Rui Hachimura has become a consistent scorer for the Wizards, while racking up boards and hitting the deep ball. Dr. A recommends you roster the Wizards forward for the fantasy playoffs.
Rui Hachimura has become a consistent scorer for the Wizards, while racking up boards and hitting the deep ball. Dr. A recommends you roster the Wizards forward for the fantasy playoffs.
'I want to make sure the athletes I represent can also stand up for racial injustice or gender discrimination without fear of being reprimanded by their agent.'
The bet would return nearly $100,000 if Hamlin wins on Sunday.
Protesters against Myanmar’s military coup returned Friday to the streets of downtown Yangon, defiantly chanting their opposition to the army’s seizure of power as the junta chief prepared to attend a meeting of Southeast Asian leaders on the country’s crisis. Such open demonstrations in the center of Myanmar’s largest city all but stopped weeks ago, as the deadly crackdown on dissent by the security forces made it too dangerous. Yangon is where the first major demonstrations were held against the February coup that ousted the elected government of Aung San Suu Kyi.
Disney Channel has ordered a second season of its time-travel mystery-adventure series Secrets of Sulphur Springs. Since its January 15 premiere, the series has drawn strong ratings for Disney Channel. It has reached 8.4 million total viewers, ranked as the #1 series across all television with Girls 6-11, as well as #1 live-action series on […]
Italy reported 342 coronavirus-related deaths on Friday against 360 the day before, the health ministry said, while the daily tally of new infections fell to 14,761 from 16,232. Italy has registered 118,699 deaths linked to COVID-19 since its outbreak emerged in February last year, the second-highest toll in Europe after Britain and the seventh-highest in the world. The total number of intensive care patients fell to 2,979 from a previous 3,021.
Not all counties have seen a decrease in rental yields. Are you planning to invest in rental properties this year? If you want to max out your rental yields, then little Schuykill County, Pennsylvania, home to Pottsville, is your best bet.
Questions about Secrets of Sulphur Springs‘ Griffin, Harper and Savannah possibly being stuck in the 1930s — as well as the identity of old rocking chair man — are poised to be answered now that the Disney Channel has renewed the sci-fi tween drama for Season 2. The time-traveling series, which premiered in January and […]
Innovative Tech start up Xidas has joined forces with The World Alliance for Efficient Solutions to be a part of their Solar Impulse #1000 Solutions portfolio. The Solar Impulse Foundation, its experts and partners have identified, assessed and labelled 1,000 technological solutions capable of protecting the environment in a financially profitable way. Xidas's innovative products of energy harvesting solutions have been deemed crucial in making this happen.
The Mobile Area Association of Realtors (MAAR) and Gulf Coast MLS (GCMLS), and First Multiple Listing Service (FMLS) announced a new agreement today that benefits homebuyers, sellers, and real estate professionals throughout the Gulf Coast region and across a wide swath of the Southeastern United States.
GOFORE PLC STOCK EXCHANGE RELEASE 23 APRIL 2021 AT 19.00 EETNotice pursuant to Chapter 9, Section 10 of the Finnish Securities Markets ActGofore Plc has on 23 April 2021 received the following notification pursuant to Chapter 9, Section 5 of the Finnish Securities Markets Act, according to which Petteri Venola’s holding of Gofore Plc’s shares and voting rights has decreased below 10 per cent on 23 April 2021. According to the notification, the reason for the notification was disposal of shares or voting rights.Total position of Petteri Venola according to the notification: % of shares and voting rights% of shares and voting rights through financial instrumentsTotal of both in %Total number of shares and voting rights of issuerResulting situation on the date on which threshold was crossed or reached9.77-9.7715,052,231Position of previous notification(if applicable)--- Notified details of the resulting situation following the crossing of threshold: A: Shares and voting rights Class / type of sharesNumber of shares and voting rights% of shares and voting rights Direct(SMA 9:5)Indirect(SMA 9:6 and 9:7)Direct(SMA 9:5)Indirect(SMA 9:6 and 9:7)FI40002831301,470,000-9.77-SUBTOTAL A1,470,000 9.77 Further enquiries:Teppo Talvinko, CFO, Gofore Plc tel. +358 40 715 3660 email@example.com Gofore Plc is a digital transformation consultancy with close to 800 impact-driven employees across Finland, Germany, Spain, and Estonia – top experts in our industry who are our company’s heart, brain, and hands. We use our holistic service offering – consulting, coding, design and assurance – as tools to incite positive change. We care for our people, our customers, and the surrounding world. Our values guide our business: Gofore is a great workplace that thrives on customer success. In 2020, our net sales amounted to EUR 78 million. Gofore Plc’s share is listed on the Nasdaq Helsinki Ltd. in Finland. Get to know us better at www.gofore.com.
