Why this work is in the frame
A frame that forgets how it found something cannot be audited. These are the routes that admitted this work.
Bibliographic record
Abstract
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. …
Fetched live from OpenAlex and de-inverted. Abstracts are not stored in this database: the inverted indexes are 8.6 GB of the frame’s 9.3 GB of text, and the host has 13 GB free.
Full frame distilled prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. Learned from the 10,348 direct Codex labels and 10,348 direct Gemma labels. Candidate is the union of thresholded teacher heads; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels or direct frontier model labels.
Codex and Gemma teacher scores by category
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.001 | 0.000 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.000 | 0.000 |
| Science and technology studies | 0.001 | 0.000 |
| Scholarly communication | 0.000 | 0.000 |
| Open science | 0.000 | 0.000 |
| Research integrity | 0.000 | 0.000 |
| Insufficient payload (model declined to judge) | 0.001 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from it