Banknorth reports third quarter earnings.BURLINGTON Burlington, town, Canada Burlington, town (1991 pop. 129,575), SE Ont., Canada, on Lake Ontario. First settled (1798) by Mohawk Loyalist Joseph Brandt, Burlington's economy was built on the shipment of wheat, lumber, and quarried rock by waterway. , Vt.--(BUSINESS WIRE)--Oct. 12, 1995 -- Banknorth Group, Inc. (NASDAQ NASDAQ in full National Association of Securities Dealers Automated Quotations U.S. market for over-the-counter securities. Established in 1971 by the National Association of Securities Dealers (NASD), NASDAQ is an automated quotation system that reports on : BKNG) today reported third quarter financial results for 1995. Net income for the three months ended September September: see month. 30, 1995, was $5.8 million, or $.86 per share, compared to $4.4 million, or $.65 per share, for the third quarter of 1994. The 1995 third quarter performance results in a return on average assets of 1.22%, and a return on average shareholders' equity Shareholders' Equity A firms' total assets minus its total liabilities. Equivalently, it is share capital plus retained earnings minus treasury shares. Shareholders' equity is the amount by which a company is financed through common and preferred shares. of 15.62%. Net income for the nine months ended September 30, 1995, was $16.5 million, or $2.43 per share, compared to $10.2 million, or $1.51 per share, for the first nine months of 1994. Making the announcement was William William, crown prince of Germany William or Frederick William, 1882–1951, crown prince of Germany, son of William II. In World War I he commanded (1914) an army on the Western Front and was nominal commander in the German attack H. Chadwick Chad·wick , Henry 1824-1908. British-born American sportswriter who helped organize professional baseball. In 1869 he began an annual baseball handbook, which later became Spalding's Official Baseball Guide. , president and chief executive officer. Net interest income, the primary contributor to earnings, was $21.5 million for the three months ended September 30, 1995, an increase of $2.3 million, or 12.3%, over the third quarter of 1994. The provision for possible loan losses in the third quarter of 1995 was $1.1 million, $332 thousand higher than in the third quarter of 1994. Included in other income for the quarter ended September 30, 1995, was a $471 thousand net loss on the sale of certain securities available for sale. Total other expenses, $17.4 million for the third quarter of 1995, included a refund TO REFUND. To pay back by the party who has received it, to the party who has paid it, money which ought not to have been paid. 2. On a deficiency of assets, executors and administrators cum testamento annexo, are entitled to have refunded to them legacies of FDIC FDIC See: Federal Deposit Insurance Corporation FDIC See Federal Deposit Insurance Corporation (FDIC). insurance premium expense of $898 thousand. "The third quarter of 1995 shows continued strength in fundamental core earnings performance," said Chadwick. "The net interest margin has stabilized sta·bi·lize v. sta·bi·lized, sta·bi·liz·ing, sta·bi·liz·es v.tr. 1. To make stable or steadfast. 2. at 4.75% for the past few months which makes us feel very optimistic op·ti·mist n. 1. One who usually expects a favorable outcome. 2. A believer in philosophical optimism. op about the future earnings potential of our company," he said. Net interest income for the first nine months of 1995, increased $9.6 million or 17.8% from the same period in 1994. The provision for possible loan losses for the nine months ended September 30, 1995, at $3.2 million, was up $824 thousand or 34.0% from the first nine months of 1994. Included in other income were net losses on the sale of certain securities available for sale of $418 thousand and $2.0 million for the nine months ended September 30, 1995, and 1994, respectively. Total other expenses for the first nine months of 1995 were flat when compared with the same period in 1994. Data processing data processing or information processing, operations (e.g., handling, merging, sorting, and computing) performed upon data in accordance with strictly defined procedures, such as recording and summarizing the financial transactions of a expense, FDIC insurance premiums and the expense of other real estate owned Real Estate Owned Property owned by a lender - usually a bank - after an unsuccessful sale at a foreclosure auction. This is common because most of the properties up for sale at these auctions are worth less than the total amount owed to the bank: the minimum bid in most each experienced significant decreases in the first nine months of 1995 when compared to 1994, and helped to offset normal increases in other expense categories. Total assets at September 30, 1995, were $1.9 billion, up 14.7% from the balance at September 30, 1994. Total loans at September 30, 1995, at $1.4 billion, were up 13.4% from September 30, 1994. Banknorth is well capitalized Capitalized Recorded in asset accounts and then depreciated or amortized, as is appropriate for expenditures for items with useful lives longer than one year. according to according to prep. 1. As stated or indicated by; on the authority of: according to historians. 