A ANGEL RAISES A WAR CRY! "OHIO, TO PERISH, a Sacrifice of the FIRST FRUIT. Make a COVENANT w/ GOD"

This website has a large header at top, to preserve information, BLOGGER (GOOGLE subsidiary) likes to DELETE from our site.  You must always scroll down to get to articles.  The links below, often connect to articles (posts) thus you must scroll down after you CLICK upon them!  You cannot post comments on our site, as GOOGLE = TREASON, and you have all been SHADOW BANNED.

GOD, to DESTROY state of OHIO, USA, destruction COMING, CLEAVING the HOLLOWS 
http://nesaranews.blogspot.com/2019/06/to-perish-mene-mene-tekel-parsin-god.html
Word of GOD printable Lawful Public Notice (to give to family/friends/neighbors)
http://nesaranews.blogspot.com/2019/07/14-day-lawful-public-notice-effective.html

PROOF-Enslaved=FAKE-for-profit-corporations-foreign-owned, posing as lawful governance
ENSLAVEMENT-Crime-Syndicate-New-World-Order,-One-World-Government,-CABAL,-Satan-Worshippers)
 + END of DAYS, END of WORLD = ABSOLUTE IRREFUTABLE PROOF
Above link takes you to the PROOF documents!  Proof you are enslaved, illegally, converted into THINGS and BEASTS, and PROOF the WORLD is ENDING!

TWO-TIERED-FAKE-WORLD, All GOV-AGENTS = FOREIGN CITIZENS, by swearing allegiance to a FOREIGN FEDERAL CORPORATION, to create a ONE WORLD GOVERNMENT. (below), POSTS reveal FAKE GOVERNMENTS = ALL of THEM
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TWO TIERED FAKE WORLD created by THE MAD HATTER (SATAN):
FRAUD of FEDERAL IRS TAX CODE  - never pay taxes again, get last 3 years refund
The Document That Restores YOUR POWER, never hand your I.D. to a FAKE COP AGAIN
Duplicate copy here, since GOOGLE is TREASON:

?  Where WGOne WGAll  ?
What does WWG1WGA really mean?

ANSWER:
It MEANS that ALL OF US GOES WHERE the LEAST OF US GOESwhich MEANSSECOND DEATH in the LAKE of FIRE and BRIMSTONE for EVERYONE.

Qanon say:
"BE CAREFUL WHO YOU FOLLOW! SOME ARE TRYING TO MAKE MONEY AT THIS!"
 = Trump = Fake Alternative News (Crime Syndicate Owned)
Qanon has to tell you, "BE CAREFUL!" After discernment, know, "Qanon LEADS YOU ASTRAY!


The House of David say:
"Qanon/Trump, TOLD you to be CAREFUL, THEY HAVE to TELL YOU!
= COSMIC LAW OF THE UNIVERSE = COSMIC LAW of FREE WILL,
"They" HAVE TO TELL YOU that YOU SHOULD QUESTION "them" !!!
Qanon, Trump, Putin, All political parties worldwide = serve SATAN (Blatantly Obvious = WAR),
They promise ONE THING ALWAYS, but DO LIE, and ALWAYS DO ANOTHER!"
CRIME SYNDICATE OWNED, and OPERATED SINCE ANCIENT ROME

The House of David say:
"BE CAREFUL WHO YOU FOLLOW!  You are being led astray, by 99.9999% of everyone you follow!
FAKE NEWS = FAKE MAIN STREAM NEWS = FAKE ALTERNATIVE NEWS = FAKE GOVERNMENTS
FAKE ELECTIONS WORLDWIDE = RIGGED, while FALSE FLAGS and SLAUGHTER of Innocents Prevails"


The House of David say :
WWG1WGA = MISERY LOVES COMPANY = EVERYONE BURNS = NO REINCARNATION = NEVER-EVER = YOU suffer TORMENT for ETERNITY.  Who do you listen to?  Listen to TRUMP?  Or Listen to GOD?
Because GOD says quite a few are going to hell.  Do you want to join?  No, then DO NOT say WWG1WGA!

