Related by context. All words. (Click for frequent words.) 88 nonperforming loans 81 charge offs 80 nonaccrual loans 78 nonperforming asset 73 nonperforming 72 net chargeoffs 72 non accrual 72 nonperforming loan 71 NPLs 69 Non performing 69 nonaccrual 69 OREO properties 69 noninterest expenses 69 chargeoffs 68 ALLL 68 OREO 68 nonaccruals 68 nonaccruing loans 68 noncurrent loans 68 delinquent loans 67 Nonperforming loans 67 Nonperforming assets 66 owned OREO 65 nonperforming assets NPAs 64 noninterest expense 64 repossessed assets 64 loans NPLs 64 accruing loans 63 loans receivable 63 Real Estate Owned OREO 63 noninterest income 62 Total nonperforming assets 62 Charge offs 62 FNLC 62 noninterest bearing deposits 62 securitized loans 62 nonperforming assets totaled 62 assets NPAs 62 CRE loans 62 nonaccrual status 62 Real Estate Owned 62 Impaired loans 61 Nonaccrual loans 61 chargeoff 61 nonaccrual loan 61 NPAs 61 brokered deposits 60 gross NPAs 60 delinquencies 60 nonperforming residential 60 Nonaccruing loans 60 loan chargeoffs 59 loan fundings 59 NPL ratio 59 loan outstandings 59 loan delinquencies 59 nonperforming loans totaled 59 Loan Losses 59 OTTI charges 59 loan originations 59 noncovered loans 58 nonaccruing 58 Nonperforming assets totaled 58 Non accrual loans 58 Asset Quality 58 gross NPL ratio 58 originations 58 Nonperforming 58 Total nonperforming loans 58 Loan originations 57 Non accrual 57 FDIC indemnification 57 Non Performing 57 loan NPL ratio 57 FHLB borrowings 57 REO properties 57 loss severities 56 securitization trusts 56 Lease Losses 56 mortgage loan originations 56 performing loans NPLs 56 Loan Portfolio 56 OREO write downs 56 Lease Losses ALLL 56 unfunded commitments 56 nonperforming loans NPLs 56 adequately collateralized 56 Gross NPAs 56 nonperformers 56 paydowns 56 Nonperforming loans totaled 56 Assets NPAs 56 Northrim 56 ROAE 56 accounts receivable balances 55 losses ALLL 55 principal paydowns 55 FDIC 55 OTTI charge 55 deemed uncollectible 55 FDIC indemnification asset 55 Well Capitalized 55 loan participations 55 ROAA 55 TCE ratio 54 accrual status 54 downward repricing 54 real estate CRE 54 FDIC insured institutions 54 Restructured Loans 54 mortgage originations 54 Delinquent loans 54 nonaccrual loans accruing 54 nonprime 54 Credit Losses 54 LibertyBank Acquisition 54 SmartGrowth Deposits 54 Interest Expense Interest expense 54 noninterest expense decreased 53 nonprime mortgage 53 Previously Securitized Loans 53 Loan Loss 53 Covered Loans 53 SmartGrowth deposits 53 Mortgage originations 53 unrealized losses 53 receivable balances 53 NPL ratios 53 thrifts 53 Noninterest expense decreased 53 souring loans 53 Wysaske 53 Foreclosed assets 53 PremierWest 53 Capital Ratios 53 Delinquencies 52 mortgage loan fundings 52 adequately capitalized 52 undepreciated book 52 loans 52 Ms. Dressel 52 Jimmy Tallent 52 Net chargeoffs 52 CapitalSouth 52 Originations 52 Non accruing 52 Foreclosed real estate 52 FMBI 52 specially serviced assets 52 TSFG 52 Mirae Bank 52 Doubtful Accounts 52 nonaccruing loans accruing 52 accruing restructured 52 Nonperforming Assets 52 Nonperforming assets NPAs 51 OREO valuation 51 Agency MBS 51 noncurrent 51 UCBH 51 FHLB advances decreased 51 foreclosed properties 51 Noncurrent loans 51 CDARS deposits 51 SY Bancorp 51 Leverage Ratio 51 receivables 51 AmericasBank 51 Loans NPLs 51 lien RMBS 51 Foreclosed Assets 51 Cowlitz Bancorporation 51 Risk Weighted 51 origination volumes 51 SmartGrowth Loans 51 BPPR 51 doubtful debts 51 nonprime loans 51 undepreciated assets 51 Restructured loans 51 assets 51 interest margin NIM 51 Brokered deposits 51 capitalized minimums 51 bearing deposits 51 Fifth Third Bancorp. 