<html><head></head><body style="word-wrap: break-word; -webkit-nbsp-mode: space; -webkit-line-break: after-white-space; "><div>On Nov 20, 2012, at 3:13 PM, Agnes Woolsey wrote:</div><div><br class="Apple-interchange-newline"><blockquote type="cite"><div bgcolor="#FFFFFF" text="#000000">What is the next step forward? Let's have some ideas from the Gen Ass. Sat. 11/17 and others. One idea was to contact the County Recorders across the country via email. Who wants to take that on or start local?<br>Happy Thanksgiving,All,<br>Agnes</div></blockquote></div><div><h1 id="firstHeading" class="firstHeading"><span dir="auto"><span class="Apple-style-span" style="font-weight: normal; font-size: medium; ">I'm researching public/community banks. This seems like good thing to work on because OM people seem excited by the idea. rk</span></span></h1><h1 id="firstHeading" class="firstHeading"><span dir="auto">Community bank</span></h1>
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Jump to: <a href="http://en.wikipedia.org/wiki/Community_bank#mw-head">navigation</a>, <a href="http://en.wikipedia.org/wiki/Community_bank#p-search">search</a>
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<div id="mw-content-text" dir="ltr" class="mw-content-ltr" lang="en"><p>A <b>community bank</b> is a <a href="http://en.wikipedia.org/wiki/Depository_institution" title="Depository institution">depository institution</a>
that is typically locally owned and operated. Community banks tend to
focus on the needs of the businesses and families where the bank holds
branches and offices. Lending decisions are made by people who
understand the local needs of families, businesses and farmers.
Employees often reside within the communities they serve.</p><p>In the United States, community banks are defined as independent
banks and savings institutions holding companies with aggregate assets
less than $1 billion.<sup id="cite_ref-FDIC-Trends-2004_1-0" class="reference"><a href="http://en.wikipedia.org/wiki/Community_bank#cite_note-FDIC-Trends-2004-1"><span>[</span>1<span>]</span></a></sup>
From 1985 to 2004 they comprised 94% of all banks in the United States,
but the proportion of expanding total national deposits that the
Community Banks held declined from about 25.89% of all U.S. deposits in
1985 to 13.55% of the U.S. deposits in 2003.<sup id="cite_ref-FDIC-Trends-2004_1-1" class="reference"><a href="http://en.wikipedia.org/wiki/Community_bank#cite_note-FDIC-Trends-2004-1"><span>[</span>1<span>]</span></a></sup><sup id="cite_ref-FDIC-BR-Critchfield-2004_2-0" class="reference"><a href="http://en.wikipedia.org/wiki/Community_bank#cite_note-FDIC-BR-Critchfield-2004-2"><span>[</span>2<span>]</span></a></sup><sup id="cite_ref-FDIC-BR-Jones-2006_3-0" class="reference"><a href="http://en.wikipedia.org/wiki/Community_bank#cite_note-FDIC-BR-Jones-2006-3"><span>[</span>3<span>]</span></a></sup></p>
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<h2>Contents</h2>
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<ul>
<li class="toclevel-1 tocsection-1"><a href="http://en.wikipedia.org/wiki/Community_bank#List_of_community_banks"><span class="tocnumber">1</span> <span class="toctext">List of community banks</span></a></li>
<li class="toclevel-1 tocsection-2"><a href="http://en.wikipedia.org/wiki/Community_bank#See_also"><span class="tocnumber">2</span> <span class="toctext">See also</span></a></li>
<li class="toclevel-1 tocsection-3"><a href="http://en.wikipedia.org/wiki/Community_bank#References"><span class="tocnumber">3</span> <span class="toctext">References</span></a></li>
<li class="toclevel-1 tocsection-4"><a href="http://en.wikipedia.org/wiki/Community_bank#External_links"><span class="tocnumber"></span></a></li></ul></td></tr></tbody></table></div></div><div><br></div><div><br></div><div><br><div><div>On Nov 20, 2012, at 3:13 PM, Agnes Woolsey wrote:</div><br class="Apple-interchange-newline"><blockquote type="cite">
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What is the next step forward? Let's have some ideas from the Gen
Ass. Sat. 11/17 and others. One idea was to contact the County
Recorders across the country via email. Who wants to take that on or
start local?<br>
Happy Thanksgiving,All,<br>
Agnes<br>
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<th align="RIGHT" nowrap="nowrap" valign="BASELINE">Subject:
</th>
<td>RE: Fort Bragg town hall</td>
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<th align="RIGHT" nowrap="nowrap" valign="BASELINE">Date: </th>
<td>Mon, 19 Nov 2012 11:50:44 -0600</td>
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<th align="RIGHT" nowrap="nowrap" valign="BASELINE">From: </th>
<td>CJ Holmes <a class="moz-txt-link-rfc2396E" href="mailto:cjholmes@cjholmes.com"><cjholmes@cjholmes.com></a></td>
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<th align="RIGHT" nowrap="nowrap" valign="BASELINE">To: </th>
<td>Linda Jupiter <a class="moz-txt-link-rfc2396E" href="mailto:jupiter@mcn.org"><jupiter@mcn.org></a></td>
</tr>
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<th align="RIGHT" nowrap="nowrap" valign="BASELINE">CC: </th>
<td>Agnes Woolsey <a class="moz-txt-link-rfc2396E" href="mailto:agnes@mcn.org"><agnes@mcn.org></a></td>
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<div class="WordSection1"><p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">This
