The document provides information about First Financial Bank's executive management team, board of directors, and financial performance in 2018 and the first quarter of 2019. It summarizes that First Financial had strong earnings growth, outperforming its peers in key metrics like return on assets and equity. Total assets, loans, and deposits all increased significantly from 2013 to 2018.
This document provides information from First Financial's 2018 Annual Shareholders' Meeting, including:
- Biographies and experience of executive management and regional CEOs/presidents.
- Details on the board of directors, including their experience and committee appointments.
- An overview of First Financial's financial performance in 2017, including earnings growth, return on equity, asset growth, and loan/deposit growth.
- Highlights of First Financial's financial results for the first quarter of 2018, continuing trends of earnings growth, return on assets, and balance sheet growth.
- An acquisition of Commercial State Bank of Kingwood that closed in January 2018, adding over $300 million in assets.
The document provides information from First Financial Bankshares' 2016 Annual Shareholder Meeting. It includes lists of executive management and their years of experience. It also provides information on the board of directors, independent auditors, financial performance in 2015 and the first quarter of 2016, and an acquisition of First Bank, N.A. in Conroe, Texas.
The document provides information from First Financial Bankshares' 2020 annual shareholders' meeting. It includes details on the executive management team, board of directors, financial performance from 2019, and First Financial Trust's growth. Some key points:
- First Financial Bankshares reported $164.8 million in earnings for 2019, its 33rd consecutive year of increased earnings.
- Total assets grew to $8.26 billion in 2019, loans increased to $4.22 billion, and deposits grew to $6.6 billion.
- First Financial Trust's assets under management increased to $4.86 billion in 2019, with revenue reaching $28.4 million.
- The meeting recognized retiring and new board members
This document provides an overview of First Financial Bank's annual shareholder meeting in 2015. It includes information on senior management, regional CEOs and presidents, board of directors, auditors, and financial performance highlights for 2014 and the first quarter of 2015. Key details include 28 consecutive years of increased earnings, continued growth in assets, loans, and deposits, and sound capital ratios and credit quality. The acquisition of First Bank of Conroe and 4Trust Mortgage are also announced.
This document summarizes the 2014 annual shareholder meeting of First Financial. It includes lists of senior management and their years of experience, as well as lists of board members and their committee appointments. It also provides an overview of First Financial's financial performance in 2013, including increased earnings, strong returns, growth in assets and loans, and capital ratios above regulatory minimums. The document concludes with a forward-looking statement and summaries of First Financial's performance in the first quarter of 2014.
- Morgan Stanley Dean Witter reported net income of $1.075 billion for Q1 2001, down 30% from $1.544 billion in Q1 2000. Diluted earnings per share were $0.94, down 30% from $1.34 in Q1 2000.
- Revenues decreased 14% to $6.385 billion due to difficult markets negatively impacting several businesses, though fixed income and equity trading performed well.
- Return on equity was 23% and the company remains focused on reducing expenses while maintaining client services in challenging market conditions.
This document summarizes Pine Bank's 3Q17 earnings release conference call. It discusses the bank's turnaround efforts focusing on professional management, excess capital, and excess liquidity. Key measures taken include increasing loan loss provisions, breaking down credit portfolios, and increasing portfolio coverage ratios to reduce provision volatility and allow for recurring net income growth. The document provides financial results, highlights from various business lines, and guidance for 2018 with a focus on loan portfolio growth and return on equity.
This document provides an overview of Pine Bank for institutional investors. It includes sections on the bank's profile and history, business strategy, corporate governance, and economic overview. Some key details include:
- Pine Bank has focused on long-term client relationships and specialized services. It has a loan portfolio of R$6.3 billion and shareholders' equity of R$915 million.
- The bank's business lines include corporate credit, financial and capital markets instruments, and asset management.
- It has a majority controlling shareholder and international investors like DEG and Proparco make up over 15% of shares.
- The presentation reviews Brazil's economic indicators and credit market trends to contextualize Pine Bank's operating
This document provides information from First Financial's 2018 Annual Shareholders' Meeting, including:
- Biographies and experience of executive management and regional CEOs/presidents.
- Details on the board of directors, including their experience and committee appointments.
- An overview of First Financial's financial performance in 2017, including earnings growth, return on equity, asset growth, and loan/deposit growth.
- Highlights of First Financial's financial results for the first quarter of 2018, continuing trends of earnings growth, return on assets, and balance sheet growth.
- An acquisition of Commercial State Bank of Kingwood that closed in January 2018, adding over $300 million in assets.
The document provides information from First Financial Bankshares' 2016 Annual Shareholder Meeting. It includes lists of executive management and their years of experience. It also provides information on the board of directors, independent auditors, financial performance in 2015 and the first quarter of 2016, and an acquisition of First Bank, N.A. in Conroe, Texas.
The document provides information from First Financial Bankshares' 2020 annual shareholders' meeting. It includes details on the executive management team, board of directors, financial performance from 2019, and First Financial Trust's growth. Some key points:
- First Financial Bankshares reported $164.8 million in earnings for 2019, its 33rd consecutive year of increased earnings.
- Total assets grew to $8.26 billion in 2019, loans increased to $4.22 billion, and deposits grew to $6.6 billion.
- First Financial Trust's assets under management increased to $4.86 billion in 2019, with revenue reaching $28.4 million.
- The meeting recognized retiring and new board members
This document provides an overview of First Financial Bank's annual shareholder meeting in 2015. It includes information on senior management, regional CEOs and presidents, board of directors, auditors, and financial performance highlights for 2014 and the first quarter of 2015. Key details include 28 consecutive years of increased earnings, continued growth in assets, loans, and deposits, and sound capital ratios and credit quality. The acquisition of First Bank of Conroe and 4Trust Mortgage are also announced.
This document summarizes the 2014 annual shareholder meeting of First Financial. It includes lists of senior management and their years of experience, as well as lists of board members and their committee appointments. It also provides an overview of First Financial's financial performance in 2013, including increased earnings, strong returns, growth in assets and loans, and capital ratios above regulatory minimums. The document concludes with a forward-looking statement and summaries of First Financial's performance in the first quarter of 2014.
- Morgan Stanley Dean Witter reported net income of $1.075 billion for Q1 2001, down 30% from $1.544 billion in Q1 2000. Diluted earnings per share were $0.94, down 30% from $1.34 in Q1 2000.
