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Sales Director
Vendor Relationship Development

Office equipment experience a must. Territory covers FL, GA, SC, NC, AL, MS, LA. Must be able to sell value. To apply online click here.

About the company:
GreatAmerica offers office equipment financing to businesses across the U.S., and is the largest independent leasing company in the small ticket equipment financing market.

Wednesday, April 25, 2007


  Marlin Terminates Mike Bennie???
Classified Ads--- Controller
    Northern Leasing Systems AG Lawsuit
        Supreme Court Ruling and NorVergence leases
Tom Depping/Main Street to sue Leasing News?
    Our apology to Mr. Thomas Depping
        Register Today for ELFA's Legal Forum!
Classified Ads---Help Wanted
    Burhill Leasing relocates,expands,celebrates
        Sales makes it Happen---by Linda P. Kester
        "Advice from Vendors"
An Agency to Oversee ILC Owners? Why Not 4?
    Leasing Conferences—2007: Up-Date
        Fitch Study: 2006 Global Finance T & D Study
Get Ready to Go Paperless!
    PFF Bancorp Reports 7 Percent Increase
        Studebaker-Worthington Parent 1Q Report
NBT Bancorp 1 Quarter results/dividend
    Lakeland Bancorp Reports $4.4 MM 1 Quarter
        TCF Reports First Quarter Earnings
PACCAR Announces Strong Sales
    Move Over G.M., Toyota Is No. 1
        VC passes $7 BB; highest Q in five years
    Previously Owned Homes Plunge to 1989 Level
News Briefs---
    You May have Missed---
        "Gimme that Wine"
Calendar Events
    Snapple Real Facts
        Today's Top Event in History
    This Day in American History
Baseball Poem
        Daily Puzzle

######## surrounding the article denotes it is a “press release”


Marlin Terminates Mike Bennie???

Michael Bennie, Vice-President of the Marlin Leasing Broker Division, highly thought of in the broker community, and originally thought by Leasing News to be the next president, was let go by Marlin Business Services, reportedly without severance.

This is reported to be a copy of memo sent to employees. Marlin Leasing states all comments will be made through the SEC filings.

"Message From Dan  

"Please note that Michael Bennie's employment with Marlin has been terminated for comments and attitudes inconsistent with the Company's direction.  The Company regrets having to proceed with the termination, but it was a necessary act.

"This action in no way reflects upon Marlin's commitment to the Broker business, or the performance of the Broker sales team.  We have a strong group of sales representatives and a solid credit team, and they work well together to serve as the backbone of this important business segment.  

"We will be immediately posting for a replacement for Michael.  We will be looking for a strong leader who wants to advance his or her career at Marlin, and who is eager to be part of the Marlin management team and to help take the Broker division (and the Company) to the next level.  If you have an interest, please contact me or Willie Kelly.

"If you have any questions, comments our concerns about this matter, please feel free to call (or stop by to see) me or Willie.

"Thank you,

"George D. Pelose"

Previous Leasing News article:   



Classified Ads--- Controller

Boca Raton, FL
CPA w/ Sarbanes Oxley/ 15 years management exp. as CFO/ Controller/5 yrs w/ PWC Extensive exp providing accounting/ tax guidance for the equipment lease industry. Willing to relocate.

Chicago, IL
experienced in lease accounting, operations, management, and Sarbanes-Oxley. Seeking position with equipment lessor. Would consider contract assignments or relocating.

Southeastern, MI
Controller & Management experience w/ equip lessors &broker. MBA, CPA w/ extensive accounting, management, securitization experience with public and private companies. Willing to relocate.

West Palm Beach, FL
CPA/CFO/Controller/Due Diligence Officer/SOX Lead seeking position.

These job-wanted ads are free. To place a free “job wanted” ad here, please go to:

For a full listing of all “job wanted” ads, please go to:



Northern Leasing Systems Missouri AG Lawsuit

Leasing News is “holding” this story, pending an exclusive interview
Wednesday with Jay Cohen, CEO of Northern Leasing Systems.

Fair, full, and accurate story on Friday, also including a comment from the Equipment Leasing and Finance Association on ethics.

You won’t want to miss this one. Friday.



Supreme Court Ruling and NorVergence leases

by Christopher Menkin

It appears that the Florida Attorney General is backing down on its case against national bank leasing companies, and may not pursue its other charges in regards to NorVergence leases in the State of Florida. A reliable source says the new decision comes from is the US Supreme Court’s Ruling on the Wachovia case.

In attempting to research this, it also appears other courts considering leases with national banks may also be affected. Right now it is difficult to guess, but certainly the door was closed to state bank laws and regulations in regards to national banks. This affects all active cases involving potential conflicts between state and federal law as
it is applied to national bank legal decisions.

On April 17, in backing Wachovia Corporation in a decision, the U.S. Supreme Court sent a strong message that federal regulators, not state agencies, hold sway over national banks.

The 5-3 vote was a victory for nationally chartered banks, including Charlotte's Wachovia and Bank of America Corp., that are leery of being monitored by a patchwork of rules in 50 states. State officials contend their supervision is needed to better protect consumers.

This ruling appears to have far reaching consequences in current state court cases, including appeals.

Affirming an appeals court decision, the court said the bank's mortgage business, "whether conducted by the bank itself or an operating subsidiary," was subject to OCC rule, not the supervision of states where it operates. One of the key questions in the case had been whether subsidiaries fell under the same rules as the bank itself.

The opinion was a decisive victory for national banks in a long-running battle with state officials, said a leasing lawyer familiar with the case. He did not want to go on the record.

The case revolved around the National Bank Act, a Civil War era law that established the primacy of federal regulators over nationally chartered banks. States maintain some powers over national banks such as usury laws that cap interest rates they can charge.

State officials could find a receptive ear in Washington. Democratic lawmakers have been calling for more consumer protections in the credit card, mortgage and other industries,
including leasing, particularly where personal guarantees are
a requirement to the credit decision.

Wachovia spokeswoman Mary Eshet told the media her company was pleased the court ruled in its favor in "this important case." Last year, the Supreme Court backed the company in a case that involved the ability of national banks to shift lawsuits to more favorable federal courts.



Tom Depping/Main Street National Bank to sue Leasing News?

