This document provides financial information for SLM Corporation for the quarters ending March 31, 2007, December 31, 2006, and March 31, 2006. Some key details include:
- Net income for the quarters was $116 million, $18 million, and $152 million respectively.
- "Core Earnings" net income, which excludes certain items, was $251 million, $326 million, and $287 million respectively.
- Average managed student loans increased from $124.9 billion to $146.2 billion.
- Total assets increased from $97.8 billion to $126.9 billion over the period reported.
This document provides financial information for SLM Corporation for the quarter ending June 30, 2007 and comparisons to previous periods. Some key details include:
- Net income for the quarter was $966 million compared to $116 million in the previous quarter and $724 million in the same quarter last year.
- "Core earnings" which is a non-GAAP measure of profitability was $189 million for the quarter compared to $251 million in the previous quarter and $320 million in the same quarter last year.
- Average managed student loans for the quarter were $152.3 billion compared to $146.2 billion in the previous quarter and $128.4 billion in the same quarter last year.
This document provides quarterly and year-to-date financial information for SLM Corporation. Some key details:
- For Q3 2007, SLM reported a net loss of $344 million (GAAP), compared to net income of $966 million in Q2 2007 and $263 million in Q3 2006. Core earnings were $259 million in Q3 2007.
- Total assets increased to $150.8 billion in Q3 2007 from $132.8 billion in Q2 2007 and $107.1 billion in Q3 2006, driven largely by growth in student loan portfolios.
- Average managed student loans increased to $156.1 billion in Q3 2007 from $152.3
This document provides financial information for SLM Corporation for the quarters ending March 31, 2008, December 31, 2007 and March 31, 2007. Some key details include:
- For the quarter ending March 31, 2008, SLM Corporation reported a net loss of $104 million compared to a net loss of $1.6 billion for the quarter ending December 31, 2007 and net income of $116 million for the quarter ending March 31, 2007.
- "Core earnings" which excludes certain items, was a net income of $188 million for the quarter ending March 31, 2008, a net loss of $139 million for the quarter ending December 31, 2007 and a net income of $251 million for the quarter ending
This document provides financial information for SLM Corporation for quarters ending December 31, 2006, September 30, 2006, and December 31, 2005 and years ending December 31, 2006 and December 31, 2005. It includes selected financial information such as net income, earnings per share, and return on assets calculated on a GAAP and "Core Earnings" basis. It also provides details on average and ending loan balances, interest income and expense, net interest income, and provisions for losses.
The document is a supplemental earnings disclosure from SLM Corporation (Sallie Mae) for the quarter ending June 30, 2008. Some key details:
- For the quarter, Sallie Mae reported a GAAP net income of $266 million compared to a net loss of $104 million last quarter and net income of $966 million the same quarter last year.
- On a non-GAAP "Core Earnings" basis, Sallie Mae reported net income of $156 million for the quarter compared to $188 million last quarter and $189 million the same quarter last year.
- Average managed student loans for the quarter were $171.9 billion, up slightly from the previous quarter but
- SLM Corporation reported a net loss of $1.6 billion for the quarter ending December 31, 2007 compared to a net loss of $344 million for the previous quarter.
- "Core earnings", which excludes certain one-time items, was a loss of $139 million for the quarter ending December 31, 2007 compared to core earnings of $259 million for the previous quarter.
- Total assets increased to $155.6 billion as of December 31, 2007 from $150.8 billion as of September 30, 2007, driven largely by growth in the student loan portfolio.
This document provides financial information for SLM Corporation for the fourth quarter and full year of 2008. It shows that on a GAAP basis, SLM had a net loss of $216 million for Q4 2008 and $213 million for the full year. However, using a non-GAAP "Core Earnings" measure, SLM had net income of $65 million for Q4 2008 and $526 million for the full year. The document also provides information on SLM's loan portfolios, average loan balances, financial position, and key operating metrics.
Advance Auto Parts is the second largest aftermarket auto parts retailer in the US, with over 2,500 stores across 39 states, Puerto Rico, and the Virgin Islands. In 2003, their nearly 35,000 team members provided excellent customer service, building momentum for future growth. Advance aims to be "ready in advance" for customers' needs. Their expanding store network and growing sales demonstrate their success in meeting this goal.
This document provides financial information for SLM Corporation for the quarter ending June 30, 2007 and comparisons to previous periods. Some key details include:
- Net income for the quarter was $966 million compared to $116 million in the previous quarter and $724 million in the same quarter last year.
- "Core earnings" which is a non-GAAP measure of profitability was $189 million for the quarter compared to $251 million in the previous quarter and $320 million in the same quarter last year.
- Average managed student loans for the quarter were $152.3 billion compared to $146.2 billion in the previous quarter and $128.4 billion in the same quarter last year.
This document provides quarterly and year-to-date financial information for SLM Corporation. Some key details:
- For Q3 2007, SLM reported a net loss of $344 million (GAAP), compared to net income of $966 million in Q2 2007 and $263 million in Q3 2006. Core earnings were $259 million in Q3 2007.
- Total assets increased to $150.8 billion in Q3 2007 from $132.8 billion in Q2 2007 and $107.1 billion in Q3 2006, driven largely by growth in student loan portfolios.
- Average managed student loans increased to $156.1 billion in Q3 2007 from $152.3
This document provides financial information for SLM Corporation for the quarters ending March 31, 2008, December 31, 2007 and March 31, 2007. Some key details include:
- For the quarter ending March 31, 2008, SLM Corporation reported a net loss of $104 million compared to a net loss of $1.6 billion for the quarter ending December 31, 2007 and net income of $116 million for the quarter ending March 31, 2007.
- "Core earnings" which excludes certain items, was a net income of $188 million for the quarter ending March 31, 2008, a net loss of $139 million for the quarter ending December 31, 2007 and a net income of $251 million for the quarter ending
This document provides financial information for SLM Corporation for quarters ending December 31, 2006, September 30, 2006, and December 31, 2005 and years ending December 31, 2006 and December 31, 2005. It includes selected financial information such as net income, earnings per share, and return on assets calculated on a GAAP and "Core Earnings" basis. It also provides details on average and ending loan balances, interest income and expense, net interest income, and provisions for losses.
The document is a supplemental earnings disclosure from SLM Corporation (Sallie Mae) for the quarter ending June 30, 2008. Some key details:
- For the quarter, Sallie Mae reported a GAAP net income of $266 million compared to a net loss of $104 million last quarter and net income of $966 million the same quarter last year.
- On a non-GAAP "Core Earnings" basis, Sallie Mae reported net income of $156 million for the quarter compared to $188 million last quarter and $189 million the same quarter last year.
- Average managed student loans for the quarter were $171.9 billion, up slightly from the previous quarter but
- SLM Corporation reported a net loss of $1.6 billion for the quarter ending December 31, 2007 compared to a net loss of $344 million for the previous quarter.
- "Core earnings", which excludes certain one-time items, was a loss of $139 million for the quarter ending December 31, 2007 compared to core earnings of $259 million for the previous quarter.
- Total assets increased to $155.6 billion as of December 31, 2007 from $150.8 billion as of September 30, 2007, driven largely by growth in the student loan portfolio.
This document provides financial information for SLM Corporation for the fourth quarter and full year of 2008. It shows that on a GAAP basis, SLM had a net loss of $216 million for Q4 2008 and $213 million for the full year. However, using a non-GAAP "Core Earnings" measure, SLM had net income of $65 million for Q4 2008 and $526 million for the full year. The document also provides information on SLM's loan portfolios, average loan balances, financial position, and key operating metrics.
