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INDIANAPOLIS (AP) — A jury has found an Indiana man not guilty of murder in the presumed death of his 6-week-old son.
The jury delivered its acquittal of 25-year-old Willie Wilson on Friday evening after about five hours of deliberations.
Wilson called 911 in August 2014 and reported that strangers abducted the infant named Delano during a holdup. The baby's body was never found despite extensive searches.
Marion County prosecutors alleged Wilson killed the child and then lied to cover it up. Deputy Prosecutor Teresa Hall told jurors in her closing statement Friday that Wilson's claim of the abduction "completely unbelievable."
Wilson's attorney didn't present any evidence or witnesses. In closing arguments, Ikedigbo Nnameka told jurors there were gaps in the state's case.


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- twelveOeight (current)
- http://twelveoeightblog.comBlogger/Writer, 2011 - present
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Pear Tree Inn Springfield (Illinois): Find photos, reviews, information, amenities and compare prices for 2 stars hotels in Springfield, United States.
Pear Tree Inn Springfield provides a comfortable setting while in Springfield.
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Pear Tree Inn Springfield provides comfortable rooms, designed to suit the requirements of any traveller.
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Moroccan Swiss Chard Carrot Salad Recipe
Swiss Chard and carrots are a wonderful match, spicy and colorful! See why we eat our veggies in Morocco? That it is super healthy goes without saying. The salad will keep well a couple of days in the refrigerator.
This Swiss chard salad will be great with any dark leaves you might have on hand, Swiss chard, spinach, kale, mustard greens, etc… any nice dark leaves you might find at the market on shopping day.
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Boil the carrots in a little water until tender, then slice them ½ inch thick, or cut them into matchsticks.
Meanwhile heat the oil in a large skillet. In a food processor, mince the garlic. Add the celery and grind coarse, using the pulse button. Add to the skillet and sauté until just fragrant. Add the Swiss chard and cook about 10 minutes, until very reduced and very tender. Transfer the mixture to a bowl and add the cooked sliced carrots.
Whisk the dressing ingredients in a small bowl, and pour over the vegetables, mixing thoroughly.
Serve Moroccan Swiss Chard Carrot Salad at room temperature. Makes about 6 cups. Store refrigerated in a glass jar.


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Showing 1-24 of 50 items found in Places to Stay
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Beautiful all-suite hotel featuring spacious rooms with separate living and sleeping areas, microwaves, refrigerators and free high-speed Internet access. Enjoy our free hot breakfast, indoor pool, spa, exercise room and game room. This hotel is close to local points of interest like the Six Flags Great America, Gurnee Mills Mall, Grayslake Historical Society & Museum, Lake County Fairgrounds, Jelly Belly Center candy factory and Lake Michigan which offers a variety of outdoor recreational opportunities like hiking, biking, fishing and boating. There are a number of entertainment venues, retailers, specialty stores, restaurants, cocktail lounges and coffee shops in the surrounding area. Pets are welcome with a deposit.
Over 130 rooms which range from jacuzzi suites for couples to comfortable family-style rooms.
Extended Stay America - Gurnee
All rooms are newly renovated and non-smoking. Each room come with a fully equipt kitchen, full size refrigerator, microwave, toaster, coffee pot, dishes, utencils, iron with board, wireless internet for a fee, laundry facility, close to Gurnee Mills Mall & Six Flags Great America and walking distance to restaurants.
Fairfield Inn by Marriott - Gurnee
Enjoy the convenience of walking to Gurnee Mills and various restaurants and a quick drive to Six Flags Great America. This hotel offers comfortable guest rooms, including 16 suites, at a superior value for both business and leisure travelers. Indoor pool and Jacuzzi, free passes to Gold's Gym, free in room high speed Internet and a free deluxe continental breakfast, including fresh-coffee, freshly made waffles, cereals and fresh fruits are all included with an overnight stay. A 480 sq. ft. meeting room is also available.
Country Inn and Suites - Gurnee
You will feel the country charm throughout with a fireplace, hardwood floors, and the personal touches of home. Our staff will go out of their way to make sure your visit with us is memorable.
Stay at this Gurnee, Illinois hotel located less than one mile from Six Flags Great America. Ideally situated off Interstate 294 in Northern Illinois, the Baymont Innl & Suites offers the best in accommodations, customer service and location. This Gurnee hotel features 65 well-appointed guest rooms, each offering cable satellite television and free wireless high-speed Internet access for guests' convenience. This 100 percent non smoking hotel offers a variety of amenities including a complimentary continental breakfast, an indoor heated swimming pool, fitness center, guest laundry and more.
Enjoy one of the newly renovated comfy rooms with all new Cloud 9 beds and the little touches such as wireless Internet in all rooms, heated outdoor pool, complimentary passes to Gold's Gym with an indoor pool, fresh baked cookies and a House Hot Deluxe breakfast. Meeting facilities to accommodate groups of up to 100 are also available. This hotel is conveniently located a tenth of a mile from Six Flags Great American/Hurricane Harbor Waterpark and down the street from Gurnee Mills. Tour the Jelly Belly Center, play golf, see a sailor graduate from Navy Boot Camp or visit the Volo Auto Museum all within minutes away. So when you're ready to give yourself a break, head our way and discover the Hampton Inn hotel in Chicago/Gurnee.
This hotel is only 30 miles from O'Hare International Airport and a short drive to Naval Station Great Lakes. Get the best of your stay and visit Six Flags Great America, located only 1,000 feet across from the hotel. Each room comes with convenient amenities to help save travel time including free Wi-Fi internet access, 39-inch HDTV's, micro-fridge combo, heated indoor pool & hot tub.
Holiday Inn Gurnee Convention Center
This Gurnee's premier destination for both leisure and business serving all of Gurnee, Waukegan & Libertyville when it comes to hotel accommodations and banquet facilities. Six Flags Great America is a two minute drive and Great Lakes Naval Training Center is conveniently located 7 miles from the hotel. Travelers enjoy the convenience of O'Hare International Airport, easy accessibility to the hotel. "Kids Eat Free" is a great value when you stay and the indoor swimming facility features the area's largest pool, fitness room and a full buffet breakfast. The lounge is a favorite among guests serving an array of hospitality & relaxation.
Located within walking distance of Gurnee Mills Shopping Mall, and one mile from Six Flags . This Gurnee, IL hotel is centrally located close to area attractions like the Bittersweet Golf Club.
La Quinta Inn & Suites - Gurnee
La Quinta Inn strives to make your visit comfortable with outstanding accommodations and excellent guest service. This hotel offers a wide array of amenities, including indoor pool and whirlpool, lobby continental breakfast, and clean, comfortable rooms. Just a short mile away from Six Flags Amusement Park, walk to a variety of great restaurants, head to nearby Gurnee Mills Mall and visit Libertyville Sports Center for golf and indoor activities.
Visit Six Flags Great America, just a short walk across the street from this Gurnee hotel or do some shopping at Gurnee Mills Mall and Bass Pro Shops Outdoor World. The hotel is just a few miles from Lake Michigan. The Country themed hotel features comfortable accommodations and convenient services, including free Wi-Fi, complimentary breakfast, indoor pool, pass to nearby Gold's Gym and business services including a meeting room accommodating up to 40 people. Pets are also welcome.
