Years of Bringing Members Dreams to. Reality. Federally insured by NCUA 2016 ANNUAL REPORT. Bringing Your Dreams To Reality
|
|
- Jody Dorsey
- 5 years ago
- Views:
Transcription
1 80 Years of Bringing Members Dreams to Reality Federally insured by NCUA Bringing Your Dreams To Reality 2016 ANNUAL REPORT
2 Purpose Bringing Your Dreams to Reality! Mission Statement Southland Credit Union is dedicated to exceptional Member service resulting in superior financial strength, offering convenience, courtesy, and valued solutions. Vision Southland Credit Union will be a dynamic, innovative and exemplary financial institution dedicated to meeting the needs of its Members. Core Values Provide exceptional service with integrity, honesty and creativity. Provide staff with an atmosphere of respect, education, and career growth Annual Report
3 Table of Contents Board of Directors & Supervisory Committee...4 Executive Team...5 Board Chair s Message...6 President s Message...7 Consolidated Statements of Financial Condition...8 Consolidated Statements of Income...9 Our Community Treasurer s Report Supervisory Committee Report
4 L E A D E Board of Directors Walter Finnigan Board Chair Annie Perez Vice Chair Angie Avery Secretary/Treasurer Dolores M. Arriola Director Robert L. Hale Director Jose L. Manzano Director Bradley P. Silcox Director G. David Mills Director-Emeritus Supervisory Committee Morris J. Litwack Committee Chair Thomas H. Willingham Committee Member Dr. Ayla Donlin Committee Member Annual Report
5 R S H I P Executive Team Thomas G. Lent, CPA President & CEO Rene M. LeJay Executive Vice President & COO Christopher Burns Senior Vice President & CFO Matthew P. Herrick Senior Vice President of Marketing & Financial Services Curt A. Bannock Vice President & CIO Patty Jimenez Vice President of Lending Bertrand Villavert Vice President & Controller Cynthia E. Smolinski Vice President of Human Resources 5
6 Celebrating 80 years of serving our Members has made Southland Credit Union one of the preeminent financial institutions in Southern California. I am honored to be Chairman of the Southland Credit Union Board and proud to have served you as a volunteer for over twenty years. During those years, our Board has strived to keep up with innovation and continues to look forward to new technology focused on better serving our Members through enhanced delivery channels. We understand and we are aware that there is competition out there from big banks, so we strive to give our Members exceptional service and we will continue to provide products and services that meet your financial needs. One way we have done this is by bringing our credit card servicing in-house, which means we can offer better service to our Members and reduce costs. Southland is now able to provide enhanced credit card products to better meet the needs of our Members. Last year was the first time Southland Credit Union crossed over $600 million in assets a tremendous milestone! Our credit union finished the year with over 48,000 Members, while maintaining a strong capital position. Further, we funded over 10,000 loans for a total of $250 million in gross loan originations. Board Chair s The Southland Board was very fortunate to have promoted Thomas Lent as the new President and Chief Executive Officer of Southland Credit Union. Tom has a great vision for Southland and the Board of Directors looks forward to working with him to take our Credit Union to new heights. Tom was instrumental in bringing Harbor Federal Credit Union in as a new partner to the Southland family beginning in January of The Directors of Southland Credit Union strive each year to make our Members dreams come true by providing each of you products, services and technology to meet your financial needs. We hope you have a prosperous year and thank you for being a Southland Credit Union Member. Walter Finnigan Board Chair, Board of Directors Annual Report
7 Southland s Next Chapter I am excited to be the new President and Chief Executive Officer of Southland Credit Union after serving as the Executive Vice President, Chief Financial Officer since For the past 80 years, the steadfast leadership of our credit union has navigated us through economic hardships, a digital revolution and increased competition from banks and lenders. Our success is born from fulfilling our mission to provide our Members exceptional service, resulting in superior financial strength, convenience and valued solutions. Measuring our service quality remains a critical metric in our credit union s strategic operation. Last year we launched a new tracking system to provide better insight of our service and measure it against our peers with the Net Promoter Score. Initial results received through and paper surveys have shown that our service far exceeds other industries and ranks high amongst peer credit unions throughout the nation. We have also received invaluable feedback on how to improve our operations and products. Southland continues to be a champion of supporting our local communities. Over the course of the previous year, the credit union supported dozens of local charities, educational organizations and philanthropic causes. This support extended to our Southland Associates who volunteered their own time to reinvest in the communities we serve. Our commitment to supporting our communities remains unwavering as we plan for the year ahead. Providing for the family has always been at the heart of Southland s financial vision. Throughout the coming year, we will continue to focus on providing valued financial solutions for you and your family. This goes beyond our goal of reshaping our branch lobbies to be more family-friendly and extends to financial products that provide a tangible financial benefit