cinestill film creates photographic film for still cameras from kodak 's motion picture cinema film .

cinestill film uses a modified version of kodak motion picture cinema film , allowing it to be developed with the c-41 process rather than the eastman color negative process .

beta testing of cinestill film 's " 800tungsten xpro c-41 " began in late 2012 , the film is based on kodak 's " vision 3 5219 " motion picture cinema film .

although the " vision 3 5219 " film is normally rated for 500iso , the conversion to c-41 processing allows the film to be rated at 800iso .

cinestill film converts the kodak motion picture cinema film by removing the remjet backing , a separate anti-halation backing used to protect the film in motion picture cameras .

due to the removal of this anti-halation backing , cinestill film exhibits a glowing effect on the image in areas with strong highlights .

in addition to their first product " 800tungsten xpro c-41 " , cinestill film also produces " 50daylight xpro c-41 " from kodak 's " vision3 50d " motion picture cinema film as 135 film .

cinestill

800tungsten high speed color film , 35mm 135 / 36exp . ( iso 800 ) – cinestill film
cinestill is more susceptible to light leaks and static discharge than most other films so care should be taken when handling .
to celebrate the availability of cinestill bwxx , double - x negative film , all black and white film and chemicals from kodak and cinestill are on sale for black friday . so get your stocking stuffers now or stock up for capturing the holidays on classic b & w film , at 10 % to 33 % off the lowest advertised prices .
q : what is the cinestill bwxx black and white film emulsion and how do i get it ? a : cinestill bwxx is eastman kodak double - x 5222 professionally rolled and packaged in 36 exposure cassettes for still photography . it is a high speed , classic black & white film emulsion , with an ei of 250 under daylight and 200 under tungsten lighting .
cinestill has been delivering advanced cinema film technology to still photographers since 2012 and has established itself as a trusted name for film photographers around the world . cinestill works hand - in - hand with current film photography companies to further the production of analog materials . this collaborative approach to manufacturing increases efficiency and sustainability of current resources , resulting in increased stability across the whole analog photography market , from manufacturing to consumption .
our initial release of bwxx was a limited run ( only 2000 rolls available ) that sold out fast due to high demand . we hope to make bwxx a regularly stocked , widely available cinestill film emulsion .
expiration : unexposed cinestill film should be stored in the fridge and shot within 6 months of purchase to achieve optimal results . exposed film should be processed promptly in c - 41 chemicals to preserve latent image latitude and color fidelity . all current productions of cinestill have expiration dates for one year from manufacture date on the packaging . if your film does not have an expiration date it is from early production and is likely age fogged .
expiration : unexposed cinestill film has a 1 year shelf life , and should be stored in the fridge and shot within 6 months of purchase to achieve optimal results . exposed film should be processed promptly in c - 41 chemicals to preserve latent image latitude and color fidelity . all current productions of cinestill have expiration dates for one year from manufacture date on the packaging . if you have alpha production film ( no retail box ) , it should be used before 2018 .
cinestill 50d is an iso 50 / 18° speed daylight balanced ( 5500k ) motion picture emulsion . technology borrowed from from hollywood ' s wunderkind , kodak 50d , prepped and rolled for safe c - 41 standard development as an iso 50 film .
in the past i have been very happy with cinitsill . however the last four rolls i ordered were defective . i sent them to ncps in carlsbad with many other rolls of kodak and fuji c41 . the kodak and fujicolor came back as great negatives and scans , however the cinestill film was all defective . i have sent all my cinestill to ncps in the past with great results , but this batch was obviously bad . i have attached an example of both a good result from the past and the damage film from my last order .
“cinestill 800t is the only film made for still photographers specifically designed for capturing beautiful color images in limited incandescent
tungsten
light . this new high speed color film for still photography is converted to be compatible with any still photo lab processing from the same preferred film stock commonly used by today ' s top directors and cinematographers ; including steven spielberg , wes anderson , wally pfister , martin scorsese , david o . russell , the coen brothers , emmanuel lubezki and many many more . cinestill allows for that same unmatched image quality and cinematic look to be accessed by you ! ”
expiration : the new and improved production of cinestill film now has an extended shelf life , and has been tested for longevity up to 1 . 5 years without base fogging . unexposed film should be stored in the fridge and shot within 6 months of purchase to achieve optimal results . exposed film should be processed promptly in c - 41 chemicals to preserve latent image latitude and color fidelity . all current productions of cinestill will have expiration dates for 18 months from manufacture date on the packaging . if you have alpha production film ( no retail box ) , it should be used before 2018 .
and if you’d like to mix in some color film while warming by the fireplace or in the bright snowy daylight , be sure to add some 800tungsten and 50daylight in 120 or 135 format to take advantage of the free shipping on film orders $ 75 or more . happy holidays ! still silver , - cinestill
one of the greatest aspects of film is its incredible latitude . this is especially true for 800t . from our tests and user feedback , cinestill 800t is best rated at ei ( exposure index ) 800 in tungsten light when processed in standard c - 41 chemistry . though the original stock ( kodak 500t 5219 ) is recommended to be rated at ei 500 in tungsten light , many cinematographers and filmmakers regularly rate this film at 1000 speed with no push , due to this film ' s amazing shadow latitude . regardless , the ideal iso / ei to rate this film at will always be somewhere between 400 and 800 without push processing . but remember , cinestill 800t is designed for c - 41 processing , which causes a slight push in development and results in a denser negative . thus , we have found 800 to be right in the middle of the ideal exposure index range . expect a unique look from cinestill 800tungsten when photographing :
cinestill bwxx is an excellent choice for those looking for a classic film stock to fill the void left by the discontinuation of it ' s wonderful sister films , kodak plus - x and txp320 . recommended development in any black and white film developers . an extensive list of developing times for this film may be found at urltoken & the massive dev chart form urltoken
a : unexposed cinestill film should be stored in the fridge and shot within 6 months or frozen . exposed film should be processed promptly in c - 41 chemicals to preserve latent image latitude and color fidelity . processed films should remain in a cool , dark place . c - 41 process uses some of the most archival chemicals available for photo processing today . there have been no scientific tests for the dye stability of ecn film cross - processed in c - 41 but from our tests on film processed four years ago there is no color degradation or fogging of the magenta dye layer . all current productions of cinestill have expiration dates on the packaging . if your film does not have an expiration date it is from early production and is likely age fogged .
with so many choices currently available , it helps to have some understanding of when a particular film excels . looking at cinestill 800t , it is necessary to understand where this film comes from and what it was originally designed to achieve . cinestill 800t is produced from a kodak motion picture emulsion originally designed for shooting in limited artificial , continuous , incandescent light . this film is known in the motion picture industry as kodak vision 3 5219 , the 3rd generation of tungsten balanced ei 500 color negative motion picture film , and is the standard for movies shot on film in hollywood . 5219 , or
19
as it is commonly referred to , is optimized for a hybrid workflow , ideal for scanning , with literally futuristic features ( from a still photography perspective ) .
until now , cinematographers have been spoiled with film technology for years before still photographers got their hand - me - downs in the form of
new
emulsions . today , cinestill brings the wonders of cinema film technology to the still photographer . now , anyone can use film in the same lighting situations as new blockbuster movies and tv shows such as inception , argo , lincoln , all of the batman movies , django unchained , man of steel , les misérables , the master , the new star track films , the star wars films , all wes anderson ' s films , breaking bad , the walking dead , boardwalk empire , and the list goes on and on and on . no more switching to high iso digital or on camera flash in tungsten lit environments , because cinestill is now available to still photographers worldwide ! ”
36 exp . 135 rolls . great rated iso 200 - 2000 ! can be pushed to 3000 ! cinestill 800tungsten is a unique film for still photographers . this 800 speed tungsten balanced color negative film is prepared from the same motion picture film stock used by top cinematographers around the world . this film is designed for difficult low light tungsten situations and may be used in many different lighting situations to achieve a variety of looks .
for my senior thesis we get assigned a personal project , i chose to photograph the city of philadelphia at night with cinestill 800 . the shots came out better than expected ; the overall look the film gives is amazing . plus the wide dynamic range of the film is great for night shooting . i don ' t think there ' s another option out there for my style of shooting . i look forward to their 120 stock !