Advance Auto Parts is the second largest aftermarket auto parts retailer in the US, with over 2,500 stores across 39 states, Puerto Rico, and the Virgin Islands. In 2003, their nearly 35,000 team members provided excellent customer service, building momentum for future growth. Advance aims to be "ready in advance" for customers' needs. Their expanding store network and growing sales demonstrate their success in meeting this goal.
This document provides supplemental financial information for SLM Corporation for the first quarter of 2007. It includes key statements of income figures for the quarters ending March 31, 2007, December 31, 2006, and March 31, 2006. Net income for the quarter increased significantly from the previous quarter due to higher gains on student loan securitizations. The company's net income was also up compared to the same quarter last year, driven by growth in interest income from its student loan portfolios.
plains all american pipeline 2005 10-K part 2finance13
- The document provides financial and operating data for Plains All American Pipeline, L.P. for the years 2001-2005, including revenues, expenses, assets, liabilities, net income, cash flows, and common unit price and distribution information.
- It discusses that Plains All American's common units are publicly traded on the NYSE and provides unit price and distribution data for 2004-2005.
- It also summarizes Plains All American's cash distribution policy to unitholders and incentive distribution rights for its general partner.
This document provides financial information for SLM Corporation for quarters ending September 30, 2006, June 30, 2006, and September 30, 2005 and for the nine month periods ending September 30, 2006 and 2005. It includes key metrics like net income, earnings per share, return on assets, and amounts of student loans on and off the balance sheet. The document also provides explanatory notes on items reported on a GAAP and "Core Earnings" non-GAAP basis and the impact of adopting new accounting standards.
This annual report summarizes the financial statements and performance of China Youth Media, Inc. for the years ending December 31, 2008 and December 31, 2007. Some key details:
- Total assets increased from $911,444 in 2007 to $8,961,778 in 2008 primarily due to an increase in intangible assets.
- Total liabilities increased from $2,496,206 to $3,421,146 over the same period mainly due to increases in convertible notes payable and accrued liabilities.
- Revenue decreased from $592,365 in 2007 to $106,898 in 2008 while total operating expenses declined slightly. This resulted in an operating loss of $2,
This document is Southern Company's 2007 annual report. It discusses challenges facing the energy industry like rising demand and an aging workforce. Southern Company is meeting these challenges through investments in new generation capacity, transmission infrastructure, and energy efficiency programs. The annual report highlights how Southern Company reliably served record-breaking electricity demand during a major heat wave in 2007 while continuing to improve operational performance.
- HCA is one of the largest healthcare services companies in the US, operating 184 hospitals across 23 states, England, and Switzerland as of 2001.
- In 2001, HCA invested $1.4 billion in capital expenditures, with plans to invest $1.6 billion in 2002 and $1.8 billion in 2003 primarily to expand capacity, improve access, and upgrade infrastructure like emergency departments.
- Population growth in Sunbelt regions where many HCA hospitals operate is driving increased demand for healthcare services, along with new technologies and an aging population requiring more care.
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.
This document provides supplemental financial information for SLM Corporation for the fourth quarter of 2006. It includes statements of income for the fourth quarter of 2006, the third quarter of 2006, and the fourth quarter of 2005, as well as for the full years 2006 and 2005. It also summarizes certain income statement items that were separately disclosed in the Company's earnings press releases and conference calls for each period. Key figures include net income of $18 million for Q4 2006, $263 million for Q3 2006, and $431 million for Q4 2005. For full year 2006, net income was $1.16 billion compared to $1.38 billion for 2005.
- Qwest Communications International Inc. reported financial results for the three months and full year ended December 31, 2007.
- For the quarter, revenue decreased 1.5% to $3.435 billion while net income increased 88.7% to $366 million.
- For the full year, revenue decreased 1% to $13.778 billion while net income increased significantly to $2.917 billion.
The document summarizes BankAmerica Corporation's annual report for 1998. Some key points:
- Operating earnings were $6.49 billion in 1998, down from $6.81 billion in 1997, due to higher provision expenses and weaker trading revenues from market turbulence.
- The provision for credit losses was $2.92 billion in 1998, up from $1.90 billion in 1997, largely due to losses associated with the company's lending relationship with D.E. Shaw.
- Nonperforming assets were $2.76 billion, or 0.77% of net loans and leases at the end of 1998, up from $2.42 billion, or 0.71% a year earlier.
Danaher reported record results for the fourth quarter and full year of 2006. Net earnings for Q4 2006 increased 28.5% to $323.7 million compared to Q4 2005. For the full year, net earnings increased 25% to $1.122 billion compared to 2005. Sales for Q4 2006 increased 17.5% to $2.66 billion and increased 20% for the full year to $9.596 billion. Danaher also expanded its segment reporting to include Medical Technologies as its own segment.
Danaher Corporation reported record results for the fourth quarter and full year 2005. Net earnings for Q4 2005 increased 20% to $261.6 million compared to Q4 2004. For the full year, net earnings increased 21.5% to $907.7 million compared to 2004. Sales for Q4 2005 increased 14.5% and sales for 2005 increased 16% compared to the prior year. The company's president stated that the record performance throughout 2005 and strong fourth quarter give them confidence for continued excellent results in 2006.
plains all american pipeline 2006 10-K part2finance13
This document provides an overview of Plains All American Pipeline, L.P.'s financial performance and operations for the year ended December 31, 2006. It discusses the company's three business segments: transportation, facilities, and marketing. The transportation segment generates revenue from tariffs and fees for transporting crude oil and refined products via pipelines. The facilities segment provides storage and processing services for crude oil, refined products and LPG, generating revenue from leases and processing arrangements. The marketing segment purchases and sells crude oil and LPG. The company grew substantially in 2006 through acquisitions, especially in facilities with the Pacific acquisition, leading it to reorganize its reporting segments.
Danaher Corporation reported financial results for Q4 and full year 2008. Q4 net earnings were $305.7 million compared to $320.2 million in Q4 2007. For the full year, net earnings were $1.3 billion compared to $1.37 billion in 2007. Sales increased 1% in Q4 to $3.18 billion and increased 15% for the full year to $12.7 billion. The CEO stated that while 2009 will be difficult, Danaher's portfolio of businesses and strong balance sheet will allow it to outperform in a challenging market.
- GAAP earnings for 2007 were $577 million, or $1.35 per diluted share, compared to $572 million, or $1.36 per diluted share in 2006. Ongoing earnings were $1.43 per diluted share for 2007 compared to $1.30 in 2006.
- Higher 2007 ongoing earnings were attributed to higher electric and gas margins from rate increases and sales growth, partially offset by higher operating expenses and financing costs.
- The company reaffirmed 2008 earnings guidance of $1.45 to $1.55 per diluted share.
This document provides a summary of Washington Federal's (WAFD) fiscal year 2012 results and financial position as of September 30, 2012.
Key points include:
- Significant improvement in asset quality and reduced credit costs
- Margin pressure due to asset repricing
- Two small acquisitions completed
- 24% increase in net income
- Balance sheet restructuring of wholesale borrowings and investments
- Improved capital ratios providing flexibility for future growth
- Over half of earnings returned to shareholders through dividends and share repurchases
The TJX Companies reported fiscal year 1999 results with the following highlights:
- Net sales increased to $7.9 billion, up 8% from the previous year. Net income increased to $424 million.
