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190-753 - Using JavaScript in IBM Lotus Domino 7 Applications - Dump Information

Vendor : Lotus
Exam Code : 190-753
Exam Name : Using JavaScript in IBM Lotus Domino 7 Applications
Questions and Answers : 90 Q & A
Updated On : July 19, 2018
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190-753 Using JavaScript in IBM Lotus Domino 7 Applications

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190-753 exam Dumps Source : Using JavaScript in IBM Lotus Domino 7 Applications

Test Code : 190-753
Test Name : Using JavaScript in IBM Lotus Domino 7 Applications
Vendor Name : Lotus
Q&A : 90 Real Questions

Using JavaScript in IBM

What HelpSystems Is prior to now | killexams.com Real Questions and Pass4sure dumps

June 13, 2018 Alex Woodie

because of a slew of acquisitions, HelpSystems has develop into one the biggest impartial application vendors within the IBM i market, with tools spanning operations, safety, backup, high availability, types administration, and potential planning. a company consultant contemporary sat down with IT Jungle at the fresh commonplace PowerUp convention to focus on what’s new.

HelpSystems didn’t have a single most important product launch on the common conference in San Antonio, Texas, two weeks in the past. in its place the business used the experience to showcase varied enhancements, and to talk about future items — corresponding to a safety assistance and event management (SIEM) answer and a new analytics dashboard — which are coming down the pike.

Arguably the greatest HelpSystems product information from PowerUp revolved around Insite, which is a web-based dashboard that HelpSystems makes use of across distinct items. The company firstly delivered Insite as a method for users to access definite PowerTech safety capabilities lower back in 2014, and it due to this fact used the HTML5 and JavaScript GUI with some of its robotic tools.

Now Insite is getting a much wider roll-out.

“We’ve been type of piloting it in the robotic and PowerTech space and now we’re adding further and further to it,” stated Tom Huntington, HelpSystems vice president of technical features. whereas the enterprise doesn’t plan to make use of Insite with all of its one hundred twenty-plus products, it does plan to make use of it with lots of them, together with one other 14 this year, he observed.

Insite is HelpSystems’ strategic internet-based UI for varied items.

Huntington says Insite is gaining traction with valued clientele for dissimilar explanations. For starters, it’s free. Secondly, it’s no longer a 5250 greenscreen. “that you would be able to still use green screen if you desire. however the world’s changing accessible and the brand new people coming in don’t want to use green display,” he stated. And thirdly, Insite lets administrators provide clients examine-handiest entry to items like the frequent robotic/time table devoid of giving them full entry to the application or setting up anything else on their PCs.

The Insite product, which runs on Intel and power servers and comprises a Postgres database, complements HelpSystems pass-platform construction method. whereas the IBM i debts for roughly fifty five percent to 60 p.c of HelpSystems business, in keeping with Huntington, the home windows and Linux enterprise is growing to be instantly. “we like IBM i. We’re very an awful lot committed to IBM i,” he noted. “We’re doing lots with other structures that americans don’t recognize.”

at the conclusion of April, HelpSystems launched Insite Analytics, which is an add-on that extends insight with enterprise intelligence capabilities. The product lets users construct analytic dashboards with information from Db2, SQL Server, and Oracle databases.

“you've got data sources all over the place,” Huntington observed. “It gives you the potential . . . to join tables, columns, fields. which you could construct widgets and dashboards. We’re simply getting stated on this. here is section one. phase two could be charting.” Insite Analytics is not free, however cost-effective, Huntington noted.

HelpSystems is close to unveiling a new SIEM product in an effort to provide a high-level, pass-platform view of business security. The product, which is according to technology it received with its Tango/04 acquisition, may be able to examine a whole lot of log files, Syslog info, SNMP traps, flat files, and database information generated via IBM i, Linux, windows, and Oracle methods. it is going to additionally allow clients to drill down into particular person movements during the insight GUI.

HelpSystems is entering the SIEM business with a refreshed and rebranded protection tool known as PowerTech experience supervisor.

“We’re going to bounce into the SIEM business with this product,” Huntington said. “There are customers on IBM i that are the use of Syslog equipment Splunk, LogRhythm, and [IBM‘s] QRadar. these guys were around for years, however they don’t be aware IBM i admire HelpSystems. I suppose there’s going to be an enormous [opportunity] for our IBM i purchasers, certainly that mid-tier customer that doesn’t have a Syslog device, but they also have windows servers and they’re hunting for anything nevertheless. There’s loads of opportunity there.”

HelpSystems also just shipped a brand new update to entry Authenticator, a multi-ingredient authentication (MFA) product the enterprise first launched ultimate 12 months. With edition 1.three, the business gets new APIs for integrating with a much broader array of products. It additionally receives support for one-time password era.

On the efficiency monitoring entrance, HelpSystems has ultimately rebranded the historical QSystemMonitor that it received with its acquisition of CCSS in 2012. The business has rebranded that product as robot monitor. It additionally added guide in robotic computer screen for amassing and monitoring VIOS and AIX efficiency statistics moreover IBM i information, Huntington mentioned.

HelpSystems additionally spruced up its two company intelligence and reporting equipment, Sequel and exhibit, with aid for Oracle 12 (they also support Db2 for i, of direction). and eventually on the document management entrance, HelpSystems shipped WebDocs varieties administration 1.0, a tool that lets clients construct database-powered net form purposes.

yes, the Eden Prairie, Minnesota, business has plenty on its plate. no matter if its managing its personal 120+ items or carrying on with the building of three of IBM’s personal apps – Rational Developer for i (RDi), BRMS, or PowerHA – there isn't any scarcity of items to attend to.

And don’t be stunned if just a few extra are delivered, might be even later this yr. “we can do additional acquisitions,” Huntington talked about. “That’s simply the name of the online game.”

linked stories

IBM i Finds A Youthful Swagger Down In Texas

robot Job Scheduler receives a fresh New appear

HelpSystems’ utility Integration starts off With GUI

PowerTech puts an attractive Face on network safety

support/programs receives Its Splunk On with ‘InterMapper’ Launch

support/methods Buys CCSS For methods administration competencies


artificial Intelligence Has a Bias difficulty, and it be Our Fault | killexams.com Real Questions and Pass4sure dumps

AI Has a Bias Problem, and It's Our Fault

In 2016, researchers from Boston university and Microsoft were engaged on synthetic intelligence algorithms after they found racist and sexist dispositions in the technology underlying one of the most most generic and significant capabilities we use every day. The revelation went in opposition t the prevalent wisdom that synthetic intelligence doesn't endure from the gender, racial, and cultural prejudices that we humans do.

The researchers made this discovery whereas researching note-embedding algorithms, a kind of AI that finds correlations and associations amongst diverse phrases by means of analyzing gigantic bodies of textual content. for instance, a proficient be aware-embedding algorithm can keep in mind that phrases for vegetation are closely regarding pleasurable emotions. On a more useful degree, word embedding knows that the term "computer programming" is closely regarding "C++," "JavaScript" and "object-oriented evaluation and design." When built-in in a resume-scanning utility, this performance lets employers find certified candidates with much less effort. In search engines like google, it will possibly deliver better outcomes by mentioning content this is semantically involving the hunt time period.

The BU and Microsoft researchers discovered that the word-embedding algorithms had frustrating biases, notwithstanding—akin to associating "computing device programmer" with male pronouns and "homemaker" with feminine ones. Their findings, which they published in a analysis paper aptly titled "Man is to computing device Programmer as girl is to Homemaker?" was one among a couple of stories to debunk the fable of AI neutrality and to shed easy on algorithmic bias, a phenomenon that is achieving important dimensions as algorithms develop into increasingly worried in our universal decisions.

The Origins of Algorithmic Bias

laptop researching and deep-studying algorithms underlie most contemporary AI-powered utility. In distinction to average application, which works in keeping with predefined and verifiable guidelines, deep studying creates its own suggestions and learns via example.

for instance, to create a picture-cognizance utility according to deep getting to know, programmers "teach" the algorithm by way of feeding it labeled records: in this case, photographs tagged with the name of the object they contain. once the algorithm ingests enough examples, it may possibly glean typical patterns amongst similarly labeled information and use that suggestions to categorise unlabeled samples.

This mechanism allows deep getting to know to function many initiatives that were well-nigh not possible with rule-based software. but it surely additionally capability deep-researching application can inherit covert or overt biases.

"AI algorithms are not inherently biased," says Professor Venkatesh Saligrama, who teaches at Boston university's department of Electrical and computing device Engineering and worked on the word-embedding algorithms. "they've deterministic performance and should prefer up any tendencies that already exist within the information they train on."

The be aware-embedding algorithms proven via the Boston school researchers were proficient on hundreds of thousands of articles from Google information, Wikipedia, and other online sources by which social biases are deeply embedded. as an example, because of the bro tradition dominating the tech business, male names come up greater frequently with tech-related jobs—and that leads algorithms to associate guys with jobs reminiscent of programming and utility engineering.

ai bias face

"Algorithms will not have the vigor of the human intellect in distinguishing appropriate from wrong," provides Tolga Bolukbasi, a closing-year PhD scholar at BU. humans can decide the morality of our moves, even after we decide to act towards moral norms. but for algorithms, information is the greatest settling on factor.

Saligrama and Bolukbasi weren't the primary to lift the alarm about this bias. Researchers at IBM, Microsoft, and the tuition of Toronto underlined the need to steer clear of algorithmic discrimination in a paper published in 2011. lower back then, algorithmic bias changed into an esoteric problem, and deep researching nevertheless hadn't found its manner into the mainstream. today, even though, algorithmic bias already leaves a mark on lots of the things we do, akin to studying news, discovering friends, shopping online, and gazing video clips on Netflix and YouTube.

The have an impact on of Algorithmic Bias

In 2015, Google needed to ask for forgiveness after the algorithms powering its photos app tagged two black people as gorillas—perhaps because its practicing dataset did not have satisfactory images of black people. In 2016, of the forty four winners of a splendor contest judged by way of AI, just about all have been white, a couple of had been Asian, and just one had darkish dermis. again, the rationale turned into that the algorithm was often expert with photographs of white people.

more recently, a test of IBM and Microsoft's face-evaluation capabilities found the groups' algorithms were well-nigh flawless at detecting the gender of guys with easy skin but regularly erred when presented with photos of ladies with darkish dermis.

while these incidents probably brought about negligible harm, the identical can't be mentioned of AI algorithms in additional crucial domains, corresponding to fitness care, law enforcement, and recruitment. In 2016, an investigation via ProPublica discovered that COMPAS—AI-pushed software that assesses the chance of recidivism in offenders—become biased in opposition t americans of color. the invention become particularly regarding because judges in some states use COMPAS to examine who walks free and who stays in penal complex.

In one more case, a analyze of Google's advertising platform, which is powered via deep-studying algorithms, discovered that men have been shown advertisements for prime-paying jobs greater frequently than women were. A separate examine discovered a similar situation with LinkedIn's job ads. Yet an extra confirmed that biased hiring algorithms had been 50 % more more likely to ship an interview invitation to a person whose name turned into European-American than to someone with an African-American name.

Areas corresponding to personal loan approval, credit rating, and scholarship face similar threats.

ai bias head

Algorithmic bias is further caring because of how it may increase social biases. beneath the phantasm that AI is bloodless, mathematical calculation devoid of prejudice or bias, humans may tend to trust algorithmic judgment without questioning it.