for your family. The Path Forward We have already started the year with a new member to the Southland family. As of January 1, Harbor Federal Credit Union has agreed to partner with Southland. The merger grows our credit union to over $730 million in assets with approximately 58,000 Members, while adding an additional branch in Carson, California. This strategic partnership prepares our credit union for a bold path forward. Southland will reinvest in our technology through hiring additional staff and enhancing our core banking products. This includes upgrading over 30,000 debit and credit cards with the industryleading EMV chip, updating our online and mobile banking platforms to provide greater convenience, and evaluating our core banking system to position ourselves for future growth. A Commitment We owe our success to the many Members who trust their financial future to the credit union. This places a responsibility on us that we do not take lightly. While we are pleased to report we are a strong and healthy credit union, we are committed to building on our past success by providing our Members an exceptional service experience. Southland has thrived because our commitment to putting the needs of our Members first has never changed. As Southland s CEO, I pledge to keep this commitment and chart a course that keeps the credit union at the core of your family s financial success. President s Thank you for your membership with Southland Credit Union. Thomas G. Lent, CPA President and Chief Executive Officer 7
8 Consolidated Statements of Financial Condition As of December 31, 2016 and 2015 (in thousands) (unaudited) Assets Cash and Cash Equivalents $ 60,759 $ 69,270 Investment Securities: Available-For-Sale 78,416 74,068 Other Investments 8,064 14,665 Federal Home Loan Bank Stock 2,191 2,191 Loans to Members, Net of the Allowance 428, ,874 for Loan Losses Accrued Interest Receivable 1,420 1,374 NCUSIF Deposit 4,864 4,899 Property and Equipment, Net 7,887 11,386 Other Assets 25,934 21,500 TOTAL ASSETS $ 617,965 $ 579,227 Liabilities Members Shares and Savings Accounts $ 542,572 $ 508,726 Accounts Payable and Other Liabilities 10,556 7,055 Members Equity TOTAL LIABILITIES 553, ,781 Regular Reserve 12,887 12,887 Undivided Earnings 45,713 43,946 Equity Acquired in Merger 7,221 7,221 Accumulated Other Comprehensive Income (984) (608) TOTAL MEMBERS EQUITY 64,837 63,446 TOTAL LIABILITIES AND MEMBERS EQUITY $ 617,965 $ 579, Annual Report
9 Consolidated Statements of Income For the years ended December 31, 2016 and 2015 (in thousands) (unaudited) Interest Income Loans to Members 18$ 18,566 $ 18,638 Investment Securities and Cash Equivalents 1,529 1,326 Total Interest Income 20,095 19,964 Interest Expense Members Shares and Savings Accounts 1,611 1,301 Net Interest Income 18,484 18,663 Provision for Loan Losses 2, Net Interest Income After Provision for Loan Losses 16,324 17,711 Non-Interest Income Fees and Charges 4,986 5,128 Other Non-Interest Income 2,818 2,185 Total Non-Interest Income 7,804 7,313 Income Before Non-Interest Expense 24,128 25,024 Non-Interest Expense Compensation and Benefits 11,807 12,048 Operations 7,823 8,202 Occupancy 2,731 2,986 Total Non-Interest Expense 22,361 23,236 NET INCOME $ 1,767 $ 1,
10 Our Community A strong community is made through the active participation of local businesses. That is why Southland Credit Union is committed to supporting our local communities. Our Associates volunteer and support our community throughout the year with various charities, toy drives, food drives, women and children s causes, local school programs, community events, and many other important community needs. Through helping support local non-profits, community projects and our schools, Southland is a partner in improving the areas our Members live, work, worship and attend school Southland Sponsored & Team Southland Events Cypress 5k and Festival Cypress Police Officers Association Downey Kids Day Downey Street Faire Long Beach State Athletics Long Beach State Women s Basketball Los Alamitos Police Officers Association Los Alamitos School Ghoul Los Alamitos Wings Wheels & Rotors Los Alamitos Winter Wonderland Los Alamitos Youth Center Los Alamitos Educational Foundation (LAEF) Los Alamitos Race on the Base Orange County Liver Walk Orange County Walk to End Alzheimer s Run Seal Beach Santa Monica Christmas Run Southland Credit Union Annual Membership Meeting Toys for Tots Toy Drive Orange County Alzheimer s Walk Los Alamitos Winter Wonderland Long Beach State Women s Basketball Annual Report Executive Team gift donations to Toys for Tots
11 Proudly Serving the Employees of over 300 Companies PROVIDENCE ST. JOHN S HOSPITAL MILITARY PERSONNEL OF THE FORMER MARINE CORPS AIR STATION EL TORO SANTA MONICA CITY EMPLOYEES RETIRED EMPLOYEES OF LOS ANGELES COUNTY (RELAC) INTERNAL REVENUE SERVICE HANSEN & ADKINS AUTO TRANSPORT INC. LOS ANGELES COUNTY BAR ASSOCIATION LOS ANGELES PARALEGAL ASSOCIATION GREATER LOS ANGELES ASSOCIATION OF LEGAL ADMINISTRATORS (GLA ALA) LOS ANGELES TIMES LOS ANGELES COUNTY SANITATION DISTRICT LA COUNTY DEPARTMENT OF PARKS & RECREATION LA COUNTY DEPARTMENT OF MENTAL HEALTH LA COUNTY HOUSING AUTHORITY/ COMMUNITY DEVELOPMENT COMMISSION HYDRAFLOW USA ROYAL PAPER BOX CO. HATHAWAY-SYCAMORES CHILD & FAMILY SERVICES BIENVENIDOS COMMUNITY HEALTH CENTER LA FREIGHTLINER TARZANA TREATMENT CENTER, INC REGAL MEDICAL GROUP LAKESIDE COMMUNITY HEALTHCARE MEDICAL GROUP U.S. MARSHAL SERVICES U.S. BANKRUPTCY COURT AND DISTRICT COURTS U.S. DEPARTMENT OF HOMELAND SECURITY 11