Thomas J. Depping Looking Out Upon Houston, Texas, circa 2002


TELEPHONE: 973-048-0772
FACSIMILE: 973-645-1190

David J. Sheehan                                                                                     Direct Dial: 973- 645-8058                                                       Direct Fax: 212-704-8344

April 23, 2007

Via First Class Mail and Facsimile
Mr. Christopher Menkin Leasing News, Inc.
14127 Capri Drive, #7
Los Gatos, CA 95032

                    Re: Main Street Bank - Tom Depping

Dear Mr. Menkin:

                    This firm represents Main Street Bank ("MSB") and its Chairman and Chief Executive Officer , Thomas Depping. We are writing in connection with a series of articles published in Leasing News with regard to Tom Depping any MSB, the most recent of which appeared on approximately April 11, 2007, on your website. The purpose of this letter is to advise you, for the reasons set forth below, that MSB and Tom Depping consider these articles to be biased, unfair, false and defamatory. Further, it is their position that these articles have been published maliciously for the purpose of defaming MSB and Tom Depping, and moreover, for anticompetitive reasons designed to injure and damage the economic well being of MSB and Tom Depping.

                    The banner for the Bulletin Board of Leasing News proclaims that it provides" Independent unbiased and fair news about the Leasing Industry," Moreover, in the Policy Statement for Leasing News, it is stated that American Leasing is "a separate company" and that you strive to" keep both companies distinct entities to avoid any journalistic conflicts." Yet, given the fact that a single individual, Kit Menkin, is the sole driving force behind both entities, and further, that Mr. Menkin has a financial stake in the leasing industry, such statements are not only facially false, they are totally without merit when your publication falsely accuses another member of the leasing community with improper behavior. You are thereby engaging in conduct designed to benefit the interests of American Leasing, a company wholly owned by you and a competitor of Main Street Bank.

                    This is particularly so when one considers that your publication has repeatedly published false accounts with regard to Tom Depping and his prior experience in the leasing industry which are based solely on the accounts provided by disgruntled and biased former employees of a company formerly headed by Tom Depping. These individuals, Fred Van Etten, Mark McQuitty and James Raeder, have engaged in a malicious and intentional smear campaign designed to damage the business and reputation of MSB and Tom Depping, and you have chosen for anticompetitive reasons to repeatedly publish their falsehoods, without once ever checking the facts with former members of the senior management team and Board of the company in question.

                    You are hereby advised that conduct will no longer be tolerated and that it must cease immediately. With regard to whether any further action will be taken to recover the damages you have inflicted upon. MSB and Tom Depping, this decision will be influenced by your conduct in rectifying this situation on your website, Once you have taken corrective action, we will advise you if we intend to commence further proceedings. Your prompt attention to this matter is requested. If we do not have a response from you or your counsel in 10 days, we have been authorized to take appropriate action.


cc: Tom Depping (by fax and regular mail)
     John Lee (by fax and regular mail)
     Mark McQuitty (by fax and regular mail)
     Jim Raeder (by fax and regular mail)
     Fred Van Etten (by fax and regular mail)



Our apology to Mr. Thomas Depping

Leasing News apologizes to Mr. Thomas Depping, as it was not our intention to hurt his feelings.

As to not being fair, for seven years Leasing News has attempted to obtain comments, interviews, reactions, any information, from Mr. Depping. We have seven years of e-mails in this effort, plus telephone calls to him, his executive assistant, and his office.

We have spoken to several people in his employ, including the main street bank president and public relations personnel to obtain a comment or statement, including having e-mails requesting a comment. We have printed all press releases that Main Street has sent us or we have discovered on the PR wire.

In this instance, we again asked on Monday by email and fax to
his attorney for a statement or comment regarding what Mr. Depping was specifically referring to in the letter of April 23, 2007.

Perhaps the letter from Mr. Depping’s attorney threatening damages actually regards the April 18th story from the Equipment Leasing and Finance Association eNews Daily reporting on the American Banker article about $10 million a month in equipment leasing. There was no comment by Leasing News, but we did print at the bottom the “net” numbers from the FDIC financial filings of Main Street
National Bank, along with the address to the balance sheet and other financial statements.
There was no comment or even question, just the facts from the FDIC financial filings from
Main Street National Bank.

If the facts as reported by the FDIC are incorrect, please let us know.

The archive story of Mr. Depping’s resignation was run originally on April 11, 2002, and also on other dates, as we have done with other “archived” stories. Here he relates himself to the Gazelle. It allegedly is his “official resignation,” although he has not commented on this when asked.

The next part was “today.” We have requested an up-dated picture for years, but all we have is from our archives, so that it why it was used. If we had a more current photograph, as again we have requested many times form him and his staff, Leasing News would have printed it.

Again, this is “today-April 11,” therefore it is juxtaposed with Mr. Depping’s autobiography from his bank’s web site today. There was no comment or remarks about the autobiography by Leasing News in the story. We noted it came from the bank web site.

It appears from the “cc’s” of the letter, Mr. Depping objects to the stories written over the last seven years that also pertain to the autobiography. Why he waited until 2007 to make an objection
is unknown. It is common for Leasing News to include other articles from the archives written on a subject in the current edition. Ironically, it appears very few readers opened these articles
in the issue that Mr. Depping appears concerned about.

Maybe it is the headline where we ask readers to make up their own mind? We did not use any adjective; certainly we wanted readers to read what was written by Mr. Depping
and thus the title. Are we provocative? Hopefully we are informative, entertaining, informational, thought provoking, stimulating, and perhaps at times viewed as irritating and vexing.

We again invite Mr. Depping to make a comment or statement, and certainly apologize if we hurt his feelings.

Christopher Menkin, editor/publisher
Leasing News, Inc.

Archives, April 11, 2001--Depping resigns from First Sierra
Depping still the same—choose appropriate adjective

Main Street originates $10MM of leases per month?

For readers who have not read our “mission,” as it is posted
on our web site:



Register Today for ELFA's Legal Forum!

ELFA eNews Daily

Register now for the Equipment Leasing and Finance Association's 2007 Legal Forum, May 6 - 8 in Miami! If you're internal or external counsel, an old pro or new to equipment leasing and finance, this is the event for you!

The Forum is two days packed with up-to-date information on the legal issues that matter to your company or clients--from Article 9 to workouts, fraud to financial covenants. Download the brochure and register online today at

Please note: First-time attendees from ELFA member companies receive 25% off the registration fee.

(If your company is not a member of ELFA, the legal information, legal listserve, and information from such meetings is move valuable that the membership dues cost. If you are an law firm involved in leasing, you cannot afford not to belong.