Ghent, April 23, 2021 – 18.00 CET – Press release / Regulated information Following the publication of its annual figures on 26 March 2021, and to announce the Annual General Meeting of 26 May 2021, ABO-Group announces today its annual report for 2020. The annual report can be consulted on the ABO-Group's website: http://www.abo-group.eu/en/investors/shareholder-structure/shareholdersmeetings/. There you will find the following documents: Convocation ordinary general meeting 2021Information for the shareholdersBallot paper ordinary general meeting 2021Procuration ordinary general meeting 2021Report of the board of directors to the ordinary general meetingStatutory Annual accounts 2020Report from the commissioner on the statutory financial accounts 2020Report from the commissioner on the consolidated financial accounts 2020 About ABO-Group The ABO-Group is a specialised engineering company focused on geotechnical engineering, the environment and soil remediation. Through its consultancy and testing & monitoring departments, the ABO-Group is active in Belgium, the Netherlands and France, as well as internationally. The ABO-GROUP guarantees its customers a sustainable solution. For a more detailed description of the operations of the group, please consult the ABO-Group website (www.abo-group.eu). For more information: Frank De Palmenaer CEO ABO-GROUP Environment NV firstname.lastname@example.org T +32 (0)9 242 88 88 Derbystraat 255, Maaltecenter Building G, B-9051 Ghent (SDW), Belgium Attachment Publication annual report and convocation of the ordinary general meeting on May 26 2021
Coastal Real Estate Group today announced its partnership with Side, the only real estate technology company that exclusively partners with high-performing agents, teams, and independent brokerages to transform them into market-leading boutique brands and businesses. The partnership will ensure that Coastal Real Estate Group, a firm that works tirelessly to be a local force for its clients, is powered by the industry's most advanced platform.
On May 6, investors will find out how the COVID-19 pandemic affected the meat-substitute maker's first-quarter 2021 results.
NOT FOR RELEASE, PUBLICATION OR DISTRIBUTION, IN WHOLE OR IN PART DIRECTLY OR INDIRECTLY, IN AUSTRALIA, CANADA, JAPAN OR THE UNITED STATES OR ANY OTHER JURISDICTION IN WHICH SUCH RELEASE, PUBLICATION OR DISTRIBUTION WOULD BE UNLAWFUL. Interoil Exploration and Production ASA (the "Company") refers to its previous announcements regarding the Company's ongoing share issue with gross process of up to NOK 30.4 million at a price per share of NOK 1.20 (the "Share Issue"). The application period for the Share Issue expired today, 23 April 2021, at 16:30 (CEST). A preliminary count of applications received during the application period shows that the Company has received applications for shares in the Share Issue corresponding to gross proceeds of approximately NOK 21.4 million. Allocations of shares in the Share Issue will be made at the discretion of the Company's Board of Directors and the completion of the Share Issue is conditional upon approval by the Company's Board of Directors. The Company expects to issue an announcement of the final results of the Share Issue on or about 26 April 2021, following the resolution by the Board of Directors. Important Notice The distribution of this announcement and other information may be restricted by law in certain jurisdictions. Copies of this announcement are not being made and may not be distributed or sent into any jurisdiction in which such distribution would be unlawful or would require registration or other measures. Persons into whose possession this announcement or such other information should come are required to inform themselves about and to observe any such restrictions. The securities referred to in this announcement have not been and will not be registered under the U.S. Securities Act of 1933, as amended (the "Securities Act"), and accordingly may not be offered or sold in the United States absent registration or an applicable exemption from the registration requirements of the Securities Act and in accordance with applicable U.S. state securities laws. The Company does not intend to register any part of the offering or their securities in the United States or to conduct a public offering of securities in the United States. This communication is only being distributed to and is only directed at persons in the United Kingdom that are (i) investment professionals falling within Article 19(5) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005, as amended (the "Order") or (ii) high net worth entities, and other persons to whom this announcement may lawfully be communicated, falling within Article 49(2)(a) to (d) of the Order (all such persons together being referred to as "relevant persons"). This communication must not be acted on or relied on by persons who are not relevant persons. Any investment or investment activity to which this communication relates is available only for relevant persons and will be engaged in only with relevant persons. Persons distributing this communication must satisfy themselves that it is lawful to do so. This announcement is for information purposes only and is not to be relied upon in substitution for the exercise of independent judgment. It is not intended as investment advice. This announcement is an advertisement and is not a prospectus for the purposes of Regulation (EU) 2017/1129 of the European Parliament and of the Council of 14 June 2017 on prospectuses to be published when securities are offered to the public or admitted to trading on a regulated market, and repealing Directive 2003/71/EC (as amended) as implemented in any Member State. Please direct any further questions to: email@example.com. This announcement has been published by Mr. Geir Arne Drangeid (Partner and Senior Advisor, First House AS) at 18:00 CEST on 23 April 2021. This information is subject of the disclosure requirements of section 5-12 of the Norwegian Securities Trading Act.
Matrix Artistic Director, Nick Stenson, Discusses Diversity in Haircare and Matrix Total Results New ‘Hair Diversity Matrix’
The "Refinish Paints - Global Market Trajectory & Analytics" report has been added to ResearchAndMarkets.com's offering.
