Notice bibliographique
Résumé
Two other institutions that placed first or second in one of the categories in our special report declined to provide any information in response to our request. The following sketches of these institutions, therefore, were pieced together from publicly available data. People's Bank, Paris, Texas This small bank in the northeastern corner of the Lone Star state has had its share of national publicity. Last year it was a top non Sub S performer with an ROE of 40.75%. That performance was driven in part by its participation in payday lending through an arrangement with Advance America of South Carolina, an arrangement that came to an abrupt halt early last year. On January 30th, Peoples National Bank signed a consent order with the Office of the Comptroller of the Currency in which it agreed to end its payday lending by March 31st of 2003, and to pay $175,000 in civil money penalties, without admitting or denying any wrongdoing. In an article about the bank's performance in last July's ABA Banking Journal, Peoples Bank CEO Ronald Abbott predicted that without payday lending, the bank's ROE would be in the range of 15-18% for the year. In fact, the bank, which converted to a state charter on March 3 of this year and changed its name to Peoples Bank, finished the year with an ROE of 43.24%, and placed first among non sub S banks and thrifts under $100 million. Looking at the company's financials quarter to quarter, it is evident that things changed dramatically after the first quarter. The yield on earning assets, for example, plummeted from 70.45% in the first to 6.22% in the third quarter. ROE likewise plunged (from 139.39% to 6.45%) for the same two quarters. Yet, on a year-to-date basis, the first quarter's huge numbers carried the bank further than Abbot anticipated when he spoke with us in May of 2003. But there were other factors as well. Noninterest income to total revenue jumped from 2.15% to 28.30% yearend to yearend. Abbott said last year that the bank had an overdraft protection, or bounce protection, program. Real estate lending, another source of fee income, increased last year from $45.2 million to $52 million, about two thirds of which was 1-4 family residential loans. Other notable Peoples Bank numbers: total assets shrank from $106.6 million to $96 million, accounted for largely by a decrease in loans to individuals; securities increased from $7.5 million to $18 million; and net charge-offs plunged from $4.1 million to $299,000. In last year's interview, Abbott said the local economy was strong, with several large corporations in town, which generates a lot of mortgage demand. …
Récupéré en direct depuis OpenAlex et désinversé. Les résumés ne sont pas conservés dans cette base de données : les index inversés représentent 8,6 Go des 9,3 Go de texte de la base, et le serveur dispose de 13 Go libres.
Comment cette classification a été obtenuedéplier
Prédiction machine sur la base complète
Imitation des enseignantsNi prévalence calibrée, ni vérité terrain. Validation humaine à venir. Le volet Gemma est une étiquette directe du modèle pour chaque travail de la base, lue sur la notice réduite au titre. Le volet Codex est un classifieur appris des 10 348 étiquettes directes de Codex et calibré sur les taux pondérés de l'échantillon; les champs sans appui suffisant ne portent aucun appel Codex. Le mode candidate est l'union des deux volets; le consensus est leur intersection. Ces sorties portent le statut machine_predicted_unvalidated et ne sont pas des étiquettes humaines.
Scores du classifieur distillé par catégorie (deux têtes)
| Catégorie | Codex | Gemma |
|---|---|---|
| Métarecherche | 0,001 | 0,005 |
| Méta-épidémiologie (sens strict) | 0,000 | 0,000 |
| Méta-épidémiologie (sens large) | 0,001 | 0,000 |
| Bibliométrie | 0,005 | 0,004 |
| Études des sciences et des technologies | 0,003 | 0,001 |
| Communication savante | 0,005 | 0,002 |
| Science ouverte | 0,000 | 0,002 |
| Intégrité de la recherche | 0,001 | 0,001 |
| Charge utile insuffisante (le modèle a refusé de juger) | 0,108 | 0,027 |
Scores machine (provisoires)
Les deux têtes enseignantes du modèle étudiant, lues sur ce travail. Un score ordonne la base pour la relecture; il n'affirme jamais une catégorie, et le statut de validation accompagne chaque rangée tel quel.
Scores de référence d'un modèle non mature (critères de maturité non atteints, 7 itérations). Un score ordonne; il n'affirme jamais une catégorie.
score_only:v0-immature-baseline · tel quel depuis la passe de notation : score_only signifie que le nombre peut ordonner les travaux, et qu'aucune étiquette de catégorie n'en découleClassification
machine, non validéePrédiction automatique; un appel candidat d’une seule source (Gemma direct ou Codex distillé), pas un consensus.
Le détail, modèle par modèle et score par score, se trouve en fin de page sous « Comment cette classification a été obtenue ».