In an interview with Wired UK, Edinburgh Napier college criminology lecturer Andrew Wooff followed that the "time-compelled, resource intensive" world of policing may cause law enforcement officers to count too a lot on algorithmic choices. "i will be able to think about a situation where a police officer may additionally count more on the [AI-driven] equipment than their personal choice-making approaches," he said. "Partly that might possibly be so so you might justify a decision when whatever goes wrong."

relying on biased algorithms creates a remarks loop: We make selections that create greater biased data that algorithms will then analyze and train on in the future.

This type of issue is already occurring on social media networks corresponding to facebook and Twitter. Algorithms working the information feeds create "filter bubbles," which reveal content material that conforms to users' preferences and biases. This can make them much less tolerant towards opposing views and can also additional polarize society by way of driving a wedge through the political and social divide.

"Algorithmic bias could doubtlessly have an effect on any community," says Jenn Wortman Vaughan, senior researcher at Microsoft. "corporations which are underrepresented within the statistics could be particularly at risk."

In domains which are already known for bias, such because the tech business's endemic discrimination in opposition t ladies, AI algorithms may accentuate those biases and effect in further marginalization of organizations that are not neatly represented.

fitness is another essential area, Wortman features out. "It could trigger serious problems if a machine gaining knowledge of algorithm being used for medical diagnosis is expert on facts from one population and, in consequence, fails to perform neatly on others," she says.

Bias can also be harmful in more subtle methods. "ultimate 12 months i used to be planning to take my daughter for a haircut and searched online for photographs of 'infant haircuts' for inspiration," Wortman says. but the pictures returned have been just about all of white toddlers, primarily with straight hair, and more incredibly, primarily boys, she seen.

experts call this phenomenon "representational damage": when know-how reinforces stereotypes or diminishes selected groups. "or not it's hard to quantify or measure the actual have an impact on of this sort of bias, but that doesn't suggest or not it's no longer vital," Wortman says.

eliminating Bias From AI Algorithms

The increasingly essential implications of AI bias have drawn the attention of a few companies and executive our bodies, and a few wonderful steps are being taken to handle the ethical and social issues surrounding the use of AI in diverse fields.

Microsoft, whose items rely heavily on AI algorithms, launched a analysis assignment three years in the past called equity, Accountability, Transparency, and Ethics in AI (destiny) aimed toward enabling users to benefit from the improved insights and effectivity of AI-powered functions with out discrimination and bias.

In some circumstances, like the AI-adjudicated beauty contest, finding and fixing the supply of an AI algorithm's biased conduct should be would becould very well be as effortless as checking and changing out the photos within the practicing dataset. however in different cases, such because the observe-embedding algorithms the Boston university researchers examined, bias is engrained in the practising information in additional subtle techniques.

The BU team, which turned into joined through Microsoft researcher Adam Kalai, developed a method to classify notice embeddings according to their gender categorizations and determine analogies that have been potentially biased. but they didn't make the final decision and would run every of the suspect associations by 10 americans on Mechanical Turk, Amazon's on-line marketplace for data-related projects, who would come to a decision no matter if the association should be removed or now not.

ai bias city

"We did not wish to insert our own biases into the process," says Saligrama, the BU professor and researcher. "We just offered the tools to find complicated associations. people made the final determination."

In a extra recent paper, Kalai and other researchers proposed using separate algorithms to categorise distinct agencies of people as an alternative of the use of the same measures for everyone. This components can prove constructive in domains the place current information is already biased in desire of a selected community. as an example, the algorithms that would evaluate female applicants for a programming job would use standards that are best suited for that neighborhood in its place of using the broader set of records it really is deeply influenced by using latest biases.

Microsoft's Wortman sees inclusiveness within the AI trade as a fundamental step to combat bias in algorithms. "If we want our AI methods to be constructive to each person and never just definite demographics, then agencies deserve to be hiring different groups to work on AI," she says.

In 2006, Wortman helped discovered women in computing device discovering (WiML), which holds a each year workshop at which women learning and dealing in the AI business can meet, network, alternate concepts, and attend panel discussions with senior girls in business and academia. a similar effort is the new Black in AI Workshop, based with the aid of Timnit Gebru, yet another Microsoft researcher, which aims to construct greater distinctive skill in AI.

Boston tuition's Bolukbasi also proposes altering the manner AI algorithms solve complications. "Algorithms will choose a rule set that maximizes their goal. There can be many tips on how to reach the same set of conclusions for given enter output pairs," he says. "Take the instance of varied-option tests for people. One can also reach the appropriate answer with a wrong considering process, however then again get the same ranking. a high-quality examine should be designed to reduce this effect, simplest enabling the people that basically be aware of the subject to get suitable rankings. Making algorithms aware of social constraints may also be seen as an analog to this example (however no longer an actual one), where learning a wrong rule set is penalized in the goal. here is an ongoing and difficult analysis theme."

AI's Opacity Complicates equity

ai bias hammer

a further problem standing in the means of making AI algorithms fairer is the "black field" phenomenon. in many cases, companies jealously protect their algorithms: as an instance, Northpointe Inc., the brand of COMPAS, the crime-predicting software, has refused to reveal its proprietary algorithm. The simplest americans aware of COMPAS' internal workings are its programmers, now not the judges the use of it to flow judgment.

aside from corporate secrecy, AI algorithms occasionally become so convoluted that the reasons and mechanisms in the back of their choices elude even their creators. in the UK, Durham police use AI device HART to assess no matter if suspects have a low, average, or high risk of committing additional crimes within a two-yr period. however a 2017 educational review of HART accompanied that "opacity appears tricky to steer clear of." here is partly because of the sheer volume and variety of facts the gadget makes use of, which makes it complicated to research the explanations at the back of its choices. "These particulars could be made freely purchasable to the public, however would require an incredible period of time and effort to wholly be mindful," the paper says.

a few organizations and agencies are leading efforts to deliver transparency to AI, including Google, which has launched GlassBox, an initiative to make the behavior of desktop-gaining knowledge of algorithms greater understandable without sacrificing output best. The protection superior research tasks company (DARPA), which oversees the use of AI in the militia, is additionally funding an effort to allow AI algorithms to explain their decisions.

In different instances, human judgment might be key in dealing with bias. To stay away from current racial and social human biases from creeping into HART's algorithms, the Durham Constabulary offered participants of its personnel with attention sessions round unconscious bias. The police force has also taken steps to eradicate data facets such as racial traits, which might create the grounds for biased decisions.

Human accountability

From a distinct point of view, AI algorithms can supply an opportunity to think about our personal biases and prejudices. "the world is biased, the historic information is biased, hence it is not remarkable that we get hold of biased outcomes," Sandra Wachter, a researcher in facts ethics and algorithms at the university of Oxford, instructed The Guardian.

Wachter is a component of a research crew from the Alan Turing Institute in London and the school of Oxford, which published a paper calling for laws and institutions to investigate viable discrimination via AI algorithms.

additionally speaking to The Guardian, Joanna Bryson, a pc scientist at the university of tub and the coauthor of a analysis paper on algorithmic bias, mentioned, "lots of people are asserting [algorithmic bias] is displaying that AI is prejudiced. No. here's showing we're prejudiced and that AI is discovering it."

In 2016, Microsoft launched Tay, a Twitter bot that changed into supposed to learn from humans and interact in sensible conversations. however within 24 hours of Tay's launch, Microsoft had to shut it down after it started spewing racist feedback, which it had picked up from its conversations with Twitter users. perhaps here is a reminder that it's previous time that we people renowned our personal role within the apparition and propagation of the algorithmic bias phenomenon and take collective steps to undo its results.

"this is a extremely complex project, but it surely is a responsibility that we as society should still no longer shy away from," Wachter says.


The best massive statistics technologies | killexams.com Real Questions and Pass4sure dumps

it be a knowledge-pushed world we are living in and that records is growing to be exponentially, so lots so that it's impulsively changing our lives and organizations all over are having to modify and adapt to these great quantities of information.

From imaginitive storage applied sciences to IoT deployment and the ecu's new GDPR legislation, large facts is driving change in the business.

massive data is a problem for even the biggest of enterprises, who can not find the money for to disregard the big capabilities it has to increase enterprise choices, reach purchasers with better accuracy, and streamline business methods.

To utilise massive statistics to its full expertise, organizations want the right tools to technique, analyse and save the a must-have suggestions they produce and bring together on a regular foundation for real-time consequences.

The four main elements of any large data undertaking are statistics storage, statistics mining, data analysis and statistics visualisation, and each has a number of innovative and high tech tools on present for companies.

beneath we've listed the most useful tools for your big data projects.

information storage

For large records projects, cloud-based mostly storage tool is essential to maximise the volume of tips that you could shop. Cloud storage alternatives can help you keep statistics in a cozy and accessible fashion, for ease of use. here are our appropriate three:

Hadoop

Hadoop is an open-source platform, certainly designed to save very gigantic datasets the usage of clusters. It helps both structured and unstructured facts and scales with ease, so is first-rate for corporations that are more likely to need extra means with out tons note. it will probably also handle an immense variety of projects without any latency. here's a good choice for corporations which have the developer aid to enforce Java, nonetheless it does require some effort to stand up and running.

MongoDB

MongoDB is awfully constructive for organisations that use a mixture of semi-structured and unstructured information. This can be, for instance, organisations that improve cellular apps, people who need to keep information concerning product catalogues, or records used for real-time personalisation.

RainStor

in preference to quite simply storing huge information, Rainstor compresses and de-duplicates statistics, providing storage rate reductions of as much as 40:1. It does not lose any of the datasets within the manner, making it a superb alternative if an agency wants to take abilities of storage discounts. Rainstor is purchasable natively for Hadoop and uses SQL to control facts.

information mining

after getting your facts stored, you are going to should add some equipment to locate the tips you need to analyse or visualise. Our suitable three tools will support you extract the statistics you want with out the hassle of manually trawling through all of it (a role it's impossible for humans to do anyway if you cling thousands or more information).

IBM SPSS Modeler

IBM's SPSS Modeler will also be used to build predictive fashions using its visible interface instead of by means of programming. It covers text analytics, entity analytics, decision management and optimisation and makes it possible for for the mining of both structured and unstructured information throughout a complete dataset.

KNIME

KNIME is a scalable open source answer with more than 1,000 modules to help facts scientists mine for brand new insights, make predictions and find key elements from facts. text info, databases, files, images, networks and even Hadoop-based facts can all be examine, making it an ideal answer if the information types are mixed. It elements a major range of algorithms and community contributions to present a full suite of information mining and analysis equipment.

RapidMiner

RapidMiner is an open source data mining device that permits shoppers to use templates in place of having to jot down code. This makes it a good looking choice for businesses without a selected resource or in the event that they're simply looking for a tool to start mining records. A free version is also accessible, although it's restricted to 1 logical processor and 10,000 information rows. The tool also offers environments for desktop researching, textual content mining, predictive analytics and company analytics to assist with the total manner.

records analysis

bought the records you need? Now it be time to find the strongest tools to help you analyse it with the intention to glean key insights into your company, your consumers or the wider world. right here, we round up our common statistics evaluation tools.