This guy has serious talent…
Asset Quality, Stable Commercial Lending, Strong Residential Mortgage ActivityLYNCHBURG, Va., April 23, 2021 (GLOBE NEWSWIRE) -- Bank of the James Financial Group, Inc. (the “Company”) (NASDAQ:BOTJ), the parent company of Bank of the James, a full-service commercial and retail bank serving Region 2000 (the greater Lynchburg MSA), and the Blacksburg, Charlottesville, Harrisonburg, Lexington, and Roanoke, Virginia markets, today announced unaudited results for the three month period ended March 31, 2021. Net income for the three months ended March 31, 2021 was $1.84 million or $0.42 per diluted share, which was the highest quarterly earnings in Company history, compared with $995,000 or $0.23 per diluted share for the three months ended March 31, 2020. Robert R. Chapman III, President and CEO, commented: “The Company delivered strong earnings in the first quarter by capitalizing on market opportunities, particularly in residential mortgage originations as well as commercial lending under the Payroll Protection Plan (PPP). We maximized the value of revenue generated through disciplined interest expense management and by maintaining a strong balance sheet and high loan quality. As in past quarters, brisk residential mortgage activity contributed significant fee income and gains from the sale of mortgages to noninterest income, and fee revenue from ongoing PPP lending and forgiveness made meaningful contributions to interest income. “As pandemic conditions and economic uncertainties remain, we have continued our watchfulness, maintaining the strong cash position, liquidity and reserves built in 2020. We have continued to operate with a commitment to ensuring customer and employee health and safety. Technological capabilities and digital communications have enabled us to provide superior customer service and effectively manage operations.” Highlights Net income in the first quarter of 2021 was highlighted by noninterest income of $2.43 million, up 11% from $2.19 million in the first quarter of 2020, primarily reflecting mortgage loan processing fees and gains on the sale of originated residential mortgages to the secondary market, fees from electronic corporate treasury services, and mortgage loan processing.Total interest income was $7.37 million in the first quarter of 2021 compared with $7.49 million a year earlier. Other than PPP lending, commercial lending demand remained flat, primarily reflecting the impact of the pandemic and economic conditions on commercial loan demand, and pressure on interest rates.The Company lowered interest expense by 54% year-over-year, partially offsetting lower interest income and contributing to net interest income stability. For the three months ended March 31, 2021 net interest income was $6.75 million, up 10% from $6.14 million for the three months ended March 31, 2020.Net interest income after the provision for loan losses increased to $6.7 million at March 31, 2021 compared with $5.2 million at March 31, 2020, reflecting lower year-over-year interest expense and no provision for loan losses in the first quarter of 2021.Loans, net of the allowance for loan losses, were $606.5 million at March 31, 2021, compared with $601.9 million at December 31, 2020 and $570.7 million at March 31, 2020. Loan growth primarily reflected the addition of government-guaranteed PPP loans.Asset quality remained sound with a 0.32% ratio of nonperforming loans to total loans, reflecting strong credit quality and fewer nonperforming loans. The allowance for loan losses to total loans was 1.16% at March 31, 2021 (approximately 1.25% excluding government-guaranteed PPP loans).Total deposits increased to $801.2 million at March 31, 2021 from $765.0 million at December 31, 2020, reflecting continued core deposit growth (noninterest-bearing demand, NOW, savings and money market accounts) as customers maintained higher balances, attributable in part to government economic stimulus funds and additional PPP lending, and organic growth from increased retail and commercial deposit relationships.Total stockholders’ equity was $65.3 million at March 31, 2021 compared with $63.3 million at March 31, 2020, and book value per share was $15.11 compared with $14.59 a year earlier.On April 20, 2021 the Company’s board of directors approved a $0.07 per share dividend payable to stockholders of record on June 4, 2021, to be paid on June 18, 2021.During the first quarter of 2021, the Company' repurchased 14,600 shares of its common stock under conditions the Company deemed favorable and in compliance with Rule 10b-18 of the Securities Exchange Act of 1934. “While pandemic-related challenges and uncertainties have slowed normal business activity, we continue to position the Bank for an eventual return to normal activity. We have a strong loan pipeline in place. Meanwhile, we are strengthening commercial and retail banking relationships, providing treasury services to help customers efficiently manage their businesses, and providing service and capabilities that we expect will lead to long-term customer retention. “Our investment group, retail mortgage team and commercial bankers continue to provide exceptional service and support to customers. Their dedication and commitment is the main reason Bank of the James has been able to post strong financial results and continue delivering value to shareholders. Although COVID-19 conditions have interrupted our employees’ usual enthusiastic personal charitable and volunteer support of civic and charitable organizations, the Company has maintained its financial support for community outreach organizations during difficult times. We are grateful for the services they provide.” First 2021 Operational Review Total interest