GNW Addendum1Q2008FinancialSupp.
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This document summarizes mortgage insurance delinquency rates from the 4th quarter of 2007 to the 1st quarter of 2008. It shows that default rates increased across most categories, with the highest default rates for loans with lower FICO scores, higher LTV ratios, or riskier loan types like ARMs, Alt-A, interest-only and option ARMs. Default rates on fixed rate loans and for borrowers with stronger credit (FICO over 660) also rose during this period but remained lower than other groups.
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* Trends for the months ahead
Check out LCD's new, free web site, LeveragedLoan.com
http://www.leveragedloan.com
* Leveraged finance job postings
* Online Loan Market Primer
* LCD News
* Market Stats
Connect with LCD
Facebook: http://www.lcdcomps.com/facebook
Like LCD on Facebook for monthly analysis on LBO/Private equity stats, as well as Default/Restructuring analysis.
LinkedIn: http://www.lcdcomps.com/linkedin
There are some 8,500+ market contacts in LCD's Leveraged Loan Group
Twitter: http://www.twitter.com/lcdnews
News, commentary, other leveraged finance info
Web: http://www.lcdcomps.com
YouTube: http://youtu.be/beqRwq5u4h4
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Facebook: http://www.lcdcomps.com/facebook
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The Knights of Columbus 2011 Investment Review provides information about their investment strategy and performance. They focus on investing in investment grade corporates and agencies across sectors as well as high quality mortgage securities. They avoid risky investments like junk bonds, derivatives, and structured products. Over 2011, their total assets grew to $18 billion with 87.5% in bonds, 2.1% in stocks, and the remainder in real estate and other assets. Their annualized returns over various periods exceeded their peers, with strong credit ratings reflecting their conservative approach.
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fifth third bancorp 2Q08PortfolioStratificationsR
This document provides loan and lease stratification data for the second quarter of 2008. It includes breakdowns of non-performing assets, 90+ day delinquencies, and year-to-date net charge-off ratios by loan-to-value ratios and credit scores for various consumer loan and lease categories, including brokered home equity loans, direct home equity loans, first and second liens, and home equity lines of credit. The data shows that higher loan-to-value ratio loans and lower credit score loans typically have higher non-performing asset and delinquency rates as well as higher net charge-off ratios.
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The Progressive Corporation 2008 Annual Report summarizes the company's performance for the year. Key points include:
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Progressive 2008-AR no Art
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Home sales in Greater Vancouver declined 22.7% in 2012 compared to 2011, while home listings declined slightly by 2%. Prices held relatively firm, declining modestly by 2.3% over the year. Activity was below average as both buyers and sellers remained hesitant in the market throughout most of 2012. By December 2012, home sales had fallen 31.1% compared to the previous December, with declining sales across detached, attached and apartment properties, while benchmark home prices fell slightly across all property types.
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dish network annual reports 1999
This document is EchoStar Communications Corporation's annual report on Form 10-K for the fiscal year ending December 31, 1999. It provides information on EchoStar's business operations, legal proceedings, risks to its business, financial statements and other required disclosures. EchoStar operates a direct broadcast satellite subscription television service in the United States called DISH Network, which had approximately 3.4 million subscribers as of December 31, 1999. It also provides digital set-top boxes and other equipment to international direct-to-home service providers.
dish network annual reports 2000
This document is EchoStar Communications Corporation's annual report on Form 10-K for the fiscal year ended December 31, 2000 filed with the Securities and Exchange Commission. It summarizes EchoStar's business operations, including its DISH Network direct broadcast satellite television service, technologies division, and satellite services business unit. It provides an overview of the components and technology behind EchoStar's DISH Network service, including its programming offerings, equipment requirements, and conditional access system for encryption/security. Financial data and other required disclosures are also included as required by the SEC.
