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A name that would be easy to remember and difficult to forget. A name that said so much, but actually said so little. The purchase of a 750 lb. Week after week went by as these recipes were perfected and tested on Splash employees and customers. In the Splash kitchen were born all of the amazing recipes for the side dishes that are made from scratch daily. Meanwhile, on February 1, 2008 the Police Department had moved out and Bruce began reconstructing the building. The design goal was to capture the feeling of eating in a barn. The colorful metal plates and cups were carefully chosen to replicate the sounds and appearance of that era. The construction of the restaurant was completed in a world record 78 days. Jethro was now, officially an Iowa corporation, and that is a good thing. Jethro loves the Bulldogs. As a sign of his affection, he had a large blimp built with his name and the Drake Bulldog logo on it.
The blimp flies around inside the arena for all Drake sporting activities and drops coupons on the hungry students and fans. As a sign of their affection, they wear blue t-shirts to all the games with the Drake logo on the front and a picture of Jethro along with one of his many sayings on the back, i. Adam Emmenecker sat down with the menu and chose all of his favorite foods. The show aired in October of 2010 to a national TV audience. Overnight, the sandwich gained international immortality! Families, food eaters, contestants and large groups of people travel from across the country and the world to Des Moines to attempt the Adam Emmenecker Challenge. You can click on the link here to watch the show. Jethro opened up his kitchens and shared his secret recipes to the Secret Service as they inspected and tasted the food to make sure that it was delicious and poison free. Within 3 days, he made an offer to buy the building.
The unique idea for smoked steaks was born. Chef Dominic learned to slowly smoke the steaks over hickory and oak wood at a 90 degree temperature, without actually cooking the meat. The restaurant and sandwich named after San Fransisco Giant pitcher, no hit throwing wonder, Matt Cain offered their customers two free sandwiches for every one sandwich they purchased, only if they brought along two friends and all voted. As always, Bruce envisioned something unique that would set this new restaurant apart. The new restaurant served over 10,000 people in the first week, and then it got busy. You can click on the link here to watch the story. It seems like there have been a lot of coincidences in the world of Jethro. You can click on the link here to watch the video. But, the award that really excited Jethro was from the people of Des Moines, who voted his Wings, the Best in the City, for the third consecutive year.
Jethro awoke, and began exploring the north woods. The 7,200 square foot Lake House is the first restaurant that Bruce has ever built from the ground up. As a matter of fact, when construction of the building began in the Ankeny Prairie Trail City Center subdivision, there were no roads, there were no utilities. It was a big field of prairie grass. Bruce was so excited with the opportunity and location that he travelled to the Georgetown district of Washington D. The development will eventually include the new Ankeny City Hall, Library and over 500,000 square feet of office and retail space. Bruce has designed the Lake House to recall those historic buildings he saw in Georgetown that had been built and added onto through the decades.
Thus, two distinctly different patios overlook a six acre lake built around a beautiful fire pit and community gathering area that all connect to a walking trail circling the lake. The show brought viewers behind the scenes, deep into our kitchen to watch our chefs prepare this delicious bacon and pork treat. Sales of the Jethro Sandwich doubled in the months following the premier. You can click on the link here on our website to watch the show and see all the fun our staff and guest enjoyed during the eating and filming. It only applies to Bermuda dollar accounts, and there are no immediate plans to change that. Mr Todd said Bermuda dollar accounts are the primary and largest concentration of deposits held with local banks.
Delays in reimbursement can also cause financial hardship for depositors, who may need funds for everyday living expenses. The deposit insurance fund is being built up from premiums paid by the banks, currently calculated on qualifying insured deposits at the rate of 0. The public can learn more about the scheme from the BDIC brochure, which will be available at scheme members, or by visiting the website https: April 26. Bank workers need union protection, a labour leader said yesterday. Chris Furbert, head of the Bermuda Industrial Union, said the Butterfield Bank decision to shed staff and close the Rosebank branch underlined the case for trade union representation. Mr Furbert said: There are other unions you should join that would give you some protection. That will hopefully give you protection against employers that are going to behave like the Bank of Butterfield.
