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Wiki Wiki Summary
Lenny Wilkens Leonard Randolph Wilkens (born October 28, 1937) is an American former basketball player and coach in the National Basketball Association (NBA). He has been inducted three times into the Naismith Memorial Basketball Hall of Fame, first in 1989 as a player, as a coach in 1998, and in 2010 as part of the 1992 United States Olympic "Dream Team," for which he was an assistant coach.
Weight loss Weight loss, in the context of medicine, health, or physical fitness, refers to a reduction of the total body mass, by a mean loss of fluid, body fat (adipose tissue), or lean mass (namely bone mineral deposits, muscle, tendon, and other connective tissue). Weight loss can either occur unintentionally because of malnourishment or an underlying disease, or from a conscious effort to improve an actual or perceived overweight or obese state.
LendingClub LendingClub is a peer-to-peer lending company headquartered in San Francisco, California. It was the first peer-to-peer lender to register its offerings as securities with the Securities and Exchange Commission (SEC), and to offer loan trading on a secondary market.
Student loans and grants in the United Kingdom Student loans and grants in the United Kingdom are primarily provided by the government through the Student Loans Company (SLC), an executive non-departmental public body. The SLC is responsible for Student Finance England and Student Finance Wales, and is a delivery partner of Student Finance NI and the Student Awards Agency for Scotland.
ProCredit Holding The ProCredit Holding is the parent company of a development-oriented group of commercial banks for small and medium enterprises (SMEs), which operate in South Eastern and Eastern Europe, Ecuador, and Germany. The business model of the group is based on "socially responsible banking".
Software development Software development is the process of conceiving, specifying, designing, programming, documenting, testing, and bug fixing involved in creating and maintaining applications, frameworks, or other software components. Software development involves writing and maintaining the source code, but in a broader sense, it includes all processes from the conception of the desired software through to the final manifestation of the software, typically in a planned and structured process.
Business opportunity A business opportunity (or bizopp) involves sale or lease of any product, service, equipment, etc. that will enable the purchaser-licensee to begin a business.
Managed care The term managed care or managed healthcare is used in the United States to describe a group of activities intended to reduce the cost of providing health care and providing American health insurance while improving the quality of that care ("managed care techniques"). It has become the predominant system of delivering and receiving American health care since its implementation in the early 1980s, and has been largely unaffected by the Affordable Care Act of 2010.
Ace of Base Ace of Base is a Swedish pop group, formed in 1990, originally consisting of siblings Jonas, Linn and Jenny Berggren, with Ulf Ekberg.\nThey achieved worldwide success following the release of their debut album Happy Nation in 1992.
Software testing Software testing is the act of examining the artifacts and the behavior of the software under test by validation and verification. Software testing can also provide an objective, independent view of the software to allow the business to appreciate and understand the risks of software implementation.
Dependent territory A dependent territory, dependent area, or dependency (sometimes referred as an external territory) is a territory that does not possess full political independence or sovereignty as a sovereign state, yet remains politically outside the controlling state's integral area. \nA dependent territory is commonly distinguished from a country subdivision by being considered not to be a constituent part of a sovereign state.
Personal branding Personal branding is the conscious and intentional effort to create and influence public perception of an individual by positioning them as an authority in their industry, elevating their credibility, and differentiating themselves from the competition, to ultimately advance their career, increase their circle of influence, and have a larger impact.The process of personal branding involves finding your uniqueness, building a reputation on the things you want to be known for, and then allowing yourself to be known for them. Ultimately, the goal is to create something that conveys a message and that can be monetized.Whereas some self-help practices focus on self-improvement, personal branding defines success as a form of self-packaging.
Performance indicator A performance indicator or key performance indicator (KPI) is a type of performance measurement. KPIs evaluate the success of an organization or of a particular activity (such as projects, programs, products and other initiatives) in which it engages.Often success is simply the repeated, periodic achievement of some levels of operational goal (e.g.
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Corrective and preventive action Corrective and preventive action (CAPA or simply corrective action) consists of improvements to an organization's processes taken to eliminate causes of non-conformities or other undesirable situations. It is usually a set of actions, laws or regulations required by an organization to take in manufacturing, documentation, procedures, or systems to rectify and eliminate recurring non-conformance.
Enovis Enovis (formerly Colfax Corporation) is a medical technology company, with a particular focus in orthopedics. \nHeadquartered in Wilmington, Delaware, the company is listed on the NYSE as ENOV. The company has over 5,000 employees operating at 12 sites around the world.
Supervisor A supervisor, or lead, (also known as foreman, boss, overseer, facilitator, monitor, area coordinator, line-manager or sometimes gaffer) is the job title of a lower-level management position that is primarily based on authority over workers or workplace. A supervisor can also be one of the most senior in the staff at the place of work, such as a professor who oversees a PhD dissertation.
