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920-807 - Nortel Unified Communications Solutions: Business & Technology Fundamentals - BrainDump Information

Vendor Name : Nortel
Exam Code : 920-807
Exam Name : Nortel Unified Communications Solutions: Business & Technology Fundamentals
Questions and Answers : 56 Q & A
Updated On : June 22, 2018
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920-807 exam Dumps Source : Nortel Unified Communications Solutions: Business & Technology Fundamentals

Test Code : 920-807
Test Name : Nortel Unified Communications Solutions: Business & Technology Fundamentals
Vendor Name : Nortel
Q&A : 56 Real Questions

Nortel Unified Communications Solutions:

Nortel To build IP Communications network At CSIA | killexams.com Real Questions and Pass4sure dumps

Mumbai foreign Airport inner most restrained (MIAL) has chosen Nortel to construct one of the vital extensive IP communications networks ever deployed by using a world airport in India.

Mumbai's Chhatrapati Shivaji international Airport (CSIA), managed via MIAL, plans to consolidate the majority of its facts, telephony and video techniques onto a converged wired and instant IP-based network, powered by Nortel enterprise solutions and its Metro Ethernet-based mostly provider spine Bridging (PBB) and provider spine Transport (PBT) technologies. As an extended time period technology associate to MIAL, Tata Consultancy features (TCS) will deliver techniques integration for the converged triple-play communications improve undertaking.

When achieved, the new wired and wireless infrastructure will supply community coverage throughout the airport terminal constructions and out of doors maintenance areas. Airport operations and client provider personnel could be enabled to experience elevated productivity by using leveraging unified communications capabilities corresponding to SIP-based presence, IM, collaboration, conferencing and messaging.

"This overhaul is a part of MIAL's long-time period programme aimed at expanding the potential at CSIA and making communications as seamless as feasible for anyone who visits or works at the airport," observed GV Sanjay Reddy, managing director, MIAL.

The CSIA network infrastructure will be in line with the Nortel Metro Ethernet community portfolio's Optical Metro 5200 DWDM multi-provider platform and Metro Ethernet Routing swap 8600 platform with PBB and PBT options.

CSIA will improvement from a suite of Nortel's enterprise options together with Unified Communications from the Nortel and Microsoft creative Communications Alliance, and Nortel converged IP Telephony solutions. From Nortel's commercial enterprise data Networking portfolio, CSIA will also benefit from Nortel's commercial enterprise safety, application Switching and VPN options. The airport LAN should be powered by using Nortel's Ethernet Routing switch 8600 platform with Nortel's split Multi-hyperlink Trunking (SMLT) expertise to support cozy all the time-on Networking and the airport's WiFi network will run on Nortel's instant LAN options. Nortel's Self service Portfolio will allow multimedia transaction processing.


New Polycom Immersive Telepresence provider application Ensures World-class service From certified companions | killexams.com Real Questions and Pass4sure dumps

PLEASANTON, CA -- (Marketwire) -- 10/22/09 -- Polycom, Inc. (NASDAQ: PLCM), the world chief in telepresence, video and voice communication options, today announced a new certification program for partners that offer managed community features, also known as Video community Operations middle (VNOC) services, for Polycom immersive telepresence options. The Polycom Immersive Telepresence VNOC provider company Certification software facets the business's most stringent necessities to be certain quality and reliability of services and the most beneficial consumer experience for valued clientele.

The software elements each "licensed" and "advanced certified" requirements. The "certified" program offers partners with the abilities and capabilities to deliver and guide immersive telepresence VNOC provider choices. licensed TVP partners ought to attend intensive VNOC technical and ideal observe practising, in addition to meet lab and training necessities. Polycom "advanced certified" partners ought to additionally complete superior lab and practicing necessities, adhere to application governance and comprehensive operational audits supported by way of Polycom.

Polycom reseller companions BT and Nortel have finished Polycom's highest certifications for telepresence service and reseller reputation with Polycom superior licensed Immersive Telepresence VNOC provider issuer status, and Polycom Telepresence certified Plus reseller repute. Polycom reseller partner AVI-SPL has carried out Polycom superior certified Immersive Telepresence VNOC service issuer repute, and Polycom Telepresence certified reseller popularity.

in addition, Polycom VNOC birth partners Glowpoint and Iformata Communications have additionally completed Polycom superior certified Immersive Telepresence VNOC carrier company fame.

The program ensures clients that certified channel and birth partners have achieved rigorous product training; have the competencies and capabilities for troubleshooting, trying out, improve and replace verification; have tighter integration with Polycom world features; have coordinated access to Polycom engineering teams in help of VNOC provider start; have accomplished an entire method audit, guaranteeing compliance with all Polycom-described necessities; and utilize proven and particular Polycom commonplace operational tactics in assist of Polycom immersive telepresence solutions and VNOC functions.

