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The value of a bank is a complex and involved topic. Dertermining value requires an understanding of the purposed of the valuation, the underlying business, the assets involved, the outlook for the market served, competitive position, financial history, and a host of other factors. For example, establishing the value based solely on a bank's book value is a convenient shorthand, but not a good technique of establishing actual value. Regardless of the potential need for a proper valuation, commercial banks and bank holding companies have several characteristics that distinguishe them from other types of businesses and that influence the application of valuation techniques. It is critical to bear these in mind during the valuation process. Provides a thorough and practical discussion of valuation and techniques that apply to the banking and financial services industry. By necessity, however, the scope of the discussion goes beyond valuation. It is necessary to understand various transactional processes (e.g., the merger & acquisition process), target bank analysis, tax ramification, and specific accounting rules, in addition to valuation methodology. Consequently, this title is a beneficial primer for those with only a cursory knowledge of banking and valuation as well as a useful reference for seasoned professionals.

• Sales Rank: #4023946 in Books
• Published on: 1995-11-03
• Original language: English
• Number of items: 1
• Dimensions: 9.78" h x 1.11" w x 6.81" l,
• Binding: Hardcover
• 288 pages

From the Publisher
A comprehensive guide to the valuation of banks, savings and loans, thrifts, credit unions and other financial institutions for mid- to upper-level banking executives. From evaluating underlying assets to analyzing a bank's potential market, Miller offers bank professionals the tools and techniques they need to complete an accurate valuation. Illustrates the importance of and provides comprehensive explanations of the unique financial structure of banks, bank income statements, bank operation and management and overall structure of the banking industry.

Most helpful customer reviews

6 of 7 people found the following review helpful.
excellent read
By chris dalton
As someone who has followed the bank merger game for quite some time I found this book to be an excellent read. It discusses in detail how to properly go about valuing the various peculiar assets of a bank such as deposits. It also goes in depth on how the various valuation methods differ from each other. It was a valuable guide to help me determine the fair value of merger candidates in the 90's bank merger boom. I suggest it to anyone who invests in bank stocks.

7 of 7 people found the following review helpful.
Good basic material but not deep enough
By A Customer
This book provides a good basic reading material which would be useful to get a first sight of valuing a commercial bank. However, for practicioners, it seems that the book is not deep enough to answer "why" questions and not technical enough in providing enough "bullets" to be used in the real world. For me it's dissapointing, since my colleague recommends it highly.

See all 2 customer reviews...

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[Y515.Ebook] Free Ebook Spirits of the Earth: A Guide to Native American Nature Symbols, Stories, and Ceremonies, by Bobby Lake-Thom

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"There are ancient secrets and lessons hidden in nature. If you seek for guidance, you will discover truth." —Bobby Lake-Thom

Much of the ancient knowledge that has been passed down from Native American medicine men, or shamans is in danger of being lost. Bobby Lake-Thom, a Native American healer known as Medicine Grizzly Bear, has sought to preserve this powerful heritage by sharing his wisdom and experience learning from the world around us. The result is Spirits of the Earth, an extraordinary compilation of legends and rituals about nature's ever-present signs. From the birds that soar above us to the insincts beneath our feet, Bobby Lake-Thom shows how the creatures of the earth can aid us in healing and self-knowledge.

What does it mean if a hawk appears in a dream? What are the symbolic interpretations of a deer, a skunk, a raccoon? Lake-Thom, who has studied with the elders of many tribes, explains the significance of animal figures as manifestations of good or evil, and shows how we can develop our own powers of awareness and intuition. The first book of its kind, this practical and enlightening resource includes dozens of fashinating animal myths and legends, as well as exercises and activities that draw upon animal powers for guidance, healing, wisdom, and the expansion of spiritual influences in our lifes. You'll discover here:


   • How animals, birds, and insects act as signs and omens
   • The significance of vision quests
   • How to make and use a medicine wheel
   • The role of spirit symbols—and how they affect the unconscious
   • Excercises for creative dreaming
   • The power of the earth-healing ceremony
   • How to increase your spiritual strength and create sacred spaces
   • And more