120 format color negative . great rated iso 200 - 2000 ! can be pushed over 3000 ! cinestill 800tungsten ( 2nd . generation ) is a unique film for still photographers . this 800 speed tungsten balanced color negative film is prepared from the same gold standard motion picture technology used by top cinematographers around the world . this film is designed for difficult low light tungsten situations and may be used in many different lighting situations to achieve a variety of looks .
we are in the midst of an analog renaissance ! we have seen unprecedented growth and interest in film , from young photographers and those returning to their first love . cinestill ' s primary purpose is to fuel this renaissance by increasing current production of analog photography materials and providing new analog tools for photographers . actively fueling the analog film renaissance , through increased interest in photographic materials and securing the continued production and availability of essential motion picture and still photography materials and services .
a : it is important to note that cinestill is not simply
repackaged
motion picture film . we utilize the same advanced emulsion technology found in motion picture film to create a still photography film which is modified for c - 41 processing . this material is converted to a different format and suitable for c - 41 chemistry . compared to the original motion picture stock , 800t responds with a slightly increased gamma yielding an 800 iso tungsten balanced negative , which is optimized for digital and optical still photography processes .
q : what is different about cinestill 50daylight film ? a : 50daylight is a iso 50 / 18° speed daylight balanced ( 5500k ) motion picture emulsion , prepped and rolled for clean safe c - 41 standard development as an iso 50 film . boasted to be the world’s sharpest and finest grain color film ! it is ideal for shooting in bright light at wide apertures and for producing high resolution , low grain images . the exposure latitude of this film is beyond anything digital and even most other films can hope to achieve .
note : this emulsion was designed to be processed in ecn - 2 chemicals and may still be processed in it ' s native chemistry , resulting in a pulled negative with lower gamma . test results show consistent in standard c - 41 machine processing when compared with ecn - 2 motion picture lab processing performed by professional labs . long term archival stability has not been tested past 5 years . expectations for archival longevity should be somewhere between kodachrome and most c - 41 films but there are no guarantees . we will replace any roll that shows any defect . we do not accept any liability beyond replacement of original film purchased . products & services are provided “as is” with no liability , to the extent as permitted by law ; e . g . under no circumstances will cinestill film or it ' s creators be liable for loss and damages , neither direct nor indirect , consequential loss or damages , business interruption . without limiting the foregoing , the creators of cinestill film´s liability arising with respect to an order will not exceed the total fees paid or payable related to a specific order .
note : this film was designed to be processed in ecn - 2 chemicals and may still be processed in it ' s native chemistry , resulting in a 500 iso pulled negative with lower gamma . test results show consistent in standard c - 41 machine processing when compared with ecn - 2 motion picture lab processing performed by professional labs . long term archival stability has not been tested past 4 years . expectations for archival longevity should be somewhere between kodachrome and most c - 41 films but there are no guarantees . we will replace any roll that shows any defect . we do not accept any liability beyond replacement of original film purchased . products & services are provided “as is” with no liability , to the extent as permitted by law ; e . g . under no circumstances will cinestill film or it ' s creators be liable for loss and damages , neither direct nor indirect , consequential loss or damages , business interruption . without limiting the foregoing , the creators of cinestill film´s liability arising with respect to an order will not exceed the total fees paid or payable related to a specific order .
note : this film was designed to be processed in ecn - 2 chemicals and may still be processed in it ' s native chemistry , resulting in a 500 iso pulled negative with lower gamma . test results show consistent in standard c - 41 machine processing when compared with ecn - 2 motion picture lab processing performed by professional labs . long term archival stability has not been tested past 4 years . expectations for archival longevity should be somewhere between kodachrome and most c - 41 films but there are no guarantees . we will replace any roll that shows manufacturing defect . we do not accept any liability beyond replacement of original film purchased . products & services are provided “as is” with no liability , to the extent as permitted by law ; e . g . under no circumstances will cinestill film or it ' s creators be liable for loss and damages , neither direct nor indirect , consequential loss or damages , business interruption . without limiting the foregoing , the creators of cinestill film´s liability arising with respect to an order will not exceed the total fees paid or payable related to a specific order .
q : how do i rate cinestill 50daylight ? good results can be achieved rating this film anywhere from ei 12 to ei 100 without push processing . this means you can set your camera meter anywhere from iso 12 - 100 and change it mid - roll without special processing and get beautiful results ! no matter how you meter , you will see almost no grain but color , contrast , shadow detail and highlight rendering will be affected by the chosen iso you meter at . if you expose at a lower iso you will get warmer images with greater halation in the highlights .
when shooting in these situations , the resulting effect is referred to as halation . points of light surrounded by darker tones will produce a
red glow
or
halo
around strong highlights . the effect is significantly reduced with medium format film due to the larger negative and shallower depth of field . longer lenses also reduce this effect . while it is worth stating that all film can halate , cinestill is particularly sensitive to this effect , so it is worth remembering when choosing this stock . that being said , some people have used this unique quality to achieve some awesome results !
for years i ' ve wanted a high speed , tungsten balanced stock to use for stills just like i ' ve always had with movie film . now that cinestill 800t is here , i feel like i can confidently abandon my digital cameras . i ' ve even shot this under waning sunlight without correction . it ' s easy to balance in scanning ( so long as you have your own scanner at least ) , although i ' d recommend rating it at 500 iso under sunlight , even without a filter . i like the halation effect but that ' s really a matter of taste .
of tungsten balanced ei 500 color negative motion picture film stock behind cinestill 800tungsten emulsion . it is at the forefront of r & d for film technology , because the movie & tv industry is film ' s # 1 client . the emulsions are optimized for a hybrid workflow , ideal for scanning , with literally futuristic features ( from still photography perspective ) . kodak
borrowed
technology from their motion picture department for the new portra films and ektar . this is nothing new though , as any advances in film technology have gone to the highest bidder ( we ' ve gotten the trickle down in stills ) for some time now .
