The document summarizes Illinois' fiscal crisis and budget challenges. It notes that Illinois faces a $13.7 billion operating deficit for FY2011, equal to 52.2% of its general revenue fund appropriations. To address this, Illinois relies heavily on one-time revenues like debt issuance, fund sweeps, and federal stimulus funds. Over the long term, Illinois has seen the loss of high-paying manufacturing jobs replaced with lower paying service jobs without benefits. This has contributed to economic problems and budget deficits that Illinois has struggled to adequately address through recurring revenues and spending priorities.
Puerto rico's fiscal and economic turnaroundgobiernoprfaa
Governor Fortuño outlines Puerto Rico's fiscal and economic turnaround from 2009-2011. Key accomplishments include reducing the deficit by 81% through spending cuts, improving the credit rating, reforming the tax code, reducing unemployment, and increasing home and tourism sales. Economic indicators now point to positive growth, including a 28,000 job increase in 2011. The tax reform is generating increased government revenues despite lower tax collections, showing early success.
Alameda County Budget Workgroup May 16, 2011Keith Carson
The Alameda County Administrator's Office provided an update on the FY 2011-12 budget. The budget faces a $137.9 million shortfall due to declining revenues and one-time funds being exhausted. Reductions are planned across public assistance, health care, public protection and general government programs, totaling over 127 eliminated positions. The state and federal budgets also face large deficits, with the state gap estimated at $10.8 billion and further realignment of programs anticipated.
County Executive Presentation of the FY 2013 Advertised Budget PlanFairfax County
The document summarizes the FY 2013 budget recommendations for Fairfax County. It recommends a balanced budget with limited spending increases to cover critical needs like a 2.18% pay increase for employees. No real estate tax rate increase is proposed. Fees for stormwater and some services will increase. Strategic reductions were made while retaining core services, resulting in a $10.64 million decrease in agency expenditures and a net reduction of 2 positions.
The document provides a mid-year update to Franklin, MA's five year financial outlook. Key points include:
- State aid outlook has deteriorated, with an expected $1.7M reduction in FY2011 and ongoing risks.
- The forecasted deficit is minimally changed from $4.7M to $8.3M over five years.
- Franklin remains heavily dependent on state aid and has below average property taxes and school/municipal spending compared to peers.
- The structural deficit is expected to continue due to annual revenue growth being insufficient to maintain existing services.
The document summarizes the Illinois state budget and pension crisis. It provides details on revenue sources, spending priorities, and tax rates. It shows that the FY2013 all funds budget was $8.2 billion, with 51% from general revenue funds. The general revenue funds budget was $33.7 billion, with the top sources being personal income tax at 46% and sales tax at 19.7%. Pension spending accounted for 19.8% of the general revenue funds budget. It also compares Illinois tax rates to other Midwest states.
The Greater Pittsburgh Nonprofit Partnership hosted its 2011 Semi-Annual Membership Meeting on June 22, 2011. Ron Kramer from Schneider Downs presented on the potential changes to charitable deductions. Members Laura Maines, Bernadette Turner, and Dave Coplan provided a PA budget update, an update on our three committees' work, and an introduction to our 2012 dues changes, respectively. Thanks to all, including our Chair, Colleen Fedor and President, Diana Bucco for leading the meeting.
The document discusses the growing federal budget deficit and debt in the United States. It notes that the fiscal year 2008 deficit of $455 billion was the largest ever for a single year, and that the total federal debt exceeded $10 trillion for the first time. It argues that while current deficits and debt levels alone may not be problematic, the underlying structural imbalance indicated by long-term deficits signals a need for entitlement reform given the unsustainable obligations of programs like Social Security.
The Congressional Budget Office estimates the budgetary effects of the Budget Control Act of 2011. It finds that imposing discretionary spending caps and establishing a Congressional committee to find further savings would reduce deficits by at least $2.1 trillion from 2012-2021 compared to current law. The caps would cut spending relative to CBO's baseline projections. The act aims to reduce improper payments through new "program integrity" initiatives.
Puerto rico's fiscal and economic turnaroundgobiernoprfaa
Governor Fortuño outlines Puerto Rico's fiscal and economic turnaround from 2009-2011. Key accomplishments include reducing the deficit by 81% through spending cuts, improving the credit rating, reforming the tax code, reducing unemployment, and increasing home and tourism sales. Economic indicators now point to positive growth, including a 28,000 job increase in 2011. The tax reform is generating increased government revenues despite lower tax collections, showing early success.
Alameda County Budget Workgroup May 16, 2011Keith Carson
The Alameda County Administrator's Office provided an update on the FY 2011-12 budget. The budget faces a $137.9 million shortfall due to declining revenues and one-time funds being exhausted. Reductions are planned across public assistance, health care, public protection and general government programs, totaling over 127 eliminated positions. The state and federal budgets also face large deficits, with the state gap estimated at $10.8 billion and further realignment of programs anticipated.
County Executive Presentation of the FY 2013 Advertised Budget PlanFairfax County
The document summarizes the FY 2013 budget recommendations for Fairfax County. It recommends a balanced budget with limited spending increases to cover critical needs like a 2.18% pay increase for employees. No real estate tax rate increase is proposed. Fees for stormwater and some services will increase. Strategic reductions were made while retaining core services, resulting in a $10.64 million decrease in agency expenditures and a net reduction of 2 positions.
The document provides a mid-year update to Franklin, MA's five year financial outlook. Key points include:
- State aid outlook has deteriorated, with an expected $1.7M reduction in FY2011 and ongoing risks.
- The forecasted deficit is minimally changed from $4.7M to $8.3M over five years.
- Franklin remains heavily dependent on state aid and has below average property taxes and school/municipal spending compared to peers.
- The structural deficit is expected to continue due to annual revenue growth being insufficient to maintain existing services.