2. In keeping with: according to instructions. 3. regulatory reg·u·late tr.v. reg·u·lat·ed, reg·u·lat·ing, reg·u·lates 1. To control or direct according to rule, principle, or law. 2. definition. Earlier this month, Banknorth announced plans to purchase 13 branches in Central and Western Massachusetts Massachusetts (măsəch  `sĭts), most populous of the New England states of the NE United States. , with deposits of approximately ap·prox·i·mate adj. 1. Almost exact or correct: the approximate time of the accident. 2. $634 million, from Shawmut Bank. Closing of the transaction is subject to regulatory approval and is expected to be effective in early 1996. In connection with this acquisition, Banknorth will form a new community bank, First Massachusetts Bank, N.A. The new bank, modeled after other Banknorth member banks in New Hampshire New Hampshire, one of the New England states of the NE United States. It is bordered by Massachusetts (S), Vermont, with the Connecticut R. forming the boundary (W), the Canadian province of Quebec (NW), and Maine and a short strip of the Atlantic Ocean (E). and Vermont Vermont (vərmŏnt`) [Fr.,=green mountain], New England state of the NE United States. It is bordered by New Hampshire, across the Connecticut R. , will be the largest bank headquartered in Worcester Worcester, city, England Worcester (w  s`tər), city (1991 pop. 75,466) and district, Worcestershire, W central England, on the Severn River. .Banknorth Group, Inc. serves the financial needs of customers throughout New England New England, name applied to the region comprising six states of the NE United States—Maine, New Hampshire, Vermont, Massachusetts, Rhode Island, and Connecticut. The region is thought to have been so named by Capt. through its five community banks in Vermont, one community bank in New Hampshire and a mortgage company, which along with serving the network of community banks has an office in Portland, Maine Portland is the largest city in the U.S. state of Maine, with a 2004 population of 63,882. Portland is Maine's cultural, social and economic capital. Tourists are drawn to Portland's historic Old Port district along Portland Harbor, which is at the mouth of the Fore River and part . -0-
Banknorth Group, Inc.
Comparative Financial Results
($ in thousands, except share and per share data)
Income Statements
For the three months ended September 30,
1995 1994 Change %
Interest income $39,214 $31,481 $7,733 24.6% Interest expense 17,763 12,377 5,386 43.5% Net interest income 21,451 19,104 2,347 12.3%
Provision for possible
loan losses 1,125 793 332 41.9%
20,326 18,311 2,015 11.0%
Trust Income 1,879 1,834 45 2.5% Service charges on deposit accounts 1,298 1,258 40 3.2% Mortgage servicing fees 649 714 (65) -9.1% Credit card income 684 697 (13) -1.9% Net securities transactions (471) (135) (336) -248.9% Net loan transactions 165 248 (83) -33.5% Net gain/(loss) on sale of fixed and other assets 222 97 125 128.9% Gain on sale of mortgage servicing rights --- --- --- --- Other income 727 424 303 71.5% Total other income 5,153 5,137 16 0.3% Salaries 7,104 6,609 495 7.5% Employee benefits 1,589 1,488 101 6.8% Net occupancy 1,343 1,239 104 8.4% Equipment 1,400 1,302 98 7.5% Data processing 1,125 1,303 (178) -13.7% FDIC deposit insurance and other regulatory 9 806 (797) -98.9% OREO and repossession 347 359 (12) -3.3% Other expense 4,470 4,346 124 2.9% Total other expenses 17,387 17,452 (65) -0.4% Income before income taxes 8,092 5,996 2,096 35.0% Income taxes 2,266 1,576 690 43.8% Income before cumulative effect of accounting change 5,826 4,420 1,406 31.8% Accounting for securities available for sale, net of tax -- -- -- -- NET INCOME $5,826 $4,420 $1,406 31.8% Per Share Information Wtd avg number of shares outstanding 6,804,425 6,804,425 -- -- Income before cumulative effect of accounting changes $0.86 $0.65 $0.21 32.3% Net income 0.86 0.65 0.21 32.3% Shares outstanding 6,804,425 6,804,425 -- -- Book value $22.33 $19.35 $2.98 15.4% Tangible book value 20.53 18.90 1.63 8.6% Dividends declared 1,565 1,021 544 53.3% Dividends declared per share 0.23 0.15 0.08 53.3% Dividend payout ratio 26.7% 23.1% 3.6% 15.6% Closing price at period end $33.25 $24.25 $9.00 37.1% Price / Earnings (LTM) 10.1 12.4 Price / Tangible book value 162% 128% Ratios Return on average total assets: Income before accounting change 1.22% 1.04% 0.18% 17.3% Net income 1.22% 1.04% 0.18% 17.3% Return on average shareholders' equity: Income before accounting change 15.62% 13.42% 2.20% 16.4% Net income 15.62% 13.42% 2.20% 16.4% Net interest income, f.t.e. basis $21,640 $19,240 $2,400 12.5% Net interest margin 4.76% 4.75% 0.01% 0.2% Efficiency ratio 66.31% 67.35% -1.04% -1.5% Expense ratio 2.76% 2.78% -0.02% -0.7% -0-
Banknorth Group, Inc.