KeyLime Cove Indoor Waterpark Resort
KeyLime Cove offers a year-round tropical resort experience. The massive indoor water park features a wave pool, body and tube slides, a lazy river, waterfalls and whirlpools. Besides the splashy fun, KeyLime Cove offers a variety of restaurants and entertainment options geared to both kids and parents. The family will enjoy the Riptide Reef Arcade and Dude's Black Light Tropi-Golf. Grab a little "me" time and indulge in the luxurious Paradise Mist Spa, or pamper your princess at The Enchanted Lagoon Kids Spa.
Affordable rates and clean, comfortable hotel rooms with every inch designed to be user-friendly and accommodate those features most frequently requested by travelers. The hotel is conveniently located by an array of local restaurants and attractions including the Great Lakes Naval Training Center, Six Flags Great America, Gurnee Mills and the Veterans Affairs Naval Hospital. The hotel offers free high speed Internet, a free hot waffle continental breakfast, 5,000 sq ft. of banquet facilities and a 100% Guest Satisfaction Guarantee to ensure all your needs are met.
CITY:Lake Bluff
Full Service Hotel with Dining and Banquet Facilities.
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Unique rental property, for Weddings, Corporate and Family Reunions. The house accommodates 26 people and 80 acres has 9 hole golf course, swimming pool, tennis courts and Tent for up to 200 people.
CITY:Lake Villa
Holiday Inn Express and Suites
Start your day off right with our new Express Start Breakfast featuring the world's best cinnamon roll.
Candlewood Suites - Libertyville
Big and built for comfort these comfortable studio and one bedroom suites feature a full kitchen complete with microwave, stove and full size refrigerator. Work efficiently at the oversized executive desk with two separate phone lines and complimentary high-speed Internet. Relax in the over stuffed recliner while enjoying the CD player and VCR. Borrow a favorite from the free video and CD library or work off some stress in the fitness center. Visit the convenient store, Candlewood Cupboard, where meals and snacks can be purchased. On-site laundry facilities are also available.
Close to Great Lakes, Six Flags Great America, and Gurnee Mills. We also offer a deluxe continental breakfast. www.The.DaysInn.com/Libertyville13906
Hampton Inn & Suites - Libertyville
Hampton Inn & Suites in Libertyville puts you convenient to the museums, sports arenas, shopping, theaters and attractions. Settle into one of the 96 spacious and comfortable rooms or suites with the amenities you expect, plus a few extras including an indoor pool, exercise room, 24-hour business center, high-speed internet in every room and enjoy your favorite programs on the 32 inch flat-panel TV. Each morning, we offer a complimentary On the House® hot breakfast to get your day started or take a healthy breakfast bag to go Monday-Friday.
Centrally located to Vernon Hills, Lincolnshire and Deerfield corporate centers, Great Lakes Navy Base, Six Flags Great America/Hurricane Harbor and Gurnee Mills Mall Outlet Shopping Center. This Lake Forest hotel features170 rooms, each equipped with complimentary high-speed internet access, flat screen TV, microwave, refrigerator and coffeemaker. Relax in the indoor pool, whirlpool or work out in the exercise facility. The on-site restaurant serves breakfast, lunch, dinner and evening room service. An exceptional meeting and banquet space for business and corporate meetings, intimate wedding receptions, family reunions, military reunions, or religious retreats is also available.
Residence Inn Chicago Lake Forest Mettawa
The Residence Inn by Marriott Lake Forest/Mettawa hotel is ideal for extended stay business travelers and is within easy reach of both downtown Chicago and North Shore businesses and attractions. Conveniences, too, like grocery shopping and dai
Situated on 900 acres of wooded land, the Conference Center at the University of St. Mary provides meeting space for groups from 3 to 300.
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This upscale Award-winning hotel prides itself on providing business travelers and family vacationers with the utmost in luxury accommodations perfectly blended with the 5-star styling and service of a downtown hotel. Hotel features 183 custom designed guestrooms with the distinctive design inspired by Frank Lloyd Wright. Enjoy a wealth of amenities including natural oak armoires, over-sized genuine leather Morris chairs, imported granite bath finishes, and cozy window seats. Take advantage of a superb selection of services, such as a large indoor heated pool, fitness center, meeting rooms and business center. Then discover Karma Asian Food & Fine Wine, an award winning restaurant and bar featuring an eclectic lunch and dinner menu with a Pan-Asian flavor.


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List of Mexico based yoga teachers (RYT 200, RYT 500, ERYT) registered with Yoga Alliance offering 200 & 500 hour yoga teacher training courses and retreats in San Jose Del Cabo, Quintana Roo, Coahuila, Monterrey NL, Mexico City, Oaxaca, Play Playa del Carmen, San Nicolas de los Garza, Juarez, San Pedro Garcia, Todos Santos, Puerto Vallarta, Jalisco, Quinta Casa Mano.
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Cozumel, México's first and only studio, totally dedicated to the practice and study of yoga. We're thrilled to offer Vinyasa and Hatha style classes in a clean, beautiful space on this charming Caribbean island. Join us for a lot of sweat, serenity and inspiration with this powerful, world renowned method for physical, mental and spiritual wellbeing.
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Certified Yoga Teachers In Mexico - San Jose Del Cabo, Quintana Roo, Coahuila, Monterrey NL, Mexico City, Oaxaca, Play Playa del Carmen, San Nicolas de los Garza, Juarez, San Pedro Garcia, Todos Santos, Puerto Vallarta, Jalisco, Quinta Casa Mano
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The Frozen Chosen
Reformed Christians are often accused of being cold and callous, virtual Stoics or fatalists. We've all heard the epithet "the frozen chosen" applied to Reformed believers. We usually protest that such a nickname does not truly describe us, and …Read More
Confessions of a Bibliophile
According to the Oxford English Dictionary, a bibliophile is "A lover of books; a book-fancier." Although this is a helpful definition, I'm not entirely sure I want to refer to myself as a "fancier" of anything. I'm from …Read More
Faith and Reason
It has been said that he who defines the terms, wins the debate. Skeptics know this and take advantage of it. Witness some of the famous definitions of "faith" provided by unbelievers. Mark Twain, for example, quipped, "Faith is believing …Read More
The Will to Debate
When Dutch Calvinists and Arminians squared off against one another in the early part of the seventeenth century, the Calvinists won the opening battle. The controversy, however, soon spread beyond the borders of the Netherlands. Now, four hundred years later …Read More
By What Authority?
Can this be it? Centuries earlier the prophet Zechariah had declared, "Rejoice greatly, O daughter of Zion! Shout aloud, O daughter of Jerusalem! Behold your king is coming to you; righteous and having salvation is he, humble and mounted on a …Read More
The Great Exchange
It should come as little surprise to learn that the doctrine of the substitutionary atonement of Christ has come under renewed criticism in recent decades. The Reformers dealt with such criticisms and attacks from the Socinians. Our more recent forefathers …Read More
Atheism Remix
In 2004, Alister McGrath published a book entitled The Twilight of Atheism: The Rise and Fall of Disbelief in the Modern World. Although the book did not suggest that atheism was dead, its publication may have been a bit premature …Read More
The Faithful Endurance of Suffering
Pharaoh begins having disturbing dreams, and not one of his magicians or wise men is able to interpret them. The chief cupbearer suddenly remembers the accuracy of Joseph's interpretation of his dream, and Joseph is brought before the pharaoh. Joseph …Read More
Our Covenant Lord
I remember when I first started to study covenant theology while a student at a dispensationalist seminary in Texas. One thing that always puzzled me was the lack of any introductory level book explaining the basics of covenant theology. There were …Read More
Why Is Justification So Important?