12 The Board of Directors and Supervisory Committee Members volunteer and work diligently to ensure the continued safety and soundness of Southland Credit Union. In 2016, Southland continued to identify and act upon opportunities to improve Member services while maintaining its financial strength. Southland remained well-capitalized with a net worth at approximately 10.7% far exceeding the regulatory requirement for any credit union of 7%. Total assets on December 31, 2016 were $618 million, an increase of $39 million from Net income was nearly $1.8 million while we also returned dividends to our Members totaling $1.6 million. Southland s net loan balances increased $49 million (13%) for a total of $428 million. In addition to our strong loan growth, Member deposits increased $34 million (7%). The historically low interest rate environment and rising real estate market contributed to a record year of mortgage loans for Southland. To mitigate our exposure to interest rate risk, the credit union continued to sell many fixed-rate real estate loans on the secondary market while retaining servicing of these sold loans for our Members. We finished the year with total mortgage loans sold and serviced increasing 14% for a total of $194 million. Southland is in excellent financial condition, and is poised for continued success and future growth in This success is well underway with the merger of Harbor Federal Credit Union into Southland effective January 1, The merger takes Southland to more than $730 million in assets, increases our total Membership to approximately 58,000, and improves our net worth to 11.4%. We thank you for allowing us to serve you and look forward to an exciting and innovative year to come. You can be proud of the many accomplishments attained in the past years while being assured the future of Southland Credit Union continues to look bright. Treasurer s Sincerely, Angie Avery Secretary/Treasurer Board of Directors Annual Report
13 $174,037 $125,571 $117,252 $116,225 $2,653 $6,
14 Supervisory Committee members are elected by the Membership, with the committee consisting of three volunteers. The committee s primary responsibility is to assist the Board of Directors in fulfilling its oversight responsibility by providing an independent appraisal of the safety and soundness of the operations and activities of the credit union. The Supervisory Committee engages and oversees the internal and external audits and verification of Member accounts, as performed by two nationally recognized CPA firms. The committee also meets with the federal and state regulatory agencies during their routine examinations. Supervisory Committee The external auditor s report as of and for the years ended December 31, 2016 and 2015 indicated the Credit Union s financial statements are fairly stated in accordance with generally accepted accounting principles. It is the opinion of the Supervisory Committee that your credit union is financially strong, complies with sound business practices, and has effective internal controls to adequately protect and safeguard the Members assets. Sincerely, Morris J. Litwack Committee Chair Supervisory Committee Annual Report
15 $171,811 $137,891 $46,416 $44,951 $9,906 $8,910 $7,287 $1,
16 P.O. Box 3003 Los Alamitos, CA
2015 Annual Report. Federally insured by NCUA
2015 Annual Report Federally insured by NCUA Purpose Bringing Your Dreams to Reality! Mission Statement Southland Credit Union is dedicated to exceptional Member service resulting in superior financial
More information2014 annual report. innovation. Federally insured by NCUA
2014 annual report innovation Federally insured by NCUA New State-of-the-Art Santa Monica Branch 1 Table of Contents Board of Directors & Supervisory Committee...3 Executive Team...4 Board Chair & President
More informationAnnual Report. Better Banking for Everyone
2017 Annual Report Better Banking for Everyone 2017 Board of Directors Jackie D. Cleghorn Chairman John A. Jones Vice Chairman Barry Brown Treasurer Kenneth L. Babbitt Secretary Mary S. Edenfield-Gibbs
More informationLIFE. MADE AFFORDABLE. BUILDING NEW THE CHARTWAY
LIFE. MADE AFFORDABLE. BUILDING THE NEW CHARTWAY 2 0 1 8 A N N U A L R E P O R T OUR VISION SERVING OUR COMMUNITIES TO MAKE YOUR LIFE AFFORDABLE. OUR MISSION OUR VALUES THE CHARTWAY FAMILY OF MEMBERS AND
More informationCHAIRMAN & PRESIDENT S REPORT
DRIVEN TO DISCOVER CHAIRMAN & PRESIDENT S REPORT Walter Jackson Chairman Linda Powell President / CEO NRL Federal Credit Union celebrated a year of self-discovery in 2017. We closely examined where we
More informationANNUAL REPORT
2015 ANNUAL REPORT 1940-2015 Our Purpose To fulfill dreams and enrich the lives of others. Past. Present. Future. Being part of a community where excellence is a way of life, we often find ourselves humbled
More informationAnnual Report. Federally insured by NCUA
2013 Annual Report Federally insured by NCUA A Message From the President/CEO & Chairman 2013 was a very successful year for the Credit Union. While the financial numbers tell a great story, we are particularly
More information2013 Annual Report. Federally insured by NCUA
2013 Annual Report Federally insured by NCUA TABLE OF CONTENTS A Message from Our Chairman and President 2 BALANCE SHEET 4 income STATEMENT 5 financial HIGHLIGHTS 6 slate OF NOMINEES 7 BOARD OF DIRECTORS
More informationBusiness. Wellness. Culture
Business Rapid changes in technology have changed the way that we do business. Consequently, business transformation was a major focus in 2015. Wellness Georgia s Own has always placed a tremendous importance
More informationstatement of condition statement of income vision, mission & core values nominating committee report
2019 ANNUAL REPORT TABLE OF CONTENTS Table Of Contents...3 Program...5 2018 Minutes...7 Vision, Mission, Core Values...8 Statement Of Condition...9 Statement Of Income...9 Nominating Committee Report...9
More informationStrengthening Our Foundation Today, For A Brighter Future Tomorrow!