- Revenues decreased 14% to $6.385 billion due to difficult markets negatively impacting several businesses, though fixed income and equity trading performed well.
- Return on equity was 23% and the company remains focused on reducing expenses while maintaining client services in challenging market conditions.
This document summarizes Pine Bank's 3Q17 earnings release conference call. It discusses the bank's turnaround efforts focusing on professional management, excess capital, and excess liquidity. Key measures taken include increasing loan loss provisions, breaking down credit portfolios, and increasing portfolio coverage ratios to reduce provision volatility and allow for recurring net income growth. The document provides financial results, highlights from various business lines, and guidance for 2018 with a focus on loan portfolio growth and return on equity.
This document provides an overview of Pine Bank for institutional investors. It includes sections on the bank's profile and history, business strategy, corporate governance, and economic overview. Some key details include:
- Pine Bank has focused on long-term client relationships and specialized services. It has a loan portfolio of R$6.3 billion and shareholders' equity of R$915 million.
- The bank's business lines include corporate credit, financial and capital markets instruments, and asset management.
- It has a majority controlling shareholder and international investors like DEG and Proparco make up over 15% of shares.
- The presentation reviews Brazil's economic indicators and credit market trends to contextualize Pine Bank's operating
Every day I hear from people that the stock market is a bad investment because of the volatile nature. Yes the stock market is volatile but over the long term we can see the true nature of investing in stocks and bonds.
"2012/2013 Income, Estate and Gift Tax Changes a Result of the 'Fiscal Cliff'...Dinsmore & Shohl LLP
"2012/2013 Income, Estate and Gift Tax Changes a Result of the 'Fiscal Cliff'," Financial Planning Association of Southwestern Ohio, Election Preview Virtual Conference
Banco ABC - 4th Quarter 2007 Earnings PresentationBanco ABC Brasil
Banco ABC Brasil had a successful year in 2007. The credit portfolio grew 71% to R$4,992 million while maintaining high quality with 99.5% of loans rated AA-C. Net income increased 154.6% in 4Q07 and 93.8% for the full year 2007. The middle market credit portfolio grew 89.9% with a focus on Sao Paulo clients and an average ticket size of R$1.9 million.
The document summarizes a presentation given by Terrance Resnick on business succession and estate planning. It discusses how inefficient succession planning is a leading cause of family businesses failing between the first and second generation. It provides a checklist of issues that should be addressed in a business succession plan and highlights common mistakes made, such as relying solely on an "I love you will" that leaves everything to a spouse.
- The company reported a cash position of R$1.5 billion and a BIS capital ratio of 15.9% in the 2Q16 earnings release conference call.
- The loan portfolio decreased by 27.3% compared to the previous year due to significant increases in provisions. Expenses also decreased by 8% in the first half of the year from rigorous cost control.
- The portfolio is diversified across sectors such as sugar and ethanol (12%), energy (12%), and real estate (12%). Funding sources remain diversified including deposits, which accounted for 51% of total funding.
The document is Guaranty Trust Bank's 2017 annual report. It includes:
- An overview of the bank's corporate governance structure and compliance with SEC and CBN governance codes.
- Summaries of the bank's financial performance for 2017, showing growth in gross earnings, profit before tax, and profit after tax compared to 2016.
- Reports and statements from the board of directors, audit committee, and independent auditor regarding the bank's financials and operations.
- Details of the bank's vision, mission, directors, notice for the upcoming annual general meeting, and various sections of the financial statements.
The portfolio currently holds 133 active loans totaling $139.5 million, secured by $241.8 million in collateral. 155 loans have been repaid totaling $83.1 million, secured by $143.3 million in collateral. The fund provides short-term, first position loans for real estate projects in the Pacific Northwest, with an average loan size of $1 million at 58% loan-to-value. Prospective investors should review the risks associated with this type of investment including potential loss of principal.
WIG - June 2014 Annual Financial ReportBrad Sheahon
This document provides a summary of Wilson HTM Investment Group's performance and operations for the 2009 financial year. Some key points:
- NPAT was $2.2 million compared to $12 million in the previous year, impacted by losses on principal investments. Excluding these, established businesses reported NPAT of $7.4 million.
- Funds under management grew 21% to $6.4 billion, driven by net inflows to Pinnacle boutiques and the Next Financial acquisition.
- Capital markets revenue declined 41% to $51.7 million and profit before tax fell 80% to $2.5 million, due to lower transaction volumes in a difficult market.
- Investment management revenue fell 8
The 2017 Edition, Non-Profit Compensation Report features by GuideStar:
135,986 observations from 96,669 Forms 990 and 990-EZ
Nonprofits from the entire 501(c) universe—most 501(c) organizations that filed an FY 2015 return with the IRS and had incomes of $200,000 or greater
14 job categories
Executive summary showing trends at a glance
National, state, metropolitan statistical area, gender, and NTEE (National Taxonomy of Exempt Entities) analyses
Incumbent compensation analyses
- Genworth MI Canada reported financial results for Q1 2016, with premiums written down 45% quarter-over-quarter due to targeted underwriting changes and a smaller transactional insurance market. The loss ratio was 24%, up slightly from the previous quarter.
- Key themes for 2016 include new capital standards for mortgage insurers being implemented in 2017, a focus on underwriting quality, and moderately lower premiums written with expected growth of over 5% in premiums earned.
- The portfolio quality of new insurance written continues to improve compared to 2007/08 levels, with steadily rising credit scores and stable debt servicing ratios.
This document is an investor presentation by AMG Advanced Metallurgical Group N.V. for the second quarter of 2019. It provides financial highlights such as revenues, earnings, and EBITDA for Q2 2019 compared to previous periods. It also summarizes key performance details for the Critical Materials and Technologies segments, including revenue drivers, expenses, capital expenditures, and average market prices for raw materials.
- The AES Corporation reported significant increases in revenue, earnings, and EPS for the first quarter of 2006 compared to the first quarter of 2005. Revenues increased 13% to $3.0 billion and net income more than doubled to $351 million.
- AES increased its 2006 guidance for diluted EPS and adjusted EPS based on the strong first quarter results.
- The results were driven by increased portfolio management, debt restructuring, and sales of excess emission allowances, as well as favorable business mix and tax rates.