dish network annual reports 2001
This document is EchoStar Communications Corporation's annual report on Form 10-K for the fiscal year ending December 31, 2001 filed with the SEC. It provides an overview of EchoStar's businesses, including its DISH Network direct broadcast satellite television service and EchoStar Technologies equipment sales. It summarizes EchoStar's proposed merger with Hughes Electronics Corporation, which is subject to various regulatory approvals and conditions, including IRS and shareholder approval. If completed, the merger would create a new public company providing satellite TV services and technologies globally.
dish network annual reports 2002
This document is EchoStar Communications Corporation's annual report on Form 10-K for the fiscal year ending December 31, 2002 filed with the SEC. It provides an overview of EchoStar's business including its DISH Network direct broadcast satellite television service and EchoStar Technologies equipment manufacturing business. It discusses EchoStar's programming packages, sales and marketing strategies, satellite fleet, technology, competition, regulation, legal proceedings, and financial results.
dish network annual reports 2003
EchoStar Communications Corporation experienced significant growth in 2003, crossing the 9 million subscriber milestone for its DISH Network satellite television service. The company launched its ninth satellite and released several new receiver products, including those supporting high-definition television and digital video recording. Financially, EchoStar achieved $5.7 billion in revenue and $225 million in earnings, while reducing debt through bond issuances and retirements. Going forward, the company plans to continue expanding its offerings in areas like international programming and high-definition television.
dish network annual reports 2004
- DISH Network added 1.48 million subscribers in 2004, surpassing 10 million subscribers in June 2004 and finishing the year with 10.9 million subscribers.
- DISH Network generated $7.15 billion in revenue in 2004, with earnings of $215 million and $21 million in free cash flow.
- DISH Network continues to focus on growing its subscriber base and developing additional services, and expects to launch its 10th satellite in early 2006 to increase channel offerings and capacity.
dish network annual reports 2005
- DISH Network celebrated its 10th anniversary in 2005 and reported over $8.4 billion in revenue for the year, serving over 12 million customers.
- The company increased its net subscriber base by over 1.1 million customers in 2005 and remains the clear leader in international programming.
- Looking forward, the company plans to leverage its position as an HD leader by offering local HD channels in up to 30 markets by the end of the year using its new EchoStar X satellite.
dish network 2007 Notice and Proxy Statement
- The document is a letter from the Chairman and CEO of EchoStar Communications Corporation inviting shareholders to attend EchoStar's 2007 Annual Meeting of Shareholders on May 8, 2007.
- It provides details on the location, time, and agenda items to be voted on at the meeting, including the election of 10 directors and the ratification of the appointment of KPMG LLP as the independent auditor.
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danaher 01-4qsupp
Danaher Corporation reported quarterly and annual sales and operating margin data for its Tools and Controls segments for an unaudited period. The Tools segment saw annual sales of $1.16 billion while the Controls segment generated $2.62 billion in annual sales. On an annual basis before restructuring, operating margins were 13.49% for Tools and 16.54% for Controls. After restructuring, the annual operating margin fell to 11.31% for Tools and 14.85% for Controls.
danaher 01-4qrel
Danaher Corporation reported its fourth quarter and full year 2001 results. For the fourth quarter, net earnings excluding restructuring charges were $76.6 million compared to $87.8 million in 2000. Full year 2001 net earnings excluding restructuring charges were $341.2 million, a 5% increase over 2000. However, Danaher recorded a $69.7 million restructuring charge in the fourth quarter related to manufacturing facility consolidations. For the full year, net earnings including restructuring charges were $297.7 million. Despite difficult economic conditions, Danaher was able to grow earnings in 2001 through aggressive cost reductions and restructuring actions.
danaher 01-3qrel
Danaher Corporation announced its third quarter 2001 results, reporting a 5% increase in net income to $87.7 million compared to $83.6 million in third quarter 2000. Third quarter sales were down 8.6% to $901.6 million due to weakness in the industrial economy. For the first nine months of 2001, net earnings increased 12% to $264.6 million on 4% higher sales of $2.86 billion compared to the same period in 2000. The CEO stated that aggressive cost control allowed for earnings growth despite softness in the economy and that Danaher will maintain a strict cost focus while economic conditions remain uncertain.
