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Greater San Antonio Greater San Antonio, officially designated San Antonio–New Braunfels, is an eight-county metropolitan area in the U.S. state of Texas defined by the Office of Management and Budget (OMB). The metropolitan area straddles South Texas and Central Texas and is on the southwestern corner of the Texas Triangle.
Geojit Financial Services Geojit Financial Services Ltd. is an investment services company in India headquartered in Kochi, Kerala.
Housing Market Area In the United Kingdom a Housing Market Area (HMA) is a statistical area where patterns of demand for housing are observed. These are influenced by commuting patterns, internal migration and house prices.
Impact wrench An impact wrench (also known as an impactor, impact gun, air wrench, air gun, rattle gun, torque gun, windy gun) is a socket wrench power tool designed to deliver high torque output with minimal exertion by the user, by storing energy in a rotating mass, then delivering it suddenly to the output shaft. It was invented by Robert H. Pott of Evansville, Indiana.
List of largest energy companies An energy company is a company which operates within the energy industry, which can be involved in the production and sale of energy, including fuel extraction, manufacturing, refining and distribution. The companies listed below are traded on public stock exchanges, as such state owned energy companies, such as Aramco are not included.
Emergency operations center An emergency operations center (EOC) is a central command and control facility responsible for carrying out the principles of emergency preparedness and emergency management, or disaster management functions at a strategic level during an emergency, and ensuring the continuity of operation of a company, political subdivision or other organization.\nAn EOC is responsible for strategic direction and operational decisions and does not normally directly control field assets, instead leaving tactical decisions to lower commands.
Target audience A target audience is the intended audience or readership of a publication, advertisement, or other message catered specifically to said intended audience. In marketing and advertising, it is a particular group of considered within the predetermined target market, identified as the targets or recipients for a particular advertisement or message.
Social marketing Social marketing has the primary goal of achieving "common good". Traditional commercial marketing aims are primarily financial, though they can have positive social effects as well.
Real-estate bubble A real-estate bubble or property bubble (or housing bubble for residential markets) is a type of economic bubble that occurs periodically in local or global real-estate markets, and typically follow a land boom. A land boom is the rapid increase in the market price of real property such as housing until they reach unsustainable levels and then decline.
Troubled Asset Relief Program The Troubled Asset Relief Program (TARP) is a program of the United States government to purchase toxic assets and equity from financial institutions to strengthen its financial sector that was passed by Congress and signed into law by President George Bush. It was a component of the government's measures in 2009 to address the subprime mortgage crisis.
Taylor, Bean & Whitaker Taylor, Bean & Whitaker was a top-10 wholesale mortgage lending firm in the United States, the fifth-largest issuer of Government National Mortgage Association (GNMA or Ginnie Mae) securities. Their slogan was "Perfecting the Art of Mortgage Lending".
Chesoi Chesoi is a small town in Elgeyo Marakwet County in the former Rift Valley Province of Kenya. The town hosts the region's historical monuments such as Chorwó Kimikeu, Chesoi Primary School, Chesoi Health Centre, and Chesoi Catholic Parish.
Additions to Daniel The additions to Daniel comprise three chapters not found in the Hebrew/Aramaic text of Daniel. The text of these chapters is found in the Koine Greek Septuagint, the earliest Old Greek translation.
Chlormequat Chlormequat is an organic compound with the formula ClCH2CH2N(CH3)+3 that is used as a plant growth regulator. It is typically sold as the chloride salt, chlormequat chloride (C5H13Cl2N), a colorless hygroscopic crystalline substance that is soluble in water and ethanol.
Resolution Trust Corporation The Resolution Trust Corporation (RTC) was a U.S. government-owned asset management company run by Lewis William Seidman and charged with liquidating assets, primarily real estate-related assets such as mortgage loans, that had been assets of savings and loan associations (S&Ls) declared insolvent by the Office of Thrift Supervision (OTS) as a consequence of the savings and loan crisis of the 1980s. It also took over the insurance functions of the former Federal Home Loan Bank Board (FHLBB).