The document summarizes the agenda and results of Best Buy's annual shareholder meeting on June 25, 2008. It includes the election of directors, ratification of auditors, approval of employee stock plans, and amendments to articles of incorporation. Presentations were given on the company's performance, strategies for growth, and international expansion. Best Buy aims to double its revenue to $80 billion in the next five years through its multi-brand retail strategy and partnerships.
This document provides a summary of Pine Bank's 2nd quarter 2011 earnings conference call. Key highlights included a 7.9% increase in corporate credit portfolio, 14.7% increase in net income, and improvement in other key performance indicators. The credit portfolio grew in a diversified manner across sectors and products while maintaining quality. Funding also grew with quality and diversity. Analyst coverage of Pine Bank remains positive with an average target price above the current stock price. Pine Bank reiterated its guidance for 2011 with 20-25% growth in corporate credit portfolio and a 17-20% return on equity.
This document discusses Genworth MI Canada Inc., a residential mortgage insurer in Canada. It provides the following information:
- Genworth has a proven business model as the largest private residential mortgage insurer in Canada. It has helped over 1 million families achieve homeownership.
- For 2016, Genworth expects regulatory changes, a modestly smaller mortgage originations market, and economic factors like low oil prices to impact its business. It forecasts moderately lower total premiums written but modest growth in premiums earned.
- Genworth maintains a strong financial position with a 2015 loss ratio of 21% and capital ratio of 233%. It expects its 2016 loss ratio to be in the range of 25-40% given economic assumptions.
The document summarizes Best Buy's annual shareholder meeting held on June 27, 2007. It provides the agenda which included the election of directors, ratification of auditors, and a vote on amending the stock incentive plan. Presentations were given by executives on the company's financial performance, growth strategies, and outlook for fiscal year 2008. Shareholders voted to approve all agenda items, with support over 94% for each. The company projected fiscal 2008 revenue of $39 billion and earnings per share of $2.95 to $3.15.
This document contains a presentation by Steve Boyle, CFO of TD Ameritrade, at the Wells Fargo Asset Managers, Brokers & Exchanges Forum in Chicago on March 22, 2016. The presentation outlines TD Ameritrade's unique business model, market leadership in online trading, premier asset gathering capabilities, relationship with TD Bank, positioning for rising interest rates, and deployment of capital to enhance shareholder value. Key metrics and financial forecasts are provided for several strategic focus areas. The presentation also contains boilerplate legal disclaimers regarding forward-looking statements and assumptions.
- The document is Zenith Bank's annual report for the year ended December 31, 2017. It includes information such as the directors and officers of the bank, the bank's operating results for the year, and the directors' shareholdings.
- Some key highlights include gross earnings increasing 46.7% to N745.19 billion and profit before tax increasing 29.8% to N203.46 billion. The board is proposing a final dividend of N2.45 per share.
- The largest shareholder is the chairman, Mr. Jim Ovia, with a direct shareholding of 2,946,199,395 shares and an indirect shareholding of 1,593,494,151 shares.
weyerhaeuser Citigroup 11th Annual Global Paper and Forest Products Conferenc...finance15
This document summarizes a Citigroup conference call with Dick Taggart, CFO of Weyerhaeuser, and Patty Bedient, SVP of Finance. Taggart discussed Weyerhaeuser's strategies to improve business segment performance and invest for growth. He also outlined steps to return value to shareholders, including dividend increases and share repurchases. Bedient provided an overview of the pending transaction to merge Weyerhaeuser fine paper assets with Domtar, creating a North American leader in uncoated freesheet paper. Taggart concluded with comments on maintaining the company's target capital structure amid the current housing cycle.
This presentation from Las Vegas Sands provides an investor update for Q1 2016, highlighting key financial metrics and performance across their properties. It summarizes that net revenue was $2.72 billion for Q1 2016, with hold-normalized adjusted property EBITDA of $1.03 billion. It also discusses continued growth in Singapore and strong revenue in Las Vegas as contributing factors. Additionally, it outlines Las Vegas Sands' commitment to returning capital to shareholders through recurring dividends and share repurchases totaling over $13 billion since 2012.
This document provides information from First Financial's 2017 Annual Shareholder Meeting. It includes details on executive management and board members, 2016 financial performance summaries, 1st quarter 2017 results, trust and asset management business updates, recent expansion activities, and stock performance information. The meeting highlights 30 consecutive years of increased earnings, continued strong asset quality, growth across business lines, and total returns exceeding 12% annually for shareholders over the past 5 years.
Raymond James-Institutional-Conference-2017investorsamtd
This document summarizes Steve Boyle's presentation at the Raymond James 38th Annual Institutional Investors Conference in March 2017. The key points are:
1) TD Ameritrade has evolved through four phases and is entering a new phase focused on achieving $1 trillion in assets with the planned acquisition of Scottrade.
2) The company's strategy is to deliver a superior client experience through scale, speed, simplicity and innovation.
3) Key 2017 goals include improving the client experience, building out advice solutions, growing client assets, leading in trading, increasing speed to market, and simplifying processes.
4) Metrics show strong growth in interest-earning assets, investment product fees, client assets, and daily
Every day I hear from people that the stock market is a bad investment because of the volatile nature. Yes the stock market is volatile but over the long term we can see the true nature of investing in stocks and bonds.
"2012/2013 Income, Estate and Gift Tax Changes a Result of the 'Fiscal Cliff'...Dinsmore & Shohl LLP
"2012/2013 Income, Estate and Gift Tax Changes a Result of the 'Fiscal Cliff'," Financial Planning Association of Southwestern Ohio, Election Preview Virtual Conference
Banco ABC - 4th Quarter 2007 Earnings PresentationBanco ABC Brasil
Banco ABC Brasil had a successful year in 2007. The credit portfolio grew 71% to R$4,992 million while maintaining high quality with 99.5% of loans rated AA-C. Net income increased 154.6% in 4Q07 and 93.8% for the full year 2007. The middle market credit portfolio grew 89.9% with a focus on Sao Paulo clients and an average ticket size of R$1.9 million.
The document summarizes a presentation given by Terrance Resnick on business succession and estate planning. It discusses how inefficient succession planning is a leading cause of family businesses failing between the first and second generation. It provides a checklist of issues that should be addressed in a business succession plan and highlights common mistakes made, such as relying solely on an "I love you will" that leaves everything to a spouse.
