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Pre Season WinTuesday, July 25th, 2017
The Saints played their first pre season home game last and had a comfortable 4-1 win over Leominster Town FC. The visitors play in 'The Hereford Premier League' Goal scorers were veteran Kevin Jones, Matty Tong, Tom Landon and James Smith. All ...
All Square at Bartestree.Wednesday, July 19th, 2017
The Saints came back from 2-0 down to draw 2-2 against West Midland League side Bartestree FC. Goal scorers were Callum Maddy and Jamie Howard. [caption id="attachment_9357" align="alignnone" width="300"] Goal scorer Jamie Howard[/caption] [caption id="attachment_9361" align="alignnone" width="300"] Goal scorer Callum Maddy[/caption]
Pre Season Friendly.Wednesday, July 12th, 2017
Orleton Colts 1 Saints 10 Manager Gareth Jenkins fielded most of the reserve team from last season plus two first team players from last year. Our young side were excellent throughout and came away with a 1-10 win. Goal scorers were - Adi ...
Pre Season Friendly.Thursday, July 6th, 2017
On Tuesday 'The First Team' make their annual trip to Orleton Colts FC for a pre season friendly. Kick Off 7.30pm


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diy-casa-belen_( make for the fairy garden DIY )
DIY - String Ornaments & other festive ideas (sadly not in English but lots of pictures! Tons of Christmas and holiday ideas.
porta bombones en foami - Buscar con Google
Christmas versions of the Curvy Keepsake framelit treatholders
Gold glittered clothes pins and little red bows . here's a Christmas tree!
More ideas
Christmas boxes - reindeer, elf, santa, snowman - curvy keepsake box - Stampin' Up!
(Foto: Divulgação)
Porta bombom boneco de neve
Porta bombom papai noel divertido
DIY Christmas tree decoration Made with a paper cone and yarn. Dip the yarn in Elmer's glue and while it's wet wrap it around the cone. Let it dry completely and then remove it from the cone. Then decorate!
Ingenioso de navidad / Via - Crafting For Holidays
La scatolina pinguino - Cute Christmas penguin box & instructions, made with Stampin' Up curvy keepsake die & punches. By Di Barnes
(Foto: Divulgação)
Christmas Santa tummy box, hat tag & instructions using Stampin Up Curvy keepsake box die & punches. By Di Barnes
Winterzeit - Marta Szabo - Bouncy Winter Snowmen - no instructions but looks like made from polystyrene balls, pipe cleaners and card. Not sure what the red nose is made from

subset: commoncrawl


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Read what people are saying
about Precision Garage Door in:
Circle Pines, MNPrecision Garage Door of Minneapolis & St. Paul
has received 2 reviews, averaging 5.00 Stars:
Date: 04/20/2017Garage Door Repair
Circle Pines, MN
I would definitely recommend Precision Garage Door. The service was exceptional and they were prompt. Jason our service tech was very efficient and personable. Satisfied customer. Vickie NelsonVikie Nelson
A Response from: Erica Amundson
Thank you for your recommendation and taking the time to review your service with Precision Garage Door. We value you as a customer.
Service Provided:
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Date: 02/17/2017Garage Door Opener Repair
Circle Pines, MN
Rudy was well versed in what my door needed and was prepared to fix it onsite.Wanda Grams
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Houston, TX 77071 View Profile & Reviews
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If you're looking to help yourself or someone you love struggling with drug or alcohol abuse issues in Goldonna, LA, Rehabs.com provides a large online catalog of executive luxury clinics, as well as a host of alternatives. We can assist you in locating substance abuse treatment facilities for a variety of drug addictions to Methadone, marijuana, alcohol or other addictive substance. Search for a highly-rated rehab clinic in Goldonna now, and take the first step on the path to a better life.
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Becoming sober from Clonazepam, Xanax, alcohol or other addictive substances you or your loved one is addicted to takes an specifically-tailored treatment strategy. Two options of addiction treatment clinics in Goldonna can help you succeed: either In-patient or Out-patient Rehab. Inpatient therapy offers lasting benefits with longer stays in a great rehab program. Outpatient treatments may be convenient, but lack the stability and assests of 3 month programs to become clean. Ultimately, you make the choice, and we are here to help you choose the one that will be best for you.
Jeff graduated from Keiser University with a Bachelor's degree in Psychology. Smith is also a Certified Addiction Professional, certified by the state of Florida. He has a passion for helping others find happiness and a new way of life through long-term recovery from drugs and alcohol. Throughout ...
Pathway to Hope
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An amplitude of yellows, with purple and green thrown in, flowers blend in with each other and their leaves.
This 5-shot multiple exposure was taken with a Nikon D700 using a 24-70mm aspherical lens (fl 58mm, aperture f/3.5 speed 1/60). The camera was twisted around the flower with each shot to form the resulting image.
July 31st: 3158 views


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just a Moment With … Dan Liguori, CEO of Zodiac Spirits
This week, we speak to the CEO of Zodiac Spirits, and just-drinks subscriber, Dan Liguori.
Get full access to all content, just $1 for 30 days
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The Internet is Out to Get You!
By Wil Forbis
Are the people you encounter on the web who they say they are? Is the material you serendipitously discover on the internet placed in front of you?
In acid logic>>columns
Acid Logic Web Logs!
A super keen collection of constantly updated blogs provided including
* The Wil Forbis Blog
* Big Words I Know by Heart
* Winkest Leak
* Piss and Vinegar
- A NEW 2012 EPISODE: Guest Host: John Saleeby
by John Saleeby
John revives the Acid Radio brand while reviewing an interesting new music selection produced by one of today's happening youth!
Check out John's additional mp3 comedy at THE DEVIL IS A SISSY!
in acid logic>>acid radio


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Explore Image Comics, Art Daily and more!
Explore related topics
curse words, image comics
"At @baltimorecomics this wknd? Hit my table (2508) for a first look at CURSE WORDS, my new book w/@RyanBrowneArt!"
Batman is Never Arrogant
The Amazing Spider-Man #148 Marvel Comics
Legend of Zelda fanart - Rest a little by myreitha on deviantArt
MARVEL COMICS April 2016 Solicitations | Newsarama.com
Green Arrow and Green Lantern by Alex Ross
Harley Quinn
Miss Marvel


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FOUR learners from Ceredigion, who attend Welsh Classes organised by Ceredigion County Council at Llangeitho and Lampeter, and tutored by Carol Thomas, were presented with awards at Merched y Wawr's Summer Festival in Machynlleth on Saturday, May 20.
Over the last few years 'Merched y Wawr' has been organising written competitions for Welsh Learners across Wales that are open to both men and women alike.
At this year's awards Jill Cropley from Mydroilyn won the first prize at Intermediate Level for writing an article about her local area, whilst Jane Unitt from Llwyn-y-groes was presented with the second prize. Both are learners at the Welsh evening class held at Ysgol Bro Pedr, Lampeter.
Jill said: "I am delighted to have won this award. It's a testament to my wonderful learning group. It's great to learn with such an inspirational crew of people and I'm lucky to have such a supportive and patient tutor."
Tutor Carol Thomas said: "I'm extremely proud of the learners' success in winning these awards and in learning the Welsh language. I strongly believe that it is important that their Welsh is developed in the formal lessons, but that it is equally important for them to have an opportunity to experience Welsh culture and socialise through the medium of Welsh."
At Foundation Level the first prize for completing a form providing personal details in Welsh was awarded to Aidan Jones from Tregaron and the second prize was presented to Dionne Sherwood from Llangeitho. Both are learners at the Welsh evening class held at Ysgol Rhoshelyg, Llangeitho. The four winners were each presented with a slate tray, a book token and a certificate.
The Learning Services offer both day and evening Welsh courses ranging from a few hours to full day courses. If you would like to know more about Welsh classes in your local area please contact Meryl Evans on 01545 572715 or e-mailMeryl.Evans@ ceredigion.gov.uk.