800 in tungsten light when processed in standard c - 41 chemistry . though the original stock ( kodak 500t 5219 ) is recommended to be rated at ei 500 in tungsten light , many cinematographers and filmmakers regularly rate this film at 1000 speed with no push , due to this film ' s amazing shadow latitude , but the ideal iso / ei to rate this film at will always be somewhere between 400 and 800 without push processing . cinestill 800t is designed c - 41 processing though , which causes a slight push in development , resulting in a more dense negative so we have found 800 to be right in the middle of the ideal exposure index range .
companies which
repackaged
old unused motion picture stock , forced the photographer to send the film back for makeshift motion picture lab processing , and generated a motion picture format negative that was compatible with motion picture printing . there are some advantages found in modern motion picture formats and processing e . g . , anti - halation , antistatic , lubricant backing . however , the curves , lower gamma and base can prove problematic for tradition still imaging standards . cinestill film is motion picture film , which is modified and packaged for standard still photography lab processing . it harnesses the same outstanding performance and aesthetics found in many blockbuster films produced today , plus it is optimized for still photography workflows .
original beta testing for 800t began in late 2012 , but the concept and original development tests began years before , when we first started shooting the amazing kodak vision 3 stock for our own photography . we accomplished this back then by shooting a long - roll , 250 exposure , bulk film back and through developing a special relationship with a local motion picture lab . we did this because of the costly minimum lengths required by motion picture labs , and because the more splicing that occurred , the more the film became damaged and contaminated . we found moderate success with this technique , but the real journey to cinestill began when scores of people began contacting us about how they too could use this wonderful film . “
light leaks , which may not show up on other films , may show up in cinestill due to it ' s extra sensitivity to low light and what is called
light piping
which is where light can travel through the acetate causing light leaks inside or outside of camera . be sure your camera ' s light seals are in good condition and if you have a film check window on the back door of your camera it would be a safe idea to tape it off . the key to avoiding light leaks outside of camera is to first ,
load in subdued light
as directed on the packaging and second , to keep the rolls in their light tight packaging or other light tight container , before and after shooting , whenever possible .
q : why is the speed rating of motion picture camera films given in exposure indices rather than asa or din values ? a : there is no ansi standard to determine the speed of these films . the speed of motion picture camera films and the suggested filtrations are determined on the basis of practical picture tests . suitable safety factors have been included to allow for differences in cameras , variation in lighting , etc . the exposure index values should not be regarded as numbers which express the absolute speed or sensitivity of the film , neither should they be regarded as fixed values which can not be changed if the results of repeated tests indicate the need for such changes . q : when should i push cinestill 800tungsten ? a : we recommend push processing for anything over iso 800 . treat this film as an iso 800 speed film when processing in c - 41 and push process whenever needed up to iso 3200 .
repackaged
motion picture film can not be processed in standard c - 41 film processors due to the remjet backing present on motion picture films , which would contaminate the chemistry and damage both the machine and film inside .
a : an anti - halation layer on the film ' s base that acts as to protect from base scratches , static , and halation of highlights in exposure . it was notably used on kodachrome ( k - 14 process ) originally in still photography .
a : halation is the reflection of bright points of light off of the film base and pressure plate causing a
glow
in the strong highlights on some images . this is most evident when light sources are in focus in the photograph . halation is a common characteristic of classic black and white photography and in some aerial photographic emulsions .
a : 800tungsten is designed for difficult low light tungsten situations . it may be used in many different lighting situations to achieve a variety of looks but due to it ' s cool color balance and halation some situations will have a more stylistic look that may or may not be desirable .
double - x is a classic black and white film stock left relatively unchanged since it ' s release in 1959 for still and motion picture use . some of the movies using the classic eastman double - x film stock ( 5222 ) include : schindler ' s list ( 1993 ) , memento ( 2000 ) , kafka ( 1991 ) , casino royale ( 2006 ) , i ' m not there ( 2007 ) , and many many more .
recommended development in kodak d - 96 developer , but is compatible will all black and white film developers . an extensive list of developing times for this film may be found at
static discharge can show up as blue or red marks on the film caused by advancing or rewinding the film at too great a speed , especially in cool dry environments .
a : this film has latitude ! the iso that one chooses to rate this film is dependent on what the permissible light available is .
if you overexpose it ( 100 or 200 ) it will still retain highlight detail and fine grain . if you underexpose ( up to 2000 ) you will still retain most shadow detail .
so long as the shadow detail is preserved , the negative may be scanned to retain the good color and dynamics .
less prevalent / smoother the more exposure a color negative film receives ( due to overlapping of t - grain technology and the tonal blending of the dye cloud ) .
yes ! be sure to use a cto ( tungsten ) gel on your flash if you are shooting 800t and adjust exposure accordingly .
a : always meter negative film in a way that you are sure the shadow point of your images preserve some detail . highlights can be overexposed by a dozen stops and still be scanned to retain detail . with a handheld incident meter , point your meter away from the main light source and make a minimum exposure reading . with in camera or spot meter take your minimum exposure reading from the darkest tone in your scene . anything exposed under that should be expected to remain void of detail .
“compelled by our love for analogue photography , and never ones to back down from a challenge , we came to the conclusion that we had to find a way to make it usable in standard 135 canisters with standard developing . ”
in order to make this technology accessible for any film photographer ' s workflow , and avoid the need for costly long - roll processing with motion picture labs , we knew we had to make the film compatible with any still photography lab in the world . our task was to take this amazing film stock designed for ecn - 2 motion picture processing , and invent a treatment to refashion it to be safe for standard c - 41 still photography processing . this meant we had to find a way to eliminate the rem - jet layer of motion picture film without contaminating the sensitive emulsion . ok , so here is where we had to get creative . . . early research and development proved that a simple alkali bath , and water jet wash to remove the rem - jet prior to exposure highly contaminated and partially developed the film , while washing out some of the precious antenna dyes . and that the remjet layer would exhaust and contaminate the developer if not removed prior to developing , resulting in a horrible mess and worthless negatives . after years of r & d , tens of thousands of feet of wasted film and thousands of hours of experimentation – efficient and clean “premoval” of the rem - jet layer was achieved ! and the results . . . beyond that of any other films available to still photographers today ! ”
processing these amazing film stocks in standard c - 41 machines was not accessible until the hurdles of rem - jet and continuous long roll processing were overcome . our proprietary
premoval
process makes these motion picture ( ecn - 2 ) emulsions safe for processing in standard photo lab machines and in c - 41 chemistry , with fantastic color and a slightly boosted gamma level , compatible with still photography paper and post production . ”
800tungsten high speed color film , 35mm 135 / 36exp . ( iso 800 )
bwxx ( double - x ) black & white film , 35mm 135 / 36exp . ( iso 250 ) . . .
tmax p3200 tmz 35mm is back ! 35mm 135 / 36exp . ( iso 3200 ) . . .
cs41
color simplified
quart kit for color processing at home . . .
our proprietary
premoval
process makes motion picture film safe to process in standard c - 41 photo lab chemicals or at home . this emulsion is optimized for a hybrid workflow ideal for scanning , and when processed in c - 41 chemistry it can be optically printed on ra - 4 paper . treat this film as a high speed 800 iso film when processing in c - 41 and push process whenever needed up to 3200 iso .