- The company reported a cash position of R$1.5 billion and a BIS capital ratio of 15.9% in the 2Q16 earnings release conference call.
- The loan portfolio decreased by 27.3% compared to the previous year due to significant increases in provisions. Expenses also decreased by 8% in the first half of the year from rigorous cost control.
- The portfolio is diversified across sectors such as sugar and ethanol (12%), energy (12%), and real estate (12%). Funding sources remain diversified including deposits, which accounted for 51% of total funding.
The document is Guaranty Trust Bank's 2017 annual report. It includes:
- An overview of the bank's corporate governance structure and compliance with SEC and CBN governance codes.
- Summaries of the bank's financial performance for 2017, showing growth in gross earnings, profit before tax, and profit after tax compared to 2016.
- Reports and statements from the board of directors, audit committee, and independent auditor regarding the bank's financials and operations.
- Details of the bank's vision, mission, directors, notice for the upcoming annual general meeting, and various sections of the financial statements.
The portfolio currently holds 133 active loans totaling $139.5 million, secured by $241.8 million in collateral. 155 loans have been repaid totaling $83.1 million, secured by $143.3 million in collateral. The fund provides short-term, first position loans for real estate projects in the Pacific Northwest, with an average loan size of $1 million at 58% loan-to-value. Prospective investors should review the risks associated with this type of investment including potential loss of principal.
WIG - June 2014 Annual Financial ReportBrad Sheahon
This document provides a summary of Wilson HTM Investment Group's performance and operations for the 2009 financial year. Some key points:
- NPAT was $2.2 million compared to $12 million in the previous year, impacted by losses on principal investments. Excluding these, established businesses reported NPAT of $7.4 million.
- Funds under management grew 21% to $6.4 billion, driven by net inflows to Pinnacle boutiques and the Next Financial acquisition.
- Capital markets revenue declined 41% to $51.7 million and profit before tax fell 80% to $2.5 million, due to lower transaction volumes in a difficult market.
- Investment management revenue fell 8
The 2017 Edition, Non-Profit Compensation Report features by GuideStar:
135,986 observations from 96,669 Forms 990 and 990-EZ
Nonprofits from the entire 501(c) universe—most 501(c) organizations that filed an FY 2015 return with the IRS and had incomes of $200,000 or greater
14 job categories
Executive summary showing trends at a glance
National, state, metropolitan statistical area, gender, and NTEE (National Taxonomy of Exempt Entities) analyses
Incumbent compensation analyses
- Genworth MI Canada reported financial results for Q1 2016, with premiums written down 45% quarter-over-quarter due to targeted underwriting changes and a smaller transactional insurance market. The loss ratio was 24%, up slightly from the previous quarter.
- Key themes for 2016 include new capital standards for mortgage insurers being implemented in 2017, a focus on underwriting quality, and moderately lower premiums written with expected growth of over 5% in premiums earned.
- The portfolio quality of new insurance written continues to improve compared to 2007/08 levels, with steadily rising credit scores and stable debt servicing ratios.
This document is an investor presentation by AMG Advanced Metallurgical Group N.V. for the second quarter of 2019. It provides financial highlights such as revenues, earnings, and EBITDA for Q2 2019 compared to previous periods. It also summarizes key performance details for the Critical Materials and Technologies segments, including revenue drivers, expenses, capital expenditures, and average market prices for raw materials.
- The AES Corporation reported significant increases in revenue, earnings, and EPS for the first quarter of 2006 compared to the first quarter of 2005. Revenues increased 13% to $3.0 billion and net income more than doubled to $351 million.
- AES increased its 2006 guidance for diluted EPS and adjusted EPS based on the strong first quarter results.
- The results were driven by increased portfolio management, debt restructuring, and sales of excess emission allowances, as well as favorable business mix and tax rates.
The document summarizes the agenda and results of Best Buy's annual shareholder meeting on June 25, 2008. It includes the election of directors, ratification of auditors, approval of employee stock plans, and amendments to articles of incorporation. Presentations were given on the company's performance, strategies for growth, and international expansion. Best Buy aims to double its revenue to $80 billion in the next five years through its multi-brand retail strategy and partnerships.
This document provides a summary of Pine Bank's 2nd quarter 2011 earnings conference call. Key highlights included a 7.9% increase in corporate credit portfolio, 14.7% increase in net income, and improvement in other key performance indicators. The credit portfolio grew in a diversified manner across sectors and products while maintaining quality. Funding also grew with quality and diversity. Analyst coverage of Pine Bank remains positive with an average target price above the current stock price. Pine Bank reiterated its guidance for 2011 with 20-25% growth in corporate credit portfolio and a 17-20% return on equity.
This document discusses Genworth MI Canada Inc., a residential mortgage insurer in Canada. It provides the following information:
- Genworth has a proven business model as the largest private residential mortgage insurer in Canada. It has helped over 1 million families achieve homeownership.
- For 2016, Genworth expects regulatory changes, a modestly smaller mortgage originations market, and economic factors like low oil prices to impact its business. It forecasts moderately lower total premiums written but modest growth in premiums earned.
- Genworth maintains a strong financial position with a 2015 loss ratio of 21% and capital ratio of 233%. It expects its 2016 loss ratio to be in the range of 25-40% given economic assumptions.
The document summarizes Best Buy's annual shareholder meeting held on June 27, 2007. It provides the agenda which included the election of directors, ratification of auditors, and a vote on amending the stock incentive plan. Presentations were given by executives on the company's financial performance, growth strategies, and outlook for fiscal year 2008. Shareholders voted to approve all agenda items, with support over 94% for each. The company projected fiscal 2008 revenue of $39 billion and earnings per share of $2.95 to $3.15.
This document contains a presentation by Steve Boyle, CFO of TD Ameritrade, at the Wells Fargo Asset Managers, Brokers & Exchanges Forum in Chicago on March 22, 2016. The presentation outlines TD Ameritrade's unique business model, market leadership in online trading, premier asset gathering capabilities, relationship with TD Bank, positioning for rising interest rates, and deployment of capital to enhance shareholder value. Key metrics and financial forecasts are provided for several strategic focus areas. The presentation also contains boilerplate legal disclaimers regarding forward-looking statements and assumptions.
