Meet climate activist and researcher, Marsella Munoz, a Florida-native who dives into the ocean to gather scientific information on how to best restore and conserve coral reefs
Meet climate activist and researcher, Marsella Munoz, a Florida-native who dives into the ocean to gather scientific information on how to best restore and conserve coral reefs
Is your smoke detector recalled? Kidde TruSense smoke alarms and smoke/carbon monoxide alarms sold at Walmart, Home Depot, Amazon are affected.
VAUGHAN, Ont. — Recipe Unlimited Corp. saw system sales plunge 28 per cent in its most recent quarter as the pandemic continued to be a drag on the restaurant chain amid dining room closures and seating restrictions across Canada. The Vaughan, Ont.-based company, which operates brands like Swiss Chalet, Harvey's, St-Hubert and The Keg, says system sales in the first quarter totalled $537.6 million, down from $747.2 million in the same quarter the previous year and $850.7 million in 2019, before the COVID-19 pandemic. E-commerce sales for the 13 weeks ended March 28 increased 75 per cent from a year earlier to $149.8 million while retail and catering sales were up 15.4 per cent to $87.6 million. Net earnings in the quarter were $13 million or 22 cents per share, compared with a loss of $41.2 million or 73 cents per share in the prior year. It attributed the increase to higher operating profits, an increase in the fair value of Exchangeable Keg Partnership units of $43.9 million, lower depreciation and amortization and a decrease in impairment charges of $16.3 million. Adjusted profits decreased to $3.2 million or six cents per share, from $7.3 million or 13 cents per share in the first quarter of 2020 and 18.3 million or 29 cents per share in the same period in 2019. The company expects after the pandemic that there will be fewer restaurant seats in the market from competitors that won't reopen and from changes in consumer behaviour. Recipe also says it will close underperforming locations identified in 2019 earlier than originally planned. This report by The Canadian Press was first published May 6, 2021. Companies in this story: (TSX:RECP) The Canadian Press
Goalie Petr Mrazek to start again against Chicago as Canes and Blackhawks play eighth and last game in season series.
United will face Villarreal in the final later this month.
College football teams will be required to hold at least seven padless practices during the preseason and the number of contact practices will be reduced from 21 to 18 under changes proposed by the NCAA’s oversight committee Thursday. The football oversight committee's proposal goes to the Division I Council for approval this month. The changes to preseason practice come after a five-year study of six major college football teams showed players suffered more concussions during preseason practices than during games.
"I think we need more stories of good happening in the world. And certainly my mom has been a great example of that," says Dan of his appearance in 'From Cradle to Stage.'
Zacatecas Silver Corp. ("Zacatecas Silver" or the "Company") (TSXV: ZAC) is pleased to announce it has achieved a key milestone to commence its drilling activities at its highly prospective Panuco Silver Deposit and San Gill Breccia Zone by securing an access agreement with the Ejido "Panuco" Municipality, Zacatecas. Further, Zacatecas Silver has entered into a 10,000 metre diamond drill contract with Major Drilling de Mexico C.V. ("Major Drilling").
On Wednesday, President Joe Biden announced that his administration supported the waiver of intellectual property (IP) rights for COVID-19 vaccines in negotiations at the World Trade Organization (WTO). Is this a danger for Novavax (NASDAQ: NVAX) investors? One important point is that Biden's announcement is not a law or a verdict in a patent case.
The governor of Texas in an unusual move on Thursday asked the state's Supreme Court to accept an Exxon Mobil Corp petition seeking to reverse a state court decision in a climate change case. California municipal officials sued Exxon and other energy companies in 2017 seeking damages for rising sea levels they blamed on fossil fuel emissions, prompting a countersuit from the oil major in Texas. A Texas appeals court rejected Exxon's effort to depose California officials, leading to the oil company's state Supreme court petition.
Ferro Corporation (NYSE: FOE) today announced the following details for its first quarter 2021 conference call.