Leasing Industry Help Wanted

Account Executive

Account Executives

Boston, Cleveland, Detroit, St. Louis,
SF Bay Area

Top position to work with CFOs, CIOs, CEOs and other high-level executives. 7+ years equipment leasing exp. Resume/indicating you saw ad in Leasing News to:

About the Company: We're the exclusive provider of leasing and finance services for Dell technology systems worldwide. At Dell Financial Services our mission is to deliver financing solutions that enable and enrich the Dell Customer experience.

Finance Consultant

Finance Consultants
Orange County, California

The Cambridge Difference
More Approvals.
Quicker Fundings.

Career Center

Regional Sales Managers

Regional Sales Managers

To establish small ticket vendor programs in major metro areas. Excellent compensation/ benefit package. View job description. Send resumes to

Company Description:
Irwin Commercial Finance (NYSE: IFC) is a true direct lender and in the ever changing leasing environment, we bring stability, creativity and consistent customer service levels to our business

Sales Director

Sales Director
Vendor Relationship Development

Office equipment experience a must. Territory covers FL, GA, SC, NC, AL, MS, LA. Must be able to sell value. To apply online click here.

About the company:
GreatAmerica offers office equipment financing to businesses across the U.S., and is the largest independent leasing company in the small ticket equipment financing market.

Sr. Credit Analyst

Sr. Credit Analyst
Walnut Creek, California

Excellent opportunity to work with growing equipment leasing bank division, excellent reputation. Click here for more information.

First Republic Bank has offices in the San Francisco Bay Area, throughout California, and in Portland, Seattle, Las Vegas, Boston and New York.



Burhill Leasing relocates, expands and celebrates 40th Anniversary

    Burhill Leasing Corporation, founded in 1967, lessor of cars, trucks, and equipment nationwide, celebrates its 40th anniversary this month, expands, and relocates in downtown Dayton, Ohio.

    Burhill Leasing was forced to move recently, due to the proposed reconstruction of I-75 through downtown Dayton.

William "Bill" Brough, president

    “We are dedicated to downtown Dayton after 40 years and plan to remain in a central location for our clients,” said William Brough, president. “This move comes at a good time, to accommodate the company’s growth and expansions.” Burhill’s new location is in Fidelity Plaza, adjacent to the newly renovated Convention Center. We have experienced tremendous growth in the past 8 to 10 years and want to remain in Dayton.”

    “Several years ago, Burhill formed subsidiary Burhill Financial Services to add specialty vehicle financing for ambulances, tow trucks, motorcycles, mobility equipment, mobile medical labs, and just about anything that has wheels,” comments Brough.

    Recently, Burhill Leasing purchased a leasing company in Columbus, Ohio, adding some 200 commercial vehicles to its already sizeable portfolio. The company also co founded a financial services company in Atlanta, Georgia. “The Atlanta office is strictly dedicated to equipment leasing,” according to Brough.

    A 2006 finalist for the prestigious Better Business Bureau “Eclipse Integrity Award,” Burhill Leasing was also the proud 2006-2007 recipient of the Fifth Third Bank Platinum Dealer Award, which is given to a select number of dealers who generate finance volume in excess of 1 million dollars per month.

Irvin Moscowitz, Chief Executive Office

    Mr. Brough and Irvin Moscowitz, the company CEO, are both very active in the Midwest Business Community. Moscowitz is an active member of Downtown Dayton Partnership and has participated in many Dayton real estate projects.

    Brough is president of the Ohio Vehicle Leasing Association (OVLA), an active board member of the National Vehicle Leasing Association, as well as an active participate in several local Chambers of Commerce, Better Business Bureau and Animal Rescue organizations. As president of OVLA, Brough was instrumental in signing a “Truth in Advertising” agreement with the Ohio Attorney General, Jim Petro.

    “Celebrating 40 years of success and making this move is just another beginning for Burhill,” exclaims Brough. “We will continue our upward growth in the Dayton community for many more years to come.”

Irvin Moscowitz
Chief Executive Officer

William Brough


Ohio Vehicle Leasing Association

National Vehicle Leasing Association

National Mobility

Equipment Dealers Association

National Association of
Equipment Lease Brokers

Dayton Chamber of Commerce

Kettering Moraine Oakwood
Chamber of Commerce

Dayton Better Business Bureau

Endorsed lessor of The
Montgomery County Medical Society

Endorsed lessor of
Wright State Physicians

Endorsed lessor of
The Human Race Theatre



Sales Make it Happen

by Linda P. Kester

This is from her new book now available at


Advice from Vendors

Here's what a group of vendors in the security industry had to say about leasing. I bet they speak for many types of vendors. Their advice?


Strong customer service. We want it to be easy to submit an application, easy to get paid, and easy to obtain the status of an application.

Prompt return of calls. We can be quite forgiving about declines and other things. If you are easy to reach and prompt in returning calls.

Occasional progress reports when appropriate. If we call to check on something, give us an update and let us know any other special promotions you may be running.

Respond to emergency needs. When you get us out of a jam, we will be grateful for a long, long time.

Technical knowledge. Understand your own products and services and also our company and our requirements. We expect you to do your homework before you call on us.
If you do these things and deliver what you promised, we will remember you for a long, long time.

Linda Kester helps leasing companies increase volume. For more information, visit: Questions, contact:




An Agency to Oversee ILC Owners? Why Not 4?

ELFA eNews Daily
American Banker (04/24/07) ; Adler, Joe

Federal regulators have agreed that four different agencies will have some degree of regulatory control over the safety and soundness of industrial loan companies (ILCs).

The Federal Reserve Board has traditionally been the primary regulator of ILCs, but the agreement would also give power to the Federal Deposit Insurance Corp. (FDIC), the Office of Thrift Supervision, and the Securities and Exchange Commission.

A pending bill in the House that would restrict ownership of ILCs by commercial companies reflects the terms of the agreement; the original form of the bill focused on giving additional regulatory power to the FDIC, allowing it to regulate parent companies of ILCs not already subjected to consolidated supervision.



Leasing Conferences—2007: Up-Date

Calendar Dates
"2007 Conference, EAEL, Galloway, NJ
"Broker 101:The Foundation" NAELB, Nashville,TN

"51st, Convention of The Ohio Vehicle Leasing Association"

"Annual Conference/Expo" NVLA, Las Vegas, NV
"Fall Annual Conference" UAEL
"46th Annual Conference" ELFA, Orlando, FL





Fitch Releases 2006 Global Corporate Finance Transition & Default Study

Fitch Ratings-New York- Fitch Ratings today released its annual global corporate transition and default study, examining Fitch's global corporate ratings migration and default rates in 2006 and over the long term, capturing the period 1990-2006. The study provides data and analysis on the stability of Fitch's corporate ratings and the ability of Fitch's ratings to predict default.