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Angry baby images
Explore related topics
Chapter 11 - "Jem was scarlet. I pulled at his sleeve, and we were followed up the sidewalk by a philippic on our family's moral degeneration..." (Lee 136.) - Jem vs. Mrs. Dub ode
images of rio when he was a baby | Image - Rio Movie Baby Blu.jpg - Angry Birds Wiki
(Image Link)Full grown hippos can be fearsome and dangerous creatures despite their pleasantly plump appearance and the fact that they look like they're smiling when they open their maws, but baby hippos are just plain adorable.(Image Link)They have yet to adopt the angry and aggressive attitude full grown hippos use to scare off predators and humans who might cause them harm, and the smiles on their cute little faces seem to be genuine.(Image Link)So bask in the glory of these bubbly bab...
Funny, weird and WTF images that will make your day better.
GAGBAY - Funny social media image millennial breaks down why baby boomer is wrong about generation wanting free education
Signs and Numbers of the Wonder Woman Baby Clipart.
Image de teen wolf, stiles, and teenwolf
When you really need to find something or need to upload a report then you find out you can't access Sharepoint.
babybones - sans and papyrus - undertale. Sans is not having a good day. At least Papyrus is there to try to cheer him up


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Explore Creative Writing, Writing Ideas and more!
Because I want to prove that emotions exist.
The Growing Room Ideas for teaching children writing creative story vocabulary spelling sentence paragraph words fun games
This writing worksheet has 3 pages of questions to help bring your fictional city to life.
Seems like a fun experiment for a month-long journal.
INSTRUCTION - This would be great to read aloud and then post as an anchor chart in a late primary or junior classroom (maybe modify the vocabulary to avoid frustration). Make sure to really exaggerate the monotonous nature of using the same sentence length over and over, and the flow and excitement of varying the lengths! A great way for students to really understand how prosody relates to writing convention.
Sometimes a sychological weakness can hurt others. I am currently writing a story where one of the characters has a psychological weakness that has caused him to hurt others in the past. There's nothing wrong with him morally, which is why he isolated himself in order to keep from hurting anyone else. His want. His Need however, is friendship.
How to write a business plan for YOU, why you need to write it out and how to use it. Free template and video walk-through. You don't need a 20 paged plan if you're not getting loans or investments. You just need all your ideas in one cohesive outline.
As someone who's been in actual life-or-death combat (no weapons thankfully), you don't always bleed from shots to the face. It's actually not that common and is based on where and how you hit. Another point: yes, adrenaline can work against you, BUT it also allows you to ignore the limitations of your body. You're faster and stronger with adrenaline, which is why it's so useful for survival. Also note that your perception will probably be altered in some way. I'd continue, but Pinterest…
Werewolf stories based around actual wolf behavior- as in family-centric packs! LOVE THIS SO MUCH
Never fear to take new trials.


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Irish famine
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What Happened During the Great Irish Famine?: A starving family digging for potatoes, as depicted in the Illustrated London News in 1847
During our tour of Ireland, we saw many "famine houses", some nearly complete and some crumbling. The Great Irish famine of the 1840′s is now regarded as the single greatest social disaster of 19th century Europe. Between 1845 and 1850, when blight devastated the potato crop, in excess of two million people – almost one-quarter of the entire population – either died or emigrated.
Severity of the Famine in 1847. Farmers in the east depended on cereal crops, those in Ulster grew flax, only small farms of west and partts of Munter potatoe in a monopolistic position. 30% of Irish wholly dependant on potatoes for food.
One of the many tragic ironies of famine stricken Ireland is that as people died of starvation, thousands of tons of grain that could have saved them was instead shipped out of the country. How could such a seemingly perverse and inhuman policy be allowed to continue?
Farmers about to be evicted during the Irish famine of the 1840s
Irish Famine Memorial, Boston
Why the real story of the Irish Famine is not taught in U.S. schools Bill Bigelow @ZinnEdProject April 04,2015 05:43 AM
Famine Memorial in Dublin - In Ireland, the Great Famine was a period of mass starvation, disease and emigration between 1845 and 1852.[1] It is also known, mostly outside Ireland, as the Irish Potato Famine.[2] In the Irish language it is called an Gorta Mór (IPA: [ənˠ ˈɡɔɾˠtˠə ˈmˠoːɾˠ], meaning "the Great Hunger")[fn 1] or an Drochshaol ([ənˠ ˈdˠɾɔxˌhiːlˠ], meaning "the bad times"). #neverforget
Boston, Massachusetts - Irish Famine Immigrants #TheCrazyCities #crazyBoston
Irish Famine Memorial, Boston


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23 December 2014
It's that time of year where many couples are announcing their engagement.
The next step after saying "YES" is to set the date and get all your guests to save it in their diaries.
If you have a colour scheme in mind you can get custom made Save the Date Cards made to exactly match the colour of your choice! Alternatively if you've not yet decided on your colours you can pick from a range of pre designed Save the Date cards to send out to your guests whilst you work on your styles, colours and themes.
There's a range of different styles to choose from and if you can't find one you like you can have something custom designed! Just drop an email with what you're looking for to email@example.com
Matching Wedding Invitations, RSVP Cards, Menu's, Order of Service Cards, Place Cards, Table Names, Seating Plans and Thank-You Cards are all available ensuring that your colour choices and themes continue right across you whole wedding.
Choosing customised wedding stationery will make your wedding look beautifully co-ordinated and give it that professionally polished finished. And you will be surprised at the cost, it's not as much as you might expect!


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Bornholmer Hof, Berlin
- Free WiFi in lobby
Main amenities
- 31 smoke-free guestrooms
- Breakfast available
- Self parking
- Coffee/tea in a common area
- Daily housekeeping
- Garden
- Front desk safe
- Luggage storage
- Limited hour front desk
- Free WiFi in lobby
Feel at home
- Free cribs/infant beds
- Rollaway/extra beds (surcharge)
- Private bathroom
- Television
- Garden
- Daily housekeeping
What's around
- In Pankow
- Alexanderplatz (2.5 mi / 4 km)
- Berlin Wall Memorial (2 mi / 3.2 km)
- TV Tower (2.6 mi / 4.1 km)
- Museum Island (2.6 mi / 4.2 km)
- DDR Museum (2.6 mi / 4.3 km)
Bornholmer Hof, Berlin
Hotel Info: 866-539-8117from $48
- Apartment
- Apartment
- Quadruple Room
- Family Room
- Single Room (for double use)
- Double Room
- Basic Single Room
- Double Room
- Double Room Single Use
- Standard Room, Garden View
More great choices
At a glance
Key facts
Hotel size
- This hotel has 31 rooms
- This hotel is arranged over 4 floors
- Check-in time 2 PM-8 PM
- Check-out time is 11 AM
Required at check in
- Cash deposit required
- Government-issued photo ID required
- Minimum check-in age is 18
Travelling with others
- Children (6 years old and younger) stay free when occupying the parent or guardian's room, using existing bedding
- Pets allowed (dogs and cats only) *
- 2 per room
- Free WiFi in public areas
- Self parking *
Other information
- Smoke-free property
Nearby Three Star Berlin hotels
In the hotel
- Buffet breakfast daily (surcharge)
- Coffee/tea in a common area
- Bicycle rentals nearby
- Front desk (limited hours)
- Luggage storage
- Number of buildings/towers - 1
- Safe-deposit box at front desk
- Garden
- In-room accessibility
- Roll-in shower
In the room
- Iron/ironing board (on request)
- Blackout drapes/curtains
- Private bathroom
- Shower only
- Hair dryer
- Desk
- Phone
- Daily housekeeping
Top Berlin hotels
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Bornholmer Hof, Berlin's small print
Also known as
- Bornholmer Hof
- Bornholmer Hof Berlin
- Bornholmer Hof Hotel
- Bornholmer Hof Hotel Berlin
- Bornholmer Hof Motel Berlin
- Bornholmer Hof Motel
Only registered guests are allowed in the guestrooms.
This property does not have elevators.
Optional extras
Onsite credit card charges are subject to an extra charge
Early check-in can be arranged for an extra charge of EUR 10
Late check-out can be arranged for an extra charge of EUR 10
Self parking costs EUR 5 per night
Rollaway beds are available for EUR 40 per night
Buffet breakfast is offered for an extra charge of EUR 7 per person (approximately)
Pets are allowed for an extra charge of EUR 5 per pet, per night
We have included all charges provided to us by this hotel. However, charges can vary, for example, based on length of stay or the room you book.
Is the description of this hotel not correct? Tell us