BOISE, Idaho — A sixth-grade girl brought a gun to her Idaho middle school, shot and wounded two students and a custodian and then was disarmed by a teacher Thursday, authorities said. The three were shot in their extremities and were expected to survive, officials said at a news conference. Jefferson County Sheriff Steve Anderson says the girl pulled a handgun from her backpack and fired multiple rounds inside and outside Rigby Middle School in the small city of Rigby, about 95 miles (145 kilometres) southwest of Yellowstone National Park. A female teacher disarmed the girl and held her until law enforcement arrived and took her into custody, authorities said, without giving other details. Authorities say they're investigating the motive for the attack and where the girl got the gun. She is from the nearby city of Idaho Falls, Anderson said. He didn't release her name. Dr. Michael Lemon, trauma medical director at Eastern Idaho Regional Medical Center, said the injured adult was treated and released for a bullet wound in an extremity. The bullet went cleanly through the limb, he said. Both of the students who were shot were being held at the hospital overnight, and one of them might need surgery, Lemon said. Still, both students were in fair condition. One of the students had wounds in two limbs and might have been shot twice, he said. Police were called to the school around 9:15 a.m. after students and staffers heard gunfire. Multiple law enforcement agencies responded, and students were evacuated to a nearby high school to be reunited with their parents. “Me and my classmate were just in class with our teacher — we were doing work — and then all of a sudden, here was a loud noise and then there were two more loud noises. Then there was screaming,” 12-year-old Yandel Rodriguez said. “Our teacher went to check it out, and he found blood.” Yandel’s mom, Adela Rodriguez, said they were OK but “still a little shaky” from the shooting as they left the campus. “Today we had the worst nightmare a school district could encounter,” Jefferson School District Superintendent Chad Martin said. Martin said schools would be closed districtwide to give students time to be with families, but that counsellors would be available starting Friday morning. Rigby Middle School has about 1,500 students in sixth through eighth grades, according to the National Center for Education Statistics. “I am praying for the lives and safety of those involved in today’s tragic events,” Gov. Brad Little said in a prepared statement. “Thank you to our law enforcement agencies and school leaders for their efforts in responding to the incident.” Police tape surrounded the middle school, and small evidence markers were placed next to spots of blood on the ground. Investigators interviewed faculty and staffers individually. Lucy Long, a sixth-grader at Rigby Middle School, told the Post Register newspaper in Idaho Falls that her classroom went into lockdown after they heard gunshots, with lights and computers turned off and students lined up against the wall. Lucy comforted her friends and began recording on her phone, so police would know what happened if the shooter came in. The audio contained mostly whispers, with one sentence audible: “It’s real,” one student said. Lucy said she saw blood on the hallway floor when police escorted them out of the classroom. The attack appears to be Idaho’s second school shooting. In 1999, a student at a high school in Notus fired a shotgun several times. No one was struck by the gunfire, but one student was injured by ricocheting debris from the first shell. In 1989, a student at Rigby Junior High pulled a gun, threatened a teacher and students, and took a 14-year-old girl hostage, according to a Deseret News report. Police safely rescued the hostage from a nearby church about an hour later and took the teen into custody. No one was shot in that incident. ___ Associated Press writers Keith Ridler in Boise and Emily Wilder in Phoenix contributed. Photographer Natalie Behring contributed from Rigby. ___ This story has been updated to correct the spelling of Yandel Rodriguez's first name and his pronouns. Rebecca Boone, The Associated Press
Late charge leads Red Sox past Tigers, 12-9
He's a man in demand.
Local leaders have condemned the incident as a ‘disgraceful act of hatred and violence’.
Algonquin Power & Utilities Corp. ("AQN") (TSX: AQN) (TSX: AQN.PR.A) (TSX: AQN.PR.D) (NYSE: AQN) announced today that the Board of Directors has approved an annual dividend increase of U.S.$0.0620 per common share to a total annual dividend of U.S.$0.6824 per common share, paid quarterly at a rate of U.S.$0.1706 per common share.