danaher 01-2qrel
Danaher Corporation announced its second quarter 2001 results, with record net earnings of $94.2 million, up 16% from the previous year. Revenue was also up 7% to $956.6 million. For the six month period, net earnings reached a record $176.8 million, up 16% and revenue was up 11.5% to $1.962 billion. While sales growth was strong, a slowing domestic economy negatively impacted some product lines, leading to a 4.5% decline in core sales volume. However, aggressive cost cutting measures helped boost earnings per share by 12.5% for the quarter.
danaher 01-1qrel
Danaher Corporation announced record results for the first quarter of 2001 with net earnings of $82.6 million, a 15% increase over the same period in 2000. Diluted earnings per share were $0.56, up 14% from 2000. Sales increased 16% to $1,005.3 million due to acquisitions. While core volume declined in the tools and components segment due to a weak domestic economy, cost containment measures helped drive record operating profit. The company expects continued outperformance in 2001 despite economic uncertainty.
danaher 02-4qrel
- Danaher Corporation reported record results for the fourth quarter and full year 2002, with net earnings of $161.7 million and $290.4 million respectively.
- Fourth quarter sales increased 39% to $1.275 billion compared to $918.9 million in 2001. Full year sales grew 21% to $4.577 billion.
- The strong results were driven by acquisitions and 3.5% core volume growth, although the tools and components segment declined slightly.
danaher 02-3qrel
Danaher Corporation announced its third quarter 2002 results, reporting a 32% increase in net earnings to $116.0 million compared to third quarter 2001. Diluted earnings per share increased 25% year-over-year to $0.74. Total sales for the quarter grew 28% to $1,151.7 million, driven primarily by acquisitions completed in the first quarter of 2002. For the first nine months of 2002, net earnings were $128.7 million which included a $173.8 million one-time non-cash charge related to goodwill impairment. Excluding this charge, nine month net earnings were up 14% to $302.4 million compared to the same period in 2001.
danaher 02-2qrel
Danaher Corporation announced its second quarter 2002 results, with net earnings of $103.7 million, a 10% increase over the second quarter of 2001. Earnings per share increased 5% to $0.66. Sales for the quarter increased 20% to $1.146 billion due primarily to recent acquisitions. For the first six months of 2002, net earnings were $12.7 million after a one-time $173.8 million goodwill impairment charge, but were up 5% excluding this charge at $186.4 million, with sales up 10% to $2.15 billion. The CEO stated they were pleased with the results and optimistic about continued improvement for the rest of the year.
danaher 02-1qrel
Danaher Corporation announced its first quarter 2022 results. Net earnings were $82.7 million, comparable to the previous year's results. However, after adopting a new accounting standard that eliminated goodwill amortization, earnings per share fell 14% compared to the previous year. The company also recorded a $173.8 million charge related to goodwill impairment in some business units. Total sales were relatively flat at $1,004.2 million. The CEO commented that while core volumes declined 15% due to economic challenges, the company has seen signs of stability in revenues and gives a more positive outlook for the rest of the year.
danaher 03-4Qsupp
Danaher Corporation provided a document summarizing its selling, general and administrative costs, operating profit, and free cash flow for the quarter and year ended December 31, 2003. Some key highlights include:
- Total company revenue for the quarter increased 16.7% to $1.49 billion compared to the same quarter last year.
- Operating profit before special credits for the total company was $239.6 million for the quarter, up 20.1% from the prior year.
- Free cash flow for the year was $781.2 million, up 21.1% from 2002.
danaher 03-4QREL
Danaher Corporation reported record results for the fourth quarter and full year 2003. Net earnings for Q4 2003 were $169.9 million, or $1.06 per share, compared to $161.7 million, or $1.03 per share for Q4 2002. For the full year, net earnings were $536.8 million or $3.37 per share compared to $290.4 million or $1.88 per share for 2002. Sales increased 17% in Q4 2003 to $1.49 billion and grew 16% for the full year to $5.29 billion. The company experienced strong growth in both its process/environmental controls and tools/components segments.
danaher 03-3Qsupp
This document from Danaher Corporation provides supplemental financial information including free cash flow and debt ratios for quarters ending in March, June, and September 2003 as well as year-to-date figures. Free cash flow is defined as operating cash flow minus capital expenditures and is a measure of available cash. Debt ratios including debt-to-total capital and net debt-to-total capital are also provided to show Danaher's leverage over time. Management believes these metrics provide useful information to investors and help determine borrowing capacity.