During the Protestant Reformation of the sixteenth century, there were few things more precious to believers than the recovery of the biblical doctrine of justification by faith alone in Christ alone. Centuries of semi-Pelagian (and Pelagian) growth were dragged into …Read More
Whither Warfield?
While perusing the internet recently, I happened across a discussion among some Reformed Christians about the concept of geocentrism — the belief that the earth is stationary and at the center of the universe. Some of the participants in the discussion …Read More
The New Covenant
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FirstMerit Corporation (NASDAQ:FMER)
Q2 2014 Earnings Conference Call
July 22, 2014 11:00 AM ET
Thomas O'Malley – Director-Investor Relations & Communications
Paul Greig – Chairman, President & Chief Executive Officer
William Richgels – Chief Credit Officer & Executive Vice President
Terrence Bichsel – Chief Financial Officer & Executive Vice President
Mark DuHamel – Treasurer and Director, Corporate Development
Terry McEvoy – Sterne Agee & Leach Inc.
Scott Siefers – Sandler O'Neill & Partners LP
Preeti Dixit – JPMorgan
Christopher McGratty – Keefe Bruyette & Woods Inc.
Stephen Geyen – D.A. Davidson & Co.
Good morning. My name is Jennifer, and I will be your conference operator today. At this time, I would like to welcome everyone to the Second Quarter 2014 Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question-and-answer session. (Operator Instructions)
Thank you. Mr. O'Malley, you may begin your conference.
Thomas O'Malley
Thanks, Jennifer. Good morning. Welcome, and thanks for joining us on our second quarter 2014 earnings call. On the call today, we have Paul Greig, the Chief Executive Officer of FirstMerit; Terry Bichsel, our Chief Financial Officer; Bill Richgels, our Chief Credit Officer; and Mark DuHamel, our Treasurer and Director of Corporate Development. We are going to happy to take your questions following our prepared remarks.
Please note that the press release issued this morning regarding our financial results, along with supplemental slides, are available on our website at firstmerit.com under the Investor Relations section. I would like to remind you that our comments today may contain forward-looking statements that are subject to certain risks and uncertainties that could cause the company's actual future results to materially differ from those discussed.
Please refer to the forward-looking statement disclosure contained in the earnings release materials and our SEC filings for a full discussion of the company's risk factors. Also, please note that our comments and supplemental slide deck reference non-GAAP financial measures. A reconciliation of all non-GAAP reference measures can be found in the supplemental deck.
I will now turn the call over to Paul Greig.
Paul Greig
Thank you, Tom, and good morning, everybody. In the second quarter, we continued to deliver strong performance across all business lines. Our financial results, which I will address in a few minutes demonstrate the progress we are making on our overall business strategy.
Our strategy focuses on capitalizing on multiple opportunities throughout our markets. Organic growth is the foundation of our strategy and the highest priority. To that end, we are delivering results on discrete action plans within each line of business. Our prompt and excellent service differentiates FirstMerit throughout our footprint. We focus on delivering this market leading service through local leaders with strong ties to their communities.
We empower our local bankers as true decision makers in their customer relationships. This develops customer loyalty and encourages customers to expand their business with the bank. We are confident that this local, market focused approach sets us apart and drives organic growth.
We entered the Chicago market targeting the commercial middle market segment, which is the core competency of our company. Since our 2010 entry, we have originated a loan portfolio of $1.8 billion, which represents compound annual growth of nearly 50%. As with all of our markets, the competition is robust. However, we continue to win market share with our unique value proposition.
We are profitably growing the balance sheet with an unwavering eye on credit discipline and appropriate pricing. We expanded into Michigan and Wisconsin with the Citizens acquisition to strategically enter a recovering and growing market rich in middle market lending opportunities. We've developed core deposit relationships and realized efficiencies through revenue synergies and cost savings.
In our first full year, we added $925 million of loans to our balance sheet. We have grown core deposits by $115 million and remixed a solid 78% core deposit up to 83% core deposits. We continue to focus on revenue opportunities related to mortgage banking, bank card, and our indirect businesses. Our organic growth strategy has also been effective in our legacy Ohio markets.
Since our first acquisition in Chicago in 2010, our loan portfolio in Ohio increased $1.6 billion, or over 5% annually, while we've added $2.6 billion in deposits, which is over 7% annualized growth.
The second component of our strategy is to maintain strict underwriting standards and appropriate credit risk management practices. By adhering to appropriate credit structures and pricing discipline, we intend to continue to produce industry leading asset quality, while profitably growing our balance sheet. This process is managed by seasoned bankers and credit professionals averaging over 25 years of experience.
The third part of our strategy is efficiency improvement through expense reduction and increased productivity. Evidence of our progress is displayed this quarter in our efficiency ratio of 59.5% adjusting for costs related to our branch closings.
A fourth pillar of our strategy is disciplined capital management. The objective is to support shareholder dividends and organic growth. We manage our capital levels to ensure that we have the balance sheet flexibility necessary to withstand industry and/or economic pressures. While we evaluate M&A transactions to determine whether they meet our stringent criteria, these types of opportunities are secondary to our organic growth strategy.
Finally, we're striving to become best-in-class in regulatory management. To that end, we believe investments we are making now will limit the impact on our future earnings stream of increased regulatory requirements affecting the financial sector.
Now, let's review the second quarter financial performance. We reported $59.5 million in net income for the second quarter of 2014 or $0.35 per share. Total revenue for the quarter was $272 million, up 7 million or 11% annualized compared with the prior quarter. Higher net interest income supported by strong loan growth and the rebound in fee income contributed to the revenue increase this quarter.
Second quarter 2014 results also include branch closure costs, which reduced fee income by $4 million or the equivalent of $0.01 per share. Adjusting for those costs, return on average assets is 1.03% and our return on average equity is 9% for the quarter.
Second quarter 2014 average deposits increased $1.2 billion or 6.3% to 19.5 billion over the year ago quarter. This increase was driven by core deposit growth of $1.5 billion or 10%. At the end of the second quarter 2014, core deposits represented 88% of total deposits. Our success remixing the deposit base allows us to maintain deposit costs at the low end of the industry.
For the quarter, total deposit costs were 19 basis points. Average deposits declined off the prior quarter due to the seasonal decline in public fund balances, our continued practice of deemphasizing non-relationship certificates of deposits, and our decision to reduce a wholesale deposit relationship.
Period end loans increased $361 million or an annualized 10% over the prior quarter. We generated solid net loan growth despite run off in the covered loan portfolio. Factoring out the $67 million in covered loan attrition this quarter, end of period total loans were up $428 million, or 12% annualized.
The originated loan portfolio increased $640 million or 24% annualized. Of that growth, approximately 593 million, or 22% annualized came from new production and $47 million was transferred over from the acquired portfolio. Our credit metrics remain solid with net charge-offs at 22 basis points for the quarter, down from 31 basis points last quarter.