Polycom Immersive Telepresence VNOC service company partners additionally get hold of early entry to new products and product enhancements to be certain seamless help as new items and capabilities come to market.

corporations of all sizes and throughout industries are adopting visible communication to allow individuals and teams to work more without difficulty and correctly throughout distances both within and across companies, which could lead to decreased operating charges by means of changing the should shuttle and reduced trip-linked carbon emissions. The price of the video conferencing market is determined to publish a compound annual growth price (CAGR) of 17.8 percent between 2008 and 2013, rising from $3.eight billion to $8.6 billion according to Gartner, Inc.(1)

aiding fees:

Geno Alissi, Senior vp and conventional supervisor, global capabilities, Polycom

"The Polycom Immersive Telepresence VNOC carrier provider Certification program establishes finished requirements that make sure purchasers acquire world-class immersive telepresence VNOC service first-rate and support from our certified partners."

Ron Myers, vice chairman of Channels, Polycom

"visual communications presents massive opportunities for qualified channel companions. Polycom believes we are at the forefront of broad-scale adoption, and Polycom licensed partners are neatly placed to capitalize on this growing market opportunity. With solutions like telepresence, partners can assist seriously change how their consumers function and expand what's possible of their corporations, whereas on the identical time offering fast ROI by reduce go back and forth fees and go back and forth-connected carbon emissions."

Jeff Prestel, widely wide-spread supervisor, BT Conferencing, Video company Unit

"We're blissful to be a Polycom superior licensed Immersive Telepresence VNOC carrier companion and provide purchasers with a number of BT immersive services that simplify communications and innovate enterprise practices. With the actual-life have an impact on of telepresence and BT's capabilities and aid tools, consumers can effortlessly expand their world reach, shorten company cycles and achieve unprecedented return on investment."

Jenna Stanley, customary manager, services and solutions, Nortel

"For Nortel, video is a core pillar of unified communications and we continue to see customer demand for expert carrier and managed service presents that span each video and voice applications. earning the new Polycom superior licensed Immersive Telepresence VNOC provider provider popularity demonstrates our continued funding and commitment to providing video functions and options. Our VNOC capabilities carry proven value to our clients and case reviews exhibit a standard 300 p.c boost in client internal video conferencing use and as a great deal as a tenfold boost in external company-to-business use."

Michael Brandofino, executive vice president, Video and Unified Communications, AVI-SPL

"In recent months we've considered a pointy increase in interest from our purchasers who are looking for a professional single source provider of immersive telepresence for gadget, renovation and VNOC services. As a Polycom superior licensed Immersive Telepresence VNOC carrier company and Polycom Telepresence certified Reseller, AVI-SPL is capable of give a global category answer to our shoppers because we've made the investment in superior certification capabilities with Polycom."

Jonathan Brust, vice president of advertising, Glowpoint

"attaining Polycom superior certified Immersive Telepresence VNOC provider provider repute is core to our full provider "video within the cloud" method, which presents consumers a seamless way to entry our convenient-to-use managed features -- i.e., shared infrastructure MCU's and Gateway's -- and B2B connectivity with confined capital outlays. This additional strengthens Glowpoint's means to support telepresence and video clients join each time and to whoever they need to attain on any technology or community, and in the end expand their use video. Our full suite of capabilities are conveniently available and all delivered in a carrier-grade, totally cozy and legit method."

Brian Kinne, executive vp, Iformata Communications

"With the persevered growth of video verbal exchange tools, supplies and capabilities we're overjoyed to participate in and be identified by using Polycom as a Polycom superior licensed Immersive Telepresence VNOC provider provider providing world-classification managed services. Our business continues to peer light-speed adoption on a global scale, which validates our boom method."

About Polycom Telepresence

-- Polycom telepresence provides a natural, high-definition visual verbal exchange adventure that allows for individuals to collaborate extra readily throughout distances. -- Polycom telepresence solutions are in accordance with dependent video conferencing necessities and interoperate natively with more than two-million video conferencing and telepresence methods in use today. -- Polycom offers the broadest range of completely interoperable telepresence options to satisfy shoppers' various application, area and funds necessities. Polycom options can also be deployed within any unified communications (UC) atmosphere and have integration with main UC platforms from Microsoft, IBM, Avaya, Nortel, BroadSoft and others. -- Polycom is the industry leader in telepresence, having shipped extra than 50,000 telepresence solutions through Q2 2009. Polycom has main market share for the whole put in video communication market (forty one p.c) and leading market share for gadgets shipped for the first half of 2009 (35 %) (Wainhouse analysis, Sept. 2009). -- Polycom telepresence customers encompass business leaders in business, enjoyment, education, economic functions, healthcare and govt. Examples consist of: Turner Broadcasting systems, Georgetown school, NASDAQ, Duke school, Amgen, NATO, Atari, Massachusetts familiar, Regus, Zurich financial, countrywide defense institution, Oklahoma army country wide guard, and defense Acquisition institution.

assisting hyperlinks:

-- Polycom Telepresence home web page website

-- Polycom Telepresence Overview Video

-- View Polycom Telepresence pictures on Flickr

-- observe Polycom on Twitter

-- Subscribe to Polycom information RSS

recent announcements:

-- NATO Armed with Polycom Telepresence for global Collaboration

-- increased Polycom Infrastructure solution Helps companies liberate benefits of visual communication

-- 7 Habits author, Stephen Covey, Transported any place, every time with Polycom Telepresence

About Polycom

Polycom, Inc. (NASDAQ: PLCM) is the world chief in telepresence, video, and voice options and a visionary in communications that empower people to connect and collaborate everywhere. seek advice from www.polycom.com for greater counsel and follow us on Twitter @AllAboutPolycom.