50daylight fine grain color film , 35mm 135 / 36exp . ( iso 50 )
our new and improved proprietary
premoval
process makes motion picture film safe to process in standard c - 41 photo lab chemicals or at home . this emulsion is optimized for a hybrid workflow , ideal for scanning , and when processed in c - 41 chemistry it can be optically printed on ra - 4 paper . treat this film as a 50 iso film when processing in c - 41 and push process whenever needed .
our new and improved proprietary
premoval
process makes motion picture film safe to process in standard c - 41 photo lab chemicals or at home . this emulsion is optimized for a hybrid workflow , ideal for scanning , and when processed in c - 41 chemistry it can be optically printed on ra - 4 paper . treat this film as a high speed 800 iso film when processing in c - 41 and push process whenever needed up to 3200 iso .
finally , a modern monobath solution for modern film photography ! this easy to use solution is not only ideal for beginners interested in developing their film at home for the first time , but will also improve the results of veteran darkroom enthusiasts as well . try it yourself to become a monobath believer ! df96 ships worldwide from urltoken and will also be available through our dealers . visit to our dealers page to find a shop near you or speak with your local shop and ask them to stock it . long live film !
content including intense points of light ( ie . christmas lights or bright windows )
kodak professional t - max p3200 black & white negative film ⁄ 3200tmz is a multi - speed continuous - tone panchromatic black - and - white negative film that combines high to ultra - high film speeds with finer grain than that of other fast black - and - white films . it is especially useful for very fast action ; for dimly lighted scenes where you can’t use flash ; for subjects that require good depth of field combined with fast shutter speeds ; and for handholding telephoto lenses for fast action or in dim light . it is an excellent choice for nighttime photography .
to preorder this reanimated film stock simply add it to your cart from our product page .
“it’s no secret that we’ve been looking for opportunities to expand our portfolio” said dennis olbrich , president – kodak alaris paper , photo chemicals and film . “darkroom photography is making a comeback , and b & w film sales are clearly on a positive trajectory . given these very encouraging market trends , we believe p3200 tmz will be a great addition to our lineup” .
html public
- / / w3c / / dtd xhtml 1 . 0 strict / / en
urltoken
this item ' s price has dropped . take advantage while the savings lasts !
b & h ; only collects sales tax on orders shipped to addresses in the states of new york and new jersey .
you may be responsible for state and local sales / use taxes when filing your tax returns . please check your local sales tax laws .
high - speed iso 800 / 30° tungsten - balanced movie stock has been packaged and prepared for use in still cameras .
unique
premoval
stage eliminates the rem - jet anti - halation layer to make it suitable for c - 41 processing . processing can also be done with ecn - 2 chemistry without worrying about the rem - jet layer .
a fantastic film for shooting under tungsten and mixed artificial lighting . i ' ve shot through a bunch of this stuff lately and getting my local lab to develop it , scanning it myself has been easy , and i ' m very happy with the results . not only is this film extremely helpful for those shooting under tungsten lighting , but it opens up a whole new world of creativity for those looking to shoot indoors or under the city lights at night . this will have a permanent place in my film fridge , over all a wonderful film to work with , scan and / or print . it also looks great under natural light when metered around iso 400 or 500 . i have been mostly shooting it at box speed , of iso 800 or even 1000 without a push , and the results have been very pleasing for me .
i ' ve used this film for indoor and outdoor shooting , day and night . it performs better than fujifilm 1600 for night time urban photography ( i shot the sf wharf using it ) . i ' ve also shot indoor performances without flash , and used it with an 85a filter for bright daylight photography . the film does react a bit to bright street lights , giving them a distinctive reddish flow and halo , and it is very light sensitive , so load it in the dark . i ' ve shot a dozen rolls , and had great success . it also scans very well .
this film is tungsten balanced so for artificial lights it looks different then what you ' ll get from lets say kodak portra 400 . the film creates this halation from strong light source , and i think this could be a like or dislike situation because at time its eye distracting i think . also this film is not cheap so i ' ll stay away from using it for random street photography . i think this could be a really nice night portrait film though .
there are a few idiots who have said that this is basically portra film . this is incorrect , as portra is a daylight - balanced film , and this is tungsten - balanced . this is kodak 35mm movie film that has been cut and packed into 135 cartridges , but because it is not pre - exposed with frame indices and bar codes , it will not work with automated processing and the frames will not be indexed . keep in mind that tungsten means it was designed to work in conjunction with incandescent cinema lighting , not mercury , sodium , fluorescent , or other incandescent white balances , so don ' t expect consistent results if you aren ' t familiar with the type of lighting you ' re using . electronic flash will look too blue , and you probably won ' t need flash anyway , but it works well with clear or amber - coated flashbulbs . i ' ve gotten exceptional results at night without flash , shooting at 6400 iso . be aware that because the remjet layer is gone , you will see halos around bright spots , so use them to your advantage . when in doubt , it is better to underexpose than to overexpose this film . the purpose of this film is not to make your photographs look like movie stills , but to create unique effects and give you more flexibility when shooting in low - light situations . i would say this is the best high - speed tungsten film currently in production .
i shot this on a pentax me se with the pentax - m 50mm f / 1 . 4 . i metered for iso 1250 and pushed it 2 stops when processed . the results were awesome ! scans really well , too .
bvseo _ bulk , prod _ bvrr , vn _ bulk _ 2 . 0 . 8
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) [ 1 ] and equipment financing through its subsidiary signature financial llc [ 2 ] . signature securities is a licensed broker dealer and investment adviser .
, offering our customers the highest level of security available to banking institutions . acquiring a . bank domain ensures that you are banking with a trusted and verified bank . all . bank domains are required to meet robust security technologies and practices , and only verified members of the banking industry can register a . bank domain . thank you for banking with signature bank !
signature bank , one of the city ' s fastest - growing financial institutions , said that former congressman barney frank would join its board .
bank of america national trust and savings association , petitioner , v . gilbert s . parnell . bank of america national trust and savings association , petitioner , v . first national bank in indiana .
to speak with a member of the national bank of commerce signature banking team , please call 218 . 740 . 2348 or email dberg @ urltoken .
[ 1 ] signature securities group corporation (
ssg
) is a registered broker dealer , registered investment adviser , and licensed insurance agency . ssg , member finra / sipc , is a wholly owned non - bank subsidiary of signature bank . signature securities group is not a tax advisor . we suggest you consult your personal tax advisor before making tax - related investment decisions . ↩
signature bank ® ( nasdaq : sbny ) is a full - service commercial bank with offices in the five boroughs of new york city , as well as nassau , suffolk and westchester counties in new york and fairfield county in connecticut .
riza , who did not return phone calls or e - mails , wrote the world bank earlier this week that she had not wanted to take the assignments outside the bank , according to a letter released by the bank .
investors claim signature helped a money manager pull off a $ 66 million fraud by ordering him to shift money around accounts he held at the bank to cover overdrafts .
download signature securities sec rule 606 quarterly report for the quarter ending march 31 , 2018 .
signature bank marks the spot where some professional new yorkers bank . the institution provides customized banking and financial services to smaller private businesses , their owners , and their top executives through about two dozen locations in the metropolitan area . it . . .
chicago - based signature bank provides accessible , strategic and highly individualized services , along with a customer experience that goes beyond the numbers . and that makes all the difference .
overwhelmed by paper checks ? the signature bank corporate credit card is here to help you streamline payment systems , reduce processing costs , and improve overall efficiencies in your business .
a relationship with signature bank — to which mr . landberg introduced mr . bey — was a selling point . mr . bey said he was able to refinance a $ 500 , 000 mortgage through signature even while temporarily unemployed . later , when he wanted to buy a car , signature was quick to arrange $ 30 , 000 in funds , he said .
the lawsuit contends signature knew mr . landberg was running a fraud and failed to stop him .