Berlin, Maryland, May 06, 2021 (GLOBE NEWSWIRE) -- via NewMediaWire -- Calvin B. Taylor Bankshares, Inc. (the “Company”) (OTCQX: TYCB), parent company of Calvin B. Taylor Bank, today reported unaudited financial results for the first-quarter ended March 31, 2021. Highlights of the company’s financial results for the first-quarter ended March 31, 2021 (“1Q21”) as compared to the first-quarter ended March 31, 2020 (“1Q20”) and the fourth-quarter ended December 31, 2020 (“4Q20”) are noted below and included in the following tables. · Net income increased $684 thousand to $2.60 million in 1Q21, a 35.8% increase compared to 1Q20 · Net income increased $1.18 million in 1Q21 compared to 4Q20, a 83.6% increase · Nonrecurring and nontaxable income of $618 thousand related to bank owned life insurance death proceeds was recognized in 1Q21 · Organic asset growth continued in 1Q21 with assets growing $39.6 million, or 5.6%, since December 31, 2020 · Organic loan growth continued in 1Q21 with loans growing $32.2 million, or 7.6%, since December 31, 2020 · Small Business Administration Paycheck Protection Program (“SBA PPP”) loans originated in 1Q21 totaled $29.2 million · Net interest margin improved from 2.99% in 4Q20 to 3.05% in 1Q21 · Provision for loan losses decreased 43.2% to $125 thousand in 1Q21 as compared to $220 thousand in 1Q20 and decreased 24.2% compared to the $165 thousand recorded in 4Q20 Quarterly Results of Operations Loan interest revenue, including fees, increased to $4.96 million in 1Q21, as compared to $4.50 million in 1Q20 and $4.81 million in 4Q20, as the result of continued organic loan growth and funding of Small Business Administration Paycheck Protection Program (“SBA PPP”) loans. SBA PPP loan balances increased in 1Q21 as new loan origination activity associated with 2nd draw SBA PPP loans exceeded loan repayments by the SBA associated with loan forgiveness of existing 1st draw SBA PPP loans. Upon repayment by the SBA, unamortized net loan fees are recognized and reported as loan interest revenue which resulted in an increase in loan interest revenue in 1Q21 as compared to 4Q20. SBA PPP loan interest revenue increased from $335 thousand in Q420 to $458 thousand in 1Q21. SBA PPP loan originations in 1Q21 resulted in an increase in unamortized net loan fees from $756 thousand as of December 31, 2020 to $1.9 million as of March 31, 2021. Net interest income increased 2.3% to $5.08 million in 1Q21, as compared to $4.96 million in 1Q20 and 4Q20. Increases in loan interest revenue, as noted above, were partially offset by lower yields on other earning assets as interest rates remain historically low. Net interest margin decreased to 3.05% in 1Q21, as compared to 3.93% in 1Q20, and is attributable to significant increases in average deposits from customer behavior changes and government economic stimulus programs related to the COVID-19 pandemic. Average deposits increased in 1Q21 by $174.9 million, or 38.8%, when compared to 1Q20 and increased $17.5 million, or 2.9%, as compared to 4Q20. SBA PPP loan originations of $29.2 million and additional government economic stimulus payments in 1Q21 was a primary factor in the continued growth in average deposits when compared to 4Q20. The provision for loan losses was $125 thousand in 1Q21, as compared to $220 thousand in 1Q20 and $165 thousand in 4Q20. The provision for loan losses recorded in 1Q21 was primarily attributable to loan portfolio growth and further adjustments to qualitative factors used to estimate the allowance for loan losses. Qualitative factors were adjusted due to the continued uncertainty associated with the economic recovery from the COVID-19 pandemic. Net charge offs were $6 thousand in 1Q21, as compared to $29 thousand in 1Q20 and $15 thousand in 4Q20. Government economic stimulus payments, PPP loans, foreclosure moratoriums, and increasing residential real estate prices have mitigated charge offs during the COVID-19 pandemic. However, uncertainty about borrowers’ ability to repay and real estate values subsequent to the pandemic and related reduction in government economic