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To Our Clients, Colleagues and Friends,

• The people at Bank of Marin ($1.2 billion in assets) must drink the same water as near-by Westamerica Bank.  Bank of Marin (BMRC) reported its Q4 numbers as follows:  1.29% ROA, 12.9% ROE, 4.92% net interest margin,  with 27% of their deposits in non-interest bearing accounts.   A big part of having such good numbers is the last one: Have a lot of non-interest bearing deposits and pretty much everything else falls into place.
  


• Would anyone like to do a study to see if there’s a correlation between a high level of non-interest bearing deposits and a low level of non-performing loans?  We suspect there is. Anyone, where can i find Sumycin online.
  


• Did you know that U.S Treasury Secretary Tim Geithner speaks Mandarin. Online buy Sumycin without a prescription, What a mistake to have revealed this. Wouldn’t he be much more effective negotiating with Chinese officials if they didn’t know he understands their language?  
  
  


• We wrote a few weeks ago about the huge challenge facing China as they transition from a manufacturing economy to a knowledge-based one, but I was wrong.  They’ve already met the challenge and are making the transition just fine, BUY Sumycin ONLINE WITHOUT PRESCRIPTION. Only five years ago, China was 14^th in the world in the publication of science and engineering papers in academic journals, Sumycin over the counter. Today, Real brand Sumycin online, they rank #2.
  


• Sometime later this year, China ’s holding in U.S, online buying Sumycin hcl. Treasury bonds will top $1.0 trillion. They currently own $900 billion. 
  


• BUY Sumycin ONLINE WITHOUT PRESCRIPTION, The future can be bright for both China and the U.S. Buy Sumycin from canada, if both nations cooperate on trade and global problems.  Unlike the Cold War when one of the superpowers was expansionist, this time we’ll have two super-powers interested in trade and peace.  China has been a victim of many wars, but they have a long history of living in peace with their neighbors, where can i buy cheapest Sumycin online. Unlike the Soviets, Sumycin trusted pharmacy reviews, China has almost no history of expansionism.
  


• This short video clip is the single best microcosm of what happened in the real estate bubble.    Totally brilliant.
  


• Did you read last week about the biggest Mafia bust in history where they arrested over 100 mobsters and crooks, order Sumycin no prescription. Surprisingly, not a single one was a mortgage broker, BUY Sumycin ONLINE WITHOUT PRESCRIPTION.
  


• When he left office and left California saddled with a $28 billion deficit, Buy cheap Sumycin, Arnold Schwarzenegger complained that he could have made $200 million as an actor during his years as Governor. No whining, please.  Californians thought they were electing a non-politician like New Jersey ’s Chris Christie turned out be, buy Sumycin online cod, but we ended up with an ineffective Jimmy Carter-type.  Here’s Arnold before and after entering politics, Kjøpe Sumycin på nett, köpa Sumycin online, and it’s hard to know which photo would be more frightening to little children.
  
  Perhaps Arnold ’s greatest contribution is reminding us that after a certain age, men should never wear Speedo swimsuits in public.


• Something like 40-50% of the population doesn’t pay taxes, purchase Sumycin online, but what if you couldn’t vote in national elections unless you paid something in taxes?  You’d exclude the elderly and the infirm, Buy Sumycin no prescription, of course, but the point is not to keep people from voting so much as to have everyone pay something, even if only a token amount, order Sumycin from mexican pharmacy. It’s just a thought.


• From Aurora Financial ( New Jersey ) CEO Joe Zinman:  “A clarification regarding your idle speculation on what Ozzie Nelson’s vocation may have been.  Since I used to listen to their radio show in the late 40’s, Where to buy Sumycin, long before they segued to the TV series, Ozzie got to hang around the house all day (invariably clad in his tan cashmere sweaters)  because he was a bandleader and only worked at night.  As I recall, Harriet was his former lead vocalist in real life.  This is what happens when you approach 70 years of age:  you get to remember useless bits of information like this from your youth!”  Aurora ’s a very well-run company that has always retained servicing and also specializes in mortgage bond issues, Sumycin from canadian pharmacy. BUY Sumycin ONLINE WITHOUT PRESCRIPTION, By the way, Joe came all the way from new Jersey to attend our November client dinner.


• Having regulated loan officer compensation, what would happen if Dodd-Frank  went after baseball player comp?  Target #1 would be the Angels $61 million outfield. That’s $9 million to Bobby Abreu, Ordering Sumycin online, $18 million to Tori Hunter, and $23 million to Vernon Wells (below).  And if that $50 million isn’t enough, they’re still on the hook for the remaining $11 million on Gary Mathews’ contract, Sumycin price, coupon.
  
  

In his 12 year career, Sumycin gel, ointment, cream, pill, spray, continuous-release, extended-release, Vernon Wells has averaged 26 homers, 95 runs batted in and a .270 batting average.  Maybe he could do promos for Wells Fargo.  “I’m Vernon Wells, and I do my banking with Wells.”