a spokeswoman for signature said the bank “vigorously denies” any accusations of wrongdoing , saying it was also a victim in the fraud and did not benefit from mr . landberg’s actions .
instead , mr . landberg was using the money to fund his “exorbitant” lifestyle , the lawsuit said , and to cover unsecured loans from signature bank and redemptions from early investors .
signature bank really took the time to understand my needs and structured a loan which accomplished all three of my goals , i could not have been more satisfied with the results .
signature bank ® was created to provide talented , passionate , and dedicated financial professionals a supportive environment in which they can conduct their practice to the maximum benefit of their clients .
it was important to have one person i could go to whenever i had questions and signature’s sba lending team were extremely helpful . throughout the process , from beginning to close i felt valued . if you want personal service and fee free checking options with greater lending flexibility , choose signature bank .
signature needed investors to keep their deposits in the bank so it could cover the accounts that mr . landberg habitually overdrew , including accounts holding investor money as well as mr . landberg’s personal accounts .
national metropolitan bank v . united states . | us law | lii / legal information institute
frank sits on the board of signature bank , a 15 - year - old bank that boasts $ 33 billion in assets and turned a record profit last year of $ 373 million . of the $ 18 , 000 the bank donated to congressional candidates during frank’s last election cycle , the massachusetts lawmaker received $ 2 , 400 , according to data from the center for responsive politics .
for ralph black , his choice to use signature bank started with the attractive , competitive pricing , and it quickly became apparent after a few months the way they made him feel was only getting better .
signature bank is one of america’s 50 largest banks out of approximately 6 , 000 banks nationwide , and has been ranked by forbes as one of the 10 best banks in america for six consecutive years .
in the complaint , the investors’ lawyer , wes christian , said that “signature knew landberg was operating a house of cards and knew returning checks on overdrawn accounts would make it collapse , so signature used that threat to force landberg to transfer funds . ” the complaint adds , “signature should have stopped the crime but instead perpetrated it . ”
signature securities operates as a full - service securities firm offering both investment advisory and traditional brokerage services . signature securities financial advisors strive to meet the financial goals of our clients–private business owners , executives and employees–and our institutional clients .
from early 2008 to january 2009 , more than 70 transfers involving $ 10 . 8 million were made among the signature accounts , including a $ 251 , 400 transfer to a personal account at another bank .
“for ralph black , his choice to use signature bank started with the attractive , competitive pricing , and it quickly became apparent after a few months the way they made him feel was only getting better . ”
when the time came for harris interiors to acquire some permanent office space , the large bank kelley was a client of for years could not see the way to provide financing . that was when kelley followed up on a referral from a friend to try signature bank . like his business philosophy , kelley wanted to enjoy…
signature bank provides the personal banking experience you have longed for but didn’t know was possible . this means service that goes the extra mile , bankers who know you and your family , and a can - do attitude .
you work hard for your money . we work hard to keep it safe . signature bank has invested in the latest technology and a multi - tiered approach to help protect you from fraud , online predators and security breaches .
bank of hawaii moves up three spots to rank second this year . the $ 15 billion bank remained very conservative in its underwriting strategy during the housing bubble and maintains low levels of npls . bank of hawaii ranked up the best return on equity over the last 12 months of any bank at 15 . 5 % . rounding out the top five best banks are bankunited , svb financial group and state street .
signature would not be the first bank caught up in a fraud involving money moving in and out of its doors . two years ago , jpmorgan chase paid $ 2 billion to settle bank secrecy act violations in connection with its dealings with mr . madoff , the perpetrator of an enormous ponzi scheme that came to light in 2008 .
the woman at the center of the storm surrounding world bank president paul d . wolfowitz has spent the past few months trying to get one of the signature efforts of president bush ' s middle east democracy campaign off the ground .
signature’s president , freddie deutsch , and every member of his team expressed their genuine interest in my business opportunity from day one . all commitments made by the bank , were met . they didn’t allow the big bank bureaucracy to slow down the process . our timeline was challenging , but they delivered . i can’t imagine i ever considered another…
bank of america moves up seven places to no . 88 . profitability has been hammered by legal probes with many tied to the bank’s acquisitions of countrywide financial and merrill lynch during the financial crisis . bank of america was hit with a record $ 16 . 7 billion settlement of government mortgage probes in august . the $ 2 . 1 trillion bank was the only one of the big four to post increased revenue over the past year .
signature focuses primarily on the needs of privately owned businesses with at least $ 20 million in revenue . but depaolo says the bank will also target a law firm with $ 2 million in billings because it has a $ 35 million escrow account . “this is where we thrive because that client gets lost with the big institution , ” he says . signature’s attention to law firms helped it get named best business bank by the new york law journal this year in their annual reader survey .
as a commercial bank catering primarily to privately owned businesses , signature bank knows firsthand the importance small business plays in the health and vibrancy of our nation ' s economy ,
frank said in a statement .
i am excited to be part of all this in my new capacity as board member and in working with the other directors and management .
the cozy relationship signature had with the money manager and his now - bankrupt investment firm helped advance the scheme , according to the lawsuit .
by providing a level of service that is simply unparalleled in the banking industry , we can say ,
service is our signature .
signature plaza / 3878 n . crossover rd . p . o . box 8550 fayetteville , ar 72703 phone : ( 479 ) 684 - 3700
in a lawsuit in a florida state court , the investors are suing signature , accusing it of helping the money manager pull off his ponzi scheme by ordering him to shift money around the dozens of accounts he kept at the bank to cover long - term overdrafts .
“signature bank itself lost several millions of dollars as a result of landberg’s fraud , ” the spokeswoman , susan lewis , said in a statement . “we understand that plaintiffs’ attorneys are looking for any deep pockets and that these types of suits have become all too common . ”
the top - ranked bank this year is ontario , calif . - based cvb financial . cvb is the holding company for citizens
bank , which has serviced southern california as well as the central valley area for more than 40 years . it is the 93
“we look forward to these allegations being determined as false , and the claims denied , ” the bank said in its statement .
the new restrictions on executive compensation and dividend payouts has made aid from the troubled asset relief fund less palatable to bank managers .
signature chicago wealth management is personally invested in your success . our mission is to provide personalized , comprehensive investment advice to help you reach your financial goals .
signature , which launched in 2001 , has about $ 29 billion in assets and serves primarily small businesses around new york . it has few retail branches .
national bank of commerce is not responsible for and has no control over the subject matter , content , information , or graphics of the websites that have links here . please contact us with any concerns or comments . © national bank of commerce . all rights reserved .
regions bank ( “regions” ) appeals from an order of the madison circuit court denying its motion to compel arbitration . we reverse and remand .
our tile & stone business seemed too small for the big banks . then someone recommended signature bank . their sba lending team understands small business . they know time is of the essence – and they went beyond the call of duty to structure a deal that helped us buy the building we had been renting for…
restaurant loans are tough , but the sba lending team at signature bank was very gracious , helpful and professional . they not only helped us correctly structure the loan , they were as excited as we were ! they are like community cheerleaders for small business . now we see them and their other clients all the time for lunch…
the overseas market looked promising for my chinese herbs and supplements business , ” said warren cargal of acupuncture atlanta . “but to make it work , i needed funds to upgrade my website and export infrastructure . that’s where signature bank came up with an innovative solution : refinancing current debt with an sba loan which provided favorable terms that…
for 17 years i’ve trusted my banker , nicole klein , with my financial needs and having her with a local community bank like signature ensures she can continue to customize solutions for me . the respect , advice , and responsiveness i receive from nicole and her team leave me confident that my practice and i are a priority . …
investors filed suit against signature this year after the company lost $ 66 million of investor cash in a scheme run by william landberg , a money manager , who pleaded guilty to the crime in 2011 . investors allege that signature helped landberg by ordering him to shift money around dozens of accounts to cover up long - term overdrafts , according to the new york times .
he eventually persuaded a german bank to lend him $ 8 . 5 million to pay off some investors , maintaining the illusion that his strategies were performing .
it ' s the first time the co - author of the landmark dodd - frank reform law has joined a bank since leaving congress two years ago .