The document summarizes the Illinois state budget and pension crisis. It provides details on revenue sources, spending priorities, and tax rates. It shows that the FY2013 all funds budget was $8.2 billion, with 51% from general revenue funds. The general revenue funds budget was $33.7 billion, with the top sources being personal income tax at 46% and sales tax at 19.7%. Pension spending accounted for 19.8% of the general revenue funds budget. It also compares Illinois tax rates to other Midwest states.
The Greater Pittsburgh Nonprofit Partnership hosted its 2011 Semi-Annual Membership Meeting on June 22, 2011. Ron Kramer from Schneider Downs presented on the potential changes to charitable deductions. Members Laura Maines, Bernadette Turner, and Dave Coplan provided a PA budget update, an update on our three committees' work, and an introduction to our 2012 dues changes, respectively. Thanks to all, including our Chair, Colleen Fedor and President, Diana Bucco for leading the meeting.
The document discusses the growing federal budget deficit and debt in the United States. It notes that the fiscal year 2008 deficit of $455 billion was the largest ever for a single year, and that the total federal debt exceeded $10 trillion for the first time. It argues that while current deficits and debt levels alone may not be problematic, the underlying structural imbalance indicated by long-term deficits signals a need for entitlement reform given the unsustainable obligations of programs like Social Security.
The Congressional Budget Office estimates the budgetary effects of the Budget Control Act of 2011. It finds that imposing discretionary spending caps and establishing a Congressional committee to find further savings would reduce deficits by at least $2.1 trillion from 2012-2021 compared to current law. The caps would cut spending relative to CBO's baseline projections. The act aims to reduce improper payments through new "program integrity" initiatives.
The proposed FY 2013 budget is balanced with no property tax rate increase. It focuses on community and council priorities like providing more streets and sidewalks, enhancing code enforcement, increasing animal care services, and targeting neighborhood revitalization. Additional funds are allocated to police, fire, streets, code enforcement, animal care, and economic development to improve those services for residents. Financial reserves are maintained at 9% to provide budget stability.
BB&T reported 2008 net income of $1.5 billion and earnings per common share of $2.71. For the fourth quarter of 2008, net income totaled $305 million and net income available to common shareholders totaled $284 million, or $.51 per diluted common share. For the full year 2008, BB&T's net income available to common shareholders was $1.50 billion compared to $1.73 billion earned in 2007, a decrease of 13.6%.
BancAnalysts Association of Boston Conference finance2
The document summarizes the financial results and credit performance of JPMorgan Chase's Retail Financial Services division for the third quarter of 2008. Key points include:
- Revenue grew 15% year-over-year to $14.6 billion driven by regional banking and mortgage production, but credit costs increased significantly to $5.5 billion.
- Net income declined to $626 million due to higher credit costs, especially in home equity and subprime mortgages.
- Significant credit actions have been taken to tighten underwriting across home lending portfolios, but deterioration continues with high delinquencies and losses expected going forward.
- New initiatives are announced to proactively help homeowners modify loans and stay
The document provides an overview of the City of Los Angeles' fiscal year 2012-13 budget presented by Miguel A. Santa Ana. It discusses that the general fund supports most municipal services while special funds are generated for specific purposes. It also notes that public safety accounts for over a third of general fund appropriations while pensions account for nearly a fifth. Additionally, it outlines challenges like the economy, federal actions, and pensions as well as potential solutions to address budget deficits.
How has MS spent its disaster recovery CDBG funds? What percentage has gone towards lower-income storm victims? What would need to happen to meet Congressional goal?
This document appears to be the agenda for a budget town hall meeting at Florida International University on April 12, 2010. The agenda includes discussing FY10-11 budget expectations, providing a research update, highlighting new partnerships, and recognizing student achievements. It provides background on declining state funding for universities over the last decade and outlines FIU's budget plan for FY10-11, which anticipates cuts but also new sources of revenue from tuition increases and state stimulus funds. The document discusses recent research awards and grants received by FIU faculty and notes some new partnerships, including an agreement signed with Qingdao City Construction Investment Corp in China.
The document discusses using funds from the American Recovery and Reinvestment Act (ARRA) to support energy efficiency and clean energy financing programs. It outlines how ARRA funding is being used to expand existing revolving loan funds, create loan loss reserves, and issue Qualified Energy Conservation Bonds and New Clean Renewable Energy Bonds to finance energy projects. The development of secondary markets for loans is also discussed as critical to attracting private capital and driving down interest rates for consumers.
The document summarizes Washington state's financial outlook and implications for K-12 funding. It states that the state is facing a $6.1 billion budget deficit for 2009-2011 that may increase to $8.5-9 billion. K-12 education accounts for 41% of the state budget but the Governor's proposed reductions would cut it by 16%. The Governor proposes eliminating COLA for K-12, reducing programs like I-728 and levy equalization, and cutting other funding. Federal stimulus funds may help but will not solve the entire deficit issue. Budget cuts for schools are very likely but may not be as deep as proposed.
This document summarizes key aspects of the 2011-12 CUSD budget revision. It notes pros and cons of the state budget, including that it provides flat funding for education but underfunds Proposition 98. The budget dictates terms to local school boards and could result in midyear cuts. It also outlines risks to the state budget from economic events or federal budget cuts. The budget includes a "trigger" that could cut $1.9 billion from K-12 education if revenues fall short. Districts are prohibited from budgeting for these potential cuts.
2011 Cook County Pension Fund Actuary Reportcookcountyblog
1. The actuarial valuation as of December 31, 2011 was performed to assess the financial position and funding requirements of the County Employees' Annuity and Benefit Fund of Cook County.
2. As of December 31, 2011 there were 22,037 active members, 15,866 members receiving benefits, and 12,584 inactive members in the Fund. The total actuarial liability was $13.7 billion and the funded ratio was 57.5%.