• Sales Rank: #25112 in Books
• Published on: 1997-08-01
• Released on: 1997-08-01
• Ingredients: Example Ingredients
• Original language: English
• Number of items: 1
• Dimensions: 9.20" h x .60" w x 7.30" l, .68 pounds
• Binding: Paperback
• 224 pages

From Library Journal
Native Americans believe that animal spirits can ultimately influence everyday lives. Lake-Thom, a healer and a descendant of three Native American tribes, combines his own experience, work with tribal elders, and readings from folk tales to explain the significance of good- and bad-luck symbols to these tribes. For instance, the hummingbird is considered to be a good-luck messenger that can carry a person's prayers to the Creator; in contrast, the owl is considered a sign of bad luck and a messenger of death. In a clear and straightforward writing style, the author defines symbols such as the turtle, bear, and coyote for Karuk, Seneca, and Cherokee tribes. He also includes several chapters on how one can get in touch with animal spirits through active participation in ceremonies and establishing sacred places. There is a helpful index and accompanying sketches. Recommended for public libraries.?Vicki Leslie Toy Smith, Univ. of Nevada, Reno
Copyright 1997 Reed Business Information, Inc.

Review
“Lake-Thom, a healer and a descendant of three Native American tribes, combines his own experience, work with tribal elders, and readings from folk tales to explain the significance of good- and bad-luck symbols to these tribes… Clear and straightforward.”—Library Journal

From the Back Cover
Lake-Thom, who has studied with the elders of many tribes, explains the significance of animal figures as manifestations of good or evil, and shows how we can develop our own powers of awareness and intuition. The first book of its kind, this practical and enlightening resource includes dozens of fascinating animal myths and legends, as well as exercises and activities that draw upon animal powers for guidance, healing, wisdom, and the expansion of spiritual influences in our lives. You'll discover here how animals, birds, and insects act as signs and omens; the significance of vision quests; how to make and use a medicine wheel; the role of spirit symbols - and how they affect the unconscious; exercises for creative dreaming; the power of the earth-healing ceremony; how to increase your spiritual strength and create sacred spaces; and more.

Most helpful customer reviews

9 of 9 people found the following review helpful.
True treasure for the lover of nature
By Teresa Orth
Fantastic book. I bought this for a child in foster care who wanted to learn more about his Native heritage. However, I discovered that my children and I loved this book. The simple and thoughtful explanations of how nature might speak to us in our daily lives was refreshing and enlightening. As one example, I used to have a hummingbird charm in my car and I found that the hummingbird in Native culture is associated with with healing and being a healer. I am in the healing and medical profession and this resonated with me. Please consider this book for your children who might also enjoy the symbolism of nature (think those kids who also enjoy the symbolism of literature and Greek mythology). This is a true treasure for your home.

12 of 12 people found the following review helpful.
So Much Good Stuff
By K. Hudecek
What an incredible book! I learned so much from it and it was worth every penny I paid for it. It is filled with useful information that sometimes seems far-fetched but when I started doubting, I'd remember just who wrote this book and remembered that this author is a holy man, shaman, medicine man, whatever you want to call him. He knows. He's been taught all of this since he was a child and has been brought up in the traditional ways.

I took the time to do the exercises with the stories that were told and after I looked back at what I had written, it was like an epiphany. I had to read some of them several times, which he recommends you do anyway, and I was like, "I get it!" I was able to make the connection on most of them. A few of them, I am still thinking about.

In the book, he talks about birds, animals, insects, reptiles and what they mean when you see them and how to handle them if they make a sudden, unwanted appearance inside your house. I will give you two examples of my own personal experiences:

Just yesterday, I was standing out in my garage smoking a cigarette when a tiny little spider lowered himself into my line of vision. My first instinct was to give him a fatal thwack. But no. After reading that part of the book, I knew he might be trying to tell me something. Spiders are messengers so as insane as this is going to sound, I asked him what was going on. Of course, he didn't answer me but now I am looking for something that I may have blown off before. He lingered there for a minute then he went back up and I haven't seen him since. But not all spiders are good.