- The document is Zenith Bank's annual report for the year ended December 31, 2017. It includes information such as the directors and officers of the bank, the bank's operating results for the year, and the directors' shareholdings.
- Some key highlights include gross earnings increasing 46.7% to N745.19 billion and profit before tax increasing 29.8% to N203.46 billion. The board is proposing a final dividend of N2.45 per share.
- The largest shareholder is the chairman, Mr. Jim Ovia, with a direct shareholding of 2,946,199,395 shares and an indirect shareholding of 1,593,494,151 shares.
weyerhaeuser Citigroup 11th Annual Global Paper and Forest Products Conferenc...finance15
This document summarizes a Citigroup conference call with Dick Taggart, CFO of Weyerhaeuser, and Patty Bedient, SVP of Finance. Taggart discussed Weyerhaeuser's strategies to improve business segment performance and invest for growth. He also outlined steps to return value to shareholders, including dividend increases and share repurchases. Bedient provided an overview of the pending transaction to merge Weyerhaeuser fine paper assets with Domtar, creating a North American leader in uncoated freesheet paper. Taggart concluded with comments on maintaining the company's target capital structure amid the current housing cycle.
This presentation from Las Vegas Sands provides an investor update for Q1 2016, highlighting key financial metrics and performance across their properties. It summarizes that net revenue was $2.72 billion for Q1 2016, with hold-normalized adjusted property EBITDA of $1.03 billion. It also discusses continued growth in Singapore and strong revenue in Las Vegas as contributing factors. Additionally, it outlines Las Vegas Sands' commitment to returning capital to shareholders through recurring dividends and share repurchases totaling over $13 billion since 2012.
This document provides information from First Financial's 2017 Annual Shareholder Meeting. It includes details on executive management and board members, 2016 financial performance summaries, 1st quarter 2017 results, trust and asset management business updates, recent expansion activities, and stock performance information. The meeting highlights 30 consecutive years of increased earnings, continued strong asset quality, growth across business lines, and total returns exceeding 12% annually for shareholders over the past 5 years.
Raymond James-Institutional-Conference-2017investorsamtd
This document summarizes Steve Boyle's presentation at the Raymond James 38th Annual Institutional Investors Conference in March 2017. The key points are:
1) TD Ameritrade has evolved through four phases and is entering a new phase focused on achieving $1 trillion in assets with the planned acquisition of Scottrade.
2) The company's strategy is to deliver a superior client experience through scale, speed, simplicity and innovation.
3) Key 2017 goals include improving the client experience, building out advice solutions, growing client assets, leading in trading, increasing speed to market, and simplifying processes.
4) Metrics show strong growth in interest-earning assets, investment product fees, client assets, and daily
Brazil Digital Report: a first-edition dossier on the Brazilian digital economy. A comprehensive report on trends and facts for investors, public and private institutions, entrepreneurs, executives, students, and for digital savvy people who are curious about Brazil.
https://www.brazilatsiliconvalley.com/
Brazil Digital Report - 1st Edition By McKinsey & Company and Brazil at Silic...Ana Lucia Amaral
This report provides an overview of Brazil's economy, innovation landscape, and opportunities for growth. While Brazil's GDP is growing again after a slowdown, productivity has increased little. The economy relies heavily on private consumption and the services sector. Macroeconomic indicators like inflation, interest rates, and Brazil's risk rating have improved in recent years. However, Brazil needs to address low productivity, lack of innovation, and the absence of large technology companies in order to transition to sustainable long-term growth as workforce growth declines.
- Thomson Reuters held a presentation to discuss their fourth-quarter and full-year 2021 results.
- They reported 6% revenue growth in Q4 2021 and raised their 2022-2023 guidance.
- Their Change Program is on track to achieve $600 million in savings and they have migrated 37% of revenue to the cloud.
- Their "Big 3" segments (Legal, Corporates, and Tax & Accounting) grew organically by 7% in 2021 and they see continued growth potential in these areas.
Prepare forecasted financial statements for Year 7 (cash flow statem.pdfkishorchelani123
Prepare forecasted financial statements for Year 7 (cash flow statement, income statement, and
balance sheet). Prepare a brief justification for each assumption that you make when forecasting
a specific value.
Exhibit 1:
Annual Summary Financial Statements
Bastion Finance
Summary of Audited Financial Statements ($ Millions)
Income Statements Year 1 Year 2 Year3 Year 4 Year 5 Year 6
Revenues
Interest Income 4.3 19.0 28.3 36.4 39.2 46.7
Loan Fees 5.2 15.4 8.0 11.2 20.0 22.8
Operating Revenue 9.5 34.4 36.3 47.6 59.2 69.5
Expenses
Interest Expense 4.5 15.8 24.7 31.7 41.5 48.7
Salaries and Wages 0.7 0.8 0.9 1.1 1.3 1.5
Other 0.2 0.2 0.2 0.3 0.3 0.5
Operating Expenses 5.4 16.8 25.8 33.1 43.1 50.7
Operating Income 4.1 17.6 10.5 14.5 16.1 18.8
Bad Debts 0.0 0.0 0.0 0.0 3.9 6.3
Income Tax 0.0 0.0 0.0 0.0 4.8 1.6
Net Income 4.1 17.6 10.5 14.5 7.4 10.9
Statements of Retained Earnings
Beginning Retained Earnings 0.0 1.1 5.7 5.2 5.7 6.1
Net Income 4.1 17.6 10.5 14.5 7.4 10.9
Dividends 3.0 13.0 11.0 14.0 7.0 10.0
Ending Retained Earnings 1.1 5.7 5.2 5.7 6.1 7.0
Balance Sheets
Assets
Cash 2.9 2.0 71.8 96.2 102.4 81.1
Loans Receivable 74.5 232.9 264.8 312.6 349.3 393.3
Total Assets 77.4 234.9 336.6 408.8 451.7 474.4
Liabilities
Interest Payable 1.1 4.0 6.2 7.9 10.4 12.2
Term Deposits 75.0 225.0 325.0 395.0 435.0 455.0
Total Liabilities 76.1 229.0 331.2 402.9 445.4 467.2
Owners Equity
Common Stock 0.2 0.2 0.2 0.2 0.2 0.2
Retained Earnings 1.1 5.7 5.2 5.7 6.1 7.0
Total Liabilities and Equity 77.4 234.9 336.6 408.8 451.7 474.4
Exhibit 2:
Information from the Companys Annual Report to Shareholders.