For the third consecutive year, upgrades readily surpassed downgrades in 2006, most notably among global financial institutions and emerging market entities. Overall, upgrades affected 16.1% of Fitch's global corporate ratings universe, while downgrades affected 6.9%.

'Fitch's 2006 migration data revealed substantial rating stability and above average positive rating volatility, comparable to 2005 results.' said Charlotte Needham, Senior Director of Credit Market Research.

'Across all of Fitch's corporate rating categories, 93% of ratings either remained the same or experienced upgrades in 2006, compared with 88% on an average annual basis over the period 1990-2005.' added Mariarosa Verde, Managing Director of Credit Market Research.

Low defaults were another reflection of generally improving credit quality supported by favorable funding conditions and robust global economic growth. Fitch- rated defaults totaled just two in 2006, compared with eight recorded in 2005.

Fitch's long-term default rates across the various rating categories continued to show a strong relationship between Fitch's ratings and default risk. The 1990-2006 average annual default rates across Fitch's investment grade corporate ratings, for instance, totaled 0.10%, while Fitch's average annual speculative grade default rate was 2.94%.

Furthermore, an analysis of Fitch's rating performance using Lorenz curves and Gini coefficients covering the period 1990 - 2006, again revealed that Fitch's ratings exhibit a strong ability to predict default, producing one- year, three-year and five-year Gini coefficients of 87.5%, 78.2% and 75.4%, respectively.

The new study, 'Fitch Ratings Global Corporate Finance 2006 Transition and Default Study', is available:


**** Announcement **************************************

Get Ready to Go Paperless!

Recently more than 100 leasing and finance professionals from 47 companies attended Equipment Leasing & Finance Foundation's web seminar, "Paperless Transactions: The Competitive Edge." That's more than 100 of your peers and competitors who have a leg up on the coming trend in equipment finance operations.

But you CAN catch up! The Foundation study on which the seminar was based, "Paperless Transaction: The Competitive Edge," is available from the Foundation. The report is a comprehensive look at what leaders must understand to take advantage of the benefits and be ready for the challenges of a paperless business process. It addresses:
-- The benefits of going paperless and the obstacles to adoption;
-- How industry leaders and early converts will shape the guidelines for going paperless;
-- How the secondary markets and Wall Street react to paperless transactions;
--The legal ramifications, ranging from enforceability to perfection of documents;
-- The steps to going paperless and examples of a transaction from origination to completion.

And to help you navigate through this extensive study, it includes a Reader's Guide that that segments the 135-page document according to functional groups within your company. This study is THE GUIDE to getting ready to go paperless!

The study is available FREE to Foundation donors, and for $200 for non-donors at the Foundation website:

**** Announcement***************************************


### Press Release ###########################

PFF Bancorp Reports 7 Percent Increase in Earnings for Fiscal 2007

RANCHO CUCAMONGA, Calif., -- PFF Bancorp, Inc. (NYSE: PFB), the holding company for PFF Bank & Trust (the "Bank"), Diversified Builder Services, Inc. ("DBS") and Glencrest Investment Advisors, Inc. ("Glencrest"), reported net earnings of $55.9 million or $2.25 per diluted share for the year ended March 31, 2007 ("fiscal 2007"), up 7 percent from $52.1 million or $2.10 per diluted share for the previous fiscal year ("fiscal 2006").

Net interest income increased $11.6 million or 7 percent between fiscal 2006 and 2007 to $182.1 million. Net interest margin contracted 27 basis points to 4.15% between fiscal 2006 and 2007. On a sequential quarter basis, net interest margin contracted 5 basis points to 4.00%. Average interest- earning assets increased $527.7 million or 14 percent between fiscal 2007 and 2006. On a sequential quarter basis, average interest-earnings assets decreased slightly by $38.4 million.

Construction, commercial business, commercial real estate and consumer loans (the "Four-Cs") increased $338.6 million or 16 percent during fiscal 2007 to $2.51 billion or 61 percent of loans and leases receivable, net, compared to $2.17 billion or 56 percent of loans and leases receivable, net, one year ago. Four-Cs originations were $2.01 billion or 86 percent of total originations for fiscal 2007 compared to $2.38 billion or 85 percent of total originations for fiscal 2006. On a sequential quarter basis, the Four-Cs increased $49.0 million. At March 31, 2007, DBS had outstanding loans receivable, net, of $118.4 million compared to $87.0 million one year ago and $104.0 million at December 31, 2006. The majority of DBS's loans are classified as construction and land.

Total deposits increased $234.3 million or 8 percent during fiscal 2007 with certificates of deposits ("CDs") increasing $216.1 million, and passbook, money market and demand accounts ("core deposits") increasing $18.2 million. On a sequential quarter basis, CDs decreased $10.7 million and core deposits increased $63.5 million. At March 31, 2007, core deposits of $1.71 billion (including $295.1 million of non-interest bearing demand accounts) represented 52 percent of total deposits compared to $1.69 billion or 55 percent of total deposits one year ago.

Kevin McCarthy, President and CEO commented, "Sound execution of our business model is continuing to deliver strong and consistent balance sheet growth in a very competitive banking environment. With the addition of our second Riverside branch in March 2007, our Apple Valley branch earlier this month and our previously announced additional branch expansion, we are positioning ourselves for continued profitable growth in the Inland Empire."

Full press release and financial statement at:


### Press Release ###########################

Studebaker-Worthington Parent State Bancorp, Inc. Reports First Quarter Earnings

NEW HYDE PARK, N.Y.----State Bancorp, Inc. (NASDAQ: STBC), parent company of State Bank of Long Island, reported earnings for the three months ended March 31, 2007 of $1.7 million versus $2.8 million a year ago. This decline resulted primarily from a reduction in net interest income coupled with an increase in the provision for loan and lease losses during 2007. Financial performance highlights for the March 2007 year to date period are as follows:

1. Diluted earnings per common share were $0.13 in the first quarter of 2007 versus $0.24 in 2006;
2. Average loans and leases outstanding increased by 10% to $995 million;
3. Average core deposits totaled $940 million or 61% of total deposits in 2007 versus $1 billion or 71% of total deposits in 2006;
4. Provision for loan and lease losses increased by $982 thousand in the first quarter of 2007 versus 2006;
5. Non-accrual loans and leases totaled $9 million (0.9% of loans and leases outstanding) at March 31, 2007 and $5 million (0.5% of loans and leases outstanding) at March 31, 2006.
6. Net interest margin declined to 3.68% in the first quarter of 2007 from 4.06% in the comparable 2006 period and 3.78% in the fourth quarter of 2006;
7. Returns on average assets and stockholders’ equity were 0.41% and 6.66%, respectively, in the first quarter of 2007 and 0.69% and 19.13% in 2006, respectively;
8. Tier I leverage capital ratio increased to 6.32% in the first quarter of 2007 versus 4.37% in 2006; and
9. Non-interest income declined by 8.1% during the first quarter of 2007 versus 2006.
10. Total operating expenses decreased 0.5% to $11.8 million in the first quarter of 2007 versus 2006.

