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SunTrust, in eighth place, agreed to buy National Commerce, combined. National City, seventh place, acquired Provident Financial, $128 billion combined. Regions Financial Corp, previously 23rd, moved into the 14th spot by acquiring Union Planters, combined. “Anyone needs to be concerned about consolidation in terms of the safety and soundness of the banking system as well as how it affects consumers,” Bachus said. “Having said that, the degree of consolidation is a relative notion.


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If for instance you compare the banking industry, we don’t have as great a consolidations as in telecommunications, automobiles and even hotels.” “It’s worth keeping track of,” Shelby said. “Some people always advocated we had too many banks. A lot of countries only have a handful of banks, like Canada and some European countries.” “I always thought competition in the marketplace is the best thing we had going and that includes the financial services industry.”

And any job losses? “That’s the natural thing that happens in mergers. And they do this for efficiency,” Shelby said. “Banks are privately owned, and the shareholders will dictate what you do or don’t do.” Even before this year’s consolidations, the nation’s 25 largest banks had increased their share of U.S. assets from 39 percent in 1993 to 58 percent at the end of 2003. In the same time period the number of small banks, those with assets under $1 billion, declined from 12,664 to 8,601.

Birmingham is the only city outside New York that is home to four of the nation’s top 50 banks, although Wachovia will cut that to three with the takeover of SouthTrust. Regions will be the largest bank headquartered in Birmingham, followed by AmSouth and Compass. Those four banks hold 53 percent of the deposits. Three years ago, there were 158 banks headquartered in Alabama. Now there are 151.

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“We’ve seen some consolidations of what would be defined as community banks, and we’ve seen a few out-of-state acquisitions,” said State Banking Commissioner Anthony Humphries. With 105 employees, Humphries’ department is second only to the state banking regulators in New York. Bachus said, “Most folks in Alabama ought to realize that we have one of the strongest banking systems in the country.”

How The Purchaser Simply Took Ownership

Adrian Day, Global Analyst: “Newmont remains our gold stock of choice. The world’s largest gold company, it has strong globally diversified operations, an extensive pipeline of developmental and exploration projects, top management and a solid balance sheet. The stock is hardly inexpensive, but it is clearly the gold stock of choice with powerful growth potential and belongs as a cornerstone of all gold portfolios.”


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Steve Sjuggerud, True Wealth: “I recently asked the money manager of one of the best performing gold funds, ‘If you could own just one gold stock, what would it be?’ Without hesitation, his answer was Northern Orion. The company is the world’s lowest-cost producer of copper. Literally, its cost of production is about zero, net of gold byproducts (it’s a happy accident that gold falls out of copper production). Its Alumbrera mine is a cash cow and Agua Rica, its undeveloped mine, is considered one of the largest undeveloped copper and gold mines in the world. This company has huge upside potential.”

Ivan Marched, Wall Street Winners: “Our long-held view is that gold stocks are near the beginning of a long, multiyear uptrend. For a leveraged play on gold, consider Bema. Its cash cost to mine an ounce of gold is around $320. That makes Bema a lower- quality stock, but it also means it’s extremely leveraged to the price of gold. A relatively small rally in gold turns Bema from a money loser into a profitable stock. Traders should buy Bema for less than $3.50.”

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Alexander Green, The Oxford Letter: “Think of BHP as the Paul Bunyan of resource companies. It is a monster with $23.5 billion in annual revenue. It’s the world’s largest diversified resource company, with huge interests in aluminum, iron ore, copper, coal, oil, gas, nickel, silver and diamonds. BHP should continue to see dramatic earnings growth in the months ahead. This stock is a world class blue chip by any measure. If you own only one resource stock in your portfolio, make it this one.”

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Boone County’s offense is averaging 343 yards every diversion with senior tailback Brett Kaiser and senior quarterback Quron Meeks driving the way. Kaiser has been the workhorse in the Rebels’ surging assault with 1,891 yards on 291 conveys and a group high 25 touchdowns. “He’s the run of the mill Boone County tailback who can run downhill on all of you night,” McKee said. “We simply can’t let them maul us hanging in the balance.


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We’d like to get them in long-yardage circumstances on the off chance that we could.” Meeks has been the Rebels’ other hostile danger amid the playoffs. In the last three amusements, he has hurried for 211 yards and three touchdowns and passed for 199 yards and three touchdowns. “We’ve truly battled the most recent two weeks against running quarterbacks,” McKee said.