stimulus has prevented a reduction in the allowance for loan losses at this time. Noninterest income increased to $1.34 million in 1Q21, as compared to $605 thousand in 1Q20 and $775 thousand in 4Q20. The increase in noninterest income is primarily attributable to nonrecurring income recognized in 1Q21 related to income from death proceeds of bank owned life insurance policies. While income from increases in cash surrender value of bank owned life insurance is generally consistent and recurring income, the income from death proceeds is not, and is triggered upon the death of an insured employee or former employee. Bank owned life insurance investments are used to recover present and long term costs of employee benefits and compensation. Noninterest income also increased as a result of improving consumer spending as COVID-19 pandemic restrictions are removed which has resulted in higher debit card interchange income in 1Q21 as compared to 1Q20 and 4Q20. Other sources of noninterest income have been negatively impacted by the COVID-19 pandemic including certain deposit account and placement fees, but were offset by higher interchange and overdraft fees in 1Q21. Noninterest expense increased to $3.04 million in 1Q21, as compared to $2.79 million in 1Q20, which can be attributed to the opening of a new branch in Onley, Virginia in July 2020, costs to purchase personal protective equipment, cleaning supplies, and cleaning services associated with the COVID-19 pandemic, increases in employee benefits expense and higher FDIC deposit insurance premiums due to significant deposit growth. The increases in noninterest expense were offset by increases in net interest income and noninterest income, which decreased the efficiency ratio from 50.24% in 1Q20 to 47.80% in 1Q21. Noninterest expense decreased in 1Q21 to $3.04 million, as compared to $3.76 million in 4Q20, which primarily relates to higher salaries expense associated with yearend discretionary bonuses and 401K contributions recorded in 4Q20. A reduction in noninterest expense accompanied by increases in net interest income and noninterest income decreased the efficiency ratio to 47.80% in 1Q21, as compared to 65.72% in 4Q20. Net income increased 35.8% to $2.60 million in 1Q21, as compared to $1.91 million in 1Q20, and is primarily attributable to nonrecurring and nontaxable income of $618 thousand recorded in 1Q21 related to income from bank owned life insurance death proceeds. Average assets had a comparable increase of 32.8% in 1Q21, as compared to 1Q20, which resulted in a modest increase to Return on Average Assets (“ROA”) from 1.41% in 1Q20 to 1.44% in 1Q21. Average equity increased 4.5% to $95.15 million in 1Q21, as compared to 1Q20, but net income growth of 35.8% during the same period increased the Return on Average Stockholders’ Equity (“ROE”) from 8.40% in 1Q20 to 10.91% in 1Q21. Net income increased 83.6% to $2.60 million in 1Q21, as compared to $1.41 million in 4Q20, due to nonrecurring and nontaxable income of $618 thousand recorded in 1Q21 related to income from bank owned life insurance death proceeds and higher noninterest expense in 4Q20 related to year end discretionary bonuses and 401K contributions. Average assets continued their recent pattern of growth and increased 2.6% in 1Q21 as compared to 4Q20 and was primarily the result of additional government economic stimulus including 2nd draw SBA PPP loans. Average equity also increased during 1Q21, and was 0.9% higher than 4Q20. The significant growth in net income compared to the modest increases in average assets and average equity resulted in an increase in ROA from 0.80% in 4Q20 to 1.44% in 1Q21 and an increase in ROE from 6.00% in 4Q20 to 10.91% in 1Q21. Dividends declared were $0.29 per share in 1Q21 and 4Q20, and $0.26 per share in 1Q20. Dividend payout ratios were 30.90% for 1Q21, 37.74% for 1Q20, and 56.89% for 4Q20. Financial Condition Total assets were $751.4 million as of March 31, 2021, as compared to $545.3 million as of March 31, 2020 and $711.8 million as of December 31, 2020. Significant asset growth was primarily