51 BPPR reportable segment 51 de novo branching 51 depository institutions 51 Unizan merger 51 temporary impairment OTTI 50 LoanCare 50 postpaid churn 50 debt restructurings TDRs 50 Net Interest Margin 50 Tangible Common Equity 50 PrivateBancorp 50 unsold homes 50 Mr. Eishen 50 Kevin T. Kabat 50 TCE TA 50 MSR impairment 50 CREL CDOs 50 RMBS exposures 50 mortgage delinquencies 50 Capital Ratio 50 Intervest National 50 FYE# 50 Loan Losses ALLL 50 Leverage Ratios 50 noninterest bearing deposit 50 Chargeoffs 50 Delinquent Loans 50 critically undercapitalized 50 balance sheet 50 noninterest 50 Sonabank 50 Partnered Brands segment 50 Credit Quality Ratios 50 Triad Guaranty 50 noncash accounting 50 MFB Corp 50 CMHC insured mortgages 50 SHFAs 50 accretable 50 securitized receivables 49 efficiency ratio teb 49 Nonperforming asset 49 Nonaccrual loans totaled 49 -Sunrise Surf Shop 49 REO saturation rates 49 REOs 49 Loan Originations 49 JMP Credit 49 stockholders equity 49 delinquency 49 Renegotiated loans 49 foreclosure filings 49 mortgage fundings 49 Gramercy Realty 49 average equity ROAE 49 REO saturation 49 Charge Offs 49 nonrecurring expenses 49 maturing FHLB advances 49 Leverage ratios 49 PTPP 49 Restructured loans accruing 49 FDIC Deposit Insurance 49 Net Charge offs 49 Delinquency rates 49 PLRMBS 49 NALs 49 uncollectible 49 Wilshire Bancorp 49 Metris Master Trust 49 OLTV greater 49 UCBH Holdings 49 uncollectible accounts receivable 49 Hesperion acquisition 49 lease originations 48 unrealized depreciation 48 TruPS CDOs 48 Westamerica 48 residential mortgage originations 48 BankAnnapolis 48 realizable value 48 Nonperforming loans NPLs 48 BKUNA 48 repaying TARP 48 Nexity Bank 48 NIMs 48 loan originations totaled 48 significantly undercapitalized 48 Repossessed assets 48 Noninterest expenses 48 discount accretion 48 CREL CDO delinquencies 48 OTTI write downs 48 subprime loans 48 conservatively underwritten 48 BIS Tier 48 SBIC debentures 48 uncollectable receivables 48 loan defaults 48 SCVBank 48 accounts receivable 48 adequacy ratio 48 uncollectable 48 Lease Losses totaled 48 assets ROA 48 capitalization 48 Non Accrual Loans 48 chargeoff rate 48 unaccreted discount 48 AGF Trust 48 Net Charge Offs 48 Interest expense decreased 48 Tamalpais Bank 48 Cleartel 48 noninterest expense totaled 48 iStar 48 SFSB Inc. 48 noncash goodwill impairment 48 Tangible equity 48 accretable yield 48 voluntary prepayments 48 Leverage ratio 48 CalFirst Bancorp 48 BancTrust 48 StellarOne 48 Tangible Equity 48 SF CDO exposure 48 valuation adjustments 48 CyberSecurity Solutions segment 48 nonperforming status 48 repricing downward 48 Capstead 48 Non GAAP adjusted EBITDA 48 Nonperforming assets consist 48 IBERIABANK fsb 47 CMBS delinquency 47 Restructured loans - 47 TriStone