PAST INCOMING MESSAGES FROM GOD:
Message from GOD, CALAMITY INCOMING, prepare -> EXODUS,  Mother City, New Jerusalem NEARS:
(GOD forewarned, TORNADOS, FLOODING, are back AGAIN, because we DID NOT LISTEN TO GOD!
http://nesaranews.blogspot.com/2019/06/saturday-june-23-2019-urgent-message.html
 GOD issues CORRECTIONS to The House of David, correcting INCORRECT STATEMENTS
http://nesaranews.blogspot.com/2019/06/urgent-corrections-i-am-once-again.html
God Pours Out All The Secret Knowledge Upon You:
http://nesaranews.blogspot.com/2019/06/god-pours-out-all-secret-knowledge-upon.html
FLAME of GOD was FOREWARNED:  Philly Refinery Explosion, announced by God day before:
http://nesaranews.blogspot.com/2019/06/flame-of-god-was-forewarned-by-god.html
GOD is the CENTER of "THE MAZE," ("Maze" from TV show, "West World")
http://nesaranews.blogspot.com/2019/06/the-maze-posted-by-one-who-god-jehova.html
I am not THE Messiah, I am "the noose." But, "THE ONE" to come, I am not worthy to tie HIS sandals.
http://nesaranews.blogspot.com/2019/06/today-i-say-unto-you-i-am-noose-that.html
WHAT WOULD THE MESSIAH DO?  -  TIME TO FLIP OVER TABLES & WHIP 'EM GOOD!
GOD sends TORNADOS (6) to the DISTRICT of CRIMINALS at Messiah's Request
Message to God's Servant's, "PICK UP YER STICKS, TEAR DOWN THE CROWN OF PRIDE!"

HEAR a MIGHTY ANGEL RAISE A WAR CRY, and listen to "THE GAEL" from "LAST of THE MOHICANS," as you READ and HEAR, and SEE, "THE WORD of GOD!"  GOD is the "MIGHTIEST WIND," THE WHIRLWIND ON THE THRESHING FLOOR, THE SMOKE POURING OUT THE CHIMNEY WINDOW, THAT IS THE REWARD of the WICKED, and that is how "they" SHALL GO, up like SMOKE.
https://youtu.be/EvYuNfCLRio

All You Prostitutes of BABYLON the GREAT,
You HAVE SOLD yer selves for SILVER just as JUDAS Iscariot did sell himself,
PACK YER SUNSCREEN, cuz it's a gonna be HOT HOT HOT!
Maybe if yer lucky GOD will just THROW you in THE PIT for a thousand years!
Who'd ever think that TROLLING fake Donald Lump (o' nasty) and fake Qanon
COULD BE SO MUCH FUN!
#FAKE POLITICAL PARTIES = ALL
#FAKE DEMOCRATS
#FAKE REPUBLICANS
#FAKE INDEPENDENTS
@FAKE FOREIGN GOVERNMENT NEAR YOU (every nation on earth)
@ALL ELECTIONS on EARTH are FAKE
@ALL WARS on EARTH are FAKE
#GOVERNMENTS ONLY KILL GOOD PEOPLE OF FAITH
#GOV workers = Foreign Citizens by ALLEGIANCE to FOREIGN GOVERNMENT!

TELL them "GET back INSIDE my BOX!" (capital of yer nation is "their" foreign country)!
Every Nation on earth, secretly bound together, BY SECRET CONTRACT,
by HIRING A FOREIGN CORPORATION,
GIVING THEM YOUR NATION'S CAPITAL, in order to create the NEW WORLD ORDER (of ROME, ISRAEL, CHINA) to create a ONE WORLD GOVERNMENT!
SILLY TRAITORS, FAKE BADGES ARE FOR IDIOTS!

America's secret contract gave the capital (D.C) to a foreign corporation, making D.C a foreign country, see "An Act To Provide A Government For The District of Columbia, 41st Congress, Session III, chapter 62.  (run the Biblical concordances of those numbers, it will amaze you).  FYI, the enemy has always been speaking in HEBREW Biblical Concordance except when it is referencing "Abaddon," the name of the king of the fallen angels in THE PIT, see (Revelation 9:11)
https://www.biblegateway.com/passage/?search=Revelation+9%3A11&version=KJV