Bastion Finance
Fiscal Year
The fiscal year for Bastion Finance runs from March 16 through March 15. To avoid confusion,
dates are not used in the following discussion. Instead, references are made to each full fiscal
year of operation. Thus Year 1 refers to the firms first full year of business and Year 6 to its most
recently completed year.
Company Regulatory Matters
The company is organized as a commercial investment company. It is not subject to regulatory
oversight as a bank. Securities regulations require that term investors be supplied with a current
prospectus. Depositors investments are not insured or guaranteed by any governmental agency.
Company Shareholders
Shares in Bastion Finance are not listed on any exchange nor are they publicly traded. Private
transactions between individuals have occurred infrequently. As of the end of Year 6, the firm is
aware of 15 individuals owning sharesmost consist of very small holdings. The five largest
shareholders and their holdings are:
Shares
%
Eric Lombard 1,290,000 43%
Walter Carson 1,050,000 35%
Lance Edwards 300,000 10%
LeRoy Fisk 150,000 5%
Linda Hobbs 60,000 2%
In Year 3, Linda Hobbs purchased 60,000 shares from Walter Carson for $2,816,000, a price
representing eight times per share earnings for Year 2. At the end of Year 4, LeRoy Fisk
purchased 150,000 shares from Walter Carson for $7,250,000, a price representi.
The portfolio currently holds 27 active loans totaling $15.5 million, secured by $30 million in collateral. Previously, 12 loans totaling $2.5 million have been repaid, secured by $4.5 million in collateral. The average loan size is $572,811 with an average LTV of 57% and term of 9.3 months at an interest rate of 12.4%. The fund seeks to generate high returns for investors through short-term real estate lending while minimizing risk.
Target
Annual
Report
Beauty & Household
Essentials
Food & Beverage Home Furnishings
& Décor
Apparel &
Accessories
Hardlines
’14 ’15 ’16 ’17 ’18 ’19
2019 Growth: 3.7%
Five-year CAGR: 1.5%
’14 ’15 ’16 ’17 ’18 ’19
2019 Growth: 13.3%
Five-year CAGR: 0.5%
’14 ’15 ’16 ’17 ’18 ’19
2019 Growth: 11.6%
Five-year CAGR: 5.9%
’14 ’15 ’16 ’17 ’18 ’19
2019 Growth: 15.4%
Five-year CAGR: 10.6%
27% 19%19% 19% 16%
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To explore key stories of the past
year and find out what’s ahead, visit
Target.com/abullseyeview. You can
view our Annual Report online at
Target.com/annualreport.
Total 2019 Sales: $77,130 Million
Financial Highlights
(Note: Reflects amounts attributable to continuing operations. 2017 was a 53-week year.)
Total Revenue
In Millions
Operating Income
In Millions
Net Earnings
In Millions
Diluted EPS
Welcome to our
2019 Annual Report
By any measure, 2019 was an exceptional year for the Target team. It’s a year that stands on its own, and
a glance through this report will demonstrate why. But looking back on it now, what really stands out to
me is how 2019 prepared Target for this extraordinary moment we’re all navigating together, as our team,
guests and communities respond to COVID-19.
Usually I would provide a detailed recap of our previous year’s results in this letter. In this unprecedented
moment, that doesn’t feel right. On one hand, we’re focused entirely on the immediate needs of our team
and guests. At the same time, I’m more aware and appreciative than ever of the enduring attributes that
will help us all move safely beyond this crisis.
At Target, our strategy is an expression of our purpose and values. For years, we’ve invested to make
our proximity to guests work even harder for them. That meant adding brands, fulfillment capabilities and
expert service to our nearly 1,900 neighborhood stores, and moving into additional neighborhoods every
year. It meant a constant drive to curate the right mix of products across our multi-category assortment.
We remained convinced, sometimes against conventional thinking, that stores would continue to matter
to our guests, whether they shopped online or in-person.
While it had long been evident in our culture, we formally articulated our purpose a few years ago: To help
all families discover the joy of everyday life. Today, with the coronavirus outbreak, everyday life has started
to look different for everyone —and our guests have turned to us more than ever.
When they needed to stock up for their families, they came to Target. When they wanted items right away,
they looked to us for same-day pickup or delivery. When families were anxious to minimize trips, they foun.
Carfinco Financial Group Inc. is a uniquely positioned auto finance company that has delivered consistent 20%+ annual growth. It provides financing to "non-prime" credit applicants, with a principal balance of $205 million and over 20,000 customers as of March 2013. The presentation highlights Carfinco's competitive position, growing loan portfolio, impressive returns, experienced leadership, and analysts' positive outlook. It argues that Carfinco is well positioned for continued strong growth amid economic volatility.
NVCA-Deloitte Human Capital Survey, Second EditionMaryam Haque
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1) An overview of Yahoo!, its history, business focus, competition and revenue sources.
2) Cash flow calculations and assumptions for the period of 2013-2017, including revenue growth assumptions, operating expense percentages, tax rates, capital expenditure assumptions, and changes in working capital.
3) Calculation of Yahoo!'s weighted average cost of capital (WACC) of 7.84% based on its debt rating and market data for risk free rates and equity risk premium.
4) Calculation of Yahoo!'s net present value (NPV) based on the cash flow projections and a terminal value, resulting
This document provides an analysis of Yahoo! Inc. for valuation purposes. It includes:
1) An overview of Yahoo!, its history, business focus, competition and revenue sources.
2) Cash flow projections and assumptions for the period of 2013-2017, including revenue growth rates, operating expenses, taxes, capital expenditures, and changes in working capital.
3) Calculation of the weighted average cost of capital (WACC) of 7.84% using inputs like the risk free rate, cost of debt, beta, and tax rate.
4) Calculation of net present value (NPV) of future cash flows and a terminal value in 2018, resulting in an enterprise value of $10
Genworth MI Canada Inc. reported its fourth quarter 2016 results. Key highlights included:
- Net operating income increased 11% year-over-year to $105 million, with an 18% loss ratio.
- Premiums written decreased 20% year-over-year to $171 million due to lower new insurance written.
- Book value per share grew 7% year-over-year to $39.28.