Community 47 Silvergate Bank 47 LTM adjusted EBITDA 47 Crisa acquisition 47 Mortgage Servicing Rights 47 conforming mortgages 47 jumbo loans 47 Rurban 47 subprime RMBS 47 assets ROAA 47 Ameriana Bancorp 47 Nonperforming assets decreased 47 HELOCs 47 foreclosure resales 47 trust preferreds 47 Possible Loan Losses 47 impairment charges 47 foreclosures 47 lease expirations 47 FTE staffing 47 SouthwestUSA Bank 47 OTTI 47 ASRV 47 Nonaccrual 47 TransLand 47 mortgages 47 Syringa Bank 47 Total nonaccrual loans 47 margin teb 47 L. Phillip Humann 47 balance sheet deleveraging 47 balance sheet securitizations 47 Tamalpais Wealth Advisors 47 Radian Guaranty 47 Total Nonperforming Assets 47 nonprime borrowers 47 Banco Azteca Mexico 47 multifamily mortgage originations 47 write downs 47 Awerkamp 47 subprime ARMs 47 First Busey 47 flat yield curve 47 recourse indebtedness 47 nonprime mortgages 47 BNCCORP 47 Real Estate Owned REO 47 Provident Bankshares 47 Transeastern JV 47 stressed DSCR 47 ninemonths ended 47 FirstCity 47 Impac Mortgage 47 Foreclosed properties 47 revenues teb 47 marketable securities 47 hedging derivative instruments 47 CRE concentrations 47 Noninterest Expense Noninterest expense 47 FHLMC preferred stock 47 Noninterest income 47 marketable securities totaled 47 KZT #.#bn [002] 47 Legacy Bancorp 47 cardmember spending 47 Troubled Debt Restructurings 47 Medicare Advantage MLR 47 FNMA preferred 47 Balance Sheet 47 Loans 47 GNPA 47 Interest Earning Assets 47 Core Deposits 47 Nifty PCR OI 47 deferred loan origination 46 Nonperforming Assets NPAs 46 Noninterest expense 46 ALLETE Properties 46 Saccacio 46 Parke Bancorp 46 Balance sheet 46 value LTV ratios 46 EPADS estimates 46 write offs 46 CommerceWest Bank 46 PacWest Bancorp 46 Customer Repo 46 insured depository institutions 46 LIFO adjustment 46 Capital Adequacy Ratio 46 specially serviced loans 46 nonfarm nonresidential 46 CountryPlace 46 FHLB advances 46 lending 46 policyholder surplus 46 delevering 46 securitized pools 46 Repossessed Assets 46 unsold inventory 46 REO 46 mortgage origination 46 FCDU loans 46 bps sequentially 46 Adjusted EBIDTA 46 CRE exposures 46 Mr. Palagiano 46 Bancshares 46 TEB adjustment 46 Bancorp 46 IBNR reserves 46 Nonaccrual Loans 46 nonrevolving 46 FirstFed 46 margins NIM 46 BancWest 46 FDIC insured deposits 46 AmericanWest 46 loanbook 46 mortgage defaults 46 SouthFirst 46 CMBS delinquencies 46 Prepaid churn 46 OOMC 46 PDP MLR 46 Farmer Mac 46 reinsurance recoverable 46 Deposit Insurance Fund 46 UNITED COMMUNITY BANKS INC. 46 MerueloMaddux 46 Mortgage Guaranty 46 Ms. Bouvette 46 ABCP holdings 46 RO#.# [008] 46 reinsurance recoverables 46 Mortgage loan originations 46 bearing liabilities 46 deemed uncollectable 46 TeamBank 46 easyfinancial 46 nonoperating expense 46 Ms. Brolick 46 ADCBADCB 46 Total Assets 46 Chevis C. 46 Average noninterest bearing 46 Option ARMs 46 LendingTree Loans 46 loans collateralizing 46 foreclosed 46 Centrue 46 FCB Bancorp 46 subaccounting fees 46 Mercantil Commercebank 46 Vibra Bank 46 Dhs1 #m 46 Invested assets 46 easyfinancial Services 46 distressed properties 46 Bancorp. 