Full press release with financial statements here:


### Press Release ###########################

NBT Bancorp Inc. Announces First-Quarter Results and
Declares a 5.3% Increase in Quarterly Cash Dividend

NORWICH, NY -- -- NBT Bancorp Inc. (NBT) (NASDAQ: NBTB) reported today that net income for the three months ended March 31, 2007, was $14.1 million, up 4.0% or $0.5 million from net income of $13.6 million reported for the same period in 2006. Net income per diluted share for the three months ended March 31, 2007, was $0.41 per share, compared with $0.40 per share for the same period in 2006. Return on average assets and return on average equity were 1.13% and 14.06%, respectively, for the three months ended March 31, 2007, compared with 1.18% and 15.11%, respectively, for the same period in 2006. The increase in net income for the three months ended March 31, 2007, was primarily the result of a $0.5 million increase in net interest income and a $1.5 million increase in noninterest income. The aforementioned increases in income were partially offset by a $0.4 million increase in noninterest expense, a $0.4 million increase in provision for loan and lease losses and a $0.7 million increase in income tax expense.

The comparability of financial information is affected by the acquisition of CNB Bancorp, Inc. ("CNB"). Operating results include the operations of CNB from the date of acquisition, which was February 10, 2006.

NBT President and CEO Martin A. Dietrich stated, "Despite the challenges we face in the current interest rate environment, I am pleased with our earnings performance for the first quarter. Although our net interest margin continues to compress, we have been able to successfully mitigate this compression through growth in our earning assets. In addition, we have been able to reduce our reliance on interest income by continuing to post strong noninterest income results. This, coupled with the dedication, focus and perseverance of our employees, has enabled us to deliver strong earnings for the quarter. While 2007 promises to be a challenging year for the financial services industry, I am encouraged by our results for the first quarter."

Full press release here:


### Press Release ###########################

Lakeland Bancorp Reports $4.4 Million in First Quarter Earnings

OAK RIDGE, N.J., -- Lakeland Bancorp, Inc. (Nasdaq: LBAI - News) reported first quarter Net Income of $4.4 million, compared to $4.7 million for the same period in 2006. Earnings Per Share of $0.20 compared to $0.21 for the first quarter of 2006. Annualized Return on Average Assets was 0.78% and Annualized Return on Average Equity was 8.90% for the first quarter of 2007.

Roger Bosma, Lakeland Bancorp's President and CEO said, "We are pleased to report a 19 basis point increase in our Net Interest Margin from the fourth quarter of 2006. This improvement was due to an increase in the yield of interest-earning assets resulting from an improved asset mix from strong loan demand, as well as the stabilizing of our liability costs."

Full press release here:


### Press Release ###########################

TCF Reports First Quarter Earnings and EPS ($.65)

WAYZATA, Minn.--( TCF Financial Corporation ("TCF") (NYSE:TCB - News):
First Quarter Highlights

Record diluted earnings per share of 65 cents
Net income of $82.7 million
Record return on average assets of 2.24 percent
Record return on average common equity of 31.81 percent
Average Power Assets® increased $1.2 billion, or 12.2 percent
Average Power Liabilities® increased $566.4 million, or 6.2 percent

Chief Executive Officer's Statement

"TCF's record earnings for the first quarter of 2007 included a non-recurring gain from the sale of ten outstate Michigan branches and a favorable income tax settlement with the IRS. TCF's first quarter operating results were satisfactory, but like other financial institutions, were negatively impacted by the inverted yield curve and the slow housing markets," said Lynn A. Nagorske, Chief Executive Officer.

Leasing and equipment finance revenues were $14 million for the first quarter of 2007, up $2.1 million, or 17.5 percent, from the 2006 first quarter, primarily due to higher operating lease revenue and other fees.

Full press release and financial statement here:


### Press Release ###########################

PACCAR Announces Strong Sales and Record First Quarter Earnings

Environmental Initiatives Set Industry Standard
PACCAR Increases Quarterly Dividend 25 Percent

BELLEVUE, Wash.----"PACCAR Inc (Nasdaq:PCAR - News) reported excellent revenues and record first quarter net income for the first quarter of 2007," said Mark C. Pigott, chairman and chief executive officer. "PACCAR's balanced global diversification has benefited from a strengthened Eurozone economy and steady GDP growth in North America, in combination with the growth of aftermarket parts and financial services," added Pigott. "PACCAR's business outside the U.S., which is over 50 percent of the company's total revenues, is making a major contribution to the excellent performance, and is providing a counter-cyclical balance to slower business in North America."
Source: PACCAR Inc

· PACCAR Parts opened its 12th distribution center in Oklahoma City, serving customers in the Southwestern United States. (Photo: Business Wire). View Multimedia Gallery

PACCAR has reduced production levels in its U.S. and Canadian facilities to reflect lower industry demand, which has been impacted by higher-cost 2007 emission engines. "The lower demand and proactive build rate adjustments will have a dampening effect on company financial results until the industry absorbs new vehicles purchased in 2006," said Pigott.

Financial Services Companies Achieve Excellent Quarterly Earnings

PACCAR Financial Services (PFS) has a portfolio of more than 160,000 trucks and trailers, with total assets of $10 billion. PACCAR Leasing, a major full-service truck leasing company in North America with a fleet of over 28,000 vehicles, is included in this segment. Record first quarter pretax income of $65.6 million was 20 percent higher than the $54.8 million earned in the first quarter of 2006. First quarter revenues jumped 24 percent to $264 million compared to $212.5 million in the same quarter of 2006.

"PACCAR Financial Services profitably supports the sale of PACCAR trucks on three continents and in 17 countries with a comprehensive portfolio of finance, lease and insurance products," said Ken Gangl, senior vice president. "Record earning assets, excellent finance margins and innovative portfolio management technologies benefiting our customers are contributing to excellent financial results. PFS is continuing to evaluate complementary growth opportunities that can benefit from our $10 billion asset foundation."