GOOGLE IS GOVERNMENT SANCTIONED =D.A.R.P.A.
THE following links PROVE IMMEDIATELY THAT SATAN CONTROLS EVERYTHING, all the authorities blatantly SERVE the DEVIL.
Look here at how GOOGLE is promoting; SNUFF, RAPE, MURDER, types of PORN, including but not limited to: forced feces HUMILIATION eating porn, forced urine choking porn, beastiality porn and it is coming out of THE BOTTOMLESS PIT, they are PHYSICALLY RAPING & MURDERING, & HUMILIATING innocent VICTIMS and GOOGLE is ADVERTISING IT, to CAPTURE THE SOULS OF YOUR FRIENDS & FAMILY, just like the Bible and GOD did TELL US IN ADVANCE!  The links below take you to GOOGLE'S LIST OF SEARCH HITS, THERE ARE NO PICTURES, just GOOGLE's search hits, so you can click the link below to verify what i tell you, WITHOUT SELLING YOUR SOUL TO THE DEVIL.  SEE IT AND BELIEVE IT!  THE DEVIL IS REAL, and Satan is making HIS MOVE, the END COMES QUICKLY, like a THEIF IN THE NIGHT!
 The LINKS BELOW are SAFE for CHILDREN to VIEW!  You will ONLY SEE TEXT, links only take you to GOGOLE SEARCH ENGINE RESULTS!  BUT DO NOT GO FURTHER THAN THE LINKS BELOW, these links below prove what GOOGLE is doing, they are STEALING PEOPLE'S SOULS FOR THE DEVIL.  I REPEAT AGAIN, only click on the links below, THEN COME BACK HERE, to www.NesaraNews.Blogspot.com, by hitting your "BACK BUTTON."
Google's MURDER porn:
https://www.google.com/search?ei=gQIbXYXIFY-5tAajgpPwAg&q=snuff+porn+heavy&oq=snuff+porn+heavy&gs_l=psy-ab.3...2349.3122..3481...0.0..0.113.568.5j1......0....1..gws-wiz.zT_PRM8w5J0
Google's RAPE porn:
https://www.google.com/search?q=RAPE+PORN+HEAVY&oq=RAPE+PORN+HEAVY&aqs=chrome..69i57.2343j0j9&sourceid=chrome&ie=UTF-8
Google's FORCED FECES EATING HUMILIATION porn:
https://www.google.com/search?ei=8gMbXe5wlNG1BvndopgN&q=forced+feces+eating+porn&oq=forced+feces+eating+porn&gs_l=psy-ab.3...52700.56251..56507...0.0..0.136.2566.6j18......0....1..gws-wiz.......35i39j0i131i67j0j0i67j0i131j0i10j33i160j33i299.RYWUGEU5RfA
Google's FORCED URINE CHOKING/DRINKING HUMILIATION porn:
https://www.google.com/search?ei=KwQbXf7HCZm4tQavwbGwBA&q=forced+urine+porn&oq=forced+urine+porn&gs_l=psy-ab.3...1457.59624..59943...5.0..0.133.2425.7j16......0....1..gws-wiz.......35i39j0i67j0i131j0j0i10j0i22i30j33i160.9a1KnthYR_I
Google's BEASTIALITY porn (killing animals by penetrating them = SATANIC
https://www.google.com/search?ei=ZwQbXca9KZGDtQap2Z2wAQ&q=beastiality+porn&oq=beastiality+porn&gs_l=psy-ab.3...99092.101323..101523...0.0..0.147.1630.9j7......0....1..gws-wiz.......35i39j0j0i131j0i67j0i10.zet8olLh70U
We are at WAR against PURE SPIRITUAL EVIL(the DEVIL is very REAL), and the only thing that can save you, IS MAKING YOUR COVENANT with GOD!  GOD has informed me, that making ONE's COVENANT to GOD is the MOST important COMMANDMENT (Laws of Moses), and the enemy removed it from the ALL THE SCRIPTURES, SO THAT YOU WOULD ALL PERISH, and not be saved.  SAVE YOURSELVES, now!  THINK about it, all those mentioned in the Bible who were protected by GOD, they all MADE A COVENANT WITH GOD!  So DO YOU WANT GOD'S PROTECTION?  DO YOU?  Or do you want to go "Where We Go One We Go All?"  Do you want to GNASH YOUR TEETH and GNAW YOUR TONGUE?  I DID NOT THINK SO!:  MAKE YOUR COVENANT WITH GOD TODAY, AND TAKE YOUR OATH TO SERVE GOD!

GOD, to DESTROY state of OHIO, USA, destruction COMING, CLEAVING the HOLLOWS 
http://nesaranews.blogspot.com/2019/06/to-perish-mene-mene-tekel-parsin-god.html

Thursday, February 28, 2013

The Death of Small Banks in the US

The Death of Small Banks in the US
By Chris Mayer
The US government is going to kill the small banking industry in the US. The irony is hard to miss. It was not the small banks that threatened the financial system in the crisis of 2008. Yet they will bear the brunt of the regulatory costs imposed in its wake. The end result will be that US banking assets will collect into the hands of even larger banks.