2012 Annual Report Our Community Is Our Focus! Strengthening Our Foundation Today, For A Brighter Future Tomorrow! 56 YEARS Providing Premier Service & Personalized Financial Solutions To Our Members Since
More information2016&2017 IMPACT REPORT Guided and inspired by a shared vision of a healthy ocean for marine mammals and humans alike
THE MARINE MAMMAL CENTER 2016&2017 IMPACT REPORT Guided and inspired by a shared vision of a healthy ocean for marine mammals and humans alike OUR MISSION The Marine Mammal Center advances global ocean
More informationWe promise to ANNUAL REPORT OUR FIRST PRIORITY IS ACHIEVING YOUR FINANCIAL DREAMS. The First Financial Member Experience
We promise to... Welcome you FIRST and treat you as an honored guest. Treat you with FIRST-class professionalism and address you by name. Deliver FIRST-rate, friendly service in an accurate and timely
More informationWe do banking differently to keep you a step ahead in life.
WHO WE ARE Infinity Federal Credit Union (FCU) was the first credit union established in Maine. Infinity FCU has been serving its members since 1921, initially as the Telephone Workers Credit Union of
More informationFederally Insured by NCUA
Federally Insured by NCUA Dale R. Whittaker Chairman, Board of Directors In 2011, Vantage West Credit Union emerged strong and healthy amidst a competitive financial services industry. As your Chairman
More informationFederally Insured by NCUA
Federally Insured by NCUA A Message From The Board of Directors and Managment Team Dr. S. William Bruce Chairperson, Board of Directors Stephen P. Renock, IV President/CEO Over the past year, the Credit
More information2 nd Quarter Earnings Conference Call
2 nd Quarter Earnings Conference Call KKR & Co. Inc. Investor Update July 26, 2018 Recent Milestones K-1 $ Converted to a Corporation on July 1, 2018 Investor Day held on July 9, 2018 2 Key Metrics Assets
More informationANNUAL REPORT 60 YEARS OF SERVICE
60 YEARS 2016 ANNUAL REPORT 60 YEARS OF SERVICE In 1956, a group of ten educators gathered together to form a credit union with the idea that together, they were stronger. Today, that group has grown into
More informationConcern for Community
Valued Patrons + A Cooperative s Principles Equity Cooperative Livestock Sales Association = Family Values Education, Training and Information Your Contributions Count Working Together Open to All People
More information261 Gorham Road South Portland, ME Company Profile
Company Profile Preservation Management, Inc. (PMI) has been providing comprehensive residential and commercial property management services since 1990. Over the last two decades PMI has grown to manage
More informationM ARSHALL & ILSLEY C ORPORATION
M ARSHALL & ILSLEY C ORPORATION 1999 Summary Annual Report In Memoriam John A. Puelicher 1920 1999 On October 30, 1999, John A. Jack Puelicher, former chairman of the board of Marshall & Ilsley Corporation,
More informationINFORMATION 2015 ANNUAL REPORT
COMMITTEE REPORTS 2015 MEETING MINUTES 2015 ANNUAL REPORT The purpose of Shell Federal Credit Union, chartered in 1937, is not profit, is not charity, but SERVICE to its members through leadership that
More informationKOHLBERG CAPITAL CORPORATION. May 2007
KOHLBERG CAPITAL CORPORATION May 2007 Safe Harbor Statement Private Securities Litigation Reform Act of 1995 Forward Looking Information This presentation may include forward-looking statements. These
More informationKKR Credit Advisors (Ireland) Unlimited Company PILLAR 3 DISCLOSURES
KKR Credit Advisors (Ireland) Unlimited Company KKR Credit Advisors (Ireland) Unlimited Company PILLAR 3 DISCLOSURES JUNE 2017 1 1. Background The European Union Capital Requirements Directive ( CRD or
More informationRaising the Bar. Bank of America, FleetBoston Merger Creates New Banking Leader
Raising the Bar Bank of America, FleetBoston Merger Creates New Banking Leader Bank of America s merger with FleetBoston Financial creates the first banking institution with a truly national scope, serving
More informationAnnual Report. December 31, 2017
Annual Report December 31, 2017 Thomas L. Mortimer President and Chief Executive Officer A letter from Haverhill Bank President Thomas L. Mortimer Dear Fellow Depositors, Haverhill Bank continued to experience
More informationFIRST QUARTER REPORT. Local banking at its best.
