|
|
Quarterly Banking Profile: Credit
Quality Remains Stressed, Capital Levels Are Up |
|
 It
was no surprise this week when the FDIC reported continued
declines in asset quality and increases in losses as part of its
Quarterly Banking Profile. FDIC Chairman Sheila Bair pointed out these are not unusual results in the wake of significant
economic stress. "Banking industry performance is -- as always
-- a lagging indicator. The banking industry, too, can look
forward to better times ahead. But, for now, the difficult and
necessary process of recognizing loan losses and cleaning up
balance sheets continues to be reflected in the industry's
bottom line." Nationally, commercial banks and savings
institutions insured by the FDIC reported an aggregate net loss
of $3.7 billion in the second quarter of 2009. In Georgia, the
story was similar.
Year-to-date
net income
attributable to banks was a $1.8 billion loss. Year-to-date loan loss
allowance, non-current loans and net charge offs all increased.
|
|
“We expected
to see this type of quarterly report because through the second
quarter, the economic conditions in Georgia had not improved,”
said
Joe Brannen, GBA president and CEO. “Some of our banks continue
to experience significant losses as well as to set aside
reserves for possible losses. And, we know that the investment
losses caused by the Silverton Bank closure on banks that were
their investors and the FDIC special assessment of
more than $133 million on our banks also were significant
factors in this quarter’s results.” There are a few positive
trends to note for the state, however. Georgia’s cost of funding
is at its lowest point in more than a year, and capital ratios
showed improvement. Total risk based capital for all banks
increased for the second consecutive quarter and is above the
level it was at the same time last year. See the chart below for
more details. We're including more quarters than we usually do
with this report so you can see the trend lines. |
|
Measurement
(Year-to-date data) |
Georgia
6/30/09 |
Georgia
3/31/09 |
Georgia
12/31/08 |
Georgia
9/31/08 |
Georgia
6/30/08 |
National
6/30/09 |
National
6/30/08 |
|
Institutions |
324 |
328 |
334 |
339 |
354 |
8,195 |
8,451 |
|
Employees |
49,024 |
50,054 |
50,848 |
51,729 |
54,140 |
2.1M |
2.2M |
|
Assets |
$283.2B |
$289.3B |
$300.3B |
$283.5B |
$287.5B |
13.3T |
13.3T |
|
Deposits |
$213.7B |
$216.9B |
$209.3B |
$207.4B |
$208.5B |
9T |
$8.5T |
|
Gross Loans and Leases |
$211.9B |
$214.1B |
$215.5B |
$218.5B |
$217.7 |
$7.6T |
$8T |
|
%
Profitable |
43.21 |
55.49 |
51.8 |
59.29 |
66.38 |
64.94 |
55.15 |
|
Cost of Funding Earning Assets |
1.83% |
1.90% |
2.51% |
2.63% |
2.74% |
1.41% |
2.67% |
|
Net
Interest Margin |
3.03% |
2.96% |
3.18% |
3.29% |
3.27% |
3.43% |
3.35% |
|
Net
Income attributable to bank |
-1.8B |
-1.2B |
$111.8M |
1.2B |
$942.5M |
$2.6B |
$24B |
|
Return on Assets |
-1.25% |
-1.63% |
0.04% |
0.57% |
0.66% |
0.04% |
0.36% |
|
Return on Equity |
-11.70% |
-15.56% |
0.39% |
5.00% |
5.82% |
0.38% |
3.55% |
|
Loss Allowance/Loans |
2.30% |
2.15% |
1.85% |
1.59% |
1.49% |
2.77% |
1.81% |
|
Noncurrent Loans/Loans |
5.54% |
4.77% |
4.06% |
3.49% |
3.03% |
4.35% |
2.08% |
|
Equity Capital to Assets |
10.62% |
10.49% |
10.48% |
11.25% |
11.15% |
10.56% |
10.16% |
|
Total Risk-Based Capital Ratio |
12.20% |
11.87% |
11.75% |
11.77% |
11.64% |
13.76% |
12.85% |
|
Other Real Estate Owned |
$2.8B |
$2.5B |
$2.2B |
$1.92B |
$1.5B |
$34.1B |
$19.9B |
|
Net
Charge-Offs |
$2.5B |
$1.1B |
$2.8B |
$1.7B |
$945.8M |
$86.5B |
$46B |
|
Net
Charge Offs to Loans |
2.33% |
2.00% |
1.31% |
1.03% |
0.88% |
2.24% |
1.16% |
|
|
|
Resource: Help Reassure Consumers about the Strength of
FDIC-Insurance |
|
Your customers' insured
deposits are fully protected by the FDIC-insurance fund. That’s
a message that continues to need emphasis. This week’s release
of the quarterly banking profile resulted in a number of news
stories focusing on the fund balance and how it has been
affected by bank closures of late. So, we’re sure employees,
customers, family and friends have this on their minds.