(1) - Gartner, Inc. "Dataquest perception: Videoconferencing items and services Market Forecast, global, 2007-2013," September 28, 2009, id# G00171041

© 2009 Polycom, Inc. All rights reserved. POLYCOM®, the Polycom "Triangles" brand and the names and marks associated with Polycom's products are trademarks and/or service marks of Polycom, Inc. and are registered and/or ordinary legislation marks within the u.s. and a lot of other nations. All different trademarks are property of their respective owners.

photograph attainable: http://www2.marketwire.com/mw/frame_mw?attachid=1094943

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Nortel Demonstrates Unified Communications over 4G WiMAX | killexams.com Real Questions and Pass4sure dumps

by means of offering provider-hosted unified communications capabilities, carriers can be in a position to simplify company for SMBs and agencies devoid of the resources to hold superior communique capabilities in condo. more and more contraptions are being connected to the community, making entry to communications tools for employees further and further advanced. Nortel’s suite of unified communications options provides a single, presence-enabled interface to all forms of office communications, including voicemail, mobile, in addition to electronic mail and quick messaging addresses—leading to simplified communications which raise productiveness.

however Nortel’s converged workplace solution remains within the trial phase, it’s expected to be added to the market by end of year. The joint Nortel/Microsoft answer makes it possible for agencies to advantage from unified communications devoid of the drawbacks concerned with paying for, installing and managing extra network resources

seek Nortel’s demonstration of unified communications over WiMAX at Nortel’s WiMAX World u . s . a . sales space. it all happens in Chicago on September 26 and 27.

remember to try TMCnet’s White Paper Library, which provides a range of in-depth assistance on important themes affecting the IP Communications business. The library offers white papers, case experiences and different documents which can be free to registered clients.


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920-807 exam Dumps Source : Nortel Unified Communications Solutions: Business & Technology Fundamentals

Test Code : 920-807
Test Name : Nortel Unified Communications Solutions: Business & Technology Fundamentals
Vendor Name : Nortel
Q&A : 56 Real Questions

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920-807

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green Lake Renewal volunteers collect to revitalize green Lake | killexams.com real questions and Pass4sure dumps

special to motion Publications, united states these days network-Wisconsin posted 9:32 a.m. CT June 6, 2018

eco-friendly Lake Renewal executive Director Kate Salas speaks concerning the corporation's upcoming initiatives and volunteer alternatives.(picture: Courtesy of eco-friendly Lake Renewal)

green LAKE - Over 50 participants and friends of the green Lake neighborhood confirmed guide on the annual Renew Crew cocktail birthday party, hosted by using eco-friendly Lake Renewal Board member Jo Ellen Madden and Ambassador Joan Lloyd, on the Midtown Lounge above Guth’s candy in Downtown green Lake lately. 

“We are looking to thank everybody who came to help and be trained greater about eco-friendly Lake Renewal’s initiatives,” mentioned Jorge Gutierrez of eco-friendly Lake Renewal. “a distinct thanks goes out to Steve and Mary Guth for internet hosting us at Midtown Lounge, Bliss Catering for the appetizers, and Joan Lloyd and Jo Ellen Madden for throwing an extra a hit Renew Crew celebration.”

connected: eco-friendly Lake County guests spent $39 million in 2017

connected: June Dairy Days events planned in Fond du Lac enviornment

The event recognized eco-friendly Lake Renewal’s volunteers, provided more opportunities for volunteering and raffled a one-month membership to eco-friendly Lake health 24/7, a one-hour message by using Tiana at town rectangular, and a eco-friendly Lake Tote bag from DISH.

Renew Crew birthday celebration Host and eco-friendly Lake Renewal Board Member Jo Ellen Madden welcomes guests backyard of Guth's sweet in Downtown eco-friendly Lake. (photograph: Courtesy of green Lake Renewal)

Volunteer opportunities range from participating within the planning and execution of programs, to working the front desk on the city rectangular community core. For extra assistance on becoming a member of the Renew Crew, call 920-807-0008 or email at info@greenlakerenewal.org. 

eco-friendly Lake Renewal is the 501(c)three nonprofit neighborhood revitalization company that operates the town rectangular neighborhood core, green Lake health 24/7 and the green Lake Kitchens and Hill road Station enterprise incubators.

advice submitted through eco-friendly Lake Renewal.

examine or Share this story: https://fondul.ac/2JjqUhJ


Deer Harvest Numbers for Illinois | killexams.com real questions and Pass4sure dumps

via Don Dziedzina, November 13, 2013 at 3:27 pm

Deer Harvest Numbers for Illinois "outstanding searching isn't that distant" tm

listed below are the harvest quantity for deer taken through archery hunters here in Illinois through Monday, November 11, 2013.

Illinois archery deer hunters harvested a preliminary total of 36,645 deer. Preliminary harvest during the equal length final 12 months became 41,021. Rainfall on Tuesday and Wednesday last week dampened efforts on those days, however harvest rebounded smartly later in the week. practically 5,000 deer were taken on Saturday/Sunday.

complete harvest up to now has consisted of fifty three% does and forty seven% adult males (19568; 17077), youngsters buck harvest throughout the past week rose to about sixty three%. good five counties were Pike (1646), Fulton (1057), Jefferson (898), Adams (807), and JoDaviess (767).