It is a shame. Yet the death of the lamb is the life of the wolf, as an old saying has it. In other words, it is not all bad for everybody, as I?ll explain below.

First, let me begin with a piece of anecdotal evidence from the departing CEO of Third Street Bancshares, based in Marietta, Ohio. His name is James Meagle Jr., and he had been in banking for 40 years.

A CEO leaves some company somewhere every day. That, in itself, is not news. But few CEOs depart by saying that the company he?s leaving might not survive. Citing tremendous changes in regulatory costs and compliance issues, Meagle said he ?didn?t have the patience anymore.? His old bank will have to spend about $100,000 to meet new demands from regulators. For a little bank with one branch, $100,000 is a lot of money. I bet it is a big chunk of the money it makes in a year. Third Street is privately held, so we can?t know for sure.

?I don?t know how we?re going to be able to make it,? Meagle tells SNL Financial. ?We can [survive], but we?re just spending so much time and energy complying with these new regulations.?

?Absolutely ludicrous,? is how he described the regulators? level of scrutiny.

What?s this bank to do? Merge.

?We?ve been able to hold our earnings up and we?re still well capitalized,? Meagle continues ?but what I see coming in the future is not pretty. We really do not want to sell, but we may have no other options.?

It?s a story I?ve heard often from banking industry executives, as well as from professional investors in the banking sector. The small banks will have to sell out to larger banks, which can spread out those costs over a larger asset base.

Some more color to the backdrop may help you focus in here. Let us consider the US banking system. What does it look like? Well, the top 20 banks hold nearly 80% of the industry?s assets today. Take a look at the nearby chart.
Top Heavy US Banking System

The question naturally arises: How big do you have to be to earn an attractive return as a banking franchise in the US of A?

It?s an unsettled question, even among industry insiders. What?s nearly certain is that the 2,490 banks on the bottom are toast. Those are the Third Street Bancshares of the world. Way too small to even make a go of it, like a 9-year-old trying to block linebacker Ray Lewis.

The next level up will probably have to sellout as well. These are the 4,000-plus banks with assets up to $1 billion. In fact, regulatory costs, as well as banks? net profit margins (from low interest rates), put pressure on the next block up to consolidate.

Now here is the opportunity ? and more irony.
What big banks know could cost you...

The last time big banks knew something the general public didn?t, ordinary people got burned. This time, not knowing what they know could leave you out in the cold...

See what they expect to happen ? and when ? here.

For good banks, buyouts occur at premiums to book value. Yet many healthy small banks trade below book value. In fact, in a recent issue of Mayer?s Special Situations, I urged my subscribers to invest in three specific small banks. Each of them trades below book value. Each of them has plenty of capital. And my bet is that at least one of them ? and maybe all of them ? gets bought out at a premium to book value in the next five years.

I expect we?ll see many of the smaller banks combining over the next several years, like droplets of water forming with other droplets of water to make bigger and bigger drops of waters. As investors, you gain by owning the undervalued, small banks.

But you can also play the acquirers. Here, you want to own the healthy predators, such as Republic Bancorp (NASDAQ:RBCAA), which has picked up a couple of failed banks in the last couple of years. It is a consolidator of banks and will grow as a result of the acquisitions.

Investors benefit from consolidation because larger banks get a better multiple.

Some months ago, I spoke with John Palmer at PL Capital, an outstanding investor in bank stocks. As John explained, ?The larger the bank, the better they tend to trade off of book value.? Typically, a $3 billion bank will have a higher trading multiple than a $1 billion bank. And a $1 billion bank will have a higher trading multiple than a $500 million bank. So by moving up the food chain, a bank can actually increase its trading value based on asset size.

?That?s why these companies are looking to buy other banks and get bigger,? John said. ?If they can move from $1.5 billion to $3 billion and get some cost savings out of it, they are going to get a higher trading value. If they can go from $3 billion to $5 billion, they are going to get a higher trading value again.?

The unfortunate part is that the industry consolidation underway will mean the death of the small community bank. The consequence of all those new rules and regulations is that the US banking system will become even more top-heavy. Banks will get even bigger. Banking assets will concentrate in fewer hands. And while I expect there will be lots of foot-dragging and resistance from entrenched boards and management teams, I think the deals will get done. There is too much money at stake.

The eventual death of small banks ought to mean good returns over the next few years as these dynamics play out. For investors in bank stocks, the irony is profitable.

Regards,

Chris Mayer