- The off-price family apparel stores segment achieved operating income of $783 million, up 32% from the prior year, and accounted for over 98% of total sales.
- The off-price home fashion stores segment had an operating loss of $5 million compared to an $9 million loss in the previous year.
- Identifiable assets for the off-price family apparel stores totaled $2.1 billion, representing over 75% of consolidated assets. Capital expenditures
This document is KBR's 2007 Annual Report. It discusses KBR's transition to becoming an independent company after separating from Halliburton and positioning itself for growth across broader markets. It summarizes KBR's performance in 2007, including record financial results and growth in backlog from energy and chemicals customers. It also provides an overview of KBR's six business units and their strategies for future growth in their respective markets.
This document summarizes Dana Holding Corporation's second quarter 2008 conference call that took place on August 7, 2008. The presentation discusses Dana's financial results for the second quarter of 2008, including lower profits impacted by rising steel costs and lower North American production volumes. It also provides updates on Dana's response plans to address issues in its North American operations and cost reductions. Key priorities discussed include offsetting steel costs, rightsizing North American automotive operations, and executing the strategic plan.
Terex Corporation is a global manufacturer of equipment for construction and other industries. In 2007, Terex achieved net income of $614 million on $9.1 billion in net sales, up 55% and 19% respectively from 2006. The company is committed to achieving $12 billion in net sales with a 12% operating margin by 2010. Terex aims to be the most customer responsive, profitable, and best place to work in the industry through commitments to continuous improvement, safety, diversity, and financial performance.
dana holdings CC934DB3-89EA-454B-A087-C075C5972F55_AANYPres_011409finance42
Dana Holding Corporation presented at the Automotive Analysts' Society of New York Detroit Auto Conference on January 14, 2009. The presentation focused on Dana's key priorities in 2008, which included rebuilding the management team, jump-starting global operations, addressing strategic issues, and improving financial performance. Dana also discussed its actions to reduce costs through job cuts, plant closures, and supply chain improvements. Looking ahead, Dana will evaluate certain business units for strategic fit and focus on capturing pricing actions to boost margins.
This document provides supplemental financial information for SLM Corporation for the first quarter of 2007. It includes key statements of income figures for the quarters ending March 31, 2007, December 31, 2006, and March 31, 2006. Net income for the quarter increased significantly from the previous quarter due to higher gains on student loan securitizations. The company's net income was also up compared to the same quarter last year, driven by growth in interest income from its student loan portfolios.
plains all american pipeline 2005 10-K part 2finance13
- The document provides financial and operating data for Plains All American Pipeline, L.P. for the years 2001-2005, including revenues, expenses, assets, liabilities, net income, cash flows, and common unit price and distribution information.
- It discusses that Plains All American's common units are publicly traded on the NYSE and provides unit price and distribution data for 2004-2005.
- It also summarizes Plains All American's cash distribution policy to unitholders and incentive distribution rights for its general partner.
This document provides financial information for SLM Corporation for quarters ending September 30, 2006, June 30, 2006, and September 30, 2005 and for the nine month periods ending September 30, 2006 and 2005. It includes key metrics like net income, earnings per share, return on assets, and amounts of student loans on and off the balance sheet. The document also provides explanatory notes on items reported on a GAAP and "Core Earnings" non-GAAP basis and the impact of adopting new accounting standards.
This annual report summarizes the financial statements and performance of China Youth Media, Inc. for the years ending December 31, 2008 and December 31, 2007. Some key details:
- Total assets increased from $911,444 in 2007 to $8,961,778 in 2008 primarily due to an increase in intangible assets.
- Total liabilities increased from $2,496,206 to $3,421,146 over the same period mainly due to increases in convertible notes payable and accrued liabilities.
- Revenue decreased from $592,365 in 2007 to $106,898 in 2008 while total operating expenses declined slightly. This resulted in an operating loss of $2,
This document is Southern Company's 2007 annual report. It discusses challenges facing the energy industry like rising demand and an aging workforce. Southern Company is meeting these challenges through investments in new generation capacity, transmission infrastructure, and energy efficiency programs. The annual report highlights how Southern Company reliably served record-breaking electricity demand during a major heat wave in 2007 while continuing to improve operational performance.
- HCA is one of the largest healthcare services companies in the US, operating 184 hospitals across 23 states, England, and Switzerland as of 2001.
- In 2001, HCA invested $1.4 billion in capital expenditures, with plans to invest $1.6 billion in 2002 and $1.8 billion in 2003 primarily to expand capacity, improve access, and upgrade infrastructure like emergency departments.
- Population growth in Sunbelt regions where many HCA hospitals operate is driving increased demand for healthcare services, along with new technologies and an aging population requiring more care.
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.
This document provides supplemental financial information for SLM Corporation for the fourth quarter of 2006. It includes statements of income for the fourth quarter of 2006, the third quarter of 2006, and the fourth quarter of 2005, as well as for the full years 2006 and 2005. It also summarizes certain income statement items that were separately disclosed in the Company's earnings press releases and conference calls for each period. Key figures include net income of $18 million for Q4 2006, $263 million for Q3 2006, and $431 million for Q4 2005. For full year 2006, net income was $1.16 billion compared to $1.38 billion for 2005.
- Qwest Communications International Inc. reported financial results for the three months and full year ended December 31, 2007.
- For the quarter, revenue decreased 1.5% to $3.435 billion while net income increased 88.7% to $366 million.
- For the full year, revenue decreased 1% to $13.778 billion while net income increased significantly to $2.917 billion.
The document summarizes BankAmerica Corporation's annual report for 1998. Some key points:
- Operating earnings were $6.49 billion in 1998, down from $6.81 billion in 1997, due to higher provision expenses and weaker trading revenues from market turbulence.
- The provision for credit losses was $2.92 billion in 1998, up from $1.90 billion in 1997, largely due to losses associated with the company's lending relationship with D.E. Shaw.
- Nonperforming assets were $2.76 billion, or 0.77% of net loans and leases at the end of 1998, up from $2.42 billion, or 0.71% a year earlier.
Danaher reported record results for the fourth quarter and full year of 2006. Net earnings for Q4 2006 increased 28.5% to $323.7 million compared to Q4 2005. For the full year, net earnings increased 25% to $1.122 billion compared to 2005. Sales for Q4 2006 increased 17.5% to $2.66 billion and increased 20% for the full year to $9.596 billion. Danaher also expanded its segment reporting to include Medical Technologies as its own segment.
Danaher Corporation reported record results for the fourth quarter and full year 2005. Net earnings for Q4 2005 increased 20% to $261.6 million compared to Q4 2004. For the full year, net earnings increased 21.5% to $907.7 million compared to 2004. Sales for Q4 2005 increased 14.5% and sales for 2005 increased 16% compared to the prior year. The company's president stated that the record performance throughout 2005 and strong fourth quarter give them confidence for continued excellent results in 2006.
plains all american pipeline 2006 10-K part2finance13
This document provides an overview of Plains All American Pipeline, L.P.'s financial performance and operations for the year ended December 31, 2006. It discusses the company's three business segments: transportation, facilities, and marketing. The transportation segment generates revenue from tariffs and fees for transporting crude oil and refined products via pipelines. The facilities segment provides storage and processing services for crude oil, refined products and LPG, generating revenue from leases and processing arrangements. The marketing segment purchases and sells crude oil and LPG. The company grew substantially in 2006 through acquisitions, especially in facilities with the Pacific acquisition, leading it to reorganize its reporting segments.
