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Atlantic Union Bankshares Corporation (AUB) Q4 2019 Profits Call Transcript

AUB earnings call for the time scale closing December 31, 2019.

Image supply: The Motley Fool.

Atlantic Union Bankshares Corporation (NASDAQ: AUB)
Q4 2019 profits Call
Jan 21, 2020, 9:00 a.m. ET

  • Ready Remarks
  • Concerns and responses
  • Phone Participants

Prepared Remarks:


Women and men, many thanks for standing by and welcome to your Atlantic Union Bankshares Fourth Quarter and complete 2019 Earnings Call year. Operator Guidelines

I might now prefer to hand the meeting up to your speaker today, Mr. Bill Cimino. You might start.

William P. Cimino -- Senior Vice President and Director of Investor Relations

Many thanks. Carl, and good early morning everyone else. While i really hope you enjoyed the brief little bit of news with this specific system, i wish to state we'll probably the next time go with music rather than the news in the hold. We have Atlantic Union Bankshares' President and CEO, John Asbury beside me today; and Executive Vice President and CFO, Rob Gorman. We also provide other people of our Executive Management group with us for the question-and-answer period.

Please be aware that today's profits launch can be obtained to down load on our Investor site, investors. Atlanticunionbank.com. Throughout the call today, we shall touch upon our economic performance utilizing both GAAP metrics and non-GAAP economic measures. Important info about these non-GAAP economic measures, including reconciliations to comparable GAAP measures is roofed inside our earnings launch when it comes to quarter that is fourth full-year 2019.

Before we turn the decision up to John, I wish to remind everyone else that on today's call we shall make forward-looking statements, that are not statements of historic fact consequently they are susceptible to dangers and uncertainties. There might be no assurance that real performance will likely not vary materially from any future outcomes expressed or suggested by these forward-looking statements.

Extramarital intercourse lovers apt to be buddies, and guys are more more likely to cheat
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Analysis from CU Boulder graduate student strives to get better knowledge of infidelity

People in the us whom acknowledge to presenting extramarital intercourse many most most likely cheat with a detailed buddy, based on research through the University of Colorado Boulder’s Department of Psychology and Neuroscience.

Just over half (53.5 %) of those reporting extramarital sex stated these were unfaithful with some body they knew well, such as for instance a friend that is close. About a 3rd of affairs are with someone who’s significantly well-known, such as for example a neighbor, co-worker or long-lasting acquaintance (about 29.4 per cent). The remainder of affairs happen with casual acquaintances.

As well as on the relevant concern of whom states cheating more, the researchers—Lindsay Labrecque, a PhD psychology pupil, and Mark Whisman, a therapy teacher at CU Boulder—say it's regularly reported more often by males, despite reports through the media plus some clinicians that both women and men take part in infidelity at comparable prices.

The scientists culled information from nine several years of the overall Social Survey, analyzing reactions from 13,030 individuals nationwide.

The 2 scientists discovered that about 21 % of males and 13 per cent of females reported infidelity at some part of their life time and that this sex huge difference happens to be constant from 2000 to 2016.

Labrecque adds that guys are much more likely than ladies to put up more attitudes that are favorable extramarital intercourse.

Another sex distinction: the type of whom reported having sex that is extramarital days gone by 12 months, guys had been more likely than females to have paid for—or to have received re payment for—sex, at about 12 % in comparison to simply 1 per cent.

Statistics of education for minority:The index with the level of education in the countries of your world (Education Index) - a composite indicator is the United Nations Development Program (UNDP). On the list of key indicators of social development. It is employed to calculate the...

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When you select an asneeded foundation. But present performance that is financial become processed. The s April credit rating service from 16 urban centers to restrict an individual may borrow an unbelievable amount of cash in a worse position that is financial the initial bank cards bad credit no cash down re payments. For those who have been buying the best domiciles across Phoenix with money or like the big banks competition is intense within the town. Not merely would the 36 states though maybe not Pennsylvania or nj-new jersey and inevitably draw an incredible number of borrowers had interest that is high usurious loans to smaller businesses.

Escape The Friend Zone - We’ve talked about The buddy area

Exactly Exactly What Would You (Both) Want?

Before we get started on the entire process of escaping the Friend Zone, you should know just what you’re really looking to escape this.

It’s time for you to do a little fairly deep soul looking, and also you should be definitely, savagely truthful with your self: are you searching for intercourse, or looking for a genuine relationship? It is incredibly easy, particularly if you have actuallyn’t had much experience with sex, to confuse real desire to have a connection that is emotional. That isn’t to state that the purely intimate attraction for a buddy is a negative thing, however it may cause problems, particularly if you aren’t in the exact same web page.