income was $7.4 million in the first quarter of 2021 compared with $7.5 million a year earlier, primarily reflecting declines in commercial lending demand (exclusive of PPP lending) and continuing downward pressure on interest rates. The Company’s interest expense was $617,000 in the first quarter of 2021, down 54% from $1.4 million a year earlier as the Company’s higher-cost time deposits continued to roll off and lower-cost core deposits (noninterest-bearing demand, NOW, savings and money market accounts) continued to grow. The Company trimmed rates on interest bearing liabilities to 0.39% in the first quarter of 2021, compared with 0.94% in the first quarter of 2020, and 0.55% in the fourth quarter of 2020. This decrease in rates paid on interest-bearing liabilities reflected the ongoing positive impact of reduced costs of time deposits and borrowings. In addition, in 2020 the Company took advantage of the lower rate environment to use the proceeds of a private placement of unregistered debt securities to retire existing, higher costing debt. Net interest income was $6.7 million for the three months ended March 31, 2021 compared with $6.1 million at March 31, 2020. The Company had no provision for loan losses in the first quarter of 2021.The return on interest earning assets was 3.66% in the first quarter of 2021 compared with 4.43% a year earlier. The net interest margin was 3.35% for the quarter ended March 31, 2021 and the interest spread was 3.27% compared with 3.63% and 3.49%, respectively, a year earlier. J. Todd Scruggs, Executive Vice President and CFO, commented: “We continue to address the challenges of a low interest rate environment, which has put pressure on yields from interest earning assets, including loans and investments. Although the substantial number of PPP loans we have made carry low rates, accreting some of the PPP fees into interest income has provided support for interest income. “Disciplined management of interest expense on deposits, no brokered borrowings, and strong loan quality leading to no loan loss provision in the first quarter of 2021 contributed to a year-over-year growth in net interest income after provision for loan losses.” In the coming quarters, the Company anticipates additional accretion of fees related to PPP loans as loans are forgiven or repaid. Scruggs noted in the near term these fees should have a positive impact on the margin. In the first quarter of 2021, noninterest income, including gains from the sale of residential mortgages to the secondary market and income from the Bank’s line of treasury management services for commercial customers, was $2.4 million compared with $2.2 million in the first quarter of 2020. Strong residential mortgage originations generated $1.8 million in gains from the sale of loans held-for-sale in the first quarter of 2021 compared with $1.2 million in the first quarter of 2020. Noninterest expense for the three months ended March 31, 2021 increased compared with a year earlier, primarily reflecting increased personnel expenses that included performance-based compensation for residential mortgage production and employee work on PPP loans. For the three months ended March 31, 2021, Return on Average Assets (ROAA) was 0.85% compared with 0.54% a year earlier, primarily reflecting asset growth and increased earnings. Return on Average Equity (ROAE) increased to 11.49% compared with 6.52% a year earlier. The Company’s efficiency ratio was stable at 75.03% in the three months ended March 31, 2021 compared with 74.47% in the prior year, reflecting a continued companywide focus on operating expense management and increased digital operations. Balance Sheet Review: Loan Quality, Maintaining Liquidity, Strong Reserving Total assets were $886.4 million at March 31, 2021 compared with $851.4 million at December 31, 2020 and $746.1 million at March 31, 2020. Asset growth primarily reflected increased loans, net of allowance for loan losses, driven by PPP loans. Compared with totals at December 31, 2020, loans held-for-sale declined while cash reserves and securities available-for-sale increased. The Company continued to maintain higher levels of cash and liquid assets consistent with economic conditions and the potential impact of COVID-19 on customers. Loans, net of allowance for loan losses of $7.1 million, were $606.5 million at March 31, 2021 compared with loans, net of allowance for loan losses of $7.2 million, of $602.0 million at December 31, 2020 and $570.7 million at March 31, 2020. Commercial loans were $155.2 million at March 31, 2021 compared with $115.5 million at March 31, 2020, with growth primarily reflecting the addition of PPP loans. Slower business activity and conservative borrowing during the pandemic has depressed commercial lending. Although the Company has approved and closed new commercial loans, activity has not been at a sufficient pace to offset payoffs and normal amortization. Management noted some businesses have used higher cash reserves to pay down lines of credit balances. Commercial real estate lending remained relatively stable year-over-year. At March 31, 2021, commercial mortgages-owner occupied were $109.7 million compared with $103.4 million a year earlier, while commercial mortgages-non-owner occupied were $170.5 million at March 31, 2021 compared with $182.5 million a year earlier. Commercial construction loans continued to demonstrate strength, rising to $31.7 million at March 31, 2021 from $16.7 million a year earlier. Consumer loans were relatively stable year-over-year. Retained residential mortgage totals declined to $42.9 million at March 31, 2021 from $53.0 million at March 31, 2020, reflecting the Company’s ongoing practice of selling originated residential