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Vac
(NAPS)—When it’s time for
that long-planned vacation,
whether you’re going big—say, the
London Olympic Games—or keep-
ing it a bit more modest—the
cabin by the lake—or you plan to
just stay at home and relax with
your family, you’ll want to remem-
ber the times with great photos.
While today’s cameras and
smartphones make taking photos
a snap, there are many tech:
niques you can use to be sure
your photos not only look great,
but are memorable and worth
keeping and sharing.
There are plenty of sites online
with tips from professionals that
will help you take excellent pic-
tures. The experts at Adobe, whose
Photoshop Elements software is
the leader for image editing, have
compiled a list of tips and tricks
that work well for them.
Observe the “Rule of Thirds”
This tip will help you create an
eye-pleasing composition: Don’t cen-
ter your subject. Imagine a 3x3 grid.
Put the important elements along
the lines and where they intersect,
which brings more attention to the
picture than centering would.
Watch the Light and Exposure
Avoid shooting into direct sun-
light. Doing this is not only harsh, it
creates unwanted dark shadows
and may make subjects squint.
Generally, it’s best to take your pho-
tos in the morning after sunrise and
right before sunset. If you must
take photos in direct sunlight, here
are two simple-to-follow tips: (1) Try
to set things up so your subjects
don’t have to look into the sun and
(2) turn on your flash. Yes, even in
the daytime. It will fill in shadows
and produce a better exposure.
Get Up Close and Personal
Panoramas are breathtaking.
But sometimes the most memo-
When you head out for your next
vacation, take your camera and
your Imagination, have fun, experi-
ment and create lasting memories.
rable pictures are taken not of an
entire subject but of a small area
of the subject—an intricate pat-
tern on a door frame, dew on a
blade of grass, a child’s eyes.
These can have more impact. You
can use your camera’s flower
mode for sharper close-ups.
When you have more than one
subject in the photo, think about
how to arrange them for greater
interest. Try to target a clean back-
ground: Cluttered backgrounds
distract from highlighting the sub-
jects, while plain backgrounds help
emphasize your subjects. Remem-
ber to take some vertical shots.
The world isn’t only horizontal.
Add the Pro’s Touch
Once you’re home, you can turn
your vacation photo portfolio into
something a pro would be proud of.
The beauty of imaging tools, such
as Adobe Photoshop Elements, is
that you can focus on capturing the
moment and let the software do
the rest. Today’s consumer photo—
editing software can help you fix
flaws, adjust colors and transform
photos to get the perfect shot.
ations Mean Photos
For example, suppose you forgot
the rule of thirds and your photo
just looks out of kilter. Crop guides
can help you apply the rule after
the fact. Other features allow you
to instantly unclutter or repair pho-
tos. It’s easy to remove unwanted
elements such as objects or people.
You can also create the perfect
shot, whether a portrait, group or
vista, by combining the best from a
series of shots. You can create an
amazing panorama, for example, by
stitching together a series of both
vertical and horizontal shots. Also,
you can produce a great group shot
by taking the best from several
images. Similarly, recompose your
picture to any size without distort—
ing people or buildings, or go from
landscape to portrait or vice versa.
Cleaning up common flaws or
enhancing images can be easy, too.
You can make skies bluer, eliminate
red-eye and adjust color, contrast
and lighting with a few clicks.
Share
Now that your photos look
great, you’re going to want to
share them. Before you do, you
may want to enhance with effects,
text or graphics—creating an
entertaining viewing experience.
Slide shows are one popular way
to organize and show off your pho-
tos. You can even mix in a bit of
video to take full advantage of th'e
video capture feature of your cam-
era. Other ways to shOWCase your
shots include photobooks, scrap-
books, greeting cards and calen-
dars. You can always print your
photos at home and create a more
traditional photo album.
Finally, the Internet gives you
lots of options to share. Friends
and family can View your vacation
photos on YouTube, Facebook, any
number of photo—sharing sites,
even your personal Web page.
First Century
Bankhare Inc.
Reports
First Century Bankshares, Inc.,
Bluefield, West Virginia, (OTC -
'FCBS) announced unaudited net
income of $2,326,000 for the year
ended December 31, 2015. This
compares to $3,175,000 earned
during the same period in 2014. Net
income per diluted share was $1.22
for the year ended December 31,
2015 compared to $1.67 per diluted
share for the year ended December
. 31, 2014.