2012 FIRST QUARTER REPORT Local banking at its best. FIRST QUARTER REPORT 2012 To Our Shareholders, We are pleased to share with you the highlights of our first quarter of 2012. Our first quarter shows
More informationDBS GROUP HOLDINGS LTD. 15 th Annual General Meeting & Extraordinary General Meeting. 28 April 2014
DBS GROUP HOLDINGS LTD 15 th Annual General Meeting & Extraordinary General Meeting 28 April 2014 1 Creating Shared Value Piyush Gupta, Chief Executive Officer April 28, 2014 Disclaimer: The information
More informationThe Wood Group at Morgan Stanley. Understanding Your Vision, Earning Your Trust
The Wood Group at Morgan Stanley Understanding Your Vision, Earning Your Trust WHY THE WOOD GROUP The Culture of Family is in Our DNA Our Team was formed to provide our Clients and their Families with
More information77 TH Annual Meeting Agenda
77 TH Annual Meeting Agenda March 17, 2015 Call to Order Quorum Declaration Introduction William Capie Gary Drake William Capie 2014 Annual Meeting Minutes William Capie Chairman s Report William Capie
More informationWINDSOR FAMILY CREDIT UNION (WFCU) PRESIDENT AND CEO, MARTIN J. KOMSA APPOINTED TO LASALLE POLICE SERVICES BOARD
News Release May 1, 2014 Corporate Office 3000 Marentette Avenue Windsor, ON N8X 4G2 p. 519.974.3100 f. 519.974.9098 For Release WINDSOR FAMILY CREDIT UNION (WFCU) PRESIDENT AND CEO, MARTIN J. KOMSA APPOINTED
More informationSupplementary data for MLP SE (in line with the German
Supplementary data for MLP SE (in line with the German Commercial Code ( GB)) In contrast with the consolidated financial statements, the financial statements of MLP SE are not prepared to International
More information78th ANNUAL REPORT 2018
78 th ANNUAL REPORT 2018 PRESIDENT S REPORT As I reflect on 2018, our story is one of strong financial management, exceptional member service and positive change. While 2018 financial results are certainly
More informationEBA Membership Joining the EBA is easy! To sign up for your membership today, visit envirobank.org, then click Join EBA and follow the prompts.
EBA Membership Joining the EBA is easy! To sign up for your membership today, visit envirobank.org, then click Join EBA and follow the prompts. Financial Institution Members This membership is open to
More informationThe Chicago Bar Foundation: Your Foundation at Work in 2012 (July 18, 2012)
The Chicago Bar Foundation: Your Foundation at Work in 2012 (July 18, 2012) As the charitable arm of the CBA, The Chicago Bar Foundation (CBF) mobilizes our legal community around a cause that is distinctly
More informationKKR & Co. Inc. Goldman Sachs U.S. Financial Services Conference December 4, 2018
KKR & Co. Inc. Goldman Sachs U.S. Financial Services Conference December 4, 2018 KKR Today Private Markets Public Markets Capital Markets Principal Activities $104bn AUM $91bn AUM Global Franchise $19bn
More informationOUR COMMITMENT TO YOU
GET TO KNOW US OUR COMMITMENT TO YOU PRESTIGE WEALTH MANAGEMENT GROUP WAS FOUNDED WITH THE GOAL OF ASSISTING OUR CLIENTS IN EVERY ASPECT OF THEIR FINANCIAL LIVES. 2 Prestige Wealth Management Group was
More information2016 ANNUAL REPORT. Building Relationships. Building Futures.
2016 ANNUAL REPORT Building Relationships. Building Futures. 2016 Reports Mission Statement Meeting Financial Needs - Your Way Values Trustworthy People Focused Quality Service Report of the Chairman Genisys
More informationAmerican Society of Landscape Architects 636 I Street NW
Honorary Membership Nomination Narrative 2017 Nominee: Nominee s Address: Michael O Brien American Society of Landscape Architects 636 I Street NW City/State/Zip: Washington DC, 20001 Phone: (202) 216-2347
More informationANNUAL REPORT 36 TH ANNUAL MEETING
2013 ANNUAL REPORT 36 TH ANNUAL MEETING Annual Meeting Agenda Call to Order / Ascertainment of Quorum Designation of Secretary / Parliamentarian Prior Meeting s Minutes Chairman s Report President/CEO
More informationIn The News For immediate release Contact Kristin Reed,
In The News For immediate release Contact Kristin Reed, 214.373.9390 kristin@kreed.net GRANITE PROPERTIES CELBRATES 20 YEARS OF DYNAMIC GROWTH WITH COMPANY-WIDE RETREAT Since 1991 the Dallas-headquartered
More informationTRUITY CREDIT UNION 2017 ANNUAL REPORT
TRUITY CREDIT UNION 2017 ANNUAL REPORT Why we exist: To SERVE Our Members Interests What we stand for: INTEGRITY Is First In All We Do Treat All With RESPECT VALUE Employees As Our Primary Resource Be
More informationDiscovery: From Concept to the Patient - The Business of Medical Discovery. Todd Sherer, Ph.D.
Discovery: From Concept to the Patient - The Business of Medical Discovery Todd Sherer, Ph.D. Associate Vice President for Research and Director of OTT President Elect, Association of University Technology
More informationTHE GOLDMAN SACHS GROUP, INC.