- The company expects its 2017 full year loss ratio to be between 25-35%.
Bagr september 2015 investor presentation finaldrhincorporated
This document provides an overview of Diversified Restaurant Holdings, Inc. (DRH) and its two brands: Buffalo Wild Wings and Bagger Dave's Burger Tavern. DRH is the largest franchisee of Buffalo Wild Wings with 85 total locations across its brands. It has achieved strong growth through new openings as well as acquisitions. The presentation discusses DRH's management team, financial performance, growth strategies, and unit economics. It also provides details on the Buffalo Wild Wings and Bagger Dave's concepts, including their designs, menus, and marketing approaches.
This document summarizes Steve Boyle's presentation at the Barclays Americas Select Franchise Conference in May 2017. The key points are:
1) TD Ameritrade has evolved over four phases since 1975, growing client assets from $26 billion to $847 billion as of March 2017. The acquisition of Scottrade will take assets above $1 trillion.
2) The strategy is to deliver a superior client experience through scale, speed, simplicity and innovation while leading in trading and growing client assets.
3) Goals for 2017 include improving the client experience, building out advice solutions, growing client assets, leading in trading, increasing speed to market, simplifying processes, and delivering a great associate experience.
This document summarizes Symantec's 2013 Annual Stockholder Meeting. It introduces the Chairman of the Board, Dan Schulman, and lists the members of the Board of Directors. It then reviews the management team and outlines the formal meeting agenda, including proposals to be voted on and a question and answer session. The Chairman then adjourns the formal meeting and Steve Bennett, President and CEO, provides a strategic overview of the company, its priorities around offerings, go-to-market strategies, and working smarter.
This document provides an overview of retirement planning and investment strategies. It discusses key principles such as inflation, taxes, rates of return, risk, time, diversification, balance, and asset allocation. Historical data on inflation and market returns are presented to illustrate the importance of these principles. The summary also provides hypothetical retirement cash flow projections and portfolio performance data under different investment strategies and asset allocations. Overall, the document emphasizes the need for individuals to develop a customized retirement plan that takes into account their unique financial goals, situation, and risk tolerance.
- General Mills' net sales increased 5% to $17.6 billion in fiscal 2020, with organic net sales growth of 4%. Operating profit increased 17% to $3 billion.
- The COVID-19 pandemic significantly increased demand for at-home food consumption while decreasing away-from-home food demand. General Mills adapted quickly by prioritizing production of popular products and accelerating their e-commerce business.
- General Mills contributed $10 million in donations to address hunger and ensure food access during the pandemic. They also implemented enhanced safety measures across facilities.
- For fiscal 2021, General Mills' priorities are competing effectively to gain market share, driving efficiency to fuel brand investment, and reducing leverage to increase
This document provides an overview of CNO Financial Group's corporate governance and business initiatives. It discusses CNO's focus on the middle-income market in the US, which represents 53% of the population. Half of near-retirees receive no professional retirement guidance and many lack confidence in their ability to address critical illnesses. CNO takes a proactive approach to understanding customers and succeeding in the middle market through strategic alignment of distribution, products/advice, and operations/administration. The document outlines CNO's track record of execution including management actions, stock price outperformance, capital returned to shareholders, and proactive shareholder engagement. It discusses CNO's governance including board structure, executive compensation aligned with shareholders, and
Walter Aylett presented to the Senate Group on Aylett & Co, an independent investment management firm founded in 2005. He provided an overview of the firm's capabilities, investment philosophy, process and team. Aylett & Co aims to invest in quality businesses and takes a long-term view. The presentation included discussion of the firm's funds and stock selection approach, as well as their current market view and concerns around short-termism in the market.
Similar to 2019 FFIN Annual Shareholders Meeting Presentation (20)
First Financial Bankshares provides a quarterly report summarizing its financial performance and business operations. The report discusses the company's expansion into new markets through acquisitions and de novo branches, recognition for its customer service programs, and executive leadership team. It highlights the company's growth strategy in high-population areas of Texas and provides market share data for its various banking regions across the state.
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- First Financial is an $8.1 billion financial holding company headquartered in Abilene, Texas with 129 years of history and a regional banking model focused on growth markets around Dallas, Fort Worth, and Houston.
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2. Executive Management Team
43 48
Scott Dueser
Chairmanofthe Board, Presidentand Chief ExecutiveOfficer
At FFIN In Banking
2
3. Executive Management Team
Ron Butler
ExecutiveVice President
Chief AdministrativeOfficer
26AtFFIN
37In Banking Tim Collard
ExecutiveVice President
Lending
27AtFFIN
38In Banking
3
4. Executive Management Team
Troy Fore
President
FirstFinancialMortgage
4AtFFIN
38In Banking
Gary S.Gragg
ExecutiveVice President
Chief LendingOfficer
28AtFFIN
40In Banking
4
5. Executive Management Team
J. BruceHildebrand, CPA
ExecutiveVice President
Chief Financial Officer
16AtFFIN
40In Banking
Monica Houston
ExecutiveVice President
RetailBankingand Training
23AtFFIN
23In Banking
5
7. Executive Management Team
John Ruzicka
Executive Vice President
Chief Information Officer
AtFFIN
39In Banking
1
Michele Stevens
Executive Vice President
Advertising and Marketing
22AtFFIN
35In Banking
7
9. Senior ManagementTeam
Brandon Harris
SeniorVice President
AppraisalServices
5AtFFIN
18In Banking
Larry Kentz
SeniorVice Presidentand Compliance
Officer Compliance
5AtFFIN
38In Banking
J. Kyle McVey, CPA
SeniorVice President
Chief AccountingOfficer
9AtFFIN
11In Banking
9
10. Line of Business Executives
Brandon Barker
Co-Manager
FirstFinancialInvestmentAdvisors
13 At FFIN | 26 In Banking
Will Christoferson
Vice President
Marketing
1 At FFIN | 10 In Banking
Frank Gioia
Senior Vice President
CustomerCareCenter
4 At FFIN | 32 In Banking
Tony Gorman
SeniorVice President
HumanResources
5 At FFIN | 32 In Banking
Rick Howard
Co-Manager
FirstFinancialInvestmentAdvisors
9 At FFIN | 12 In Banking
Gary Milliorn
Vice President
PropertyManagement
4 At FFIN | 30 In Banking
AndreaSmiddy-Schlagel
ExecutiveVice President
TreasuryManagement
1 At FFIN | 31 In Banking
MichaelWolverton
ExecutiveVice President
Consumer Lending
8 At FFIN | 34 In Banking
10
18. Board of Directors
April Anthony
ChiefExecutiveOfficerEncompassHomeHealth andHospice& Homecare
Homebase
4 Audit
CommitteeAppointmentYears On
Board
President, Mansefeldt Investment Corporation
TuckerS. Bridwell
12 Lead Director/Executive
Nominating/Corporate Governance
CommitteeAppointmentYears On
Board
DavidCopeland
President,SIPCO, Inc. and Shelton
Family Foundation
21 Executive/Audit
Nominating/Corporate Governance
CommitteeAppointmentYears On
Board
18
MikeDenny
President, Batjer and Associates, Inc.