Danaher Corporation reported financial results for Q4 and full year 2008. Q4 net earnings were $305.7 million compared to $320.2 million in Q4 2007. For the full year, net earnings were $1.3 billion compared to $1.37 billion in 2007. Sales increased 1% in Q4 to $3.18 billion and increased 15% for the full year to $12.7 billion. The CEO stated that while 2009 will be difficult, Danaher's portfolio of businesses and strong balance sheet will allow it to outperform in a challenging market.
- GAAP earnings for 2007 were $577 million, or $1.35 per diluted share, compared to $572 million, or $1.36 per diluted share in 2006. Ongoing earnings were $1.43 per diluted share for 2007 compared to $1.30 in 2006.
- Higher 2007 ongoing earnings were attributed to higher electric and gas margins from rate increases and sales growth, partially offset by higher operating expenses and financing costs.
- The company reaffirmed 2008 earnings guidance of $1.45 to $1.55 per diluted share.
This document provides a summary of Washington Federal's (WAFD) fiscal year 2012 results and financial position as of September 30, 2012.
Key points include:
- Significant improvement in asset quality and reduced credit costs
- Margin pressure due to asset repricing
- Two small acquisitions completed
- 24% increase in net income
- Balance sheet restructuring of wholesale borrowings and investments
- Improved capital ratios providing flexibility for future growth
- Over half of earnings returned to shareholders through dividends and share repurchases
The TJX Companies reported fiscal year 1999 results with the following highlights:
- Net sales increased to $7.9 billion, up 8% from the previous year. Net income increased to $424 million.
- The off-price family apparel stores segment achieved operating income of $783 million, up 32% from the prior year, and accounted for over 98% of total sales.
- The off-price home fashion stores segment had an operating loss of $5 million compared to an $9 million loss in the previous year.
- Identifiable assets for the off-price family apparel stores totaled $2.1 billion, representing over 75% of consolidated assets. Capital expenditures
This document is KBR's 2007 Annual Report. It discusses KBR's transition to becoming an independent company after separating from Halliburton and positioning itself for growth across broader markets. It summarizes KBR's performance in 2007, including record financial results and growth in backlog from energy and chemicals customers. It also provides an overview of KBR's six business units and their strategies for future growth in their respective markets.
This document summarizes Dana Holding Corporation's second quarter 2008 conference call that took place on August 7, 2008. The presentation discusses Dana's financial results for the second quarter of 2008, including lower profits impacted by rising steel costs and lower North American production volumes. It also provides updates on Dana's response plans to address issues in its North American operations and cost reductions. Key priorities discussed include offsetting steel costs, rightsizing North American automotive operations, and executing the strategic plan.
Terex Corporation is a global manufacturer of equipment for construction and other industries. In 2007, Terex achieved net income of $614 million on $9.1 billion in net sales, up 55% and 19% respectively from 2006. The company is committed to achieving $12 billion in net sales with a 12% operating margin by 2010. Terex aims to be the most customer responsive, profitable, and best place to work in the industry through commitments to continuous improvement, safety, diversity, and financial performance.
dana holdings CC934DB3-89EA-454B-A087-C075C5972F55_AANYPres_011409finance42
Dana Holding Corporation presented at the Automotive Analysts' Society of New York Detroit Auto Conference on January 14, 2009. The presentation focused on Dana's key priorities in 2008, which included rebuilding the management team, jump-starting global operations, addressing strategic issues, and improving financial performance. Dana also discussed its actions to reduce costs through job cuts, plant closures, and supply chain improvements. Looking ahead, Dana will evaluate certain business units for strategic fit and focus on capturing pricing actions to boost margins.
The document is a proxy statement for the annual shareholder meeting of SLM Corporation (Sallie Mae) to be held on May 17, 2007. It provides details on voting matters including the election of 14 directors, ratification of the independent accounting firm, and other business. Shareholders are invited to attend and vote on these important matters concerning the company.
The document outlines standards of business conduct for members of the Dana Holding Corporation board of directors. It discusses avoiding conflicts of interest, maintaining confidentiality, complying with laws and regulations, and encouraging ethical behavior. Directors must disclose any situations that may involve conflicts of interest with the company. They are also prohibited from taking corporate opportunities for personal benefit and must maintain the confidentiality of company information.
dana holdings AuditCommitteeCharter_013108finance42
The Audit Committee Charter establishes the purpose, composition, and duties of Dana Holding Corporation's Audit Committee. The Audit Committee is responsible for overseeing the company's financial reporting and audit process. It is tasked with retaining independent auditors, overseeing their work, and reviewing Dana Holding's financial statements, disclosure controls and procedures, and risk management practices. The Committee is also responsible for establishing procedures for complaints regarding financial reporting or accounting policies.
- KBR announced their fourth quarter and full year 2007 financial results, reporting $71 million in net income and $0.42 earnings per share for Q4 2007, and $302 million net income and $1.79 earnings per share for full year 2007.
- Revenue increased 4.3% in Q4 2007 compared to Q4 2006 but several business units saw decreased income, largely due to a $22 million charge for potentially disallowable government contract costs.
- For the full year, income from continuing operations increased significantly to $182 million compared to $54 million in 2006, though this included tax benefits from discontinued operations.
This document is a quarterly report filed with the SEC by Tenet Healthcare Corporation for the quarter ended March 31, 2003. It includes condensed consolidated financial statements and notes. Key details include: Tenet reported a net loss of $20 million for the quarter compared to net income of $278 million in the prior year quarter. It also announced a plan to dispose of 14 hospitals that no longer fit its core strategy. An impairment charge of $61 million was recorded related to assets held for sale for these hospitals. Restructuring charges of $9 million were incurred related to plans to reduce operating expenses.
dana holdings StandardsofBusiness_english_F_01_08finance42
The document provides Dana's Standards of Business Conduct. It states that Dana is committed to conducting business legally, ethically and with integrity. It outlines expectations for employees to comply with laws and company policies, promote a safe workplace, protect the environment, assure product quality and safety, avoid conflicts of interest, and maintain accurate records. The standards apply globally to Dana and its partners. Employees are responsible for understanding and following the standards and can report any issues or concerns.
This document is a SEC Form 10-K filing for USA Education, Inc. summarizing the company's business for the fiscal year ended December 31, 2000. USA Education is the largest private source of funding and servicing support for higher education loans in the US, with a managed portfolio of $64.5 billion in federally insured student loans. The filing provides an overview of the company's operations, products and services, the student loan industry it operates in, and regulatory factors. It discloses that the company's income is primarily derived from interest earnings on its student loan portfolio but that it anticipates fee income from recently acquired loan servicing and guarantee operations will become an increasingly larger portion of revenues.
This document is SLM Corporation's annual report on Form 10-K filed with the SEC for the fiscal year ended December 31, 2005. It provides an overview of SLM Corporation's business, including that it operates the Sallie Mae student loan business and services federal student loans. It also lists risks to SLM's business from changes to the student loan industry and market conditions. In addition, the document defines various terms used throughout the report related to federal student loans and SLM's business.
1) SLM Corporation will change its name from USA Education, Inc. effective May 17, 2002 to align with its stock ticker symbol of SLM.
2) In 2001, Sallie Mae surpassed $70 billion in managed student loans, originated over $10 billion in new student loans, and grew core cash basis earnings per share by 28%, exceeding its 15% long-term target.