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event
More informationSmith A. Brownlie III, CPA
Brownlie & Braden, LLC, provides services specifically addressing the needs of individuals and families that have accumulated significant wealth. Our approach to providing these services is sensitive to
More informationHERSHORIN & HENRY, LLP. Thomas S. Van Contract Partner
HERSHORIN & HENRY, LLP ATTORNEYS AT LAW IS PLEASED TO ANNOUNCE THAT Thomas S. Van Contract Partner HAS JOINED OUR FIRM Mr. Van has over 14 years of experience in successfully handling Business Litigation,
More information2015 ANNUAL REPORT ONE VOICE 222,000 + STRONG
2015 ANNUAL REPORT ONE VOICE 222,000 + STRONG ONE VOICE 222,000 + STRONG MESSAGE FROM THE PRESIDENT The independent spirit of our Members is what started the great organization we know as TDECU just over
More informationNexTier Bank and Farmers & Merchants of Western PA to merge, creating $1 billion financial services leader
For Immediate Release Contact: NexTier Bank - Maria Smathers, SVP, Marketing, msmathers@thebank.com 412-996-1954 (C) or 724-538-2261 (O) F & M Bank Rich Krauland, President & CEO, RichardK@fmbwpa.com 724-548-9227
More information2 Theatre Square, Ste 322 Orinda, CA Toll free Fax Morgan Stanley Smith Barney LLC, Member SIPC
The Gross Turner Beaumont Group at Morgan Stanley Smith Barney Stephen Gross, Senior Vice President and Financial Advisor David Turner III, Senior Vice President and Financial Advisor Rick Beaumont, CFP,
More informationPhilip F. Morrissey Portfolio Manager Senior Vice President Financial Advisor
Philip F. Morrissey Portfolio Manager Senior Vice President Financial Advisor 19495 BISCAYNE BLVD. PENTHOUSE AVENTURA, FL 33180 305-466-4807 / MAIN 800-736-4554 / TOLL-FREE 305-937-7136 / FAX Philip.Morrissey@morganstanleysmithbarney.com
More informationBonnie Seay Has a History of Breaking New Ground at Vanderbilt
LEGACY Bonnie Seay Has a History of Breaking New Ground at Vanderbilt Bonnie Seay, BA 66, MA 80, has always been a leader. In 1962 she was among the first students to move into Branscomb Quadrangle, at
More informationTo whom it may concern;
Julie Merhege President 7135 E. Camelback Rd, Suite I 201 Scottsdale, AZ 85251 Phone 480.281.8205 Email jmerhege@goldwaterbank.com To whom it may concern; We are excited to announce that Kent Wiechert,
More informationChairman&President. Report of the
2012 Annual Report Report of the Chairman&President Neal E. Armstrong Tony C. Budet In its 76th year, University Federal Credit Union (UFCU) continued to deliver on its mission to provide for the well-being
More informationKKR & Co. L.P. Morgan Stanley Financials Conference: June 13, 2018
KKR & Co. L.P. Morgan Stanley Financials Conference: June 13, 2018 ($ in trillions) KKR Growth in Alternative Asset Market Share KKR AUM +20% CAGR +21% CAGR Alternative AUM +12% CAGR $190 (1) ($ in billions)
More informationThe Yates Group at Morgan Stanley
The Yates Group at Morgan Stanley 100 N. Main St. Ste. 2500 Winston Salem, NC 27101 800-334-4401 / MAIN 800-334-4401 / TOLL-FREE 336-721-4940 / FAX www.morganstanleyfa.com/theyatesgroup The Yates Group
More information2015 Real Estate Industry Update A landscape for change: Transforming for the future
2015 Real Estate Industry Update A landscape for change: Transforming for the future December 10, 2015 Welcome Welcome to Deloitte s 2015 real estate industry update The real estate industry has been on
More informationChapter 6: Finding and Working with Professionals
Chapter 6: Finding and Working with Professionals Christopher D. Clark, Associate Professor, Department of Agricultural Economics Jane Howell Starnes, Research Associate, Department of Agricultural Economics
More informationThe Texas Capitol Group at Morgan Stanley Smith Barney. When the Details Matter
The Texas Capitol Group at Morgan Stanley Smith Barney When the Details Matter The Texas Capitol Group at Morgan Stanley Smith Barney will be the wealth advisory group of choice recognized for its exceptional
More information202, million 2.1. Our scale, our diversification and the predictability of our business give us strong foundations on which to innovate
In 2017 we obtained excellent results the right way: through profitable growth Ana Botín, Group executive chairman of Banco Santander Our success in 2017 shows that our way of doing business, and our focus
More information4 th Quarter Earnings Conference Call
4 th Quarter Earnings Conference Call KKR & Co. Inc. Investor Update February 1, 2019 Key Metrics Assets Under Management Management Fees ($ in billions) ($ in millions) $195 $1,069 $168 $905 $100 $107
More informationThe Kaser Mechling Group at Morgan Stanley Smith Barney
The Kaser Mechling Group at Morgan Stanley Smith Barney 7311 Crossleigh Court Suite 106, Toledo, OH 43617 419-842-6557 / MAIN 877-834-3669 / TOLL-FREE 419-754-2507 / FAX www.morganstanley.com/fa/theka
More informationJames R. Cotto Corporate Client Group Director Senior Vice President Senior Investment Management Consultant Wealth Management for Entertainers and
James R. Cotto Corporate Client Group Director Senior Vice President Senior Investment Management Consultant Wealth Management for Entertainers and Professional Athletes 2000 Westchester Ave 1NC Purchase,
More informationFOR IMMEDIATE RELEASE
FOR IMMEDIATE RELEASE China Construction Bank (Asia) Promotes Harmonic Society and Healthy Development of Staff Devoted Nearly 900 Hours in Volunteer Services for 7,300 Beneficiaries Last Year Hong Kong
More informationServing Everyone ANNUAL REPORT. A Proud Past. A Bright Future.