Nonperforming assets remained at very low levels in the second quarter at 53 basis points, down from 58 basis points last quarter and 72 basis points a year ago. Noninterest income increased $5.3 million, or 8% from the first quarter and increased $3.1 million, or 4% over the prior year. As expected, this increase reflects the more historic levels of underlying customer activity following the impact of the severe weather experienced across the Midwest in the first quarter.
As I noted, other income was reduced this quarter by $4 million due to the changes – charges from the recent branch closures. Noninterest expense was $167.4 million, down $1.9 million or an annualized 4.6% off last quarter's level. While expenses were a bit higher than we wanted this quarter, we remain on pace to achieve the additional $18 million in annualized cost savings in the second half of this year.
The company is in a strong position to grow profitably and organically. We have a proven strategy and empowered employees focused on successfully executing our plan in obtaining our objectives.
I'll now turn our call over to Bill Richgels for discussion on credit. Bill?
William Richgels
Thank you, Paul, and good morning, everyone. This morning I will discuss the credit performance of each of FirstMerit's three distinctive loan portfolios, namely: organic, covered and acquired.
First the organic portfolio, credit quality continues to be strong with our provision for organic credit losses remaining at lower levels consistent with the last several quarters and where we set in the credit cycle. Total net charge-offs for the organic portfolio were $6.2 million, down from $8 million recorded in the prior quarter.
In that charge, our net loss rate for the retail organic book was 37 basis points compared to 42 basis points in prior quarter evidencing solid performance. The commercial organic book net loss rate for second quarter was 15 basis points compared to 26 basis points in the first quarter. Our commercial delinquency numbers are positive with organic delinquency improving to 23 basis points compared to 32 basis points in the prior quarter.
Retail consumer delinquency for the organic portfolio remains stable at a low level of 126 basis points, compared to a 123 basis points prior quarter. Directing your attention to the covered loan portfolio, the provision for covered loans was $3.4 million, consistent with the $3.1 million in the prior quarter and down from $4.2 million in the prior year quarter.
Looking ahead to the termination of the FDIC coverage on the commercial portfolio in the second quarter 2015 we are able to describe our remaining forecast for this much reduced loan portfolio. Out of a remaining commercial book of $304 million, roughly $171 million are performing re-underwritten, de-risked and will be held to maturity. Of the $133 million balance we will monetize roughly $93 million during the next three quarters, and we will have a residual balance of $20 million by December of 2015 at appropriate carrying values.
The indemnification asset is expected to be fully amortized by the end of the expiration of the FDIC loss, commercial coverage period in the second quarter of 2015. All-in-all this portfolio is performing within our expectation and the realized values are well beyond our original underwriting of the same.
And lastly, I will discuss the Citizens' acquired portfolio. In this acquired CRBC portfolio, acquired non-impaired net losses totaled $3.8 million compared to a $5.6 million in the prior quarter. Recoveries are up and this book should continue to improve over time. An additional provision for acquired impaired loans $2 million was recorded in second quarter for a total provision in the acquired portfolio of $5.8 million.
The annualized totaled acquired net loss rate was 45 basis points, compared to 82 basis points the prior quarter after giving effect to recoveries reflected in non-interest income. This portfolio is tracking in line with our expectations and better than originally estimated. Over the course of the last year, the acquired portfolio, criticized and classified component was significantly reduced.
In 2013, $353 million of CRBC criticized and classified loans were added to our portfolio. This acquired C&C portfolio has been reduced $201 million, or 44% reduction over that period.
With that I'll turn it over to Terry Bichsel. Terry?
Terrence Bichsel
Thanks, Bill, and good morning, everyone. I'm going to cover some additional detail on the second quarter financial statements and then update our guidance for the remainder of 2014.
Slide 4 of the earnings release supplement shows you the income statement highlights. Net interest income at a $199.7 million is up $1.8 million. The provisions for loan losses totaled $15.3 million, $700,000 higher than last quarter. Non-interest income at $72.6 million was better than the first quarter by $5.3 million and non-interest expense was $167.4 million, lower than last quarter by $1.9 million. This is places second quarter pre-tax income $6.1 million higher than the first quarter.
Slide 5, shows recorded non-interest income of $72.6 million, which represents 26.6% of revenue, up from 25.4% last quarter. All categories show to rebound from the first quarter. The expected recovery in fees this quarter is evidence that the consumer behavior is restored after being suppressed by severe weather last quarter. Service charges up $1.9 million and card fees up $1.3 million were the largest increases in customer driven transaction fees this quarter.
Other operating income includes $4.1 million of costs associated with branch closures, covered loan recoveries also within this category were up $2.4 million from last quarter.
Slide 6, shows non-interest expense declined $1.9 million from last quarter. The first quarter did include $1 million in one-time merger related expenses and the second quarter net occupancy costs improved by $2.7 million due to the elevated weather-related costs that impacted the prior quarter. Loan related transactional costs were up $1 million from the prior quarter. While expenses were higher than we wanted in the quarter and adjusted efficiency ratio excluding branch closure costs at 59.5% is indicative of managing costs in the right direction.
Slide 7 through 9 provide detail on the drivers of our net interest margin. Please note that slide 8 has been added this quarter as additional disclosure to show the impact of the credit mark accretion on the net interest margin. The net interest margin was down 9 basis points from last quarter to 3.75%. The yield on originated and acquired loans was stable from last quarter, each down 1 basis point.
The yield on covered loan – on the covered loan portfolio improved 88 basis points reflecting improvement in the re-estimated portfolio of cash flows. Originated loans, average balances were up $644 million while covered and acquired loans were down $354 million. While the effect of this mix shift affects the net interest margin ratio, loan growth stabilized and provided net interest income growth.
We expanded the size of the investment portfolio by a $170 million on average in the second quarter. We purchased $200 million of mortgage backed securities and supported the duration with Federal Home Loan advances and brokered CDs. This action was taken to offset the effect of the mandatory redemption of a portion of the Federal Home Loan Bank stock that we own.
Taking you out of sequence in the earnings release supplement, slides 19 through 22 provide additional detail on the acquired and covered portfolios that are a significant component of our balance sheet.
Acquired loan income was $61.5 million in the second quarter compared to $66.5 million in the first quarter. Within this income the accretion of the credit mark on acquired non-impaired loans was $14.4 million compared to $17 million last quarter. And the accelerated component within those amounts due to pay-offs and additional payments at $5.4 million compared to $6.4 million last quarter.
Without the accelerated component the net-interest margin was 3.65% and 3.71% last quarter. The remaining loan mark on the non-impaired loans is $122 million.
Slide 21, shows the detail on the accretable yield on the impaired acquired loans. The re-estimation of impaired loans this quarter resulted in the reclassification of $10.5 million of expected additional cash flow to accretable from non-accretable following $19.5 million of reclass last quarter. At quarter end $137 million of accretable yield remains to be recognized as interest income over the remaining life of the loans.
The earnings benefit from improving cash flow estimates over the past three quarters totaled $76.4 million which will be recognized as future interest income. This offsets $5 million in cumulative credit impairment provisions recognized to-date by a ratio of 15:1.
Slide 22 details the cash flow re-estimation of the covered portfolio which resulted in $5.5 million of additional cash flow being re-classed to accretable from non-accretable compared with $6 million last quarter.
