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700-703 - Cisco Application Centric Infrastructure for Field Engineers Exam - Dump Information

Vendor : Cisco
Exam Code : 700-703
Exam Name : Cisco Application Centric Infrastructure for Field Engineers Exam
Questions and Answers : 50 Q & A
Updated On : July 17, 2018
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700-703 Cisco Application Centric Infrastructure for Field Engineers Exam

Study Guide Prepared by Killexams.com Cisco Dumps Experts


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700-703 exam Dumps Source : Cisco Application Centric Infrastructure for Field Engineers Exam

Test Code : 700-703
Test Name : Cisco Application Centric Infrastructure for Field Engineers Exam
Vendor Name : Cisco
Q&A : 50 Real Questions

Cisco Application Centric Infrastructure

Ameritas raises enterprise Agility and IT security with Cisco software Centric Infrastructure | killexams.com Real Questions and Pass4sure dumps

Single-pane-of-glass administration makes network operations simpler and greater scalable

SAN JOSE, Calif., Jan. 24, 2018 (GLOBE NEWSWIRE) -- Ameritas, a huge assurance enterprise headquartered in Lincoln, Nebraska, has chosen Cisco® computing, networking and security expertise as the foundation for upgrading its facts centers. The aim of the infrastructure improve changed into to improve agility and operational efficiency while increasing IT safety.

supporting near one thousand applications, the brand new technology infrastructure has decreased capex by using 30 to forty % in switching devices by myself and freed up 25 to 30 % of the community operations crew`s time, enabling them to focus on more strategic initiatives.

security balanced with agilitySecurity and agility are sometimes at odds within the information center, and yet both are paramount for up to date companies-specifically in the extremely competitive coverage and financial features trade. Striving for technology-driven innovation and differentiation, the Ameritas IT department desired the new records facilities to provide an agile supportive ambiance for application builders to aid carry new products and capabilities to market promptly.

"Cybersecurity has to be on the forefront of a company like ours," pointed out Matt Billmeier, a director in IT at Ameritas. "however it is also the source of perceived delays in finishing new initiatives.  In picking out our new infrastructure we looked to Cisco to give both agility and the highest degrees of protection possible."

on the heart of the brand new Ameritas information facilities are Cisco utility Centric Infrastructure (Cisco ACI), Cisco Unified Computing system(TM) (Cisco UCS®), Cisco FirePOWER® subsequent era Intrusion Prevention system (NGIPS), and the Citrix NetScaler software beginning Controller.

"We found Cisco ACI to be the industry`s most comprehensive and integrated solution, with support for actual, digital, and cloud environments, single-pane-of-glass management and a standard coverage framework that spans both our statistics centers," noted Billmeier. "network operations automatically grew to be more straightforward and more scalable as a result of we might configure as soon as and then set up across the total community material."

in addition, ACI`s integration with the Cisco FirePOWER NGIPS increases protection by using featuring automatic possibility insurance plan. much less human intervention and determination making capability superior coverage and sooner response instances for Ameritas. ACI additionally improves safety by facilitating microsegmentation on the software layer.

"With our legacy ambiance, segmentation took lots of time and thought," spoke of Billmeier. "but with Cisco ACI, it`s built in. Nothing can connect to anything else devoid of specific guideline, so there`s no chance of confusion or miscommunication."

Open EcosystemThe open Cisco ACI framework has sixty five ecosystem contributors who can take advantage of the open utility Programming Interface (API) to integrate their solutions, allowing IT companies to leverage a rich set of third-party home equipment and options with ACI.

looking ahead"We`ll set the parameters after which let the community make selections on its own. Cisco ACI tells the whole infrastructure the way to behave and reply," talked about Billmeier.

sooner or later, Billmeier and his crew should be Cisco Tetration Analytics(TM) as an answer so as to add more automation and further intelligence through application monitoring and computing device gaining knowledge of to make the network smarter and greater adaptable.

extra components

About CiscoCisco (CSCO) is the global know-how leader that has been making the information superhighway work considering that 1984. Our americans, products, and partners aid society securely join and catch the next day`s digital possibility today. find more at thenetwork.cisco.com and comply with us on Twitter at @Cisco.

Cisco and the Cisco brand are trademarks or registered trademarks of Cisco and/or its affiliates within the U.S. and different countries. a catalogue of Cisco`s trademarks may also be found at www.cisco.com/go/logos. Third-birthday celebration emblems mentioned are the property of their respective owners. using the word companion does not suggest a partnership relationship between Cisco and some other enterprise.

Cisco ACI isn't an affiliate of Ameritas or any of its associates. For more guidance about Ameritas, please visit ameritas.com.

Story Continues

Press RelationsLee DavisCisco650-868-3036leedavis@cisco.com

Analyst RelationsAimee SchoafCisco602-778-2308aschoaf@cisco.com

Investor RelationsCarol VillazonCisco408-527-6538carolv@cisco.com

This announcement is distributed by using Nasdaq corporate options on behalf of Nasdaq corporate options shoppers.

The issuer of this announcement warrants that they're fully responsible for the content material, accuracy and originality of the tips contained therein.supply: Cisco via GlobeNewswireHUG#2163311


Cisco ACI and BlueCat DNS Integrity empowers consumers to enforce enterprise DNS strategy | killexams.com Real Questions and Pass4sure dumps

these days records center shoppers are rolling out more recent tendencies and applied sciences at a swift pace. SaaS, DevOps, and migration to Cloud are disruptions that mandate a strong networking know-how to convey on the promise of innovation. To manipulate this complex atmosphere, purchasers are trying to find an business strategy to DNS, DHCP and IPAM (DDI) for centralized visibility and control over networks that span geographical boundaries. With an commercial enterprise DDI method, network groups can deliver flexible infrastructure to builders, cutting back operating fees and protection risks. in this weblog, we are able to overview highlights of the BlueCat Cisco utility Centric Infrastructure (ACI) joint solution  that we announced this week at Cisco reside Orlando and the way it empowers community teams put into effect and commercial enterprise DDI strategy.

As a precursor to the solution, let us review key price-props of ACI and BlueCat choices. (ACI) is an innovative coverage-based architecture that radically simplifies, optimizes, and speeds up the complete utility deployment lifecycle. With tight integration between actual and virtual points, an open ecosystem mannequin, ASIC’s, hardware, and software,  ACI’s general policy-primarily based working model promises actual application agility while significantly cutting back complexity. BlueCat DNS Integrity represents a design philosophy situated on most reliable practices community architectures that are centralized and automated, providing core DNS, DHCP and IPAM services rapidly and devoid of compromise.

Cisco ACI and BlueCat DNS Integrity items are built on the equal primary ideas: automation, coverage-driven, agile and scalability and therefore it made a compelling case   to build a solution for our joint purchasers- BlueCat built-in with Cisco ACI to bring consumers an enterprise DDI approach. The answer greatly covers two main client use-instances: Centralized visibility (purchasable now) and IP enabled device management and operational care-about (roadmap).

The solution leverages Cisco ACI’s and BlueCat’s open API to provide our clients with centralized visibility via feeding endpoints assistance from ACI into BlueCat tackle manager with the skill to map and annotate in BlueCat DNS Integrity, and the whole subnet tree to the granularity of Tenant/App Profile/BD/Subnet Hierarchy.

further to support the integration, we're at the moment exploring use situations to add additional context of DNS resources directly in the ACI’s UI delivering deep insights & operational flexibility to ACI admins.

Integration Use-case showcased on the world of solutions

The joint answer that includes visibility use case can be showcased at BlueCat demo sales space #1919, on the earth of solutions, all the way through June 11-14, at Cisco live Orlando.

Embedded here's a Video that captures the mixing.