April 17. The cuts were announced by the bank in a statement this morning issued by the Bermuda Stock Exchange. He added: It is clear that Bermuda requires greater diversification in the banking sector to create more employment opportunities for Bermudians and more banking choices for Bermudian consumers. Consequently, the Government will increase our efforts to diversify our banking sector as a matter of national priority. In 2009 the Government of Bermuda stepped in to assist Butterfield Bank when its future, the security of depositors deposits and Bermudian jobs were in jeopardy. For the Bermudian workers who have been made redundant today, the Government intends to be there for you, just as we were for Butterfield Bank in 2009. I have asked the minister responsible for Workforce Development to make available the full array of services at her disposal to ensure that the affected employees are aware of and where applicable, paired with suitable employment opportunities, training or retraining needed to get them back to work.
As Butterfield Bank has obligations to their shareholders, the Bermudians who now find themselves out of work have obligations to their families. We will do everything in our power to ensure that those former employees of Butterfield have the support needed to get through this difficult period. March 7. Mr Katz said: We respect BCB, their board and management, and otherwise defer to them. This meeting was mainly to explore the opportunity and challenges of the potential introduction of gaming to the island. As mentioned before, Bermuda Commercial Bank Limited has no plans at this time to bank the gaming industry in Bermuda. Mr Dickinson told the House of Assembly last week: A Butterfield spokesman told The Royal Gazette: Spokeswoman Susan Turkell said today: However, he added: They attempted to land a lucrative contract to provide a cashless gaming system to any casinos that opened in Bermuda, as outlined in a special report in The Royal Gazette in October 2017.
A spokesman for Permanent Capital said Mr Tartaglia and Mr Moniz were directors of a local holding company that was being used to enable the merger agreement to go ahead, and neither they, Mr Pettingill nor Mr Spurling would be the ultimate owners of BCB once the transaction was completed. March 2. Mr Dickinson told Parliament the commission is trying to secure a local bank with an American correspondent bank relationship which could accept the proceeds from gaming. The securing of a bank has long been regarded as a major stumbling block for the casino industry. Butterfield declined to comment when approached by the Gazette at that time. Mr Dickinson added further discussion will be carried out with the Bermuda Monetary Authority as banking regulator and the US correspondent banks.
David Burt, the Premier, previously noted that the Bahamas had been faulted in 2016 over money-laundering issues with its betting shops. Mr Dickinson said yesterday: Consultation with the betting operators regarding the legislative changes and the pending compliance requirements is ongoing. The commission will assist them in understanding the importance of adopting policies that create robust internal controls that will meet the new legislative requirements. The commission is also drafting a Licensing Conditions and Code of Practice document which will be introduced in tandem with the legislation governing the betting sector. He said: January 25. A fintech-friendly bank is to set up on the island and David Burt will be revealing details next week, according to a media report out of Switzerland. The discussion featured on the importance of focusing on quality over quantity when accepting businesses, CCN reported, adding that this was an issue which Mr Burt said was the main focus for Bermuda looking at crypto and blockchain companies.
In July, the Bermuda Government made amendments to the Banks and Deposit Companies Act 1999 to create a new type of restricted licence for banks catering to the fintech industry. At the time, Mr Burt said: December 20. Some borrowers in Bermuda with residential mortgages, commercial loans or corporate loans will pay more interest after the US Federal Reserve raised interest rates. In response to the quarter percentage point hike in the US, Butterfield Bank said it is adjusting its interest rates on fixed-term deposits and loans. It lifted its interest rate by 0. It is now estimated that the Fed will raise interest rates twice in 2019, rather than three times as was previously forecast. The change in sentiment is said to be because of concerns about slowing growth in the US and elsewhere.