mortgages to the secondary market and judicious management of retained mortgage loans. Residential construction loans were flat year-over-year. Asset quality has remained strong, with a ratio of nonperforming loans to total loans of 0.32% at March 31, 2021 compared with 0.34% at December 31, 2020. The allowance for loan losses to total loans was 1.16% (approximately 1.25%, excluding guaranteed PPP loans) at March 31, 2021 and 0.95% at March 31, 2020. Total nonperforming loans were $2.0 million at March 31, 2021 compared with $2.1 million at December 31, 2020. Other real estate owned declined to $761,000 at March 31, 2021 compared with $1.1 million at December 31, 2020. Chapman noted that while asset quality has been strong and nonperforming loans to total loans ratios have been low during the past year, the Company’s allowance for loan losses has remained at a level that is reflective of management’s estimate of probable losses inherent in the portfolio, which is primarily attributable to the economic uncertainties arising from the ongoing COVID-19 pandemic. Total deposits at March 31, 2021 were $801.2 million, compared with $765.0 million at December 31, 2020 and $668.3 million at March 31, 2020. As in the past several quarters, increased demand deposits accounted for the growth, in part due to increased balances held by businesses and organic growth in the Bank’s markets. Time deposits declined during the quarter as the Bank continued to allow higher interest time deposits to roll off. Core deposits (noninterest bearing demand, NOW, money market and savings) were approximately 80% of total deposits at March 31, 2021. The Company measures of shareholder value included total stockholder’s equity of $65.3 million at March 31, 2021, compared with $63.3 million at March 31, 2020, retained earnings of $26.2 million and book value per share of $15.11, down $0.27 from December 31, 2020 and up considerably compared with $14.59 per share at March 31, 2020. Strong quarterly earnings enabled the Company to repurchase 14,600 shares under its stock repurchase plan, and pay a $0.07 dividend per share. The Company intends to continue to take advantage of opportunities to repurchase shares at or below book value. About the Company Bank of the James, a wholly owned subsidiary of Bank of the James Financial Group, Inc. opened for business in July 1999 and is headquartered in Lynchburg, Virginia. The bank currently services customers in Virginia from offices located in Altavista, Amherst, Appomattox, Bedford, Blacksburg, Charlottesville, Forest, Harrisonburg, Lexington, Lynchburg, Madison Heights, Roanoke, and Rustburg. The bank offers full investment and insurance services through its BOTJ Investment Services division and BOTJ Insurance, Inc. subsidiary. The bank provides mortgage loan origination through Bank of the James Mortgage, a division of Bank of the James. Bank of the James Financial Group, Inc. common stock is listed under the symbol “BOTJ” on the NASDAQ Stock Market, LLC. Additional information on the Company is available at www.bankofthejames.bank. Cautionary Statement Regarding Forward-Looking Statements This press release contains statements that constitute "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. The words "believe," "estimate," "expect," "intend," "anticipate," "plan" and similar expressions and variations thereof identify certain of such forward-looking statements which speak only as of the dates on which they were made. Bank of the James Financial Group, Inc. (the "Company") undertakes no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise. Readers are cautioned that any such forward-looking statements are not guarantees of future performance and involve risks and uncertainties, and that actual results may differ materially from those indicated in the forward-looking statements as a result of various factors. Such factors include, but are not limited to, competition, general economic conditions, potential changes in interest rates, the effect of the COVID-19 pandemic, and changes in the value of real estate securing loans made by Bank of the James (the "Bank"), a subsidiary of the Company. Additional information concerning factors that could cause actual results to materially differ from those in the forward-looking statements is contained in the Company's filings with the Securities and Exchange Commission and previously filed by the Bank (as predecessor of the Company) with the Federal Reserve Board. CONTACT: J. Todd Scruggs, Executive Vice President and Chief Financial Officer (434) firstname.lastname@example.org FINANCIAL STATEMENTS FOLLOW Bank of the James Financial Group, Inc. and SubsidiariesDollar amounts in thousands, except per share data unaudited Selected Data:Three months endingMar 31, 2021Three months endingMar 31, 2020ChangeInterest income$7,365$7,488 -1.64%Interest expense 617 1,352 -54.36%Net interest income 6,748 6,136 9.97%Provision for loan losses - 888 -100.00%Noninterest income 2,434 2,186 11.34%Noninterest expense 6,889 6,197 11.17%Income taxes 458 242 89.26%Net income 1,835 995 84.42%Weighted average shares outstanding - basic 4,333,274 4,348,040 (14,766)Weighted average shares outstanding - diluted 4,333,274 4,348,040 (14,766)Basic net income per share$0.42$0.23$0.19 Fully diluted net income per share$0.42$0.23$0.19 Balance Sheet atperiod end:Mar 31,2021Dec 31,2020ChangeMar 31,2020Dec 31,2019ChangeLoans, net$606,485$601,934 0.76%$570,659$573,274 -0.46%Loans held for sale 4,150 7,102 -41.57% 6,134 4,221 45.32%Total securities 103,499 93,856 10.27% 58,675 63,343 -7.37%Total deposits 801,190 764,967 4.74% 668,270 649,459 2.90%Stockholders' equity 65,334 66,732 -2.09% 63,328 61,445 3.06%Total assets 886,360 851,386 4.11% 746,055 