We’ve
developed a
Communications Guide with some facts and figures to help you
explain that the fund remains solid. |
|
In its
quarterly banking report, FDIC said it has $42 billion in
reserves to insure deposits from bank closures, with additional
borrowing authority of up to $500 billion from the Treasury if
necessary and the full faith and credit of the U.S. Government.
As FDIC Chairman Bair said, “No one has ever lost a penny of
FDIC-Insured deposits, and no one ever will.” If you have
questions, contact
David Oliver, 404.420.2036. |
|
|
FDIC Board Extends TAGP through Mid 2010,
Rules on Private Equity Investment Criteria |
 The FDIC Board
Wednesday
voted unanimously to extend the Transaction Account Guarantee
Program providing unlimited FDIC insurance to certain
noninterest-bearing accounts to June 30 of next year and give
banks a window to opt-out at the beginning of 2010. The
extension includes a risk-based fee structure for participating
banks that would charge a range of 15 to 25 basis points,
according to risk category. GBA had filed a comment letter
encouraging the extension and we were pleased with the
extension. |
|
In another
important decision, the board
approved a final
policy statement about qualifications for failed bank
acquisitions. The policy sets capital and ownership standards
that private equity groups must meet to buy banks in FDIC
receivership. The
board set a capital standard ratio of Tier-1 common equity to
total assets of 10%. The original proposal for this ratio was
15%. The policy also requires equity investors to hold their
investment position in closed-bank acquisition for three years, which
was the original proposal.
With questions, contact
Joe Brannen, 404.420.2026, or
Elizabeth Chandler, 404.420.2027. |
|
|
Regulatory Reform Update: A
Look at CFPA Proponents |
|
 The
proposed Consumer Financial Protection Agency legislation
has more than its fair share of proponents out there telling
their side of the story. An
article in a recent edition of the Washington Post
profiled Americans for Financial Reform, which we
told you about in an earlier Bulletin, a coalition of nearly 200
organizations deeply committed to enacting legislation to create
the Consumer Financial Protection Agency. “We know what true
comprehensive financial reform is, and we aren't going to stop
until we get it,” said coalition Director Heather Booth. |
|
Of particular interest is that the
group has hired a communications firm, is developing a national
advertising strategy and is conducting grassroots activities in key
states. As we’ve noted in previous Bulletins, GBA opposes
the proposed Consumer Financial Protection Agency and the
elimination of thrift and mutual charters. We continue to urge
you to share your concerns with your representative during the
August Congressional recess. We sent member CEOs some background
information a couple of weeks ago that may be helpful during
those discussions. With questions, contact
Joe Brannen, 404.420.2026, or
Elizabeth Chandler, 404.420,2027. |
|
|
Comments Sought on Accounting
Standards for Securitized Assets, other Off-Balance-Sheet Items
|
 Federal
banking and thrift regulatory agencies are seeking comment on
a proposed regulatory capital rule related to the Financial
Accounting Standards Board's adoption of Statements of Financial
Accounting Standards Nos. 166 and 167. Beginning in 2010, these
accounting standards will make substantive changes to how
banking organizations account for many items, including
securitized assets, that are currently excluded from these
organizations' balance sheets. Banking organizations affected by
the new accounting standards generally will be subject to higher
minimum regulatory capital requirements. |
|
The
agencies’ proposal seeks comment and supporting data on whether
a phase-in of the increase in regulatory capital requirements is
needed. It also seeks comment and supporting data on the
features and characteristics of transactions that, although
consolidated under the new accounting standards, might merit an
alternative capital treatment, as well as on the potential
impact of the new accounting standards on lending, provisioning
and other activities. Comments on all aspects of the proposed
rule are due within 30 days after its publication in the
Federal Register,
which is expected shortly. With questions, contact
Elizabeth Chandler, 404.420.2027. |
|
|
2009
BankPAC Campaign Update |
Since our last
update, the officers, directors and staff of HeritageBank of
the South, Albany, Len Dorminey, CEO, have
contributed to the GBA FedPAC.