Preliminary Illinois archery deer harvest via November eleven County 2012 2013 Adams 920 807 Alexander 132 a hundred and five Bond 261 240 Boone 88 108 Brown 650 509 Bureau 585 461 Calhoun 521 460 Carroll 498 415 Cass 461 337 Champaign 287 251 Christian 313 302 Clark 570 478 Clay 353 309 Clinton 251 274 Coles 424 342 cook dinner seventy eight seventy five Crawford 525 439 Cumberland 283 221 DeKalb 134 122 DeWitt 354 346 Douglas 126 ninety four Dupage 18 19 Edgar 334 297 Edwards a hundred and twenty 120 Effingham 323 242 Fayette 508 467 Ford 49 forty Franklin 547 535 Fulton 1366 1057 Gallatin a hundred and fifty five 158 Greene 548 471 Grundy 285 221 Hamilton 289 301 Hancock 479 477 Hardin 275 221 Henderson one hundred seventy 147 Henry 381 307 Iroquois 343 292 Jackson 526 603 Jasper 403 279 Jefferson 924 898 Jersey 385 352 JoDaviess 846 767 Johnson 380 429 Kane 189 a hundred and seventy Kankakee 210 221 Kendall 168 149 Knox 669 607 Lake 234 206 LaSalle 674 566 Lawrence 251 245 Lee 329 335 Livingston 240 194 Logan 182 185 Macon 301 331 Macoupin 624 584 Madison 746 570 Marion 748 622 Marshall 258 221 Mason 237 207 Massac 182 191 McDonough 334 322 McHenry 418 359 McLean 434 373 Menard 227 195 Mercer 295 288 Monroe 242 203 Montgomery 508 415 Morgan 384 325 Moultrie 187 196 Ogle 553 500 Peoria 837 628 Perry 426 408 Piatt 122 128 Pike 1867 1646 Pope 560 508 Pulaski 143 one hundred thirty five Putnam 217 167 Randolph 584 586 Richland 273 209 Rock Island 439 468 Saline 270 274 Sangamon 521 442 Schuyler 625 521 Scott 187 one hundred twenty five Shelby 501 471 St. Clair 421 366 Stark a hundred thirty 94 Stephenson 347 322 Tazewell 521 399 Union 449 505 Vermilion 671 648 Wabash 132 117 Warren 189 157 Washington 267 289 Wayne 522 445 White 338 286 Whiteside 382 357 Will 505 552 Williamson 539 570 Winnebago 309 269 Woodford 435 378 Grand whole41021 36645

Howard Bancorp, Inc. Reaches Milestone of $1 Billion in Asset dimension With income boom and improved Returns | killexams.com real questions and Pass4sure dumps

ELLICOTT metropolis, Md.--(business WIRE)--Howard Bancorp, Inc. (Nasdaq: HBMD) (the “enterprise”), the guardian company of Howard bank (the “financial institution”), these days suggested its financial outcomes for the three month and 9 month periods ended September 30, 2016.

A abstract of outcomes for the three and 9 month periods ended September 30, 2016 is as follows:

  • total assets grew to a bit of over $1.0 billion at September 30, 2016, representing increase of $sixty eight million, or 7%, from property of $947 million at December 31, 2015 and over $ninety million, or 10%, over property of $924 million at September 30, 2015. complete loans held in our portfolio extended $fifty seven million, or 7%, from $760 million at December 31, 2015 and by means of pretty much $61 million, or 8%, from $756 million at September 30, 2015, to $817 million at September 30, 2016. This increase in each complete property and loans became derived completely from organic actions because the pronounced September 30, 2015 tiers consist of the influence of our acquisition of Patapsco Bancorp, Inc. (“Patapsco”) within the third quarter of 2015.
  • net earnings accessible to common shareholders improved to $four.2 million for the primary 9 months of 2016 in comparison to $562 thousand within the first 9 months of 2015, representing a rise of $3.6 million or over 600%. salary per usual share (EPS) for the 9 months of 2016 have been $0.60 in comparison to $0.09 for a similar nine month period in 2015, representing a rise of over 500%. The profits for the first nine months of 2015 have been impacted by using merger connected expenses of $3.three million concerning the Patapsco acquisition. aside from the $3.three million in merger charges for 2015, the 2015 earnings earlier than taxes would have been $four.7 million, which in comparison to the pretty much $6.8 million income earlier than taxes for the same 9 month duration in 2016 reflects an improvement in core revenue of $2.1 million or 44% for the 2016 length.
  • web profits purchasable to regular shareholders for the quarter ended September 30, 2016 was $1.7 million, or $0.25 per share, in comparison to $1.5 million, or $0.22 per share, for the 2nd quarter of 2016 and a lack of $816 thousand for the three months ended September 30, 2015.
  • basically because of improved salary, our tangible e-book value per share increased via $0.eighty five or 8% from $10.87 per share at September 30, 2015 to $11.seventy two per share at September 30, 2016.
  • In can also of 2016, Howard Bancorp used borrowed funds to redeem the $12.6 million of its SBLF favourite stock issued to the U.S. Treasury in 2011, which reduced total capital ranges however didn't impact complete common equity. subsequently, each complete capital and complete average fairness were $eighty four.9 million at September 30, 2016 compared to total capital of $ninety two.1 million and complete usual fairness of $79.5 million at September 30, 2015.
  • Chairman and CEO Mary Ann Scully stated, “The third quarter of 2016 naturally evidences the success and sustainability of our organic loan origination engine, with out the impact of newly obtained boom. we're pleased to reveal the skill to invariably expand no longer best our stability sheet but additionally enrich our return on assets, return on equity and effectivity measures. The working leverage done in the third quarter, with 19% salary increase versus 5% core expense increase, led to these improved returns. in addition to seeing stronger returns linked to enhanced scale, the enterprise continues to take a long-time period view and make investments in the one of the most most alluring markets within the country and in attracting experienced skill to our industrial and loan loan origination and branch delivery activities. We predict to peer the fruits of these core strategic activities proceed to grow our tangible book cost and position us for future growth in our market valuation as well as expertise acquisition alternatives. We also accept as true with that we'll see endured organic mortgage growth funded with the aid of most economical deposits and multiplied loan banking activities generating non-activity revenue to aid offset margin compressions right through the continuation of a protracted low pastime price atmosphere. we're, as all the time, grateful to all of our stakeholders for assisting and enabling these successes and continue to be relentlessly dedicated to serving those stakeholders because the ‘go to industrial financial institution’ in improved Baltimore.”