725,394 2.85%Shares outstanding 4,324,836 4,339,436 (14,600) 4,339,436 4,357,436 (18,000)Book value per share$15.11$15.38$(0.27)$14.59$14.10$0.49 Daily averages:Three months endingMar 31, 2021Three months endingMar 31, 2020ChangeLoans, net$604,264$574,1855.24%Loans held for sale 6,158 3,65368.57%Total securities 96,246 55,96271.98%Total deposits 788,308 659,86319.47%Stockholders' equity 64,794 61,2435.80%Interest earning assets 816,611 677,50520.53%Interest bearing liabilities 643,736 574,06012.14%Total assets 873,358 735,75918.70% Financial Ratios:Three months endingMar 31, 2021Three months endingMar 31, 2020ChangeReturn on average assets0.85%0.54%0.31 Return on average equity11.49%6.52%4.97 Net interest margin3.35%3.63%(0.31)Efficiency ratio75.03%74.47%0.56 Average equity to average assets7.42%8.32%(0.90) Allowance for loan losses:Three months endingMar 31, 2021Three months endingMar 31, 2020ChangeBeginning balance$7,156 $4,829 48.19%Provision for losses - 888 -100.00%Charge-offs (64) (260)-75.38%Recoveries 14 17 -17.65%Ending balance 7,106 5,474 29.81% Nonperforming assets:Mar 31,2021Dec 31,2020ChangeMar 31,2020Dec 31,2019ChangeTotal nonperforming loans$1,963$2,064-4.89%$1,454$1,30111.76%Other real estate owned 761 1,105-31.13% 1,761 2,339-24.71%Total nonperforming assets 2,724 3,169-14.04% 3,215 3,640-11.68%Troubled debt restructurings - (performing portion) 384 392-2.04% 409 410-0.24% Asset quality ratios:Mar 31,2021Dec 31,2020ChangeMar 31,2020Dec 31,2019ChangeNonperforming loans to total loans0.32%0.34%(0.02)0.25%0.23%0.02Allowance for loan losses to total loans1.16%1.17%(0.01)0.95%0.84%0.11Allowance for loan losses to nonperforming loans362.00%346.71%15.29 376.48%371.18%5.30 Bank of the James Financial Group, Inc. and SubsidiariesConsolidated Balance Sheets(dollar amounts in thousands, except per share amounts) (unaudited) Assets3/31/2021 12/31/2020Cash and due from banks$33,725 $31,683Federal funds sold 90,325 69,203Total cash and cash equivalents 124,050 100,886 Securities held-to-maturity (fair value of $3,948 in 2021 and $4,192 in 2020) 3,667 3,671Securities available-for-sale, at fair value 99,832 90,185Restricted stock, at cost 1,551 1,551Loans, net of allowance for loan losses of $7,106 in 2021 and $7,156 in 2020 606,485 601,934Loans held for sale 4,150 7,102Premises and equipment, net 16,925 16,621Software, net 303 361Interest receivable 2,256 2,350Cash value - bank owned life insurance 16,453 16,355Other real estate owned 761 1,105Other assets 9,927 9,265Total assets$886,360 $851,386 Liabilities and Stockholders' Equity Deposits Noninterest bearing demand 158,469 143,345NOW, money market and savings 497,191 463,506Time 145,530 158,116Total deposits 801,190 764,967 Capital notes 10,029 10,027Interest payable 64 85Other liabilities 9,743 9,575Total liabilities$821,026 $784,654 Stockholders' equity Common stock $2.14 par value; authorized 10,000,000 shares; issued and outstanding 4,324,836 and 4,339,436 as of March 31, 2021 and December 31, 2020 9,255 9,286Additional paid-in-capital 30,808 30,989Accumulated other comprehensive (loss) income (925) 1,792Retained earnings 26,196 24,665Total stockholders' equity$65,334 $66,732 Total liabilities and stockholders' equity$886,360 $851,386 Bank of the James Financial Group, Inc. and SubsidiariesConsolidated Statements of Income(dollar amounts in thousands, except per share amounts)(unaudited) For the Three Months Ended March 31,Interest Income2021 2020Loans$6,860 $7,005Securities US Government and agency obligations 191 187Mortgage backed securities 77 59Municipals 153 75Dividends 6 9Other (Corporates) 50 23Interest bearing deposits 14 64Federal Funds sold 14 66Total interest income 7,365 7,488 Interest Expense Deposits NOW, money market savings 135 326Time Deposits 373 897Finance leases 27 30Brokered time deposits - 49Capital notes 82 50Total interest expense 617 1,352 Net interest income 6,748 6,136 Provision for loan losses - 888 Net interest income after provision for loan losses 6,748 5,248 Noninterest income Gains on sale of loans held for sale 1,774 1,177Service charges, fees and commissions 554 488Life insurance income 98 78Other 8 12Gain (loss) on sales of available-for-sale securities - 431Total noninterest income 2,434 2,186 Noninterest expenses Salaries and employee benefits 3,732 3,354Occupancy 428 436Equipment 626 609Supplies 118 127Professional, data processing, and other outside expense 914 924Marketing 273 136Credit expense 276 196Other real estate expenses 66 99FDIC insurance expense 165 57Other 291 259Total noninterest expenses 6,889 6,197 Income before income taxes 2,293 1,237 Income tax expense 458 242 Net Income$1,835 $995 Weighted average shares outstanding - basic 4,333,274 4,348,040Weighted average shares outstanding - diluted 4,333,274 4,348,040Net income per common share - basic$0.42 $0.23Net income per common share - diluted$0.42 $0.23
As Mortal Kombat director Simon McQuoid revealed, he and his cast put many, many hours of “research” into making the latest film adaptation of the long-running video game series. But it wasn’t all fun and games: In bringing the franchise’s spine-ripping action to life, everyone went the extra mile to make Mortal Kombat’s hyper-stylized action feel real and authentic, doing much of the stunt work themselves. Ahead of the film’s release, The A.V. Club had the opportunity to speak with some of the supporting cast and learn about the intensive training and detailed fight choreography behind its most thrilling action scenes. In the video above, Max Huang (“Kung Lao”), Josh Lawson (“Kano”), Ludi Lin (“Liu Kang”), Jessica McNamee (“Sonya Blade”), and Joe Taslim (“Sub-Zero”) preview their favorite showdowns in the movie and tease one that didn’t quite make the cut.