Serving Everyone 2018 ANNUAL REPORT A Proud Past. A Bright Future. Chairwoman s Message The theme for this year s annual report A Proud Past. A Bright Future is especially appropriate at this time in the
More informationLLOYDS BANKING GROUP MATTERS RESERVED TO THE BOARDS (LLOYDS BANKING GROUP PLC, LLOYDS BANK PLC, BANK OF SCOTLAND PLC & HBOS PLC)
LLOYDS BANKING GROUP MATTERS RESERVED TO THE BOARDS (LLOYDS BANKING GROUP PLC, LLOYDS BANK PLC, BANK OF SCOTLAND PLC & HBOS PLC) LLOYDS BANKING GROUP PLC, LLOYDS BANK PLC, BANK OF SCOTLAND PLC & HBOS PLC
More informationDesert Healthcare District Director reflects on 18 years of service
Desert Healthcare District Director reflects on 18 years of service Kay Hazen discusses the value of expansive thinking and investing in outcomes in community service Staff Report For more than 30 years,
More informationInvestor Presentation. November 2018
Investor Presentation November 2018 KKR Today Private Markets Public Markets Capital Markets Principal Activities $104bn AUM $91bn AUM Global Franchise $19bn of Assets $81bn Private Equity, Growth Equity
More informationSOUTHERN CALIFORNIA GAS COMPANY PURSUANT TO CPUC GENERAL ORDER NO. 77- M FOR THE YEAR ENDED DECEMBER 31, 2016 REDACTED VERSION INDEX SECTION TITLE
PURSUANT TO CPUC GENERAL ORDER NO. 77- M REDACTED VERSION INDEX SECTION TITLE Page AGREED-UPON PROCEDURES REPORT 1 EXECUTIVE OFFICERS AND EXECUTIVES OF THE UTILITY'S HOLDING COMPANY 8 COMPENSATION PAID
More informationEndeavor Bank (in Organization) Begins Common Stock Offering The first bank to receive FDIC approval in San Diego County in 9 years
Contact: Dan Yates, CEO Endeavor Bank (In Organization) dyates@bankendeavor.com Mobile: (858) 230-5185 Office: (760) 795-1250 Endeavor Bank (in Organization) Begins Common Stock Offering The first bank
More information2015 Real Estate Industry Update A landscape for change: Transforming for the future
2015 Real Estate Industry Update A landscape for change: Transforming for the future September 15, 2015 Welcome Welcome to Deloitte s 2015 real estate industry update The real estate industry has been
More information2014 Annual Report Corporate Highlights
2014 Annual Report Corporate Highlights 2014 Annual Report Message from the Chair 2 Message from the Chair This past May, Meridian welcomed Bill Maurin to his new role as Meridian s President and CEO.
More informationOffice Management & Medical Marketing of Practice. Scheduling patient Consultations and Surgery
Geri A. Jones Objective: Seeking a Management/Marketing position with a reputable Cosmetic Surgical Practice. Skills: Seven years experience running an Accredited Cosmetic Surgery Center. Office Management
More informationPRESIDENT S LETTER. Dear Friends,
PRESIDENT S LETTER Dear Friends, On behalf of the Intrepid Fallen Heroes Fund (IFHF) and the men and women of the armed forces whose lives are improved because of you, thank you for your support. You make
More informationTo our shareholders, associates, customers, and communities:
2015 Annual Report Table of Contents Chairman s Message page 3 Commercial Testimonials page 8 2015 Financial Highlights page 12 Independent Auditor s Report page 13 Consolidated Balance Sheets page 14
More informationGeneral Session. Don t Let Financing Scare You
General Session Don t Let Financing Scare You Rocco Fiorentino, CFE President & CEO More than 25 years of franchise industry experience Director and board member for Swiss Farm Stores and Saxbys Coffee
More informationCITY OF LOS ANGELES CALIFORNIA ER!C GARCETTI MAYOR. September 11, 2013
MIGUEL A. SANTANA CITY ADMINISTRATIVE OFFICER CITY OF LOS ANGELES CALIFORNIA ASSISTANT CITY ADMINISTRATIVE BENCEJA ROBIN P. ENGEL PATRICIA J. HUBER OFFICERS ER!C GARCETTI MAYOR September 11, 2013 0170-00006-000
More informationA Multitude of A Layering of An Integrated
Ahli United Bank (AUB) has a clear and focused vision for the future based on integrating people, resources and markets to enhance value, identifying markets with potential, embracing change to fuel growth,
More informationChris Bridges. Financial Advisor
Chris Bridges Financial Advisor 832 Lake Sumter Landing The Villages, FL 32162 352-751-7847 / MAIN 800-447-6036 / TOLL-FREE 352-753-8234 / FAX christopher.bridges@mssb.com http://fa.morganstanleyindividual.com/christopher.bridges/
More information4 th Quarter Earnings Conference Call
4 th Quarter Earnings Conference Call KKR & Co. L.P. Investor Update February 8, 2018 4Q17 Reflections Fundamentals Are Strong (Dollars in millions, except per unit amounts and unless otherwise stated)
More informationMichael Barna Financial Advisor You Have Worked Hard To Build Wealth In Life.