“What’s more not one or the other one of them had the velocity that Meeks has so we’re exceptionally concerned with him.” The victor of this evening’s diversion will progress to the state title last Dec. 4 at Papa John’s Stadium in Louisville. The last time Boone County played in the state title diversion was 1994. Scott County won the Class AA state title in 1975, however the Cardinals haven’t been once more to the state finals from that point forward.
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That adds to the dramatization encompassing the first amusement between the two groups in four years. Scott County set up together a 92-yard scoring commute on its first ownership and took a 7-0 lead right on time in the second quarter. The Cardinals had five third-down changes amid that 20-play drive with one of them going ahead a pass obstruction punishment. They scored on a fourth-down run by Sberna. Boone County got its first touchdown in much faster manner.

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Law enforcement officials are hoping a $10,000 reward and a new artist’s sketch will lead them to a man they believe to have been robbing local banks for more than a year. Police believe the suspect described in Friday’s robbery of the Firstar Bank on Dixie Highway in Fort Wright may also have struck as many as seven other Northern Kentucky banks. FBI officials said they believe the same man might have been involved in bank robberies as far back as February 2001.

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An alert customer in the bank during the Firstar robbery gave what is believed to be the first description of the man’s face, which was covered with a green bandana, Fort Wright Police Chief Dan Keenest said. ‘We have a composite drawing from one of the witnesses who may have seen him prior to putting his mask on,” said Keenest. ”They were in the bank and turned around and saw the individual coming in before he put the bandana over his face.” Bank security camera images of the suspect in Friday’s robbery are consistent with those in other bank robberies in Edgewood, Florence and Campbell County, according to Keenest.

The robber is a middle-aged white man, 5-feet-8 to 6-feet tall and 175-195 pounds. He has green-brown or blue-green eyes, with medium to dark brown hair. He may be rough shaven but had no mustache, beard or glasses. He was wearing a gray or blue hooded sweatshirt or jacket and blue jeans and brown leather hiking boots. Firstar Corp. is offering a reward of up to $10,000 for information leading to the arrest and conviction of the suspect.

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The Minneapolis-based company offers the same reward for similar information in any robbery of its banks. Friday’s bank robber said he had a gun, but never showed one, Keenest said. Police have no suspects. The crews painting the L&N Bridge have coined a new name for the span because of the pastel purple color they are applying. ”They like to call it the Easter egg bridge,” said Newport Commissioner Jerry Pelosi, who said he likes the hue.

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But the jury believed otherwise and convicted Wilson of burglary and first-degree manslaughter. A judge sentenced him to 20 years on both charges and ordered them to be served consecutively, for a term of 40 years. “They don’t make specific finding as to why he was released,” Hardison said. “They believe he is a good candidate for release at this point.”


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If he had served his entire sentence, Wilson would be released no later than July 2007 — without any restrictions on his behavior or living conditions. With release, he will remain on parole until 2021, Hardison said. “By putting him on parole, they have him under the control of a parole officer. It’s basically a trade-off.”

Phillip Hay said he and four representatives of the Maysville Police Department attended the hearing Tuesday. They told the board members that if they decided to release Wilson, he should be kept under strict supervision. “I was disappointed in his release, but I wasn’t surprised,” Butcher said. “I am pleased with the restrictions, and that he’s not supposed to be in Mason County.”

Hay said he and his brother — 22 when he was killed — were getting over the sibling rivalry stage when Danny Hay became a police officer. He described his brother as a kind and caring officer — some thought he was too caring for police work, Hay said. “We were starting to get close,” Hay recalled. “I looked up to him because of what he was doing for a living.”he new Dayton Teen Center, which was financed in large part by a $500,000 state grant, will be officially dedicated Friday in ceremonies that include tours and a teen dance.

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City Administrator Gary Scott said the center , at 625 Berry St., will be owned by the city, but operated by the YMCA under an agreement approved earlier this year. The one-story building housing the center has about 5,000 square feet of space and includes computer lab, art classes, a television area, pool tables, dance area and a small cafeteria area.

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Beck was speaking from a stage featuring a giant American flag as a backdrop and a replica of the Statue of Liberty — complete with real flame — off to the side. Before him was a sea of people, many of them wearing red, white and blue, eager to cheer for anything pro-American — and even pro-British. “It makes me feel really, really good to know this many people really support our children,” said Cook, whose son, Ross, is a lance corporal who is in Iraq. “It’s been a big fear that they’d come home and be treated like they were when they came home from Vietnam.” Newport officials decided Monday night to sever a contract with Neyer Properties to build the proposed Newport Promenade shopping center, but the developer will continue to build upscale homes atop nearby Wiedemann Hill.