    For the primary nine months of 2016, the business reported net hobby profits of $25.7 million compared to $21.2 million for the primary 9 months of 2015, an increase of approximately $four.4 million or 21%. This was driven essentially by way of a $5.6 million, or 24% raise in complete interest revenue for the primary 9 months of 2016 as a result of continued boom in our loan portfolio regular balances. Given the continued increase in deposits and borrowing tiers, the enterprise recorded a rise in complete pastime price of $1.2 million or 54% for the primary nine months of 2016 versus the same duration in 2015. The fifty four% enhance in hobby rate in comparison to the 24% increase in interest profits is partially brought on by the redemption of the SBLF preferred inventory. The favored stock included a quarterly dividend payment, consequently it become now not a part of our pastime rate. The redemption of the preferred inventory turned into funded by means of a rise in protecting business borrowings. These additional borrowings have activity payments and are a component of our normal hobby fee. As anticipated, this additionally had an influence on our net interest margin, which experienced modest declines for both the 9 month duration and the third quarter when evaluating 2016 to 2015.

    in addition to the boom in web pastime income, there became an increase in noninterest revenue for the primary 9 months of 2016 in comparison to the equal period in 2015. complete noninterest profits for the primary 9 months of 2016 turned into $11.8 million, which represents an increase of $2.8 million, or 31%, from $9.0 million within the first nine months of 2015. The greatest raise in noninterest profits turned into from our personal loan banking actions, which generated profits from fees and gains on income of loan loans totaling $9.4 million for the first 9 months of 2016, compared to $7.5 million for a similar period in 2015, representing an increase $1.9 million, or 26%. the first nine months of 2016 additionally benefitted from the sale of an received impaired mortgage, which resulted in a benefit of approximately $675 thousand that become recorded in the second quarter of 2016.

    Provision for credit losses changed into $1.3 million for the nine months ended September 30, 2016 in comparison to $1.0 million for the same period in 2015. This increase is essentially as a result of the continuing boom in our personal loan portfolio, in addition to some selected quantities required from our ongoing monitoring of stricken credits.

    total noninterest prices grew to $29.four million for the primary 9 months of 2016 compared to complete noninterest expenses of $27.9 million for the first nine months of 2015, a rise of $1.5 million or 6%, and also compares to non-merger linked noninterest prices of $24.6 million for the first nine months of 2015, an increase of $4.8 million or 20%. approximately $1.9 million of this increase turned into in the compensation class, which grew sixteen% when evaluating the first 9 months of 2016 versus the same length in 2015. The expanded compensation costs resulted from the raise within the variety of places we function, the outcomes of efficaciously attracting a large business loan origination team and the bigger infrastructure resulting from the Patapsco acquisition in addition to carrying on with organic increase in both portfolio and loan originations. apart from the extended compensation expenses, occupancy-connected charges extended through $815 thousand or 29% for a similar explanations. These two categories accounted for $2.7 million or fifty seven% of the 2016 versus 2015 raise. The remaining net $2.1 million enhance in prices in different rate classes are generally additionally related to our basic increase and growth.

    while the ratio of total fairness to complete assets fell from 9.96% at September 30, 2015 to 8.37% at September 30, 2016, mostly influenced via our redemption of the SBLF favorite inventory, the ratio of our commonplace fairness to total property declined from eight.60% to 8.37% given the boom in property. All of our regulatory capital ratios proceed to be neatly in extra of the degrees that categorize us as a neatly-capitalized financial institution.