3. The employer's normal cost for 2012 was 12.46% of payroll and the actuarially determined contribution requirement for 2012 was $655.8 million, while the expected employer contribution from tax levy was $193.4 million
Impacts of Federal Spending Changes on DC Commercial Real Estatekottmeier
Federal spending impacts the DC region's economy and commercial real estate market. While cuts are proposed for FY2011 and FY2012, key agencies for the region like HHS saw increases in 2011. Long term trends still point to overall growth in federal budgets. The region has historically fared well even when federal spending slows as the private sector picks up. Defense remains important for Northern Virginia but the region has diversified. Federal employment declines may slow absorption temporarily but the office market typically performs well as private sector demand recovers.
On June 14, 2010, Health & Medicine Policy Research group (HMPRG) hosted a forum, “The State’s Fiscal Crisis: Changing Our Collective Response.” With over 70 attendees, the forum explored the impact of the State’s budget and recent cuts on health and human services in Illinois. Participants heard from panel speakers about how we might collectively respond to the crisis and ensure responsible and adequate funding for education, health, and human services in Illinois. Materials from the forum can be found on the HMPRG website (www.hmprg.org)
The document summarizes efforts to strengthen the regional health care safety net across 7 counties in northern Illinois. A initiative began in 2006 to address problems in the safety net through policy analysis and comprehensive solutions. Key priorities identified through a regional summit in 2009 included developing a regional data sharing program, referral network, new financing schemes for the safety net, and ensuring comprehensive services. Next steps involved developing recommendations and seeking funding and leadership to implement an "enabling mechanism" to support the regional safety net.
The document discusses key issues related to health reform implementation for safety net health systems. It provides an overview of the National Association of Public Hospitals and Health Systems (NAPH), which advocates for safety net hospitals. The document outlines provisions of the Affordable Care Act related to coverage expansion, exchanges, provider payments, and innovation opportunities. It identifies challenges and questions for safety net health systems to consider regarding health reform implementation.
The document is a planning manual for building smart cities. It defines a smart city as one that uses information and communication technologies to enhance livability, workability and sustainability. A smart city collects data from sensors around the city, communicates that data through wired and wireless networks, and analyzes the data to understand current conditions and predict future needs in order to improve operations and decision making. The document provides guidance to help cities develop their own roadmaps for becoming smarter through the use of emerging technologies.
Telcos need to develop cloud partnering strategies to remain competitive and expand their business offerings quickly. This document discusses how telcos can leverage their existing infrastructure and partner with cloud solution providers to offer cloud services and fulfill their ambitions in the cloud space. It provides recommendations for telcos such as emphasizing their differentiated capabilities in multi-device cloud delivery, removing silos across customer segments, and promoting trust over cost to help small and medium enterprises use cloud services.
Ooredoo provides managed security services to enhance clients' IT systems by optimizing asset utilization, risk management, and compliance. As a managed security service provider, Ooredoo has over 200 security professionals and a global security operations center to provide an end-to-end security solution. Ooredoo's services include managed firewall and security information and event management, advanced threat protection, managed security operation center services, and professional security services such as vulnerability assessment, penetration testing, and compliance consulting.
The document provides an overview of Macquarie Infrastructure Company's fourth quarter and full year 2011 earnings conference call. It discusses positive cash generation trends, with proportionately combined free cash flow of $145.1 million for 2011. Segment performance is reviewed for IMTT, The Gas Company, District Energy, and Atlantic Aviation. Guidance is also provided for expected 2012 performance at each business. Debt profiles and compliance with debt covenants are summarized.
WESCO reported first quarter 2009 results with sales down 16% and net income of $23.3 million. Cost reduction efforts are estimated to save $100 million in 2009 and liquidity remains strong at $365 million. Guidance forecasts 2009 revenues to decline 15-20% but expense reductions, a lower tax rate, and continued cash flow are expected to partially offset revenue declines. Capital expenditures are forecast at $16 million for 2009.
The proposed FY 2013 budget is balanced with no property tax rate increase. It focuses on community and council priorities like providing more streets and sidewalks, enhancing code enforcement, increasing animal care services, and targeting neighborhood revitalization. Additional funds are allocated to police, fire, streets, code enforcement, animal care, and economic development to improve those services for residents. Financial reserves are maintained at 9% to provide budget stability.
BB&T reported 2008 net income of $1.5 billion and earnings per common share of $2.71. For the fourth quarter of 2008, net income totaled $305 million and net income available to common shareholders totaled $284 million, or $.51 per diluted common share. For the full year 2008, BB&T's net income available to common shareholders was $1.50 billion compared to $1.73 billion earned in 2007, a decrease of 13.6%.
BancAnalysts Association of Boston Conference finance2
The document summarizes the financial results and credit performance of JPMorgan Chase's Retail Financial Services division for the third quarter of 2008. Key points include:
- Revenue grew 15% year-over-year to $14.6 billion driven by regional banking and mortgage production, but credit costs increased significantly to $5.5 billion.
- Net income declined to $626 million due to higher credit costs, especially in home equity and subprime mortgages.
- Significant credit actions have been taken to tighten underwriting across home lending portfolios, but deterioration continues with high delinquencies and losses expected going forward.
- New initiatives are announced to proactively help homeowners modify loans and stay
The document provides an overview of the City of Los Angeles' fiscal year 2012-13 budget presented by Miguel A. Santa Ana. It discusses that the general fund supports most municipal services while special funds are generated for specific purposes. It also notes that public safety accounts for over a third of general fund appropriations while pensions account for nearly a fifth. Additionally, it outlines challenges like the economy, federal actions, and pensions as well as potential solutions to address budget deficits.
How has MS spent its disaster recovery CDBG funds? What percentage has gone towards lower-income storm victims? What would need to happen to meet Congressional goal?