3) Looking ahead, Sallie Mae aims to take advantage of opportunities from the Higher Education Act reauthorization and its accelerated transition to a private company to further strengthen its business and the student loan system.
Tenet Healthcare Corporation reported financial results for the fourth quarter of 2008 with some improvements but also challenges. Same-hospital adjusted EBITDA grew 27.2% year-over-year to $201 million. Paying admissions grew 0.1% while total admissions declined 0.2%. Surgeries grew 2.1% led by a 3.7% increase in outpatient surgeries. For 2009, Tenet expects adjusted EBITDA in the range of $735-800 million but anticipates pressure on bad debt and commercial volumes.
- KBR is a leading global engineering and construction company with over $13 billion in backlog and operations in over 45 countries.
- The presentation discusses KBR's business units and strategic growth opportunities in each, including leveraging LNG expertise, expanding government services, and investing in new technologies.
- KBR aims to be the preferred contractor through best-in-class risk management and execution capabilities. Financial performance is improving with growing backlog and recurring business unit income.
dana holdings RelatedPartyTransactionsPolicy_013108finance42
This document outlines Dana Holding Corporation's policy for related-party transactions. It defines key terms like "interested transaction" and "related party". It establishes procedures for approving interested transactions that involve related parties, including prior notice and Committee review/approval. It provides for standing pre-approval of certain common interested transactions like executive compensation and transactions below $120,000 with other companies where a related party has a non-controlling interest.
The document is a notice for the annual meeting of shareholders of SLM Corporation to be held on May 13, 2004. It provides details about the meeting such as time, location, items of business to be voted on including electing directors, adopting an incentive plan, and appointing auditors. It encourages shareholders to vote and informs them that they can do so by mail, phone or online if they were a shareholder as of the March 15, 2004 record date.
This document is Tenet Healthcare Corporation's Form 10-Q filing for the quarterly period ended March 31, 2004. It includes condensed consolidated financial statements and notes. The financial statements show a net loss of $122 million for the quarter, compared to a net loss of $20 million in the prior year period. Revenues decreased slightly to $2.669 billion for the quarter. Tenet also announced plans to divest 27 domestic hospitals and one hospital in Spain to focus resources on its remaining core hospitals and strengthen its financial position.
- SLM Corporation reported a net loss of $159 million for the quarter ended September 30, 2008 compared to net income of $266 million for the previous quarter and a net loss of $344 million for the same quarter last year.
- "Core earnings", which excludes certain one-time items, were $117 million for the quarter compared to $156 million for the previous quarter and $259 million for the same quarter last year.
- Total assets increased slightly to $165 billion from $164 billion at the end of the previous quarter.
Advance Auto Parts experienced strong growth in 2003, building momentum across key metrics. With over 2,500 stores in 39 states, Puerto Rico and the Virgin Islands, the company served over 200 million customers in 2003. Same store sales grew 3.1% as initiatives like expanded private brands and improved supply chain efficiencies increased the number of customers and average transaction size. Operating margins increased to 8.3% of sales, up from 7.2% the prior year. Earnings per share also grew substantially.
- Crown Holdings, Inc. is a packaging company that experienced strong financial results in 2007, with net sales increasing 10.7% to $7.7 billion and income from continuing operations growing 554.4% to $528 million.
- The company focuses on sustainable rigid metal packaging for beverages, food, personal care and household products globally. It saw organic volume growth in international beverage cans.
- Crown Holdings invested in new production facilities in regions with fast growing demand, such as the Middle East, Europe, Vietnam, Cambodia and Brazil, and expects continued momentum in 2008 with additional new capacity planned or under construction.
- Crown Holdings, Inc. is a packaging company that experienced strong financial results in 2007, with net sales increasing 10.7% to $7.7 billion and income from continuing operations growing 554.4% to $528 million.
- The company focuses on sustainable rigid metal packaging for beverages, food, personal care and household products globally. It saw organic volume growth in international beverage cans.
- Crown Holdings invested in new production facilities in regions with fast growing demand, such as the Middle East, Europe, Vietnam, Cambodia and Brazil, and expects continued momentum in 2008 with additional new capacity planned or under construction.
- Crown Holdings, Inc. is a packaging company that experienced strong financial results in 2007, with net sales increasing 10.7% to $7.7 billion and income from continuing operations growing 554.4% to $528 million.
- The company focuses on sustainable rigid metal packaging for beverages, food, personal care and household products globally. It saw organic volume growth in international beverage cans.
- Crown Holdings invested in new production facilities in regions with fast growing demand, such as the Middle East, Europe, Vietnam, Cambodia and Brazil, and expects continued momentum in 2008.
- Crown Holdings, Inc. is a packaging company that experienced strong financial results in 2007, with net sales increasing 10.7% to $7.7 billion and income from continuing operations growing 554.4% to $528 million.
- The company focuses on sustainable rigid metal packaging and has operations in the Americas, Europe, and Asia-Pacific regions.
- For 2008, Crown Holdings expects continued momentum as demand remains strong and recently added production capacity in various regions comes online.
The Crown Holdings 2004 Annual Report provides financial highlights and a letter to shareholders from the CEO. Key details include:
- Net sales grew 8.6% to $7.2 billion in 2004, with segment income up 31.3% and net income of $51 million compared to a net loss in 2003.
- Free cash flow was $266 million in 2004, down from $314 million in 2003 but supporting ongoing debt reduction.
- All operating divisions saw sales, segment income, and margin growth in 2004 despite currency impacts.
- Research and development efforts continued to bring new products to market.
- 2004 marked the conclusion of an initial turnaround phase with ongoing progress expected in 2005.
The 2004 annual report of Crown Holdings, Inc. provides financial highlights and a letter to shareholders. Key details include:
- Net sales grew 8.6% to $7.2 billion in 2004, with segment income up 31.3% and net income of $51 million compared to a loss of $32 million in 2003.
- Free cash flow was $266 million in 2004, down from $314 million in 2003 but supporting debt reduction.
- All operating divisions saw sales, segment income, and margin growth in 2004 both with and without currency effects.
- Research and development led to numerous new product innovations helping drive further business improvements.
- The report outlines goals to continue strengthening operations and pursuing growth opportunities
The 2004 Annual Report of Crown Holdings, Inc. provides key financial highlights and information about the company. Net sales increased 8.6% to $7.2 billion in 2004. Segment income, a measure of operational performance, grew 31.3% to $537 million. Net income was $51 million compared to a net loss of $32 million in 2003. The company invites shareholders to attend its annual meeting on April 28, 2005 to review the annual report, financial statements, and vote on shareholder proposals.
The 2004 annual report of Crown Holdings, Inc. provides financial highlights for the year including an 8.6% increase in net sales to $7.2 billion and a 31.3% increase in segment income to $537 million. The report notes continued progress in line with the company's turnaround plan established in 2001 including a $266 million free cash flow. Each of the company's divisions saw sales, segment income, and margin growth for the year. The report discusses new product innovations and growth opportunities in emerging markets that position the company for further advances in 2005.
This document is the 2003 annual report financials for an unnamed company. It includes selected financial data from 1999-2003, including metrics like net revenue, income/loss from continuing operations, and income/loss per share. It also lists consolidated statement of operations data and consolidated balance sheet data for the same years. The financial data shows declining net revenue and losses from continuing operations in recent years. Notes provide additional context for restructuring charges and other factors impacting the yearly results.