46 Distressed properties 46 Fee Earning Assets 46 CDO squared transactions 46 MSR valuation 46 SouthwestUSA 45 uncollectible receivables 45 Billable headcount 45 doubtful accounts receivable 45 Remortgaging activity 45 borrowings 45 Midwest Bancorp FMBI 45 Ameriana 45 Gurgovits 45 Total Risked Based 45 noncash pretax charge 45 Subordinate MBS 45 OTC BB FKYS parent 45 outstandings 45 -Asci 45 QCR Holdings Inc. 45 QCRH 45 NAFH 45 Stockholder equity 45 CVBF 45 Fine Chemicals segment 45 delinquencies defaults 45 NIM 45 FMER 45 early extinguishments 45 NASDAQ DCOM 45 amortized cost 45 unrealized gains 45 borrowable resources 45 directionally consistent 45 Adjusted FIFO EBITDA 45 GSEs 45 TruPS 45 preprovision 45 subprime 45 REGULATORY CAPITAL 45 Norlarco 45 Hanmi Financial Corp. 45 subserviced 45 TierOne Corporation 45 Efficiency Ratio 45 Middlefield Banc Corp. 45 Synovus 45 NASDAQ LEGC 45 intangible impairment 45 CapitalSouth Bank 45 Guaranty Bancorp 45 LTVs 45 unevaluated properties 45 Petition Date 45 NONPERFORMING ASSETS 45 Legacy NASDAQ LEGC 45 Tangible Assets Ratio 45 noninterest bearing checking 45 securitizations 45 loan origination volumes 45 Noninterest expense totaled 45 Ted T. Awerkamp 45 redefaults 45 specially serviced loan 45 unamortized deferred 45 TierOne 45 CMBS issuance 45 CREL 45 Cornerstone Bancshares Inc. 45 Nexity Financial 45 SLHCs 45 FCNCA 45 interest margins NIMs 45 Wholesale Banking 45 master servicer 45 mortgage 45 MainStreet Lender 45 depreciable assets 45 Flow NIW 45 TowneBank 45 NCUSIF 45 CG Kum 45 ABS CDOs 45 KIPCOKIPCO 45 assets RoA 45 illiquid assets 45 nonrevolving debt 45 CIRe 45 PCBB 45 unamortized deferred financing 45 Mr. Dellerba 45 MSRs 45 First PacTrust Bancorp 45 Bancorp NASDAQ PCBC 45 CMBS 45 Total Nonperforming Loans 45 EZCORP operated 45 Core noninterest expense 45 Filtran Microcircuits Inc. 45 Nonperforming Loans 45 nonmortgage 45 Capital Adequacy 45 Retail postpaid churn 45 Accruing loans past 45 securitized cardmember loans 45 borrowers defaulted 45 Prosperan 45 FDIC Temporary Liquidity 45 Fixed annuity 45 Fiberglass Composite Pipe 45 FHLBanks 45 Leverage Tier 45 Depreciation Amortization Taxes 45 ALLL ratio 45 shippable backlog 45 Foreclosure resales 45 Tangible Common 45 nonprime lending 45 Stephen D. Steinour 45 RG Premier 45 Grandpoint Capital 45 Total Deposits 45 Fauquier Bankshares 45 lendings 45 NewMil 45 Revenue Trades DARTs 45 Intervest Bancshares Corporation 45 Ps.7 45 Tangible common 45 Barrett NDEx 45 MetroPacific Bank 45 taxable equivalent 45 jumbo mortgages 45 WGNB Corp. 45 value ratios LTVs 45 Bankshares Inc. 45 subprime lending 45 Bancorp OTCBB 45 FFO payout ratio 45 securitized 45 AmTrust 45 HCRY 45 properties collateralizing 45 fullyear outturn represents 45 junior subordinated debentures 45 NASDAQ CCBI 45 HomeBanc Mortgage 45 Delinquency Ratio 45 Lordsburg Mining District 44 LBDP 44 contractually delinquent 44 nonrecourse mortgage 44 NPL Ratio 44 Preprint revenues 44 Interest Margin 44 Radian Asset 44 IBERIABANK 44 CMBS collateral 44 redefault 44 Interest Income 44 FSAH acquisition 44 Acquired Entities 44 goodwill impairment 44 aftertax gain 44 inventories revalued 44 HELOC 44 ABCW 44 NAREIT FFO 44 Loss severities 44 stock basedcompensation 44 revolver borrowings 44 HWFG 44 identifiable intangibles 44 #Q'# 44 Capmark 44 Than Temporary Impairment 44 Ps.