Image for BLUECAT demo video

click on on photo to see the demo

We wish to share exciting, forward-searching information with our joint clients. The ACI-BlueCat integration code snippets can be available on Github later this year coinciding with the solution GA.

related hyperlinks

www.cisco.com/go/dcecosystem

www.cisco.com/go/aci

BlueCat weblog: click on right here

Tags:

Cisco: Ameritas increases enterprise Agility and IT safety with Cisco software Centric Infrastructure | killexams.com Real Questions and Pass4sure dumps

Single-pane-of-glass management makes network operations less difficult and greater scalable SAN JOSE, Calif., 2018-01-24 14:00 CET (GLOBE NEWSWIRE) -- Ameritas, a huge coverage company headquartered in Lincoln, Nebraska, has chosen Cisco computing, networking and protection know-how as the foundation for upgrading its information facilities. The purpose of the infrastructure improve was to enrich agility and operational efficiency while expanding IT safety. assisting near 1000 applications, the new know-how infrastructure has reduced capex by means of 30 to 40 percent in switching gadgets alone and freed up 25 to 30 p.c of the network operations team's time, allowing them to focus onmore strategic initiatives. protection balanced with agility safety and agility are often at odds within the data middle, and yet each are paramount for modern enterprises-particularly in the highly aggressive insuranceand fiscal features trade. Striving for know-how-driven innovation and differentiation, the Ameritas IT department desired the new data facilities to supply an agile supportive atmosphere for software builders to assist bring new items and capabilities to market right away. "Cybersecurity must be at the forefront of a company like ours," referred to Matt Billmeier, a director in IT at Ameritas. "but it surely is additionally the source of perceived delays in finishing new projects. In choosing our new infrastructure we seemed to Cisco to supply both agility and the optimum degrees of security viable." at the coronary heart of the new Ameritas statistics centers are Cisco utility Centric Infrastructure (Cisco ACI), Cisco Unified Computing system (Cisco UCS), Cisco FirePOWER subsequent era Intrusion Prevention gadget (NGIPS), and the Citrix NetScaler application beginning Controller. "We discovered Cisco ACI to be the trade's most comprehensive and incorporatedsolution, with guide for actual, digital, and cloud environments, single-pane-of-glass administration and a typical policy framework that spans both our statistics centers," mentioned Billmeier. "network operations immediately became more straightforward and extra scalable because we might configure once and then installation throughout the whole community cloth." in addition, ACI's integration with the Cisco FirePOWER NGIPS raises protection by way of providing automated risk insurance plan. much less human intervention and choice making potential enhanced insurance plan and sooner response instances for Ameritas. ACI also improves protection with the aid of facilitating microsegmentation at the application layer. "With our legacy environment, segmentation took lots of time and concept," mentioned Billmeier. "however with Cisco ACI, it be built in. Nothing can connect to anything else without explicit guide, so there isn't a chance of misunderstanding or miscommunication." Open ecosystemThe open Cisco ACI framework has sixty five ecosystem members who can take expertise of the open software Programming Interface (API) to integrate their solutions, enabling IT corporations to leverage a wealthy set of third-party home equipment and options with ACI. searching ahead "we'll set the parameters after which let the network make selections on its own. Cisco ACI tells the complete infrastructure a way to behave and reply," spoke of Billmeier. sooner or later, Billmeier and his group might be looking at Cisco Tetration Analytics as a solution so as to add greater automation and additional intelligence through software monitoring and computer getting to know to make the community smarter and greater adaptable. additional elements -- learn more about: Cisco ACI overview -- read: Cisco ACI Ameritas Case examine -- read: Cisco ACI case studies -- View: Cisco ACI ecosystem companions -- be trained extra about: Cisco records center know-how About Cisco Cisco (NASDAQ:CSCO) is the global technology leader that has been making the internet work seeing that 1984. Our individuals, items, and partners aid society securely join and trap the next day's digital opportunity these days. discover more at thenetwork.cisco.com and follow us on Twitter at @Cisco. Cisco and the Cisco logo are emblems or registered logos of Cisco and/or its associates within the U.S. and other international locations. a list of Cisco's logos can be found at www.cisco.com/go/logos. Third-birthday celebration trademarks outlined are the property of their respective owners. using the be aware partner doesn't suggest a partnership relationship between Cisco and some other enterprise. Cisco ACI is not an affiliate of Ameritas or any of its affiliates. For more suggestions about Ameritas, please discuss with ameritas.com. Press relations Lee Davis Cisco 650-868-3036 leedavis@cisco.com Analyst relations Aimee Schoaf Cisco 602-778-2308 aschoaf@cisco.com Investor family members Carol Villazon Cisco 408-527-6538 carolv@cisco.com

700-703 Cisco Application Centric Infrastructure for Field Engineers Exam

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700-703 exam Dumps Source : Cisco Application Centric Infrastructure for Field Engineers Exam

Test Code : 700-703
Test Name : Cisco Application Centric Infrastructure for Field Engineers Exam
Vendor Name : Cisco
Q&A : 50 Real Questions

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the primary of ny company announces 22.4% boost in net profits and 15.eight% boost in EPS for the primary Quarter of 2018 | killexams.com real questions and Pass4sure dumps

April 30, 2018 eleven:00 ET | source: the first of new york service provider

GLEN HEAD, N.Y., April 30, 2018 (GLOBE NEWSWIRE) -- the first of manhattan agency (Nasdaq:FLIC), the mother or father business of the primary country wide bank of manhattan, mentioned giant raises in internet profits and salary per share for the three months ended March 31, 2018.  in the highlights that follow, all comparisons are of the present three-month length to the identical duration last 12 months except otherwise indicated. 

FIRST QUARTER 2018 HIGHLIGHTS

  • internet income expanded 22.four% to $11.1 million from $9.1 million
  • EPS elevated 15.eight% to $.44 from $.38
  • ebook cost Per Share extended 9.1% to $14.44 at 3/31/18 from $13.24 at three/31/17
  • cash Dividends Per Share elevated 7.1% to $.15 from $.14
  • ROA and ROE had been 1.13% and 12.50%, respectively, in comparison to 1.02% and eleven.75%
  • total assets expanded sixteen% to $four.2 billion at 3/31/18 from $three.6 billion at three/31/17
  • 15.9% growth in the general steadiness of Loans
  • 10.7% growth in the general stability of Noninterest-Bearing Checking Deposits
  • 10.5% boom in the regular balance of total Deposits
  • helpful Tax price of seven.9% versus 24.2%
  • The mortgage mortgage Pipeline at quarter conclusion remained powerful at $215 million
  • The credit score satisfactory of the financial institution’s loan and securities portfolios remains dazzling
  • evaluation of First Quarter profits

    web earnings for the primary quarter of 2018 changed into $11.1 million, a rise of $2.0 million, or 22.4%, over the identical quarter closing 12 months.  The raise is caused by increases in net pastime earnings of $1.5 million, or 6.three%, and noninterest salary of $839,000, or 34.2%, and a lower in income tax fee of $1.9 million.  These items were in part offset via increases in noninterest fee of $1.5 million, or eleven.four%, and the availability for loan losses of $724,000.

    The enhance in net pastime income is chiefly because of boom in ordinary interest-earning belongings of $348.3 million, or 10.0%.  This increase is certainly comprised of an increase in the common balance of loans of $417.three million, or 15.9%, partly offset through a lower in the common steadiness of securities of $71.1 million, or eight.5%.  Loans grew primarily as a result of increases in residential and commercial loan loans.  Securities declined as a result of portfolio runoff and a deleveraging transaction accomplished in the first quarter of 2017.  although it had little impact on the commonplace balances of securities or deposits for the first quarter of 2018, towards the end of the primary quarter the financial institution superior its on-steadiness-sheet liquidity with the buy of approximately $106 million in GNMA mortgage-backed securities funded radically via brokered certificates of deposit. 