The provisions for originated, acquired and covered loans totaled $15.3 million. The provision for originated loans at $6 million compares to net charge-offs at $6.2 million this quarter reflecting stable and strong asset quality.
The provision for acquired loans at $5.8 million is comprised of $3.8 million provision for acquired non-impaired loans. This provision should also be viewed within the context of the $14.4 million accretion of the credit marks discussed earlier. In other words, we are offsetting part of the credit mark accretion with $3.8 million provision recorded this quarter.
The other component of the acquired provision is for credit impaired loans totaling $2 million. This represents reductions in cash flows that are recognized immediately as a provision and an addition to the reserve.
The re-estimate for credit impaired covered loans resulted in a provision of $3.5 million, in this quarter improved cash flows on loans where we had previously had cash flow reductions and established an allowance resulted in the reversal of the indemnification asset recorded in prior periods for these loans.
Turning now to our guidance for the remainder of 2014, based on our robust pipeline and history of success in the new and legacy markets we expect to continue to experience strong loan growth over the second-half of 2014. We're projecting net loan growth of between 1.5% and 2% for each of the next two quarters or total 2014 net loan growth of 7.5% to 9%.
In a low interest rate environment for the remainder of 2014 we expect the net-interest margin to decline in both quarters in a range of between 10 basis points and 12 basis points. We expect two reinvest $507 million of maturing investment portfolio of cash flows over the rest of 2014 at a similar rate to that which is maturing. Our investment portfolio duration is 3.8 years supporting our overall goal of asset sensitivity.
We are maintaining an asset sensitive balance sheet that will respond to a 100 basis point and 200 basis point yield curve increase with a projected increase in net interest income of 1.85% and 3.63% respectively. There is no change to our core deposit strategy. Certificates of deposits that mature over the remainder of the year totaled $1 billion at a cost of 75 basis points with 70% expected to renew in place at approximately 20 basis points.
The aggregate provision for organic, acquired and covered loans is expected to be in a range of $12 million to $50 million over the next two quarters. Organic loan net charge-offs are expected between 20 basis points and 25 basis points.
With the expected restoration of fee income this past quarter the expected range is between $70 million and $73 million per quarter over the remainder of the year.
Execution on the announced cost savings will reduce the non-interest expense run-rate to a range of $160 million to a $163 million per quarter. We're continuing to work on improving productivity with a financial goal to preserve and grow pre-provision net-revenue. The tax rate should approximate 31% over the remainder of the year.
That concludes my remarks. I will now return the call to Tom O'Malley.
Thomas O'Malley
Thank, Terry. Jennifer, we're now ready to take questions from the participants.
Question-and-Answer Session
(Operator Instructions). Your first question comes from Terry McEvoy with Sterne Agee.
Terry McEvoy – Sterne Agee & Leach Inc.
Hi, thank you.
Paul Greig
Hi, Terry.
William Richgels
Hi, Terry.
Terry McEvoy – Sterne Agee & Leach Inc.
Hi. I'm just – I just wanted to clear [ph]. Over the last three quarters you've taken a $5 million provision for the impaired acquired loans, but re-classified about $75 million from non-accretable to accretable. I just want to make sure I have that math correct and assuming all that over time will flow into net interest income?
Terrence Bichsel
Terry, it's Terry Bichsel. Yes, that's exactly the point we're trying to convey, that we keep re-estimating and getting improvements to our cash flows on the credit impaired acquired loans and as a result that cash flow gets pushed into the future as interest income and any declinations on loans that are re-estimated, get taken as immediate provisions and an addition to an allowance. So that recognition is a 15:1, the 15 being pushed out into the future and the one being taken currently.
Terry McEvoy – Sterne Agee & Leach Inc.
Thank you, and then while we're sticking with the reserve you talked about the covered commercial loan portfolio and $171 million that's performing and held to maturity. As you look out over the next year, will there be a need to provision a reserve for that portfolio of loans? I just want to make sure I understand that statement correctly.
Terrence Bichsel
Those loans once classified as impaired at the original inception date we refer to those as SOPO3 loans and once in an SOPO3 category they stay there and the re-estimations of the cash flows will be treated exactly the same as we do today, except that the indemnification asset that's associated will be fully amortized off the books post the expiration date of that policy.
Terry McEvoy – Sterne Agee & Leach Inc.
And just one last…
Terrence Bichsel
So therefore there is no additional reserve.
Terry McEvoy – Sterne Agee & Leach Inc.
Yes, sorry about that, and then just one last question for you, Terry. The loan loss provision guidance of 12 to 15, how much of that do you see being impaired acquired loans or is that the kind of the X-factor and why you have that range in your guidance.
Terrence Bichsel
That if I didn't make that clear in the stated remarks, I should have. That guidance on the net charge-off ratio would refer to the organic loan portfolio only. And then the guidance for the provisions in the aggregate are the notional dollars that were given.
Terry McEvoy – Sterne Agee & Leach Inc.
Perfect. Thank you.
Our next question comes from Scott Siefers with Sandler O'Neill & Partners.
Paul Greig
Hi, Scott.
Scott Siefers – Sandler O'Neill & Partners LP
Hi, guys. Good morning. Hey, Terry, I just wanted to, I guess, also a follow up on one or two of Terry's – Terry McEvoy's questions on the provision. Do you have a sense for when the kind of the noise in the provision will begin to abate because on the one hand, if you look at just sort of the charge-off numbers and they're still very, very low and just on a, call it organic basis, your credit costs will be running much lower than the aggregate provision.
So at what point will that, I guess the combination of the provision for acquired loans and provision for covered loans, will that really start to taper-off? In your view, if you can sort of look ahead a little?
Terrence Bichsel
If we take the three components in sequence, the organic component as you noted are credit metrics support ongoing good performance in charge-offs and provisions with the loan growth that we're experiencing. We would expect that we would be adding provisioning for loan growth, accepting for future improvements in criticized and classified although those levels continued to move to historically low levels as a percentage of a portfolio.
In the acquired portfolio, as that portfolio is maturing down, let's just say, for example, there is a fairly significant piece of that that is consumer and within consumer there is the boat RV portfolio, so that's cash flowing and amortizing off the books. And then we're rewriting new loans in the organic portfolio for that.
So the new loans are being provided for within the new loan growth and the organic or the acquired portfolio's amortizing down. And as it does, the charge-offs associated with that should move down as well. The point that Bill was trying to make earlier or did make earlier, there is a piece of pre-April 12 recoveries that are in our noninterest income that are approximately $2 million a quarter, that you should look to net against the charge-offs that we're taking and the provisions we're taking on the acquired portfolio each quarter to look at it net, but that acquired component charge-off should continue to move down.
And as noted earlier, the provisions on the credit impaired component, the bads get recognized immediately, but we've had substantial goods, where we have that 15:1 ratio that I described in Terry McEvoy's question. And then lastly, on the covered portfolio, we have got approximately $45 million of a reserve sitting there and on those loans. And as they move down, we would be expecting to use that provision and net charge-offs or provisions against the income statement for that portfolio should move down as well.
So all in all, for the acquired and the covered, we would expect those to migrate down. The organic is going to be, we're at absolute lows of charge-off levels plus we have loan growth there.