This document appears to be the agenda for a budget town hall meeting at Florida International University on April 12, 2010. The agenda includes discussing FY10-11 budget expectations, providing a research update, highlighting new partnerships, and recognizing student achievements. It provides background on declining state funding for universities over the last decade and outlines FIU's budget plan for FY10-11, which anticipates cuts but also new sources of revenue from tuition increases and state stimulus funds. The document discusses recent research awards and grants received by FIU faculty and notes some new partnerships, including an agreement signed with Qingdao City Construction Investment Corp in China.
The document discusses using funds from the American Recovery and Reinvestment Act (ARRA) to support energy efficiency and clean energy financing programs. It outlines how ARRA funding is being used to expand existing revolving loan funds, create loan loss reserves, and issue Qualified Energy Conservation Bonds and New Clean Renewable Energy Bonds to finance energy projects. The development of secondary markets for loans is also discussed as critical to attracting private capital and driving down interest rates for consumers.
The document summarizes Washington state's financial outlook and implications for K-12 funding. It states that the state is facing a $6.1 billion budget deficit for 2009-2011 that may increase to $8.5-9 billion. K-12 education accounts for 41% of the state budget but the Governor's proposed reductions would cut it by 16%. The Governor proposes eliminating COLA for K-12, reducing programs like I-728 and levy equalization, and cutting other funding. Federal stimulus funds may help but will not solve the entire deficit issue. Budget cuts for schools are very likely but may not be as deep as proposed.
This document summarizes key aspects of the 2011-12 CUSD budget revision. It notes pros and cons of the state budget, including that it provides flat funding for education but underfunds Proposition 98. The budget dictates terms to local school boards and could result in midyear cuts. It also outlines risks to the state budget from economic events or federal budget cuts. The budget includes a "trigger" that could cut $1.9 billion from K-12 education if revenues fall short. Districts are prohibited from budgeting for these potential cuts.
2011 Cook County Pension Fund Actuary Reportcookcountyblog
1. The actuarial valuation as of December 31, 2011 was performed to assess the financial position and funding requirements of the County Employees' Annuity and Benefit Fund of Cook County.
2. As of December 31, 2011 there were 22,037 active members, 15,866 members receiving benefits, and 12,584 inactive members in the Fund. The total actuarial liability was $13.7 billion and the funded ratio was 57.5%.
3. The employer's normal cost for 2012 was 12.46% of payroll and the actuarially determined contribution requirement for 2012 was $655.8 million, while the expected employer contribution from tax levy was $193.4 million
Impacts of Federal Spending Changes on DC Commercial Real Estatekottmeier
Federal spending impacts the DC region's economy and commercial real estate market. While cuts are proposed for FY2011 and FY2012, key agencies for the region like HHS saw increases in 2011. Long term trends still point to overall growth in federal budgets. The region has historically fared well even when federal spending slows as the private sector picks up. Defense remains important for Northern Virginia but the region has diversified. Federal employment declines may slow absorption temporarily but the office market typically performs well as private sector demand recovers.
On June 14, 2010, Health & Medicine Policy Research group (HMPRG) hosted a forum, “The State’s Fiscal Crisis: Changing Our Collective Response.” With over 70 attendees, the forum explored the impact of the State’s budget and recent cuts on health and human services in Illinois. Participants heard from panel speakers about how we might collectively respond to the crisis and ensure responsible and adequate funding for education, health, and human services in Illinois. Materials from the forum can be found on the HMPRG website (www.hmprg.org)
The document summarizes efforts to strengthen the regional health care safety net across 7 counties in northern Illinois. A initiative began in 2006 to address problems in the safety net through policy analysis and comprehensive solutions. Key priorities identified through a regional summit in 2009 included developing a regional data sharing program, referral network, new financing schemes for the safety net, and ensuring comprehensive services. Next steps involved developing recommendations and seeking funding and leadership to implement an "enabling mechanism" to support the regional safety net.
The document discusses key issues related to health reform implementation for safety net health systems. It provides an overview of the National Association of Public Hospitals and Health Systems (NAPH), which advocates for safety net hospitals. The document outlines provisions of the Affordable Care Act related to coverage expansion, exchanges, provider payments, and innovation opportunities. It identifies challenges and questions for safety net health systems to consider regarding health reform implementation.
The document is a planning manual for building smart cities. It defines a smart city as one that uses information and communication technologies to enhance livability, workability and sustainability. A smart city collects data from sensors around the city, communicates that data through wired and wireless networks, and analyzes the data to understand current conditions and predict future needs in order to improve operations and decision making. The document provides guidance to help cities develop their own roadmaps for becoming smarter through the use of emerging technologies.
Telcos need to develop cloud partnering strategies to remain competitive and expand their business offerings quickly. This document discusses how telcos can leverage their existing infrastructure and partner with cloud solution providers to offer cloud services and fulfill their ambitions in the cloud space. It provides recommendations for telcos such as emphasizing their differentiated capabilities in multi-device cloud delivery, removing silos across customer segments, and promoting trust over cost to help small and medium enterprises use cloud services.
Ooredoo provides managed security services to enhance clients' IT systems by optimizing asset utilization, risk management, and compliance. As a managed security service provider, Ooredoo has over 200 security professionals and a global security operations center to provide an end-to-end security solution. Ooredoo's services include managed firewall and security information and event management, advanced threat protection, managed security operation center services, and professional security services such as vulnerability assessment, penetration testing, and compliance consulting.
The document provides an overview of Macquarie Infrastructure Company's fourth quarter and full year 2011 earnings conference call. It discusses positive cash generation trends, with proportionately combined free cash flow of $145.1 million for 2011. Segment performance is reviewed for IMTT, The Gas Company, District Energy, and Atlantic Aviation. Guidance is also provided for expected 2012 performance at each business. Debt profiles and compliance with debt covenants are summarized.