    The growth in general activity-earning assets was funded via raises in the commonplace balances of noninterest-bearing checking deposits of $89.three million, or 10.7%, activity-bearing deposits of $193.9 million, or 10.4%, long-time period borrowings of $fifty four.7 million, or 14.4%, and stockholders’ fairness of $forty six.9 million, or 15.0%.  big contributors to the growth in deposits had been new department openings, the financial institution’s ongoing municipal deposit initiative and deposit promotions.  sizeable contributors to the boom in stockholders’ equity had been web profits and the continued issuance of shares under the corporation’s Dividend Reinvestment and stock purchase Plan (“the Plan”), in part offset by using money dividends declared.  all the way through the primary quarter of 2018, 269,361 shares were issued under the Plan which contributed $7.3 million to capital.

    web activity margin for the first quarter of 2018 was 2.seventy one%, down 21 basis points from 2.ninety two% for the same quarter remaining yr.  This lower occurred partly as a result of short-time period activity costs expanded more than intermediate and lengthy-term interest quotes as a result leading to a knocking down of the yield curve.  in addition, since the bank has more deposits and borrowings area to immediate repricing than loans, in a rising fee atmosphere the bank’s funding cost will increase extra abruptly than income on loans and securities.  The enhance briefly-term interest fees become driven by means of the Federal Reserve bank’s raises in the federal money target cost.  starting in December 2015, the Federal Reserve financial institution introduced six twenty-5 foundation factor increases for an common increase of 1.50%.  These increases have caused the bank to pay greater on overnight borrowings and made it fundamental for the bank to carry the fees being paid on a lot of its deposit debts with the intention to remain competitive.  The charge of deposits and borrowings elevated by 27 foundation aspects from .81% for the primary quarter of 2017 to 1.08% for the 2018 quarter.  The greater can charge of funding changed into not accompanied with the aid of equivalent raises within the costs earned on the financial institution’s personal loan and securities portfolios.  The yield earned on the bank’s total interest-incomes belongings become down a little bit when evaluating the first quarter durations.  If the yield curve doesn't meaningfully steepen with an development in intermediate and longer-term interest rates or flattens further, the financial institution may also adventure an extra erosion in internet hobby margin which might inhibit growth in web activity earnings and revenue and may even trigger web interest earnings and profits to decline.

    net activity margin in the first quarter of 2018 was also negatively impacted via a decline in loan prepayment penalty earnings from $640,000 in the first quarter of last 12 months to $226,000 within the present quarter and, pursuant to the Tax Cuts and Jobs Act (the “Tax Act”), a reduce in the statutory federal revenue tax expense from 35% final 12 months to 21% in 2018.  These two components account for rate reductions in web activity margin of 5 and 10 basis points, respectively.  The lessen federal earnings tax cost reduced web activity margin because it reduced the high quality adjustment to net hobby profits required to position such revenue on a tax equal foundation.

    The boost in the provision for mortgage losses for the first quarter of 2018 versus the same quarter closing 12 months is essentially because of more mortgage increase within the existing quarter and a bigger lessen in the allowance for loan losses in the 2017 quarter from improved economic conditions.  Loans grew $185 million within the first quarter of this 12 months versus $130 million within the same quarter last 12 months.  The have an impact on of these objects was partly offset with the aid of a bigger discount within the provision for personal loan losses within the 2018 quarter versus the equal quarter ultimate year due to a decrease in ancient loss quotes.

    The raise in noninterest earnings of $839,000, or 34.2%, is primarily caused by an increase of $139,000 in cash value accretion on financial institution-owned life assurance (“BOLI”), a $565,000 BOLI dying improvement and an increase of $89,000 in the internet credit score relating to the non-service can charge components of the bank’s defined advantage pension plan.  cash price accretion expanded because of purchases of BOLI throughout the primary quarters of 2017 and 2018 of $25 million and $20 million, respectively.  These purchases contributed $24.5 million to the increase in complete average property for the primary quarter of 2018 over the same quarter remaining yr.  The non-provider charge accessories of the bank’s pension plan covered in noninterest profits are created from anticipated return on pension plan property and activity can charge on the advantage obligation.  These gadgets are included in noninterest salary under Accounting necessities replace (“ASU”) 2017-07 which turned into adopted through the employer on January 1, 2018.  income statement items for the primary quarter of 2017 have been reclassified to comply to the existing duration presentation.

    The boost in noninterest rate of $1.5 million, or 11.four%, is basically attributable to raises in salaries of $819,000, or 13.2%, worker advantages and different personnel fee of $332,000, or 18.1%, occupancy and gadget cost of $292,000, or eleven.6%, and other actual estate owned (“OREO”) cost within the first quarter of 2018 of $a hundred and fifteen,000.  The enhance in salaries is basically as a result of new branch openings, additions to workforce within the returned office, greater stock-based mostly compensation cost and regular annual income alterations.  The boost in worker merits and different personnel price is basically because of raises in placement and agency costs of $126,000 concerning department and lower back office staffing, payroll tax rate of $97,000 and community health insurance price of $42,000.  The boost in occupancy and device fee includes the operating charges of recent branches and increases in protection and repairs rate.  OREO expense of $a hundred and fifteen,000 within the first quarter of 2018 relates to one industrial true property property bought with the aid of deed-in-lieu of foreclosures right through the fourth quarter of 2017 and bought during the primary quarter of 2018.

    The decrease in revenue tax fee of $1.9 million is due to a discount in the statutory federal profits tax price from 35% last yr to 21% advantageous January 1, 2018 pursuant to the Tax Act, the consciousness within the existing quarter of the tax benefits of new york State and ny metropolis internet working loss carryforwards that originated in 2017 and higher tax advantages within the latest quarter from BOLI and the vesting and recreation of inventory awards.  considering that the discount within the federal revenue tax price to 21% and tax advantages derived from the financial institution’s municipal securities portfolio, BOLI, inventory-primarily based compensation and the protection of a captive REIT, administration expects the business enterprise’s advantageous tax expense within the ultimate quarters of this year to be within the latitude of 14% to sixteen%.

    evaluation of earnings – First Quarter 2018 Versus Fourth Quarter 2017

    web salary for the primary quarter of 2018 improved $3.5 million over $7.6 million earned within the fourth quarter of closing year.  The raise is essentially caused by increases in internet hobby earnings of $756,000 and noninterest salary of $2.eight million and decreases in the provision for mortgage losses of $139,000 and salary tax price of $109,000.  The nice affect on income of these objects changed into in part offset via a rise in noninterest fee of $224,000.  The increase in net hobby profits came about for substantially the equal reasons mentioned above with recognize to the primary quarter periods.  The increase in noninterest income became exceptionally because of a loss on sale of loan-backed securities in the fourth quarter of 2017 of $1.9 million and the causes mentioned above with appreciate to the first quarter intervals.  The reduce in the provision for personal loan losses became primarily brought on by improvements in economic circumstances and historical loss costs in the first quarter of 2018, in part offset via more mortgage growth in the 2018 quarter.  youngsters pre-tax salary extended within the existing quarter and the prior quarter covered a $909,000 credit score to income tax fee resulting from a reduction within the enterprise’s net deferred tax legal responsibility, revenue tax price was reduce this quarter since the statutory federal earnings tax fee declined to 21%. moreover, the latest quarter’s income tax price includes the cognizance of the tax merits of long island State and ny metropolis web working loss carryovers. at last, enormous excess tax advantages had been realized this quarter from the vesting and endeavor of stock-primarily based compensation awards. The boost in noninterest expense contains bigger salaries and employee advantages price generally due to the factors mentioned above with admire to the first quarter intervals, in part offset by means of a fourth quarter 2017 valuation allowance of $725,000 on OREO.

    Asset pleasant

    The bank’s allowance for loan losses to complete loans decreased 3 basis points from 1.15% at yr-end 2017 to 1.12% at March 31, 2018.  The lower is essentially because of alterations to definite qualitative components to mirror enhanced financial situations and savings in old loss fees and compound annual increase charges on definite pools of loans.  the supply for mortgage losses changed into $1.5 million and $788,000 within the first quarters of 2018 and 2017, respectively.  The amount of the supply in each and every quarter became pushed peculiarly by using loan growth, offset by means of greater economic conditions and, within the first quarter of 2018, further offset by way of discounts in historical losses and increase cost traits on a number of swimming pools of loans.