the result of customer behavior changes and government economic stimulus programs related to the COVID-19 pandemic which resulted in a significant increase in customer deposits. Deposits totaled $653.5 million as of March 31, 2021, as compared to $451.5 million as of March 31, 2020 and $614.4 million as of December 31, 2020. A portion of deposit growth since March 31, 2020 was utilized to fund loan originations including $62.7 million of SBA PPP loans. SBA PPP loans, net of unamortized loans fees, were $41.9 million as of March 31, 2021 as compared to $24.1 million as of December 31, 2020. SBA PPP loan balances increased in 1Q21 as new loan origination activity associated with 2nd draw SBA PPP loans exceeded loan repayments by the SBA associated with loan forgiveness of existing 1st draw SBA PPP loans. Total loans as of March 31, 2021 were $455.7 million as compared to $370.9 million as of March 31, 2020 which represents growth of $84.8 million, or 22.9%. The growth in loans since March 31, 2020 is attributable to $41.9 million in SBA PPP loans and $42.9 million of organic loan growth attributable to strong commercial and residential real estate loan demand in our markets. Loans increased $32.2 million, or 7.6%, since December 31, 2020 which can be attributed to $17.8 million in SBA PPP loan growth and $14.4 million of organic loan growth attributable to continued strong demand in commercial and residential real estate loans in our markets. The loans to deposits ratio as of March 31, 2021 was 69.7%, as compared to 82.2% as of March 31, 2020 and 68.9% as of December 31, 2020. As a result of the COVID-19 pandemic and related economic uncertainty in our markets, a temporary loan payment deferral program was established in the 2nd quarter of 2020 for both commercial and consumer borrowers impacted by the pandemic. The Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”) provided financial institutions the ability to provide loan payment accommodations and short-term modifications without requiring the loans to be reported and accounted for as Troubled Debt Restructurings. The majority of borrowers in the program received 6 month payment deferral periods and the related deferral period expired in 4th quarter of 2020. Certain borrowers voluntarily resumed their contractual payments prior to the end of the deferral period. As of December 31, 2020, all loans in the temporary payment deferral program were restored and resumed contractual payments. As of March 31, 2021, loans past due 30 days or more totaled $2.3 million which includes $459 thousand of loans that previously received temporary payment deferral. Average assets grew by 32.8% to $722.3 million in 1Q21, as compared to $544.1 million in 1Q20. Significant average asset growth was primarily the result of customer behavior changes and government economic stimulus programs related to the COVID-19 pandemic which resulted in a significant increase in average deposits. Average loans grew 19.1% to $440.4 million in 1Q21, as compared to $369.9 million in 1Q20. SBA PPP loans contributed to $32.2 million of the increase in average loans while the remaining $38.3 million increase in average loans was attributable to strong commercial and residential real estate loan demand in the last 12 months. The average loans to average deposits ratio decreased to 70.4% in 1Q21, as compared to 82.0% in 1Q20, and relates to significant growth in average deposits associated with the COVID-19 pandemic. Three Months Ended Three Months Ended March 31,% March 31,December 31,%Results of Operations20212020Change 20212020ChangeNet interest income $ 5,076,193 $ 4,963,5522.3% $ 5,076,193 $ 4,961,8372.3%Provision for loan losses $ 125,000 $ 220,000-43.2% $ 125,000 $ 165,000-24.2%Noninterest income $ 1,344,561 $ 605,150122.2% $ 1,344,561 $ 774,87673.5%Noninterest expense $ 3,040,326 $ 2,786,8949.1% $ 3,040,326 $ 3,761,079-19.2%Net income $ 2,595,428 $ 1,911,30835.8% $ 2,595,428 $ 1,413,63483.6%Net income per share $ 0.94 $ 0.6936.0% $ 0.94 $ 0.5183.8%Dividend per share $ 0.29 $ 0.2611.5% $ 0.29 $ 0.290.0%Dividend payout ratio30.90%37.74% 