Another thing that totally made sense to me is the section on cockroaches. Never in my life had I had to live with cockroaches until I bought this house and then they came into my house from next door after the exterminator had gone in there and done his job after the slothful people who'd lived there before had been evicted and moved out. We definitely had a problem with them so we called the exterminator...twice. He came and he did his thing and they were gone for a little while but then they came back but not as badly. We took matters into our own hands then and got ourselves some Roach Prufe and sprinkled that around. That seemed to do the trick, too. But while all of this was going on, people were coming and going out of our house and some of them weren't the good kind of people. Once we got rid of the bad people, the roaches went away. A few of them were friends of our sons and one was a person who just pretended to be a friend of my mine and my husband's. Once these people were out of our lives, the roaches were gone and we haven't seen any since.

I took this book very seriously and I learned so much from it. I now understand the sacredness of certain places on Earth even though I had a great idea before. I understand how we are all connected which really wasn't a revelation to me but this reinforced it for me. I no longer think that animals are a step beneath us. They are our equals and they are our relatives and should be treated with respect. They will talk to you if you choose to listen. Nature will talk to you if you listen.

I also understand some of the ceremonies and someday hope to make my own medicine wheel. I also want to dream creatively. All of this and more is in this book.

Yes, I am part Indian but probably not enough to make a big difference. But you don't have to be to understand this book. You just have to open your mind and your heart and be open to what's being said. Some will think it's hokey or just a big put-on but these stories have been passed down from generation to generation and have substance and standing.

This is a life changing book and I know I will be referring back to it often.

While I'm preaching this, I guess I would recommend Native American Wisdom, too. My oldest son is 11 and just got done reading his copy of Native American Wisdom and told me it was probably the greatest book he's ever read. Native American Wisdom is required reading for both of my sons when they turn 12 and I'm thinking I might be adding this book to their short list of required reading.

3 of 3 people found the following review helpful.
A Great Go-to Guide!
By Amazon Customer
The author gives lots of examples and shares a good amount of knowledge about the subjects he covers. The book is very easy to read and is formatted in a very logical way. I really liked how the book brings a new level of meaning and understanding to some of the things you see everyday. After reading and even re-reading about the symbols I am not only more aware but actually feel a difference in my everyday life. It may sound hokey to some but more than a few times in the past month these symbols have come to me and communicated with me much like the author describes. Even if you don't believe in the Spirit World, it is interesting to learn about the various cultures and their beliefs. I highly recommend this to anyone who wants to better understand the World around them.

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On May 12th, 1998, two months before her final exams at law school, Wendy Fitzwilliam became the second Trinidadian (and second woman of colour) to capture the Miss Universe title.

When, eight years later, Wendy announced that she was pregnant, the news was dramatic and controversial.

Letters to Ailan is the narrative of a tumultuous time in Wendy’s life. It chronicles the impact made on her friends, family and adoring public by her choice to become and remain a single mother. It deals with the turbulent relationship she shares with her son’s father. Wendy asks tough questions of herself about family, love, friendship, religion and social norms which challenge the reader to reflect on these matters. It is the story of her singular determination to be the best mother possible to her child.

Penned as an extended love letter from mother to son, Letters to Ailan is a frank, honest, compelling story, written by a strong, uncompromising woman never far from the glare of the public spotlight.

The Book Cover was Photographed by Calvin French

• Sales Rank: #1166389 in eBooks
• Published on: 2010-10-10
• Released on: 2010-10-10
• Format: Kindle eBook

Most helpful customer reviews

2 of 2 people found the following review helpful.
A Realistic Look at Life
By A Gibson
I docked one star because I think the book was released too early in Ailan's life. Not only from the point of view that he has to grow up in a tough world with his story in the public domain, but after what Alex seemed to have morphed into,it would have been interesting to see how Ailan fared at a similar age. Sequel perhaps?

1 of 1 people found the following review helpful.
great reading!!!
By Jason Whittaker
i totally enjoyed this piece of work... will definitely be reading it again in future just for the fun of it...