Continuation of the residential partnership means at least 42 more homes, carrying price tags of at least $350,000, will be built on about 10 acres on top of the hill just west of Interstate 471, between Memorial Parkway and Carothers Road. The first several of those homes will be part of a CitiRama home show in September, City Manager Phil Ciafardini announced. The Neyer development’s first eight homes for last year’s CitiRama wowed visitors with their spectacular views of downtown Cincinnati. You quit depreciating property after you have completely recouped its cost, or when you resign the property from administration, whichever starts things out The expense is completely recuperated when your Area, and depreciation deductions conclusions are equivalent to your expense or interest in the property.
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But the commercial portion of the project has been bogged down in property acquisition. Commissioners unanimously authorized Mayor Tom Guidugli to sign an agreement with Neyer that voids their Oct. 22, 2001, development pact. They also voted 5-0 to enter a new residential development arrangement with Neyer to continue the residential part of the project. “There’s no question that Neyer is a good developer,” Ciafardini said. “Everybody is pleased with the way the residential portion of this project has proceeded, and we fully expect the same quality that we’ve seen with the first eight homes, with CitiRama, to continue.” Parting ways with Neyer on the commercial development lets the city seek a new developer for about 40 acres on the hill’s eastern slope. “We have developers that have expressed an interest all along,” Ciafardini said. “And obviously none of them would engage in a detailed conversation with us because we had a development agreement with Neyer. Now that this is done, we’ll continue with the property acquisition.”

Your premise or expense, is your interest in the property, and is typically the sum that you bought the property for. This expense incorporates any business charge you may have paid on the property, in addition to any delivery costs, establishment expenses, and testing charges. The commercial portion has been slowed by reluctance of property owners to sell for prices Neyer and the city have offered. Several owners have filed suit in federal court, contesting the city’s efforts to force them to sell.

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Labor attorneys agreed with the union that some residual coverage could linger after the start of the strike, but disagreed on how long. They noted COBRA payments, though expensive, would retroactively cover workers. Jeffrey Keiper, an attorney with Cleveland-based McDonald Hopkins, said workers’ benefits already paid for by Kroger would stop but added it might not be immediate. “During a strike, workers are not entitled to pay or benefits — that’s part of the economic warfare,” he said.David Cook, a Cincinnati-based labor attorney, said workers might actually be covered for weeks because Kroger has already paid its health-plan administrator. Meanwhile, business was brisk at Kroger in Bellevue, Ky. as a number of customers did their weekend shopping early to avoid possible picket lines. Building materials including solid, floorboards and tiles can be asserted as depreciations. This profitable tax cut permits organizations to promptly discount half of the balanced expenses of their qualified capital consumptions. Grocery clerks who asked not to be identified said there were about 30 replacement workers being trained at their store but said other stores haven’t been able to hire as many. Janet Walker, a 58-year-old legal secretary who works for the state, said she would shop at Remke Markets if a strike occurred. She was doing her normal Saturday shopping on Thursday night.

“I came here tonight so I wouldn’t cross any picket lines,” she said. “I work for the state and we’ve got the same issue (health coverage), so I’m very sympathetic to their (the employees’) plight.” Perry Atkins, a 48-year-old union factory worker from Wilder, Ky., said he understood Kroger’s argument that it is increasingly competing with nonunion retailers, but still planned to go to Remke if there were picket lines”I think Kroger has to compete but I will still support the workers,” he said. However, the extra first-year depreciation finding now allows organizations to quickly discount altogether to a greater extent a crumbling and outdated nature than the standard claim depreciation timetable would permit.Jack Clark, a 50-year-old pest control operator, said he liked shopping at Kroger and thought it offered competitive prices but added the company shouldn’t do so at the expense of its employees. In the event of a strike, he said he’d switch to Save-A-Lot. The stakes are high for both sides as negotiators continue their work. Union officials say their members’ status as part of the middle class is threatened by the possibility of cutbacks in their benefits, especially health care. The supermarket claims its ability to compete could be compromised without employee concessions.

This investigation is performed at no-expense to figure out whether it bodes well for do the study. Performed by Expense Isolation experts with both designing and accounting ability, a practicality study permits property managers to settle on an educated choice in the matter of whether a full Cost Isolation study will produce a money related profit. Kroger wants workers to pay $5 to $15 weekly in premiums starting Jan. 1. The retailer says it pays Cincinnati area workers an hourly average of $11.05 in wages and $5.76 in benefits — or about $5 more than Meijer’s hourly pay and $7 more than Wal-Mart. Union officials say workers have generally agreed to lower wage increases to retain health and other benefits. They point out suddenly having to pay up to $780 in annual health insurance premiums would be a heavy burden for a worker making less than $23,000 annually.