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Pawnbrokers in Birmingham
Suite 1, 1 Rose House Rose Place, Jewellery Quarter, Birmingham, West Midlands, B18 6JQ
We offer fast and private pawnbroking to help you raise funds when you need it most. Taking you through every step of the process, we offer competitive rates, honest advice and
Pawnbrokers in Willenhall
1 Damson Close, Willenhall, West Midlands, WV12 5TX
Pawnbrokers in Cannock
Unit 33, Cannock Shopping Centre, Cannock, Staffordshire, WS11 1WS
You can instantly turn your precious jewellery into cash at our two shops in West Bromwich and Cannock. Cashline has been in business since 1989. We have grown by providing
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5 Frocester Court, Ingleby Barwick, Stockton-on-Tees, Cleveland, TS17 5LE
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10a Hales Street, Coventry, West Midlands, CV1 1JD
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101 Mather Way, Salford, Lancashire, M6 5HU
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20-22 New Street, Wellington, Telford, Shropshire, TF1 1NE
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Business Services in London
66 Denmark Hill, , , London, , SE5 8RZ
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16 Station Road, Portslade, Brighton, East Sussex, BN41 1GA
Pawnbrokers in London
Unit 7 Nags Head Centre, Holloway Road, London, N7 6PZ


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Join us in recognizing these special Accredited Businesses for July 2017.
Celebrating 35 Years of BBB Accreditation
Seel Carpet Cleaners Limited | Winnipeg, MB
Globe Moving And Storage/Premiere Van Lines | Winnipeg, MB
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We offer free reviews on businesses that include background, licensing, consumer experience and other information such as governmental actions that is known to BBB. These reviews are provided for businesses that are BBB accredited and also for businesses that are not BBB accredited.
As a matter of policy, BBB does not endorse any product, service or business.
BBB Business Reviews are provided solely to assist you in exercising your own best judgment. Information in this BBB Business Review is believed reliable but not guaranteed as to accuracy.
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LIFETEC LT5530VT Service Manual
Product Reviews
There are currently no product reviews.
Reviews of our other manuals
Alex Michnik - 2007-02-19
Ist great, thanks i'm a very good and my VHS player is super,
Milan Peric - 2007-03-04
Excellent copy of manual, bravo!!! Super site with more intresting information.
Robert Leitner - 2007-03-12
Perfect - all components and names in the circuit diagram readable. But attention! This manual is for the earlier models of the DXF-801CE. The newer models (manufactured newer 06/2006) have a new design and new component names. Robert
Anton Kuyumdzhiev - 2007-04-06
Excellent copy of the manual and fast delivery, a great job thanks.
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A really high quality document. Much better than expected. Perfect deal. Thanks.
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Funk Loops
At The Loop Loft, we pride ourselves on producing some of the funkiest loops on the planet. Each pack of loops goes through a rigorous 112 step inspection, ensuring maximum funktitude while at the same time, mitigating any of the dreaded "fromage effect" often caused by lesser quality loops.
Funk Essentials Volume 3
$ 29.00
Funk Essentials Volume 3 takes an old school approach to funk drums, infusing the soul of classic Stax and Motown tracks with the fat, warm, vintage tones of Universal Audio and API preamps. Each session was recorded utilizing different drum kits, cymbals and mics, resulting in five distinct "vi...More Details →
Double Drums Vol 1
$ 29.00
There's a reason Double Drums have played a crucial role in music for the past 40 years. With two different drummers playing at the same time, a certain magic and depth occurs from multiple rhythmic and sonic layers grooving together. With the release of Double Drums Vol 1, The Loop Loft gives ...More Details →
Double Drums Vol 2
$ 29.00
Layering multiple drum loops has never felt (or sounded) so right. With Double Drums Vol 2, The Loop Loft brings you the ultimate collection of vintage and modern drum kits, produced specifically for the purpose of being used together at the same time. Tip - Save 30% with The Double Drums Bundle...More Details →
Double Drums Bundle
$ 39.00
The Double Drum Bundle you've been waiting for is here! Included in this collection are the critically acclaimed Vol 1 and Vol 2 of Double Drums, allowing you to easily layer and arrange songs with two different drummers playing at the same time (all at a 75% bundled savings)! About Double Drum...More Details →
Funk Essentials Volume 4
$ 29.00
Crisp, dry snares. Fat, punchy kicks. Incredibly funky grooves. Funk Essentials Vol 4 brings back the vintage sound and feel of live funk drums from the late 60's and 70's. Six unique sessions serve up a wide range of authentic funk drum grooves, ranging from James Brown-inspired syncopation...More Details →


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Life would be incredibly boring if we didn't have new experiences and new
people to share those experiences with. Sometimes, however, we can find
ourselves in a rut and seeing the same old faces time and time again. Use
this affirmation if you'd like to invite new people and adventures into your
Xoxo Rev. Donna