The base rate for Bermuda dollar corporate loans and US dollar loans will increase by 0. The loan rate increases take effect on December 27, while the Bermuda residential mortgage interest rate changes will be made on March 19. For savers, there will be an interest-rate increase of between 0. Those changes will take effect on December 27. Its Bermuda dollar base rate for personal mortgages stays at 4. In September, the bank also left its base lending rates unchanged after the increase in the Fed Funds rate. Ian Truran, chief executive officer of Clarien Bank Limited, said: We are intensely mindful of how base lending rate changes impact our clients, and after carefully analyzing several different factors including the rise in the US Federal Reserve rate, it has been determined that we will not increase our base lending rates at this time.
An HSBC spokesperson said: Any impact on the rates will be communicated through our usual channels. Information regarding Clarien Bank rates is available at clarienbank. August 9. A new class of banking licence being introduced in Bermuda could address a hurdle that has crimped the progress of fintech and blockchain business around the world. What form the solution will take in Bermuda has yet to be established. However, there are clues in a limited number of countries and jurisdictions that have similarly looked to introduce a workable interface between blockchain-based companies, including those involved in digital currencies and tokens, and traditional banking services. In Switzerland there are about 200 blockchain-based companies in and around the small town of Zug.
As a consequence, many of those start-ups have had to look elsewhere for banking services. Some have turned to the tiny European principality of Liechtenstein, where Bank Frick has introduced direct crypto investment in the leading cryptocurrencies of bitcoin, bitcoin cash, litecoin, ripple and ether. It has also helped more than 20 initial coin offering projects establish traditional bank accounts. Fidor Bank in Germany, and Swiss private banks Vontobel and Falcon Bank, have also agreed to handle cryptocurrency-based investments. Tokenpay, a blockchain-based payment platform registered in the British Virgin Islands which has banking operations, has partnered with Swiss-based blockchain asset management service company Coinlab Capital. But generally, there are few options around the world for crypto-related banking, due to regulators and major banks being reluctant to enter the field.
The likes of JP Morgan and Goldman Sachs have listed cryptocurrency and related technology as potential risk factors, although Goldman Sachs has also said it is planning a crypto-custody offering. The high volatility of cryptocurrencies is another reason why many large banks are sitting on the sidelines. In the UK some banks ban customers from using their credit cards to speculate on cryptocurrencies. In a prelude to the tabling of the Bills, David Burt said: While that is understandable, as given their risk tolerances, to date local banks have been unwilling to offer services to newly incorporated fintech and distributed ledger technology companies. As of last month Bermuda had 21 fintech companies incorporated on the island, and a similar number are waiting to do so, according to Mr Burt.
When the two Bills reached the Senate at the end of last month, Vance Campbell, a government senator, was asked if any banks had been identified that would take advantage of the new class of licence. The finance director of the Zug canton in Switzerland said it was hoped that the relationship between crypto companies and banks in Switzerland would be clarified by the end of this year. Mr Burt takes a similar view. For countries it is no different, Bermuda must be nimble or we will be left behind. July 28. David Burt, the Premier and Minister of Finance, told the House of Assembly that the restricted licence would allow fintech companies access to a Bermuda bank account and the chance to be part of the island economy.
This is a problem that we must fix or else Bermuda will not be able to realize the possibility of economic growth that can come from a fintech industry on our shores. It was therefore incumbent on this Progressive Labour Party government to find a solution to this problem. Jeanne Atherden, the Leader of the Opposition, the One Bermuda Alliance, asked how many banks would be set up under the restricted licence. Mr Burt said the number of banks would be driven by market demand. He added some interested parties said the concept was right but were not satisfied that all the regulations and safety precautions were in place. The steps are consultative and they are in keeping with global best practices. Chris Famous, also a PLP backbencher, said innovation was important. June 29. The Premier spoke of the need to resolve the issue surrounding the new fintech which has been attracted to the island in recent weeks.