The following companies have contributed to the GBA StatePAC:
-
HeritageBank of the South,
Albany, Len Dorminey, CEO
-
Pelham
Banking Company, Suzanne Anderson, CEO
-
South
Georgia Banking Company,
Tifton, Pait Willis, CEO
|
|
 The contribution forms can be downloaded here.
Please see the
BankPAC Update for year to date contributions by group. For
more information, please contact
Elizabeth Chandler at 404.420.2027.
|
|
|
Countdown
to Fall Economic Forums Hits Two-Week Mark, Reserve Your Seat
Now |
|
Just a reminder that GBA’s Fall
Economic Forums are less than two weeks away! Don’t miss the
opportunity to hear timely overview of the current national and
regional economic environment from Dr. Roger Tutterow,
professor of Economics at
Mercer
University in Atlanta. Georgia Banking Commissioner
Rob Braswell will also be on hand to discuss current
issues in bank regulation, the banking climate from the
Department’s view and answer your most pressing questions.
|
|
New this year, a panel comprised
of local business leaders will also share their insight on the
business climates in their communities. These forums will be
held
Sept. 9 at Doublegate
Country Club in Albany,
Sept. 10 at Savannah Quarters in Savannah
and
Sept. 22 at the Cobb
Galleria Centre in Atlanta. A luncheon and the
opportunity to network with your colleagues will follow the
meetings. With questions, please contact GBA’s
Susie McGehee at 404.420.2010. |
|
|
GBAU-Edge
Publication Coming Next Week |
|
 Be
on the lookout in your inbox next week for the next edition of GBAU-Edge,
our monthly e-publication focusing on education and professional
development.
|
|
You’ll get
an in-depth look at all of our upcoming programs that can help
you, your bank and your co-workers continue to provide the
highest-quality banking for your customers and shareholders. |
|
|
Georgia Banking School
Special: First-Year Students Can save $125 by Registering before
Jan. 1 |
|
The annual early registration special is now available to
first-year students who register for the
Georgia Banking School before Jan. 1, 2010. |
|
First-year students will save $125. Call GBA’s
Marybeth Jones at 404.420.2032 for details. |
|
|
Sign
up Now for Southern Operations & Technology School |
|
The
Southern Operations & Technology School is the most
comprehensive resource in the southeast for bank operations and
technology training. This year’s session is scheduled for
Nov. 1-6 at the University of Georgia in Athens. The primary
goals of the school are to strengthen management skills,
increase awareness of regulatory and compliance issues, and
expose students to current and future technologies and products.
|
|
 The
school will help students develop an understanding of the
interrelatedness of key operations areas and how they contribute
to the bank’s profitability, as well as promote an understanding of
other functional areas of the bank and how bank operations
affect those areas. For more details or to register, please call
GBA’s
Marybeth Jones at 404.420.2032. |
|
|
2009-2010 Bank Security Academy Scheduled |
|
Look for full
details next week about GBA’s 2009-2010 Bank Security Academy.
The Security
Committee has carefully planned the curriculum for this popular
GBA University offering. The curriculum includes topics in which every
security officer should be trained. These topics include
bank
robbery procedures, physical security,
employee
investigations,
effective
information security management,
fraud
and
compliance. |
|
The Academy
consists of five sessions scheduled throughout the year plus the
annual
conference. The brochure with all the dates and
details will be included in next
week’s Bulletin. For more information, please call GBA’s
Marybeth Jones at 404.420.2032 or
Courtenay Pope at 404.420.2015. |
|
|
Fraud Alert: Watch out for ACH
Batch Fraud |
 We
haven’t heard any specific anecdotes about Georgia ACH Batch fraud,
but another state banking Association recently shared some
information about ACH batch fraud being on the rise there. So,
we thought it was worth giving a head’s up to all of you. This
scam starts with a customer (usually corporate) whose computer gets
infected with a keylogger virus, causing every keystroke to go
unencrypted to an unintended source. The fraudsters collect data
such as account numbers and passwords, then use this to initiate
an ACH batch from that customer to banks across the United
States. The money will be dumped into accounts where they have
already hooked someone into believing they are
"working-at-home." The customer receiving the funds has already
given their account information out with hopes of getting rich redistributing funds for a
company overseas. In reality, they are instructed to wire the
funds as soon as they are received, keeping a small percentage
for their "work." The funds will then be in the hands of
fraudsters who are out of country and cannot be easily
investigated and prosecuted. The trail of money is especially difficult to
trace when funds are wired through Western Union. |
|
 Losses
before detection of the fraudulent ACH batch often rise to the
$150,000 to $200,000 range, but smaller amounts are being
reported. If you or your customer detects the fraud immediately
after funds are wired, you have a good chance of recovering the
funds. If, however, the fraud has been going on as long as even
a day or two, there can be substantial unrecoverable losses.
