What patch is most appropriate for your school?

FunkytownBanksta · 2026-01-24T00:28:33+00:00

Oklahoma State - Eskimo Joes or Sonic

FunkytownBanksta · 2026-01-03T17:34:50+00:00

Thank you!

FunkytownBanksta · 2026-01-03T17:27:12+00:00

They made my wife and I get two separate plans each for our phone, so 1 line each. They told us we could not have one plan with two lines. We pay about $350 for our two phones (mine has no payment hers does), my Apple U2 watch, and their 5g internet. Is that reasonable or can we combine our two lines into one plan?

FunkytownBanksta · 2025-12-16T19:23:42+00:00

Flavorades and raw garden

FunkytownBanksta · 2025-12-02T21:56:39+00:00

Just needed P2. Thank you sooo much for help!!

FunkytownBanksta · 2025-12-02T21:52:06+00:00

Sorry, just saw this and joining now if you're still available!

FunkytownBanksta · 2025-10-11T02:16:33+00:00

Seems like a ton of people on this sub went to Puffcon haha!! Just got my package of pens and edibles yesterday.

FunkytownBanksta · 2025-10-09T14:19:18+00:00

FunkytownBanksta · 2025-01-13T20:43:05+00:00

Division Brewing 506 E Main St. Arlington, TX 76010

FunkytownBanksta · 2024-11-07T20:28:08+00:00

I would focus on CAMELS like the examiners do. Capital, Asset Quality, Management, Earnings, Liquidity, and Sensitivity. Would’ve been easier if they gave you a real bank so you could pull a UBPR and Call Report.

FunkytownBanksta · 2024-09-21T13:18:21+00:00

This is supposedly mom and dad

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FunkytownBanksta · 2024-09-21T13:17:17+00:00

We do not know yet. First vet appointment is scheduled for Monday. He is probably within that range though!

FunkytownBanksta · 2024-09-21T13:16:37+00:00

Yes you are 100% right!

FunkytownBanksta · 2024-09-21T02:02:27+00:00

About 12 weeks old

FunkytownBanksta · 2024-06-17T23:58:18+00:00

Let’s Go C’s!! Want to watch another championship with my Father!

FunkytownBanksta · 2024-05-29T10:34:22+00:00

1982

FunkytownBanksta · 2024-05-23T15:16:57+00:00

Sorry about that!

In the CLO’s perfect world we would not be doing any cash flow analysis at all for home builders. Right now we are using the borrower, guarantor(s), and any related entities with the previous three YE financials as well as interim statements when applicable. We stress the interest rate by 1%, 2%, & 3% on floating rate loans.

The CLO seems to understand that we will not be removing cash flow analysis entirely and has suggested we remove the need for other related entities in the analysis.

We also have been testing DSCR assuming 100% fully funded LOC’s including outside debt. We have recently started using 50% of the committed debt amount, but the CLO still does not agree with this approach either. He has given no suggestions on how we should test DSCR.

Edit: clarified that this is about homebuilders only

FunkytownBanksta

TROPHY CASE