Comparative Financial Results
($ in thousands, except share and per share data)
Income Statements
For the nine months ended September 30,
1995 1994 Change %
Interest income $113,981 $89,153 $24,828 27.8% Interest expense 50,472 35,234 15,238 43.2% Net interest income 63,509 53,919 9,590 17.8%
Provision for possible
loan losses 3,250 2,426 824 34.0%
60,259 51,493 8,766 17.0%
Trust Income 5,591 5,570 21 0.4% Service charges on deposit accounts 3,855 3,687 168 4.6% Mortgage servicing fees 2,022 1,832 190 10.4% Credit card income 1,947 1,960 (13) -0.7% Net securities transactions (418) (2,001) 1,583 79.1% Net loan transactions 351 1,037 (686) -66.2% Net gain/(loss) on sale of fixed and other assets 224 302 (78) -25.8% Gain on sale of mortgage servicing rights --- 664 (664) --- Other income 1,919 1,560 359 23.0% Total other income 15,491 14,611 880 6.0% Salaries 20,655 19,547 1,108 5.7% Employee benefits 5,032 4,928 104 2.1% Net occupancy 4,099 4,020 79 2.0% Equipment 4,119 4,074 45 1.1% Data processing 3,387 3,839 (452) -11.8% FDIC deposit insurance and other regulatory 1,828 2,529 (701) -27.7% OREO and repossession 615 1,690 (1,075) -63.6% Other expense 12,852 11,945 907 7.6% Total other expenses 52,587 52,572 15 0.0% Income before income taxes 23,163 13,532 9,631 71.2% Income taxes 6,621 3,437 3,184 92.6% Income before cumulative effect of accounting change 16,542 10,095 6,447 63.9% Accounting for securities available for sale, net of tax -- 138 (138) -- NET INCOME $16,542 $10,233 $6,309 61.7% Per Share Information Wtd avg number of shares outstanding 6,804,425 6,804,425 -- -- Income before cumulative effect of accounting changes $2.43 $1.49 $0.94 63.1% Net income 2.43 1.51 0.92 60.9% Shares outstanding 6,804,425 6,804,425 -- -- Book value $22.33 $19.35 $2.98 15.4% Tangible book value 20.53 18.90 1.63 8.6% Dividends declared 4,695 3,063 1,632 53.3% Dividends declared per share 0.69 0.45 0.24 53.3% Dividend payout ratio 28.4% 29.8% -1.4% -4.7% Closing price at period end $33.25 $24.25 $9.00 37.1% Price / Earnings (LTM) 10.1 12.4 Price / Tangible book value 162% 128%
Ratios
Return on average total assets:
Income before accounting
change 1.18% 0.80% 0.38% 47.5%
Net income 1.18% 0.81% 0.37% 45.7%
Return on average shareholders' equity: Income before accounting change 15.45% 10.35% 5.10% 49.3% Net income 15.45% 10.49% 4.96% 47.3% Net interest income, f.t.e. basis $64,026 $54,293 $9,733 17.9% Net interest margin 4.81% 4.58% 0.23% 5.0% Efficiency ratio 66.51% 71.82% -5.31% -7.4% Expense ratio 2.80% 2.91% -0.11% -3.8% -0-
Banknorth Group, Inc.