Presto

Presto is an open supply distributed SQL query engine it's designed to run queries towards information as a powerful interactive analytics engine. it's used through big corporations similar to facebook, which contributed to the development of the platform alongside Netflix, Airbnb and Groupon to make it an excellent greater powerful tool for statistics analytics.

SAP HANA

statistics analytics is only one point of SAP's HANA platform, nevertheless it's a characteristic it does notably neatly. helping text, spatial, graph and collection facts from one area, SAP HANA integrates with Hadoop, R and SAS to assist agencies make quickly decisions in response to valuable information insights.

Tableau

Tableau combines facts analysis and visualisation equipment and can be used on a computing device, via a server or online. The on-line version has a big focal point on collaboration, which means that you can with no trouble share your discoveries with anyone else for your corporation. Interactive visualisations make it easy for all and sundry to make feel of the counsel and with Tableau Cloud's absolutely hosted option, you may not want any aid to configure servers, manipulate application upgrades, or scale hardware capability.

Splunk Hunk

Designed to run on exact of Apaches Hadoop framework, Splunk's Hunk is a completely-fitted statistics analytics tool that may generate graphs and visible representations of the statistics it's fed, all manageable via a dashboard. Queries can be made in opposition t raw statistics through Hunk's interface, whereas graphs, charts and dashboards may also be immediately created and shared through Hunk's interface. It additionally works on other databases and shops as neatly, together with Amazon EMR, Cloudera CDH, and Hotronworks data Platform among others.

facts Visualisation

not every person is adept at taking key insights from an inventory of data features or figuring out what they imply. The highest quality method to latest your records is through turning it into records visualisations so every person can understand what it capacity. listed here are our proper information visualisation tools.

Plotly

Plotly helps the introduction of charts, displays and dashboards from statistics analysed the usage of JavaScript, Python, R, Matlab, Jupyter or Excel. a huge visualisation library and online chart creation device makes it super-primary to create outstanding looking pictures the use of a totally constructive import and evaluation GUI.

DataHero

DataHero is a simple to make use of visualisation device, which could suck statistics from numerous cloud services and inject them into charts and dashboards that make it less complicated for the whole enterprise to understand insights. because no coding is required, or not it's suitable to be used with the aid of organisations without records scientists in dwelling.

QlikView

With a set of capabilities on present, QlikView enables its clients to create facts visualisations from all method of information sources with self-provider tools that eradicate the need for complex records fashions to be in place. easy visualisation is served up via QlikView running on exact of the company's own analytics platform, which can also be shared with others so choice made upon developments the information published may also be collaborative. greater advanced capabilities permit for QilkView's visible analytics to be embedded into apps, whereas dashboards can ebook individuals throughout the production of analytics experiences devoid of crucial them to have an realizing of information science.

image credit: Bigstock


190-753 Using JavaScript in IBM Lotus Domino 7 Applications

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190-753

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risk of cancer in a big cohort of nonaspirin NSAID users: a population-based mostly analyze | killexams.com real questions and Pass4sure dumps

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  • Baron JA, Sandler RS (2000) Nonsteroidal anti-inflammatory drugs and cancer prevention. Annu Rev Med 51: 511–523

  • Coogan PF, Rosenberg L, Louik C, Zauber AG, Stolley PD, Strom BL, Shapiro S (2000) NSAIDs and possibility of colorectal cancer based on presence or absence of family history of the disease. cancer explanations manage 11: 249–255

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  • Egan KM, Stampfer MJ, Giovannucci E, Rosner BA, Colditz GA (1996) potential study of general aspirin use and the risk of breast melanoma. J Natl melanoma Inst 88: 988–993

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  • Friis S, Sørensen HT, McLaughlin JK, Johnsen SP, Blot WJ, Olsen JH (2003) population-based mostly cohort analyze of the possibility of colorectal and other cancers among clients of low-dose aspirin. Br J cancer 88: 684–688

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  • Garidou A, Tzonou A, Lipworth L, Signorello LB, Kalapothaki V, Trichopoulos D (1996) life-vogue components and medical situations relating to esophageal cancer by using histologic type in a low-chance population. Int J cancer 68: 295–299

  • Giovannucci E, Egan KM, Hunter DJ, Stampfer MJ, Colditz GA, Willett WC, Speizer FE (1995) Aspirin and the risk of colorectal cancer in ladies. N Engl J Med 333: 609–614

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  • Jones MK, Wang H, Peskar BM, Levin E, Itani RM, Sarfeh IJ, Tarnawski AS (1999) Inhibition of angiogenesis via nonsteroidal anti-inflammatory medication: perception into mechanisms and implications for cancer boom and ulcer curative. Nat Med 5: 1418–1423

  • Kawamori T, Rao CV, Seibert ok, Reddy BS (1998) Chemopreventive activity of celecoxib, a specific cyclooxygenase-2 inhibitor, in opposition t colon carcinogenesis. cancer Res 58: 409–412

  • Kulkarni S, Rader JS, Zhang F, Liapis H, Koki AT, Masferrer JL, Subbaramaiah k, Dannenberg AJ (2001) Cyclooxygenase-2 is overexpressed in human cervical melanoma. Clin cancer Res 7: 429–434

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  • McLaughlin JK, Lipworth L (2000) Epidemiologic elements of renal phone melanoma. Semin Oncol 27: 115–123

  • Meier CR, Schmitz S, Jick H (2002) association between acetaminophen or nonsteroidal antiinflammatory medicine and risk of setting up ovarian, breast, or colon cancer. Pharmacotherapy 22: 303–309

  • Mellemkjær L, Blot WJ, Sørensen HT, Thomassen JK, McLaughlin JK, Nielsen GL, Olsen JH (2002) higher gastrointestinal bleeding amongst clients of NSAIDs: a inhabitants-primarily based cohort study in Denmark. Br J Clin Pharmacol fifty three: 173–181

  • Morris CD, Armstrong GR, Bigley G, eco-friendly H, Attwood SEA (2001) Cyclooxygenase-2 expression in the Barrett's metaplasia–dysplasia–adenocarcinoma sequence. Am J Gastroenterol 96: 990–996

  • Moysich KB, Mettlin C, Piver MS, Natarajan N, Menezes RJ, Swede H (2001) regular use of analgesic drugs and ovarian melanoma risk. cancer Epidemiol Biomarkers Prev 10: 903–910

  • Muscat JE, Stellman SD, Wynder EL (1994) Nonsteroidal antiinflammatory medication and colorectal cancer. cancer seventy four: 1847–1854

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  • Peleg II, Maibach HT, Brown SH, Wilcox CM (1994) Aspirin and nonsteroidal anti-inflammatory drug use and the possibility of subsequent colorectal melanoma. Arch Intern Med 154: 394–399

  • Peto R, grey R, Collins R, Wheatley okay, Hennekens C, Jamrozik ok, Warlow C, Hafner B, Thompson E, Norton S (1988) Randomised trial of prophylactic day by day aspirin in British male doctors. BMJ 296: 313–316

  • Roberts RO, Jacobson DJ, Girman CJ, Rhodes T, Lieber MM, Jacobsen SJ (2002) A inhabitants-based mostly look at of day by day nonsteroidal anti-inflammatory drug use and prostate cancer. Mayo Clin Proc seventy seven: 219–225

  • Rodrigues LAG, Huerta-Alvarez C (2001) decreased chance of colorectal melanoma amongst lengthy-term clients of aspirin and nonaspirin nonsteroidal antiinflammatory drugs. Epidemiology 12: 88–ninety three

  • Rosenberg L (1995) Nonsteroidal anti-inflammatory medication and melanoma. Prev Med 24: 107–109

  • Rosenberg L, Louik C, Shapiro S (1998) Nonsteroidal antiinflammatory drug use and decreased possibility of giant bowel carcinoma. cancer eighty two: 2326–2333

  • Rosenberg L, Palmer JR, Zauber AG, Warshauer ME, Stolley PD, Shapiro S (1991) A speculation: nonsteroidal anti-inflammatory medication cut back the incidence of significant-bowel cancer. J Natl cancer Inst 83: 355–358

  • income KJ, Katz AA, Davis M, Hinz S, Soeters RP, Hofmeyr MD, Millar RP, Jabbour HN (2001) Cyclooxygenase-2 expression and prostaglandin E(2) synthesis are up-regulated in carcinomas of the cervix: a probable autocrine/paracrine legislation of neoplastic cell function by way of EP2/EP4 receptors. J Clin Endocrinol Metab 86: 2243–2249

  • income KJ, Katz AA, Howard B, Soeters RP, Millar RP, Jabbour HN, Soeters RP (2002) Clooxygenase-1 is up-regulated in cervical carcinomas: autocrine/paracrine law of cyclooxygenase-2, prostaglandine receptors, and angiogenic factors by means of clooxygenase-1. cancer Res 62: 424–432

  • Sandler RS, Galanko JC, Murray SC, Helm JF, Woosley JT (1998) Aspirin and nonsteroidal antiinflammatory brokers and risk for colorectal adenomas. Gastroenterology 114: 441–447

  • Schreinemachers DM, Everson RB (1994) Aspirin use and lung, colon, and breast cancer incidence in a prospective analyze. Epidemiology 5: 138–146

  • Smalley W, Ray WA, Daugherty J, Griffin MR (1999) Use of nonsteroidal anti-inflammatory medicine and incidence of colorectal melanoma: a inhabitants-primarily based study. Arch Intern Med 159: 161–166

  • Storm HH, Michelsen EV, Clemmensen IH, Pihl J (1997) The Danish melanoma Registry–background, content, first-class and use. Dan Med Bull forty four: 549–553

  • Suh O, Mettlin C, Petrelli NJ (1993) Aspirin use, cancer, and polyps of the massive bowel. cancer 72: 1171–1177

  • Sørensen HT, Olsen JH, Mellemkjær L, Thulstup AM, Steffensen FH, McLaughlin JK, Baron JA (2000) cancer risk and mortality in users of calcium channel blockers. A cohort study. melanoma 89: one hundred sixty five–170

  • Thun MJ, Namboodiri MM, Calle EE, Flanders WD, Heath Jr CW (1993) Aspirin use and possibility of deadly cancer. melanoma Res fifty three: 1322–1327

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  • PotashCorp experiences Third-Quarter income of $0.06 per Share | killexams.com real questions and Pass4sure dumps

    CEO Commentary"With powerful customer engagement in all key markets, potash fundamentals persisted to improve within the third quarter," observed PotashCorp President and Chief govt Officer Jochen Tilk. "during this atmosphere, we delivered more desirable potash consequences on list quarterly earnings volumes and higher fee realizations. Importantly, we expect that the rising consumption traits in location these days will proceed, with the knowledge for another record shipment year in 2018.

    "we've made significant growth involving our merger with Agrium. On the regulatory front, we recently announced that we obtained clearance in Canada in addition to in India – the place we've dedicated to divesting three of our minority shareholdings. With approvals received in 4 jurisdictions and best the U.S. and China final, we continue to are expecting the merger of equals to close by the end of 2017 and are well-located to convey on the strategic advantages and synergy potential of this transaction," said Tilk.

    SASKATOON, Oct. 26, 2017 /PRNewswire/ - Potash supplier of Saskatchewan Inc. (PotashCorp) suggested third-quarter revenue of $0.06 per share ($53 million) – together with a non-cash impairment can charge in phosphate of $0.03 per share – bringing the 9-month complete to $0.48 per share ($403 million). outcomes for the quarter were down from the $0.10 per share ($81 million) earned within the third quarter of 2016, while the nine-month total surpassed the $0.33 per share ($277 million) earned in the same period ultimate year.