0 of 0 people found the following review helpful.
interesting read
By Resa
Lovely book which took lots of courage to write and publish. Indirectly Offers a lot of great insight into how we women make choices. every young woman should read.

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Build skills and classic furniture pieces for your home. Author Gregory Paolini is a projessional woodworker, with an affinity for the Arts and Crafts style. When he isn't building and teaching classes in his workshop, Paolini writes woodworking books with expert instruction, including this must-have guide - Arts & Crafts Furniture Projects.

If you like Arts & Crafts style, you will want this book in your shop. Appealing to both beginner and seasoned woodworkers, Arts & Crafts Furniture Projects showcases nine iconic furniture projects that vary in difficulty. Timeless and always in style, Arts & Crafts is a perennial favorite and a style that works nicely with almost any home decor.

Learn from an expert. Now, with help from Gregory Paolini, you can construct a beautfiul suite of handcrafted furniture for your home! The projects featured here take you from the basics to advanced techniques - all clearly demonstrated in 25 detailed illustrations and 250 beautiful and instructive photographs.

Enjoy all this and more:

• Informative overview of the Arts & Crafts movement and revival
• Key construction methods for beginners
• Basic stock preparation
• Mortise and tenon joinery
• Half lap joints
• Dovetail sockets
• Prepping a panel
• Through-tusk tenon
• Rabbet joints
• Ship lapping and much, much more

9 projects that build on your skills. As you work your way through the boo you learn new skills with each chapter that then develops into more advanced techniques with each new project.

• The Stickley Inspired Frame and Mirror
• Round Table
• Bookcase
• Bed
• Cabinet with Hinges
• Book/Magazine Pedestal
• Stickley Side Chair
• Greene and Greene Wall Table
• Morris Chair
• Finishing Methods

• Sales Rank: #888214 in Books
• Brand: Taunton Press
• Published on: 2015-03-10
• Original language: English
• Number of items: 1
• Dimensions: 10.60" h x .40" w x 8.30" l, 1.29 pounds
• Binding: Paperback
• 176 pages

Features

• Key construction methods for beginners
• 25 detailed illustrations & 250 photographs

About the Author

Professional woodworker GREGORY PAOLINI is a frequent contributor to Fine Woodworking magazine. He is the author of Kitchen Cabinets Made Simple and appears in the companion DVD video as well.

Most helpful customer reviews

0 of 0 people found the following review helpful.
All woodworkers should read this book!
By Tom L Noffsinger
Greg's descriptions are clearly written and very easy to understand. As one of his frequent students at his school, I can say that it is almost as good as attending in person. An extremely informative book for any furniture maker.

Tom Noffsinger, The Sore Thumb Woodworking, Raleigh, NC

2 of 2 people found the following review helpful.
enjoyed his Fine Woodworking articles
By Mike Burger
We have taken Gregory's Morris chair class, used his plans, enjoyed his Fine Woodworking articles, and own his other two books. This book is a major advancement and professional achievement; he provides insightful tips, top notch plans, and a pragmatic approach to woodworking. His masterful instruction separates this book from the many other woodworking books that we own. This is one book that every beginner and intermediate woodworker must to add to his/her collection!

1 of 1 people found the following review helpful.
Great book for woodworkers
By B. Rutledge
Very well written, with lots of helpful photographs. I have about 100 woodworking books, this is easily in top 10%.

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[C776.Ebook] Ebook Free Daniel Defoe: The Life and Strange, Surprising Adventures, by Richard West, Daniel Defoe

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The many baffling, colorful facets of Daniel Defoe's person and career come into striking focus in this new biography by Richard West. Here is Defoe the tradesman, soldier, and spy, the journalist, novelist, satirist, newsman, and pamphleteer. Consistent only in his failure as a businessman, Defoe would never manage to provide adequately for his wife and their six children, neither in commerce nor by his undeniably prolific pen - a pen that in the year following Defoe's imprisonment, by West's estimate, wrote a half million words. That same year Defoe also founded a newspaper, The Review, for which he created such features as the lead story, the obituary, foreign news analysis, the gossip column, and the advice column. With a finesse and independence of spirit not unlike his subject's own, West unfolds his story of a maverick Defoe, a Puritan but no prude, a Dissenter without a constituency, a hack who never failed to pursue the truth and by the way also produced "Moll Flanders," " "Roxana," "A Journal of the Plague Year," and "Robinson Crusoe."