    The credit excellent of the bank’s loan portfolio remains remarkable.  Nonaccrual loans have been just about unchanged from 12 months-end 2017 amounting to $992,000, or .03% of total loans staggering, at March 31, 2018, compared to $1.0 million, or .03%, at December 31, 2017.  afflicted debt restructurings amounted to $1.4 million, or .04% of total loans incredible at March 31, 2018.  Of the debt restructurings, $1.three million are performing in line with their modified terms and $96,000 are nonaccrual and included within the aforementioned amount of nonaccrual loans.  Loans late 30 through 89 days amounted to $three.1 million, or .10% of complete loans excellent, at March 31, 2018, compared to $2.eight million, or .09%, at December 31, 2017.

    The credit score first-class of the financial institution’s securities portfolio also continues to be awesome.  The financial institution’s loan securities are backed by means of mortgages underwritten on frequent terms, with eighty three% of those securities being full religion and credit obligations of the U.S. government and the steadiness being obligations of U.S. executive backed entities.  The the rest of the bank’s securities portfolio mainly carries excessive pleasant, frequent responsibility municipal securities rated AA or more advantageous through fundamental rating corporations.  In picking out municipal securities for purchase, the bank makes use of credit company rankings for screening applications only and then performs its own credit score analysis.  On an ongoing basis, the financial institution periodically assesses the credit score power of the municipal securities in its portfolio and makes decisions to grasp or sell based on such assessments.

    Capital

    The supplier’s Tier 1 leverage, normal equity Tier 1 possibility-based mostly, Tier 1 risk-based and total risk-based capital ratios were about 9.2%, 14.9%, 14.9% and 16.2%, respectively, at March 31, 2018.  The strength of the agency’s steadiness sheet positions the organisation for endured boom in a measured and disciplined vogue.

    Shareholders are at the moment authorized to buy as much as $seventy five,000 per quarter of the organization’s usual inventory at a three% cut price beneath the inventory buy component of the Dividend Reinvestment and stock buy Plan.  Shares issued below the Plan give additional capital it is getting used to accommodate stability sheet growth.

    Key Strategic Initiatives

    Key strategic initiatives will continue to encompass loan and deposit boom through beneficial relationship management, focused solicitation efforts, new product choices and continued enlargement of the bank’s branch distribution equipment on long island and in the long island metropolis boroughs of Queens and Brooklyn.  With respect to loan increase, the financial institution will continue to prudently manage concentration chance and extra strengthen its broking service and correspondent relationships.  Small business credit score scored loans, device finance loans and SBA loans, together with the bank’s average business and industrial mortgage items, should be originated to diversify the bank’s personal loan portfolio and support mitigate the have an impact on on net hobby margin of the pulling down yield curve.

    The financial institution’s becoming branch distribution gadget presently includes fifty-two branches in Nassau and Suffolk Counties, ny and the new york metropolis boroughs of Queens, Brooklyn and long island.  The bank expects to open three extra branches over the subsequent 365 days and continues to evaluate sites for further department expansion.  in addition to mortgage and deposit boom, management is also concentrated on growing to be noninterest income from existing and knowledge new sources, which may additionally include the construction or acquisition of payment-based mostly groups.

    Challenges We Face

    starting in December 2015, there were six twenty-five foundation factor increases within the federal dollars target price to its present stage of 1.50% to 1.75%.  These increases have exerted enormous upward pressure on non-maturity deposit prices and have brought about these costs and in a single day borrowing costs to flow upward.  on the equal time, the bank frequently lends and invests at a selection to intermediate and long-time period U.S. treasury fees.  despite the fact there have been contemporary increases in these costs, such raises have been greater modest than the increases in the federal dollars target cost.  because of these elements, the yield curve has flattened, internet interest margin has declined and lending and funding quotes continue to be suboptimal.  whereas further increases in the federal dollars target fee are anticipated within the foreseeable future, administration doesn't trust there are near term potentialities for meaningful development in intermediate and long-term activity charges.  during this state of affairs, the yield curve could flatten extra and exert extra downward force on internet hobby margin and income.

    The banking business remains faced with new and complex regulatory necessities and more suitable supervisory oversight.  The markets are expecting that regulatory reduction should be forthcoming, however the timing, magnitude and high-quality have an impact on of such a aid on financial associations just like the bank are yet to be decided.  within the latest ambiance, banking regulators are increasingly involved about, amongst different issues, growth, commercial precise property concentrations, underwriting of commercial actual estate and business and industrial loans, capital stages, liquidity, cyber security and predatory revenue practices.  Regulatory necessities, the cost of compliance and greater supervisory oversight are exerting downward power on revenues and upward pressure on required capital levels and operating fees.

                  CONSOLIDATED steadiness SHEETS(Unaudited)               three/31/18   12/31/17                       (dollars in lots) property:             cash and cash equivalents   $ 69,918     $ 69,672                 investment securities:             Held-to-maturity, at amortized cost (reasonable cost of $7,027 and $7,749)     6,936       7,636   available-for-sale, at fair price     813,840       720,128         820,776       727,764   Loans:             commercial and industrial     108,741       109,623   Secured through true property:             business mortgages     1,245,194       1,193,007   Residential mortgages     1,693,333       1,558,564   domestic fairness lines     eighty one,673       83,625   purchaser and different     6,030       5,533         3,134,971       2,950,352   Allowance for mortgage losses     (35,154 )     (33,784 )       three,099,817       2,916,568                 restrained inventory, at charge     33,184       37,314   bank premises and machine, net     40,020       39,648   bank-owned lifestyles coverage     79,291       59,665   Pension plan assets, internet     19,232       19,152   Deferred salary tax benefit     four,468       —   other assets     18,718       24,925       $ four,185,424     $ 3,894,708   Liabilities:             Deposits:             Checking   $ 950,681     $ 896,129   rate reductions, NOW and cash market     1,775,662       1,602,460   Time, $100,000 and over     247,099       203,890   Time, different     230,207       119,518         3,203,649       2,821,997                 brief-time period borrowings     172,777       281,141   lengthy-term debt     437,027       423,797   collected fees and different liabilities     10,525       10,942   Deferred profits taxes payable     —       2,381         3,823,978       three,540,258   Stockholders' fairness:             ordinary stock, par cost $.10 per share:             approved, 40,000,000 shares;             Issued and fabulous, 25,024,667 and 24,668,390 shares     2,502       2,467   Surplus     134,924       127,122   Retained revenue     231,937       224,315         369,363       353,904   accrued other complete profits (loss), net of tax     (7,917 )     546         361,446       354,450       $ 4,185,424     $ three,894,708                

     