    Gross margin became $230 million for the quarter and $753 million for the primary nine months, exceeding 2016 stages of $a hundred ninety million and $667 million, respectively, essentially due to bigger potash contributions that more than offset weaker nitrogen and phosphate results. cash from operating actions earlier than working capital changes4 of $290 million for the quarter and $935 million for the primary nine months surpassed remaining 12 months's totals of $247 million and $908 million for the same durations.

    Investments in Arab Potash company (APC) in Jordan, Israel chemicals Ltd. (ICL) in Israel and Sociedad Quimica y Minera de Chile S.A. (SQM) in Chile contributed $35 million to our third-quarter salary, bringing the whole for the first 9 months to $132 million. Totals for both the third quarter and first nine months handed the respective quantities generated last 12 months, which additionally included a dividend from Sinofert Holdings restricted (Sinofert) in China. The market value of our investments in these four publicly traded groups changed into about $6.6 billion,5 or $8 per PotashCorp share, at market shut on October 25, 2017.

    Market ConditionsGlobal potash expenditures more advantageous for the fifth consecutive quarter as agronomic need and affordability ended in strong demand in all primary markets. Shipments to China and India accelerated following contract settlements early in the third quarter whereas deliveries to Latin the united states persevered at a record pace. In North the usa, buyers worked to place product in anticipation of a powerful fall utility season, resulting in increased cargo ranges.

    In nitrogen, tighter market fundamentals late within the quarter supported a restoration in prices from multi-12 months lows. This was most evident in urea markets, the place seasonally strong demand and lessen chinese language exports led to larger prices. Ammonia and UAN fees additionally bolstered, however remained volatile and neatly below 2016's third quarter degrees, as new expansions all started to ramp up, most specially within the US.

    Phosphate fertilizer markets witnessed moderate appreciation right through the quarter, supported through more suitable engagement from India and weather-connected deliver outages that offset the have an impact on of competition from expanded chinese exports. while costs for industrial products have been distinctly flat throughout the quarter, feed costs remained beneath pressure as a result of the impact of accelerated provide from offshore producers, holding them neatly beneath prior-12 months stages.

    Potash Potash gross margin of $254 million for the third quarter and $627 million for the first 9 months of 2017 surpassed the respective totals of $106 million and $317 million generated in 2016, predominantly due to larger fees, reduced per-tonne costs and increased offshore sales volumes.

    sales volumes for the quarter reached a list 2.9 million tonnes, increasing our complete for the first nine months to 7.four million tonnes. In North america, shipments had been 10 p.c larger than in 2016's listing third quarter, while offshore shipments have been up 14 %. the majority of Canpotex's volumes for the quarter had been sold to Latin the usa (30 %) and other Asian markets outdoor of China and India (26 percent), whereas China and India accounted for 23 p.c and 14 %, respectively.

    Our ordinary realized potash fee of $179 per tonne within the third quarter passed the $a hundred and fifty per tonne realized within the equal period remaining yr as expenditures in all markets continued to support from the lows in 2016.

    Manufactured charge of goods bought for the quarter averaged $89 per tonne, down from $106 per tonne within the same duration last yr, primarily as a result of elevated construction and the advantages of optimizing to our decrease-charge mines.

    Nitrogen In nitrogen, weaker expenditures resulted in gross margin of $21 million for the quarter and $186 million for the first nine months, down from $sixty nine million and $306 million, respectively, in 2016. Our Trinidad operations accounted for 60 % of our quarterly nitrogen gross margin, with our US operations proposing the remainder.

    sales volumes of 1.6 million tonnes for the quarter and four.7 million tonnes for the first nine months had been flat in comparison to the respective intervals in 2016.

    Our commonplace realized price of $168 per tonne for the third quarter become down from $200 per tonne within the same duration closing year as a result of decrease realizations for ammonia and nitrogen options.

    charge of goods sold for the quarter averaged $157 per tonne, particularly flat compared to third-quarter 2016, as lessen natural fuel expenses in Trinidad have been partly offset with the aid of improved herbal gas expenses within the US.

    PhosphateThird-quarter phosphate gross margin of terrible $forty five million became under the $15 million earned all over the identical duration ultimate 12 months, basically due to weaker expenses and a non-money impairment can charge of $29 million. terrible gross margin of $60 million for the first 9 months trailed the $44 million generated within the identical period of 2016 when fees for all our phosphate items have been larger.

    earnings volumes of 0.8 million tonnes for the quarter and a pair of.0 million tonnes for the primary 9 months were modest increases from the same durations final year (5 % and a pair of p.c, respectively).

    Our regular realized expense for the third quarter became $365 per tonne, beneath the $385 per tonne realized in the same period closing year, largely due to reduce costs for feed and industrial items.

    can charge of items sold of $420 per tonne for the quarter exceeded the $366 per tonne within the same length of 2016, specially due to an impairment of property, plant and device at Aurora regarding a feed product that we'll no longer produce.

    financial Provincial mining and other taxes for the quarter totaled $forty seven million, exceeding the $31 million in last yr's corresponding duration, primarily as a result of better potash prices.

    different prices of $30 million for the third quarter had been mainly impacted by way of overseas alternate losses and transaction expenses concerning the proposed merger with Agrium. This in comparison to different revenue of $5 million in 2016's third quarter.

    income tax expense of $22 million for the quarter expanded from $2 million in the same length last year predominantly because of discrete tax adjustments related to prior years' provisions.

    Potash Market OutlookWe proceed to peer powerful consumer engagement in all key potash markets and expect amazing demand to proceed into 2018. we now have maintained our anticipated world cargo latitude for 2017 at sixty two-sixty five million tonnes and, with Canpotex now totally dedicated for the the rest of the yr, we predict this yr's demand to eclipse the outdated checklist.

    In North the usa, demand remains amazing as growers tackle nutrient wants and capitalize on powerful affordability. We predict complete shipments to this market to strategy the upper end of our 9.3-9.eight million tonnes range.

    With its sizeable agronomic want and favorable crop economics, we expect deliveries to Latin the united states will continue to be on tempo to surpass these of 2016, with our full-12 months shipment complete unchanged at 12.0-12.5 million tonnes.

    In China, we are expecting nutrient affordability will continue to force mighty consumption. We hold our 2017 shipment estimate in the range of 15.5-16.5 million tonnes, a potential list for this market.

    We continue to peer an enhancing demand environment in India, supported with the aid of enormous agronomic need, greater minimum guide expenditures and a good monsoon. We now predict deliveries for 2017 near the upper end of our suggestions latitude of four.0-four.5 million tonnes, an increase from 2016 ranges.

    In other Asian markets, we predict supportive palm oil expenditures and better moisture situations will help demand for the remainder of the 12 months and are preserving our estimated shipment range of 9.0-9.5 million tonnes for the entire 12 months, above the 2016 complete.

    fiscal OutlookWith superior readability on potash markets during the stability of the year, we now have narrowed our information latitude for potash revenue volumes, to 9.1-9.3 million tonnes, and for gross margin, to $750-$800 million.

    In nitrogen, we expect markets to remain risky within the fourth quarter and count on full-12 months gross margin can be tremendously weaker than in 2016. In phosphate, we expect challenging market fundamentals will continue to weigh on our realizations. With these components in intellect, and bearing in mind the third-quarter phosphate impairment cost, we now have diminished our mixed nitrogen and phosphate gross margin range and now estimate $140-$190 million in 2017, trailing closing yr's mixed complete.

    We now assume our effective earnings tax rate to be in a negative latitude of 2-four percent, primarily due to discrete tax alterations.

    we have decreased the upper conclusion of our estimates for provincial mining and different taxes and now are expecting a number of 19-21 % of potash gross margin for 2017. additional, we've decreased our latitude for selling and administrative costs to $215-$225 million and extended our range for finance prices to $230-$240 million.

    we've raised the bottom end of our latitude for earnings from equity investments and now are expecting $one hundred eighty-$a hundred ninety million, primarily due to the power of SQM earnings.

    due to the recent strength of the Canadian dollar, we've revised our full-12 months foreign alternate fee assumption to CDN $1.30 per US greenback.

    in accordance with these components, we now have narrowed our full-year 2017 income information and now estimate $0.48-$0.fifty four per share. Merger-related charges at the moment are expected to be $0.08 per share, with $0.05 per share anticipated in the fourth quarter.

    All annual counsel numbers – including these mentioned above – are outlined in the desk below.

    2017 assistance

    Annual revenue per share

    $0.forty eight-$0.fifty four

    Potash revenue volumes

    9.1-9.three million tonnes

    Potash gross margin

    $750-$800 million

    Nitrogen and phosphate gross margin

    $140-$a hundred ninety million

    Capital costs*

    ~$600 million

    advantageous tax rate

    terrible 2-4 percent

    Provincial mining and different taxes**

    19-21 percent

    promoting and administrative prices

    $215-$225 million

    Finance costs

    $230-$240 million

    profits from fairness investments***

    $180-$190 million

    Annual foreign change cost assumption

    CDN$1.30 per US$

    Annual EPS sensitivity to international change

    US$ strengthens vs. CDN$ with the aid of $0.02 = +$0.01 EPS

    Annual EPS sensitivity to potash fees

    raises by $20 per tonne = +$0.14 EPS

    does not encompass capitalized interest** As a percentage of potash gross margin*** contains revenue from dividends and share of fairness salary

     

    Notes

    1. All references to per-share amounts pertain to diluted net salary per share.2. Canpotex constrained (Canpotex), the offshore advertising enterprise for PotashCorp and two other Saskatchewan potash producers.3. Agrium Inc. (Agrium)4. See reconciliation and description of non-IFRS measures in the connected part titled "selected Non-IFRS economic Measures and Reconciliations and Supplemental counsel."5. Market value of PotashCorp's investment in Sociedad Quimica y Minera de Chile S.A. calculated the use of ultimate traded fee of B shares.

    _________________________________________________________________________________

    PotashCorp is the area's biggest crop nutrient business and performs an fundamental function in global meals construction. The company produces the three essential vitamins and minerals required to aid farmers develop healthier, more ample crops. With global inhabitants rising and diets enhancing in constructing nations, these vitamins and minerals offer a responsible and functional answer to assembly the lengthy-term demand for food. PotashCorp is the largest producer, with the aid of skill, of potash and one of the most largest producers of nitrogen and phosphate. while agriculture is its fundamental market, the company also produces products for animal food and industrial uses. typical shares of Potash company of Saskatchewan Inc. are listed on the Toronto inventory change and the manhattan inventory exchange.