Restrictive banking licenses will be introduced, and consultation has begun on expanding the types of banks that can operate in Bermuda to serve the public. The Premier said: June 13. Clarien Bank said today it would raise its Bermuda dollar mortgage rates by quarter of a percentage point, while Butterfield will increase Bermuda dollar corporate loans and US dollar loans by the same amount. The announcements came after the US Federal Reserve said it would raise its influential fed funds rate by quarter of a point. Clarien said the Bermuda dollar base rate for personal mortgages would increase from 4. Your donors and winning bidders can be anybody, from parents to grandparents, friends, community members, school administrators, teachers, and staff members. Explain Where the Money Will Go Before the event, talk with administrators, teachers, and staff about how the money will be spend—then set a fundraising goal and tell the story to everybody.
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Others said they were struggling to transfer money. Asked about the issues, a spokesman for Butterfield said: Others, for whom the bank did not have current e-mail contact information, have had to contact our call centre to provide or update their e-mail address. As one would expect with a significant change to the online banking platform, our call centre is currently dealing with a high volume of queries, which has resulted in longer-than-usual wait times. We thank our customers for their patience. The spokesman said: Those notices included requests for customers to confirm their e-mail addresses with our call centre, as the new system relies on a one-time verification code sent by e-mail for first-time login. Some customers have complained that their beneficiary and bill payment templates were lost in the switchover.
Butterfield said this was not the case. The previous version of the app also continues to be available to meet the needs of corporate banking customers. March 1. In its latest filing at the US Securities and Exchange Commission, Butterfield also detailed non-accrual loans it has on its books. It sold those operations in 2012. October 25. Investors were rattled by a sharp decline in deposits at the bank, and lower expectations of revenue from the banking custody business it has acquired from Deutsche Bank. They have put the money to work somewhere else. Michael Schrum, chief financial officer, explained that from time to time big deposits go on and off the balance sheet. There are specific deposits that, given they are in a fund, are probably not going to come back.
But from time to time we will get others that come back to the balance sheet. Those very important clients are still very important for the trust business; the relationships are still with us, they are just doing other things with their money, and it is not rate-related. We are excited about the opportunities we have in that market. Mr Collins said: It is something we will continue to do every year or two as we think about our cost base. October 23. The profit equated to 90 cents per diluted share, five cents lower than the predicted estimate of a consensus of market analysts. Expense management is a priority for us, particularly as we integrate the previously announced acquisitions. Our strategy continues to generate industry leading returns with an attractive risk profile. We remain focused on pursuing additional growth through accretive acquisitions of trust businesses and banking in existing jurisdictions.
As it announced its results, the bank said David Zwiener has decided to retire from the board. He has served as a director since August 2016, and as lead independent director since July last year. James Burr, who has been a director since June 2016, has been appointed lead independent director. Return on average common equity was 23. The bank has declared an interim dividend of 38 cents per share to be paid next month. Butterfield currently has board approval to repurchase up to one million shares for capital management. During the third quarter it did not repurchase any common shares. February 15. This morning we announced that we have reached a second agreement with Deutsche Bank to acquire their banking businesses in the Cayman Islands, Guernsey and Jersey. We are very excited about this acquisition as it could increase our deposit base by about 20 per cent once integrated.
It will help us establish a foothold in Jersey, an attractive banking market, as well as increasing our scale and market share in Cayman and Guernsey. The customer base has a very similar profile to our existing banking business and we look forward to welcoming the new relationship teams and their clients to the Butterfield Group. December 14. Clarien Bank said yesterday that it also plans to raise rates for savers and borrowers, with details to be released next month. Butterfield said: The bank said its base rate for Bermuda dollar residential mortgages and consumer loans will increase from 4. The base rate for Bermuda dollar corporate loans and US dollar loans will increase from 4. The rate increase on loans takes effect immediately. The rate increase on residential mortgages will take effect on March 18, 2018. Butterfield added: October 26. Of particular note is the expansion opportunity into Singapore. Asia is viewed as a growth market for the bank.