Michael Barna Financial Advisor You Have Worked Hard To Build Wealth In Life. 1200 Lenox Drive Suite 300, Lawrenceville, NJ 08648 609-844-7920 / MAIN 800-659-0650 / TOLL-FREE 609-844-7950 / FAX michael.barna@morganstanley.com
More informationThe Rock Group at Morgan Stanley Smith Barney. Managing Your Wealth, Growing Our Relationship
The Rock Group at Morgan Stanley Smith Barney Managing Your Wealth, Growing Our Relationship Change is the law of life. And those who look only to the past or present are certain to miss the future. John
More informationB i o g r a p h y Steven M. Egna Steven M. Egna
B i o g r a p h y Steven M. Egna CBA, CVA, ABAR, CM&AA Valuation Resource Group, LLC 75 Troy Road East Greenbush, New York 12061 P: (518) 479-1008 E: segna@valuationresource.com Steven M. Egna is a Certified
More informationKristin Decas Port of Hueneme Executive Director
Kristin Decas Port of Hueneme Executive Director Humboldt Bay and Conservation District San Francisco Bay Area Port of West Sacramento Port of Stockton Inland River Ports Port of Oakland Port of San Francisco
More informationOpen Forum. Newton Glassman, Executive Chairman & CEO David Reese, President & COO. October 13, 2015
Open Forum Newton Glassman, Executive Chairman & CEO David Reese, President & COO October 13, 2015 Note: Callidus financials reflect most recent publicly released data (Q2 earnings, August 2015) 1 Welcome
More informationLynn E. Turner Managing Director
Lynn E. Turner Managing Director 725 South Figueroa Street, Suite 2950 Los Angeles, CA 90017 main: 213.222.0870 fax : 888.222.6001 lturner@litinomics.com Lynn E. Turner is a Managing Director within the
More informationOverview of Venture Equity
Overview of Venture Equity SVB Analytics Report 2017 Written by SVB Analytics: Steve Liu Managing Director sliu@svb.com Sean Lawson Senior Manager slawson2@svb.com Steven Pipp Senior Associate spipp@svb.com
More informationSmith A. Brownlie III, CPA
Brownlie & Braden, LLC, provides services specifically addressing the needs of individuals and families that have accumulated significant wealth. Our approach to providing these services is sensitive to
More informationThe dos Santos Group at Morgan Stanley
The dos Santos Group at Morgan Stanley 399 Park Avenue 12th Floor, New York, NY 10022 212-893-6310 / MAIN 800-646-6301 / TOLL-FREE 646-862-9748 / FAX www.morganstanleyfa.com/dossantosgroupsb dossantosgroup@morganstanley.com
More informationSupplement to Form ADV Part 2 Form ADV Part 2B
Item 1- Cover Page Supplement to Form ADV Part 2 Form ADV Part 2B (for each of the Supervised Persons Listed in Item 2 below) Lazard Wealth Management LLC 30 Rockefeller Plaza New York, New York 10112
More informationCITY OF COHOES INDUSTRIAL DEVELOPMENT AGENCY
Board of Directors: Rod Dion Cliff Bird Horace Hallock William Keeler Manny Santos Stanley Szozda Theresa M. Thibodeau CITY OF COHOES INDUSTRIAL DEVELOPMENT AGENCY 97 Mohawk Street Cohoes, New York 12047-2897
More informationEnhancing Audit Quality and Transparency Supplement Additional information required by Article 13 of EU Regulation 537/2014
Enhancing Audit Quality and Transparency Supplement Additional information required by Article 13 of EU Regulation 537/2014 December 2017 kpmg.com Contents 1. Network arrangement 1 1.1 Legal structure
More informationAsk the Regulator and Industry Experts Thursday, September 14 3:30 p.m. 4:30 p.m.
Ask the Regulator and Industry Experts Thursday, September 14 3:30 p.m. 4:30 p.m. During this session, panelists answer your questions related to the fixed income regulatory landscape. Panelists also address
More informationINDUSTRY REPORT for. Thomson Reuters Corporation
INDUSTRY REPORT for Thomson Reuters Corporation Overview of Thomson Reuters and Business Activities Thomson Reuters Corporation provides intelligent information for companies and individuals seeking competitive
More informationBUILDING SOMETHING STRONGER.
BUILDING SOMETHING STRONGER. 1 WE WANT TO MAKE KANSAS CITY A BETTER PLACE BY INVESTING IN THESE THREE THINGS: COMMUNITY, PHILANTHROPY AND ENTREPRENEURSHIP. A FEW WORDS FROM OUR PRESIDENT STRENGTH IN NUMBERS.
More information2017 ANNUAL REPORT. Excellence. Sustained.
ANNUAL REPORT Excellence. Sustained. FINANCIAL HIGHLIGHTS ANNUAL REPORT FINANCIAL HIGHLIGHTS FINANCIAL SUMMARY Income from Continuing Operations per diluted common share 1.80 1.59 Normalized Funds from
More informationAttachment for Question #1 - Responsible Banking Investment Monitoring Program for Investment Banks
Attachment for Question #1 - Responsible Banking Investment Monitoring Program for Investment Banks Name of Charitable Organization Type Amount ($) Childrens Bureau of Southern California Goldman Sachs
More informationthe practice of law the way it should be
at a glance A 200 attorney Firm with 50 partners in a single office where collaboration and collegiality are valued the practice of law the way it should be 100% attorney pro bono participation for over
More informationDaniel Bothe
Daniel Bothe 858-204-3866 dbothe@pointloma.edu Education ANDERSON UNIVERSITY ~ Anderson, Indiana Expected completion 2017 Doctor of Business Administration, Finance GPA 4.0 Comprehensive examinations successfully
More informationBuilding Wealth and Prosperity in the Communities We Call Home
Building Wealth and Prosperity in the Communities We Call Home Executive Summary EDA exclusively represents the equity capital market interests for the retail and institutional operations of middle market
More informationFor Your Business Success make sure your bookkeeping is well established
For Your Business Success make sure your bookkeeping is well established SCORE mentoring has taught me that a prime, on-going need is for the small business owner to do a diligent job of keeping track
More information