WESCO reported first quarter 2009 results with sales down 16% and net income of $23.3 million. Cost reduction efforts are estimated to save $100 million in 2009 and liquidity remains strong at $365 million. Guidance forecasts 2009 revenues to decline 15-20% but expense reductions, a lower tax rate, and continued cash flow are expected to partially offset revenue declines. Capital expenditures are forecast at $16 million for 2009.
JPMorgan Chase First Quarter 2008 Financial Results Conference Call finance2
1) JPMorgan Chase reported earnings of $2.4 billion on revenue of $17.9 billion for 1Q08, down 49% from record earnings in 1Q07. EPS was $0.68.
2) The Investment Bank took markdowns of $2.6 billion related to subprime, Alt-A, prime mortgages, and leveraged lending commitments. It reported a net loss of $87 million on revenue of $3 billion, down 52% year-over-year.
3) The firm increased its credit reserves by $2.5 billion, including $1.1 billion related to the home equity portfolio. It transferred $4.9 billion of lever
The presentation makes a compelling argument for the Joint Select Committee on Deficit Reduction ("Super Committee") to "Go Big" rather than going small.
For more info, visit http://crfb.org/go-big.
The document provides an earnings presentation for Sallie Mae for the second quarter of 2008. It summarizes key financial metrics including core earnings per share of $0.27, net income of $156 million, and net interest margin of 1.28%. It also discusses liquidity positions, financing activity, segment earnings details, and provides a reconciliation of GAAP to core earnings per share. The presentation outlines long term objectives around asset quality, productivity, capitalization and quality earnings.
County Budget Forecast FY 2014 and FY 2015Fairfax County
County Budget Forecast FY2014 and FY 2015
Joint Meeting of the Fairfax County Board of Supervisors and the Fairfax County School Board
November 27, 2012
The document discusses Washington state's $9 billion budget shortfall from 2008-2009 due to declining revenues during the recession, how the shortfall was addressed through cuts to programs, use of federal stimulus funds, and fund transfers. It notes the state now faces a further $2 billion shortfall and that options to close it are limited due to constitutional and federal spending requirements, requiring narrow choices like further cuts to higher education, health care, and social services. Revenue is expected to continue lagging the economic recovery.
S.Y. Bancorp Inc. KBW 13th Annual Community Bank Investor Conference Presenta...Company Spotlight
S.Y. Bancorp is a bank holding company headquartered in Louisville, KY that trades on the NASDAQ under the symbol SYBT. It has over $2 billion in assets and provides banking services through its subsidiary, Stock Yards Bank & Trust, which operates 31 locations across Kentucky, Indiana, and Ohio. The presentation outlines SYBT's financial performance, business strategy, and growth opportunities. Key points include its conservative credit culture, significant fee income from wealth management, and potential for further expansion in its market areas.
The document provides an investor update for Bonterra Energy Corp for April 2012. It includes the following key points:
1) Guidance for 2012 including a $65 million capital development budget focused on drilling 33 wells, targeting production of 6,700-7,000 BOE per day and maintaining operating costs around $15 per BOE.
2) Highlights from 2011 including increasing dividends twice, drilling 26 successful wells, achieving record average daily production of 6,322 BOE/day and maintaining a reserve life index of 16.9 years.
3) Financial results for 2011 including $102 million in funds flow, a payout ratio of 58%, $97 million in cash flow from operations,
Averting A Fiscal Crisis: Why America needs comprehensive fiscal reform nowFix the Debt Campaign
The document discusses the growing fiscal challenges facing the United States due to rising budget deficits and debt levels. It notes that under current policies, deficits are projected to average 5% of GDP over the next decade, resulting in increasing debt levels that could crowd out private investment and cause economic problems. The document advocates for comprehensive fiscal reforms that cut wasteful spending, reform entitlement programs like health care and Social Security, and raise revenues in order to put the nation's finances on a sustainable long-term path.
Gartner confirms the 2008-09 financial crisis has triggered widespread adaptation of BPO and shared services by European countries and corporations. Presentation for the Shared Services and Outsourcing Exchange in Europe.
- JPMorgan Chase reported net income of $2.1 billion for Q1 2009, driven by record revenue in the investment bank but higher credit costs.
- The investment bank had its best quarter ever with net income of $1.6 billion on record revenue of $8.3 billion from strong fixed income and equity trading. However, markdowns on leveraged loans totaled $711 million.
- Retail banking profits grew 58% to $863 million due to higher deposits and fees from the Washington Mutual acquisition, while consumer lending lost $389 million due to increased loan losses.
AxoGen is a regenerative medicine company focused on commercializing products for peripheral nerve reconstruction. It has 46 employees and is headquartered in Alachua, FL. AxoGen's product portfolio includes Avance Nerve Graft for bridging nerve gaps up to 70mm, AxoGuard Nerve Connector and Protector. In Q2 2012, AxoGen achieved record revenues of $2.01 million, a 64% increase over Q2 2011, with gross profit margins of 75%. AxoGen aims to increase commercialization of its portfolio to address the over $1 billion market for peripheral nerve reconstruction.
Huntington Bancshares reported a net loss of $2.4 billion for Q1 2009 due to a non-cash $2.6 billion goodwill impairment charge that had no impact on capital ratios. Excluding this charge, core net income was $6.9 million. Deposit growth was strong at 9% and problem loans are expected to remain elevated. Actions to improve liquidity and capital included debt repayments, balance sheet reductions, and dividend cuts. The tangible common equity ratio increased 61 basis points to 4.65%.
The document provides financial results for 3Q09. Key highlights include:
- Net income of $3.6 billion and EPS of $0.82, with strong earnings in the Investment Bank.
- Credit costs remain high at $9.8 billion as consumer credit reserves were added.
- Capital levels were further strengthened with Tier 1 Common ratio of 8.2% and Tier 1 Capital ratio of 10.2%.