30.90%56.89% Average assets $ 722,291,769 $ 544,076,79432.8% $ 722,291,769 $ 704,175,8182.6%Average loans $ 440,383,147 $ 369,907,30519.1% $ 440,383,147 $ 419,211,4955.1%Average deposits $ 625,914,322 $ 450,993,18238.8% $ 625,914,322 $ 608,449,5562.9%Average loans to average deposits70.36%82.02% 70.36%68.90% Average stockholders' equity $ 95,153,292 $ 91,023,6354.5% $ 95,153,292 $ 94,308,1700.9%Average stockholders' equity to average assets13.17%16.73% 13.17%13.39% Ratios Net interest margin3.05%3.93% 3.05%2.99% Return on average assets1.44%1.41% 1.44%0.80% Return on average stockholders' equity10.91%8.40% 10.91%6.00% Efficiency ratio47.80%50.24% 47.80%65.72% Stock Repurchased Number of shares 7,480 3801868.4% 7,480 700968.6%Repurchase amount $ 253,572 $ 12,0082011.7% $ 253,572 $ 23,933959.5%Average price per share $ 33.90 $ 31.607.3% $ 33.90 $ 34.19-0.8% March 31,March 31,% March 31,December 31,%Financial Condition20212020Change 20212020ChangeAssets $ 751,416,895 $ 545,342,22237.8% $ 751,416,895 $ 711,791,0045.6%Loans $ 455,677,254 $ 370,901,68422.9% $ 455,677,254 $ 423,467,7667.6%Deposits $ 653,484,299 $ 451,478,84344.7% $ 653,484,299 $ 614,437,0806.4%Stockholders' equity $ 95,735,742 $ 91,657,4974.4% $ 95,735,742 $ 94,785,1301.0%Common stock - shares outstanding 2,765,452 2,774,546-0.3% 2,765,452 2,772,932-0.3%Book value per share $ 34.62 $ 33.044.8% $ 34.62 $ 34.181.3%Loans to deposits69.73%82.15% 69.73%68.92% Equity to assets12.74%16.81% 12.74%13.32% (unaudited) (unaudited) March 31, December 31, March 31, Balance Sheet2021 2020 2020Assets Cash and cash equivalents Cash and due from banks $ 10,759,131 $ 14,398,578 $ 10,613,174Federal funds sold and interest bearing deposits 164,416,904 156,706,746 45,495,801Total cash and cash equivalents 175,176,035 171,105,324 56,108,975Time deposits in other financial institutions 8,732,396 8,733,754 20,524,375Debt securities available for sale, at fair value 78,437,955 72,166,997 60,680,486Debt securities held to maturity, at amortized cost 3,515,601 5,994,955 10,337,668Equity securities, at cost 1,103,733 1,240,233 1,240,233Loans 455,677,254 423,467,766 370,901,684Less: allowance for loan losses (1,955,434) (1,836,451) (1,044,056)Net loans 453,721,820 421,631,315 369,857,628Accrued interest receivable 2,123,934 2,402,222 1,320,664Prepaid expenses 521,291 612,188 421,812Other real estate owned - - - Premises and equipment, net 12,827,221 12,951,511 11,166,811Computer software 365,169 389,236 297,543Bank owned life insurance 13,491,712 13,405,779 13,035,405Other assets 1,400,028 1,157,490 350,622Total assets $ 751,416,895 $ 711,791,004 $ 545,342,222 Liabilities and Stockholders' Equity Deposits Non-interest bearing $ 232,686,437 $ 211,945,179 $ 153,876,312Interest bearing 420,797,862 402,491,901 297,602,531Total deposits 653,484,299 614,437,080 451,478,843Accrued interest payable 26,079 26,837 26,822Dividends payable 801,981 804,150 721,382Accrued expenses 249,640 602,027 110,009Non-qualified deferred compensation 519,539 485,626 301,386Deferred income taxes 534,278 601,057 620,878Other liabilities 65,337 49,097 425,405Total liabilities 655,681,153 617,005,874 453,684,725Stockholders' equity Common stock, par value $1 per share; authorized 10,000,000 shares; issued and outstanding 2,765,452 2,772,932 2,774,546Additional paid-in capital 2,562,103 2,808,195 2,857,911Retained earnings 90,190,247 88,396,800 85,369,742Accumulated other comprehensive income, net of tax 217,940 807,203 655,298Total stockholders' equity 95,735,742 94,785,130 91,657,497Total liabilities and stockholders' equity $ 751,416,895 $ 711,791,004 $ 545,342,222 For the three months endedStatement of Comprehensive Income (unaudited) Mar 31, 2021 Mar 31, 2020 Interest revenue Loans, including fees $ 4,957,754 $ 4,502,173U. S. Treasury and government agency debt securities 57,228 146,726Mortgage-backed debt securities 116,772 155,834State and municipal debt securities 51,003 49,202Federal funds sold and interest bearing deposits 35,932 152,506Time deposits in other financial institutions 44,674 134,506Total interest revenue 5,263,363 