This document provides condensed financial statements for Qwest Communications International Inc. as of June 30, 2008. It includes statements of operations, balance sheets, and cash flows. For the six months ended June 30, 2008, Qwest reported total operating revenues of $3,382 million and net income of $188 million. Total assets as of June 30, 2008 were $21,894 million, with total liabilities of $21,391 million resulting in total stockholders' equity of $503 million. For the six months ended June 30, 2008, cash provided by operating activities was $1,297 million and cash used for investing activities, primarily capital expenditures, was $950 million.
This document contains condensed consolidated financial statements and notes for Qwest Communications International Inc. for quarters ending March 31, 2005 through September 30, 2007. Some key details include:
- Operating revenue ranged from $3.4 to $3.5 billion per quarter while operating expenses ranged from $3.1 to $3.3 billion per quarter.
- Net income/loss fluctuated each quarter from a loss of $528 million in Q4 2005 to a gain of $2.065 billion in Q3 2007.
- Total assets ranged from $21.1 to $24.1 billion while total liabilities ranged from $24.1 to $26.7 billion.
This document contains condensed consolidated financial statements for Qwest Communications International Inc. as of September 30, 2008. It includes statements of operations, balance sheets, and cash flows for quarterly and annual periods between 2006 and 2008. The statements show that in 2007 Qwest reported a net income of $2.9 billion compared to $593 million in 2006, driven largely by a one-time $2.1 billion tax benefit recognized in the third quarter of 2007. Total operating revenues have remained relatively steady between $13-14 billion annually over this period.
This document is Agilent Technologies' 2004 annual report. It includes the company's consolidated financial statements and notes for 2004. Key information includes:
- Revenue for 2004 was $7.18 billion, up 18% from 2003.
- Net income for 2004 was $349 million, an improvement from a $2.06 billion loss in 2003.
- Orders grew 15% in 2004, driven by strength in aerospace/defense, consumer electronics, and Asian handset markets, though orders declined in the second half of the year.
- The report provides financial data and analysis of Agilent's performance and business conditions in its key markets over the past five years.
SLM Corporation reported its financial results for the second quarter of 2006. Net interest income decreased from the prior quarter due to higher interest expenses. However, net income increased significantly due to a large gain from student loan securitizations. Overall, net income for the first half of 2006 was higher than the same period in 2005, driven by growth in interest income from student loans and gains on securitizations.
The document is Crown Holdings' 2006 annual report. It includes:
1) An invitation for shareholders to attend Crown's annual meeting on April 26, 2007 to vote on proposals.
2) Financial highlights showing Crown's 2006 sales increased 4.6% over 2005 while income from continuing operations increased significantly.
3) A letter from the CEO stating Crown achieved solid results in 2006 despite challenges, and is well positioned for continued success and growth in 2007.
The document is Crown Holdings' 2006 annual report. It includes:
1) An invitation for shareholders to attend Crown's annual meeting on April 26, 2007.
2) Financial highlights showing Crown's 2006 sales increased 4.6% over 2005 while income from continuing operations increased significantly.
3) A letter from the CEO stating Crown achieved solid results in 2006 despite challenges, and is well positioned for continued success and growth in 2007.
The document is Crown Holdings' 2006 annual report. It includes:
1) An invitation for shareholders to attend Crown's annual meeting on April 26, 2007.
2) Financial highlights showing Crown's 2006 sales increased 4.6% over 2005 while income from continuing operations increased significantly.
3) A letter from the CEO stating Crown achieved solid results in 2006 despite challenges, and is well positioned for continued success and growth in 2007.
- Crown Holdings is inviting shareholders to attend its annual meeting on April 26, 2007 to review the 2006 Annual Report.
- In 2006, Crown Holdings saw a 4.6% increase in net sales to $6.982 billion. Income from continuing operations was $342 million compared to a loss of $320 million in 2005.
- The company faced challenges from increased commodity prices and lost beverage can volume in North America but overcame these issues, positioned itself well for 2007, and achieved overall positive results for 2006.
Similar to SuppEarnDiscQtr107W33652A_2155_N_991_1 (20)
SAIC's employees are dedicated to delivering innovative solutions to support clients worldwide, particularly those on the front lines of homeland security and the war in Iraq. The document discusses several ways SAIC supports homeland security, including through emergency preparedness and response training, securing borders and transportation, and responding to nuclear, biological, and chemical threats. SAIC has extensive experience supporting government agencies and was chosen to integrate the new Department of Homeland Security's data network.
This document provides a 3-page annual report for SAIC, a technology and engineering company, for their 35th anniversary in 2004. It summarizes SAIC's history and accomplishments over 35 years, including helping analyze nuclear weapons, undertaking projects in nuclear energy and healthcare, and solving difficult problems for customers in many fields. It discusses SAIC's continued commitment to employee ownership and customer focus. The message to stockholders outlines SAIC's strategies under new CEO Ken Dahlberg to better serve customers, recommit to traditional values, and drive continued growth, including reorganizing into fewer customer-focused units and setting a goal to double the company's value in 5 years.
SAIC delivered strong financial and technical performance in fiscal year 2005. Revenues increased 23% to $7.2 billion and operating income rose 24%. SAIC won many new contracts and saw record contract awards and backlog. Going forward, SAIC aims to capture larger systems integration contracts while maintaining an entrepreneurial culture and pursuing new opportunities in areas like digital oilfield technology. SAIC also seeks to strengthen workforce diversity and development.
The document is SAIC's annual report for fiscal year 2006. It summarizes SAIC's financial performance for the year, highlighting increased revenues of $7.8 billion, net income of $927 million, and diluted earnings per share of $5.15. It also outlines SAIC's strategic business areas of homeland security, intelligence solutions, defense transformation, logistics and transportation, systems engineering and integration, and research and development. The report discusses SAIC's response to hurricanes Katrina and Rita and its commitment to customers, employees, and shareholders.
SAIC provides technical solutions and operational support to government agencies and commercial customers in key areas such as homeland security, intelligence, defense, logistics, and IT. In fiscal year 2007, SAIC achieved revenue growth of 7% and operating income growth of 19% while making strategic acquisitions to expand capabilities. SAIC is committed to executing strategies to accelerate organic growth, expand operating margins, and make additional strategic acquisitions.
1) SAIC achieved strong financial results in FY2008, with revenues of $8.94 billion, up 11% from FY2007, and operating income of $666 million, up 16% from the previous year.
2) SAIC completed strategic acquisitions to expand in energy, infrastructure, and environment areas and appointed a new COO, Larry Prior, to lead organizational transition efforts.
3) Project Alignment is a major multi-year initiative to improve performance by integrating HR, finance, IT and other functions into a shared services model across the company.
The document provides an overview of Terex Corporation for a May 2008 investor conference. It discusses Terex's purpose, mission, and vision. It summarizes Terex's sales, operating profit, and geographic diversity for 2007. It also outlines goals to achieve $12 billion in sales and 12% operating margin by 2010. Finally, it discusses opportunities to improve margins through pricing actions, supply management, productivity initiatives, and The Terex Way values.
The document provides an overview of Terex Corporation and its business segments for an investor conference. It summarizes that Terex has a diversified portfolio across industries and geographies that provides balance through economic cycles. It also outlines opportunities to improve margins through pricing actions, supply management initiatives, and productivity improvements. The goal is to achieve $12 billion in sales and a 12% operating margin by 2010.
The document provides an overview of Terex Corporation for a Merrill Lynch conference. It discusses Terex's purpose, mission, and vision. It also summarizes Terex's diversified business segments and product lines, with aerial work platforms, construction equipment, cranes, material processing and mining equipment being the largest segments. The document outlines Terex's goals for 2010 of achieving $12 billion in sales and 12% operating margins.