Taxation in the United Kingdom Taxation in the United Kingdom may involve payments to at least three different levels of government: central government (Her Majesty's Revenue and Customs), devolved governments and local government. Central government revenues come primarily from income tax, National Insurance contributions, value added tax, corporation tax and fuel duty.
English words of Greek origin The Greek language has contributed to the English lexicon in five main ways:\n\nvernacular borrowings, transmitted orally through Vulgar Latin directly into Old English, e.g., 'butter' (butere, from Latin butyrum < βούτυρον), or through French, e.g., 'ochre';\nlearned borrowings from classical Greek texts, often via Latin, e.g., 'physics' (< Latin physica < τὰ φυσικά);\na few borrowings transmitted through other languages, notably Arabic scientific and philosophical writing, e.g., 'alchemy' (< χημεία);\ndirect borrowings from Modern Greek, e.g., 'ouzo' (ούζο);\nneologisms (coinages) in post-classical Latin or modern languages using classical Greek roots, e.g., 'telephone' (< τῆλε + φωνή) or a mixture of Greek and other roots, e.g., 'television' (< Greek τῆλε + English vision < Latin visio); these are often shared among the modern European languages, including Modern Greek;Of these, the neologisms are by far the most numerous.\n\n\n== Indirect and direct borrowings ==\nSince the living Greek and English languages were not in direct contact until modern times, borrowings were necessarily indirect, coming either through Latin (through texts or through French and other vernaculars), or from Ancient Greek texts, not the living spoken language.
Monetary policy Monetary policy is the policy adopted by the monetary authority of a nation to control either the interest rate payable for very short-term borrowing (borrowing by banks from each other to meet their short-term needs) or the money supply, often as an attempt to reduce inflation or the interest rate, to ensure price stability and general trust of the value and stability of the nation's currency.\nMonetary policy is a modification of the supply of money, i.e.
Fair use Fair use is a doctrine in United States law that permits limited use of copyrighted material without having to first acquire permission from the copyright holder. Fair use is one of the limitations to copyright intended to balance the interests of copyright holders with the public interest in the wider distribution and use of creative works by allowing as a defense to copyright infringement claims certain limited uses that might otherwise be considered infringement.
Snake handling in Christianity Snake handling, also called serpent handling, is a religious rite observed in a small number of isolated churches, mostly in the United States, usually characterized as rural and part of the Holiness movement. The practice began in the early 20th century in Appalachia and plays only a small part in the church service.
Crow instability In aerodynamics, the Crow instability, or V.C.I. vortex crow instability, is an inviscid line-vortex instability, named after its discoverer S. C. Crow.\nThe Crow instability is most commonly observed in the skies behind large aircraft such as the Boeing 747.
Eric Clapton Eric Patrick Clapton (born 30 March 1945) is an English rock and blues guitarist, singer, and songwriter, widely regarded as one of the most important and influential guitarists of all time. Clapton ranked second in Rolling Stone's list of the "100 Greatest Guitarists of All Time" and fourth in Gibson's "Top 50 Guitarists of All Time".
Supercell (video game company) Supercell Oy is a Finnish mobile game development company based in Helsinki, Finland. Founded on 14 May 2010, the company's debut game was the browser game Gunshine.net, and after its release in 2011, Supercell started developing games for mobile devices.
Monopoly A monopoly (from Greek μόνος, mónos, 'single, alone' and πωλεῖν, pōleîn, 'to sell'), as described by Irving Fisher, is a market with the "absence of competition", creating a situation where a specific person or enterprise is the only supplier of a particular thing. This contrasts with a monopsony which relates to a single entity's control of a market to purchase a good or service, and with oligopoly and duopoly which consists of a few sellers dominating a market.
Insomnia An insignia (from Latin insignia, plural of insigne 'emblem, symbol, ensign') is a sign or mark distinguishing a group, grade, rank, or function. It can be a symbol of personal power or that of an official group or governing body.