                  CONSOLIDATED STATEMENTS OF earnings(Unaudited)                   Three Months Ended     3/31/18   3/31/17                   (bucks in thousands) pastime and dividend earnings:             Loans   $ 26,664   $ 22,919 funding securities:             Taxable     2,209     2,202 Nontaxable     3,431     three,377       32,304     28,498 interest rate:             reductions, NOW and cash market deposits     2,540     1,491 Time deposits     1,708     1,188 short-term borrowings     783     389 lengthy-term debt     2,117     1,770       7,148     four,838 net activity earnings     25,156     23,660 Provision for personal loan losses     1,512     788 web activity profits after provision for personal loan losses     23,644     22,872               Noninterest profits:             investment administration Division profits     581     522 service expenses on deposit bills     700     703 web good points on income of securities     —     fifty seven different     2,011     1,171       three,292     2,453 Noninterest fee:             Salaries     7,047     6,228 employee benefits and different personnel expense     2,170     1,838 Occupancy and gadget     2,813     2,521 other     2,838     2,760       14,868     13,347 profits earlier than salary taxes     12,068     eleven,978 earnings tax fee     957     2,897 web earnings   $ 11,111   $ 9,081                               profits PER SHARE(Unaudited)                     Three Months Ended       3/31/18   three/31/17                       (greenbacks in thousands,apart from per share records)                   web income   $ 11,111   $ 9,081   income allocated to taking part securities     37     34   income allocated to typical stockholders   $ 11,074   $ 9,047                   Weighted common:               standard shares     24,962,520     23,858,640   Dilutive inventory alternate options and restricted inventory units     204,345     264,305         25,166,865     24,122,945   Per Share:               fundamental EPS     $ .forty four      $ .38   Diluted EPS     .44     .38   money Dividends Declared     .15     .14         fiscal RATIOS(Unaudited)                                 ROA     1.13 %   1.02 % ROE     12.50 %   eleven.seventy five % net pastime Margin     2.seventy one %   2.ninety two % Dividend Payout Ratio     34.09 %   36.eighty four %                       issue AND talents problem LOANS AND assets(Unaudited)                       three/31/18     12/31/17                           (dollars in hundreds)                     Loans, except for bothered debt restructurings:                 overdue 30 via 89 days   $ three,076     $ 2,594   overdue ninety days or greater and nonetheless accruing     —       —   Nonaccrual     896       900         3,972       3,494   debt restructurings:                 Performing according to their modified phrases     1,279       785   past due 30 via 89 days     —       162   overdue ninety days or greater and still accruing     —       —   Nonaccrual     96       a hundred         1,375       1,047   total overdue, nonaccrual and restructured loans:                 Restructured and performing based on their modified terms     1,279       785   overdue 30 via 89 days     three,076       2,756   late 90 days or more and nevertheless accruing     —       —   Nonaccrual     992       1,000         5,347       four,541   other true estate owned     —       5,125       $ 5,347     $ 9,666                     Allowance for mortgage losses   $ 35,154     $ 33,784   Allowance for personal loan losses as a percentage of complete loans     1.12 %     1.15 % Allowance for mortgage losses as a diverse of nonaccrual loans     35.4 x     33.eight x                  

     

                                          common steadiness SHEET, activity quotes AND pastime DIFFERENTIAL(Unaudited)                                           Three Months Ended March 31,     2018   2017     usual   interest/   common   regular   hobby/   usual (greenbacks in lots)   steadiness   Dividends   rate   steadiness   Dividends   expense belongings:                                     activity-incomes financial institution balances   $  27,364     $  104    1.fifty four %   $  25,240     $  52    .84 % investment securities:                                     Taxable      299,381        2,105    2.81        381,352        2,a hundred and fifty    2.26   Nontaxable (1)      465,840        four,343    3.seventy three        454,957        5,195    4.fifty seven   Loans (1)      three,035,604        26,665    three.51        2,618,352        22,922    3.50   complete pastime-earning belongings      three,828,189        33,217    3.forty seven        3,479,901        30,319    3.49   Allowance for loan losses      (34,464 )                  (30,703 )             net pastime-incomes belongings      3,793,725                    three,449,198               money and due from banks      37,301                    31,892               Premises and device, net      39,964                    34,589               other property      one hundred fifteen,984                    seventy nine,281                   $  three,986,974                 $  3,594,960               Liabilities and Stockholders' fairness:                                     reductions, NOW & money market deposits   $  1,704,504        2,540    .60     $  1,579,338        1,491    .38   Time deposits      351,462        1,708    1.ninety seven        282,749        1,188    1.70   total hobby-bearing deposits      2,055,966        4,248    .84        1,862,087        2,679    .58   brief-term borrowings      200,308        783    1.59        194,189        389    .81   long-term debt      435,332        2,117    1.ninety seven        380,621        1,770    1.89   total hobby-bearing liabilities      2,691,606        7,148    1.08        2,436,897        4,838    .81   Checking deposits      925,825                    836,519               different liabilities      9,181                    8,068                      three,626,612                    3,281,484               Stockholders' equity      360,362                    313,476                   $  three,986,974                 $  3,594,960                                                     net pastime salary (1)         $  26,069               $  25,481       internet pastime unfold (1)                2.39 %                2.sixty eight % net hobby margin (1)                2.seventy one %                2.92 %                                      

    (1) Tax-equivalent basis.  pastime income on a tax-equal groundwork comprises the further amount of hobby revenue that could were earned if the supplier's funding in tax-exempt loans and funding securities had been made in loans and funding securities subject to federal earnings taxes yielding the equal after-tax income.  For 2018, the tax-equivalent amount of $1.00 of nontaxable salary become $1.27 using the statutory federal income tax cost of 21%.  For 2017, the tax-equal quantity of $1.00 of nontaxable income turned into $1.54 the usage of the statutory federal salary tax expense of 35%.

    forward searching assistance

    This income free up carries quite a lot of “ahead-looking statements” inside the which means of that time period as set forth in Rule a hundred seventy five of the Securities Act of 1933 and Rule 3b-6 of the Securities exchange Act of 1934.  Such statements are generally contained in sentences including the phrases “might also” or “expect” or “might” or “should” or “would” or “consider” or “assume”.  The corporation cautions that these forward-looking statements are discipline to a lot of assumptions, risks and uncertainties that may cause exact results to differ materially from these meditated by using the forward-looking statements.  factors that could cause future consequences to alter from present management expectations consist of, but aren't confined to, changing financial situations; legislative and regulatory alterations; financial and fiscal guidelines of the federal government; changes in activity costs; deposit flows and the can charge of dollars; demand for personal loan items; competitors; changes in administration’s enterprise concepts; changes in accounting principles, policies or guidelines; alterations in true property values; and other factors mentioned within the “chance factors” element of the organization’s filings with the Securities and alternate commission (“SEC”).  The forward-looking statements are made as of the date of this press liberate, and the organization assumes no responsibility to replace the ahead-searching statements or to update the the reason why specific outcomes could range from those projected in the ahead-looking statements.

    For extra particular financial tips please see the business enterprise’s quarterly document on form 10-Q for the quarter ended March 31, 2018.  The form 10-Q may be accessible in the course of the financial institution’s website at www.fnbli.com on or about may 10, 2018, after it's electronically filed with the SEC. Our SEC filings are also purchasable on the SEC’s website at www.sec.gov.  You may also additionally read and copy any doc we file with the SEC on the SEC’s public reference room at one hundred F road, N.E., Room 1580, Washington, DC 20549.  you'll want to name 1-800-SEC-0330 for greater assistance on the general public reference room.

    For greater counsel Contact:Mark D. Curtis, SEVP, CFO and Treasurer(516) 671-4900, Ext. 7413


    Patterns of care and survival for youth and young adults with acute leukaemia – a population-primarily based look at | killexams.com real questions and Pass4sure dumps

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  • the primary of ny enterprise declares 22.4% enhance in internet profits and 15.8% raise in EPS for the primary Quarter of 2018 | killexams.com real questions and Pass4sure dumps

    GLEN HEAD, N.Y., April 30, 2018 (GLOBE NEWSWIRE) -- the first of long island company (FLIC), the guardian enterprise of the primary national bank of long island, pronounced colossal increases in net income and income per share for the three months ended March 31, 2018.  in the highlights that observe, all comparisons are of the present three-month duration to the identical period ultimate 12 months unless otherwise indicated. 

    internet earnings for the first quarter of 2018 turned into $11.1 million, an increase of $2.0 million, or 22.4%, over the same quarter final year.  The increase is brought on by raises in net activity income of $1.5 million, or 6.three%, and noninterest income of $839,000, or 34.2%, and a lower in earnings tax expense of $1.9 million.  These objects had been partly offset with the aid of increases in noninterest expense of $1.5 million, or 11.four%, and the supply for mortgage losses of $724,000.