"PACCAR Leasing continues to expand its business with the PacLease network at 281 franchised and company owned locations in Canada, United States and Mexico," added Bob Southern, PACCAR Leasing president. "There is tremendous opportunity for PacLease to expand into Europe, utilizing the comprehensive DAF dealer network as well as exploring acquisitions of private leasing companies in Europe."

Full press release here with financial statements


### Press Release ###########################

News Briefs----

Move Over G.M., Toyota Is No. 1

Venture Capital Investments Surpasses $7 Billion in Q1 2007;
Reaches highest quarterly level in five years.

Sales of Previously Owned Homes Plunge to 1989 Level

Property taxes up as house prices fall

AT&T profit doubles to $2.8 billion

Fitch Affirms Bank of America Corporation (BAC) and Subsidiaries; Outlook Stable

LaSalle Bank's run to end,0,2355566.story

Virgin Atlantic orders 15 Boeing craft worth up to $2.8 billion,0,4620712.story?

Paper: Couric may leave CBS Evening News

4/24: Idol Gives Back part I

Newsom pledges to make SF a sanctuary for illegal immigrants



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City must kick in $160 million in cash to score new 49ers stadium



“Gimme that Wine”

Pinot Noir: chasing greatness,1,1852358.story?coll=

NASCAR Points Leader Gordon Trades in Stock Car for Wine, Gourmet Foods in Sonoma

When the Wine Is Green---Eric Asimov

Wine Prices by vintage
US/International Wine Events
Winery Atlas
Leasing News Wine & Spirits Page
The London International Vintners Exchange (Liv-ex) is an electronic exchange for fine wine.



Calendar Events This Day

Administrative Professionals Day®

Anti-Nuclear Day

Anzac Day
Australia. New Zealand and Samoa. Memorial day and veterans’ observance, especially to mark WWI Anzac landing at Gallipoli, Turkey, in 1915.(ANZAC: Australia and New Zealand Army Corps)

Cuckoo Day

Egypt: Sinai Day
National holiday celebrating the return of Sinai to Egypt in 1982 after the peace treaty between Egypt and Israel.

Italy: Liberation Day
National Holiday. Commemorates the liberation of Italy from German troops in 1945.

Portugal: Liberty Day
Portugal. Public holiday. Anniversary of 1974 revolution.

Swaziland: National Flag Day
National holiday

Zucchini Bread Day

Saint Feast Days



All lemons are harvested by hand.

(It seems lemons bruise easily and are therefore only picked by hand.)



Today's Top Event in History

1964- US President Lyndon B. Johnson announces that General. William Westmoreland will replace Gen. Paul Harkins as head of US Military Assistance Command Vietnam (MACV) as of 20 June. The assignment would put Westmoreland in charge of all American military forces in Vietnam. One of the war's most controversial figures, General Westmoreland was given many honors when the fighting was going well, but when the war turned sour, many Americans saw him as a cause of US problems in Vietnam. Negative feeling about Westmoreland grew particularly strong following the Tet Offensive of 1968, when he had requested a large number of additional troops for deployment to Vietnam. On 22 March 1968, President Johnson announced that Westmoreland would leave South Vietnam to take on the post of Army Chief of Staff; Gen. Creighton Abrams replaced him as the senior US commander in South Vietnam.


This Day in American History

    1507-Little is known about the obscure scholar now called the "godfather of America," the German geographer and mapmaker Martin Waldseemuller, who gave America its name. In a book titled Cosmographiae Introductio, published this day, 1507, Waldseemuller wrote: "Inasmuch as both Europe and Asia received their names from women, I see no reason why any one should justly object to calling this part Amerige, i.e., the land of Amerigo, or America, after Amerigo, its discoverer, a man of great ability." Believing it was the Italian navigator and merchant Amerigo Vespucci who had discovered the new continent, Waldseemuller sought to honor Vespucci by placing his name on his map of the world, published in 1507. First applied only to the South American continent, it soon was used for both the American continents. Waldseemuller did not learn about the voyage of Christopher Columbus until several years later. Of the thousand copies of his map that were printed, only one is known to have survived. Waldseemuller probably was born at Radolfzell, Germany, about 1470. He died at St. Die, France, about 1517-20.
    1831-The first streetcar company was incorporated this day in 1831 to be known as the New York and Harlem Railway
    1861-- Emma Edmonds alias Frank Thompson became a male nurse in the Second Volunteers of the United States Army. She later wrote Nurse and Spy, published in 1865, a rather lurid and perhaps not too accurate an autobiographical account of her exploits as a Union field nurse in northern Virginia and Kentucky but who was also a spy for the union forces. It has been estimated that approximately 400 women succeeded in enlisting in the army (either Union or Confederate) during the Civil War. She is buried in Washington Cemetery, Houston Texas, in lot G-26. This is a GAR lot that belonged to George B. McClellan Post of the Grand Army of the Republic. She is the only female member of the organization formed after the Civil War by Union veterans-The Grand Army of the Republic (GAR). There is also a biography of EE, She Rode with Generals, by Sylvia Gannett. Also, Richard Hall in Patriots in Disguise has some biographical information on Edmonds, including her postwar career, but the source of Hall’s comments appears to be from Gannett's book.
    1875 - New York City received three inches of snow, the latest measurable snow of record for that location.
    1898—The U.S. declares war on Spain.
    1898 - The temperature at Volcano Springs CA hit 118 degrees to establish a U.S. record for the month of April.
    1901- New York began requiring license plates on automobiles, the first state to do so.
    1907- Revolutionizing shipping, covered in a “History” Television documentary very well, was the first turbine-propelled naval ship “Chester,” commissioned this day and built at the Bath Iron Works, Bath, ME. The contract price for the hull and machinery was $1,688,000, quite a bit of money for its day. The” Chester” was equipped with four Parsons turbines. It trail speed was 26.52 knots, freeing ships from relying on wind to cross the Atlantic and Pacific Ocean.
    1908-birthday of pianist Joe “from Bowling Green” Dean, St. Louis, MO.
    1908-Birthday of Edward R. Murrow( born Egbert Roscoe Murrow) in Greensboro, North Carolina
    1910 - Chicago, IL, was blanketed with 2.5 inches of snow, and a total of 6.5 inches between the 22nd and the 26th. It was the latest significant snow of record for the city.
    1913-birthday of the great alto sax player Earl Bostic, Tulsa, OK Died 1965, New York City.
(When I was learning how to play the alto sax, he was my favorite in the early 1950’s. I played along with “Harlem Nocturne” for hours until I memorized every lick and turn. It was not until I went to California and saw Charlie Parker in person that I decided I would never become an alto saxophone player and took up playing the Dixieland clarinet and fronting a 21 piece dance band sans musical instrument. I realized I had no talent to be an alto sax player after hearing “the Bird” in person. Charlie Parker with strings is perhaps my favorite album, next to Gil Evans and Miles Davis “Sketches of Spain” or “Old Bottle, New Wine.” or Basie’s atom bomb album. I also like both Turk Murphy Plays WC Handy and Louis Armstrong plays WC Handy. I like my friend Warren Luening's Big Band recordings. On yes, forgot, Bill May plays Jimmy Lunceford. Love all the Billy May albums. What a great arranger!!!!
My dance band could play “Lean Baby, Lean.” Kit Menkin).
    1913-birthday of accordion player Santiago “Don” Jimenez, San Antonio, TX
Died December 18, 1984 San Antonio
    1915-birthday of guitarist Johnny Shines, Frayser, TN .Died April 20, 1992, Tuscaloosa, AL