Parental supervision Parental supervision (also adult supervision) is a parenting technique that involves looking after, or monitoring a child's activities.\nYoung children are generally incapable of looking after themselves, and incompetent in making informed decisions for their own well-being.
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List of acquisitions by Adobe Adobe Inc. is an American computer software company headquartered in San Jose, California.
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Regulation of therapeutic goods The regulation of therapeutic goods, defined as drugs and therapeutic devices, varies by jurisdiction. In some countries, such as the United States, they are regulated at the national level by a single agency.
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Governance, risk management, and compliance Governance, risk management and compliance (GRC) is the term covering an organization's approach across these three practices: governance, risk management, and compliance. The first scholarly research on GRC was published in 2007 by Scott L. Mitchell, Founder and Chair of OCEG where GRC was formally defined as "the integrated collection of capabilities that enable an organization to reliably achieve objectives, address uncertainty and act with integrity." The research referred to common "keep the company on track" activities conducted in departments such as internal audit, compliance, risk, legal, finance, IT, HR as well as the lines of business, executive suite and the board itself.
Wilh. Wilhelmsen Wilh. Wilhelmsen Holding ASA (WWH) is a Norwegian multinational maritime group, headquartered in Lysaker, Norway.
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Transamerica Corporation The Transamerica Corporation is an American holding company for various life insurance companies and investment firms operating primarily in the United States, offering life and supplemental health insurance, investments, and retirement services. The company has major offices located in Baltimore, Maryland; Cedar Rapids, Iowa; Denver, Colorado; Norwood, Massachusetts; Exton, Pennsylvania; Harrison, New York; Johns Creek, Georgia; Plano, Texas; and St.
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Risk Factors
FNB FINANCIAL SERVICES CORP Item 1A Risk Factors We may have higher credit losses than we have allowed for
Our average loan size continues to increase
Reliance on historic credit loss experience may not be indicative of future credit losses
Approximately 62prca of our loan portfolio is composed of construction, commercial mortgage and commercial loans
Repayment of such loans is generally considered more subject to market risk than residential mortgage loans
Industry experience shows that a portion of loans will become delinquent and a portion of the loans will require partial or entire charge-off
Regardless of the underwriting criteria we utilize, losses may be experienced as a result of various factors beyond our control, including, among [37]Back to Table of Contents 16 _________________________________________________________________ other things, changes in market conditions affecting the value of our loan collateral and problems affecting the credit repayment capacity of our borrowers
Our growth strategy may not be successful
As a strategy, we have sought to increase the size of our franchise by aggressively pursuing business development opportunities, and we have grown rapidly during the last decade
We can provide no assurance that we will continue to be successful in increasing the volume of our loans and deposits at acceptable risk levels and upon acceptable terms, expanding our asset base while managing the costs and implementation risks associated with this growth strategy
There can be no assurance that any further expansion will be profitable or that we will continue to be able to sustain our historical rate of growth, either through internal growth or through other successful expansions of our banking markets, or that we will be able to maintain capital sufficient to support our continued growth
If we lose key employees with significant business contacts in our market area, our business may suffer
Our success is largely dependent on the personal contacts of our officers and employees in our market areas
If we lose key employees temporarily or permanently, our business could be hurt
We could be particularly hurt if our key employees go to work for competitors
Our future success depends on the continued contributions of our existing senior management personnel, each of whom has significant local experience and contacts in our market areas
Government regulations may prevent or impair our ability to pay dividends, engage in additional acquisitions, or operate in other ways
Current and future legislation and the policies established by federal and state regulatory authorities will affect our operations
We are subject to supervision and periodic examination by the Reserve Bank and the Commission
Our principal subsidiary, FNB Southeast, as a state chartered commercial bank, also receives regulatory scrutiny from the Reserve Bank and the Commission
Banking regulations, designed primarily for the protection of depositors, may limit our growth and the return to you as an investor in our company, by restricting our activities, such as: • the payment of dividends to shareholders; • possible transactions with or acquisitions by other institutions; • desired investments; • loans and interest rates; • interest rates paid on deposits; • the possible expansion of branch offices; and • the ability to provide other services
We cannot predict what changes, if any, will be made to existing federal and state legislation and regulations or the effect that such changes may have on our business
The cost of compliance with regulatory requirements may adversely affect our ability to operate profitably
We face strong competition in our market areas, which may limit our asset growth and profitability
The banking business in our market areas is very competitive, and the level of competition facing us may increase further, which may limit our asset growth and/or profitability
We experience competition in both lending and attracting deposits from other banks and nonbank financial institutions located within our market area, some of which are significantly larger institutions
Nonbank competitors for deposits and deposit-type accounts include savings associations, credit unions, securities firms, money market funds, life insurance companies and the mutual funds industry
For loans, we encounter competition from other banks, savings associations, finance companies, mortgage bankers and brokers, insurance companies, small loan and credit card companies, credit unions, pension trusts and securities firms
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