- Bank of America reported a net loss of $1 billion for Q3 2009, driven by $3 billion in pre-tax charges and a $402 million charge to terminate an asset guarantee.
- Capital levels and liquidity improved, with the Tier 1 capital ratio rising to 12.46% and cash/equivalents totaling over $152 billion.
- Deposit growth continued with average retail deposits up $7.8 billion, while mortgage banking income declined on lower production volumes.
- Credit costs remained elevated though losses showed signs of stabilizing, with nonperforming assets up 9% compared to 21% in Q2 2009.
SPX Corporation 4th Quarter and Full Year 2008 Results finance40
The document summarizes the Q4 2008 and full year 2008 results for a company with global infrastructure, process equipment, and diagnostic tools segments. Key highlights include 7% organic revenue growth and 21% adjusted EPS growth in Q4, and 6% organic revenue growth and 35% adjusted EPS growth for the full year. The company achieved these results through continued focus on its long-term strategy, disciplined capital allocation, and integration of acquisitions. Guidance for 2009 forecasts adjusted EPS of $5.40-$5.80 and free cash flow of $230-$270 million.
We sold our power generation subsidiary, Texas Genco, for $3.65 billion and received approval from the Public Utility Commission of Texas to recover a portion of our stranded costs. This allowed us to significantly reduce our debt and interest costs. Our core electric, gas, and pipeline businesses also reported higher operating incomes in 2004 from growth in customers and improved operational efficiencies. We are committed to providing shareholders a well-managed company focused on paying dividends and increasing shareholder value.
Time to Face the Music: TARP Update and the Fiscal CliffInside Analysis
Federal Spending Episode 14
Live Webcast on Dec. 12, 2012
The implementation of the Troubled Asset Relief Program (TARP) turned a lot of heads, not so much because the government was offering financial assistance, but because it did so at such an enormous scale. While opponents criticized the bailout for its enduring burden on taxpayers, supporters pointed to its necessity in order to keep the failing economy afloat. Now in its third year, many are left wondering: how successful has the program been and what unforeseen consequences emerged because of it?
Join host Eric Kavanagh for this episode of Federal Spending to hear former TARP regulator Amy Poster review the program’s successes and shortcomings. She will also discuss the looming “fiscal cliff” and what its implications could mean for the economy. She will be joined by Bloor Group Analyst and former operations manager Jessica Marie, who will shed light on TARP’s impact on small and mid-sized banks. Robin Bloor, Chief Analyst at The Bloor Group, will offer some perspective on the Federal Reserve's Quantitative Easing programs, and what impact they may have had on inflating the overall value of the stock market.
Visit: http://www.insideanalysis.com
Photo credits:
Svilen Milev www.efffective.com
Scott Liddell www.scottliddell.net
The document summarizes a rally held in support of Social Security. It provides details on the various speakers which included representatives from AgeOptions, Health & Medicine Center for Long-Term Care Reform, Senior Community Service Employment Program, Access Living, Illinois Alliance for Retired Americans, and the National Coalition to Strengthen Social Security. The speakers emphasized the importance of Social Security and shared personal stories of how Social Security benefits have helped them and their families. Congresswoman Jan Schakowsky also spoke about growing income inequality in the US and encouraged attendees to voice their support for Social Security to Senator Durbin. Over 150 people attended the rally, including various demographic groups who would be impacted.
Health & Medicine Policy Research Group hosted a forum, “Health Reform and the Health Care Safety Net: Challenges and Opportunities,” on July 9 to explore the potential impact of health reform on the health care safety net nationally and in Illinois specifically.
The forum explored challenges and opportunities presented by health reform in Illinois, and examined the impact on community health centers, safety net hospitals, the health workforce, and vulnerable populations. Speakers included
*Michael McRaith, Director, Illinois Department of Insurance
*Julie Hamos, Director, Illinois Department of Healthcare and Family Services
*Claudine Swartz, Assistant Vice President for Policy, National Association of Public Hospitals and Health Systems (NAPH)
*Bill Foley, CEO, Cook County Health & Hospitals System
*Philippe Largent, VP for Government Affairs, IL Primary Healthcare Association
*Linda Murray, Chief Medical Officer, Cook County Department of Public Health, President-Elect, APHA
*Roberta Rakove, Senior Vice President, Government Affairs, Sinai Health System
Health & Medicine Policy Research Group hosted a forum, “Health Reform and the Health Care Safety Net: Challenges and Opportunities,” on July 9 to explore the potential impact of health reform on the health care safety net nationally and in Illinois specifically.
The forum explored challenges and opportunities presented by health reform in Illinois, and examined the impact on community health centers, safety net hospitals, the health workforce, and vulnerable populations. Speakers included
*Michael McRaith, Director, Illinois Department of Insurance
*Julie Hamos, Director, Illinois Department of Healthcare and Family Services
*Claudine Swartz, Assistant Vice President for Policy, National Association of Public Hospitals and Health Systems (NAPH)
*Bill Foley, CEO, Cook County Health & Hospitals System
*Philippe Largent, VP for Government Affairs, IL Primary Healthcare Association
*Linda Murray, Chief Medical Officer, Cook County Department of Public Health, President-Elect, APHA
*Roberta Rakove, Senior Vice President, Government Affairs, Sinai Health System
Health & Medicine Policy Research Group hosted a forum, “Health Reform and the Health Care Safety Net: Challenges and Opportunities,” on July 9 to explore the potential impact of health reform on the health care safety net nationally and in Illinois specifically.