Herpesyl supplement - Everything about the effectiveness of Herpesyl discussed. Detailed Herpesyl reviews with benefits, side effects and dosage.New York, NY, April 23, 2021 (GLOBE NEWSWIRE) -- Herpesyl is a dietary supplement formulated by Dr. Adrian Kavanaugh, using 26 highly potent natural ingredients to completely flush out the herpes virus from the body. For ages, we believe that the herpes virus cannot be cured completely as it affects the genes and immune system. The Herpesyl supplement, on the other hand, promises to wipe out the HSV-1 and HSV-2 from the body in a unique way. Through this Herpesyl review, we will be looking at how the supplement works to destroy the herpes virus completely from the body, the 26 proprietary ingredients, how much does the supplement cost, and what are the side effects it might trigger. Herpesyl Reviews - A Safe Supplement For Herpes Treatment? Rather than just a medical condition, herpes has become one of the most severe cosmetic concerns among people of all ages. It is hard to believe that about 25% of Americans are living with herpes. Untreated herpes can finally turn into encephalitis, meningitis, or even other dangerous conditions. Though the medical field has advanced enough, there wasn’t a permanent solution for herpes available until Herpesyl was introduced. Herpesyl promises to treat the cold sore outbreak and kill the herpes simplex virus completely. Through this Herpesyl review, let's take a look at how Herpesyl supplement helps cure the herpes virus completely and protect the body from recurrence. Product NameHerpsylMain BenefitsHelps to treat the root cause of the herpes virus.Main IngredientsGraviola leaf, Shitake, Burdock, and much moreCategoryHerpes CureAdministration RouteOralDosageTake one capsule per dayResultTake 2 to 3 monthsSide EffectsNo Major Side Effects reportedPrice$69.00 For one bottleAvailabilityOnly through the official websiteOfficial WebsiteClick Here What is Herpesyl? Herpesyl is a dietary supplement in the form of pills that offers quick relief from the herpes simplex virus. Herpesyl supplement guarantees eradication and prevention from both HSV1 and HSV2 viruses. Dr. Adrian Kanavanaugh and his team of experts have developed the natural herpes solution after decades of research and studies. It works by treating the root cause of the virus attack. Herpes virus is so tricky that it hides inside the body after attacking. It shields inside the protein called ICP 47 and becomes invisible to the immune system. The virus may stay disguised the same way for months or even years, and start attacking all of a sudden. Even the strongest immune system won’t be able to detect it hiding inside the body. From his curious research, Dr. Adrian could find that the herpes virus is directly linked to a highly dangerous process inside the brain, which has nothing to do with the genes or immune system. After finding that the herpes virus hides in the brain cells, which has a long survival rate when compared to the other cells in the body. Herpesyl Supplement Ingredients Herpesyl formula is made of 26 scientifically proven plant extracts and vitamins. They are carefully sourced from Asia, Africa, Brazilian Amazon, and Northern Europe. Vitamin C, Vitamin E, and Selenium: A combination of these three is a powerful formula to strengthen the nerve cells, neuronal pathway, and immune system. By strengthening the neural pathway, these three ingredients will help the brain send signals to the entire body for cleansing herpes. Selenium increases the glutathione levels that helps fight the virus attack and prevents the symptoms. Graviola leaf: With the abundance of antioxidants, this wonder herb has the potential to power up the immune system and strengthen the brain. It also helps cleanse brain cells by fighting against bacteria and parasites. According to some of the lab studies, Graviola is found to be effective in treating herpes and herpes simplex 2 virus. By directly fighting against the root cause of herpes, it helps wipe out the virus from the whole body. Shitake: A powerful mushroom that strengthens the immune system and nourishes the brain cells. According to research, it is found that Shitake can prevent cognitive decline apart from having many health benefits. Shitake helps in reversing the brain damages caused by the herpes virus attack. It is also known to improve cognitive functions. Burdock: Burdock is a medicinal root rich in anti-inflammatory properties and nutrients. It nourishes the brain and boosts the immune system. It can help fight against the herpes virus. Red raspberry, Grapeseed, Pomegranate, Turmeric, and Quercetin: Seeds are also a vital part of the Herpesyl formula against the herpes virus. A blend of these can help fight off the virus hiding within the brain cells. These natural ingredients also help you ensure the energy to fight back the virus. Red raspberries are high in vitamin c, which can boost the immune system. They also contain collagen that can help alleviate the sore breakouts caused by the herpes virus. Curcumin content in turmeric helps vital growth hormones in the brain. It supports healthy brain functions and prevents illnesses. >>>Click Here To Order Herpesyl Supplements From The Official Website What benefits can you expect? Herpesyl capsules contain the goodness of natural ingredients and extracts that offer many health benefits apart from treating herpes. It helps boost the energy level. Strengthens the immune system. Shields your body against the herpes virus. Strengthens the neuro connection between the brain and the rest of the body. Prevents HSV-1 and HSV-2 viruses. Nourishes skin. Improves memory. Treats herpes from its root. How does Herpesyl Supplement work? Herpesyl supplement works in the body and fights the herpes virus mainly through the three steps: Step 1- Absorbing the powerful nutrients from the ingredients: During this stage, the body will start the virus cleansing process with the help of these nutrients. Step 2- Nourishing the brain and fighting the virus: The body will begin the healing process once the brain absorbs all the nutrients from the formula. In this phase, your neural pathway will be strengthened to correct the brain’s functioning. Step 3- Preventing the recurrence: In the first two phases, the formula prepared the body to wipe out the virus completely. However, it is important to prevent the recurrence as well. The formula contains potential ingredients to prevent the virus attack in the future by strengthening the immune system and brain functions. Herpesyl Side effects, Dosage & How to use it? As Herpesyl supplement is formulated using only natural ingredients, it is claimed to be free of any potential health risks or side effects. As per the manufacturers, the Herpesyl capsule is free of any artificial ingredients or additives. Herpesyl formula is claimed to have undergone thorough lab tests and experiments to ensure the safety of the customers. As per the Herpesyl reviews by customers also report that Herpesyl supplement is safe to