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18 March 2013 8:28 PM, PDT | Alt Film Guide | See recent Alt Film Guide news »
Gomez, Hudgens, Franco, guns and bikinis: Outstanding domestic debut Harmony Korine's crime flick Spring Breakers currently boasts the year's highest per-theater average. That's no small feat. As per final Us/Canada weekend box-office numbers published on the web site Box Office Mojo, this past weekend (March 15-17) the film raked in $263,002 at three locations (two in New York City, one in Los Angeles). That's down slightly from the studio's $270,000 estimate released on Sunday, but still enough to average a fantastic $87,667 per venue. (Pictured above: Gomez [scroll down for more on Gomez's box-office performance to date; pictured below: bad girls in bikinis in court.) One of the highest opening weekend per-theater averages ever Spring Breakers was down one spot on Box Office Mojo's post-1982 chart of opening-weekend per-theater averages. At #23, the movie is sandwiched between two Academy Award winners: Tom Hooper / Colin Firth's The King's Speech with $88,863 and Steven Spielberg / Daniel Day-Lewis' Lincoln with $85,846. Once inflation is factored in, Spring Breakers drops to the 52nd spot (down nine spots from yesterday's estimates), landing between Daniel Myrick »
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1985 f150 no fire replaced coil still no fire-any other parts nee replaced
3 Answers
Are you getting fire at the plugs? If no fire at the plugs you probably need wires. Have they been changed in thirty years?
No fire going from distributor to the plugs
Your Answer
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The 102nd Army Band will perform a free concert on Lebanon Green on Saturday, July 29th at 7 PM. Guests are encouraged to bring lawn chairs or blankets. In the event of rain, concert will be held at the Lebanon Senior, 37R West Town St. Click here for details.
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First Horizon National Corporation (NYSE:FHN)
Q2 2017 Earnings Conference Call
July 14, 2017 09:30 AM ET
Aarti Bowman - IR
Bryan Jordan - Chairman, President and CEO
BJ Losch - EVP and CFO
Susan Springfield - EVP and CCO
Steve Alexopoulos - JPMorgan
Brady Gailey - KBW
Ebrahim Poonawala - Bank of America Merrill Lynch
Ken Zerbe - Morgan Stanley
Emlen Harmon - JMP Securities
Jennifer Demba - SunTrust
Elan Zanger - Jefferies
Christopher Marinac - FIG Partners
Brian Zabora - Hovde Group
Tyler Stafford - Stephens
Good morning and welcome to the First Horizon National Corporation Second Quarter 2017 Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions] After today's presentation, there will be an opportunity to ask questions.
Please note this event is being recorded. I would now like to turn the conference over to Aarti Bowman. Please go ahead.
Aarti Bowman
Thank you, Operator. Please note that the earnings release, financial supplement and slide presentation we'll use in this call are posted on the Investor Relations section of our website at www.firsthorizon.com.
In this call, we will mention forward-looking and non-GAAP information. Actual results may differ from the forward-looking information for a number of reasons outlined in our earnings materials and in our most recent annual and quarterly reports. Our forward-looking statements reflect our views today and we are not obligated to update them. The non-GAAP information is identified as such in our earnings materials and in the slide presentation for this call and is reconciled to GAAP information in those materials.
Also, please remember that this webcast on our website is the only authorized record of this call. This morning's speakers include our CEO, Bryan Jordan, CFO, BJ Losch. And additionally, our Chief Credit Officer, Susan Springfield, will be available with Bryan and BJ for questions.
I'll now turn it over to Bryan.
Bryan Jordan
Thank you, Aarti. Good morning, everyone and thank you for joining us. I am very pleased with the results in the second quarter. We continue to see very good momentum in our banking business with good customer acquisition and corresponding loan and deposit growth. We saw a good [indiscernible] in our net interest margin. And we continue to feel very, very good about the credit quality with improvement in our non-performing assets, non-performing loans and our net charge-offs year-over-year.
We consistently remain focused on our expenses in our banking business and we also saw good trends there. Our fixed income business continued to be a bit soft in the quarter. We are pleased with the completion of our Coastal acquisition or merger that was integrated very smoothly during the quarter. We've got a great team of bankers in Houston in the government guaranteed loan business and we think that is going to be our great asset for us, as we move into the remainder of this year and into the future.
We have got three notable exceptions -- three notable transactions in the quarter, which BJ will go into more detail on later. When you exclude those our core EPS continued to be very strong and most importantly we hit another milestone in improving our return on tangible common equity hitting 12% in the quarter. So feel very, very good about the core results for the quarter.
Our focus for the rest of the year continues to be on execution in our core businesses banking and FTN Financial. We continue to see good opportunity for loan growth and our loan pipelines look strong, our customer activities and calling efforts continue to be good and we continue to be focused on improving our returns in controlling costs in the business.
Our planning for the merger with Capital Bank continues to move along on time and on track. We have made significant progress in the last couple of months, including meeting with over 1,000 employees. Gene and I have spent a good bit of time meeting with employees and we have had very good discussions and also we are very encouraged with the progress we are making there.
So, our focus will be on continuing to execute on the things that that we have been focused on and continuing to plan the integration with Capital Bank.
As we look into 2018 and 2019, we are excited about the opportunities that we see in our existing business in the combined or merged business. We are very, very focused in the long-term on delivering on our bonefish targets. We believe that the combination of our two firms over the course of the next 18 months or so we will be doing -- we will be hitting our bonefish targets in sometime in 2019, if we get a little bit further help on the interest rate environment.
So, we are excited about the progress that we are making, we are excited about the future and we look forward to continuing to focus on those things that we can control in hitting these bonefish targets, improving returns.
So with that I'll stop and turn it over to BJ and then I'll be back for some comments and we will take questions later. BJ?
BJ Losch
Great, thanks Bryan. Good morning, everybody. Take a look at the quarter starting on slide five. For second quarter we reported net income available to common of $91 million or $0.38 a share. And as Bryan talked about and as you can see on the bottom right of this slide, we have few notable items in the quarter, which in aggregate positively impacted our results.
These items included first a roughly $20 million mortgage repurchase release from the resolution of the legacy repurchased claim. We had about $6 million or so of acquisition expense related to both our Coastal acquisition, which closed at the beginning of the quarter and our pending Capital Bank merger. And the third was a roughly $20 million benefit from a tax adjustment associated with the reversal of a capital loss deferred tax allowance.
Adjusting for those items, we have EPS at about $0.27 and net income available to common shareholders at $63 million. Importantly we saw a meaningful improvement in our returns as Bryan talked about. Our adjusted return on tangible common equity was 12%, up 166 basis points linked quarter and our ROA was 94 basis points or up about 12 basis points linked-quarter, moving us much closer to our bonefish target.
This strong performance was driven by healthy revenue increases, as you will see from continued loan growth, improvement in our margins and solid bank fee income supported by good expense discipline and continued excellent credit quality. Specifically second quarter highlights were linked-quarter revenue growth of 7%, NII growth of 6%, fee income growth of 9%, resulting in an adjusted PPNR growth of 14%.
Loan growth trends were also solid, with average loans up 2% linked-quarter and up 8% year-over-year with core deposit inflows in the regional bank continuing to be encouraging.
As it relates to the tax rate, we will see continued positive impact from this tax adjustment for the remainder of the year. We expect roughly a 23% effective tax rate in both 3Q 2017 and 4Q 2017. And in 2018 we expect that the effective tax rate should normalize back to roughly 32%.
Slide six gives you we believe a good contextual view of where the earnings contribution comes from by business segment. You'll see the Regional Bank has and will continue to drive the majority of our earnings and momentum in that business is evident. Fixed income's contribution is modest yet consistently profitable and provides future upside opportunity. And the non-strategic segment has consistently provided a positive impact for several quarters. We remain pleased and encouraged by the strength, diversity and momentum of our business mix.
Turning to slide seven, let's take a look at net interest income and net interest margin trends. Year-over-year, NII was up 14% and up 6% linked quarter. The NII increase was driven by quality loan growth, and the capturing of asset sensitivity of short-term rates have risen.
The NIM in 2Q, '17 was at 3.07%, up 15 basis points both year-over-year and linked quarter. The uptick in NIM was due to excess cash optimization and the benefit from the increase in short-term rates. We've reduced our average cash levels by over 50% or about $1 billion from first to second quarter as well.
Our net interest spread, the difference between loan yields and deposit rates paid increased 10 basis points linked quarter. Loan yields were up 14 basis points and we continue to manage our deposit costs and mix closely. Even with the positive improvements as you can see on the bottom right of this slide, our balance sheet remains well positioned for further rate moves.
Turning to slide eight, we highlight the significant profitability improvement in the regional bank that we have seen not just from first to second quarter, but over the last several quarters as well. Linked quarter ROA rose 40 basis points to 1.6% as pre-tax income, PPNR and revenue all improved meaningfully.
NII was up 4% linked quarter and 13% year-over-year driven by strong commercial loan growth and higher short-term rates. Fee income was up 10% linked quarter on stronger deposits as well as trust in investment management fees. We maintained good expense discipline in the Bank as well. That discipline coupled with the strong revenue performance drove the efficiency ratio in the Regional Bank down to 57%, a 135 basis points improvement from the first quarter.
Excellent asset quality trends continue across our regional banking portfolios as well. Linked quarter non-performing loans were down 13%, 30 days delinquencies improved 11 basis points and our net charge-offs remained relatively stable.
Slide nine shows the Regional Bank's continued healthy loan growth. Average loans in the bank were up 11% year-over-year and up 3% on a linked quarter basis. Areas that drove the growth this quarter were loans to mortgage companies, asset based lending, wealth management, private client and core commercial.
Demonstrating the broad strength across our Regional Bank businesses all of our regional markets in Tennessee, Mid-Atlantic and Houston experienced growth on a linked-quarter basis. Particular strength is evident in Southeast Tennessee, Middle Tennessee, Nashville and Mid-Atlantic, which are our Virginia, North Carolina and South Carolina markets.
Loans to mortgage companies increased 24% linked-quarter due to a seasonal rebound in purchasing activity and customer growth somewhat offset by lower refi activity. Fundings in new customer activity in the business have been strong. However shorter dwell times and lower refi activity have dampened balanced growth.
Overall trend should be steady through the rest of the year and the portfolio remains one of our most economically profitable businesses. Encouragingly, commercial pipelines remained solid even with solid fundings and balance sheet growth and we anticipate this strength through the next quarter.
Turning to asset quality on slide 10, you'll see that it remains excellent due to ongoing stable credit trends and strong underwriting discipline. Loan loss provision was a credit of $2 million in the quarter with net charge-offs of $3 million in second quarter of '17 compared to $1 million recovery in the first quarter. NPAs were also down meaningfully and 30 day delinquencies improved and remain low.
Slide 11 gives you a quick update on our Capital Bank merger efforts, our integration planning for the Capital Bank acquisition remains on track. In June, we filed regulatory applications and the Preliminary S-4. We've established and staffed our merger project office and it is up and running. We anticipate the deals to close in fourth quarter of '17.
Wrapping up on slide 12, we're making meaningful progress towards achieving our bonefish targets as evidenced by our adjusted return on tangible common equity of 12% in the second quarter. And we believe we are well position to continue improving our returns organically and after we close and integrate Capital Bank.
We're seeing great performance in our Regional Bank, our revenue growth is healthy, aided by double-digit loan and deposit growth and our forward pipelines are solid, our asset sensitive balance sheet is benefited from recent rate hikes, our efficiency ratio is improving and our integration planning with Capital Bank is on track.
Finally with the help of the positive notable items we discussed coupled with the strong core earnings trends, we were able to fully offset the anticipated tangible booked value dilution from the closing of the Coastal acquisition and actually grow both book value and intangible book value per share in the quarter.
With that I'll turn it back over to Bryan.
Bryan Jordan
Thank you, BJ. Again we're pleased with the progress and the momentum that we see in our banking business. We believe that is not only been steady and consistent, but it's ongoing. We think we're well positioned for the second half of 2017 and that we have good momentum, strong pipelines and we believe we are well positioned to continue to grow not only in Tennessee, but across our entire franchise including the specialty businesses.
Our quality of credit continues to look good; we see good opportunities to grow high quality lending relationships. We think there is additional momentum from our past interest rate increases and we think there are opportunities for rate increases in the future. And we think that our continued customer expansion all coupled together will drive our results.
While our customers are generally optimistic, the economic backdrop hasn't changed significantly over the last four, five, six years. Second quarter of 2017 could have been second quarter of any year in the last five. And there is still some optimism in the customer base that we'll get some fiscal relief in taxes and regulatory costs through our legislative process in DC [ph]. But these customers continue to be optimistic about the future and the business or operating environment.
We are continue to be committed to maintaining our focus on expense discipline in driving our bonefish returns and look forward to as BJ and I both said integrating the merger with Capital Bank.
Thank you to all of the First Horizon employees for all that you do day-in and day-out taking care of our customers and growing business. We appreciate what you are doing every single day. And with that Bryan we'll now open it up for questions.
Question-and-Answer Session
Alright, we will now begin the question-and-answer session. [Operator Instructions] The first question is from Steve Alexopoulos with J.P. Morgan. Please go ahead.
Steve Alexopoulos
Hey, good morning everybody.
Bryan Jordan
Good morning, Steve.
Steve Alexopoulos