During an earnings conference call only hours after the planned acquisition was announced yesterday, he said: And it goes back historically to our trust business from a lot of the Hong Kong families. So having a presence there is really important. Upon completion of the transaction, which is subject to regulatory approvals, Butterfield will take over the ongoing management and administration of the GTS portfolio, comprising of approximately 1,000 trust structures for some 900 private clients. While the terms of the agreement have not been disclosed, there are some clues about the scale of the deal. The Singapore platform that Butterfield will acquire is understood to have about 15 staff, and will generate about 20 per cent of the additional trust business revenue. In a statement, Mr Collins, said: It also provides us with a physical presence in Asia, which we view as a growth market for Butterfield.
The divestiture represents an important step in our strategy of simplifying our business and positioning wealth management for growth in our core markets. Mr Collins said the acquisition of GTS ticked a number of boxes for the bank, such as being at least two-thirds private trust business. We expect it to generate stable trust fee income for the bank and be accretive once integrated. The transaction is expected to close in the first half of 2018, subject to customary closing conditions. The results were released this morning, along with news that the bank is to acquire Global Trust Solutions from Deutsche Bank. We are also pleased to announce an agreement to acquire the Global Trust Solutions business from Deutsche Bank. This acquisition will add scale and talent to our existing trust operations in Switzerland, Guernsey and Cayman and add a profitable and strategically important private trust platform in Singapore.
We expect it to generate stable trust fee income for the Bank and be accretive once integrated. Terms of the agreement have not been disclosed. Upon completion of the transaction, which is subject to regulatory approvals, Butterfield will take over the ongoing management and administration of the GTS portfolio, comprising approximately 1,000 trust structures for some 900 private clients. The acquisition is expected to close in the first half of 2018. Mr Collins said it was the fourth significant acquisition for the bank since 2014 and was consistent with the strategy to grow by acquiring complementary businesses in select jurisdictions. Announcing its third quarter results, the bank has declared an interim dividend of 32 cents per share to be paid on November 27.
The bank said paydowns in commercial lending were offset by new residential mortgages loans. The core return on average tangible common equity was 22. Meanwhile, the core efficiency ratio for the third quarter of was 62. The bank said improvements were driven by higher yields on the investment portfolio and on the adjustable-rate loan portfolio. Net interest margin was 2. Improvements were said to have been driven by increases in net interest income and deposit costs which decreased slightly to 10 basis points from 11 basis points in the previous quarter. The bank stated that non-interest expenses are expected to continue to normalize over the next quarter as various temporary expenses abate. This compares with 17. Both of these ratios are significantly above regulatory requirements. This will ensure continuity of service for clients. Its award-winning trust business comprises more than 200 professionals based in the Bahamas, Bermuda, Cayman Islands, Guernsey and Switzerland, who provide estate and succession planning services, efficient co-ordination of family affairs, and administration of complex holding structures for a wide variety of financial and non-financial assets.
October 7. Meroe Park has been appointed as a non-executive director. She held increasingly senior positions at the CIA, including chief of human resources and a senior mission support officer for locations in Eurasia and Western Europe. She holds a Bachelor of Science degree from Georgetown University. I look forward to working closely with Meroe and our other directors as we continue to build shareholder value. August 18. Butterfield Bank is confident it will return its operating expenses to its target level by the end of the year. And while it has twice raised its lending rates this year, in line with moves by the US Federal Reserve, it has no declared intention on what it will do if there is a further hike by the Fed. Regarding expenses, the bank has a 60 per cent efficiency ratio target for the end of 2017.
However, between March and the end of June it went off target. The bank was an official supplier and official Bermuda bank of the event, and it hosted more than 800 guests and clients during the sailing competition in May and June. Michael Schrum, chief financial officer, said: But he added: May 11. Butterfield Bank is aiming to cut operating costs as it moves some middle-office functions and back-office departments to its service centre in Canada. It is expected that this will allow the bank to reduce its expenses in Bermuda and Cayman. Favorable tax treatment is a carrot for the bank to create more jobs in Nova Scotia. Butterfield has a service centre in Halifax, where it employs about 35 people. Last month it amended a six-year agreement it made in December 2015 with Nova Scotia Business Inc, increasing the projected number of jobs it will create in the province from 50 to 100.