    The raise in net hobby salary is principally caused by increase in usual hobby-earning property of $348.three million, or 10.0%.  This growth is primarily produced from an increase within the usual steadiness of loans of $417.3 million, or 15.9%, in part offset via a decrease in the general stability of securities of $seventy one.1 million, or eight.5%.  Loans grew essentially due to raises in residential and industrial loan loans.  Securities declined as a result of portfolio runoff and a deleveraging transaction accomplished in the first quarter of 2017.  although it had little have an effect on on the regular balances of securities or deposits for the primary quarter of 2018, towards the conclusion of the primary quarter the financial institution superior its on-stability-sheet liquidity with the buy of about $106 million in GNMA loan-backed securities funded greatly by way of brokered certificates of deposit. 

    The boom in commonplace pastime-incomes property turned into funded via raises within the usual balances of noninterest-bearing checking deposits of $89.3 million, or 10.7%, activity-bearing deposits of $193.9 million, or 10.4%, lengthy-term borrowings of $54.7 million, or 14.4%, and stockholders’ equity of $46.9 million, or 15.0%.  colossal contributors to the growth in deposits had been new department openings, the financial institution’s ongoing municipal deposit initiative and deposit promotions.  mammoth contributors to the boom in stockholders’ fairness have been internet profits and the continued issuance of shares beneath the organisation’s Dividend Reinvestment and inventory purchase Plan (“the Plan”), in part offset by means of cash dividends declared.  all over the first quarter of 2018, 269,361 shares have been issued under the Plan which contributed $7.three million to capital.

    internet pastime margin for the first quarter of 2018 become 2.seventy one%, down 21 foundation elements from 2.92% for the same quarter closing 12 months.  This decrease passed off in part as a result of brief-time period pastime prices extended greater than intermediate and long-time period activity charges consequently resulting in a pulling down of the yield curve.  moreover, since the financial institution has greater deposits and borrowings field to immediate repricing than loans, in a rising rate environment the bank’s funding charge will raise more abruptly than salary on loans and securities.  The increase in short-time period pastime prices turned into pushed by the Federal Reserve financial institution’s increases in the federal money target fee.  beginning in December 2015, the Federal Reserve financial institution announced six twenty-5 groundwork aspect increases for an average boost of 1.50%.  These increases have caused the bank to pay greater on in a single day borrowings and made it fundamental for the bank to lift the prices being paid on lots of its deposit debts to be able to continue to be aggressive.  The can charge of deposits and borrowings expanded by 27 groundwork aspects from .81% for the primary quarter of 2017 to 1.08% for the 2018 quarter.  The higher can charge of funding become no longer accompanied with the aid of equivalent raises in the fees earned on the bank’s loan and securities portfolios.  The yield earned on the bank’s total hobby-earning assets changed into down a bit of when evaluating the first quarter periods.  If the yield curve doesn't meaningfully steepen with an improvement in intermediate and longer-term activity quotes or flattens further, the bank may adventure a further erosion in net activity margin which might inhibit boom in web activity salary and salary and might even trigger web pastime profits and salary to decline.

    net hobby margin within the first quarter of 2018 became also negatively impacted via a decline in personal loan prepayment penalty income from $640,000 within the first quarter of remaining year to $226,000 within the current quarter and, pursuant to the Tax Cuts and Jobs Act (the “Tax Act”), a reduce in the statutory federal profits tax price from 35% closing 12 months to 21% in 2018.  These two factors account for mark downs in web activity margin of 5 and 10 basis facets, respectively.  The lessen federal salary tax price reduced internet interest margin because it reduced the fantastic adjustment to net pastime earnings required to put such profits on a tax equivalent foundation.

    The boost in the provision for mortgage losses for the first quarter of 2018 versus the equal quarter final year is essentially due to more mortgage boom within the latest quarter and a bigger reduce within the allowance for personal loan losses in the 2017 quarter from more advantageous economic conditions.  Loans grew $185 million within the first quarter of this yr versus $a hundred thirty million in the equal quarter remaining yr.  The impact of these items became partly offset with the aid of a larger reduction in the provision for loan losses within the 2018 quarter versus the equal quarter final 12 months due to a lessen in historical loss fees.

    The raise in noninterest earnings of $839,000, or 34.2%, is basically because of a rise of $139,000 in money value accretion on bank-owned existence coverage (“BOLI”), a $565,000 BOLI demise advantage and an increase of $89,000 within the internet credit score regarding the non-service can charge accessories of the financial institution’s described benefit pension plan.  money price accretion multiplied on account of purchases of BOLI throughout the primary quarters of 2017 and 2018 of $25 million and $20 million, respectively.  These purchases contributed $24.5 million to the growth in complete average property for the primary quarter of 2018 over the equal quarter final yr.  The non-service charge add-ons of the financial institution’s pension plan covered in noninterest earnings are created from anticipated return on pension plan belongings and pastime cost on the benefit responsibility.  These gadgets are protected in noninterest revenue below Accounting standards update (“ASU”) 2017-07 which changed into adopted via the organization on January 1, 2018.  profits observation objects for the primary quarter of 2017 had been reclassified to conform to the current length presentation.

    The boost in noninterest price of $1.5 million, or eleven.four%, is primarily as a result of increases in salaries of $819,000, or 13.2%, employee merits and other personnel price of $332,000, or 18.1%, occupancy and gadget rate of $292,000, or eleven.6%, and different real property owned (“OREO”) cost within the first quarter of 2018 of $one hundred fifteen,000.  The enhance in salaries is essentially as a result of new branch openings, additions to team of workers in the back workplace, larger inventory-based compensation fee and commonplace annual earnings adjustments.  The boost in worker benefits and different personnel fee is basically as a result of increases in placement and agency prices of $126,000 regarding branch and back workplace staffing, payroll tax expense of $97,000 and neighborhood medical health insurance price of $forty two,000.  The boost in occupancy and device expense comprises the operating fees of new branches and increases in preservation and repairs price.  OREO expense of $115,000 within the first quarter of 2018 pertains to one industrial true property property bought with the aid of deed-in-lieu of foreclosure throughout the fourth quarter of 2017 and offered all the way through the first quarter of 2018.

    The decrease in earnings tax rate of $1.9 million is as a result of a discount within the statutory federal salary tax expense from 35% closing 12 months to 21% beneficial January 1, 2018 pursuant to the Tax Act, the recognition in the existing quarter of the tax advantages of manhattan State and long island metropolis internet working loss carryforwards that originated in 2017 and better tax advantages within the current quarter from BOLI and the vesting and endeavor of inventory awards.  since the reduction in the federal earnings tax price to 21% and tax benefits derived from the financial institution’s municipal securities portfolio, BOLI, inventory-primarily based compensation and the preservation of a captive REIT, management expects the enterprise’s valuable tax expense in the final quarters of this year to be in the range of 14% to sixteen%.

    evaluation of profits – First Quarter 2018 Versus Fourth Quarter 2017

    web profits for the first quarter of 2018 accelerated $three.5 million over $7.6 million earned in the fourth quarter of final year.  The increase is basically as a result of raises in web activity income of $756,000 and noninterest earnings of $2.eight million and decreases in the provision for loan losses of $139,000 and profits tax expense of $109,000.  The high quality impact on income of those items changed into partly offset through an increase in noninterest expense of $224,000.  The raise in net hobby income passed off for noticeably the same factors mentioned above with appreciate to the first quarter intervals.  The boost in noninterest earnings was in particular due to a loss on sale of personal loan-backed securities in the fourth quarter of 2017 of $1.9 million and the reasons mentioned above with admire to the primary quarter periods.  The lower in the provision for personal loan losses became essentially as a result of advancements in financial situations and historic loss prices in the first quarter of 2018, in part offset via more mortgage increase in the 2018 quarter.  although pre-tax income accelerated within the existing quarter and the prior quarter blanketed a $909,000 credit to profits tax expense as a consequence of a reduction within the organisation’s web deferred tax liability, salary tax cost turned into decrease this quarter because the statutory federal earnings tax fee declined to 21%. furthermore, the current quarter’s income tax fee includes the focus of the tax advantages of new york State and manhattan city web operating loss carryovers. ultimately, huge extra tax advantages were realized this quarter from the vesting and exercise of inventory-based compensation awards. The raise in noninterest price contains higher salaries and employee advantages rate largely as a result of the causes mentioned above with appreciate to the primary quarter intervals, partly offset through a fourth quarter 2017 valuation allowance of $725,000 on OREO.