    This free up consists of "ahead-looking statements" (in the meaning of the USA deepest Securities Litigation Reform Act of 1995) or "forward-looking suggestions" (in the which means of applicable Canadian securities legislation) that relate to future hobbies or our future performance. These statements can also be recognized by expressions of belief, expectation or intention, as well as these statements that are not historic reality. These statements frequently include words akin to "may still," "could," "are expecting," "forecast," "may also," "anticipate," "consider," "intend," "estimates," "plans" and an identical expressions. These statements are according to certain components and assumptions as set forth during this document, including with admire to: overseas change quotes, anticipated growth, effects of operations, performance, company possibilities and alternatives, together with the completion of the proposed merger of equals with Agrium, and useful tax charges. whereas we accept as true with these factors and assumptions to be competitively priced in response to information currently accessible, they may additionally show to be improper. ahead-searching statements are discipline to hazards and uncertainties which are complex to predict. The consequences or pursuits set forth in ahead-searching statements can also vary materially from genuine results or hobbies. several components may trigger our actual outcomes or pursuits to differ materially from those expressed in ahead-searching statements including, but now not restrained to, right here: our proposed merger of equals transaction with Agrium, including the failure to fulfill all required situations, together with required regulatory approvals, or to fulfill or achieve waivers with admire to all other closing conditions in a well timed manner and on favorable phrases or at all; the incidence of any experience, trade or other situations that could supply upward thrust to the termination of the arrangement settlement; definite charges that we may also incur in reference to the proposed merger of equals; certain restrictions in the association contract on our skill to take motion outdoor the common course of business with out the consent of Agrium; the impact of the announcement of the proposed merger of equals on our means to maintain consumers, suppliers and personnel and on our operating future business and operations frequently; hazards related to diversion of administration time from ongoing business operations because of the proposed merger of equals; failure to realize the predicted merits of the proposed merger of equals and to correctly integrate Agrium and PotashCorp; the risk that our credit rankings can be downgraded or there may be hostile circumstances in the credit markets; any enormous impairment of the carrying price of certain belongings; adaptations from our assumptions with appreciate to international exchange prices, expected increase, consequences of operations, efficiency, business possibilities and opportunities, and helpful tax rates; fluctuations in deliver and demand in the fertilizer, sulfur and petrochemical markets; adjustments in competitive pressures, including pricing pressures; hazards and uncertainties involving any operating and personnel changes made based on our business and the markets we serve, including mine and inventory shutdowns; opposed or doubtful financial circumstances and changes in credit score and monetary markets; financial and political uncertainty world wide; changes in capital markets; the results of revenue contract negotiations inside primary markets; surprising or antagonistic weather situations; risks regarding reputational loss; the occurrence of an important protection incident; inadequate coverage coverage for a major liability; our inability to attain vital enables for our operations; catastrophic activities or malicious acts, including terrorism; definite issues that might also arise in our mining manner, together with water inflows; hazards and uncertainties concerning our overseas operations and property; our possession of non-controlling fairness hobbies in different agencies; our prospects to reinvest capital in strategic opportunities and acquisitions; dangers linked to natural gasoline and other hedging activities; protection dangers involving our tips know-how systems; imprecision in reserve estimates; fees and availability of transportation and distribution for our uncooked materials and items, together with railcars and ocean freight; alterations in, and the consequences of, executive guidelines and regulations; revenue and the selections of taxing authorities which may affect our constructive tax rates; increases within the expense or reduced availability of the uncooked materials that we use; our capacity to entice, strengthen, engage and keep skilled employees; strikes or other types of work stoppage or slowdowns; quotes of return on, and the dangers associated with, our investments and capital expenditures; timing and affect of capital charges; the have an effect on of additional innovation; antagonistic tendencies in pending or future legal lawsuits or executive investigations; and violations of our governance and compliance guidelines. These hazards and uncertainties are mentioned in more aspect below the headings "possibility components" and "administration's discussion and evaluation of outcomes and Operations and fiscal condition" in our Annual record on form 10-ok for the fiscal year ended December 31, 2016 and in other files and reviews in consequence filed by means of us with the united states Securities and change fee and the Canadian provincial securities commissions. ahead-searching statements are given simplest as of the date hereof and we disclaim any obligation to update or revise any ahead-looking statements during this unlock, no matter if as a result of new assistance, future events or otherwise, except as required via law.

    _________________________________________________________________________________

    PotashCorp will host a convention name on Thursday, October 26, 2017 at 1:00 pm jap Time.

    cell convention:

    Dial-in numbers:

    - From Canada and the U.S.

    - From in other places

    1-866-438-1126

    1-778-328-1919

    are living Webcast:

    discuss with www.potashcorp.com

    Webcast individuals can publish inquiries to management on-line from their audio participant pop-up window.

     

    Potash service provider of Saskatchewan Inc.

    Condensed Consolidated Statements of revenue

    (in hundreds of thousands of US dollars apart from as in any other case referred to)

    (unaudited)

    Three Months Ended

    nine Months Ended

    September 30

    September 30

    2017

    2016

    2017

    2016

    revenue (observe 2)

    $

    1,234

    $

    1,136

    $

    3,466

    $

    three,398

    Freight, transportation and distribution

    (172)

    (154)

    (421)

    (405)

    cost of items bought

    (832)

    (792)

    (2,292)

    (2,326)

    Gross Margin

    230

    a hundred ninety

    753

    667

    selling and administrative costs

    (56)

    (59)

    (154)

    (167)

    Provincial mining and different taxes

    (47)

    (31)

    (one hundred twenty five)

    (88)

    Share of income of equity-accounted investees

    33

    25

    121

    74

    Dividend profits

    5

    eight

    17

    24

    Impairment of purchasable-for-sale investment

    -

    -

    -

    (10)

    other (costs) income (notice 3)

    (30)

    5

    (56)

    (four)

    operating profits

    one hundred thirty five

    138

    556

    496

    Finance fees

    (60)

    (fifty five)

    (180)

    (161)

    revenue before profits Taxes

    seventy five

    83

    376

    335

    earnings tax (rate) recuperation (note 4)

    (22)

    (2)

    27

    (58)

    net profits 

    $

    53

    $

    81

    $

    403

    $

    277

    internet income per Share

    basic

    $

    0.06

    $

    0.10

    $

    0.forty eight

    $

    0.33

    Diluted                                          

    $

    0.06

    $

    0.10

    $

    0.forty eight

    $

    0.33

    Dividends Declared per Share 

    $

    0.10

    $

    0.10

    $

    0.30

    $

    0.60

    Weighted normal Shares wonderful

    primary

    840,137,000

    839,570,000

    840,037,000

    838,661,000

    Diluted

    840,301,000

    840,045,000

    840,202,000

    839,376,000

    (See Notes to the Condensed Consolidated fiscal Statements)

     

    Potash agency of Saskatchewan Inc.

    Condensed Consolidated Statements of finished profits

    (in millions of US bucks)

    (unaudited)

    Three Months Ended

    nine Months Ended

    September 30

    September 30

    (internet of linked earnings taxes)

    2017

    2016

    2017

    2016

    web revenue

    $

    53

    $

    eighty one

    $

    403

    $

    277

    different complete earnings (loss)

    objects that are usually not reclassified to internet profits:

    web actuarial loss on described improvement plans (1)

    -

    -

    -

    (103)

    gadgets which have been or may well be in consequence reclassified to net income:

    purchasable-for-sale investments (2)

    internet reasonable value profit (loss) all the way through the period                       

    35

    15

    128

    (88)

    cash flow hedges

    internet reasonable cost loss throughout the length (three)

    (1)

    (5)

    (eight)

    (2)

    Reclassification to salary of internet loss (four)

    9

    11

    28

    39

    other

    (1)

    -

    2

    2

    different complete revenue (Loss)

    forty two

    21

    a hundred and fifty

    (152)

    comprehensive revenue

    $

    95

    $

    102

    $

    553

    $

    one hundred twenty five

    (1) net of salary taxes of $NIL (2016 - $NIL) for the three months ended September 30, 2017 and $NIL (2016 – $60) for the 9 months ended September 30, 2017.

    (2) purchasable-for-sale investments are made out of shares in Israel chemical compounds Ltd. ("ICL"), Sinofert Holdings limited ("Sinofert") and other.

    (three) money flow hedges are created from natural fuel by-product gadgets and treasury lock derivatives and had been net of revenue taxes of $NIL (2016 - $2) for the three months ended September 30, 2017 and $4 (2016 - $NIL) for the nine months ended September 30, 2017.

    (four) net of income taxes of $(4) (2016 - $(6)) for the three months ended September 30, 2017 and $(15) (2016 - $(22)) for the nine months ended September 30, 2017.

    (See Notes to the Condensed Consolidated monetary Statements)

     

    Potash company of Saskatchewan Inc.

    Condensed Consolidated Statements of cash flow

    (in millions of US dollars)

    (unaudited)

    Three Months Ended

    nine Months Ended

    September 30

    September 30

    2017

    2016

    2017

    2016

    operating actions

    internet revenue

    $

    53

    $

    81

    $

    403

    $

    277

    adjustments to reconcile web profits to cash supplied by using

    working activities (be aware 5)                      

    237

    166

    532

    631

    changes in non-money working working capital (notice 5)

    three

    forty eight

    (91)

    (1)

    money offered with the aid of working activities

    293

    295

    844

    907

    Investing activities

    Additions to property, plant and gadget

    (a hundred and seventy)

    (191)

    (431)

    (648)

    other property and intangible assets

    -

    (1)

    (1)

    (10)

    cash utilized in investing actions

    (170)

    (192)

    (432)

    (658)

    Financing actions

    Finance fees on lengthy-time period debt responsibilities

    -

    -

    (1)

    (four)

    (compensation of) proceeds from brief-term debt tasks

    (39)

    one hundred fifteen

    (99)

    519

    Dividends

    (84)

    (208)

    (248)

    (727)

    Issuance of normal shares

    -

    -

    1

    25

    cash utilized in financing activities

    (123)

    (ninety three)

    (347)

    (187)

    boost in cash and money Equivalents

    -

    10

    sixty five

    62

    money and money Equivalents, beginning of length

    97

    143

    32

    91

    cash and cash Equivalents, end of duration

    $

    ninety seven

    $

    153

    $

    ninety seven

    $

    153

    cash and cash equivalents made out of:

    money

    $

    31

    $

    forty eight

    $

    31

    $

    forty eight

    brief-time period investments

    sixty six

    one zero five

    sixty six

    one hundred and five

    $

    97

    $

    153

    $

    97

    $

    153

    (See Notes to the Condensed Consolidated financial Statements)

     

    Potash organization of Saskatchewan Inc.

    Condensed Consolidated commentary of alterations in Shareholders' fairness

    (in thousands and thousands of US bucks)

    (unaudited)

    accumulated other finished (Loss) profits

    web unrealized

    total

    gain on

    internet (loss) benefit 

    accrued

    accessible-

    on derivatives

    other

    Share

    Contributed

    for-sale

    specified as

    complete

    Retained

    total

    Capital

    Surplus

    investments

    cash flow hedges

    other

    (Loss) revenue

    revenue

    fairness

    stability - December 31, 2016

    $

    1,798

    $

    222

    $

    forty three

    $

    (60)

    $

    (eight)

    $

    (25)

    $

    6,204

    $

    8,199

    internet revenue

    -

    -

    -

    -

    -

    -

    403

    403

    other complete profits

    -

    -

    128

    20

    2

    150

    -

    150

    Dividends declared

    -

    -

    -

    -

    -

    -

    (252)

    (252)

    effect of share-based mostly compensation

    together with issuance of usual shares

    2

    6

    -

    -

    -

    -

    -

    eight

    Shares issued for dividend

    reinvestment plan

    5

    -

    -

    -

    -

    -

    -

    5

    balance - September 30, 2017

    $

    1,805

    $

    228

    $

    171

    $

    (forty)

    $

    (6)

    $

    a hundred twenty five

    $

    6,355

    $

    eight,513

    (See Notes to the Condensed Consolidated monetary Statements)

     

    Potash enterprise of Saskatchewan Inc.