I want to start on the loan side, if we look at the $167 million of commercial loan growth which you call out on slide nine, seems to be stronger than the HA [ph] that's showing for banks more broadly. Could you give color why you guys see such strong commercial loan growth again this quarter? The market was doing better is it all share gains, any color there would be appreciated?
Susan Springfield
Yes, hi, Steve it's Susan. We're really seeing good opportunities across the board as Bryan and BJ said in their opening comments. We've also had -- we've added relationship managers in some of our key markets as well as in some of our specialty areas. Specifically we're seeing really good opportunities and core asset based lending opportunities. And as you know we have been in that business for 25 plus years continues to be a good business for us.
We're also seeing good momentum as mentioned previously in our core growth markets Mid-Atlantic, middle Tennessee where not only are you in a higher growth market than you would in a Memphis or Knoxville. So Nashville, Raleigh, Charlotte, Richmond have a higher growth than some of our Memphis and Knoxville core markets have. So we're seeing good opportunity there.
I can tell you we are remaining disciplined and bringing in customers who've been in those markets or specialty areas and potentially banking with others, there is some increase in market share. And we are seeing some of our existing customers do some expansion whether it's additional business lines, bringing on employees, capital equipment type financing and others. So really it's not any one thing it's across the board.
Steve Alexopoulos
That's helpful, thank you. And maybe for BJ, you guys had nice margin expansion here in the quarter. I mean look at the 2 to 10 spread it's compressed a bit. How are you thinking about margin moving forward?
BJ Losch
Yes, so we were obviously pleased with our margin improvement. I think some of it was driven by our cash optimization, which you can see on that NIM slide that we have in the deck. But we also captured asset sensitivity as we planned as rates continue to go up. And we're getting good pricing on the loans that we're putting on the books as well, so that's contributing.
Going forward, I expect the NIM to continue to steadily move up. We're pleased with what we see, we're pleased with how we're managing both the loan side in terms of pricing as well as the deposit side. So we think it will continue to improve.
Steve Alexopoulos
Okay, thank you. If I could squeeze one more in on credit quality. I appreciate thank you for all the detail on the retail CRE exposure. Can you just talk, are you seeing any current pressure in any of the sub-segments and what's your view on retail CRE. Is this a problem that you expect to see pressure build more broadly over the next year? Thanks.
Susan Springfield
Steven we spent a good bit of time looking at the various commercial real estate sectors as well as obviously our industries in C&I. We have been and I know other banks have been as well watching the changing dynamics of the retail world for some time. And so we have been adjusting over time how we approach lending to retail properties.
We do feel good about the portfolio that we have, it's well diversified. If you look at our CRE retail exposure, it's over 160 projects make up that portfolio. We have in terms of top three anchor, shadow anchors it's strong necessity based, grocery stores, home improvement stores. So really kind of core retail. And we also in terms of -- we keep – I mentioned 160 projects our largest project in our retail commercial real estate book it's $24 million. So again well diversified across projects, geographies and you can clearly even hear across anchored, shadow anchored, single tenants.
But we do -- we are watching and talking with some of our major customers who have been active in the retail space. And honestly that's some of the best feedback we get and talking to our existing customers about how they're seeing, and how they're repositioning properties that may have had retailers that have left or pulled out or gone out of business completely. And they are using us to reposition some properties in a positive way.
All that being said, I do think it's something that we are continuing to watch looking at the Amazon effect as it's called. And I think everyone is watching that to see what's next. Obviously the Whole Foods acquisition and it seems like Amazon Prime day exceeded what people thought it would. And so it's absolutely something that we're watching carefully and are making the appropriate I guess adjustments in terms of our underwriting.
Our CRE retail exposure is very strong, the average stable as loan to value is 58%. The debt yield is almost 12%. And the actual debt service coverage on that portfolio is over 2 times. So we do feel good about the portfolio that we have, but again we're watching that.
Steve Alexopoulos
Terrific, that's really good color Susan. Thanks for taking my questions.
Bryan Jordan
Thanks, Steve.
Alright, the next question comes from Brady Gailey with KBW. Please go ahead.
Brady Gailey
Hey, good morning guys.
Bryan Jordan
Good morning, Brady.
Brady Gailey
If you look at ADRs, they have kind of been at the same level, the last three quarters, I know this quarter Coastal came in, so if you back out Coastal, I think you are closer to like $500,000 as far as the legacy First Tennessee. How do you think that trends over the next couple of quarters and into 2018? Do you see anything that makes you think that ADRs are about to come back or is it just more of the same?
BJ Losch
Hey, Brady, it's BJ, good morning. I think our expectation is that we're going to assume that they're at these levels for the next couple of quarters. Volatility is low, the way where rates are positioned, what the Fed is talking about does not portend a lot of activity in fixed income. So, we're going to expect that it's going to be at these levels.
With that said, our business is well positioned to capture any volatility or capture any upside, but we assume that it will be at these levels for a while. And so we talked for a long time about or we put out several years ago $1 million to $1.5 million of ADR. I would say we should call that something more in the $700,000 to $1 million based on these levels in the foreseeable future. That's what we think it's probably more appropriate to think about.
Bryan Jordan
BJ, correct me if I am wrong, this is just in Brady's question, I think you said if we exclude Coastal is about 500 and the core business, I think is actually closer to 600, is that fair.
BJ Losch
Yes, I think it was a little bit closer to 600. The agency desk has historically been one of our biggest and that one has been one that has had a significant impact in terms of volume declines year-over-year. But yes, legacy is more around 600 and Coastal made up the rest.
Brady Gailey
Alright, that's helpful. And then looking at the provision, it's been at a pretty low level, if not negative for a while now. The loan loss reserve dipped 1 basis point below the 1% mark now at 99 basis points. Do you think that has room to go any lower, or do you think that from now on out you're more maintaining that reserve coverage?
Susan Springfield
Brady, this is Susan. We did believe that we have got strong reserves for our portfolio and want to point out a couple of things that led to the slight relief this quarter. We did have continued non-strategic run-off, mortgage warehouse lending grew quarter-over-quarter. And as we have discussed in the past that portfolio attracts less provisions due to the excellent credit quality historical and current.
In addition to that with all -- every asset quality metric that we measure improving and BJ talked about the non-performing loans are down, overall NPAs put no worry, TDRs are down 15% year-over-year, 5% quarter-over-quarter. So when you put all that into an allowance model, it did lead to a slight relief.
All that being said, we are very cognizant of making sure that we have adequate coverage every time we revisit the allowance model and feel good about posting analytical and the subjective analysis that we do to determine the appropriate level of coverage each and every quarter.
I would point out too that our allowance to non-performing loans actually went up from 1.4 times to 1.52 times quarter-over-quarter and is up even more than that year-over-year from 1.13 times to 1.52 times. So we're actually increasing coverage as it relates to non-performing loans.
And then the last thing, I would mention related to asset quality is, within our non-performing loans we do an analysis and almost 49% of our non-performing loans are actually performing. So all of those things really factor into how we determine the appropriate level of coverage.
We do believe as the non-strategic continues to runoff, but we would expect there would be releases in that portfolio if the credit quality remains the same when you see the same kind of run-off. But we are cognizant of the need to next year we continue to maintain the strong reserves that we have today.
The next question comes from Ebrahim Poonawala with Bank of America Merrill Lynch. Please go ahead.
Ebrahim Poonawala
Good morning, guys.
Bryan Jordan
Good morning.
Ebrahim Poonawala
I wanted to follow up on the margin, BJ. In terms of I guess as we go forward, can you talk about how we should see about additional optimization on the cash on the overnight cash balances that you have. And also how we should be thinking about the run-off in the sort of the LIBOR linked deposits. Because it feels like we might see some give back from I guess margins getting better, but it's of a smaller balance sheet. So just wanted to make sure I understand that correctly as we look into the back half of the year.
BJ Losch
Sure, Ebrahim. So our cash balances I think ended the quarter in the $600 million to $700 million range or so down from over $2 billion. And I think that's probably the right level of cash for us in terms of running the business. We did optimize our deposits in our deposit base by reducing our market index deposits pretty meaningfully. And we're using some other funding sources that are probably a little bit more efficient and frankly optically a little bit better, meaning that they're not in the deposit line they're really other kinds of borrowings.
And so what we did just so you know if you look at the financial supplement pages 9 through 12, now have a what we believe is a more helpful breakout for investors between our consumer interest, our commercial interest and our market index deposits. So you can see the trends on those. But we're taking down those market index deposits we're optimizing those, which are the highest cost.
We're managing our consumer interest and our commercial interest, which is really our core balances with our customer relationships to a very reasonable level. I think that if you look at our consumer interest data since really the fourth quarter through the -- fourth quarter of '16 through the second quarter of '17, it's probably about 20% beta and the commercial is about 35%.
I would actually expect that the consumer interest gets better meaning the beta gets lower by the end of this year as we optimize some of the things that we've done with deposit pricing. And commercial deposits will have to remain competitive, but we think a 35% beta at this point in the cycle is pretty strong. So if we're maintaining that deposit beta discipline and allowing our floating rate loan yields to continue to move higher, we think that we'll see appropriate expansion in the margin overtime.
Ebrahim Poonawala
And, so in your slide seven, you point out 3 basis points benefit from higher rates. I guess, adjusting for the two things you mentioned more on often the market index deposits. Should the incremental benefit from higher rates be around this 3 to 5 basis points range as we think about 3Q?
BJ Losch
Yes, that's probably appropriate. If you looked at the right hand side as well Ebrahim, we kind of give you an idea of what a 25, 50 and 100 bps move means on our existing balance sheet. And so you could translate that back into NIM and that's roughly what it is.
Ebrahim Poonawala
Understood. And just separate question, I think going back to sort of the non-strategic portfolio, looks like you've got about $44 million in reserve against that book. I know through post-crisis it's been more economical to keep retain that portfolio. I'm just wondering if we get as we get closer to the fourth quarter with the CBS deal closing. Is there any thought around disposing that portfolio maybe taking a mark and sort of cleaning the balance sheet as we move forward into '18 or it doesn't make sense?
Bryan Jordan
Ebrahim this is Bryan I think the probability of that is about as close to zero as you can get. It's running all at about 40% CPRs today. The credit quality remains high and we're completely willing to over the next year or so say it run-off most of the portfolio is either at or about to be in amortization. So we don't think that there is any viable way to sell it and we don't think there would probably an economically intelligent way to sell it either. So we'll continue to run it off.
The next question comes from Ken Zerbe. Please go ahead
Ken Zerbe
Great, thanks, good morning.
Bryan Jordan
Good morning, Ken.
Ken Zerbe
When we think about your bonefish targets, sort of and combined registered sort of cost and pressure that we are seeing and the capital markets business with ADR. How much are reaching your bonefish targets requires additional bank M&A or something that's not let's just call it part of the core business growth?
BJ Losch
Hey, Ken it's BJ. So, I am assuming that you are talking about other than Capital Bank.
Ken Zerbe
Yes I am not referring to that at all, yes.
BJ Losch
Yes, so we have always thought that with our existing business mix forget Capital Bank for a second, with our existing business mix we always believed obviously that we can get to our bonefish targets. We would need even more rate increases so to do that 100, 125 basis points at least of movement.
And that would take some time to get there obviously. What we liked about the Capital Bank deal and what we talked about in the announcement was that it helps us accelerate our ability to get to those bonefish targets by optimizing capital and using cost efficiencies and other opportunities to improve our return. So we are excited about that.
But as you can see from our second quarter results, we haven't taken our foot off the gas in the least, in terms of our organic growth, regional bank is excellent and continuing its momentum and we are excited about that and we will continue to leverage that.
Last thing I'll say on FTN is, as we have said before, we like the business, the business is very well run, it does contribute positively to our results. But if you go back to page six in our slide deck, we kind of try to put FTN in a little bit more context than maybe we have in the past. The bank is really the 800 pound gorilla that drives our results and those are the things that we focused on and talk about. And FTN is going to contribute and contribute positively to that, but the other areas are the ones that are going to really be the engine that drives our returns in performance.
Ken Zerbe
Okay great, I'll leave it there, so, other people can ask questions. Thank you very much.
BJ Losch
Thanks, Ken.
The next question comes from Emlen Harmon with JMP Securities. Please go ahead.
Emlen Harmon
Hey, good morning guys.
Bryan Jordan
Good morning.
Emlen Harmon
Maybe, just to continue on the capital markets business, sort of just discussing that. With the reduced outlook for that business in the near-term, I mean is there anything that you can do on the fixed expense side of things to try and improve the profitability there?
BJ Losch
Absolutely. Our leaders over in that business have already made very difficult decisions over the last quarter and actually over the last year as we saw certain structural changes in some of our business segments out there, they have already taken a lot of cost out of the fixed expense base were appropriate and they'll continue to do that.
So the business is what we are trying to do is make sure that we take as much cost out of that business as we can without sacrificing some of the differentiation in terms of customer service that we provide to our fixed income institutional clients. And so we will continue to do that.