#.# [002] 44 Assets ROA 44 bakery cafe sales 44 depreciable asset 44 unamortized discount 44 CREL DI 44 temporary impairments 44 Mariner Bancorp 44 Vantus Bank 44 income AOCI 44 DiaMed acquisition 44 Consolidated Adjusted EBITDA 44 Balance Sheet Assets 44 FIGA assessment 44 Corp. Nasdaq HRZB 44 defaults 44 J. Tyler Haahr 44 Normalized FFO 44 NASDAQ SUSQ 44 Syringa Bancorp 44 subprime mortgages 44 UkrGasBank 44 unitholder distributions 44 NASDAQ TONE 44 OptimumBank 44 BOKF 44 Earning assets 44 de levering 44 undisbursed portion 44 unamortized financing 44 EvergreenBank 44 goodwill impairment charge 44 Fitch BBB medians 44 Service1st 44 FirstMortgage Inc. 44 Remortgages 44 B. Levan 44 DAC unlock 44 Adjustable Rate Mortgages ARMs 44 subservicing 44 rate mortgages ARMs 44 LVRs 44 NYSE BBT 44 NASDAQ NKSH 44 Commodity Margin 44 Repliform R revenues 44 NPREIT 44 Nasdaq WIBC 44 prepayment speeds 44 PBKS 44 WFSL 44 Nonperforming residential 44 CityBank 44 Foreclosures 44 FHLBs 44 Financial Ratios 44 subordinated debentures 44 International Liftboats 44 unamortized issuance costs 44 Superior Bancorp 44 HAMP modifications 44 Current Mortgage Rates 44 ResMAE 44 NovaStar Mortgage 44 DSCRs 44 ResCap 44 repo counterparties 44 prepayment speeds loan originations 44 IndyMac 44 Congressionally chartered wholesale 44 Acquisitions dispositions 44 Prepayment speeds 44 LTV ratios 44 BHCs 44 Factor WARF 44 Core FFO 44 margin FTE 44 Vacation Interval sales 44 borrowers 44 CommunitySouth 44 NCUA 44 undercapitalized 44 deposits 44 Dhs2 #m 44 Ofheo 44 NatCity 44 undepreciated book capital 44 UBNK 44 IStar 44 uncollectible reinsurance 44 Prepaid ARPU 44 CREDIT QUALITY 44 spokesman Don Vecchiarello 44 Fiber Optics segment 44 DCOH 44 Foreclosure deeds 44 Ps.#.# [003] 44 MCCSR ratio 44 Ps.3 44 Harland Acquisition 44 EUR#.#b 44 Timeshare segment 44 undrawn revolving 44 - - [055] 44 TFG CLO investments 44 Dataquick 44 DSOs 44 TARP repayment 44 Ps.6 44 Performance Ratios 44 unsecuritized 44 Vestin Group 44 Patapsco Bancorp Inc. 44 noncash goodwill 44 leaseback transactions 44 RMIC 44 c Calculated 44 JunJing III 44 pro forma adjusted EBITDA 44 Deposit Rate AWDR 44 Wintrust Financial 44 extendible revolving 44 FRMs 44 Servicer Ratings 44 EagleBank 44 sale leaseback transactions 44 Mezzanine Loan 44 CoreLogic HPI national 44 consolidated balance sheet 44 Loan originations totaled 44 Placer Sierra 44 Iberiabank 44 Funded backlog 44 AmericanWest Bancorporation 44 rated MTP Shares 44 Unfavourable Changes 44 5x rollover 44 solvency ratio 44 PrivateBank 44 IGD surplus 44 EPADS estimate 44 nondepository 44 Negative Rating Watch 44 unannualized 44 Loan Facilitation Services 44 lenders SVRs 44 NewDominion 44 undrawn revolver 44 Ronald K. Migita 43 Wilshire Bancorp Inc. 43 nonconforming mortgages 43 specially serviced 43 FHLBNY 43 permanent HAMP modifications 43 Brokered CDs 43 FUEL CHEM segment 43 PeoplePC Online subscribers 43 NCB FSB 43 unamortized premiums 43 Brokered Deposits 43 Shareholder Equity 43 Nasdaq LEGC 43 VPBM 43 Pro forma Adjusted EBITDA 43 undisbursed loan 43 Operating Expense Ratio 43 mortgage originators 43 StanCorp Mortgage Investors 43 Subordinate MBS portfolio 43 FHLB borrowings decreased 43 Mr. Wehmer 43 SolutionsBank 