    Condensed Consolidated Statements of economic place

    (in millions of US dollars apart from share quantities)

    (unaudited)

    September 30

    December 31

    As at

    2017

    2016

    belongings

    present belongings

    cash and money equivalents

    $

    97

    $

    32

    Receivables

    617

    545

    Inventories

    753

    768

    prepaid prices and other existing property

    fifty five

    forty nine

    1,522

    1,394

    Non-present assets

    Property, plant and machine

    13,179

    13,318

    Investments in fairness-accounted investees

    1,176

    1,173

    attainable-for-sale investments

    1,068

    940

    other assets

    237

    250

    Intangible belongings

    169

    one hundred eighty

    total belongings

    $

    17,351

    $

    17,255

    Liabilities

    latest liabilities

    brief-term debt and current element of lengthy-time period debt

    $

    785

    $

    884

    Payables and collected fees

    715

    772

    latest portion of derivative instrument liabilities

    35

    forty one

    1,535

    1,697

    Non-current liabilities

    lengthy-time period debt

    3,709

    three,707

    by-product instrument liabilities

    38

    fifty six

    Deferred salary tax liabilities

    2,375

    2,463

    Pension and other post-retirement improvement liabilities

    492

    443

    Asset retirement obligations and collected environmental charges

    632

    643

    other non-current liabilities and deferred credits

    57

    47

    complete Liabilities

    8,838

    9,056

    Shareholders' fairness

    Share capital

    1,805

    1,798

    unlimited authorization of normal shares with out par price; issued 

    and unbelievable 840,163,998 and 839,790,379 at September 30, 2017 

    and December 31, 2016, respectively

    Contributed surplus

    228

    222

    accrued different finished salary (loss)

    a hundred twenty five

    (25)

    Retained income

    6,355

    6,204

    complete Shareholders' fairness

    eight,513

    8,199

    complete Liabilities and Shareholders' equity

    $

    17,351

    $

    17,255

    (See Notes to the Condensed Consolidated fiscal Statements)

     

    Potash business enterprise of Saskatchewan Inc.Notes to the Condensed Consolidated financial StatementsFor the Three and 9 Months Ended September 30, 2017(in thousands and thousands of US dollars except as otherwise mentioned)(unaudited)

    1. enormous Accounting policies

    With its subsidiaries, Potash enterprise of Saskatchewan Inc. ("PCS") — collectively known as "PotashCorp" or "the enterprise" apart from to the extent the context in any other case requires — kinds a crop nutrient and related industrial and feed products company. The business's accounting guidelines are in response to overseas monetary Reporting requirements as issued with the aid of the international Accounting necessities Board ("IFRS"). The accounting guidelines and techniques of computation utilized in making ready these unaudited meantime condensed consolidated financial statements are in step with those used in the preparation of the enterprise's 2016 annual consolidated fiscal statements.

    These unaudited period in-between condensed consolidated financial statements consist of the debts of PCS and its subsidiaries; despite the fact, they do not include all disclosures invariably offered in annual consolidated financial statements and will be examine in conjunction with the business's 2016 annual consolidated fiscal statements. further, whereas the fiscal figures covered in this preliminary intervening time effects announcement had been computed in keeping with IFRS applicable to intervening time durations, this announcement does not include enough guidance to constitute an period in-between fiscal file as that term is defined in foreign Accounting average ("IAS") 34, "meantime financial Reporting". The company expects to submit an interim monetary file that complies with IAS 34 in its Quarterly document on kind 10-Q in October 2017.

    In administration's opinion, the unaudited interim condensed consolidated fiscal statements consist of all alterations integral to latest pretty such counsel. intervening time results are not necessarily indicative of the outcomes anticipated for the fiscal yr.

    2. phase counsel

    The enterprise has three reportable working segments: potash, nitrogen and phosphate. The accounting policies of the segments are the same as those described in word 1. Inter-section sales are made under terms that approximate market price.

    Three Months Ended September 30, 2017

    Potash

    Nitrogen

    Phosphate

    All Others

    Consolidated

    income - third party

    $

    595

    $

    288

    $

    351

    $

    -

    $

    1,234

    Freight, transportation and distribution - third birthday celebration

    (eighty five)

    (33)

    (fifty four)

    -

    (172)

    net income - third birthday party

    510

    255

    297

    -

    can charge of items sold - third celebration

    (256)

    (240)

    (336)

    -

    (832)

    Margin (can charge) on inter-phase earnings (1)

    -

    6

    (6)

    -

    -

    Gross margin

    254

    21

    (45)

    -

    230

    gadgets protected in can charge of items bought,

    selling and administrative or other prices:

    Depreciation and amortization

    (72)

    (forty seven)

    (fifty two)

    (9)

    (one hundred eighty)

    Impairment of property, plant and gadget

    -

    -

    (29)

    -

    (29)

    money outflows for additions to property,

    plant and machine

    fifty six

    70

    43

    1

    170

    (1) Inter-phase internet earnings were $15.

    Three Months Ended September 30, 2016

    Potash

    Nitrogen

    Phosphate

    All Others

    Consolidated

    revenue - third party

    $

    453

    $

    333

    $

    350

    -

    $

    1,136

    Freight, transportation and distribution - third birthday party

    (73)

    (28)

    (53)

    -

    (154)

    net earnings - third party

    380

    305

    297

    -

    cost of goods bought - third celebration

    (274)

    (243)

    (275)

    -

    (792)

    Margin (cost) on inter-segment earnings (1)

    -

    7

    (7)

    -

    -

    Gross margin

    106

    sixty nine

    15

    -

    190

    gadgets protected in can charge of items sold,

    promoting and administrative or different prices

    Depreciation and amortization

    (59)

    (53)

    (fifty three)

    (18)

    (183)

    money outflows for additions to property,

    plant and device

    94

    forty four

    54

    (1)

    191

    (1) Inter-section internet income were $14.

    9 Months Ended September 30, 2017

    Potash

    Nitrogen

    Phosphate

    All Others

    Consolidated

    revenue - third birthday celebration

    $

    1,485

    $

    1,047

    $

    934

    $

    -

    $

    three,466

    Freight, transportation and distribution - third party

    (199)

    (97)

    (a hundred twenty five)

    -

    (421)

    internet revenue - third birthday party

    1,286

    950

    809

    -

    cost of items offered - third party

    (659)

    (789)

    (844)

    -

    (2,292)

    Margin (charge) on inter-section revenue (1)

    -

    25

    (25)

    -

    -

    Gross margin

    627

    186

    (60)

    -

    753

    objects blanketed in charge of goods offered,

    selling and administrative or different costs:

    Depreciation and amortization

    (183)

    (one hundred forty four)

    (166)

    (27)

    (520)

    Impairment of property, plant and machine

    -

    -

    (29)

    -

    (29)

    cash outflows for additions to property,

    plant and device

    137

    143

    one hundred forty five

    6

    431

    (1) Inter-phase net income were $54.

    9 Months Ended September 30, 2016

    Potash

    Nitrogen

    Phosphate

    All Others

    Consolidated

    revenue - third party

    $

    1,227

    $

    1,a hundred and forty four

    $

    1,027

    $

    -

    $

    three,398

    Freight, transportation and distribution - third birthday celebration

    (196)

    (88)

    (121)

    -

    (405)

    web sales - third celebration

    1,031

    1,056

    906

    -

    charge of goods bought - third party

    (714)

    (777)

    (835)

    -

    (2,326)

    Margin (cost) on inter-segment income (1)

    -

    27

    (27)

    -

    -

    Gross margin

    317

    306

    44

    -

    667

    objects covered in cost of items sold,

    promoting and administrative or different fees:

    Depreciation and amortization

    (159)

    (159)

    (165)

    (35)

    (518)

    Share of Canpotex's (2) Prince Rupert

    venture exit charges                                

    (33)

    -

    -

    -

    (33)

    Termination advantage fees

    (32)

    -

    -

    -

    (32)

    Impairment of property, plant and gadget

    -

    -

    (27)

    -

    (27)

    money outflows for additions to property,

    plant and device

    259

    178

    142

    69

    648

    (1) Inter-segment net earnings had been $48.

    (2) Canpotex restricted ("Canpotex").

     

    3. different (expenses) revenue

    Three Months Ended

    9 Months Ended

    September 30

    September 30

    2017

    2016

    2017

    2016

    overseas change (loss) profit

    $

    (14)

    $

    5

    $

    (22)

    $

    (14)

    Proposed Transaction expenses (be aware 7)

    (10)

    -

    (33)

    -

    other (expenses) income

    (6)

    -

    (1)

    10

    $

    (30)

    $

    5

    $

    (fifty six)

    $

    (four)

     

    4. salary Tax (cost) restoration

    A separate estimated average annual constructive tax rate became determined for each taxing jurisdiction and applied in my view to the pre-tax profits of each and every jurisdiction.

    Three Months Ended

    nine Months Ended

    September 30

    September 30

    2017

    2016

    2017

    2016

    income tax (price) healing

    $

    (22)

    $

    (2)

    $

    27

    $

    (58)

    specific positive tax price on commonplace revenue

    17%

    sixteen%

    10%

    20%

    exact valuable tax expense together with discrete gadgets

    29%

    2%

    -7%

    17%

    Discrete tax changes that impacted the tax fee 

    $

    (9)

    $

    11

    $

    67

    $

    11

     

    large items to note encompass the following:

  • The genuine effective tax fee on ordinary revenue diminished for the 9 months ended September 30, 2017 compared to the identical length final 12 months as a result of diverse weightings between jurisdictions, most chiefly a decline within the united states partly offset by way of a rise in Canada.
  • in the 2d quarter of 2017, a discrete deferred tax healing of $68 turned into recorded on account of a Saskatchewan earnings tax rate decrease. This decreased the specific positive tax fee including discrete gadgets for the nine months ended September 30, 2017 by 18 percentage points.
  • within the second quarter of 2016, a $10 discrete non-tax deductible impairment of the business's purchasable-for-sale investment in Sinofert turned into recorded. This multiplied the actual valuable tax cost including discrete items for the 9 months ended September 30, 2016 through one percentage factor.
  •  

    5. Consolidated Statements of cash flow

    null

    Three Months Ended

    nine Months Ended

    September 30

    September 30

    2017

    2016

    2017

    2016

    Reconciliation of money supplied by means of working actions

    web earnings

    $

    fifty three

    $

    eighty one

    $

    403

    $

    277

    changes to reconcile web profits to cash supplied with the aid of

    operating actions

    Depreciation and amortization

    180

    183

    520

    518

    Impairment of property, plant and equipment

    29

    -

    29

    27

    web dispensed (undistributed) revenue of equity-accounted

    investees                                                              

    1

    (23)

    (1)

    21

    Impairment of available-for-sale funding

    -

    -

    -

    10

    Share-based mostly compensation

    2

    three

    9

    8

    (recovery of) provision for deferred earnings tax

    (three)

    6

    (99)

    5

    Pension and different submit-retirement merits

    17

    8

    50

    36

    Asset retirement obligations and collected environmental fees

    1

    (12)

    3

    13

    different lengthy-term liabilities and miscellaneous

    10

    1

    21

    (7)

    Subtotal of changes

    237

    166

    532

    631

    changes in non-cash working working capital


    LCNB Corp. stories monetary outcomes for the Three and Twelve Months Ended December 31, 2016 | killexams.com real questions and Pass4sure dumps

    LEBANON, Ohio--(company WIRE)--LCNB Corp. (NASDAQ: LCNB) today introduced web earnings of $3,654,000 (complete simple and diluted revenue per share of $0.37) and $12,482,000 (complete basic and diluted income per share of $1.26 and $1.25, respectively) for the three and twelve months ended December 31, 2016, respectively. This compares to web profits of $2,884,000 (total simple and diluted income per share of $0.29) and $11,474,000 (total simple and diluted revenue per share of $1.18 and $1.17, respectively) for the same three and twelve-month intervals in 2015. Comparisons with 2015 have been drastically affected by the acquisition of BNB Bancorp, Inc. ("BNB") on April 30, 2015. in addition, LCNB bought impaired loans with a carrying cost of about $4.5 million all over the second quarter 2015.