    Our asset fine measures continue to continue to be an incredible center of attention of consideration for management and the Board of directors. probably the most enterprise’s basic measures of asset first-rate is the ratio of non-performing belongings to complete belongings. This asset satisfactory measure decreased to 1.18% at September 30, 2016, from 1.35% at December 31, 2015 and became somewhat above the June 30, 2016 ratio of 1.eleven%. while OREO degrees were particularly unchanged, September 30, 2016 non-performing loans of $9.4 million lowered via $987 thousand in comparison to December 31, 2015, and have been modestly bigger than the $eight.7 million in non-performing loans at June 30, 2016.

    Statements blanketed in this press release include non-GAAP monetary measures and should be read along with the accompanying tables, which give a reconciliation of non-GAAP monetary measures to GAAP fiscal measures. Such non-GAAP fiscal measures include income before taxes aside from merger expense (“core income”) and non-merger related noninterest expenses, each of which exclude the $three.three million in merger linked fees incurred during the nine months ended September 30, 2015. administration believes that these non-GAAP fiscal measures give advantageous assistance that enables readers to consider the company’s ongoing efficiency by way of evaluating outcomes of its enterprise operations, and that these measures supply meaningful assessment to the operations of the enterprise’s peers. Non-GAAP economic measures may still not be considered as a substitute for any measure of performance or economic condition as promulgated under GAAP, and investors should agree with the enterprise’s efficiency and fiscal condition as said below GAAP and all different relevant suggestions when assessing the efficiency or economic condition of the company. Non-GAAP financial measures have obstacles as analytical tools, and traders may still no longer trust them in isolation or as an alternative choice to analysis of the effects or financial circumstance as pronounced below GAAP.

    The statements in this press unlock concerning persevered increase in tangible publication value, future boom in market valuation and knowledge acquisition opportunities, endured biological loan boom funded by means of inexpensive deposits and expanded loan banking actions, constitute ahead-searching statements, as that term is defined by the deepest Securities Litigation Reform Act of 1995 or the Securities and change fee in its guidelines, laws, and releases. The business intends that such ahead-looking statements be discipline to the protected harbors created thereby. Such forward-looking statements are in line with latest beliefs and expectations and are field to dangers and uncertainties that could trigger specific results to vary materially from future effects expressed or implied by such forward-looking statements. Such hazards and uncertainties encompass, but don't seem to be confined to, future declines in true estate values, deterioration in everyday financial situations, both nationally or in our market enviornment (together with on account of the pending exit of the UK from the european Union), or a return to recessionary conditions, alterations in the interest fee atmosphere that in the reduction of our margins, the fair value of our fiscal contraptions or the demand for loans, and adjustments in laws or government laws or guidelines affecting monetary associations, in addition to different hazards and uncertainties, as described within the business’s Annual document on kind 10-ok for the 12 months ended December 31, 2015 as filed with the Securities and exchange fee and in different filings the company can also make. for this reason, specific consequences may vary from these expressed within the forward-searching statements, and the making of such statements should not be viewed as a illustration with the aid of the company or any other grownup that results expressed therein may be completed. The business does not undertake, and especially disclaims any duty, to publicly unlock the outcomes of any revisions that can be made to any ahead-searching statements to reflect pursuits or circumstances after the date of such statements or to replicate the incidence of predicted or unanticipated pursuits.

    additional information is purchasable at www.howardbank.com.

              HOWARD BANCORP, INC.   9 months ended Three months ended (bucks in lots, except per share facts.) September 30, Sept 30 Jun 30 Sept 30 revenue observation facts: 2016 2015 2016

    2016

    2015 hobby profits $ 28,989 $ 23,399 $ 9,824

    $

    9,553

    $ 8,489 interest price   3,323     2,151     1,176    

    1,178

        807   internet hobby earnings 25,666 21,248 eight,648

    8,375

    7,682 Provision for credit losses 1,302 1,015 402

    515

    230 Noninterest salary eleven,806 9,043 4,384

    4,570

    three,256 Merger and Restructuring - three,303 -

    -

    2,166 other noninterest price   29,417     24,571     9,880    

    9,861

        9,434   Pre-tax salary/(loss)   6,753     1,402     2,750    

    2,569

        (892 ) Federal and state salary tax fee/(benefit)   2,404     746     1,002    

    927

        (107 ) web revenue/(loss)   4,349     656     1,748    

    1,642

        (785 ) favorite inventory dividends   166     ninety four     0    

    110

        31   net earnings/(loss) accessible to common shareholders $ four,183   $ 562   $ 1,748  

    $

    1,532

      $ (816 )   Per share facts and shares incredible: internet income/(loss) per general share, simple $ 0.60 $ 0.09 $ 0.25

    $

    0.22

    $ (0.13 ) publication value per normal share at length end $ 12.15 $ eleven.forty nine $ 12.15

    $

    eleven.ninety

    $ 11.forty nine Tangible book value per standard share at duration conclusion $ eleven.72 $ 10.87 $ 11.72

    $

    11.forty five

    $ 10.87 standard normal shares stunning 6,970,714 5,897,325 6,985,559

    6,970,876

    6,493,987 Shares magnificent at length end 6,988,180 6,921,378 6,988,a hundred and eighty

    6,978,217

    6,921,378   monetary condition data: complete belongings $ 1,014,787 $ 924,493 $ 1,014,787