The forum explored challenges and opportunities presented by health reform in Illinois, and examined the impact on community health centers, safety net hospitals, the health workforce, and vulnerable populations. Speakers included
*Michael McRaith, Director, Illinois Department of Insurance
*Julie Hamos, Director, Illinois Department of Healthcare and Family Services
*Claudine Swartz, Assistant Vice President for Policy, National Association of Public Hospitals and Health Systems (NAPH)
*Bill Foley, CEO, Cook County Health & Hospitals System
*Philippe Largent, VP for Government Affairs, IL Primary Healthcare Association
*Linda Murray, Chief Medical Officer, Cook County Department of Public Health, President-Elect, APHA
*Roberta Rakove, Senior Vice President, Government Affairs, Sinai Health System
On June 14, 2010, Health & Medicine Policy Research group (HMPRG) hosted a forum, “The State’s Fiscal Crisis: Changing Our Collective Response.” With over 70 attendees, the forum explored the impact of the State’s budget and recent cuts on health and human services in Illinois. Participants heard from panel speakers about how we might collectively respond to the crisis and ensure responsible and adequate funding for education, health, and human services in Illinois. Materials from the forum can be found on the HMPRG website (www.hmprg.org)
On June 14, 2010, Health & Medicine Policy Research group (HMPRG) hosted a forum, “The State’s Fiscal Crisis: Changing Our Collective Response.” With over 70 attendees, the forum explored the impact of the State’s budget and recent cuts on health and human services in Illinois. Participants heard from panel speakers about how we might collectively respond to the crisis and ensure responsible and adequate funding for education, health, and human services in Illinois. Materials from the forum can be found on the HMPRG website (www.hmprg.org)
On June 14, 2010, Health & Medicine Policy Research group (HMPRG) hosted a forum, “The State’s Fiscal Crisis: Changing Our Collective Response.” With over 70 attendees, the forum explored the impact of the State’s budget and recent cuts on health and human services in Illinois. Participants heard from panel speakers about how we might collectively respond to the crisis and ensure responsible and adequate funding for education, health, and human services in Illinois. Materials from the forum can be found on the HMPRG website (www.hmprg.org)
This is a presentation prepared for The Chicago Partnershipon Public Health at the Chicago Department of Health, on November 20, 2009. HMPRG's Executive Director, Margie Schaps and Development Officer, Karin Pritikin were on a panel along with Gordon Mayer from Community Media Workshop and Christine Capaiuolo, freelance writer and social media consultant. The topic broadly addressed how NPOs and government agencies can/should use social media. HMPRG provided a case study about our recent launch into social media channels. The PowerPoint deconstructs the anatomy of our sites --what lives where and how it is accessed.
Presented at the Older HealthCare Workers Conference co-hosted by Health & Medicine Policy Research Group and the Great Lakes Centers for Occupational and Environmental Safety and Health (University of Illinois at Chicago, School of Public Health)
Presented at the Older HealthCare Workers Conference co-hosted by Health & Medicine Policy Research Group and the Great Lakes Centers for Occupational and Environmental Safety and Health (University of Illinois at Chicago, School of Public Health)
Presented at the Older HealthCare Workers Conference co-hosted by Health & Medicine Policy Research Group and the Great Lakes Centers for Occupational and Environmental Safety and Health (University of Illinois at Chicago, School of Public Health)
The Palmetto Project aims to put innovative ideas to work in South Carolina. It has established several initiatives to improve healthcare access and outcomes, including the South Carolina Immunization Partnership, Communicare, and AccessNET Provider Collaborative & Patient Navigator Network. These initiatives utilize partnerships, political techniques, community involvement, and care coordination to increase immunization rates, provide care to the uninsured, and improve outcomes for patients with chronic diseases. Data collection and management systems have also been implemented to facilitate coordination between providers.
Access DuPage provides comprehensive medical services to low-income and uninsured residents of DuPage County, Illinois through a collaboration of 225 organizations. They enroll eligible persons in the program, assign them to a medical home, and provide access to services across the healthcare continuum. In the current year, the program has served over 9,600 members and provides significant health benefits while maintaining a direct cost per member of $391.49, well below average insurance rates.
Panelist PPT. Presented at the Safety Net Summit, June 23, 2009, hosted by Health & Medicine Policy Research Group (HMPRG) and the U.S. Health Resources and Services Administration (HRSA)
This document outlines the process and goals of a regional health care safety net summit. It provides background on the initiative, including key terminology, assumptions, and demographic data of the region. It also summarizes ongoing efforts to strengthen the safety net and the Chicago Metropolitan Agency for Planning's GoTo 2040 plan, which includes recommendations to integrate health policy into regional planning. The document introduces preliminary recommendations that will be discussed at the summit to continue progressing the initiative.
PPT on Building Collaborative Partnerships for the the Regional Health Care Safety Net in Northeastern Illinois. Presented at the Safety Net Summit, June 23, 2009, hosted by Health & Medicine Policy Research Group (HMPRG) and the U.S. Health Resources and Services Administration (HRSA)
Panelist PPT. Presented at the Safety Net Summit, June 23, 2009, hosted by Health & Medicine Policy Research Group (HMPRG) and the U.S. Health Resources and Services Administration (HRSA)
Panelist PPT. Presented at the Safety Net Summit, June 23, 2009, hosted by Health & Medicine Policy Research Group (HMPRG) and the U.S. Health Resources and Services Administration (HRSA)
More from Health & Medicine Policy Research Group (19)
One health condition that is becoming more common day by day is diabetes.
According to research conducted by the National Family Health Survey of India, diabetic cases show a projection which might increase to 10.4% by 2030.
Our backs are like superheroes, holding us up and helping us move around. But sometimes, even superheroes can get hurt. That’s where slip discs come in.
Osteoporosis - Definition , Evaluation and Management .pdfJim Jacob Roy
Osteoporosis is an increasing cause of morbidity among the elderly.
In this document , a brief outline of osteoporosis is given , including the risk factors of osteoporosis fractures , the indications for testing bone mineral density and the management of osteoporosis
These lecture slides, by Dr Sidra Arshad, offer a quick overview of the physiological basis of a normal electrocardiogram.