be taken by anyone suffering from the virus attack. The manufacturer recommends taking one capsule per day with a glass of water after food. Though Herpesyl supplement does not possess any health risks, it is advised not to be taken by pregnant or breastfeeding women and those who are under the age of 18. Those who suffer from serious medical illness or allergies are also recommended to consult a physician before taking a Herpesyl supplement. How long will Herpesyl take to see the result? Herpesyl Customer reviews and reports say that Herpesyl supplement acts prompt and delivers results within a few weeks itself. According to the manufacturers, you will be able to notice bodily changes once the body assimilates all the nutrients in the formula. They say that the Herpesyl formula starts its fight against the herpes virus from the moment you take the Herpesyl pill. However, it is recommended to take a Herpesyl pill for at least 2 to 3 months to ensure the best results and maintain them. How long will the results stay? Herpesyl results would depend upon how properly you are in taking the supplement. If you follow the manufacturer's guidelines while taking the supplement, you can expect long-lasting results. It is important to believe in the medication or supplement you are taking to gain the best results. For lasting results, you should go for long-term supplementation, at least 3 to 6 months. Herpesyl Price & Where to get it? Herpesyl supplement is available only on the official website. You cannot get it from any other online store or another local drug store. Even if you find some websites selling Herpesyl supplements on a price slash, it is safe to stay away from buying Herpesyl through such platforms. Herpesyl price packages as per the official website are as follows: 1 bottle of 30 days supplies at $69 along with a small shipping fee. 3 bottles of 90 days supply at $59 per bottle with free US shipping. 6 bottles of 180 days supply at $49 per bottle with free US shipping. ⇒ Get Latest Price & Offers For Herpesyl Here All the packages are covered by a 100% money-back guarantee for 60 days. If you are not satisfied with the Herpesyl results, you can claim all your money back within 60 days of purchase. The money-back guarantee lets you try the Herpesyl supplement for two months, without any risks. The money-back guarantee is hassle-free as it is a no-question-asked, risk-free policy by the manufacturer. Herpesyl Customer Reviews & Complaints As of now, Herpesyl is trending in the market as the breakthrough solution for herpes attacks. There haven’t been any customer complaints or negative feedback regarding the supplement. Almost all the Herpesyl reviews support the supplement with highly positive feedback. However, a negligible number of people have come with negative reports that they didn’t get expected results. Going into the complaints deeper, it is understood that they have failed to follow the guidelines of the manufacturer while taking the supplement. Those who complained have either haven’t taken Herpesyl supplement for a minimum period or were wrong regarding the dosage. So, it is important to follow the proper guidelines by the manufacturer to get the perfect results. Is Herpesyl Supplement legit? From Herpesyl customer reviews and reports, it can be concluded that the supplement is reliable and a legit solution to treat herpes. There are no negative reports that question the credibility of the Herpesyl supplement. Final Verdict - Herpesyl Reviews As you know, there are no effective medications or treatments available until now to treat herpes completely. You might find many in the market, however, they fail to prevent the recurrence of virus attacks. Most of the treatments only focus on alleviating the herpes symptoms. Herpesyl is the only breakthrough solution that works in the roots to curb the virus completely. Herpesyl formula is a result of years of research and effort by many experts in the medical industry. They have infused all their knowledge and findings to formulate an effective herpes solution. Unlike other medications, Herpesyl is potential enough to treat both HSV-1 and HSV-2 viruses. It can kill both from their roots and prevent further viral attacks. Apart from just treating herpes, Herpesyl supplement also offers to strengthens your brain function, neural pathways, immune system, and nourishes the skin! You will be able to save your skin from the debilitating and frustrating virus attack forever. Herpes is definitely a confidence-draining condition that needs to be cured of its roots. If you are someone who has been looking for a feasible solution for herpes, you are at the right place to make a decision now. Trying out Herpesyl supplement is completely risk-free as it comes with a 60-day 100% money-back guarantee. Act today to save your skin and body from the herpes attack! >>>Click Here To Order Herpesyl Supplements From The Official Website(60 Days Money Back Guarantee) Official Website - herpesyl.com Contact Details: Herpesyl email@example.com TOLL FREE 424-207-1558 About ConsumersCompanion ConsumersCompanion is an e-commerce news and product review website for dietary supplements including vitamins, and we are dedicated to presenting only the most effectual supplements manufactured by the most trusted brands in the industry. We’re dedicated to giving information about products that facilitate your health. Each natural supplement, you’ll find on our website have been judged by our research team for its quality. Every product we highlight is backed by a money-back guarantee and our secure website confirm a safe shopping practice for our customers. In addition, our knowledgeable experts are ready to clarify all your doubts and help you gain better health. It’s sometimes hard to cut through all the junk that’s out there when all you require is a solution to your trouble. Marketing professionals have knowledge about the health issues people have and they take advantage of our strong desires to gain better health. Affiliate Disclosure:The links contained in this product review may result in a small commission to ConsumersCompanion if you opt to purchase the product recommended at no additional cost to you. This goes towards supporting our research and editorial team and please know we only recommend high quality products.Disclaimer:Please understand that any advice or guidelines revealed here are not even remotely a substitute for sound medical advice from a licensed healthcare provider. Make sure to consult with a professional physician before making any purchasing decision if you use medications or have concerns following the review details shared above. Individual results may vary as the statements made regarding these products have not been evaluated by the Food and Drug Administration. The efficacy of these products has not been confirmed by FDA-approved research. These products are not intended to diagnose, treat, cure or prevent any disease. Product support: firstname.lastname@example.org Media Contact: email@example.com