    Asset excellent

    The financial institution’s allowance for personal loan losses to complete loans diminished 3 basis aspects from 1.15% at yr-conclusion 2017 to 1.12% at March 31, 2018.  The lower is basically as a result of alterations to certain qualitative components to replicate superior economic situations and discount rates in old loss prices and compound annual increase quotes on certain swimming pools of loans.  the provision for personal loan losses became $1.5 million and $788,000 in the first quarters of 2018 and 2017, respectively.  The quantity of the provision in each quarter changed into pushed specially by means of mortgage boom, offset with the aid of greater economic circumstances and, within the first quarter of 2018, additional offset by using mark downs in ancient losses and boom price trends on a few swimming pools of loans.

    The credit excellent of the bank’s mortgage portfolio remains astounding.  Nonaccrual loans have been almost unchanged from 12 months-conclusion 2017 amounting to $992,000, or .03% of total loans spectacular, at March 31, 2018, in comparison to $1.0 million, or .03%, at December 31, 2017.  debt restructurings amounted to $1.four million, or .04% of total loans spectacular at March 31, 2018.  Of the stricken debt restructurings, $1.three million are performing according to their modified terms and $ninety six,000 are nonaccrual and blanketed in the aforementioned amount of nonaccrual loans.  Loans past due 30 via 89 days amounted to $three.1 million, or .10% of complete loans unbelievable, at March 31, 2018, in comparison to $2.8 million, or .09%, at December 31, 2017.

    The credit score nice of the financial institution’s securities portfolio additionally remains extraordinary.  The financial institution’s personal loan securities are backed by means of mortgages underwritten on regular phrases, with eighty three% of those securities being full religion and credit score duties of the U.S. executive and the steadiness being duties of U.S. govt sponsored entities.  The the rest of the bank’s securities portfolio basically contains excessive satisfactory, regular duty municipal securities rated AA or stronger by way of fundamental ranking companies.  In selecting municipal securities for buy, the bank makes use of credit score agency rankings for screening functions only and then performs its own credit evaluation.  On an ongoing basis, the bank periodically assesses the credit strength of the municipal securities in its portfolio and makes selections to hold or sell based on such assessments.

    Capital

    The agency’s Tier 1 leverage, standard fairness Tier 1 risk-based, Tier 1 risk-primarily based and complete risk-primarily based capital ratios have been about 9.2%, 14.9%, 14.9% and sixteen.2%, respectively, at March 31, 2018.  The electricity of the service provider’s stability sheet positions the organization for persisted increase in a measured and disciplined fashion.

    Shareholders are presently permitted to buy up to $seventy five,000 per quarter of the corporation’s common inventory at a three% discount under the stock purchase part of the Dividend Reinvestment and stock purchase Plan.  Shares issued under the Plan give extra capital it is getting used to accommodate balance sheet growth.

    Key Strategic Initiatives

    Key strategic initiatives will proceed to consist of loan and deposit growth via valuable relationship management, targeted solicitation efforts, new product choices and continued enlargement of the financial institution’s department distribution equipment on ny and in the manhattan metropolis boroughs of Queens and Brooklyn.  With recognize to mortgage boom, the bank will proceed to prudently manage awareness risk and extra improve its broking service and correspondent relationships.  Small enterprise credit score scored loans, gadget finance loans and SBA loans, together with the financial institution’s normal commercial and industrial mortgage items, could be originated to diversify the bank’s loan portfolio and help mitigate the impact on web pastime margin of the flattening yield curve.

    The financial institution’s growing to be branch distribution system at present carries fifty-two branches in Nassau and Suffolk Counties, ny and the ny city boroughs of Queens, Brooklyn and ny.  The bank expects to open three more branches over the next 12 months and continues to consider sites for additional branch growth.  in addition to personal loan and deposit boom, management is additionally focused on growing to be noninterest profits from latest and skills new sources, which can also encompass the building or acquisition of fee-primarily based agencies.

    Challenges We Face

    starting in December 2015, there have been six twenty-five basis element raises within the federal dollars goal fee to its existing level of 1.50% to 1.seventy five%.  These increases have exerted huge upward drive on non-maturity deposit rates and have led to these rates and in a single day borrowing prices to move upward.  at the equal time, the bank frequently lends and invests at a diffusion to intermediate and lengthy-time period U.S. treasury costs.  youngsters there have been fresh raises in these fees, such raises have been extra modest than the increases in the federal cash target expense.  on account of these components, the yield curve has flattened, net pastime margin has declined and lending and funding quotes remain suboptimal.  while further raises within the federal money goal rate are anticipated within the foreseeable future, management does not accept as true with there are close time period prospects for significant growth in intermediate and long-term activity rates.  in this state of affairs, the yield curve might flatten additional and exert extra downward drive on net interest margin and profits.

    The banking trade is still confronted with new and complicated regulatory necessities and stronger supervisory oversight.  The markets are expecting that regulatory reduction can be imminent, but the timing, magnitude and tremendous have an impact on of this kind of aid on financial institutions just like the bank are yet to be determined.  in the current environment, banking regulators are more and more concerned about, amongst other things, increase, business actual estate concentrations, underwriting of industrial actual property and business and industrial loans, capital tiers, liquidity, cyber safety and predatory income practices.  Regulatory requirements, the charge of compliance and more suitable supervisory oversight are exerting downward power on revenues and upward pressure on required capital ranges and working prices.

                  CONSOLIDATED balance SHEETS(Unaudited)               three/31/18   12/31/17                       (dollars in thousands) belongings:             cash and cash equivalents   $ sixty nine,918     $ sixty nine,672                 investment securities:             Held-to-maturity, at amortized charge (reasonable value of $7,027 and $7,749)     6,936       7,636   accessible-for-sale, at reasonable price     813,840       720,128         820,776       727,764   Loans:             business and industrial     108,741       109,623   Secured by means of precise property:             commercial mortgages     1,245,194       1,193,007   Residential mortgages     1,693,333       1,558,564   home fairness strains     eighty one,673       eighty three,625   customer and different     6,030       5,533         3,134,971       2,950,352   Allowance for loan losses     (35,154 )     (33,784 )       3,099,817       2,916,568                 restricted inventory, at can charge     33,184       37,314   financial institution premises and equipment, net     40,020       39,648   bank-owned existence coverage     seventy nine,291       fifty nine,665   Pension plan assets, net     19,232       19,152   Deferred earnings tax advantage     4,468       —   other belongings     18,718       24,925       $ four,185,424     $ three,894,708   Liabilities:             Deposits:             Checking   $ 950,681     $ 896,129   savings, NOW and cash market     1,775,662       1,602,460   Time, $one hundred,000 and over     247,099       203,890   Time, other     230,207       119,518         three,203,649       2,821,997                 short-term borrowings     172,777       281,141   lengthy-time period debt     437,027       423,797   accrued prices and different liabilities     10,525       10,942   Deferred income taxes payable     —       2,381         3,823,978       3,540,258   Stockholders' fairness:             ordinary inventory, par cost $.10 per share:             authorized, forty,000,000 shares;             Issued and astonishing, 25,024,667 and 24,668,390 shares     2,502       2,467   Surplus     134,924       127,122   Retained revenue     231,937       224,315         369,363       353,904   accumulated different finished profits (loss), net of tax     (7,917 )     546         361,446       354,450       $ 4,185,424     $ three,894,708                