Learning objectives:
1. Define an electrocardiogram (ECG) and electrocardiography
2. Describe how dipoles generated by the heart produce the waveforms of the ECG
3. Describe the components of a normal electrocardiogram of a typical bipolar lead (limb II)
4. Differentiate between intervals and segments
5. Enlist some common indications for obtaining an ECG
6. Describe the flow of current around the heart during the cardiac cycle
7. Discuss the placement and polarity of the leads of electrocardiograph
8. Describe the normal electrocardiograms recorded from the limb leads and explain the physiological basis of the different records that are obtained
9. Define mean electrical vector (axis) of the heart and give the normal range
10. Define the mean QRS vector
11. Describe the axes of leads (hexagonal reference system)
12. Comprehend the vectorial analysis of the normal ECG
13. Determine the mean electrical axis of the ventricular QRS and appreciate the mean axis deviation
14. Explain the concepts of current of injury, J point, and their significance
Study Resources:
1. Chapter 11, Guyton and Hall Textbook of Medical Physiology, 14th edition
2. Chapter 9, Human Physiology - From Cells to Systems, Lauralee Sherwood, 9th edition
3. Chapter 29, Ganong’s Review of Medical Physiology, 26th edition
4. Electrocardiogram, StatPearls - https://www.ncbi.nlm.nih.gov/books/NBK549803/
5. ECG in Medical Practice by ABM Abdullah, 4th edition
6. Chapter 3, Cardiology Explained, https://www.ncbi.nlm.nih.gov/books/NBK2214/
7. ECG Basics, http://www.nataliescasebook.com/tag/e-c-g-basics
These lecture slides, by Dr Sidra Arshad, offer a simplified look into the mechanisms involved in the regulation of respiration:
Learning objectives:
1. Describe the organisation of respiratory center
2. Describe the nervous control of inspiration and respiratory rhythm
3. Describe the functions of the dorsal and respiratory groups of neurons
4. Describe the influences of the Pneumotaxic and Apneustic centers
5. Explain the role of Hering-Breur inflation reflex in regulation of inspiration
6. Explain the role of central chemoreceptors in regulation of respiration
7. Explain the role of peripheral chemoreceptors in regulation of respiration
8. Explain the regulation of respiration during exercise
9. Integrate the respiratory regulatory mechanisms
10. Describe the Cheyne-Stokes breathing
Study Resources:
1. Chapter 42, Guyton and Hall Textbook of Medical Physiology, 14th edition
2. Chapter 36, Ganong’s Review of Medical Physiology, 26th edition
3. Chapter 13, Human Physiology by Lauralee Sherwood, 9th edition
TEST BANK For Community and Public Health Nursing: Evidence for Practice, 3rd...Donc Test
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Local Advanced Lung Cancer: Artificial Intelligence, Synergetics, Complex Sys...Oleg Kshivets
Overall life span (LS) was 1671.7±1721.6 days and cumulative 5YS reached 62.4%, 10 years – 50.4%, 20 years – 44.6%. 94 LCP lived more than 5 years without cancer (LS=2958.6±1723.6 days), 22 – more than 10 years (LS=5571±1841.8 days). 67 LCP died because of LC (LS=471.9±344 days). AT significantly improved 5YS (68% vs. 53.7%) (P=0.028 by log-rank test). Cox modeling displayed that 5YS of LCP significantly depended on: N0-N12, T3-4, blood cell circuit, cell ratio factors (ratio between cancer cells-CC and blood cells subpopulations), LC cell dynamics, recalcification time, heparin tolerance, prothrombin index, protein, AT, procedure type (P=0.000-0.031). Neural networks, genetic algorithm selection and bootstrap simulation revealed relationships between 5YS and N0-12 (rank=1), thrombocytes/CC (rank=2), segmented neutrophils/CC (3), eosinophils/CC (4), erythrocytes/CC (5), healthy cells/CC (6), lymphocytes/CC (7), stick neutrophils/CC (8), leucocytes/CC (9), monocytes/CC (10). Correct prediction of 5YS was 100% by neural networks computing (error=0.000; area under ROC curve=1.0).
Cell Therapy Expansion and Challenges in Autoimmune DiseaseHealth Advances
There is increasing confidence that cell therapies will soon play a role in the treatment of autoimmune disorders, but the extent of this impact remains to be seen. Early readouts on autologous CAR-Ts in lupus are encouraging, but manufacturing and cost limitations are likely to restrict access to highly refractory patients. Allogeneic CAR-Ts have the potential to broaden access to earlier lines of treatment due to their inherent cost benefits, however they will need to demonstrate comparable or improved efficacy to established modalities.
In addition to infrastructure and capacity constraints, CAR-Ts face a very different risk-benefit dynamic in autoimmune compared to oncology, highlighting the need for tolerable therapies with low adverse event risk. CAR-NK and Treg-based therapies are also being developed in certain autoimmune disorders and may demonstrate favorable safety profiles. Several novel non-cell therapies such as bispecific antibodies, nanobodies, and RNAi drugs, may also offer future alternative competitive solutions with variable value propositions.
Widespread adoption of cell therapies will not only require strong efficacy and safety data, but also adapted pricing and access strategies. At oncology-based price points, CAR-Ts are unlikely to achieve broad market access in autoimmune disorders, with eligible patient populations that are potentially orders of magnitude greater than the number of currently addressable cancer patients. Developers have made strides towards reducing cell therapy COGS while improving manufacturing efficiency, but payors will inevitably restrict access until more sustainable pricing is achieved.
Despite these headwinds, industry leaders and investors remain confident that cell therapies are poised to address significant unmet need in patients suffering from autoimmune disorders. However, the extent of this impact on the treatment landscape remains to be seen, as the industry rapidly approaches an inflection point.
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