    Commenting on the fiscal consequences, LCNB Chief government Officer Steve Foster talked about, "we are blissful to existing our financial consequences for the three and twelve months ended December 31, 2016. We had strong fiscal effects and continued growth in our mortgage and deposit relationships. Return on normal belongings ("ROAA") changed into 0.ninety six% for 2016 and return on typical fairness ("ROAE") was eight.60%. This compares to an ROAA of 0.94% and an ROAE of eight.forty three% for 2015. evaluating December 31, 2016 to December 31, 2015, loans have been $48.9 million or 6.three% more desirable and deposits were $23.7 million or 2.2% greater. moreover, LCNB continues to put money into technological advancements, together with a brand new mobile banking platform brought throughout the second quarter of 2016. New aspects protected the means to make mobile deposits and cellular payments. development continues on our new Operations center in downtown Lebanon, Ohio. When comprehensive in early Spring, the new facility will supply a whole lot mandatory extra space as LCNB continues to grow and extend and should permit us to extra efficiently meet our customers' investment and borrowing needs."

    net activity salary for the three and twelve months ended December 31, 2016 extended $433,000 and $915,000, respectively, from the related durations in 2015, due primarily to increase in LCNB's mortgage portfolio and the payoff of a now excessive-cost $5.0 million Federal domestic loan bank borrowing throughout the primary quarter 2016.

    the supply for mortgage losses for the three and twelve months ended December 31, 2016 turned into $325,000 and $453,000 less than the similar intervals in 2015. internet personal loan cost-offs for the three and twelve months ended December 31, 2016 totaled $278,000 and $467,000, respectively. This compares to net can charge-offs of $209,000 and $1,358,000 for the three and twelve months ended December 31, 2015, respectively. The 2015 steadiness contains charge-offs diagnosed because of the impaired personal loan sale outlined above. Non-accrual loans and loans past due 90 days or extra and nevertheless accruing pastime accelerated $3,466,000, from $2,282,000 or 0.30% of total loans at December 31, 2015, to $5,748,000 or 0.70% of total loans at December 31, 2016, basically as a result of 5 loans that were newly labeled as non-accrual all over 2016. other real property owned (which comprises property bought through foreclosure or deed-in-lieu of foreclosure) was $846,000 at December 31, 2015. LCNB didn't own such a property at December 31, 2016 as a result of the sale of a industrial property all through the fourth quarter 2016.

    Non-interest earnings for the three and twelve months ended December 31, 2016 turned into $15,000 and $730,000 superior than the similar durations in 2015, respectively. Non-activity revenue for the full year turned into superior essentially due to a $587,000 raise in positive factors from revenue of investment securities, reflecting a more robust extent of securities revenue, and to a $121,000 raise in bank owned life coverage earnings, reflecting $four.0 million of new guidelines bought during the primary quarter 2016.

    Non-interest expense for the three months ended December 31, 2016 became $321,000 lower than the related length in 2015 primarily as a result of a $229,000 reduce in different real estate owned cost, a $104,000 lessen on salaries and worker merits, and a $114,000 lower in FDIC assurance premiums. other actual property owned expense lowered because of the absence all the way through the 2016 length of writedowns diagnosed all over the fourth quarter 2015. Salaries and worker benefits diminished mostly as a result of a reduce in pension fee. FDIC insurance premiums decreased as a result of a reduction in assessment degrees due to the Reserve Ratio accomplishing 1.15% advantageous June 30, 2016. The Reserve Ratio is the overall of the Deposit insurance Fund divided by the overall estimated insured deposits of the industry.

    Non-activity fee for the year ended December 31, 2016 become $869,000 superior than the comparable length in 2015 primarily because of a $622,000 boost in salaries and worker merits, a $251,000 penalty incurred to pre-pay the high-cost Federal home personal loan financial institution borrowing outlined above, a $135,000 boost in different real property owned cost, and a $191,000 enhance in various contracted functions. Salaries and worker merits expanded essentially because of earnings and wage increases, employees retained from the BNB acquisition, and an increase in the variety of employees in addition to the acquisition. The FHLB increase had an interest rate of 5.25% and was paid off to reduce interest fee on lengthy-term debt. other actual estate owned cost increased primarily because of writedowns identified prior to the sale of the industrial property mentioned above. These raises had been in part offset by way of the absence of merger-connected prices right through the 2016 duration.

    LCNB Corp. is a economic retaining business headquartered in Lebanon, Ohio. through its subsidiary, LCNB countrywide bank (the “bank”), it serves valued clientele and communities in Southwest and South crucial Ohio. A monetary institution with a protracted subculture for constructing powerful relationships with shoppers and communities, the bank presents convenient banking areas in Butler, Clermont, Clinton, Fayette, Hamilton, Sir Bernard Law, Preble, Ross and Warren Counties, Ohio. The bank continually strives to exceed client expectations and provides an array of features for all personal and enterprise banking wants including checking, discount rates, online banking, personal lending, company lending, agricultural lending, enterprise aid, deposit and treasury, funding functions, believe and IRAs and stock purchases. LCNB Corp. common shares are traded on the NASDAQ Capital Market exchange® below the symbol “LCNB.” learn greater about LCNB Corp. at www.lcnb.com.

    definite statements made during this information release concerning LCNB’s fiscal situation, outcomes of operations, plans, goals, future performance and business, are “forward-looking statements” in the that means of part 27A of the Securities Act of 1933, as amended, area 21E of the Securities trade Act of 1934, as amended, and the inner most Securities Litigation Reform Act of 1995. These forward-looking statements are recognized by means of the reality they don't seem to be old facts and consist of phrases corresponding to “assume”, “could”, “may additionally”, “think”, “are expecting”, “trust”, “plan”, and equivalent expressions.

    These forward-looking statements mirror management's current expectations based on all information available to management and its skills of LCNB’s company and operations. moreover, LCNB’s financial condition, effects of operations, plans, ambitions, future performance and business are field to risks and uncertainties that can cause specific outcomes to differ materially. These factors encompass, however are not limited to:

  • the success, impact, and timing of the implementation of LCNB’s enterprise options;
  • LCNB may incur elevated cost-offs in the future;
  • LCNB may additionally face aggressive loss of consumers;
  • alterations in the interest rate environment may have consequences on LCNB’s operations materially diverse from those predicted by using LCNB’s market risk management features;
  • changes in time-honored financial circumstances and extended competitors may adversely have an effect on LCNB’s operating consequences;
  • alterations in other laws and executive guidelines affecting financial institution preserving agencies and their subsidiaries, together with alterations in monetary guidelines, could negatively have an impact on LCNB’s operating consequences;
  • LCNB may also adventure difficulties turning out to be mortgage and deposit balances;
  • the existing financial ambiance poses huge challenges for us and could adversely affect our monetary circumstance and consequences of operations;
  • deterioration in the economic situation of the U.S. banking device might also affect the valuations of investments LCNB has made within the securities of other monetary institutions leading to both exact losses or apart from brief impairments on such investments; and
  • the consequences of the Wall road Reform and customer insurance plan Act (the “Dodd-Frank Act”) and the rules promulgated and to be promulgated thereunder, which might also discipline LCNB and its subsidiaries to numerous new and greater stringent criminal and regulatory requirements which adversely affect their respective agencies.
  • forward-looking statements made herein reflect management's expectations as of the date such statements are made. Such tips is supplied to help shareholders and knowledge buyers in figuring out existing and anticipated economic operations of LCNB and is included pursuant to the secure harbor provisions of the deepest Securities Litigation Reform Act of 1995. LCNB undertakes no obligation to replace any ahead-searching commentary to reflect activities or cases that come up after the date such statements are made.

        LCNB Corp. and Subsidiaries monetary Highlights

    (bucks in lots, except per share amounts)

    (Unaudited)

      Three Months Ended Twelve Months Ended 12/31/2016   9/30/2016   6/30/2016   3/31/2016   12/31/2015 12/31/2016   12/31/2015

    Condensed profits statement

    pastime salary $ 11,226 10,895 eleven,008 10,621 10,812 forty three,750 forty two,659 pastime fee 887   885   883   849   906   three,504   three,328   web interest revenue 10,339 10,010 10,one hundred twenty five 9,772 9,906 forty,246 39,331 Provision for personal loan losses 55   372   396   ninety   380   913   1,366   internet interest revenue after provision 10,284 9,638 9,729 9,682 9,526 39,333 37,965 Non-interest income 2,615 2,846 2,750 2,642 2,600 10,853 10,123 Non-activity fee 7,908   8,593   eight,468   8,292   eight,229   33,261   32,392   earnings before salary taxes four,991 3,891 four,011 four,032 3,897 sixteen,925 15,696 Provision for income taxes 1,337   995   1,043   1,068   1,013   four,443   four,222   net income $ three,654   2,896   2,968   2,964   2,884   12,482   eleven,474   Accreted profits on obtained loans $ 495 223 304 343 292 1,365 2,227 Amortization of received deposit premiums $ 0 0 0 27 34 27 477 Tax-equivalent net pastime income $ 10,772 10,432 10,538 10,166 10,298 41,908 forty,798  