I want to say that over the last year, we have taken about 6 plus spend of the fixed expense base out of FTN. And so that's fairly meaningful and they are not -- they are going to continue to look for opportunities to become more efficient.
Bryan Jordan
Hey Emlen, this is Bryan, I sort of tag on to your question and maybe a little bit in Ken. What BJ has said, we think that is a good profitable business, we've been in it a long time, we think it's well managed and it is going to ebb and flow based on what's going on in the market particularly in the agency business, which has had an impact on the pressing revenues particularly callable agency business, which has had an impact on pressing revenues.
In the recent past, we do think that there is a bit of a transition going on by adding the Coastal acquisition and the products set of the government guarantee loan portfolio and we think that will be a good opportunity for us to continue the momentum in that business.
As we look out across the future, we look at our models and we look at our estimates and we realized that probably every line item in there is off a little bit, but in aggregate we think that we've got a high degree of confidents of hitting these bonefish targets. And so as we've demonstrated a little bit in the last quarter, while fixed income can be down, something is going to be very good in the banking business and these thinks are going to sort of trend or offset and it's going to ebb and flow.
And we are focused on the long-term hitting these targets and we think that the FTN financial fixed income business will continue to be a critical part of that. I don't know what it's going to do next quarter or next year, but I think consistently it's going to be a profitable business and that we tend to be at the cyclical low and that things will improve as we adjust the nature and the mix of the business.
Next question comes from Jennifer Demba with SunTrust. Please go ahead.
Jennifer Demba
Thank you, good morning.
Bryan Jordan
Good morning.
Jennifer Demba
I am just wondering if you could give us some color on your specialty lending businesses and how they have grown for you the last few quarters? Particularly franchise and equipment finance that kind of thing.
Susan Springfield
Sure. I'll be glad to take that Jennifer. As we have mentioned before we've seen some good growth in a number of our specialty businesses. I mentioned earlier asset based lending continues to see good opportunities. We saw really good new commitments to new customers as well as increased commitments to existing customers the last quarter, which should result in additional outstandings over the next couple of quarters in that business.
We've seen good growth in correspondent banking. It's not a big business for us it's a little over $400 million today, but it's up to 31% year-over-year. There have been opportunities to work with bank holding companies as they have government type that could be refinanced.
Mortgage warehouse lending I think we touch on that a lot that's seasonal as well as cyclical, although we have grown the number of customers there and feel good about that business. Our commercial real estate business actually quarter-over-quarter is flat.
And I mentioned earlier, but we do still see good opportunities in commercial real estate, but we're being I think appropriately cautious with certain property types in certain sub-market. But we do still see good opportunities with the right customers in the right market to continue to do business. We are seeing some good increases in yield opportunities in spread in the commercial real estate business.
The energy business is it actually declined quarter-over-quarter due to a customer that was sold and we are I think seeing some of that with some of the energy customers in and around the Houston market where there're opportunities for them to potentially sell out. That being said we've got a good pipeline there, and feel good about the level where we are at that point.
Franchise finance, franchise finance is really working on optimizing that portfolio. We've had some run-offs that we wanted to happen as we've kind of print the portfolio based on where we really wanted to head. But at the same time, since bringing on the GE Capital, Bank and [ph] Trust finance portfolio we've issued over $200 million in new commitments to borrowers.
So although it was down quarter-over-quarter due to some expected run-offs some of which was some non-past run-off which we'd like to see that and we believe that is a business that will have some good growth opportunities in the future due to the fact that we've got new commitments there.
So all-in-all I believe that the specialty businesses will continue to be very important for us and we have good opportunities with existing customers, as well as key prospects in all those specialty lines.
Jennifer Demba
Thanks for the color.
Next question comes from Casey Haire with Jefferies. Please go ahead.
Elan Zanger
Hey, good morning guys this is Elan Zanger on for Casey.
Bryan Jordan
Good morning.
BJ Losch
Good morning.
Elan Zanger
I wanted to just touch back in mortgage warehouse. You mentioned customer growth has helped keep the balance levels up. So I wanted to know if we get a steady as it goes purchase market. Could we see the back half of the year kind of mirror or may obviously down a little bit versus last year's levels, but just kind of hanging there, just given the customer growth you guys have.
BJ Losch
Yes, we certainly think so. Our customer account is up as you can see on the slide. Fundings actually what's coming through the warehouse are up as well, up around the same amount as the customer levels around 20% or so. The issue is they're not staying in the warehouses long that's the dwell time issue. So that's damping it. The other is refi activity last year would have been little bit more towards 50-50 purchase refi now at 70-30 purchase refi.
And so we're very pleased with the business you can see the commitments are up materially year-over-year. And so our clients have capacity when they do have origination volumes come up. Summer is usually a healthy time for the business as well so we're optimistic on that. But, as I said in my opening comments, we do think that balances should remain steady from where we are in the second quarter in terms of the average balances. But certainly probably down from some elevated levels that we saw last year.
Elan Zanger
Okay. And could you guys just remind us what the yield is on this book and have the yields for this type of loan been able to track the Fed hikes?
BJ Losch
Yes they have. Because they are all floating rate loans based off LIBOR. And the rate is about 4.75%. And so it's one of our highest yielding books.
Elan Zanger
Okay, thank you.
Next question comes from Christopher Marinac with FIG Partners. Please go ahead.
Christopher Marinac
Thanks, good morning guys. I wanted to drill back on deposit costs. Do you think that the sort of linkage and I guess the beta that we saw this quarter. Should that be similar over the next two quarters or will that maybe vary as we're further along on the tightening phase.
BJ Losch
Hey Chris it's BJ. There are couple of components to the answer. One is I think that we'll probably see the same betas on our commercial interest book. And again as I said earlier we broke it out to make it a little easier we believe for investors to understand our trends.
So I think that will remain steady. I think consumer betas will get better. We talked about in the first quarter that we ran a promo and so that promo was started in the first quarter ran through part of the second quarter. But that those promo balances will step down over the rest of the year. So I would actually expect our consumer deposit betas if you look at 4Q '16 to 4Q '17 to probably actually be more like a 10% beta versus the 20-ish% or so beta that we look like right now.
And so I'm encouraged again by the discipline that our people are showing. And on the third bucket the market index deposits you saw a pretty substantial decline in those deposits, which are really used to fund the non-strategic balances, which are coming down trading inventory at FTN and et cetera. And so we can optimize our use of those market index deposits and bring them down and also use other fundings to fund that stuff. So again, I'm very pleased with how we're managing deposits and expect that our betas will very competitive with others.
Christopher Marinac
Great, that's helpful. Thanks for all that. And I guess just a quick follow-up is, I know you outlined a little bit this about the integration of Capital Bank and what's happening across the teams. How quickly after the merger closes do you think you can start to incrementally grow business from the relationships that you inherit and being able to offer more services and products to them?
Bryan Jordan
Hey Chris, this is Bryan. The short answer is on day one we'll start to grow relationships and to offer more services, the integration will take a little bit longer than that and the sort of repeat blinding glimpse of the obvious as BJ said our applications are in we don't know the exact timing on regulatory approval. We are assuming and we believe fourth quarter is reasonable.
So our conversion integration timeline planning is around the first half of 2018. So some of the system things will take a little bit of time. But as it relates to revenue synergies in terms of whole positions, calling opportunities, lending arrangement those things can start day one and we think we will very actively hit the ground running in those opportunities.
Some of the product opportunities will take us maybe another five or six months, but we still feel very, very good about the work from our due diligence and the findings there about the euphemism of handing glove fit between these two franchise as we think that we are going to hit the ground running.
And I mentioned earlier, we have been out and we have talked to a lot of people, it wasn't just Jane [ph] and me, there was a large group of us, we spend a lot of time working with folks from both organization to think about how we do business and we think we're going to hit the ground running with a good bit of momentum in 2018.
Christopher Marinac
Great fine. Thanks very much for the background, appreciate it.
Bryan Jordan
Sure, thank you.
The next question comes from Brian Zabora with Hovde Group. Please go ahead.
Brian Zabora
Good morning.
Bryan Jordan
Good morning.
BJ Losch
Good morning.
Brian Zabora
So just a follow-up question on this market index deposits, are you at the point now, where you think it's completely optimized or could we see further reductions there and maybe higher shorter term borrowings going forward?
BJ Losch
It all continue to fluctuate based on our funding needs for those other pieces of business that I talked about the non-strategic balances or fixed income inventory. But we'll look to continually optimize those market index deposits to obviously lower our overall cost of funds.
Brian Zabora
Great. And then just on the loan yield side, you had bigger enquiries this quarter than last couple. It sounds like maybe those loans to mortgage companies was a big driver it looks like higher yield than the rest of the portfolio. Is that the only I guess the main driver for that acceleration or are there other factors that you saw for the increase in the yields at a higher pace than last quarter?
BJ Losch
I think loans to mortgage companies certainly helped, but our business mix is also helping as well. The things that that are growing are the things that that are more economically profitable on higher yielding businesses. So we are pleased with that, the things like loans to mortgage companies as you mentioned, asset based lending has healthy yields, we have been getting good pricing on our core commercial business. Our loan yields on a commercial real estate have been healthy. So again we are pleased with how our bankers are going to market and getting fair pricing.
Bryan Jordan
This is Bryan. The other thing I will add is that the substantial portion of our portfolio that is floating rate, does not re-price instantaneously, there is a bit of lag and particularly when you hit some of these consumer contracts about when the rate changes and things of that nature. So we have had a bit of drift on that as we have had a couple of quarters of rate increases and we should see a little bit more benefit in the third quarter from that.
Brian Zabora
Great, thanks for taking my questions.
Bryan Jordan
Sure, thank you.
The last question comes from Tyler Stafford with Stephens. Please go ahead.
Tyler Stafford
Hey, good morning guys.
BJ Losch
Good morning.
Bryan Jordan
Good morning, Tyler.
Tyler Stafford
I just wanted to follow-up on the FTN expenses. With the ADRs expected to stay relatively flat for the next few quarters, with Coastal in next. Is this a good run rate to think about for FTN expenses? And then the 90% efficiency ratio this quarter at FTN, is that the right range to think about with Coastal in next?
BJ Losch
Tyler I think generally speaking yes, as I -- as we talked about earlier the business is constantly looking to optimize our expense base wherever we can and I am sure we will continue to do that. But the biggest driver of course is going to be the variable compensation piece in that business.
And now with a full quarter of Coastal this is kind of what our business is right now. And so if we expect ADRs to be roughly flat you should generally expect that the expenses would follow that.
Tyler Stafford
Okay, thanks guys.
Bryan Jordan
Thank you.
This concludes our question-and-answer session. I would like to turn the conference back over to Bryan Jordan for any closing remarks.
Bryan Jordan
Thank you, Brian. Thank you all for participating on the call this morning. We appreciate your interest in the company. Please let any of us know if you have any follow-up questions or you need any additional information. Thank you again to all of the First Tennessee, First Horizon, FTN Financial folks on the phone. Again for all you do to take care of our customers and grow the business day-in day-out. Hope everyone has a great weekend. Thank you very much.
The conference is now concluded. Thank you for attending today's presentation. You may now disconnect.
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Weird Al Yankovic
Monthly Forecast for July 2017
" In the '80s, I was putting out an album virtually every year, I think mostly based on fear - that if I didn't, people would soon forget about me."
Weird Al Yankovic is a male celebrity.
He was born on Friday October 23rd 1959, in Downey, California, United States.
For Weird Al Yankovic, July 2017 is a 5 Personal Month in a 7 Personal Year. It is a time of unexpected events that require Weird Al to exercise flexibility, especially in thought. Yankovic should better let old concepts and dogma go. This is a time of incredible growth, mentally as well as spiritually, but he has to allow such growth to occur.
New information comes to Weird Al Yankovic. He has the opportunity to change old ideas about life or people. His circumstances could even change. Travel is also possible and favorable, and a sudden phone call could put Weird Al on the plane the next day. Letters or phone calls could come from people he has not heard from in a long time.
Meanwhile, Weird Al Yankovic feels scattered and restless and wants to avoid the nitty gritty details of life. He better go with the flow, answer demands as they come up and not try to control the circumstances too much.
During July 2017, Weird Al Yankovic is mentally sharp and quick to see the meaning of new information. He is also creative and imaginative. This month releases his wilder side, especially when it comes to Yankovic's social life and love relationship.
Within the context of this year's serious and spiritual overtones, July 2017 is by far one of the most dynamic months. Weird Al Yankovic must be careful of too much self-indulgence and irresponsibility. Moderation, again, is the key.
Let's see now what Saturday, July 22nd 2017 has in-stored for Weird Al.
You and Weird Al
About Weird Al's Personal Month Cycle
Just as Weird Al Yankovic evolves through a nine-year cycle, he also experiences nine-month cycles, even though their impact is subtle compared to the Personal Year cycle. The Personal Month cycles proceed according to the same pattern - 1 through 9 - that the Personal Year cycle does. The numbers within the monthly cycles have a similar, though less pronounced, impact on Weird Al than the yearly cycle has.
Read more about our numerological monthly forecast for