    1917-birthday of Ella Fitzgerald. Ella Fitzgerald was admired for her superlative musicianship and her skill in scat singing (singing improvised syllables while using the voice as an instrument). Born in Newport News, Virginia, and reared in a New York City orphanage, Fitzgerald was discovered at the age of 16, singing in a Harlem talent show. From 1934 until 1939 she sang with the Chick Webb Band, directing it for a time after the leader's death in 1939. One of her first hit tunes was is now an Easter favorite,” A Tisket, A Tasket.” In the mid-1940s, working with the American impresario Norman Granz, she toured Europe and Asia and performed in his Jazz at the Philharmonic concerts. Fitzgerald appeared in the 1955 film "Pete Kelly's Blues." In 1958 Fitzgerald appeared with the American jazz composer Duke Ellington at Carnegie Hall in New York City. She has also toured Europe frequently with the Oscar Peterson Trio. She died at her home in Beverly Hills, California, on June 15th, 1996.

    1923-birthday of guitarist/singer Albert King (Albert Nelson), Indianola, MS. He was a star at the Fillmore’s East and West during the 1960's, appearing on the bill with top rock stars. King's most popular records were made for the Stax label in Memphis in the late '60s and early '70s. "Cold Feet" made the pop charts in 1968. King died of a heart attack on December 21st, 1992, in Memphis, Tennessee.
    1928-birthday of tenor sax player Willis “Gator Tail” Jackson, Miami,FL. Died, October, 1987
    1928 - Buddy, the first seeing eye dog, was presented to Morris S. Frank on this day. Many seeing eye organizations and schools continue to offer specially trained dogs “ enhance the independence, dignity, and self-confidence of blind people...” (visit
    1932-birthday of Meadow George “Meadowlark” Lemon II, basketball Hall of Famer, born Lexington, SC.
    1945-East meets West: US Army Lieutenant Albert Kotzebue encountered a single Soviet soldier near the German village of Lechwitz, 75 miles south of Berlin. Patrols of General Leonard Gerow's V Corps saluted the advance guard of Marshall Ivan Konev's Soviet 58th Guards Division. Soldiers of both nations embraced and exchanged toasts. The Allied armies of East and West had finally met.
    1946 - Jimmie Lunceford Orchestra recorded "Cement Mixer", (Majestic . )
    1947-Theodore Roosevelt National Park established. Located in North Dakota, the Theodore Roosevelt National Park includes two sections of the Badlands on the Missouri River as well as Theodore Roosevelt's Elkhorn Ranch.
    1950-The Boston Celtics made Chuck Cooper, an All-American from Dugquesne University playing with the Harlem Globetrotters, the first black player drafted by any NBA team when they selected him in the second round.
    1953 - NBC-TV presented "Ethel and Albert", the video version of the popular radio show. Peg Lynch and Alan Bunce starred in the program
    1954-Bell Telephone Laboratories, New York City, announced the invention by Gearld Pearson, Calivin Fuller, and Daryl Chapin of a solar energy battery to convert the sun’s energy into useful amounts of electricity. Made of specially treated strips of silicon, the battery needed no fuel other than the light of the sun. It had no moving parts, nothing in it was consumed or destroyed, and theoretically it was possible for it to last indefinitely.
    1956-Malcolm McLean of Maxton, NC first containership, the Ideal X, left the port of Newark, NJ. He invented containerized shipping. He developed a large shipping container that could be packed with goods at the factor5y, hauled by truck to a port facility, carried on a specially fitted ships to a port terminal, offloaded from the ship, and hitched directly to trucks or loaded on freight cards for cross-continental transport, all without unpacking the containers' contents. The first containership facility was the Elizabeth-Port Authority Marine Terminal, operated by the Port of New York Authority. It opened for business on August 15,1962, when Sea-Land Service’s SS Elizabethport docked in New Bay, Elizabeth, NY, on the south side of Elizabeth Channel, south of Port Newark. During its first year, the facility handled 1.5 million tons of cargo on 242 vessels and employed730 people, who earned a total of more than $4 million. This revolutionized the entire shipping industry, plus gave birth to container and railroad carrier leasing.
    1956- Elvis Presley reached number one on the charts for the first time, with "Heartbreak Hotel." It was Presley's first hit for RCA Victor after the company purchased his contract from Sam Phillips of Sun Records for $35,000.
    1958-Arnold Palmer struggled to a final round 73, one over par, but still won the first of his four Masters championships. Palmer finished at 284, one shot better than Doug Ford and Fred Hawkins. He would win the tournament again in 1960, 1962 (in a playoff) and 1964.
    1959-the canal incorporated into a seaway opened, a 400-mile waterway between Montreal and Lake Erie, connecting the St. Lawrence River with the Great Lakes. It formed part of the St. Lawrence Seaway, 2,342 miles long, which allowed oceangoing ships to travel from the Atlantic Ocean to Duluth, MN.
    1964- US President Lyndon B. Johnson announces that General. William Westmoreland will replace Gen. Paul Harkins as head of US Military Assistance Command Vietnam (MACV) as of 20 June. The assignment would put Westmoreland in charge of all American military forces in Vietnam. One of the war's most controversial figures, General Westmoreland was given many honors when the fighting was going well, but when the war turned sour, many Americans saw him as a cause of US problems in Vietnam. Negative feeling about Westmoreland grew particularly strong following the Tet Offensive of 1968, when he had requested a large number of additional troops for deployment to Vietnam. On 22 March 1968, President Johnson announced that Westmoreland would leave South Vietnam to take on the post of Army Chief of Staff; Gen. Creighton Abrams replaced him as the senior US commander in South Vietnam.
    1964-Dionne Warwick's "Walk on By" enters the Hot 100. Her fifth and thus far, biggest hit will eventually get to #6 on the chart for 13 weeks.
    1964-Peter and Gordon reach Number One on the U.K. pop chart with "World without Love," a song composed by Paul McCartney of the Beatles.
