And the injury to John Smoltz hurts the Braves, as he is planning on coming back as a reliever. Oh yeah, and there are those Washington Nationals The “softball team” at the bottom of the division. At least Ryan Zimmerman has found his power of late, and they took three out of four from the Mets in Shea stadium. Overall, as much as I hate to say it, I still have the Braves winning the division Their pitching will only get better as the days pass. They will see Smoltz and Rafael Soriano come back, and they have a potent offense to support Tim Hudson and Tom Glavine in their rotation, as well as they guys that have to fill-in. So, it is not QUITE the end of the world, as the Washington Nationals are still at the bottom of the division. Though I do expect the Marlins to contend with the heavyweights in the division until about August, and make the city of Philadelphia have numerous heart attacks due to the thought of the Marlins winning the division as “the team to beat”. . CLINTON, N.J., April 23 /PRNewswire-FirstCall/ — Unity Bancorp, Inc. (Nasdaq:UNTY), parent company of Unity Bank, reported net income of $731 thousand or$0.05 per diluted share, for the quarter ended March 31, 2009, compared to netincome of $584 thousand or $0.07 per diluted share, for the quarter endedDecember 31, 2008, and $1.2 million, or $0.17 per diluted share, for thequarter ended March 31, 2008.Earnings per share for the first quarter of2009 have been adjusted to reflect the full impact of the dividend on thepreferred stock issued to the United States Treasury on December 5, 2008. Return on average assets and average common equity for the quarter ended March31, 2009, was 0.33% and 2.90%, respectively, as compared to 0.26% and 3.56%,respectively, for the quarter ended December 31, 2008 and 0.65% and 10.50%,respectively, for the quarter ended March 31, 2008.James A.

Hughes, Unity Bancorp’s President and CEO, said, “The times areindeed challenging; however they are also a time of great opportunity.As thelarger banks contract inward, it is time for community banks to increasemarket share by selling the message that when it comes to banking, smaller isbetter.We approach these opportunities as a well capitalized institution,ready to lend in our communities.” Mr. Hughes added, “I am pleased that ouroperating results increased quarter over quarter and that Unity continues toremain a profitable institution.However, operating results continue to beaffected by the downturn in the economy.We have taken proactive steps todecrease our expense base.In the fourth quarter of 2008, Unity decided toexit the SBA program as a line of business and closed all SBA loan productionoffices outside our primary trade area.We now offer SBA loans only as anadditional credit product to customers in our markets. The decision to reduceour SBA activity was made due to deterioration in the loan portfolio and thereduced profitability on the sale of this product into the secondary markets. We continue to experience challenges with our existing small businesscustomers, many of which continue to experience stress due to the economy.Asa result, we will continue to have elevated provisions for loan losses.Wecontinue to be aggressive in working with and managing delinquent borrowersand are making every attempt to bring credit quality to more normalizedlevels.”Net Interest IncomeSince March 31, 2008, the Federal Open Market Committee has lowered interestrates 200 basis points in an attempt to stimulate economic activity. Thesedecreases have resulted in lower yields on earning assets in addition to lowerfunding costs.During the remainder of 2009, we expect net interest margin toexpand as higher cost certificates of deposit re-price in the current lowerrate environment. SBA 7(a),SBA504, commercial, residential and consumer loans increased 7.5%, 7.3%,0.6%, 62.9% and 8.1%, respectively.Growth in the residentialmortgageportfolio was due to a decision to originate and retain Jumbomortgages.–Total securities increased $43.7 million as Unity took advantage offavorable credit spreads to invest excess liquidity.–Total deposits increased 9.5% or $61.0 million to $703.3 million atMarch 31, 2009.This increase was due to an $82.0 million increase intime deposits and a $9.1 million increase in interest-bearing checkingaccounts. These increases were partially offset by a $5.1 milliondecrease in demand deposits and a $25.0 million decline in savingsdeposits.During 2009, the Company expects run off in time depositstomigrate to its lower cost accounts.–Total borrowed funds increased $2.0 million to support the growth intheinvestment portfolio.–Shareholders’ equity was $67.5 million at March 31, 2009, anincrease of $19.6 million, primarily due to the issuance of $20.6million of preferred stock under the U.S.

Department of Treasury’sCapital Purchase Program.–Book value per common share was $6.93.–At March 31, 2009 the leverage, Tier I and total risk based capitalratios were 9.28%, 12.32% and 13.57%, respectively.Credit Quality–Nonperforming assets totaled $20.7 million at March 31, 2009, or 3.1%oftotal loans and “OREO” compared to $4.4 million, or 0.7% oftotal loans and “OREO” a year ago. The increase innonperforming assets was primarily related to the credit deteriorationin the SBA 7(a) and SBA 504 portfolios, most of which is secured byrealestate.–The allowance for loan losses totaled $10.3 million at March 31, 2009,or 1.54% of total loans. The provision for loan losses for the firstthree months of 2009 amounted to $1.5 million, an increase of $1.1million from the same period a year ago.–Net charge-offs were $1.5 million for the first three months of 2009,compared to $183 thousand for the same period a year ago.Theincreasein net charge-offs for the quarter was primarily related to creditdeterioration in SBA 7(a) and 504 loans.Unity Bancorp, Inc. Bedner, EVP, Chief Financial Officer, Unity Bancorp, +1-908-713-4308. Quite frankly, I would beembarrassed if I was even affiliated with a group of uptight pieces of drivel.Yeah, I am steamed about what they ruled.What I am not steamed about is how the Court of Arbitration for Sport (CAS) stepped up, and did what is right.The CAS overruled the IAAF, and gave Pistorius the opportunity to qualify for the ‘08 Olympics.If he doesn’t make the team, he at least got the opportunity.  To say a man or woman who isn’t “perfect” is ineligible, to me, doesn’t reflect what the Olympics are about.Yeah, the ParaOlympics are amazing, but if one of those athletes believes they can do it in the Olympiad that everyone else competes in, by all means let them.So I honestly hope this kid makes South Africa’s team.

If I was a South African and saw this man representing my country, I know I’d be proud to support him.. Book chronicles Sidney Garfield, MD’s vision of health care from itsground-breaking roots to the creation of a new model of health care in theUnited StatesOAKLAND, Calif., April 23, /PRNewswire/ — Kaiser Permanente co-founder SidneyGarfield MD’s innovative vision of American health care – from a 12-bedhospital in California’s Mojave Desert to what is now the nation’s largesthealth care delivery system and not-for-profit health plan – was releasedtoday in a biography, “The Story of Sidney R. Garfield, MD: The Visionary WhoTurned Sick Care into Health Care.”The book (Permanente Press, 2009) alsopresages a future for health care in which physicians and caregiverscollaborate and leverage technology to provide the best care to every patient.”Rarely has an historical book shown such relevancy for today’s environment orcircumstances,” said Jack Cochran, MD, executive director of The PermanenteFederation.”The tenets upon which Dr. Garfield’s health care system arefounded, including access, affordability, prevention and evidence-basedmedicine, are at the core of what is being discussed as a model for today’shealth care reform.”In the 1940s, Dr Garfield partnered with industrialist Henry J.

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