Comparative Financial Results
($ in thousands, except share and per share data)
Balance Sheets, Period End
Balances as of
9-30-95 9-30-94 Change %
Loans $1,351,338 $1,191,882 $159,456 13.4%
Loans held for sale 15,483 11,576 3,907 33.8%
Securities available
for sale 134,193 217,303 (83,110) -38.2%
Investment securities 291,294 157,237 134,057 85.3%
Money market assets 9,150 50 9,100 18200.0%
Total earning
assets 1,801,458 1,578,048 223,410 14.2%
Allowance for possible
loan losses (21,410) (20,253) (1,157) -5.7%
OREO and repossessed
assets 932 1,559 (627) -40.2%
Premises and equipment 24,617 24,792 (175) -0.7%
Goodwill and other
intangibles 12,207 3,040 9,167 301.5%
Other assets 101,781 85,919 15,862 18.5%
Total assets $1,919,585 $1,673,105 $246,480 14.7%
Deposits $1,489,610 $1,275,594 $214,016 16.8%
Short - term borrowings 164,225 147,166 17,059 11.6%
Long - term debt 91,296 102,426 (11,130) -10.9%
Other liabilities 22,530 16,246 6,284 38.7%
Shareholders' equity 151,924 131,673 20,251 15.4%
Total liabilities &
shareholders'
equity $1,919,585 $1,673,105 $246,480 14.7%
Changes to Shareholders' Equity
For the three months ended September 30,
1995 1994 Change %
Balance at beginning of period $147,282 $128,894 $18,388 14.3% Income before cumulative effect of acctg change 5,826 4,420 1,406 31.8% Cumulative effect of accounting change --- --- --- --- Dividends declared (1,565) (1,021) (544) 53.3% Issuance of employee restricted stock (361) (247) (114) 46.2% Amortization of employee restricted stock 136 58 78 134.5% Exercise of employee stock options (188) (43) (145) 337.2% Net changes in market valuation on securities AFS, net of tax 500 (388) 888 228.9% Net changes in market valuation on securities AFS transferred to the investment portfolio, net of tax 294 -- 294 -- Balance at end of period $151,924 $131,673 $20,251 15.4% Average Balance Sheets
Loans $1,343,177 $1,185,227 $157,950 13.3%
Loans held for sale 15,647 13,404 2,243 16.7%
Securities available
for sale 128,822 234,697 (105,875) -45.1%
Investment securities 301,023 159,960 141,063 88.2%
Money market assets 15,595 12,383 3,212 25.9%
Total earning
assets 1,804,264 1,605,671 198,593 12.4%
Allowance for possible
loan losses (21,222) (20,088) (1,134) -5.6%
OREO and repossessed
assets 908 1,922 (1,014) -52.8%
Goodwill and other
intangibles 12,261 3,113 9,148 293.9%
Other assets, including
SFAS 115 market
valuation 105,839 103,615 2,224 2.1%
Total assets $1,902,050 $1,694,233 $207,817 12.3%
Deposits $1,465,432 $1,291,931 $173,501 13.4%
Short - term borrowings 176,809 137,869 38,940 28.2%
Long - term debt 94,169 117,457 (23,288) -19.8%
Other liabilities 17,695 16,301 1,394 8.6%
Shareholders' equity 147,945 130,675 17,270 13.2%
Total liabilities &
shareholders'
equity $1,902,050 $1,694,233 $207,817 12.3%
-0-
Banknorth Group, Inc.