These losses are usually taken by the customer, but some bankers
have opted to take the losses themselves rather than have the
bad publicity that could accompany a large loss to a customer.
It is common to see school districts targeted this way and their
budgets are usually strained anyway without this type of loss.
Consumer education, employee training and up-to-date information
security software and procedures are the keys to stopping this
type of fraud. Here’s a link to a good background
resource. And, don’t forget that GBA has
resources that can help you prevent fraud, such as the
FinCrime online fraud alert system,
Gladiator Technology, a GBA Strategic Partner, and
a number of
Associate Members offering security and IT services. |
|
|
Provide Your Company with
Flood Zone Relief for Challenging Times |
During the best
of times, lenders seek reliable, easy-to-use services offered at
a fair price. In a turbulent financial climate, these requests
quickly turn into critical needs. GBA Strategic Partner
Federal Flood Certification Corp. calms the Flood Zone
Determination process through its cost-effective approach that
protects lenders, expedites the closing process, and helps the
bottom line. Federal Flood offers:
-
Easy Access to fully transferable Life of Loan certificates
-
Free Letter of Map Amendment and Letter of Map Revision
-
Free Home Mortgage Disclosure Act data
-
Free rush
service
|
|
Federal Flood maintains an experienced staff and a
commitment to the latest in technology, providing
readily available expertise and support through a
variety of platforms. For more information, please
call Federal Flood’s
Ed Mclin at 214.441.5903 or GBA’s
Levi Crabtree at 404.420.2022. |
|
|
More Flood Insurance News:
Regulators Seek Comment on Flood Insurance Q&As
|
 The
federal bank, thrift, credit union and Farm Credit
System regulatory agencies released revised interagency
questions and answers regarding flood insurance and
requested public comment on several new ones. The
Interagency Questions and Answers Regarding Flood
Insurance (2009) consist of 77 questions and answers,
which were revised based in part of comments received
during the public comment period. |
|
The
Federal Deposit Insurance Corporation, Federal Reserve
Board, National Credit Union Administration, Office of
the Comptroller of the Currency, Office of Thrift
Supervision, and Farm Credit Administration invite
comment on the five proposed questions and
answers and, more generally,
on other issues and concerns about compliance with
the federal flood insurance statutes and regulations.
Comments specific to the proposed questions and answers
are requested by Sep. 21, 2009. Please use the
Federal Register
notice with instructions about how to submit comments. |
|
|
Do you know which customers
are generating a profit for your bank? |
 We
know our members are under
increasing pressure to
maximize your bottom line profit. However, many banks are
unable to identify the customers who are generating their
profit. If you do not know who is generating profit, it is
difficult to effectively manage your bank’s bottom line.
GBA Strategic Partner
Fidelity National Information Services, Inc. (FNIS) can
provide you with the capability of knowing who your most
profitable customers are and will assist you in developing a
plan to retain these customers. Fidelity will customize
their profitability module, CONNECTIONS, for your bank to
accurately calculate the profitability of each account each
month. You will not only be able to identify which customers
are profitable, you will also receive a comprehensive analysis of
the profitability of your bank through the following reports:
Profit
by Decile
- Displays the most-profitable to least-profitable
customers.
|
|
Profit
by Portfolio
- Displays the loan, deposit and overall profit for all
customers by employee.
Profit
by Group
- Displays customer profitability by category (Bronze,
Silver, Gold, Diamond, etc.)
Profit
by Location
- Displays the current and average profit for each location.
Product
Profit & Loss
- Displays the number of accounts, balance and profit for
each product.