    Per Share information

    Dividends per share $ 0.16 0.sixteen 0.sixteen 0.sixteen 0.16 0.sixty four 0.64 basic profits per share $ 0.37 0.29 0.30 0.30 0.29 1.26 1.18 Diluted earnings per share $ 0.37 0.29 0.29 0.30 0.29 1.25 1.17 e-book cost per share $ 14.30 14.70 14.66 14.39 14.12 14.30 14.12 Tangible publication cost per share $ 10.86 11.24 eleven.17 10.88 10.fifty eight 10.86 10.58 standard fundamental shares astonishing 9,984,344 9,962,571 9,922,024 9,916,114 9,905,612 9,943,795 9,704,965 commonplace diluted shares astonishing 9,997,565 9,977,592 9,943,797 9,998,516 10,014,908 9,981,872 9,811,476 Shares extraordinary at period conclusion 9,998,025 9,993,695 9,937,262 9,931,788 9,925,547 9,998,025 9,925,547  

    chosen monetary Ratios

    Return on usual property 1.10 % 0.87 % 0.ninety two % 0.93 % 0.89 % 0.96 % 0.94 % Return on regular fairness 9.91 % 7.eighty two % 8.28 % 8.37 % eight.07 % 8.60 % 8.forty three % Dividend payout ratio forty three.24 % 55.17 % 53.33 % 53.33 % fifty five.17 % 50.seventy nine % fifty four.24 % internet pastime margin (tax equivalent) three.56 % three.forty two % three.fifty five % three.forty nine % three.forty six % three.fifty one % three.64 % effectivity ratio (tax equivalent) 59.07 % sixty four.seventy one % 63.73 % sixty four.seventy four % 63.eighty % sixty three.04 % 63.sixty one %  

    selected stability Sheet gadgets

    funding securities and inventory $ 368,032 394,798 399,345 393,976 406,981   Loans: business and industrial $ 41,878 40,097 forty five,153 45,324 forty five,275 industrial, secured via real estate 477,275 467,512 455,654 430,179 419,633 Residential actual property 265,788 268,574 266,625 271,812 273,139 buyer 19,173 18,752 18,545 17,925 18,510 Agricultural 14,802 15,872 13,605 12,589 13,479 different, including deposit overdrafts 633 619 635 643 665 Deferred net origination costs 254   236   248   242   237   Loans, gross 819,803 811,662 800,465 778,714 770,938 less allowance for mortgage losses three,575   3,798   three,373   three,150   3,129   Loans, web $ 816,228   807,864   797,092   775,564   767,809     total incomes assets $ 1,188,322 1,222,614 1,201,563 1,one hundred eighty,719 1,178,750 total assets 1,306,799 1,333,536 1,312,635 1,285,922 1,280,531 complete deposits 1,one hundred ten,905 1,158,921 1,124,698 1,a hundred and twenty,208 1,087,one hundred sixty brief-term borrowings 42,040 16,989 30,541 eleven,668 37,387 lengthy-term debt 598 662 726 789 5,947

     

        Three Months Ended Twelve Months Ended 12/31/2016   9/30/2016   6/30/2016   3/31/2016   12/31/2015 12/31/2016   12/31/2015

    chosen steadiness Sheet gadgets, continued

    total shareholders’ equity 142,944 146,906 145,710 142,933 one hundred forty,108 equity to assets ratio 10.94 % 11.02 % eleven.10 % eleven.12 % 10.ninety four % Loans to deposits ratio seventy three.eighty % 70.04 % 71.17 % sixty nine.52 % 70.ninety one %   Tangible normal equity (TCE) $ 108,178 111,946 110,541 107,567 104,529 Tangible usual belongings (TCA) 1,272,033 1,298,576 1,277,466 1,250,556 1,244,952 TCE/TCA eight.50 % 8.sixty two % 8.65 % eight.60 % 8.forty %  

    chosen regular stability Sheet gadgets

    investment securities and inventory $ 380,138 396,620 396,one hundred thirty 389,648 406,423 390,621 366,758   Loans $ 812,537 800,729 784,324 772,204 764,440 792,526 740,626 much less allowance for personal loan losses 3,654   3,382   3,103   three,one hundred thirty   2,929   3,318   2,888   internet loans $ 808,883 797,347 781,221 769,074 761,511 789,208 737,738   complete earning property $ 1,204,360 1,212,232 1,193,585 1,171,709 1,181,594 1,195,541 1,one hundred twenty,081 total assets 1,316,037 1,323,532 1,303,073 1,278,014 1,285,114 1,305,132 1,225,112 total deposits 1,138,740 1,147,981 1,133,403 1,104,330 1,107,214 1,131,179 1,059,095 brief-time period borrowings 20,406 sixteen,328 14,355 20,710 20,290 17,952 15,a hundred and five lengthy-time period debt 620 684 747 1,256 5,970 826 6,177 total shareholders’ equity 146,602 147,371 a hundred and forty four,185 142,447 141,751 a hundred forty five,161 136,one hundred forty five equity to belongings ratio eleven.14 % eleven.13 % eleven.06 % 11.15 % eleven.03 % eleven.12 % 11.11 % Loans to deposits ratio seventy one.35 % sixty nine.seventy five % sixty nine.20 % sixty nine.93 % sixty nine.04 % 70.06 % sixty nine.93 %  

    Asset great

    internet can charge-offs $ 278 (53 ) 173 sixty nine 209 other real estate owned 0 270 682 846 846   Non-accrual loans 5,725 four,619 2,697 3,328 1,723 Loans late 90 days or more and nevertheless accruing 23   20   369   99   559   total nonperforming loans $ 5,748 four,639 3,066 3,427 2,282   net cost-offs to typical loans 0.14 % (0.03 )% 0.09 % 0.04 % 0.eleven % Allowance for loan losses to complete loans 0.forty four % 0.forty seven % 0.42 % 0.40 % 0.forty one % Nonperforming loans to total loans 0.70 % 0.fifty seven % 0.38 % 0.44 % 0.30 % Nonperforming assets to complete assets 0.44 % 0.37 % 0.29 % 0.33 % 0.24 %  

    belongings under administration

    LCNB Corp. complete assets $ 1,306,799 1,333,536 1,312,635 1,285,922 1,280,531 trust and investments (reasonable value) 303,534 293,808 284,118 274,297 283,193 loan loans serviced a hundred,982 one zero five,018 107,189 107,992 111,837 business cash management 9,058 7,647 eight,551 6,773 7,271 Brokerage bills (fair price) 188,663   179,244   163,596   157,713   148,956   complete belongings managed $ 1,909,036   1,919,253   1,876,089   1,832,697   1,831,788    

    Non-GAAP financial Measures

    web earnings $ 3,654 2,896 2,968 2,964 2,884 12,482 11,474 less (add) web benefit (loss) on sales of securities, web of tax eighty two 202 183 245 108 712 327 Add merger-connected charges, net of tax 0   0   0   0   2   0   463   Core net earnings $ three,572 2,694 2,785 2,719 2,778 eleven,770 eleven,610 fundamental core revenue per share $ 0.36 0.27 0.28 0.27 0.28 1.18 1.20 Diluted core earnings per share $ 0.36 0.27 0.28 0.27 0.28 1.18 1.18 Adjusted return on commonplace assets 1.08 % 0.81 % 0.86 % 0.85 % 0.86 % 0.90 % 0.95 % Adjusted return on ordinary fairness 9.sixty nine % 7.27 % 7.77 % 7.sixty six % 7.seventy seven % eight.eleven % eight.53 % Core effectivity ratio (tax equal) fifty nine.57 % 66.24 % 65.09 % 66.sixty seven % sixty four.60 % sixty four.34 % 62.ninety six %       LCNB CORP. AND SUBSIDIARIES CONSOLIDATED CONDENSED stability SHEETS  

    (greenbacks in lots)

      December 31, 2016 December 31, (Unaudited) 2015 property: money and due from banks $ 18,378 14,a hundred and fifty five hobby-bearing demand deposits 487   832   complete cash and money equivalents 18,865 14,987 funding securities: available-for-sale, at reasonable value 320,659 377,978 Held-to-maturity, at charge 41,003 22,633 Federal Reserve bank inventory, at charge 2,732 2,732 Federal home loan bank inventory, at can charge three,638 3,638 Loans, web 816,228 767,809 Premises and gadget, net 30,244 22,a hundred Goodwill 30,183 30,183 Core deposit and different intangibles 4,582 5,396 financial institution owned lifestyles insurance 27,307 22,561 different property eleven,358   10,514   complete assets $ 1,306,799   1,280,531     LIABILITIES: Deposits: Noninterest-bearing $ 271,332 250,306 activity-bearing 839,573   836,854   complete deposits 1,110,905 1,087,160 brief-term borrowings forty two,040 37,387 lengthy-time period debt 598 5,947 accrued activity and other liabilities 10,312   9,929   complete LIABILITIES 1,163,855   1,one hundred forty,423     COMMITMENTS AND CONTINGENT LIABILITIES — —   SHAREHOLDERS' fairness: favorite shares – no par cost, authorized 1,000,000 shares, none spectacular — —

    normal shares – no par price, approved 19,000,000 and 12,000,000 shares atDecember 31, 2016 and December 31, 2015, respectively; issued 10,751,652 and10,679,174 shares at December 31, 2016 and December 31, 2015, respectively

    seventy six,490 seventy six,908 Retained profits eighty,736 74,629 Treasury shares at cost, 753,627 shares at December 31, 2016 and December 31, 2015 (11,665 ) (eleven,665 ) amassed different complete revenue, net of taxes (2,617 ) 236   complete SHAREHOLDERS' equity 142,944   a hundred and forty,108   complete LIABILITIES AND SHAREHOLDERS' equity $ 1,306,799   1,280,531       LCNB CORP. AND SUBSIDIARIES CONSOLIDATED CONDENSED STATEMENTS OF profits

    (dollars in hundreds, apart from per share information)

    (Unaudited)

      Three Months Ended Twelve Months Ended December 31, December 31, 2016   2015 2016   2015 hobby profits: hobby and fees on loans $ 9,205 eight,713 35,600 35,285 activity on investment securities – Taxable 1,054 1,214 4,582 four,197 Non-taxable 834 761 3,199 2,848 different short-time period investments 133   124   369   329 total hobby profits eleven,226   10,812   43,750   forty two,659 pastime fee: pastime on deposits 875 822 three,440 three,009 hobby on short-time period borrowings 8 eleven 38 24 hobby on lengthy-term debt 4   73   26   295 total hobby price 887   906   three,504   3,328 internet hobby profits 10,339 9,906 forty,246 39,331 PROVISION FOR mortgage LOSSES 55   380   913   1,366 net pastime salary AFTER PROVISION FOR loan LOSSES 10,284   9,526   39,333   37,965 NON-hobby revenue: have confidence revenue 815 856 three,286 3,262 service fees and costs on deposit money owed 1,296 1,265 5,008 four,920 net benefit (loss) on sales of securities one hundred twenty five 163 1,082 495 bank owned life insurance revenue 193 155 746 625 features from earnings of loans sixty nine fifty five 244 343 different working salary 117   106   487   478 complete NON-activity income 2,615   2,600   10,853   10,123 NON-hobby rate: Salaries and employee advantages 4,478 four,582 18,215 17,593 device charges 281 343 1,048 1,257 Occupancy rate, internet 564 558 2,271 2,307 State franchise tax 278 248 1,114 1,001 advertising 166 161 696 720 Amortization of intangibles 189 a hundred ninety 753 seven hundred FDIC coverage premiums fifty two 166 547 598 shrunk capabilities 283 213 1,033 842 different true estate owned 17 246 624 489 Merger-connected costs — 2 — 643 different non-activity fee 1,600   1,520   6,960   6,242 total NON-activity expense 7,908   eight,229   33,261   32,392 revenue earlier than income TAXES four,991 three,897 16,925 15,696 PROVISION FOR revenue TAXES 1,337   1,013   4,443   4,222 web salary $ three,654   2,884   12,482   11,474   Dividends declared per normal share $ 0.sixteen 0.sixteen 0.sixty four 0.sixty four revenue per typical share: fundamental 0.37 0.29 1.26 1.18 Diluted 0.37 0.29 1.25 1.17 Weighted common usual shares fantastic: simple 9,984,344 9,905,612 9,943,795 9,704,965 Diluted 9,997,565 10,014,908 9,981,872 9,811,476


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    Lotus 190-753 Exam (Using JavaScript in IBM Lotus Domino 7 Applications) Detailed Information



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