Smithsonian Institution The Smithsonian Institution ( smith-SOH-nee-ən), or simply the Smithsonian, is a group of museums and education and research centers, the largest such complex in the world, created by the U.S. Government "for the increase and diffusion of knowledge". Founded on August 10, 1846, it operates as a trust instrumentality and is not formally a part of any of the three branches of the federal government.
List of equipment of the United States Army The United States Army uses various equipment in the course of their work.\n\n\n== Small arms ==\n\n\n=== Firearms ===\n\n\n=== Explosives ===\n\n\n== Artillery ==\n\n\n== Vehicles ==\n\n\n=== MRAP vehicles ===\nThe Pentagon bought 25,000 MRAP vehicles since 2007 in 25 variants through rapid acquisition with no long-term plans for the platforms.
Following sea A following sea refers to a wave direction that is similar to the heading of a waterborne vessel under way. The word "sea" in this context refers to open water wind waves.
Apartheid legislation The system of racial segregation and oppression in South Africa known as apartheid was implemented and enforced by many acts and other laws. This legislation served to institutionalise racial discrimination and the dominance by white people over people of other races.
List of banks in the Turkish Republic of Northern Cyprus This is a list of banks operating in Turkish Republic of Northern Cyprus..\nAll banks, including branches of foreign banks, private banks and International Banking Units are governed by the established Central Bank of Turkish Republic of Northern Cyprus.
Regulatory agency A regulatory agency (regulatory body, regulator) or independent agency (independent regulatory agency) is a government authority that is responsible for exercising autonomous dominion over some area of human activity in a licensing and regulating capacity.\nThese are customarily set up to strengthen safety and standards, and/or to protect consumers in markets where there is a lack of effective competition.
Cis-regulatory element Cis-regulatory elements (CREs) or Cis-regulatory modules (CRMs) are regions of non-coding DNA which regulate the transcription of neighboring genes. CREs are vital components of genetic regulatory networks, which in turn control morphogenesis, the development of anatomy, and other aspects of embryonic development, studied in evolutionary developmental biology.
Alena Douhan Alena Douhan (Belarusian: Алена Доўгань) of Belarus is the United Nations Special Rapporteur on the negative impact of the unilateral coercive measures on the enjoyment of human rights, as 25 March 2020. When appointed, she was a professor of International Law at the Belarusian State University and the Director of the Peace Research Center.Douhan earned a PhD at the Belarusian State University in 2005 and a Dr.
Risk Factors
Our success depends primarily on the general economic conditions of the nation, the Houston metropolitan area and, to a lesser extent, that of the San Antonio and Dallas metropolitan areas
Unlike larger banks that are more geographically diversified, we provide banking and financial services to customers primarily in the market areas in which we operate
The local economic conditions of these areas have a significant impact on our commercial, real estate and construction loans, the ability of the borrowers to repay these loans and the value of the collateral securing these loans
A significant decline in general economic conditions, such as inflation, recession, acts of terrorism, an outbreak of hostilities, unemployment and other factors beyond our control will impact these local economic conditions and will negatively affect the financial results of our banking operations
In addition, Houston remains largely dependent on the energy industry
A downturn in the energy industry and energy-related business could indirectly and adversely affect our results of operations and financial condition
Our business development and marketing strategy primarily targets the banking and financial needs of owner-operated businesses with credit needs of under dlra4 million
If general economic conditions negatively impact this economic sector in the metropolitan areas in which we operate, our results of operations and financial condition will be significantly affected
If our allowance for credit losses is not sufficient to cover actual loan losses, our earnings could decrease
Our loan customers may not repay their loans according to the terms of these loans, and the collateral securing the payment of these loans may be insufficient to assure repayment
We may experience significant credit losses that could have a material adverse effect on our operating results
We make various assumptions and judgments about the collectibility of our loan portfolio, including the creditworthiness of our borrowers and the value of the real estate and other assets serving as collateral for the repayment of many of our loans
In determining the size of the allowance, we rely on our experience and our evaluation of economic conditions
If our assumptions prove to be incorrect, our current allowance may not be sufficient to cover future loan losses and adjustments may be necessary to allow for different economic conditions or adverse developments in our loan portfolio