Comparative Financial Results
($ in thousands, except share and per share data)
Balance Sheets, Period End
Balances as of
12-31-94 12-31-93 Change %
Loans $1,296,071 $1,123,216 $172,855 15.4%
Loans held for sale 14,025 29,791 (15,766) -52.9%
Securities available
for sale 118,554 296,212 (177,658) -60.0%
Investment securities 317,176 106,877 210,299 196.8%
Money market assets 15,600 8,300 7,300 88.0%
Total earning
assets 1,761,426 1,564,396 197,030 12.6%
Allowance for possible
loan losses (21,437) (21,363) (74) -0.3%
OREO and repossessed
assets 575 3,444 (2,869) -83.3%
Premises and equipment 25,130 26,856 (1,726) -6.4%
Goodwill and other
intangibles 12,599 3,007 9,592 319.0%
Other assets 95,595 85,244 10,351 12.1%
Total assets $1,873,888 $1,661,584 $212,304 12.8%
Deposits $1,443,467 $1,262,876 $180,591 14.3%
Short - term borrowings 155,146 149,260 5,886 3.9%
Long - term debt 121,589 96,801 24,788 25.6%
Other liabilities 18,122 20,241 (2,119) -10.5%
Shareholders' equity 135,564 132,406 3,158 2.4%
Total liabilities &
shareholders'
equity $1,873,888 $1,661,584 $212,304 12.8%
Changes to Shareholders' Equity
For the nine months ended September 30,
1995 1994 Change %
Balance at beginning of period $135,564 $132,406 $3,158 2.4% Income before cumulative effect of acctg change 16,542 10,095 6,447 63.9% Cumulative effect of accounting change --- 138 (138) --- Dividends declared (4,695) (3,063) (1,632) 53.3% Issuance of employee restricted stock (361) (247) (114) 46.2% Amortization of employee restricted stock 254 112 142 126.8% Exercise of employee stock options (223) (78) (145) 185.9% Net changes in market valuation on securities AFS, net of tax 4,093 (7,690) 11,783 153.2% Net changes in market valuation on securities AFS transferred to the investment portfolio, net of tax 750 --- 750 -- Balance at end of period $151,924 $131,673 $20,251 15.4% Average Balance Sheets
Loans $1,321,375 $1,160,651 $160,724 13.8%
Loans held for sale 11,903 16,454 (4,551) -27.7%
Securities available
for sale 128,272 263,536 (135,264) -51.3%
Investment securities 309,029 133,300 175,729 131.8%
Money market assets 9,382 12,452 (3,070) -24.7%
Total earning
assets 1,779,961 1,586,393 193,568 12.2%
Allowance for possible
loan losses (21,459) (20,650) (809) -3.9%
OREO and repossessed
assets 970 3,063 (2,093) -68.3%
Goodwill and other
intangibles 12,445 3,124 9,321 298.4%
Other assets, including
SFAS 115 market
valuation 99,638 106,975 (7,337) -6.9%
Total assets $1,871,555 $1,678,905 $192,650 11.5%
Deposits $1,434,115 $1,269,713 $164,402 12.9%
Short - term
borrowings 175,563 150,534 25,029 16.6%
Long - term debt 101,377 111,392 (10,015) -9.0%
Other liabilities 17,379 16,859 520 3.1%
Shareholders' equity 143,121 130,407 12,714 9.7%
Total liabilities &
shareholders'
equity $1,871,555 $1,678,905 $192,650 11.5%
-0-
Banknorth Group, Inc.
Comparative Financial Results
($ in thousands, except share and per share data)
Credit Quality Information
Balances as of
9-30-95 9-30-94 Change %
Non-accrual loans $14,938 $18,237 ($3,299) -18.1% Loans past - due 90 days and accruing 1,614 2,063 (449) -21.8% Restructured loans 470 450 20 4.4% Total non-performing loans (NPLs) 17,022 20,750 (3,728) -18.0% Total foreclosed (OREO) and repo'd assets (F/RA) 932 1,559 (627) -40.2% Total non - performing assets (NPAs) $17,954 $22,309 ($4,355) -19.5% NPAs as a % of (loans+F/RA), p.e. 1.33% 1.87% -0.54% -29.0% NPAs as a % of total assets, p.e. 0.94% 1.33% -0.39% -29.3% Allow for loan losses as % of NPLs, p.e. 125.78% 97.61% 28.16% 28.9% Allow for loan losses as % of total loans, p.e. 1.58% 1.70% -0.12% -7.1%
For the three months ended September 30,
1995 1994 Change %
Loans charged off $1,967 $1,381 $586 42.4% Loan recoveries 1,345 1,171 174 14.9% Loans charged off, net of recoveries $622 $210 $412 196.2% As a % of average loans 0.19% 0.07% 0.12% 171.4% Provision for possible loan losses $1,125 $793 $332 41.9% As a % of average loans 0.34% 0.27% 0.07% 25.9% Capital Strength
Balances as of
9-30-95 9-30-94 Change %
Total risk - adjusted assets $1,349,023 $1,155,266 $193,757 16.8% As a % of total assets, net fair value adjustment 70.14% 68.73% 1.41% 2.1% Total shareholders' equilty $151,924 $131,673 $20,251 15.4% Fair value adjustment 3,651 7,690 (4,039) -52.5% Other adjustments to Tier 1 capital (8,710) (127) (8,583) 6758.3% Total Tier 1 capital 146,865 139,236 7,629 5.5% Maximum allowance for possible loan losses 16,919 14,513 2,406 16.6% Total capital $163,784 $153,749 $10,035 6.5% Total capital to total risk-adjusted assets 12.14% 13.31% -1.17% -8.8% Tier I capital to total risk-adjusted assets 10.89% 12.05% -1.16% -9.6% Tier I capital to total assets (leverage) 7.64% 8.28% -0.64% -7.7% Shareholders' equity to total assets, p.e. 7.91% 7.87% 0.04% 0.5% Tangible shareholders' equity to tangible assets 7.33% 7.70% -0.37% -4.8% -0-
Banknorth Group, Inc.