“as a businessman for nearly 30 years i can truly say i have never had a comfort level to this degree with a bank . i have always dealt with local community banks but this one is different . bank presidents i’ve encountered tend to put a buffer between their clients and themselves . not freddie deutsch . i…
he also moved investor money out of an account at signature that was supposed to be left untouched and used it for unauthorized purposes , including $ 1 . 5 million for himself and his family .
signature has racked up an impressive financial performance . it has posted 20 straight quarters of record earnings . return on average equity of 13 . 8 % over the last 12 months ranks fifth among the 100 largest banks . the bank also ranks in the top five for nonperforming assets as a percent of total assets ( 0 . 1 % ) , nonperforming loans ( npls ) as a percent of total loans ( 0 . 15 % ) and reserves as a percent of npls ( 634 % ) . while many banks are struggling to increase revenue , signature posted growth of 21 % over the past year . wall street recognizes the level of signature’s asset quality and performance , as the stock trades at 2 . 5 times book value , third most expensive among the 100 biggest banks .
citigroup’s return on average equity fell to 4 . 5 % this year from 6 . 4 % and ranked 90 th overall . the bank’s risk based capital ratio and tier 1 risk based ratio are also both down and now rank in the bottom half of big banks . the leverage ratio for the country’s third biggest bank jumped nearly a full percentage point to 9 % . lastly , revenue growth continues to be a challenge for the $ 1 . 9 trillion bank with revenues down for the fourth straight year .
top heavy , doesn ' t promote within . a lot of lower level managers have been there since the bank opened and won ' t move other employees up that deserve it
former rep . barney frank ( d - mass . ) announced wednesday he is joining signature bank ' s board of directors . the former chairman of the house financial services committee was instrumental in drafting the 2010 dodd - frank wall street reform law , which shares his name . the pairing seems odd , given that frank has frequently worked for more banking regulations often opposed by the industry .
the nation’s biggest bank , jpmorgan chase with $ 2 . 5 trillion in assets , clocked in at no . 73 , down 19 spots . revenues fell 4 . 6 % and the bank’s risk ratios were also down . the bank paid nearly $ 20 billion in 2013 to resolve various legal issues . it remains a problem with an unexpected legal expense of $ 1 billion related to a foreign - exchange probe surprising analysts in its latest quarter . jpmorgan’s net interest margin of 2 % is the sixth - lowest among the 100 biggest banks .
a pair of aggressive american hedge funds is suing the french bank bnp paribas , alleging that it botched a $ 650m ( £531m ) islamic bond backed by a controversial gulf tycoon .
coming in with the best scores in both the large and mid cap segments are insurance outfits cincinnati financial corporation and erie indemnity company , both with average agrs of 99 . following close behind with an average agr of 98 is westamerica bancorporation , the mid cap holding company of regional community bank westamerica bank . community trust bancorp ranks first among small cap companies , with an average agr of 95 .
the appointment is mr . frank ' s first to a bank board since retiring from congress in 2013 . he succeeds former board member alfred delbello , a onetime lieutenant governor who died last month .
minnesota bank & trust was named on the list of wealth management firms by minneapolis st . paul business journal , and is considered among the best in our industry . thanks to mspbj for the recognition .
some of the money made its way from signature accounts holding west end investor money to mr . landberg’s personal accounts , used to pay for a driver , garage expenses , charitable and political contributions and personal expenses charged to an american express account .
bank wherever you happen to be , day or night , 24 / 7 with our mobile banking solutions . this ensures efficiency , improves cash flow and keeps you up - to - date in real time .
puerto rico - based doral financial ranks last for the third straight year . the island ' s biggest bank has been hampered by puerto rico ' s nearly unbroken eight - year recession . the gap between doral and no . 99 hudson city bancorp is severe with doral posting the worst results of any bank in six of the nine metrics we measured . doral ' s stock is off 76 % over the past year .
the lawsuit cites correspondence between mr . landberg and signature executives acknowledging that money should not be transferred from certain accounts because it was investor money and violated the account agreement . still , money was moved to cover hundreds of thousands of dollars in overdrafts and related charges .
in october 2011 , mary n . rice opened both a savings account and a checking account with regions . rice opened each account by signing a one - page signature card indicating that she was agreeing to certain terms . among other things , the signature cards provide : “by signing below , i ․ ( a ) agree to be bound by the terms of [ regions ' ] deposit agreement ․ [ and ] ( b ) acknowledge receipt of a copy of the applicable deposit agreement . ” the deposit agreement referenced by the signature cards contains a broad arbitration provision giving either party the option of arbitrating “any controversy , claim , counterclaim , dispute or disagreement” between them . the arbitration provision also contains a provision ( “the delegation provision” ) requiring an arbitrator to decide any threshold dispute regarding the arbitrability of a particular controversy .
entering our 13th year as the only community bank headquartered in sandy springs , we are honored to serve the metro communities with a boutique - style approach that focuses on the individuality of our clients and helping fulfill their financial aspirations .
the banking industry has largely recovered from the financial crisis of 2007 - 08 . there were only eight bank failures last year compared to 157 in 2010 . the fdic’s problem bank list stood at 203 in september , the lowest level since 2008 , compared to a peak of 888 in march 2011 . but the december rate hike by the federal reserve brings uncertainty as banks grapple with the question of whether more rate increases are coming and how quickly , or if rates will stay closer to zero for longer .
“over a 40 - year career in elected office , i not only took contributions from [ the finance ] industry , i requested them , ” he wrote in politico in december in a piece entitled “yes , i took bank money . and it made me a better regulator . ”
biggest bank in the u . s . and ninth - largest headquartered in california , with $ 7 . 6 billion in assets . cvb has been incredibly consistent , logging 154 straight quarters of profitability , even through the depths of the financial crisis , and 105 consecutive cash dividends .
it isn ' t clear how much money mr . frank will make from his new job , but signature typically pays its directors about $ 60 , 000 a year in cash and also pays them in stock . mr . frank was granted 1 , 913 shares with a market value of about $ 280 , 000 that will vest next march .
west end financial advisors had 37 accounts at signature , some of them mr . landberg’s and others for his business and investment funds . as of april 2009 , it had 110 investors who thought they held stakes in a variety of private alternative investment funds focused on real estate projects or credit and other fixed - income strategies intended to generate steady returns .
the bond , known as a sukuk , was backed by property and a note from al - sanea promising to honour his debt if the structure collapsed . fortress and cyrus allege that bnp paribas failed to make sure that al - sanea’s signature on the note was a “wet - ink original” , meaning that it was not “properly executed as a matter of…
mr . frank ' s name is on the dodd - frank act , a financial reform law that is highly unpopular among many bankers . but officials at signature said they are happy to have mr . frank join their boardroom .