    1967-Abortion first legalized: the first law legalizing abortion in the US was signed by Colorado Governor John Arthur Love. The law allowed therapeutic abortions in cases in which a three-doctor panel unanimously agreed.
    1970 - DJs around the U.S. played the new number one song, "ABC", quite often, as the Jackson 5 reached the number one spot in pop music for two weeks. "ABC" was the second of four number one songs in a row for the group from Gary, IN. "I Want You Back" was their first. "ABC" was one of 23 hits for Michael, Tito, Jackie, Jermaine and Marlon. "ABC" was knocked out of first place by The Guess Who and their hit, "American Woman".
    1972 - Bill Sharman, ending his first year as head coach of the Los Angeles Lakers, was named Coach of the Year in the National Basketball Association (NBA). Sharman had a first year record of 69 wins and 13 lo1973 - The group, The Sweet, received a gold record for the hit "Little Willy". The English rocker band recorded four hits in addition to their first million-seller, "Ballroom Blitz", "Fox on the Run", "Action" and "Love is like Oxygen". "Little Willy" was a top-three hit, while the group’s other gold record winner, "Fox on the Run" made it to the top five.
1974, Anniversary of the Portuguese revolution; a public holiday in Portugal.
    1974-the National Football League adopted a 15-minute, sudden death quarter in an effort to reduce the number of tie games. The league also moved the goal posts from the goal line to the back line of the end zone to make it more difficult to kick field goals.
    1976-Center fielder Rick Monday of the Chicago Cubs rescued an American flag from several fans who ran onto the field and attempted to set it on fire. The incident occurred in Dodger Stadium in the fourth inning of a 5-4 10 inning victory by the Dodgers.
    1976 - No. 1 Billboard Pop Hit: ``Let Your Love Flow,'' Bellamy Brothers.
    1977-At a concert at the Saginaw, Michigan Civic Center, Elvis Presley makes what will be the last recordings of his life. Three songs from the show will appear, in heavily overdubbed mixes, on the posthumously released Presley album, "Moody Blue."
    1979-The film "Rock & Roll High School" starring the Ramones premiers.
    1980 -- President Jimmy Carter tells the American people about the hostage rescue disaster in Iran.
    1982- National holiday in Egypt celebrating the return of Sinai to Egypt after the peace treaty between Egypt and Israel.
    1985 - "Big River (The Adventures of Huckleberry Finn)" opened at the Eugene O’Neill Theatre on Broadway in New York City. The Tony Award-winning score for the show was written by Roger Miller (his first Broadway production). The show, about life on the Mississippi, with Daniel Jenkins in the starring role of Huck Finn, ran for 1,005 performances and won the Tony for Best Musical of the Year. "Big River" picked up several more Tony Awards: Featured Actor in a Musical to Ron Richardson; Best Director (Musical) to Des McAnuff; Best Book (Musical) to William Hauptman; and Best Scenic Designer and Lighting Designer to Heidi Landesman and Richard Riddell respectively.
    1988---Top Hits
Wishing Well—Terence Trent D Arby
Anything for You—Gloria Estefan
Where Do Broken Hearts Go—Whitney Houston
Pink Cadillac---Natalie Cole
    1990-Hubble Space Telescope: deployed by Discovery, the telescope is the largest on-orbit observatory to date and is capable of imaging objects up to 14 billion light-years away. The resolution of images was expected to be seven to ten times greater than images from Earth-based telescopes, since the Hubble Space Telescope is not hampered by Earth's atmospheric distortion. Launched Apr 12, 1990, from Kennedy Space Center, FL. Unfortunately, the telescope's lenses were defective, so the anticipated high quality of imaging was not possible. In 1993, however, the world watched as a shuttle crew successfully retrieved the Hubble from orbit, executed the needed repair and replacement work and released it into orbit once more. In December 1999 the space shuttle Discovery was launched to do extensive repairs on the telescope.
    1993—Top Hits
Freak Me---Silk
Nothin’ But a “G” Thang---Dr.De
I Have Nothing (from the “Bodyguard”)—Whitney Houston
    1995-- The 257-day strike ends as the Dodgers beat the Marlins 8-7. The work stoppage caused last season to end early, force the cancellation of World Series, and delayed the opening of this season.
    1998-- The 'Iron Man's' streak continues as Cal Ripken plays in his 2,500th consecutive game as the Orioles host the A's at Camden Yards.
    2001-- Padres' outfielder Rickey Henderson, 42, breaks the career walks record established by Babe Ruth when he receives his 2,063rd base on balls.
    2002—Top Hits
What’s Luv---Fat Joe featuring Ashanti
U Don’t Have to Call—Usher
I Need a Girl (part 1)---P.Diddy featuring Usher and Loon
Ain’t It Funny—Jennifer Lopez featuring Ja Rule

NBA Finals Champions This Date

    1952 Minneapolis Lakers
    1965 Boston Celtics.

Stanley Cup Champions This Date

    1964 Toronto Maple Leafs



Baseball Poem

Hot Stove

by Two Finger Carney

Before television
People talked
And when the snows came
People talked near the hot stove

Smell the bread baking
And wonder if the Babe
Really did call that homer

Pull off your wet boots
Prop up your feet so your soles
Are toasting
And wonder how Cobb would do

Against Carl Hubbell
Or how your favorite team
Of the past
Might fare next spring

If they could be resurrected
Or coaxed out of that Iowa cornfield
Sip some hot cocoa with marshmallows
Invite the kids to join in

Was it better when the gloves were small
Or is that just nostalgia?
For your own youth?
Could Canseco have started

For the '27 Yankees
And should games in which
The first hit is yielded in the 10th
Count as a no-hitter?

Steer clear of religion and politics
And players' salaries
And the afternoon can go on
Until sundown

Was the best-pitched game
The double no-no by Vaughn and Toney
Or Walsh's 1-0 loss to Joss' perfecto / Or the iron man duel
between Burdette and Haddix?
And how come no one hits .400 any more?

The stoves are in junk yards or museums now, forever cool
But the questions live on
Talking baseball
Beats most things on TV
That is
When there's no game to watch





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