To ensure the accuracy of these reports, CONNECTIONS will provide a
total profit for your bank and balance it to your general ledger
each month.
Click here to view an online demo of FNIS’ CONNECTIONS module.
If you would like to learn more about CONNECTIONS, please
contact
Bill Armistead, Vice President of Fidelity National
Information Services, Inc., at 205.222.4003. |
|
|
GBA Associate Member Search Feature Makes
Finding a Good Vendor Easy |
|
GBA has almost two hundred Associate Members that support our
industry and offer great products and services. We encourage you
to think of them, as well as our
Strategic Partners, when seeking a service provider or
expert that you don't have on staff. Our web site offers a
handy feature to help. You can
search for Associate Members by category. |
|
There are 29 categories to search from, covering businesses
types such as accounting to office furniture and everything in
between. Give it a try next time you're on the hunt for a
business partner. With questions about our Associate Member
program, contact
Kenyetta Parks, 404.420.2035. |
|
|
Find a Job, Post a Job with GBA Job Bank |
|
The Georgia
Bankers Association offers free job posting resources for our
member banks. These listings can be viewed
online or through our bi-weekly publication included in the
GBA Bulletin. |
|
 Resume
postings
are also available. For more information, please call
Kenyetta Parks at 404.420.2035. |
|
|
Read
All About It -- Send
Us Your News |
|
Please remember
to include the Georgia Bankers Association on the list of
recipients for announcements about promotions, new employees and
special recognition your bank has received. |
|
We want to
share your news with your colleagues across the state. Please
forward your announcements and photos to GBA's
Lydia Thomas. |
|
Newsmakers
|
|
|
|
Atlanta - Midtown Bank
Colleen Conaty
has joined the bank as Vice President and
Treasury Manager and Randy Harris as Vice President and
Commercial Banker.
Savannah - The Coastal Bank
Caroline "Tut" Sanford-Gee has joined the bank as
Director of Human Resources. |
|
Conaty |
Harris |
Sanford-Gee |
|
|
Calendar of Events |
|
|
Details for
August &
September |
|
|
|
Conferences |
|
|
Sept. 17-18 |
Compliance Conference |
Macon |
|
Oct. 4-6 |
Bank Counsel Conference |
Greensboro |
|
Oct. 4-6 |
President/CEO Conference |
Greensboro |
|
Oct. 27-28 |
Marketing Conference |
Atlanta |
|
Dec. 3-4 |
Credit Conference |
Atlanta |
|
Jan. 20-21, 2010 |
Financial Risk Management Conference |
Atlanta |
|
Mar. 2-3, 2010 |
Operations and Technology Conference |
Atlanta |
|
Mar. 17-19, 2010 |
HR Professionals Institute |
Atlanta |
|
Apr. 13-14, 2010 |
Security Conference |
Atlanta |
|
May 13-14, 2010 |
Rural Development and Lending Conference |
Savannah |
| |
|
|
|
|
Conventions/Events
|
|
|
Sept. 9 |
Fall Economic Forum |
Albany |
|
Sept. 10 |
Fall Economic Forum |
Savannah |
|
Sept. 22 |
Fall Economic Forum |
Atlanta |
| |
|
|
|
|
Schools |
|
|
Nov. 1-6 |
Southern Operations and Technology School |
Athens |
|
Feb. 22-24, 2010 |
Southeastern School of Advanced Commercial Lending |
Nashville, TN |
|
March 7-12, 2010 |
Southeastern School of Consumer Credit |
Nashville, TN |
|
May 2-7, 2010 |
Georgia Banking School |
Athens |
|
|
|
|
|
|
Seminars
|
|
|
Aug. 31 |
Construction Lending, Part 1: Consumer Construction Loans |
Webinar |
|
Sept. 2 |
Network Security 2009, Part 3:
Social Engineering: The Easiest Way to Get Access to Your
Systems or Information |
Webinar |
|