we specifically seek members … who share diverse perspectives and possess strong decision - making capabilities ,
said chairman scott shay .
there is a massive gap in size between the four biggest u . s . banks and everyone else . wells fargo with $ 1 . 75 trillion in assets is the fourth biggest bank and four times bigger than u . s . bancorp , which ranks fifth in size . the entire big four , which also includes jpmorgan chase , bank of america and citigroup , have a combined $ 8 . 1 trillion in assets . these four banks operate on a different business model with non - interest income often representing 60 % or so of revenue , compared to 20 % at many of the other top 100 banks .
among those suing signature is the former television talk show host richard bey , a childhood friend of mr . landberg’s . the two attended far rockaway high school in queens , n . y . , together . ( it also happens to be the alma mater of bernard l . madoff . ) many of the other investors were also former close friends or associates of mr . landberg’s .
riza moved to the foundation in december 2006 to become senior adviser to its executive committee and board of directors , according to documents released yesterday by the world bank . the one board member from the united states is retired supreme court justice sandra day o ' connor , who was traveling yesterday and could not be reached for comment .
none of the big four could crack the top 50 , with wells fargo the top performer at no . 52 . snl’s clark credits wells’ strong management team for the company’s performance . wells’ 17 . 6 % return on average tangible common equity ranks 10 th overall . jpmorgan ranks no . 62 , followed by citigroup at no . 74 and bank of america at no . 90 . wells fargo was the only one to post positive revenue growth over the last 12 months . wall street has a similar take on the big four . bank of america and citigroup are the cheapest stocks at 0 . 7 times book value . jpmorgan clocks in at 1 . 1 with wells at 1 . 6 .
prosperity bancshares , headquartered in houston , moves up four spots to no . 3 this year . the $ 22 billion bank has the highest return on average tangible common equity at 22 % . the average for the 100 largest banks is 12 % . prosperity also fares well for its efficiency ratio , return on average assets and low level of nonperforming assets .
wells fargo ranks no . 82 overall , down nine spots . wells remains the most profitable of the banking giants with return on equity at 13 . 1 % ( sixth overall in the top 100 ) , but the bank is still plagued by high levels of nonperforming loans and assets due to its large mortgage portfolio . the stock is up 24 % over the last 12 months .
in march 2015 , rice sued regions , alleging that regions was liable for a fall she suffered on regions ' premises . regions filed a motion to compel arbitration , citing the arbitration provision in the deposit agreement . rice opposed the motion to compel arbitration , arguing that her claim is not arbitrable . specifically , rice argued that her claim is beyond the scope of the arbitration provision . she also argued that the arbitration provision is invalid , void , or unenforceable because , she said , she did not have an opportunity to read the arbitration provision before she signed the signature cards , the signature cards “included” the arbitration provision by reference rather than including it in the document she signed , and the arbitration provision is unconscionable . in response , regions argued that , under the delegation provision , an arbitrator must decide the threshold issues of arbitrability raised by rice in opposing arbitration . regions also addressed the merits of rice ' s argument regarding arbitrability , arguing that her claim against it is arbitrable .
last year’s top 50 banks returned 7 . 2 % on average in the stock market , twice the return of the bottom 50 . puerto rico’s doral financial , which ranked last three straight years , was one on the eight banks to fail last year . it was the largest u . s . bank failure since 2010 . doral was plagued by improper accounting and puerto rico’s nearly decade - long economic slump .
as your financial needs grow and evolve , we have the acumen and expertise to keep pace . at national bank of commerce , our financial experts bring a unique perspective to help you plan for your future . and we do it all with a level of personal service that will rewrite your standard of what exceptional service looks like . no matter what your financial future holds , nbc stands ready to help you make more possible .
cvb ranked among the top 15 in half of the 10 metrics we used to rate the banks . its net charge - offs as a percent of average loans were the lowest in the country and its risk - based ratios also ranked among the best . cvb’s stock is up 11 % over the past year compared to 1 % for the widely followed kbw bank index . the stock currently trades at 1 . 9 times book value .
one side effect of the chase manhattan corporation ' s acquisition of j . p . morgan almost two years ago was supposed to be that consumers in new york city would have little room for choice , industry experts and commentators said . after all , consolidation over several decades had transformed new york from a city with several dozen big banks to a place with only three major choices : chase , citibank and the bank of new york .
the renewed health of the financial industry has led to increased m & a activity . there were 272 deal announcements this year in the banking sector through dec . 14 , according to charlottesville , va . - based financial data provider snl financial . this compares to 214 over the same period in 2013 . there were only 152 deals in all of 2011 . “we are seeing a relatively healthy industry at the moment , ” says snl bank analyst tyler hall .
a letter dated oct . 1 , 2006 , from anwar ibrahim , the foundation ' s chairman , to robin cleveland , wolfowitz ' s counselor , said that if riza moved from state to the foundation , she would recruit staff , supervise the hiring and training of senior management in the middle east , identify programs to receive grants and supervise the implementation of policies on programs , finances and administration .
the bank concurs with this proposal ,
cleveland handwrote on dec . 14 , 2006 .
since september 2005 , the world bank has paid riza ' s salary - - which under the terms of a contract dictated by wolfowitz included automatic raises that has brought it to $ 193 , 590 tax - free - - while she was seconded to the state department to assist on middle east democracy issues . there , she worked under elizabeth cheney , who was then principal deputy assistant secretary ; wolfowitz worked for cheney ' s father as an undersecretary of defense in the george h . w . bush administration .
the news isn ' t all good for the banking industry . the four biggest u . s . banks have racked up $ 122 . 5 billion in crisis and mortgage - related settlements , according to snl . bank of america leads the way with $ 73 . 5 billion in levies . another concern : net interest margins thanks to the extended low interest rate environment . “margins are still on the compressed side , ” says hall , who points to snl data showing net interest margins of 3 . 12 % in the third quarter at their lowest level since 1991 .
former u . s . rep . barney frank is seen in new york city , march 17 , 2015 .
sen . bernie sanders smiles during a rally at indiana ' s purdue university in fort wayne , may 2 , 2016 . he won the indiana primary the next day .
the past few months of national politics have been dominated by speculation that the republican national convention could turn ugly . it now appears the democrats are headed toward their own version of convention conflict .
frank ' s appointment could prove to be a hurdle for sanders , who says he should be able to influence the democrats ' platform since he piled up a significant number of votes and won many states during the nominating season . one of the issues he is almost certain to push is wall street banking reform , which has been a cornerstone of his campaign message .
between 1989 and his retirement in january 2013 , frank raked in more than $ 1 million worth of campaign donations from the securities and investment industry , according to crp data . more than a third of that cash haul came during the 2010 election cycle , when frank was involved in sculpting new wall street rules — which some critics including sen . sanders say did not go far enough to rein in the industry after the crisis .
in 2012 , frank told npr that such donations inevitably influence those in position to wield political power .
people say , ' oh , it doesn ' t have any effect on me , '
he said at the time .
well , if that were the case , we ' d be the only human beings in the history of the world who on a regular basis took significant amounts of money from perfect strangers and made sure that it had no effect on our behavior .
in the months before his appointment to oversee the democratic party’s platform , frank has touted all the money he accepted from the financial industry .
of late , though , frank has changed his tune . while promoting clinton’s candidacy , he has called the vermont senator “mccarthyite” for demanding clinton release transcripts of her paid speeches to wall street groups . frank has also started arguing that his own willingness to take finance industry cash was a good thing .