    $

    988,818

    $ 924,493 Loans receivable (gross) 816,590 755,500 816,590

    797,146

    755,500 Allowance for credit score losses (5,634 ) (4,317 ) (5,634 )

    (5,744

    )

    (4,317 ) other interest-incomes property one hundred forty four,478 115,890 a hundred and forty four,478

    137,785

    a hundred and fifteen,890 total deposits 803,773 742,766 803,773

    798,118

    742,766 Borrowings 119,906 80,559 119,906

    101,373

    eighty,559 total stockholders’ equity eighty four,892 ninety two,080 eighty four,892

    eighty three,068

    92,080 usual fairness eighty four,892 seventy nine,518 84,892

    83,068

    seventy nine,518   usual assets $ 959,835 $ 735,919 $ 966,783

    $

    974,355

    $ 808,324 general stockholders' equity 86,760 70,618 eighty two,199

    85,922

    eighty five,611 common commonplace stockholders' equity eighty,983 58,056 eighty two,199

    eighty one,091

    seventy three,049   selected efficiency ratios: Return on standard assets 0.sixty one % 0.12 % 0.seventy two %

    0.68

    %

    (0.39 )% Return on normal average fairness 7.17 % 1.24 % 8.forty six %

    eight.12

    %

    (three.sixty four )% net interest margin(1) three.seventy eight % 4.06 % three.76 %

    3.sixty six

    %

    3.ninety four % effectivity ratio(2) 78.50 % 92.02 % 75.81 %

    76.18

    %

    106.05

    %

      Asset excellent ratios: Nonperforming loans to gross loans 1.15 % 1.07 % 1.15 %

    1.09

    % 1.07 % Allowance for credit score losses to loans 0.sixty nine % 0.57 % 0.sixty nine %

    0.72

    % 0.fifty seven % Allowance for credit score losses to nonperforming loans 60.04 % 53.30 % 60.04 %

    65.90

    % fifty three.30 % Nonperforming assets to loans and other actual estate 1.forty six % 1.30 % 1.forty six %

    1.38

    % 1.30 % Nonperforming assets to total belongings 1.18 % 1.07 % 1.18 %

    1.11

    % 1.07 %   Capital ratios: Leverage ratio 8.55 % 11.16 % 8.fifty five %

    8.36

    %

    eleven.sixteen % Tier I possibility-primarily based capital ratio 9.65 % 11.fifty six % 9.65 %

    9.70

    % eleven.56 % complete chance-based mostly capital ratio 10.71 % 12.12 % 10.seventy one %

    10.eighty

    % 12.12 % general fairness to common property 9.04 % 9.60 % eight.50 %

    8.82

    % 10.fifty nine %  

    (1)

     

    net hobby margin is internet activity income divided by normal incomes belongings.

    (2)

    effectivity ratio is noninterest fee divided through the sum of web interest salary and noninterest revenue.

                Unaudited Consolidated Statements of fiscal condition length ENDED (greenbacks in heaps, except per share amounts) Sept 30, June 30, March 31, December 31, September 30, 2016 2016 2016 2015 2015 assets: money and money Equivalents: money and due from banks $ 33,553 $ 24,618 $ 50,725 $ 31,071 $ 16,517 activity-bearing deposits   29,838     8,190     4,246     7,269     1,830   total cash and money equivalents   sixty three,391     32,808     54,971     38,340     18,347     investment Securities: attainable-for-sale 37,718 fifty seven,693 70,150 49,573 39,178 Federal domestic loan financial institution inventory, at charge   four,741     three,934     3,849     four,163     3,185   complete funding securities   forty two,459     sixty one,627     seventy three,999     fifty three,736     42,363     Loans held-for-sale forty six,342 51,010 forty,027 49,677 64,427   Loans: 816,590 797,146 774,229 760,002 755,500 Allowance for credit losses   (5,634 )   (5,744 )   (5,256 )   (4,869 )   (four,317 ) internet loans   810,956     791,402     768,973     755,133     751,183     accumulated interest receivable 2,398 2,484 2,360 2,a hundred and forty four 2,221   financial institution premises and equipment, net 20,287 20,481 20,758 20,765 20,427   different belongings: Goodwill 603 603 603 603 1,132 bank owned lifestyles insurance 21,208 21,053 20,899 18,548 sixteen,618 different intangibles 2,384 2,550 2,726 2,903 three,117 other assets   four,759     four,800     5,122     4,910     4,658   total different assets   28,954     29,006     29,350     26,964     25,525   total property $ 1,014,787   $ 988,818   $ 990,438   $ 946,759   $ 924,493     LIABILITIES AND STOCKHOLDERS' equity: Liabilities: Deposits: Non-pastime bearing deposits $ 183,118 $ 179,699 $ 177,621 $ 173,689 $ 171,349 pastime bearing deposits   620,655     618,419     625,555     573,719     571,417   complete deposits   803,773     798,118     803,176     747,408     742,766   Borrowed funds 119,906 101,373 86,334 98,828 80,559 other liabilities   6,216     6,259     6,982     7,624     9,088   complete liabilities   929,896     905,750     896,492     853,860     832,413   Commitments and contingencies Stockholders' fairness: favourite inventory -- $.01 par value - - 12,562 12,562 12,562 average stock – $.01 par price 70 70 70 70 sixty nine additional paid-in capital 70,897 70,824 70,698 70,587 70,173 Retained earnings 13,896 12,147 10,615 9,712 9,257 collected other finished salary/(loss), internet   29     27     1     (32 )   19   total stockholders' equity   84,892     eighty three,068     ninety three,946     ninety two,899     ninety two,080   complete liabilities and stockholders' fairness $ 1,014,787   $ 988,818   $ 990,438   $ 946,759   $ 924,493    

    Capital Ratios - Howard Bancorp, Inc.