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Health News
WASHINGTON (Reuters) - U.S. Senate Republicans, scolded by President Donald Trump for failing to overturn Obamacare, tried to salvage their seven-year effort for a new healthcare law on Thursday, but leading senators indicated frustration over shifting goal posts.
Posted on: Thu, 20 Jul 2017 18:37:55 -0400
BOSTON (Reuters) - Chipotle Mexican Grill Inc shares fell to a four-year low on Thursday after testing confirmed Norovirus in a customer who ate at one of the chain's Virginia restaurants and a video of rodents crawling on the floor of a Dallas shop went viral.
Posted on: Thu, 20 Jul 2017 18:09:13 -0400
ASPEN, Colorado (Reuters) - The Trump administration is developing the first comprehensive strategy to defend the United States against disease pandemics and biological attacks by terrorists, the top White House homeland security official said on Thursday.
Posted on: Thu, 20 Jul 2017 14:28:44 -0400
(Reuters) - Abortion rights groups filed a lawsuit on Thursday seeking to block a Texas law that bans the most common method of second-trimester abortion which critics argue erodes women's rights.
Posted on: Thu, 20 Jul 2017 16:35:11 -0400
WASHINGTON (Reuters) - The latest version of Senate Republicans' legislation to repeal and replace the Affordable Care Act would leave 22 million Americans without health insurance coverage by 2026, the U.S. Congressional Budget office said on Thursday.
Posted on: Thu, 20 Jul 2017 13:06:00 -0400
Happy & Healthy
Diet & Fitness
Here's why you really need to stop the negative self-talk.
Posted on: Thu, 20 Jul 2017 17:44:01 -0400
Splashing around in a pool isn't the only way you can contract this painful, itchy infection. Here's what experts say about other causes, symptoms to look for, and the best way to ease the discomfort.
Posted on: Mon, 03 Jul 2017 16:00:01 -0400
Posted on: Thu, 20 Jul 2017 10:13:06 -0400
Is a blow to the stomach the secret to a six-pack? A personal trainer weighs in on this potentially painful move.
Posted on: Wed, 19 Jul 2017 16:19:44 -0400
Posted on: Wed, 19 Jul 2017 13:51:56 -0400