5,140,947 Interest expense Deposits 187,170 177,395Net interest income 5,076,193 4,963,552Provision for loan losses 125,000 220,000Net interest income after provision for loan losses 4,951,193 4,743,552 Noninterest income Debit card and ATM 316,116 234,847Service charges on deposit accounts 179,087 184,327Merchant payment processing 13,517 35,360Increase in cash surrender value of bank owned life insurance 85,933 30,706Income from bank owned life insurance death proceeds 618,463 - Dividends 4,595 6,975Gain on disposition of investment securities 60,453 21,484Gain (loss) on disposition of fixed assets (4,931) 1,400Miscellaneous 71,328 90,051Total noninterest income 1,344,561 605,150 Noninterest expenses Salaries 1,248,957 1,253,898Employee benefits 399,265 317,464Occupancy 227,368 201,769Furniture and equipment 203,685 169,024Data processing 166,115 131,478ATM and debit card 112,250 111,350Marketing 35,614 63,159Directors fees 75,100 75,700Telecommunication services 82,145 80,627Deposit insurance premiums 49,895 - Other operating 439,932 382,425Total noninterest expenses 3,040,326 2,786,894Income before income taxes 3,255,428 2,561,808Income taxes 660,000 650,500Net income 2,595,428 1,911,308 Other comprehensive income, net of tax Unrealized gains (losses) on available for sale debt securities arising during the period, net of tax (589,263) 487,019Comprehensive income $ 2,006,165 $ 2,398,327 Earnings per common share - basic and diluted $ 0.94 $ 0.69 About Calvin B. Taylor Banking Company Calvin B. Taylor Banking Company, the bank subsidiary of Calvin B. Taylor Bankshares, Inc. (OTCQX: TYCB), founded in 1890, offers a wide range of loan, deposit, and ancillary banking services through both physical and digital delivery channels. The Company has 12 banking locations within the eastern coastal area of the Delmarva Peninsula including Worcester County, Maryland, Sussex County, Delaware and Accomack County, Virginia. Contact M. Dean Lewis, Vice President and Chief Financial Officer 410-641-1700, taylorbank.com
Little Frankie Whelan may only be four years old, but he already knows his favourite day of the week is Friday. That's because he gets to see his hero Frank Wimberley, also known as the Pink Pied Piper, play the bagpipes while walking down Lonsdale Avenue in North Vancouver around five in the evening. "When Friday happens, Frank comes, and I just really want to play with him so that's why I act like him," said Frankie. Frankie's parents, Gerard and Donna, said their son started to watch the Pink Pied Piper from their home last September. Then he asked his parents to go outside and join in, using a hockey stick to pretend to play along. WATCH | Frankie plays the bagpipes with the Pink Pied Piper: Now, little Frankie marches down the street playing alongside his hero, with a set of his own bagpipes and a traditional Scottish outfit that he got for Christmas. "Frankie's a funny one. When he gets into things, he goes 100 per cent," said his mom, Donna. The Pink Pied Piper Wimberley started to play the bagpipes outside as part of the 7 p.m. cheer for health-care workers that are on the front lines of the COVID-19 pandemic. His route used to be closer to Lions Gate Hospital but as winter came, he decided to play the pipes earlier in the evening, every Friday, in Lower Lonsdale to bring the community together. He said it's fantastic that little Frankie wants to learn how to play them but also has a small warning for the young boy. "I'm really impressed that he's taken it on and he's loving it. I mean, Frankie will soon learn that people will pay him to stop playing."
"N-Plus is a future online space where you can learn more about the Netflix shows you love and anything related to them," the company says of the project.
Prime Minister Boris Johnson is expected to make the announcement on Monday, according to the Telegraph.
Thank you, Mary, and thank you all for joining us for the Universal Electronics First Quarter 2021 Financial Results Conference Call. If you've not please contact LHA at 415-433-3777 or visit the Investor Relations section of the website.