    Tangible Capital $ 81,905 $ seventy nine,915 $ seventy eight,055 $ seventy six,830 $ 75,268 Tier 1 Leverage (to common belongings) eight.fifty five % 8.36 % 9.87 % 9.ninety % 11.16 % normal equity Tier 1 Capital (to possibility weighted belongings) 9.sixty five % 9.70 % 11.49 % eleven.47 % 11.56 % Tier 1 Capital (to possibility weighted assets) 9.65 % 9.70 % 11.49 % eleven.forty seven % 11.56 % total Capital Ratio (to possibility weighted belongings) 10.seventy one % 10.80 % 12.13 % 12.09 % 12.12 %   ASSET quality symptoms (greenbacks in thousands)   Non-performing belongings: complete non-performing loans $ 9,383 $ eight,717 $ 9,562 $ 10,370 $ 8,one hundred precise property owned   2,543     2,286     2,369     2,369     1,764   complete non-performing property $ eleven,926   $ 11,003   $ eleven,931   $ 12,739   $ 9,864     Non-performing loans to total loans 1.15 % 1.09 % 1.24 % 1.36 % 1.07 % Non-performing assets to total assets 1.18 % 1.11 % 1.20 % 1.35 % 1.07 % ALLL to complete loans 0.sixty nine % 0.72 % 0.68 % 0.64 % 0.fifty seven % ALLL to non-performing loans 60.04 % sixty five.90 % 54.ninety seven % forty six.96 % 53.30 %         Unaudited Consolidated Statements of revenue FOR THE THREE MONTHS ENDED (greenbacks in thousands, except per share quantities)     Sept 30, June 30, March 31, December 31, September 30, 2016 2016 2016 2015 2015   complete pastime profits $ 9,824 $ 9,553 $ 9,612 $ 9,950 $ 8,489 complete hobby expense   1,176     1,178     969     920     807   net pastime revenue   eight,648     eight,375     8,643     9,030     7,682   Provision for credit losses   (402 )   (515 )   (385 )   (821 )   (230 ) web activity income after provision for credit losses   8,246     7,860     eight,258     eight,209     7,451     NON-activity earnings: provider costs and other income 724 1,097 554 433 515 mortgage banking earnings 3,660 3,473 2,298 2,450 2,741           total non-activity salary   4,384     four,570     2,852     2,883     three,256     NON-activity expense: Salaries and worker merits four,927 four,870 4,584 4,817 four,652 Occupancy rate 1,062 949 1,614 1,001 928 advertising price 864 888 723 769 786 FDIC coverage 199 198 208 138 106 expert fees 669 665 358 543 386 different true estate owned linked rate 43 109 14 (13 ) 776 Merger and restructuring - - - 1,041 2,166 different   2,116     2,182     2,a hundred seventy five     2,083     1,800   total non-pastime expense   9,880     9,861     9,676     10,379     11,600     salary/(loss) earlier than profits taxes 2,750 2,569 1,434 713 (892 )   salary tax price/(advantage) 1,002 928 474 226 (107 )           net profits /(LOSS)   1,748     1,641     960     487     (785 )   favored DIVIDENDS - (109 ) (57 ) (32 ) (31 )

     

             

    net salary/(LOSS) available TO regular SHAREHOLDERS

    $ 1,748   $ 1,532   $ 903   $ 455   $ (816 )   earnings/(LOSS) PER SHARE – simple $ 0.25 $ 0.22 $ 0.13 $ 0.07 $ (0.13 ) earnings/(LOSS) PER SHARE – Diluted $ 0.25 $ 0.22 $ 0.13 $ 0.06 $ (0.13 )   standard general shares miraculous – primary 6,985,559 6,970,876 6,955,462 6,935,493 6,493,987 ordinary usual shares spectacular – Diluted 7,077,420 7,061,867 7,047,987 7,051,660 6,493,987   performance RATIOS: (annualized) Return on usual belongings 0.72 % 0.sixty eight % 0.41 % 0.21 % -0.39 % Return on typical general equity eight.forty six % eight.12 % 4.eighty three % 2.44 % -3.sixty four % web interest margin three.seventy six % 3.66 % three.ninety three % 4.13 % 3.ninety four % effectivity ratio 75.81 % 76.18 % 84.18 % 87.12 % 106.05 % Tangible general equity 8.37 % eight.forty % 8.22 % 8.forty eight % 8.60 %  

    beneath is a reconciliation of the GAAP to non-GAAP figures offered during this free up for the nine months ended September 30, 2015:

                  (in lots)     Pre-Tax profits     Noninterest expensesGAAP measure     $1,402     $27,874 Merger charges     $three,303     $three,303 Non-GAAP economic measure     $4,705     $24,571        


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