Sept. 3 |
Opening New Accounts I |
Webinar |
|
Sept. 3 |
IRA Basics |
Webinar |
|
Sept. 3 |
Implementing the New Regulation Z, Part 1: Advertising Rules |
Webinar |
|
Sept. 4 |
New Flood Insurance Questions &
Answers |
Webinar |
|
Sept. 8 |
Security & Risk Management, Part 3-
Insider Abuse & Contractor Fraud |
Webinar |
|
Sept. 10 |
Learn From Others' Mistakes - Common Compliance Violations and
How to Avoid Them |
Webinar |
|
Sept. 10 |
FDIC Insurance: What Your Customers Want to Know |
Webinar |
|
Sept. 10 |
Loan Documentation |
Macon |
|
Sept. 10 |
Implementing the New Regulation Z, Part 2: Higher Priced
Mortgage Loans & Other New Rules |
Webinar |
|
Sept. 11 |
Implementing the New Regulation Z, Part 3- Escrow Requirements |
Webinar |
|
Sept. 14 |
Construction Lending, Part 2: Commercial Construction Loans |
Webinar |
|
Sept. 15 |
Safe Deposit the Fundamentals - 2009 Update |
Webinar |
|
Sept. 15 |
Managing a Successful Branch, Part 1 |
Webinar |
|
Sept. 16 |
Understanding Deferred Taxes |
Macon |
|
Sept. 16 |
Paper Checks, Remote Deposit Capture, ACH & Electronic
Transfers: What Law Applies & Who is Liable- |
Webinar |
|
Sept. 16 |
GBA Insurance Trust Online Enrollment System and General Update
Seminar |
Seminar |
|
Sept. 17 |
Dealing with Subpoenas, Summonses, Garnishments & Tax Levies |
Webinar |
|
Sept. 17 |
These People Drive Me Crazy |
Webinar |
|
Sept. 17 |
Effective Compliance with Proposed
Appraisal Guidelines |
Webinar |
|
Sept. 22 |
Managing a Successful Branch, Part 2 |
Webinar |
|
Sept. 22 |
IRA Update and Review Workshop |
Gainesville |
|
Sept. 23 |
IRA Update and Review Workshop |
Macon |
|
Sept. 23 |
Managing Credit Risk with Effective Stress Testing |
Webinar |
|
Sept. 24 |
Mortgage & Real Estate Fraud
Security |
Webinar |
|
Sept. 25 |
OFAC Policies: What should we say- How should we say it- |
Webinar |
|
Sept. 29 |
Bank Secrecy Act Staff Training |
Webinar |
|
Oct. 14 |
Introduction to Consumer Lending |
Macon |
|
Oct. 22 |
Advanced Loan Documentation |
Macon |
|
Nov. 4 |
Analyzing Personal Financial Statements |
Macon |
|
Nov. 10 |
Bankruptcy, Garnishment, Liens & Levies |
Macon |
|
Nov. 17 |
Advanced Consumer Lending |
Macon |
|
Dec. 10 |
Collections and Recoveries |
Macon |
|
Dec. 16 |
Bank Secrecy Act Compliance - A NEW ERA |
Macon |
|
Dec. 17 |
Analyzing Commercial Financial Statements |
Macon |
| |
|
|
| |
American Institute
of Banking (AIB) |
|
|
Ongoing |
AIB Online Courses |
Online |
|
Ongoing |
AIB Online -
Instructor-led |
Online |
|
|
|
|
|
|
AIB Classroom Courses |
|
|
Sept. 15 |
Analyzing Financial Statements |
Atlanta |
| |
|
|
|
Board/Committee Meetings |
|
|
Sept. 24-25 |
Leadership GBA Fall Planning Meeting |
Atlanta |
|
Oct. 6 |
GBA Board of Directors |
Greensboro |
|
Jan. 13, 2010 |
GBA Board of Directors |
Atlanta |
|
|
|
|
|
|
Roundtables/Peer Groups |
|
|
Oct. 21 |
Finance/Operations Roundtable, Group A |
Macon |
|
Oct. 22 |
Finance/Operations Roundtable, Group B |
Macon |
|
Oct. 23 |
Finance/Operations Roundtable, Group C |
Macon |
|
Oct. 29 |
Bank Trainer Peer Group |
Macon |
|
Nov. 4 |
President/CEO Roundtable, Group 5 |
Macon |
|
Nov. 5 |
President/CEO Roundtable, Group 4 |
Macon |
|
Nov. 6 |
President/CEO Roundtable, Group 2 |
Macon |
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Nov. 20 |
President/CEO Roundtable, Group 1 |
Macon |
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Georgia Bankers Association • 50 Hurt Plaza, Suite 1050,
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