• Comerica is gradually becoming more and more a Texas and West Coast bank, buy no prescription Sumycin online, especially with their recent acquisition of Sterling Bank in Texas .  Since Comerica was founded in 1849, Sumycin trusted pharmacy reviews, this image of San Francisco in 1849 would be a good marketing tie-in.  Something like ‘We both started small…” or ”We both started in 1849…”
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Comerica used to be based in Detroit , and they and the National Bank of Detroit were once the big dogs of Michigan, buy Sumycin without prescription. Comerica moved to Texas and National Bank got sold to First Chicago or someone. The stock symbol for National Bank of Detroit was NBD, and we all thought we were terribly clever by calling it “Nice But Dull”, BUY Sumycin ONLINE WITHOUT PRESCRIPTION. Purchase Sumycin,

• Back in the 80’s, there was a movie staring the beautiful Bo Derek called Ten, as in “On a scale of one to ten, japan, craiglist, ebay, overseas, paypal, she’s definitely a ten.” Interestingly, Australia, uk, us, usa, the 30-year bond at that time had a 10% coupon, so everyone naturally referred to them as Bo Dereks, as in “Did you see that the Bo Dereks were up 3/32nds today?”  Naturally, buy Sumycin from canada, we all thought we were terribly amusing. Order Sumycin from United States pharmacy,


• In our observation, successful bank and mortgage company presidents tend to tell a very consistent story about their companies.  We’ve heard a number of them tell their company story over and over again, but rather than being boring, buy Sumycin online cod, the very repetition makes it compelling. Buy cheap Sumycin no rx, Leadership is about a lot of things, but people want to be part of something bigger than themselves, and all causes have a story that the leaders like to tell over and over again.  Hearing a CEO tell the history of his company can sometimes be much more revealing than the company’s Mission Statement or balance sheet.


• Pete Bonnikson and I disagree about the Kennedy assassination, buy Sumycin ONLINE WITHOUT prescription. Pete believes there was some sort of conspiracy, Rx free Sumycin, and I believe that Oswald was the lone assassin who somehow slipped through the Secret Service cracks. BUY Sumycin ONLINE WITHOUT PRESCRIPTION, I’m having lunch with Pete next week, so I did a bit of reading to be prepared.  I read that in 1963 there were only 300 special agents in the entire Secret Service to protect the President, and when Kennedy planned to go to Dallas , they sent only two agents ahead.  Today there are about 3,400 special agents and several dozen who do advance work.


• Speaking of Secret Service agents, does anyone want to buy a menu from an Estonian restaurant signed by Hillary Clinton & John McCain?  In 2004, I had just left a meeting at Hansabank in the Estonian capital of Tallinn .  I was eating at an outdoor restaurant when I saw a Hillary Clinton and clump of people walking down the street.  I waved to her, and she (and a dozen or so Secret Service agents) came over to my table. The drizzle was turning to rain, and she asked if she could join me under the umbrella over my table, Sumycin samples.
  She was with some guy in faded jeans, Online buying Sumycin hcl, a gray sweatshirt, and a baseball cap, and it was John McCain himself.  He’s taller in  real life than on TV, online buy Sumycin without a prescription, and he has this really huge scar on his cheek. Order Sumycin no prescription, Anyway, he asked me if I were there on business or pleasure, but before I could answer him, real brand Sumycin online, he decided to talk to some very attractive women at the next table.  I liked his priorities immediately.

Hillary Clinton and I talked briefly about what a magical city Tallinn was, Fast shipping Sumycin, and when I asked if she’d ever been there before, she said “I was here once with my husband.”  I thought it was nice that she referred to him simply as her husband and not as “the President.”
It turned out that she and McCain with there for some sort of NATO conference on Security and Defense, and before they left, buy generic Sumycin, I asked them to sign my menu.  (Naturally, Buy Sumycin from mexico, I lied and told them it was for my daughter.)  Anyway, it was raining hard enough that they decided to go back to their hotel just around the corner, but  some of the Secret Service agents came back for lunch and I got to talk to them. 
If you’re ever in Estonia , try their meat loaf. They make it with ground pork instead of ground beef, and it’s really good.
(This photo isn’t from that lunch but is just something on Google.) 
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Tallinn is truly “magical” (Hillary’s word) and a place you should visit. If you like Ritz Carlton and Four Season hotels, you’ll love “The Three Sisters” there. The building dates back to the early 1400’s, and the rooms are a wonderful blend of the very old and the very modern.  (http://threesistershotel.com)
My first night at the Three Sisters, I was sitting in the lobby, and I heard some very loud voices speaking English.  I heard the words Holmoe and Tedford (two Cal football coaches, the former being the worst coach in all of college history).  When I peaked into the bar, it turned out they were 30-something Cal grads who’d all been in the same fraternity.  It was weird being 7,000 miles from home and hearing people complain about your football team. They were pretty drunk and they insisted on buying me drinks and then insisted I should buy them a round. BUY Sumycin ONLINE WITHOUT PRESCRIPTION, When I mentioned I’d met Hillary Clinton and McCain that day, they wanted to invite the two of them down for drinks. 

Estonia is one of many East European nations that have a flat tax. There are no deductions at all, everyone simply pays 22% of their income, and the tax rate on corporate earnings is zero. For you guys, Estonian women are said to be the most beautiful in the world.  Elagu Eesti Vabariik.

• Last item on Estonia .  I had a friend at Warburg, Dillon, Reed who figured out how to buy stock in Hansabank on the Estonian exchange.  It was only $0.90 U.S. a share, and the people at the bank seemed pretty smart, so I figured I’d buy some. The bank turned out to be quite the Baltic powerhouse, and 4-5 years later, Swedbank bought it for $17.20 a share.


• From Thanh Pham of Associated Bank: “Thanks to Garrett, Watts and all your help,  our warehouse lending program was able to find and approve $120 million of credit approved in the past seven months. Your FOCIS Risk Reviews were also immensely helpful in taking our program national.”  Honest, we didn’t pay him to write this.
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Won’t you be glad when winter is over?  Only 61 days till the baseball season starts, and 61 days till all the wonderful weather that goes along with it. 

Helping lenders increase revenues, control costs, and better manage risk.

Joe Garrett (510-469-8633)

Corky   Watts     (408-395-5504)

Mike McAuley   (281-250-2536).

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