Scott Siefers – Sandler O'Neill & Partners LP
Yes, okay. That's very good color, and I appreciate it. And is your sense that they will get to a point where in the aggregates, I guess it's kind of embedded in your $12 million to $15 million range for the provision. But do you think there is a point where even in spite of having to provide for new loan growth, we could still see credit costs come down, maybe even below that $12 million level just as the provisions for the acquired and covered pieces abate. In other words, if there is a race where you provide for new loan growth being originated versus the tail off of these other two pieces, is that something you see as possible or how would you think about that dynamic?
Terrence Bichsel
Over the longer haul I think that that maybe possible as those other two tails roll out. But I would stick with our guidance as we've stated it today that in the aggregate, the $12 million to $15 million covers those three components, the organic, the acquired, and the covered And that the basis point guidance that we gave for charge-offs refers to the organic component, which as you can see is at pretty absolute low levels of charge-offs levels for this stage of the recovery.
Scott Siefers – Sandler O'Neill & Partners LP
Okay, perfect. And then just one I want to make sure I understood your margin guidance correctly. The down 10 to 12 basis points that, that's for the full second half, right, not 10 to 12 basis points per quarter in the next two quarters?
Terrence Bichsel
Well, as we had a 9 basis point reduction from first quarter to second, what we're saying is, it could be in that range in each of the next two quarters.
Scott Siefers – Sandler O'Neill & Partners LP
Okay. So in the aggregate potentially, I guess $20 million to $24 million….
Terrence Bichsel
Scott Siefers – Sandler O'Neill & Partners LP
For the second half. Okay, all right, perfect.
Terrence Bichsel
Scott Siefers – Sandler O'Neill & Partners LP
I appreciate all the color Terry. Thanks.
Terrence Bichsel
You're welcome.
(Operator Instructions) Your next question comes from Steven Alexopoulos with JPMorgan.
Paul Greig
Good morning, Steve.
Preeti Dixit – JPMorgan
Hi, good morning, everyone. This is actually Preeti Dixit on for Steve. A quick question on the expense guidance of $160 million to $163 million per quarter, I'm guessing that's with the $18 million of cost [ph] is fully saved in. Maybe it would be helpful, Terry, if you could talk about what expense base we should consider heading into 3Q given that quarter was a bit higher than you expected and then just updated timing on the expense savings being phased in?
Terrence Bichsel
There was – there were a number of small expense categories throughout the income statement, the expense piece of the income statement that no one really stood out to be able to deduct out and give you a firm absolute run rate as we launch out of second quarter. What I would say is that, as Paul indicated in his comments with the consolidation of the branches that occurred this quarter, that begins to immediately be recognized into the run rate in the third quarter that gets us into that range.
And then further as we move on into the fourth quarter, the other components begin to fully manifest themselves, that being a continuation of our enterprise sourcing or our vendor contracting initiative and we have some straight through processing actions that we're taking that will enhance our credit adjudication process and that should be fully operational as we get into the fourth quarter.
So I'm sorry I can't give you any better precision on the absolute launch point, but those actions will get us into that range.
Preeti Dixit – JPMorgan
Okay. That's helpful. Is there anything incremental beyond the $18 million that gets you to the lower end that seems to apply a little bit more in terms of the expense cuts? Maybe just how to think of the range of $160 million to $163 million?
Terrence Bichsel
I'm really trying to give ourselves a little bit of a room for variability in those cost savings coming on and increases in other components of our income statement, which we're covering, which would be merit increases and volume related increases associated with the growth in the balance sheet. And then some marketing expenses that we'd also be offsetting. And so those can be a little bit periodic and thus that's the relative range that we're giving.
Preeti Dixit – JPMorgan
Okay. That's helpful. And then just a question on the originated loan yield is down a basis point in the quarter. Were there any prepay fees or unusual items impacting that yield, and maybe you could talk about where new loans are coming on are compared to the portfolio yield of 367 [ph]?
Terrence Bichsel
We would always have income within our total interest income component that would be representative of fees, and that does move a bit from time to time.
Preeti Dixit – JPMorgan
Maybe some color on where new loan yields are coming in at?
Terrence Bichsel
Yes. On our originated loans on the commercial side, we would be approximately 3.05% and on the consumer side about 3.8%.
Preeti Dixit – JPMorgan
Okay. That's helpful. Thank you so much.
Terrence Bichsel
Thank you.
Your last question comes from Chris McGratty with KBW.
Christopher McGratty – Keefe Bruyette & Woods Inc.
Hi, guys.
Paul Greig
Good morning, Chris.
Christopher McGratty – Keefe Bruyette & Woods Inc.
Hey, Paul and Terry, just on the margin guidance, it seems a little bit more cautious than maybe three months ago. Maybe I want a little bit more clarity. But in terms of the 10 basis points to 12 basis points a quarter, can you provide some color on whether that's – maybe I missed it. Is that's more on the acquired book or are you pushing it to get the growth or is it more pressure on legacy or the current book?
Terrence Bichsel
There are a couple of components to consider. as the acquired book, the non-impaired component, amortizes down the accretion will naturally step down so as you see in the supplementary slides on the non-credit impaired acquired loans there is a full year's worth of accretion quarter-by-quarter. And you can see how that steps down and then as we move toward the expiration date of the FDIC, insurance component, any improvements in portfolio cash flows associated with those loans where we had previously established indemnification asset, we begin to amortize that indem-asset a little faster.
Now the offset to that is, the loans that Bill indicated will survive through the indemnification – or the FDIC insurance expiration. Those loans will continue on into our run rate into the foreseeable future, but we've got to amortize the indem-asset off. And so there can be a little step up in the indemnification asset amortization.
And then as pointed out in the prepared remarks, as we are remixing from the acquired and covered and adding back the organic portfolio, the differences you can see on the slide, differences in the portfolio yields from one to the other, the growth is making up for that. And then in terms of maintenance of the size of the investment portfolio in the CD run-down, there is not a lot of remaining opportunity in the CD remix that we have, but we still have some.
So that's where we're saying the ratio is going to move down, but the loan growth we'll be working to offset that in the coming quarters.
Christopher McGratty – Keefe Bruyette & Woods Inc.
Okay, that's helpful. Just a follow-up, I think, next year that – you did guidance for the back-half of this year, but next year it's kind of a year strictly with Citizens and we'll be seeing a lot of your peers that have done larger transactions. That's kind of when the – that's when the margin is really at risk. I was wondering if you could provide any clarity on kind of when you expect kind of an absolute margin given your comments at the bottom, given the run-down of entire higher yielding assets.
Terrence Bichsel
What we see is the accretion on the non-credit impaired portfolio continues to run down as I previously described. But we think we are out about a year to that stabilization point.
Christopher McGratty – Keefe Bruyette & Woods Inc.
Okay. So, basically a year from stabilizing margins, great. The last question is on, you used to provide the duration of the portfolio: the covered, acquired, impaired and non-impaired; do you happen to have what your assumed duration of those portfolios are?
Terrence Bichsel
I believe we gave guidance on that a couple of quarters ago and we'll have to refresh that, so I don't have it to give you on this call.
Christopher McGratty – Keefe Bruyette & Woods Inc.
Thanks a lot.
Your next question comes from Scott Siefers with Sandler O'Neill & Partners.
William Richgels
Hi, Scott.