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More ideas from Erin
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My wife & I eat here often. We can depend on a conscientious staff and a custom-made fresh meal. She gets vegetarian (black bean) tacos & I like the variety of offerings. Menu can be a little confusing, there are so many options.
1 - 10 of 26 reviews
My wife & I eat here often. We can depend on a conscientious staff and a custom-made fresh meal. She gets vegetarian (black bean) tacos & I like the variety of offerings. Menu can be a little confusing, there are so many options.
I eat at Tijuana Flats locations regularly for the good food, clean space, hot sauce bar and great music. This location is no exception. Spot on. The manager on duty was very knowledgable about the new menu they just rolled out. The jerk chicken street...More
We stopped by for a Mexican salad lunch - great menu choice with a large selection of sauces. Would have preferred to have eaten from a plate rather than a plastic tray with paper liner but tasted great all the same. Quick service. Small selection...More
This is fresh, fast mexican food at its finest. It's affordable and delicious with lots of choices for the whole family. It has a fun, funky atmosphere and the servers are friendly, happy and helpful. It's clean and has a fun hot sauce bar, too.
I had the burrito and chips - enough food for dinner. my wife had a combo plate. Service is teepee style and can be a bit slow on a busy night. Prices are good and the food is served hot. Excellent sauce bar.
My wife and I just left LA Fitness and remembered that Tijuana Flats was in the same complex. So we sat outside and waited for our complimentary chips and salsa to arrive. And they did - a huge basket of chips with a freshly made...More
The staff is wonderful. Every Thursday I call in an order (because it is throw back thursday - tijuana burrito and drink for $5.99) and they are extremely pleasant. They now know my order when I call in! Every time I have gone there the...More
Stopped in for a quick lunch after buying appliances and treated ourselves to some excellent Chicken Quesadillias and chips. You have to experiment with the sauce bar and find the right mix of flavor and spice - but that's the fun here. The service was...More
I love the Taco Tuesdays Specials! This is when it is affordable to visit Tijuana Flats. There are so many mild to hot to extra extra hot sauces to try and the services is fast and extremely polite. Prices are a little high if you...More
Not on the menu but if you ask it is delicious!!! Ground beef in a cheese sauce dip!!! Just a little secret we love! Also the tacos are great!!