The document provides an overview of Terex Corporation from its Basics Industrials Conference presentation on May 8, 2008. It discusses Terex's purpose, mission, and vision. It highlights Terex's strong and diversified revenue base, with income from operations increasing 36% in 2007 and 28% in Q1 2008. It outlines Terex's goals for 2010 of $12 billion in sales and 12% operating margin. The document also provides an overview of each of Terex's business segments.
Terex Corporation provides forward-looking statements and non-GAAP measures in their presentation. Their purpose is to improve people's lives around the world through their construction equipment. Their mission is to delight customers with high-quality products and services that exceed expectations. Their vision is to be the most customer-responsive, profitable, and desirable place for employees to work in the industry. Terex has a strong and diversified revenue base globally, with income and sales growing significantly in recent years. They are the 3rd largest construction equipment manufacturer in the world, with over 75% of sales where they have a strong market presence.
The annual shareholder meeting presentation covered the following key points in 3 sentences:
Terex aims to achieve $12 billion in sales and 12% operating margin by 2010 through executing on supply chain management, pricing discipline, and lean initiatives to improve margins. The company has a diverse portfolio of products and geographic presence to balance performance across economic cycles. Opportunities for margin improvement include coordinating supply efforts, optimizing manufacturing footprint, and pricing actions to offset rising costs.
1) The annual shareholder meeting presentation discusses Terex Corporation's financial goals for 2010, including achieving $12 billion in sales with a 12% operating margin and 15% working capital to sales ratio.
2) It provides an overview of Terex's business segments and their market positions, with approximately 75% of sales generated in markets where Terex has a leading position.
3) The presentation highlights Terex's sales and backlog figures by business segment for the last twelve months through March 2008, with aerial work platforms sales up 9% and cranes sales up 26% compared to the prior year.
This document contains the presentation from Tim Ford, President of Terex Aerial Work Platforms, at the JPMorgan Basics & Industrials Conference on June 4, 2008. Ford discusses the strong sales growth and global expansion of Terex AWP over the past decade. He outlines the secular growth drivers of the aerial work platform industry and Terex AWP's strategy to further strengthen and globalize its business, maximize revenue and profit from its large installed base, and extend its product offerings beyond aerials. Ford also highlights opportunities to apply lean principles more broadly across the value chain through partnerships with customers and suppliers.
Terex Corporation provides forward-looking statements and non-GAAP measures in their presentation. Their purpose is to improve people's lives around the world through their construction equipment. Their mission is to delight customers with high-quality products and services that exceed expectations. Their vision is to be the most customer-responsive, profitable, and desirable place for employees to work in the industry. Terex has a strong and diversified revenue base globally, with income and sales growing substantially in recent years. They are the third largest construction equipment manufacturer in the world, with over 75% of sales where they have a strong market presence.
This document contains the presentation from Tim Ford, President of Terex Aerial Work Platforms, at the JPMorgan Basics & Industrials Conference on June 4, 2008. Ford discusses the strong sales growth and global expansion of Terex AWP over the past decade. He outlines the secular growth drivers for the aerial work platform industry and Terex AWP's strategies to further strengthen and globalize its business, maximize revenue and profit from its large installed base, and extend its product offerings beyond aerials. Ford also highlights opportunities to apply lean principles more broadly across the value chain and customer relationships.
Terex is a leading manufacturer of construction and mining equipment with strong market positions. It aims to grow sales to $12 billion by 2010 through executing on initiatives to improve supply chain management, pricing discipline, and productivity. Terex has a diversified business across products and geographies to balance performance through different economic cycles.
Terex is a leading manufacturer of construction and mining equipment with sales of $9.1 billion in 2007. It aims to grow sales to $12 billion by 2010 through organic growth and acquisitions while improving operating margins to 12% and reducing working capital to sales ratio to 15%. Terex has a diversified business across products and geographies that provides balance throughout the economic cycle.
Terex is the 3rd largest manufacturer of construction equipment in the world based on last twelve months of available Construction Equipment Sales. Terex has a strong and diversified revenue base with almost 70% of 2007 sales generated outside of the USA. Approximately 75% of 2007 sales were generated in markets where Terex has a larger market presence than competitors and/or a significant market share.
Sales and backlog for Terex's business segments through March 31, 2008:
- Aerial Work Platform sales increased 9% with backlog up 4% from the previous period.
- Crane segment sales rose 26% and backlog grew 70% over the same period.
- Material Processing & Mining sales were flat while backlog declined slightly.
Overall, Terex is experiencing growth across most segments though some backlogs decreased slightly from the prior period.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
South Dakota State University degree offer diploma Transcriptynfqplhm
办理美国SDSU毕业证书制作南达科他州立大学假文凭定制Q微168899991做SDSU留信网教留服认证海牙认证改SDSU成绩单GPA做SDSU假学位证假文凭高仿毕业证GRE代考如何申请南达科他州立大学South Dakota State University degree offer diploma Transcript
[4:55 p.m.] Bryan Oates
OJPs are becoming a critical resource for policy-makers and researchers who study the labour market. LMIC continues to work with Vicinity Jobs’ data on OJPs, which can be explored in our Canadian Job Trends Dashboard. Valuable insights have been gained through our analysis of OJP data, including LMIC research lead
Suzanne Spiteri’s recent report on improving the quality and accessibility of job postings to reduce employment barriers for neurodivergent people.
Decoding job postings: Improving accessibility for neurodivergent job seekers
Improving the quality and accessibility of job postings is one way to reduce employment barriers for neurodivergent people.
Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdfshruti1menon2
NIM is calculated as the difference between interest income earned and interest expenses paid, divided by interest-earning assets.
Importance: NIM serves as a critical measure of a financial institution's profitability and operational efficiency. It reflects how effectively the institution is utilizing its interest-earning assets to generate income while managing interest costs.
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.
An accounting information system (AIS) refers to tools and systems designed for the collection and display of accounting information so accountants and executives can make informed decisions.
Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.
7. SLM CORPORATION
Reconciliation of “Core Earnings” Net Income to GAAP Net Income
(In thousands, except per share amounts)
Quarters ended
March 31, December 31, March 31,
2007 2006 2006
(unaudited) (unaudited) (unaudited)
“Core Earnings” net income(A) . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 251,208 $ 325,747 $ 286,881
“Core Earnings” adjustments:
Net impact of securitization accounting . . . . ................. 421,485 (67,984) (62,061)
Net impact of derivative accounting . . . . . . . ................. (331,724) (242,614) (38,817)
Net impact of Floor Income . . . . . . . . . . . . ................. (39,021) (51,762) (52,569)
Net impact of acquired intangibles(B) . . . . . . ................. (23,906) (25,113) (13,913)
Total “Core Earnings” adjustments before income taxes and minority
interest in net earnings of subsidiaries . . . . . . . . . . . . . . . . . . . . . . 26,834 (387,473) (167,360)
Net tax effect(C) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (161,889) 79,831 32,080
Total “Core Earnings” adjustments before minority interest in net
earnings of subsidiaries . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (135,055) (307,642) (135,280)
Minority interest in net earnings of subsidiaries . . . . . . . . . . . . . . . . . — — —
Total “Core Earnings” adjustments . . . . . . . . . . . . . . . . . . . . . . . . . . (135,055) (307,642) (135,280)
GAAP net income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 116,153 $ 18,105 $ 151,601
GAAP diluted earnings per common share . . . . . . . . . . . . . . . . . . . . $ .26 $ .02 $ .34
(A)
“Core Earnings” diluted earnings per common share . . . . . . . . . . . . . . . . . . . . $ .57 $ .74 $ .65
(B)
Represents goodwill and intangible impairment and the amortization of acquired intangibles.