Scott Siefers – Sandler O'Neill & Partners LP
I have a couple of follow-ups. Paul, so even after kind of netting away some of the movement within the loan portfolio, the organic growth still looks very strong, I was just hoping you could chat for a second or so on your thoughts about just the sustainability of the kind of organic trends that you guys have been putting up?
Paul Greig
Yes, the organic growth remains very strong. The health of our underlying markets is good and the bankers that we've hired are delivering solid results across all of the footprint. An example would be our commercial pipeline, which was $2.8 billion at the end of last quarter, has grown to $3.4 billion this quarter. So we are very pleased with the progress that we've made in the markets and all of our markets. And we are looking for a very strong growth in the second-half of the year, primarily focused on C&I lending, however, we have made some good progress in selective CRE lending as well as healthcare, nursing home, assisted living project.
So with that good growth across all of our commercial products and we are starting to see some nice traction as well in our indirect synergies that we've talked about, whereby we are offering marine, RV, indirect in our legacy footprints and we are introducing automotive, used auto, indirect in Michigan and Wisconsin. So both the consumers as well as the commercial side are seeing some nice traction and making good progress.
Scott Siefers – Sandler O'Neill & Partners LP
Okay, that's good color, and I appreciate it. And then Terry just, sorry to hammer on the provision, but just the provision for originated loans just any increases you've had there, those are all just new loans or credit costs for new loans being originated, right. There is no earlier vintage stuff that maybe you're kind of watching, it's all just new stuff and new growth that you are providing for, is that an accurate characterization?
Terrence Bichsel
Yes, I'm going to give you an answer and try to clarify as I go. When we describe organic loans what we are saying is that's the history of what we had on our balance sheet prior to the Citizens acquisition. That would not be Chicago, would not be covered, but it would be all new loan growth that we had since the Chicago acquisitions and our legacy market. So that's organic excludes covered and acquired, and it's the old FirstMerit footprint and then growth in all of the footprint since each of the acquisition dates.
Scott Siefers – Sandler O'Neill & Partners LP
Terrence Bichsel
What we would have is then the criticized and classified, the delinquency levels, that will be spawning charge-offs out of that book. And as we grow it on the margin, we would be providing additional provisions for growth for that. Up until now, because we've had significant reductions in our criticized and classifieds, reserves associated with that in fact has been paying for loan growth.
Once you get to a certain absolute level that doesn't allow anymore freeing up, unless you have to begin to provide for that loan growth, but you are providing at a risk rating that is at a good quality level. So it's not an exorbitant reserve level associated with those loans. It's less than the average in the portfolio allowance as it exists.
Scott Siefers – Sandler O'Neill & Partners LP
Okay, that's perfect. I appreciate it.
Paul Greig
Thanks, Scott.
Your last question comes from Stephen Geyen with D.A. Davidson.
Stephen Geyen – D.A. Davidson & Co.
Hey, good morning. Most of my questions have been answered. Just one question on the funding, with the pretty decent loan growth that you guys are generating organically, just curious how your thoughts, I guess, really your thoughts on the funding for that and what that might come in as far as cost?
Mark DuHamel
So, it's – good morning. It's Mark DuHamel. Balance sheet remains extraordinarily liquid. We have asset base liquidity or assets that we can pledge to the Federal Home Loan Bank or do repo with the Street of $5.6 billion. We're in a slight borrowing position this morning borrowing about $100 million. What we've seen is our deposit growth has been strong and we're confident that we can fund the loan growth.
Terrence Bichsel
Let me add, not to your question, but before you move to the next question. We had an earlier question on the duration of the acquired components and I believe that's 0.9 years is the average duration, Mark.
Mark DuHamel
That's right. And, Chris, we can get you the break-out by the three distinct portfolios, but in aggregate it's 0.9 years. Steven, did you have any other questions?
Stephen Geyen – D.A. Davidson & Co.
No, that's it. Thank you.
Mark DuHamel
Thank you. I think that was our last question, so on behalf of the FirstMerit team here, we would like to thank you for your participation and interest. And we look forward to talking with you later this year. Thanks and have a great afternoon.
This does conclude today's conference. You may now disconnect.
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At the Charlotte Wood Assembly, Pritchard used humorous anecdotes to show the gathered students that turning off their computers and iPods and getting outside and exercising is a great choice. His straightforward means of address kept many of the students riveted. Some whose concentration started to wander found themselves the center of attention when Pritchard shouted at them: "Focus!"
Bullying and teasing were two topics that received a great deal of attention. Pritchard talked about how social pressures cause relationships to change.
"Do you remember when you were all in second and third grade together? And you were all friends and it didn't matter what you looked like?" he said. "But now in order to be popular you dump all those kids who were your best friends. Your best friends? For what?"
Pritchard exhorted the students to do more than thinking at school.
"When you're at school you're supposed to use your brains, right? Well, I want you all to use your heart," he said. "Think about how your actions make other people feel. How are you affecting the people around you?"
In both performances he ended with having students come to the microphone and talk about their feelings and how they have been made to feel. One student got up in front of his peers to apologize to those gathered for being a bully. Another talked of how it hurt when people teased him about his height and his teeth.
One boy summed up the entire experience when expressing his feelings about being called gay. When asked by Pritchard what he hoped people would take away from the assembly, he said, "Hope. I want every here to feel hope and belonging. That feeling of acceptance."
Pritchard built on those words, urging students to reach out to one another.
"If you see someone who's obviously having a rough time, ask them if you can help," he said. "Don't just walk away."
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5 July 2011 3 comments
Rivendell Bicycle Works.Friends Monthly highlights
Where lugs are born. The spring 2011 Rivendell Reader is just off the press, so today seems as good a day as any to celebrate an American cornerstone of the independent lugged steel frame game. A cornerstone which also happens to do a rather decent sideline in prose. Rivendell Bicycle Works has been hand building lugged steel frames since the early Nineties. Their Reader has appeared since around the same time, with the first issue printed in 1994. After initial plans to make it a Quarterly, Rivendell's owner Grant Petersen settled into a rhythm which has lately seen him publishing it once or twice a year. Just about every sentence that appears between the covers of a Rivendell Reader carries the subliminal heft of a thing written in the full and comforting awareness of its Absolute Truth. This is no small feat, given the ubiquitously un-preachy and non-prescriptive tone. The pieces contained in any Reader this reader has leafed through jump off the page (or screen) with their honest and engaging, experienced yet unwearied voice. It's easy to forget they're a bike shop and not your favourite uncle. But when you do remember, you have the feeling that here are people you'll be happy to leave a little money with. Or you can leave some money with one of their nominated charities. Donate $400 and you get $300 credit at their online shop. Yep. Rivendell Betty from Let's Go Ride a Bike As to their online shop, they do Unpushily, Quietly, Sometimes Humorously Convincing. Their product line has room for some non-bike stuff (Erasers? Tagua Nuts? Edward Lear's Book Of Nonsense?), so you get the feeling that they're not putting up any old tat that they managed to source on the cheap somewhere, rather that they've tried similar and found theirs best. Either that or they're just having a bit of fun. Their puncture glue at any rate, you feel, must somehow cause a much cleaner, a much more satisfying, more true adherence of patch to tube than that which might occur using any other puncture glue. Likewise, many casual cyclists might previously never have considered the possible benefits attaching to the use of summer gloves. Or woollen underwear in hot weather. Let them talk you around. And when you're done using up your charity-induced store credit, you can spend some time meditating upon the wonder of "Beausage", or figuring out how to finish your bar ends with twine.