43 disciplined underwriting 43 BPOP 43 nonbusiness filings 43 Mortgage loan fundings 43 WSFG 43 CRE CDO 43 Wintrust 43 Waccamaw Bankshares 43 Cascade Nasdaq CACB 43 noninterest expense partially offset 43 VIEs 43 Sterling Bancshares Inc. 43 Lease Realty 43 Nasdaq SUPR 43 RMBS transactions 43 negative amortizing 43 SuffolkFirst 43 CommerceFirst 43 adequacy ratios 43 SFSB transaction 43 Oritani 43 SPN Resources 43 lenders 43 Chemicals Segment 43 CIB Marine 43 MEP Joint Venture 43 Deposits #,#,# #,#,# [003] 43 Surplus Requirements MCCSR ratio 43 MSR hedging 43 YE# [002] 43 Loans receivable net 43 BancShares 43 Ps.3 #.# 43 Vestin Realty Mortgage 43 UCBH Holdings Inc 43 Zayat Stables defaulted 43 BPFH 43 noninterest bearing transaction 43 paydown 43 EuroBancshares 43 balance sheet securitized cardmember 43 Hanmi 43 BGN #.#bn 43 Bancorp Nasdaq WCBO 43 Indymac 43 #,#,# #,#,# Allowance [001] 43 Surplus Lines segment 43 Shingle Springs Tribal 43 subprime mortgage defaults 43 EBITDAS 43 Company Nasdaq WBCO 43 Gerdau Sa GGB 43 Hampton Roads Bankshares 43 LAE ratio 43 Mercantile Bancorp 43 Accruing loans 43 Metris Master 43 SCAP buffer 43 Pay Option ARMs 43 EvergreenBancorp 43 YNB 43 Fifth Third 43 Huaron 43 Inc. NASDAQ UCBI 43 Unitrin Direct segment 43 MXN#.# billion [002] 43 refinancings 43 Shore Bancshares 43 NRUCFC 43 securitized mortgages 43 StanCorp 43 Motorhome Resorts Segment 43 PremierWest Bancorp 43 TAYC 43 CMHC insured 43 XLU SPY Relative Strength 43 Nonearning assets Allowance 43 Stockholders equity 43 First BanCorp 43 cash equivalents marketable securities 43 extendible revolving term 43 multifamily delinquency 43 Mr. Jezuit 43 Brooks Eckerd stores 43 Board INTZ Intrusion 43 NAIC RBC 43 soured mortgages 43 AFFO 43 intangible impairments 43 Spherion Employee Confidence Index 43 normalized EBIT 43 cardmember lending 43 pretax noncash charges 43 Deposit Composition 43 Variable annuity deposits 43 AOCI 43 AHMSI 43 RMBS collateral 43 Corporation Nasdaq MBWM 43 NASDAQ BNCL 43 NYSE CXS 43 BNCCORP INC. CONSOLIDATED FINANCIAL 43 NASDAQ BUSE 43 Daberko 43 Katonah Debt Advisors 43 IDT Carmel 43 Paul M. Pantozzi 43 - Total Assets [013] 43 WaMu 43 LIABILITIES AND STOCKHOLDERS DEFICIT 43 subprime originations 43 Debt Balances 43 NASDAQ YAVY 43 VIST Financial 43 Statutory surplus 43 Excluding goodwill impairment 43 Fieldstone Investment 43 Ambac insures 43 Still Accruing 43 Conexxus 43 Refinancings 43 FYE# FYE# 43 nondeductible expenses 43 FDIC insures 43 SAR#.# billion [002] 43 OptimumBank Holdings 43 IBNR 43 Nonprime 43 RoEs 43 SCBs 43 Nasdaq FNSC 43 covenant headroom 43 guaranty insurers 43 Default notices 43 BankFinancial 43 BankAtlantic Bancorp 43 RGU additions 43 bank repossessions 43 loan 43 Ocwen 43 thrifts eked 43 CMHC insured mortgage 43 policyholder dividends 43 NYSE OCN 43 YonY 43 EMEA CMBS 43 Mariner Bancorp FMAR 43 Tangible stockholders 43 ECU netbacks 43 net realizable 43 REVENUE Revenue 43 Dalian Huiming 43 #.#tn pesos [001] 43 THB#.# billion [002] 43 Kereco 43 SeaBright 43 monoline exposure 43 loan origination 43 Capital Purchase 43 Flagstone Holdings 43 MBS AFS 43 Borrowing Capacity 43 Blodnick 43 Less Charge offs 43 CAPITAL RESOURCES 43 ROAs 43 Mr. Ridgill 43 Wireline adjusted EBITDA