CommitteeAppointmentYears On
Board
Audit
19. Board of Directors
Principal,The Edwards Group
Murray Edwards
13 Executive/Audit
Nominating/Corporate Governance
CommitteeAppointmentYears On
Board
G&G Investments
Ron Giddiens
10
CommitteeAppointmentYears On
Board
Audit
RetiredPresidentand CEOHendrickHealth System
TimLancaster
6
CommitteeAppointmentYears On
Board
Audit/Compensation
F. Scott Dueser
Chairmanof theBoard,PresidentandCEO
28 Executive
CommitteeAppointmentYears On
Board
19
20. Board of Directors
President and CEO LivestockInvestors,Ltd.
JohnnyE. Trotter
16
CommitteeAppointmentYears On
Board
Executive
Compensation
Nominating/Corporate Governance
Chairman and President Akrotex,Inc.
RossH. Smith,Jr.
5
CommitteeAppointmentYears On
Board
Compensation
KadeL.Matthews
RanchingandInvestments
21 Compensation
CommitteeAppointmentYears On
Board
20
Executive Chairman of Alegacy Group, LLC
RobertC.Nickles,Jr.
CommitteeAppointmentYears On
Board
Compensation
22. Certain statements contained hereinmay be considered“forward-lookingstatements” as defined in the Private SecuritiesLitigation Reform Act of 1995. Thesestatements are based upon the belief
of the Company’s management, as wellas assumptionsmade beyond information currentlyavailable to the Company’s management, and may be, butnot necessarilyare, identified by suchwords
as “believes,”“expect,” “plan,” “anticipate,” “target,”“forecast”and “goal”. Because such forward-lookingstatements are subjectto risksand uncertainties, actual resultsmay differmaterially from
those expressedor implied by such forward-lookingstatements. Factors that could cause actual resultsto differmaterially from the Company’s expectationsinclude competition from other
financial institutions and financial holding companies; the effectsofand changes in trade, monetaryand fiscal policiesand laws, including interestratepoliciesof the FederalReserveBoard;
changes in the demand for loans, fluctuations in value ofcollateraland loan reserves;inflation, interestrate, marketand monetary fluctuations; changes in consumerspending, borrowingor saving
habits; and acquisitions and integration of acquired businesses,and similarvariables. Other keyrisksare describedin the Company’s reportsfiled with the Securitiesand Exchange Commission,
which may be obtained under “InvestorRelations-Documentsand Filings”on the Company’s websiteor by writing or calling the Company at325.627.7155. Exceptas otherwisestated herein, the
Company does not undertakeany obligation to update publiclyor reviseany forward-lookingstatements because ofnew information, future eventsor otherwise.
Forward Looking Statement
22
57. Consummated January1, 2018
4 Branchesin Kingwood, El Campo, Fulshear,Palacios
$390.2 million in Assetsas ofDecember 31, 2017
$345.9 million in deposits
$271.5 million in loans
$59.4 million purchaseprice represents13.78x last twelve monthsearnings
Commercial Bankshares,Inc. paid a special dividend totaling $22.3 million prior toclosing of
transaction
CommercialState Bank –
KingwoodAcquisition
57
58. Kingwood acquisition is consistent with ouracquisition model ofhigh growthareas, strong
management and excellent earningsopportunity
Provides diversification and fits well into ourfootprint
Managementand Board sharesame values tooutstanding customerservice
Net Income of$6.06 million and an ROAof1.63%
CommercialState Bank –
KingwoodAcquisition
58
75. Management Changes
March 2018
Will Christoferson
Vice President – Marketing
May 2019
Michele Stevens
Retires after 22years of service - First
FinancialBankshares
75
March 2018
Joseph Crouch
President –
Sweetwater Division
76. Management Changes
76
April 2018
Austin Elsner
President andCEO–CleburneRegion
April 2018
Tom O’Neil
Retires after 20years of service –
Abilene, Eastland,andCleburne
Regions
August 2018
KirbyCason
President –
Huntsville Division
August 2018
Robert Pate
Retires after 34years of
service – Huntsville Division
77. Management Changes
77
September 2018
Andrea Smiddy-Schlagel
ExecutiveVice President –Treasury
Management
December 2018
John Ruzicka
Chief Information Officerand Chairman,
President and CEO – First Technology Services,
Inc.
December 2018
Justin Hooper
President andCEO–Weatherford Region
December 2018
Jay Gibbs
Retires after 16years of
service – Weatherford
Region
80. Board of Directors
Mike Denny
President, Batjer and Associates, Inc.
Executive Chairmanof Alegacy Group, LLC
Robert C. Nickles, Jr.
80
81. Stock cost in January 2018 $45,050
Dividend declared ($0.82x1,000shares) $820
Increase in stock price during 2018($45.05to$57.69x1,000shares) $12,640
2018return on investment 28.06%
2017return on investment 1.33%
2016return on investment 52.14%
2015return on investment 3.05%
2014return on investment -7.96%
5 year compound average return 13.09%
TotalReturn onInvestment
Assumeyouowned 1,000shares of FFIN stockon January1, 2018
81
84. Effective Shareholders of recordas of May15, 2019
Distribution Date June 3, 2019
Stock Split and IncreasedCash Dividend
Two-for-One Stock Split 100% Stock
Dividend
84
85. Shareholders of recordas of June 17, 2019
Dividend payable July 1, 2019
Stock Split and IncreasedCash Dividend
Increase cash divided to $0.12per quarter
– 14.3% increase
85