Comparative Financial Results
($ in thousands, except share and per share data)
Credit Quality Information
Balances as of
12-31-94 12-31-93 Change %
Non-accrual loans $17,768 $27,511 ($9,743) -35.4% Loans past - due 90 days and accruing 1,151 591 560 94.8% Restructured loans 470 914 (444) -48.6% Total non-performing loans (NPLs) 19,389 29,016 (9,627) -33.2% Total foreclosed (OREO) and repo'd assets (F/RA) 575 3,444 (2,869) -83.3% Total non - performing assets (NPAs) $19,964 $32,460 ($12,496) -38.5% NPAs as a % of (loans+F/RA), p.e. 1.54% 2.88% -1.34 -46.5% NPAs as a % of total assets, p.e. 1.07% 1.95% -0.88 -45.1% Allow for loan losses as % of NPLs, p.e. 110.56% 73.62% 36.94 50.2% Allow for loan losses as % of total loans, p.e. 1.65% 1.90% -0.25 -13.2%
For the nine months ended September 30,
1995 1994 Change %
Loans charged off $7,109 $7,368 ($259) -3.5% Loan recoveries 3,832 3,832 0 0.0% Loans charged off, net of recoveries $3,277 $3,536 ($259) -7.3% As a % of average loans 0.33% 0.41% -0.08% -19.5% Provision for possible loan losses $3,250 $2,426 $824 34.0% As a % of average loans 0.33% 0.28% 0.05% 17.9% Capital Strength
Balances as of
12-31-94 12-31-93 Change %
Total risk - adjusted assets $1,269,728 $1,129,189 $140,539 12.4% As a % of total assets, net fair value adjustment 67.45% 67.96% -0.51% -0.8% Total shareholders' equilty $135,564 $132,406 3,158 2.4% Fair value adjustment 8,495 --- 8,495 --- Other adjustments to Tier 1 capital (9,391) (330) (9,061) 2745.8% Total Tier 1 capital 134,668 132,076 2,592 2.0% Maximum allowance for possible loan losses 15,940 14,204 1,736 12.2% Total capital $150,608 $146,280 $4,328 3.0% Total capital to total risk-adjusted assets 11.86% 12.95% -1.09% -8.4% Tier I capital to total risk-adjusted assets 10.61% 11.70% -1.09% -9.3% Tier I capital to total assets (leverage) 7.15% 7.95% -0.80% -10.1% Shareholders' equity to total assets, p.e. 7.23% 7.97% -0.74% -9.3% Tangible shareholders' equity to tangible assets 6.61% 7.80% -1.19% -15.3% CONTACT: David P. Reville Thomas (language) Thomas - A language compatible with the language Dylan(TM). Thomas is NOT Dylan(TM). The first public release of a translator to Scheme by Matt Birkholz, Jim Miller, and Ron Weiss, written at Digital Equipment Corporation's Cambridge Research Laboratory runs J. Pruitt Director, Corporate Communications Corporate communications is the process of facilitating information and knowledge exchanges with internal and key external groups and individuals that have a direct relationship with an enterprise. EVP EVP Executive Vice President EVP EGR (Exhaust Gas Recirculation) Valve Position Sensor EVP Electronic Voice Phenomenon EVP Europäische Volkspartei (Germany) EVP Employee Value Proposition & CFO See Chief Financial Officer. (802) 860-5474 (802) 860-5558 |
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