• Sales Rank: #949811 in Books
• Published on: 1998-09
• Original language: English
• Number of items: 1
• Dimensions: 10.00" h x 6.75" w x 1.50" l,
• Binding: Hardcover
• 427 pages

From Publishers Weekly
It's not surprising that West, an Englishman and the veteran author of numerous books on history and travel, is an admirer of "the fertility of Defoe's brain as well as the physical strength of his writing hand." West's life of the prolific if unconventional journalist who invented so much of his nonfiction that he moved easily into the novel, begins rather stiffly but becomes livelier as Defoe (1660-1731) grows up, writes more and gets into more trouble. West concedes at the start that he has not written "a definitive, academic, or even scholarly analysis of Defoe's writing." Nor has he produced a biography, he confesses, to replace Paula Backschneider's far more substantial Daniel Defoe (1989). Rather, inspired by Defoe's semifictional three-volume A Tour of the Whole Island of Great Britain (to West the writer's masterpiece), he turns to Defoe's neglected, often imaginative travel books and the author's equally slighted run of lively and pioneering news-and-gossip papers of 1704-13. West's life, then, is for readers who want to know more about the compulsive writer, royal secret agent and bankrupt London merchant than the author of Robinson Crusoe, Moll Flanders and his pseudo-histories and pseudo-memoirs. Defoe's method, West contends, was "the exercise of imagination?quite a different thing from invention or lying." Much more than a political pamphleteer and political spy, or the tireless hack penning bogus autobiographies, Defoe emerges in West's colorful (if sourceless) biography as an adventurer whose authentic life might have made his best book. 16 pages of b&w illustrations.
Copyright 1998 Reed Business Information, Inc.

From Library Journal
West, a journalist and travel writer, provides a nonscholarly yet detailed and sympathetic biography of Daniel Defoe (1660-1731), an author who was also adept at journalism, pamphleteering, and fiction and travel literature. Known today for such novels as Robinson Crusoe and Moll Flanders, Defoe was initially famous for his polemical writings on politics, religion, and social issues. West also details 17th- and 18th-century England, and?though readers may periodically feel inundated by the wealth of information?establishes the political and social climate that shaped Defoe's life and literature. By the end, readers will feel compelled to return to the works discussed. Recommended for all public and academic libraries; those that have the more scholarly biography by Paula Backscheider (Daniel Defoe: His Life, LJ 10/15/89) will want to add West's book for readers who desire a more popular overview of Defoe's career and written achievements.?Morris Hounion, New York City Technical Coll. Lib., Brooklyn
Copyright 1998 Reed Business Information, Inc.

From Booklist
Few biographical subjects have led more intriguing lives than Defoe (1660^-1731). He is most famous as the author of Robinson Crusoe, but that ur-novel was a product of the penultimate of several careers. Defoe had been a rebel soldier, a feckless entrepreneur, a fearless pamphleteer, a confidant to King William III, a Tory government spy, and a pioneering political journalist before becoming a book writer who mixed fiction and fact so smoothly that literary detectives are still sifting the realities out of his so-called novels and the fancies out of his classic Tour of the Whole Island of Great Britain. Bankrupted young, he later sat in the pillory for the sake of a free press and proved so politically independent that he was finally attacked by Tories and Whigs alike. Meanwhile, he sired seven children in his marriage to the long-suffering Mary Tuffley. During his last years, though a semi-invalid after a horrible operation for bladder stones, he ventured into business again, with similar sad results. He died fleeing his creditors and, as always, writing and publishing. Although West devotes most of this big book's latter half to synopses--with more extrapolation than exegesis in them--of the novels and the Tour and seems not to have done any original research, he writes splendidly, reanimating Defoe and his genuinely turbulent era (seventeenth-century England, in particular, was as brutal and dangerous as contemporary Bosnia) in a smart and engrossing popular biography. Ray Olson