Say what you want about Grant Petersen and his folks out there in NorCal but they are a class act, the lot of them. When I once e-mailed asking which p-clamp size I would need for an application I had they sent a selection of them without asking for payment. For this reason alone I utilize them for anything I cannot get my local bike shop.
My next frame or complete bike will come from them.
My next frame or complete bike will come from them.
23 May 2016 at 16:07
[...] The Brooks England Blog » Rivendell Bicycle Works [...]
23 May 2016 at 16:07
And of course Rivendell has been praising and selling the B17 ever since 1994. They were responsible for me first buying one for my old Robin Hood 3 speed. It took awhile but I eventually came to the realization that it was the most comfortable saddle I had ever used. Eventually all 9 bikes in the garage ended up in Brooks saddles. Two classy companies.
23 May 2016 at 16:07


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Plymouth State University Weather Center's Archived Meteorological Data [PSCNH_ARCHIVED_DATA]
This server allows users to generate a variety of weather maps and other products for real-time and archived data based on their own selections of various options, such as, region, parameter, time ...
A Computer-Based Atlas of Global Instrumental Climate Data, CDIAC/DB-1003 [CLIMATE_IMAGE_ATLAS]
Color-shaded and contoured images of global gridded instrumental data have been produced as a computer-based atlas and is available via ftp and as a CD-ROM. The data consists of images ...
AmeriFlux CO2, Water Vapor, and Energy Exchange from Native Tallgrass Prairie Site Near Shidler, Oklahoma, 1996-1997 [AMERIFLUX_SHIDLER-CDIAC]
The tallgrass site near Shidler, Oklahoma is part of the AmeriFlux network of field research projects measuring the exchange of carbon dioxide (CO2) between terrestrial ecosystems and the atmosphere. ...
AmeriFlux CO2, Water Vapor, and Energy Exchange from a Wheat Site Near Ponca, Oklahoma 1996-1997 [AMERIFLUX_PONCA_CDIAC]
The wheat site near Ponca, Oklahoma is part of the AmeriFlux network of field research projects measuring the exchange of carbon dioxide (CO2) between terrestrial ecosystems and the atmosphere. ...
Atlas of Surface Marine Data 1994 on CD-ROM [NOAA_ATLAS_SURFACE_MARINE_DATA]
This set of 9 CD-ROMs contains raw and objectively analyzed fields of surface marine anomalies of fluxes of heat, momentum, and fresh water along with other parameters of interest. Revised ...
Atlas of the Oceans: Wind and Wave Climate, CD-ROM [ELSEVIER_ATLAS]
The Atlas of the Oceans: Wind and Wave Climate is the first CD-ROM in this field to offer integrated dynamic access to spatially-consistent data, abstracts, video, graphics and full electronic ...
CalCOFI Hydrographic Data from Western US and Mexican Coast, Including parts of the Baja Gulf; 1949 to the Present [SIO_MLRG_CALCOFI]
This dataset consists of over 26,600 hydrographic, low resolution STD/CTD and productivity stations from the Western US and Mexican coasts, including some stations in the Baja Gulf. Data ...
European Centre for Medium-Range Weather Forecasts (ECMWF) Re-Analysis data archived at the British Atmospheric Data Center [BADC_ECMWF_REANALYSIS]
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GCOS Surface Network Monitoring Centre (GSNMC) Monitoring Products [GSNMC_monitoring]
High quality and reliable climatological data are needed for many scientific and commercial purposes. Therefore, these data are globally collected and disseminated on the Global Telecommunication ...
GEWEX Asian Moonsoon Experiment/Asian Automated Weather Station Network (GAME/AAN) [GAME_AAN]
Because the two major aims require different and somewhat contradictory requirements for the specification and configuration of a surface station, it has been decided to organize Automated ...
Global Learning and Observations to Benefit the Environment (GLOBE) Data Available on the WWW [GLOBE_DATA]
GLOBE is a worldwide network of students, teachers and scientists working together to study and understand the global environment. ...
Lamont-Doherty Earth Observatory (LDEO) Climate Data Library [LDEO]
The Lamont-Doherty Earth Observatory (LDEO) Climate Data Library contains a wide variety of primarily oceanographic and atmospheric data sets. All of the data is available online and most ...
NCEP Reanalysis Surface Flux [noaa_cdc029]
The NCEP/NCAR Reanalysis project is using a state-of-the-art analysis/forecast system to perform data assimilation using past data from 1948 to the present. A large subset ...
North Atlantic Ocean Weather Ship (OWS) Surface Meteorological Data (1945-1983) [BODC_NAtl_OWS_SurfaceMet]
This data set comprises a variety of meteorological parameters measured every three hours (some more recent data are at hourly intervals) at the ten North Atlantic Ocean Weather Ships ...
Oceanographic and Meteorological Data from the TAO Array of Moored Ocean Buoys (1980-present) [NOAA_PMEL_TAO_DIF]
The Tropical Atmosphere Ocean (TAO) array of moored buoys spans the tropical Pacific from 137E to 95W and from 8S to 8N. Moorings within the array measure surface meteorological and upper-ocean ...
Past and Present Weather Data and Analysis Software from Unidata via WWW [UNIDATA]
http://unidata.ucar.edu/ Participation in the Unidata community allows users (primarily educators and researchers), to access data and visualization software to explore earth-system ...
Surface and Upper-Air Weather Data and Forecasts, Satellite Imagery, and Model Output from Lyndon State College via WWW [LSC_LYNDONSTATECOLLEGE]
The Lyndon State College (LSC) Department of Meteorology server address on the WWW is 'http://apollo.lsc.vsc.edu/'. The LSC server features Weather Maps and Information ...
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The SDIY data set is archived at the World Data Center-B Research Institute of Hydrometeorological Information (RIHMI), Kaluga, Russia. The parameters include minimum air temperature, ...
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[Source: Baseline Surface Radiation Network (BSRN) home page, http://www.bsrn.awi.de/ ] BSRN is a project of the Radiation Panel from the Global Energy and Water Cycle Experiment GEWEX under the ...
Walker Branch Watershed, AmeriFlux CO2, Water Vapor, and Energy Exchange Oak Ridge National Laboratory, TN 1995-1998 [AMERIFLUX_WBW_CDIAC]
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In other words, to pay the loan all heirs have accepted the inheritance, to avoid this will not succeed. According to financial analysts one of the most popular tricks of financial institutions advertising their own loan products are so-called interest-free loans that are issued to potential borrowers in times of celebrations such as new year or Christmas to buy expensive gifts to their relatives or loved ones. In other words, people with low incomes, why not try to live logically, and only based on their own emotions. The Bank, in which you arrange a loan initially, you will not be able to prevent it, so as to extinguish the credit ahead of schedule is not prohibited. Financial institutions, in turn, try not to spoil its clients with mood like little things and hold back fees. As a result, the client might get the feeling that he cheated, but it will not be so. However, all the above factors are not so easy, so many mortgage borrowers also fall into the group of those who struck creditomania.
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