(C)
Such tax effect is based upon the Company’s “Core Earnings” effective tax rate for the year. The net tax effect results primarily from
the exclusion of the permanent income tax impact of the equity forward contracts.
“Core Earnings”
In accordance with the Rules and Regulations of the Securities and Exchange Commission (“SEC”), we
prepare financial statements in accordance with generally accepted accounting principles in the United States
of America (“GAAP”). In addition to evaluating the Company’s GAAP-based financial information, manage-
ment evaluates the Company’s business segments on a basis that, as allowed under SFAS No. 131, “Disclo-
sures about Segments of an Enterprise and Related Information,” differs from GAAP. We refer to
management’s basis of evaluating our segment results as “Core Earnings” presentations for each business
segment and we refer to this information in our presentations with credit rating agencies and lenders. While
“Core Earnings” are not a substitute for reported results under GAAP, we rely on “Core Earnings” to manage
each operating segment because we believe these measures provide additional information regarding the
operational and performance indicators that are most closely assessed by management.
Our “Core Earnings” are not defined terms within GAAP and may not be comparable to similarly titled
measures reported by other companies. “Core Earnings” net income reflects only current period adjustments to
GAAP net income as described below. Unlike financial accounting, there is no comprehensive, authoritative
guidance for management reporting and as a result, our management reporting is not necessarily comparable
with similar information for any other financial institution. Our operating segments are defined by the products
and services they offer or the types of customers they serve, and they reflect the manner in which financial
information is currently evaluated by management. Intersegment revenues and expenses are netted within the
appropriate financial statement line items consistent with the income statement presentation provided to
management. Changes in management structure or allocation methodologies and procedures may result in
7
8. changes in reported segment financial information. A more detailed discussion of the differences between
GAAP and “Core Earnings” follows.
Limitations of “Core Earnings”
While GAAP provides a uniform, comprehensive basis of accounting, for the reasons described above,
management believes that “Core Earnings” are an important additional tool for providing a more complete
understanding of the Company’s results of operations. Nevertheless, “Core Earnings” are subject to certain
general and specific limitations that investors should carefully consider. For example, as stated above, unlike
financial accounting, there is no comprehensive, authoritative guidance for management reporting. Our “Core
Earnings” are not defined terms within GAAP and may not be comparable to similarly titled measures
reported by other companies. Unlike GAAP, “Core Earnings” reflect only current period adjustments to GAAP.
Accordingly, the Company’s “Core Earnings” presentation does not represent a comprehensive basis of
accounting. Investors, therefore, may not compare our Company’s performance with that of other financial
services companies based upon “Core Earnings.” “Core Earnings” results are only meant to supplement GAAP
results by providing additional information regarding the operational and performance indicators that are most
closely used by management, the Company’s board of directors, rating agencies and lenders to assess
performance.
Other limitations arise from the specific adjustments that management makes to GAAP results to derive
“Core Earnings” results. For example, in reversing the unrealized gains and losses that result from
SFAS No. 133, “Accounting for Derivative Instruments and Hedging Activities,” on derivatives that do not
qualify for “hedge treatment,” as well as on derivatives that do qualify but are in part ineffective because they
are not perfect hedges, we focus on the long-term economic effectiveness of those instruments relative to the
underlying hedged item and isolate the effects of interest rate volatility, changing credit spreads and changes
in our stock price on the fair value of such instruments during the period. Under GAAP, the effects of these
factors on the fair value of the derivative instruments (but not on the underlying hedged item) tend to show
more volatility in the short term. While our presentation of our results on a “Core Earnings” basis provides
important information regarding the performance of our Managed portfolio, a limitation of this presentation is
that we are presenting the ongoing spread income on loans that have been sold to a trust managed by us.
While we believe that our “Core Earnings” presentation presents the economic substance of our Managed loan
portfolio, it understates earnings volatility from securitization gains. Our “Core Earnings” results exclude
certain Floor Income, which is real cash income, from our reported results and therefore may understate
earnings in certain periods. Management’s financial planning and valuation of operating results, however, does
not take into account Floor Income because of its inherent uncertainty, except when it is economically hedged
through Floor Income Contracts.
Pre-Tax Differences between “Core Earnings” and GAAP
Our “Core Earnings” are the primary financial performance measures used by management to evaluate
performance and to allocate resources. Accordingly, financial information is reported to management on a
“Core Earnings” basis by reportable segment, as these are the measures used regularly by our chief operating
decision maker. Our “Core Earnings” are used in developing our financial plans and tracking results, and also
in establishing corporate performance targets and determining incentive compensation. Management believes
this information provides additional insight into the financial performance of the Company’s core business
activities. “Core Earnings” net income reflects only current period adjustments to GAAP net income, as
described in the more detailed discussion of the differences between “Core Earnings” and GAAP that follows,
which includes further detail on each specific adjustment required to reconcile our “Core Earnings” segment
presentation to our GAAP earnings.
1) Securitization Accounting: Under GAAP, certain securitization transactions in our Lending operating
segment are accounted for as sales of assets. Under “Core Earnings” for the Lending operating
segment, we present all securitization transactions on a “Core Earnings” basis as long-term non-
recourse financings. The upfront “gains” on sale from securitization transactions as well as ongoing
“servicing and securitization revenue” presented in accordance with GAAP are excluded from “Core
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9. Earnings” and are replaced by the interest income, provisions for loan losses, and interest expense as
they are earned or incurred on the securitization loans. We also exclude transactions with our off-
balance sheet trusts from “Core Earnings” as they are considered intercompany transactions on a
“Core Earnings” basis.
2) Derivative Accounting: “Core Earnings” exclude periodic unrealized gains and losses arising
primarily in our Lending operating segment, and to a lesser degree in our Corporate and Other
reportable segment, that are caused primarily by the one-sided mark-to-market derivative valuations
prescribed by SFAS No. 133 on derivatives that do not qualify for “hedge treatment” under GAAP. In
our “Core Earnings” presentation, we recognize the economic effect of these hedges, which generally
results in any cash paid or received being recognized ratably as an expense or revenue over the hedged
item’s life. “Core Earnings” also exclude the gain or loss on equity forward contracts that under
SFAS No. 133, are required to be accounted for as derivatives and are marked-to-market through
earnings.
3) Floor Income: The timing and amount (if any) of Floor Income earned in our Lending operating
segment is uncertain and in excess of expected spreads. Therefore, we exclude such income from
“Core Earnings” when it is not economically hedged. We employ derivatives, primarily Floor Income
Contracts and futures, to economically hedge Floor Income. As discussed above in “Derivative
Accounting,” these derivatives do not qualify as effective accounting hedges, and therefore, under
GAAP, they are marked-to-market through the “gains (losses) on derivative and hedging activities,
net” line on the income statement with no offsetting gain or loss recorded for the economically hedged
items. For “Core Earnings,” we reverse the fair value adjustments on the Floor Income Contracts and
futures economically hedging Floor Income and include the amortization of net premiums received in
income.
4) Acquired Intangibles: Our “Core Earnings” exclude goodwill and intangible impairment and the
amortization of acquired intangibles.
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