However, that amount will be lower if it creates fewer than 100 jobs in Nova Scotia. You can pull a live auction together with relatively few items, and with a lot less planning and volunteer resources required than with large silent auctions. A small number of items with high intangible value—for example, special classroom mementos or special experiences—can raise more money than a traditional silent auction that has lots of lesser-value items. Points To Consider First Live auctions work best with experiential items that will most likely take effort to get—a stay in a mountain cabin or backstage passes to a concert, for example. And you must be patient. The most successful fundraisers typically have several different ways to raise money.
This reduces the impact of any one revenue stream failing, and it creates multiple ways for potential supporters of your group to contribute. At most schools, relatively few people will come to a fundraiser prepared to spend several hundred dollars or more—the amount you might seek for a single live auction item. So, going live-only most likely excludes many supporters who would otherwise attend and spend money at a more traditional fundraiser. Your donors and winning bidders can be anybody, from parents to grandparents, friends, community members, school administrators, teachers, and staff members. Explain Where the Money Will Go Before the event, talk with administrators, teachers, and staff about how the money will be spend—then set a fundraising goal and tell the story to everybody. Stay out of the trap of fundraising with no plan. Start with what your school can give. Be creative with what you have. Firefighter dads at our school get permission from the city to auction off rides to school in a fire truck.
Know what your parents do for a living. Bruce and Dom invited Mr. Shatner to visit Iowa and he has agreed to come visit. Click on the link here to watch the show. Do you like your bacon crispy or squiggly? A Bourbon Bar featuring over 16 premium bourbons and Bloody Mary Bar make for happy times for our guest. Bruce and Chef Dom dreamed of developing this concept for several years before they found this perfect, centrally located spot at 1480 22nd Street in West Des Moines formerly home to Hooters. He then sterilized the building inside and out. The 6,800 square foot building seats 260, including a private party room that seats 80 and a retail Bacon store that sells all things Bacony. Jethro sells his very own hickory and cherry wood smoked, thick cut bacon for you to take home. The parting of the Red Sea was one of the highlights of his time on earth. It appears there will be much more to come in 2017 and beyond. Who knew?
Bruce has been searching in Ames for several years to find a new home for Jethro. Ames is of course home to Iowa State University and a lot of rabid Cyclone sports fans. What better city than to build the largest sports bar in the Big 12 Conference. The restaurant will feature a giant banquet room that will seat over 300 for private parties. There will nothing else like it anywhere in Ames. Bruce is really excited about his giant parking lot that will make it easy for people to come and go. There will be lots of rock and roll music so the Cyclone fans can get their groove on too. Thank you to our loyal guests and Cousins. If you do not have a Cousin Card yet, get one today. Lots of free food and rewards for our Cousins. So which is it? Is it the delicious food? Or, is it the great service? It is both. Bruce was and has always been an athlete and a coach.
A coach teaches, a coach leads, a coach inspires, a coach fights for his Team, a coach rewards. Today that health care plan exceeds all requirements of Obama Care. All work and no play just does not work, so managers are scheduled for a 5 day work week and also share in a generous monthly profit sharing plan. Thank you all for your support over the last eight years. Jethro brings order to the chaos that is the life of the modern American. We are honored to be recipients of these great awards! There will be no credit earned on gift card and merchandise purchases. Credit will be accrued pre-tax and will not include any promo or comp values. Rewards will be available the next business day. This credit will be applied to any food, beverage or catering purchase on next the visit the guest uses their reward card. This credit will expire in 30 days from activation. Double points Monday Guests using their registered rewards card on Monday will receive double value on all points earned for food, beverage or catering purchases, gift card and merchandise purchases do not apply.
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