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This assessment plan proposal is to outline a structured approach to evaluati...lamluanvan.net Viết thuê luận văn
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Tham gia nhóm hỗ trợ viết bài fb: https://www.facebook.com/groups/285625754522599?locale=vi_VNFinancial Assets: Debit vs Equity Securities.pptx
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
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GNW Addendum1Q2008FinancialSupp.
- 1. U.S. Mortgage Insurance Delinquency Rates ($B) Total FICO > 660 FICO 620 - 659 FICO < 620 Primary Risk In Force 4Q 07 1Q 08 4Q 07 1Q 08 4Q 07 1Q 08 4Q 07 1Q 08 $31.3 $33.9 $22.1 $24.2 $6.4 $6.7 $2.9 $3.0 Primary Risk In Force Default Rate 4.3% 4.7% 2.5% 3.0% 7.5% 7.6% 12.8% 12.7% 2008 Policy Year $3.75 $3.01 $0.51 $0.23 Default Rate 0.2% 0.1% 0.4% 1.0% $12.1 $11.8 $8.5 $8.2 $2.4 $2.3 $1.3 $1.3 2007 Policy Year Default Rate 2.8% 4.5% 1.7% 3.1% 3.8% 5.7% 9.4% 12.3% $5.9 $5.6 $4.1 $4.0 $1.2 $1.1 $0.6 $0.5 2006 Policy Year Default Rate 5.4% 6.6% 3.6% 5.0% 8.3% 9.3% 15.4% 15.1% $4.2 $4.1 $3.0 $2.9 $0.9 $0.9 $0.3 $0.3 2005 Policy Year 5.2% 5.5% 3.2% 3.8% 8.5% 8.9% 14.4% 13.2% Default Rate 2004 & Prior Policy Years $9.1 $8.6 $6.5 $6.2 $1.9 $1.8 $0.7 $0.6 Default Rate 4.7% 4.5% 2.4% 3.0% 9.5% 9.1% 15.3% 14.0% $29.4 $32.1 $20.6 $22.8 $6.1 $6.4 $2.7 $2.9 Fixed Rate Default Rate 4.0% 4.2% 2.1% 3.5% 7.2% 7.3% 12.5% 12.3% $1.9 $1.8 $1.5 $1.4 $0.3 $0.3 $0.1 $0.1 ARMs Default Rate 7.2% 10.8% 5.9% 9.8% 12.0% 14.4% 23.2% 25.3% $8.8 $9.3 $5.4 $5.7 $2.3 $2.3 $1.2 $1.2 LTV > 95% Default Rate 5.8% 5.9% 2.6% 2.8% 8.0% 8.3% 15.3% 15.2% $1.9 $1.9 $1.6 $1.5 $0.3 $0.3 $0.1 $0.1 Alt-A Default Rate 6.2% 8.6% 5.1% 7.5% 11.7% 15.1% 18.2% 20.9% $4.0 $4.2 $3.3 $3.5 $0.5 $0.5 $0.2 $0.2 Interest Only & Option ARMs Default Rate 5.6% 8.5% 5.0% 7.8% 9.2% 12.1% 16.8% 19.7% = Significant Increases in Default Rates Loans With Unknown FICO Scores Are Included in the FICO 620 – 659 Category Default Rate Represents Number of Lender Reported Delinquencies Divided By Number of Remaining Policies Consistent With Mortgage Insurance Industry Practices GNW Alt-A Consists of Loans With Reduced Documentation or Verification of Income or Assets And a Higher Historical And Expected Default Rate Than Standard Documentation Loans. Addendum to 1Q 2008 Financial Supplement 1