“since retiring three years ago , i have again not only accepted fees from financial companies and finance groups , but i’ve solicited opportunities to do so through my agents . i’ve also served for two years on the advisory board of first alliance , a company that deals with residential mortgages . ”
the former house member argued , “by demonizing finance - industry contributions , we’re effectively insisting that instead of 80 percent of the industry’s contributions going to opponents of regulation , it should be 95 percent or more . is this money corrupting ? in my own experience , it’s more reasonable to see it as a form of political self - defense unlikely to dilute their support for reform . ”
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credit quality has improved for the banking industry , but increased growth and profitability remain challenging in a low interest rate environment . the net interest margin for banks was 3 . 02 % in the first quarter of 2015 , which was a 30 - year low according to the fdic . “big banks have been forced to raise a lot of equity and raise expenses to comply with all of the regulatory orders , ” says snl financial senior analyst robert clark .
with that in mind , forbes turned to charlottesville , va . - based financial data provider snl for raw numbers that shed light on growth , credit quality and profitability for the 100 largest banks and thrifts . forbes used 10 metrics to rank america’s best banks . ( click here for a detailed methodology and a complete ranking of the 100 biggest banks ; the data was drawn from regulatory filings through sept . 30 ) .
- follow me on twitter or facebook . read all of my forbes stories here .
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law360 , new york ( march 30 , 2012 , 7 : 01 pm edt ) - - the u . s . securities and exchange commission will seek up to $ 13 million in its suit against a former officer at failed new york investment firm west end financial advisors llc , whose ceo has already admitted involvement in criminal fraud , the agency said friday .
the commission will ask for up to $ 135 , 000 in penalties for each of the 97 investors west end ' s former chief financial officer steven gould allegedly defrauded , sec lawyer howard a . fischer told u . s . district judge p . kevin castel at a hearing friday . . . .
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earlier this month , forbes released the 2014 list of the america’s 100 most trustworthy companies , based on data from proprietary ratings provider and investment advisor gmi ratings . the list included publicly - traded north american companies of all sizes and industries except one : financial companies , more specifically , banks and insurance companies .
james kaplan , director of gmi ratings , says that measures taken in the wake of the financial crisis have led a high number of financial institutions to rank among the most trustworthy in america , according to gmi’s criteria . the dominance of this particular industry led kaplan to generate a separate list of the 50 most trustworthy financial companies .
“in 2012 and 2013 , governance and transparency has really improved , ” says kaplan . “ [ financial companies ] took on a lot of speculative risk and the regulatory agencies have really been on their backs to clean up their balance sheets , income statements , and lending policy . ”
to develop lists of trustworthy organizations , gmi reviews the accounting and governance behaviors of more than 8 , 000 publicly - traded companies in north america . in assessing each company , gmi considers factors including high - risk events , revenue and expense recognition methods , sec actions , and bankruptcy risk as indicators of a company’s credibility .
these factors are used to develop
aggressive accounting and governance risk
( agr ) numbers , the final composite by which organizations are scored . companies appear on the list divided into categories by market cap size , along with their current agr and average agr over the past four quarters .
kaplan stresses that companies that don ' t make the list aren ' t necessarily untrustworthy - - these are simply the 50 with the highest scores for the past four quarters of the fiscal year .
kaplan says that a shift among regulatory agencies from a
watchdog
to a
policeman
stance has prompted many of the more visible changes among financial institutions , which have led in many cases to less risk and greater transparency .
you look at a few things : ceo and chairman are the same person , that used to be very common and it’s kind of disappearing . the amount of loans in the very high risk category were substantially higher . loan loss reserves were very low .
so what’s the takeaway for investors ? as with the most trustworthy companies list , inclusion on the list doesn ' t necessarily indicate an investment blockbuster , but it does mean that good or bad , what the investor sees is what the investor gets—a metric that many investors find particularly meaningful post - crisis .
“if you’re interested in investing in any of the companies on this list , you can be really comfortable that what you’re reading about them is an honest reflection of what’s going on in the company , ” says kaplan . “that doesn ' t mean it’s good or bad—but when you read it , you can believe it . ”
gmi ratings and its affiliates , directors and officers of the company may own stock or options to purchase or sell stock in the companies mentioned on our website and in our publications and may elect to increase or decrease the size of these positions at any time . gmi ratings , however , is not directly or indirectly compensated for the specific views , opinions or recommendations expressed in its research reports . this document is for information purposes only and is not to be considered a solicitation to buy or sell any security . neither gmi ratings nor any other party guarantees its accuracy nor makes any warranties regarding its usage . modification or reproduction of this report is forbidden without explicit permission . ©2014 gmi ratings
sizzling deposit and loan growth has transformed it from a start - up to one of the biggest american banks , with $ 33 billion in assets . last year , profit hit a record $ 373 million .
but all of its success — partly a result of its mantra to deliver top - notch service to its small and midsize business clientele — could not shield it from a ponzi scheme that lost $ 66 million of investor money and sent a money manager to federal prison for three and a half years for securities fraud .
william landberg , the money manager at the heart of the scheme , has already completed his sentence after pleading guilty in 2011 , but the investors say they still have not recovered their money . mr . landberg’s firm , west end financial advisors , filed for bankruptcy in 2011 .
mr . bey , who is 64 , kept in touch with mr . landberg through the years and started investing through the west end firm in 2002 .
“the convenience of it was incredible while it was working , ” mr . bey said in a recent interview .
when west end collapsed , mr . bey lost nearly $ 500 , 000 . left with just $ 203 to his name at that point , he says he was forced to borrow $ 30 , 000 from friends and run up $ 60 , 000 on his credit cards to pay his manhattan rent and regular expenses . eventually , he moved to florida , where he lives in a beach condominium that he and his brothers inherited from their father . “my life has been irrevocably changed by this . ”
prosecutors and lawyers for victims had claimed jpmorgan chase turned a blind eye to what should have been viewed as suspicious activity .
banks have recently faced heightened scrutiny for their efforts to shore up online security and anti - money - laundering efforts after a string of prominent data breaches .
mr . landberg pleaded guilty in 2011 to one count of securities fraud . prosecutors said he misled his investors into thinking their money was in stable investments when in fact his strategies were failing and he began to misuse investor assets to cover losses .
in some cases , mr . landberg told investors that their money would be put in “blue chip fortune 100 companies” and that his objective was “preservation of capital . ”
west end’s investors — many of them older residents of manhattan who once worked in the psychoanalysis field — are reeling from their losses . some say privately that they have had to significantly scale back retirement plans or return to work .
darren conte , a former information technology employee at goldman sachs who now runs his own financial tech start - up , says he invested in one of the firm’s funds in early 2009 , after years of urging by a friend who worked at west end financial . according to the lawsuit , he lost $ 188 , 000 .
he noticed something was amiss when he got one statement in early 2009 and none after that , and the statement he did get looked like the invoice for landscaping services .
“i felt lied to , ” mr . conte said . “i had to clear my head and move forward with a giant lesson learned . ”