Significant additions to our allowance would materially decrease our net income
In addition, federal and state regulators periodically review our allowance for credit losses and may require us to increase our provision for credit losses or recognize further loan charge-offs, based on judgments different than those we make
Any increase in our allowance or charge-offs as required by these regulatory agencies could have a negative affect on us
Fluctuations in interest rates could reduce our profitability
We realize income primarily from the difference between interest earned on loans and securities and the interest paid on deposits and borrowings
We expect that we will periodically experience “gaps” in the interest rate sensitivities of our assets and liabilities, meaning that either our interest-bearing liabilities will be more sensitive to changes in market interest rates than our interest-earning assets, or vice versa
In either event, if market interest rates should move contrary to our position, this “gap” will work against us, and our earnings may be negatively affected
We are unable to predict fluctuations of market interest rates, which are affected by the following factors: • inflation; • recession; • a rise in unemployment; 10 ______________________________________________________________________ [49]Table of Contents [50]Index to Financial Statementstightening money supply; • international disorder; and • instability in domestic and foreign financial markets
Our asset/liability management strategy, which is designed to address the risk from changes in market interest rates and the shape of the yield curve, may not prevent changes in interest rates from having a material adverse effect on our results of operations and financial condition
Competition with other financial institutions could adversely affect our profitability
We face vigorous competition from banks and other financial institutions, including savings institutions, finance companies and credit unions
A number of these banks and other financial institutions have substantially greater resources and lending limits, larger branch systems and a wider array of banking services
This competition may reduce or limit our margins on banking services, reduce our market share and adversely affect our results of operations and financial condition
Additionally, we face competition primarily from other banks in attracting, developing and retaining qualified banking professionals
We may not be able to maintain our historical growth rate which may adversely impact our results of operations and financial condition
We have initiated internal growth programs, completed various acquisitions and opened additional offices in the past few years
We may not be able to sustain our historical rate of growth or may not even be able to grow at all
We may not be able to obtain the financing necessary to fund additional growth and may not be able to find suitable candidates for acquisition
Various factors, such as economic conditions and competition, may impede or prohibit the opening of new branch offices
Further, our inability to attract and retain experienced bankers may adversely affect our internal growth
A significant decrease in our historical rate of growth may adversely impact our results of operations and financial condition
We may be unable to complete acquisitions, and once complete, may not be able to integrate our acquisitions successfully
Our growth strategy includes our desire to acquire other financial institutions
We may not be able to complete any future acquisitions and, if completed, we may not be able to successfully integrate the operations, management, products and services of the entities we acquire
We may not realize expected cost savings or make revenue enhancements
Following each acquisition, we must expend substantial managerial, operating, financial and other resources to integrate these entities
In particular, we may be required to install and standardize adequate operational and control systems, deploy or modify equipment, implement marketing efforts in new as well as existing locations and employ and maintain qualified personnel
Our failure to successfully integrate the entities we acquire into our existing operations may adversely affect our financial condition and results of operations
We operate in a highly regulated environment and may be adversely affected by changes in federal and local laws and regulations
We are subject to extensive regulation, supervision and examination by federal and state banking authorities
Any change in applicable regulations or federal or state legislation could have a substantial impact on us and our operations
Additional legislation and regulations may be enacted or adopted in the future that could significantly affect our powers, authority and operations, which could have a material adverse effect on our financial condition and results of operations
Further, regulators have significant discretion and power to prevent or remedy unsafe or unsound practices or violations of laws by banks and bank holding companies in the performance of their supervisory and enforcement duties
The exercise of this regulatory discretion and power may have a negative impact on us
11 ______________________________________________________________________ [51]Table of Contents [52]Index to Financial Statements