Most helpful customer reviews

8 of 8 people found the following review helpful.
A superb biography of a unique and fascinating man.
By Midwest Book Review
In Daniel Defoe: The Life And Strange, Surprising Adventures, biographer Richard West tells the story of Daniel Defoe, a maverick, a Puritan, and a dissenter without a constituency. Defoe was also a bankrupt who rubbed elbows with a king, a hack who never failed to pursue the truth. And the writer who produced such literary classics as Moll Flanders, Roxana, A Journal of the Plague Year, and Robinson Crusoe. Defoe's life was every bit as dramatic and unexpected as the protagonists of his famous novels. West has wonderfully and scrupulously recreated the remarkable personality and the colorful times that shaped and were shaped by this noted, fascinating, unique and historic literary figure.

6 of 6 people found the following review helpful.
A delightful insight to the world of the enigmatic Defoe
By A Customer
With the tools of a storyteller, Richard West takes his readers on a journey to the world of the enigmatic Daniel Defoe and the political machinations of Britain at the dawn of the 18th century. To any reader,even to one who has a limited understanding of British history, West paves a path among the intrigue of the Whigs and Tories, and has his reader follow the footsteps of Defoe into the Tower of London, the roads of Great Britain, and the gardens of rulers. With the ability to explain Defoe's mysterious background, West guides the reader toward an understanding of a man who has remained elusive for centuries. West offers the reader an explanation for the many masks that Defoe wore as writer, invester, spy and traveler. With the skill of a story-teller, West opens a world of historic fact even to the most reluctant non-fiction reader.

6 of 6 people found the following review helpful.
Solid and Readable
By ecoderringer
West provides a very readable, unfussy biography, presenting a vivid and detailed portrait of Defoe's life and times. He falls short with his "analysis" of the novels, which amounts to little more than plot summary, but his insight into Defoe's character--as a man of high moral principle who occasionally succumbed to expediency--is priceless.

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[A886.Ebook] Free PDF On Death and Dying: What the Dying Have to Teach Doctors, Nurses, Clergy and Their Own Families, by Elizabeth Kubler-Ross

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"The Stages: Denial and Isolation, Anger, Bargaining, Depression, Acceptance..."

• Sales Rank: #288706 in Books
• Published on: 1977
• Ingredients: Example Ingredients
• Number of items: 1
• Binding: Paperback
• 289 pages

Most helpful customer reviews

1 of 1 people found the following review helpful.
Great insight into the psychology toward our ultimate end.
By Leonard Seet
It has become clich� to say we live in a society that denies death. From her experiences with dying patients, Elisabeth K�bler-Ross sheds insight into how we face, or not face, death. She details the famous Five Stages --denial and isolation, anger, bargaining, depression, acceptance--through case studies of patients. The K�bler-Ross Model, for better or worse, have become the model from which academics and lay people understand the process of dying. But more than the model, the book forces us to gaze death in the eyes and confront our fears. Only then can we integrate death into life and realize that death is part of our life and indeed a vital part. If we deny it or even just neglect it, our lives become incomplete. We don’t have to obsess over death just as we don’t just focus on our health to the neglect of other parts of lives. When death becomes an integral part of our beings, our lives become more dynamic.

Great insight into the psychology toward our ultimate end. On Death and Dying is not only for those facing death and their close ones, but for everyone, to prepare our journey to the end, and thus to gain strength in living our lives and in caring for those around us.

2 of 2 people found the following review helpful.
Five Stars
By Brian Pierson
This great book has enabled me to get in touch with my own period of grief.

1 of 1 people found the following review helpful.
I purchased this for a family member whose parent has ...
By R. Magyar
I purchased this for a family member whose parent has cancer. My original purchase was when the book was originally published. I think this book should be given to families going through the cancer process as so much is explained. The book arrived quickly and intact.

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