is fabulous feedback. Thanks for much for all your work –
both of you. I’d love to meet with anyone/everyone that is
willing to take the next step forward. Please keep me in
the loop. <o:p></o:p></span></p><p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p><p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">Thanks,
cj<o:p></o:p></span></p><p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p><p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><span><Mail Attachment.png></span><o:p></o:p></span></p><p class="MsoNormal"><span style="font-size:14.0pt;font-family:"Calisto
MT","serif";color:#7030A0">CJ Holmes, </span><span style="font-size:11.0pt;color:#002060">Founder</span><span style="font-size:14.0pt;font-family:"Calisto
MT","serif";color:#7030A0"> </span><span style="font-size:14.0pt;font-family:"Calisto
MT","serif";color:#7030A0"><o:p></o:p></span></p><p class="MsoNormal"><span style="color:#002060">Home Owners For
Justice<br>
</span><span style="font-size:2.0pt;color:#002060"><br>
</span><span style="font-size:9.0pt;font-family:"Calibri","sans-serif";color:#1F497D">Real
Estate Analyst, DRE 01234197<o:p></o:p></span></p><p class="MsoNormal"><span style="font-size:8.0pt;color:#002060"><br>
</span><span style="font-size:11.0pt;color:#002060"><a moz-do-not-send="true" href="x-msg://30/www.HOFJ.org">www.HOFJ.org</a><o:p></o:p></span></p><p class="MsoNormal"><i><span style="font-size:10.0pt;font-family:"Calibri","sans-serif";color:#1F497D">(707)
578-5727<o:p></o:p></span></i></p><p class="MsoNormal"><i><span style="font-size:10.0pt;font-family:"Calibri","sans-serif";color:#1F497D">(707)
578-5873 f<o:p></o:p></span></i></p><p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Calibri","sans-serif";color:#1F497D">818
Mendocino Ave<o:p></o:p></span></p><p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Calibri","sans-serif";color:#1F497D">Santa
Rosa, CA 95401<o:p></o:p></span></p><p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p><p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><span><Mail Attachment.png></span><o:p></o:p></span></p><p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p><p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p><p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
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1.0pt;padding:3.0pt 0in 0in 0in"><p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif"">From:</span></b><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif"">
Linda Jupiter [<a class="moz-txt-link-freetext" href="mailto:jupiter@mcn.org">mailto:jupiter@mcn.org</a>] <br>
<b>Sent:</b> Saturday, November 17, 2012 8:37 AM<br>
<b>To:</b> CJ Holmes<br>
<b>Cc:</b> Agnes Woolsey<br>
<b>Subject:</b> Fort Bragg town hall<o:p></o:p></span></p>
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</div><p class="MsoNormal"><o:p> </o:p></p><p class="MsoNormal">That was a wonderful presentaton you gave
last night, CJ.<o:p></o:p></p>
<div><p class="MsoNormal">Agnes you did a sterling job getting
three city council members, including our mayor, and one
outgoing BOS member and one incoming BOS member!<o:p></o:p></p>
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<div><p class="MsoNormal">Also, I saw some new faces in the crowd
as well.<o:p></o:p></p>
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<div><p class="MsoNormal">Great work, you, two.<o:p></o:p></p>
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<div><p class="MsoNormal">In talking to Kendall after the meeting
(she's our outgoing BOS member), she'll be talking to our
County Recorder and is interested in the eminent domain
focus. She'd be great taking that on as she has no plans for
work after January. It may be a fit.<o:p></o:p></p>
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<div><p class="MsoNormal">Love,<o:p></o:p></p>
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<div><p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Verdana","sans-serif";color:black">Linda<o:p></o:p></span></p>
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<div><p class="MsoNormal"><b><span style="font-size:9.0pt;font-family:"Verdana","sans-serif";color:black">Linda
Jupiter
Productions</span></b><span style="font-size:9.0pt;font-family:"Verdana","sans-serif";color:black"><o:p></o:p></span></p>
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<div><p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Verdana","sans-serif";color:black">P.O.
Box 2822 <o:p></o:p></span></p>
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<div><p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Verdana","sans-serif";color:black">139-1/2
Jupiter Lane<o:p></o:p></span></p>
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<div><p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Verdana","sans-serif";color:black">Fort
Bragg, CA
95437<o:p></o:p></span></p>
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<div><p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Verdana","sans-serif";color:black">phone 707-964-8985<o:p></o:p></span></p>
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<div><p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Verdana","sans-serif";color:black"><a moz-do-not-send="true" href="http://www.lindajupiter.com/">www.lindajupiter.com</a><o:p></o:p></span></p>
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