     

                  CONSOLIDATED STATEMENTS OF salary(Unaudited)                   Three Months Ended     three/31/18   three/31/17                   (greenbacks in heaps) pastime and dividend revenue:             Loans   $ 26,664   $ 22,919 investment securities:             Taxable     2,209     2,202 Nontaxable     3,431     three,377       32,304     28,498 activity expense:             discounts, NOW and funds market deposits     2,540     1,491 Time deposits     1,708     1,188 brief-time period borrowings     783     389 lengthy-term debt     2,117     1,770       7,148     four,838 internet hobby salary     25,156     23,660 Provision for mortgage losses     1,512     788 net activity salary after provision for personal loan losses     23,644     22,872               Noninterest salary:             investment management Division profits     581     522 carrier prices on deposit debts     seven-hundred     703 web positive factors on revenue of securities     —     57 different     2,011     1,171       three,292     2,453 Noninterest price:             Salaries     7,047     6,228 employee advantages and other personnel cost     2,170     1,838 Occupancy and gadget     2,813     2,521 different     2,838     2,760       14,868     13,347 revenue earlier than salary taxes     12,068     eleven,978 profits tax fee     957     2,897 internet revenue   $ eleven,111   $ 9,081                               salary PER SHARE(Unaudited)                     Three Months Ended       three/31/18   3/31/17                       (bucks in heaps,except per share statistics)                   web salary   $ eleven,111   $ 9,081   earnings allocated to collaborating securities     37     34   earnings allotted to average stockholders   $ eleven,074   $ 9,047                   Weighted normal:               normal shares     24,962,520     23,858,640   Dilutive stock alternate options and confined stock instruments     204,345     264,305         25,166,865     24,122,945   Per Share:               simple EPS     $ .44      $ .38   Diluted EPS     .44     .38   money Dividends Declared     .15     .14         financial RATIOS(Unaudited)                                 ROA     1.13 %   1.02 % ROE     12.50 %   11.75 % web pastime Margin     2.seventy one %   2.ninety two % Dividend Payout Ratio     34.09 %   36.84 %                       problem AND competencies difficulty LOANS AND property(Unaudited)                       3/31/18     12/31/17                           (greenbacks in heaps)                     Loans, apart from troubled debt restructurings:                 past due 30 via 89 days   $ 3,076     $ 2,594   past due ninety days or extra and nevertheless accruing     —       —   Nonaccrual     896       900         three,972       three,494   troubled debt restructurings:                 Performing in keeping with their modified terms     1,279       785   overdue 30 via 89 days     —       162   late 90 days or extra and nonetheless accruing     —       —   Nonaccrual     ninety six       100         1,375       1,047   complete late, nonaccrual and restructured loans:                 Restructured and performing in accordance with their modified phrases     1,279       785   late 30 through 89 days     three,076       2,756   overdue 90 days or more and still accruing     —       —   Nonaccrual     992       1,000         5,347       four,541   other actual estate owned     —       5,one hundred twenty five       $ 5,347     $ 9,666                     Allowance for mortgage losses   $ 35,154     $ 33,784   Allowance for personal loan losses as a percentage of total loans     1.12 %     1.15 % Allowance for loan losses as a dissimilar of nonaccrual loans     35.four x     33.eight x                  

     

                                          commonplace balance SHEET, pastime costs AND pastime DIFFERENTIAL(Unaudited)                                           Three Months Ended March 31,     2018   2017     general   pastime/   common   regular   pastime/   common (greenbacks in thousands)   balance   Dividends   fee   stability   Dividends   rate belongings:                                     hobby-incomes bank balances   $  27,364     $  104    1.fifty four %   $  25,240     $  fifty two    .eighty four % investment securities:                                     Taxable      299,381        2,105    2.81        381,352        2,one hundred fifty    2.26   Nontaxable (1)      465,840        four,343    three.seventy three        454,957        5,195    4.fifty seven   Loans (1)      3,035,604        26,665    3.51        2,618,352        22,922    three.50   complete interest-incomes property      three,828,189        33,217    3.47        three,479,901        30,319    3.49   Allowance for loan losses      (34,464 )                  (30,703 )             web activity-earning property      three,793,725                    3,449,198               money and due from banks      37,301                    31,892               Premises and machine, net      39,964                    34,589               other assets      a hundred and fifteen,984                    79,281                   $  three,986,974                 $  three,594,960               Liabilities and Stockholders' fairness:                                     savings, NOW & cash market deposits   $  1,704,504        2,540    .60     $  1,579,338        1,491    .38   Time deposits      351,462        1,708    1.97        282,749        1,188    1.70   complete pastime-bearing deposits      2,055,966        4,248    .eighty four        1,862,087        2,679    .58   short-term borrowings      200,308        783    1.fifty nine        194,189        389    .81   lengthy-time period debt      435,332        2,117    1.ninety seven        380,621        1,770    1.89   complete pastime-bearing liabilities      2,691,606        7,148    1.08        2,436,897        4,838    .eighty one   Checking deposits      925,825                    836,519               other liabilities      9,181                    8,068                      three,626,612                    three,281,484               Stockholders' equity      360,362                    313,476                   $  3,986,974                 $  three,594,960                                                     web pastime salary (1)         $  26,069               $  25,481       web activity spread (1)                2.39 %                2.68 % web activity margin (1)                2.seventy one %                2.ninety two %                                      

    (1) Tax-equal groundwork.  hobby income on a tax-equal foundation comprises the further amount of activity income that would have been earned if the employer's investment in tax-exempt loans and funding securities had been made in loans and funding securities subject to federal revenue taxes yielding the same after-tax profits.  For 2018, the tax-equal quantity of $1.00 of nontaxable earnings turned into $1.27 the usage of the statutory federal revenue tax rate of 21%.  For 2017, the tax-equal quantity of $1.00 of nontaxable earnings changed into $1.fifty four the usage of the statutory federal salary tax price of 35%.

    forward looking tips

    This salary release carries numerous “ahead-looking statements” in the that means of that time period as set forth in Rule 175 of the Securities Act of 1933 and Rule 3b-6 of the Securities change Act of 1934.  Such statements are generally contained in sentences including the words “may additionally” or “are expecting” or “could” or “may still” or “would” or “accept as true with” or “expect”.  The service provider cautions that these forward-looking statements are field to a lot of assumptions, risks and uncertainties that might trigger actual outcomes to vary materially from these reflected by using the forward-looking statements.  elements that might trigger future outcomes to vary from current administration expectations include, but are not confined to, altering economic circumstances; legislative and regulatory alterations; financial and fiscal guidelines of the federal executive; adjustments in hobby charges; deposit flows and the cost of money; demand for mortgage products; competition; alterations in administration’s enterprise ideas; adjustments in accounting ideas, guidelines or guidelines; changes in actual estate values; and different components mentioned in the “possibility elements” component of the organisation’s filings with the Securities and trade commission (“SEC”).  The forward-looking statements are made as of the date of this press unlock, and the company assumes no responsibility to replace the ahead-searching statements or to replace the the explanation why precise results may differ from those projected within the ahead-searching statements.

    For greater special fiscal information please see the employer’s quarterly record on form 10-Q for the quarter ended March 31, 2018.  The form 10-Q should be obtainable during the financial institution’s web page at www.fnbli.com on or about may additionally 10, 2018, after it is electronically filed with the SEC. Our SEC filings are also attainable on the SEC’s web page at www.sec.gov.  You may additionally also examine and copy any document we file with the SEC on the SEC’s public reference room at one hundred F highway, N.E., Room 1580, Washington, DC 20549.  make sure to name 1-800-SEC-0330 for greater counsel on the general public reference room.

    For greater suggestions Contact:Mark D. Curtis, SEVP, CFO and Treasurer(516) 671-4900, Ext. 7413



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