Net income for 2015 produced a
«digit! L» '~ .,
The pI‘onSlOn 16r 1b'a‘n“ 153333" 5'21";
$283,000 for the year ended
December 31, 2015 compared to the
provision of ($313,000) for the same
period in 2014. Net charge-offs were
$153,000 for the year ended
December 31, 2015, compared to
$870,000 for the year ended
December 31, 2014.
Total assets at December 31, 2015
were $406,139,000 as compared to
$401,242,000 at December 31, 2014,
or an increase of $4,897,000, or 1.2%.
return on average equity (ROAE) of Management maintained significant
5.13% and a return on average
assets (ROAA) of 0.57% compared
liquidity throughout the year due to
the lack of loan demand or other
with 7.17% and 0.78%, respectively, investment opportunities in the
for 2014. Dividends paid during prevailing low interest rate
2015 were $0.83 per share compared environment. Total loans decreased
to $0.79 per share during the year $5,534,000, or 2.3%, during this
ended December 31, 2014. The period to $234,234,000 atDecember
Company continues to be well 31.
20 15, compared with
capitalized at December 31, 2015, $239,768,000 at December 31, 2014.
with total risk-based capital to risk The investment portfolio decreased
weighted assets of 19.83%, and a
Tier 1 leverage ratio of 11.26%.
1 Net interest income, for the year
ended December 31, 2015 was
$12,801,000, an increase of
$135,000, or 1.1%, as compared to $
12,666,000 for the year ended
December 31,2014. Net interest
margins for the years ended
December 31, 2015 and 2014 were
3.11% and 3.10%, respectively.
Noninterest income was
$5,276,000 for the year ended
December 31, 2015 and represented
a decrease of $ 122,000, or 2.3%,
compared to $5,398,000 for the same
period in 2014. The reduction in
other noninterest income was
primarily attributable to fees on
overdrafts and other service charges
on deposit accounts which declined
$194,000, or 11.6%, during the
period. Increases in fiduciary fees of
$18,000, or 1.0%, and securities
gains of approximately $40,000
helped reduce the impact of the
decreased deposit related revenue.
Noninterest expense of
$14,428,000 for the year ended
December 31, 2015 represented an
increase of $690,000, or 5.0%, from
$13,738,000 for the same period in
2014. This was primarily
attributable to additional
impairment write-downs of
$604,000 for other real estate owned
during the year ended December 3 1,
2015, compared to 2014. Also,
significant lump-sum distributions
from the Corporation's employee
pension plan triggered accelerated
recognition of previously deferred
actuarial losses. The Corporation,
recognized $256,000 in additional
settlement charges for the year
ended December 31, 2015.
1
approximately $2,292,000, or 2%,
during this same period. First
Century Bankshares, Inc. Reports
2015 Year End Earnings February
22, 2016.
Total deposits increased by
$6,158,000, or 1.8%, to $350,260,000
at December 31, 2015 from
$344,102,000 at December 31, 2014.
Noninterest-bearing de~deposits
increased by $1,772,000, or 3.1%.
Interest-bearing deposits increased
$4,386,000, or 1.5%, during this
same period.
Nonperforming assets, including
nonaccrual loans, accruing loans
past-due over 90 days, restructured
loans in compliance with modified
terms and other real estate owned,
were $12,886,000 at December 31,
2015, which was 5.5% of total loans
and 3.2% of total assets. This
compares to $14,286,000, or 6.0% of
total loans and 3.6% of total assets
at December 31, 2014.
First Century Bankshares, Inc. is
a bank holding company that owns
First Century Bank, Inc.,
headquartered in Bluefield, West
Virginia, with 12 branches, a loan
production office and 17 ATM
locations throughout southern West
Virginia and southwestern Virginia.
This press release may contain
certain forward-looking statements
(as defined in the Private Securities
Litigation Act of 1995), including
certain plans, expectations, goals
and projections, which are
inherently subject to numerous
assumptions, risks and
uncertainties. Actual results could
differ materially from those
contained in or implied by such
statements for a variety of factors
including but not limited to: changes
in economic conditions which may
affect our primary market area;
rapid movements in interest rates;
competitive pressures on product
pricing and services; success and,
timing of business strategies;
success and timing of loan workout
strategies; the nature and extent of
governmental actions and reforms;
continuing consolidation on the
financial services industry; rapidly
changing technology; and evolving
financial industry standards. First
Century undertakes no obligation to
revise these statements following
the date of this press release.
Notice
HISTORICAL CALENDAR
Historical Calendar The 2016
Historical Calendar sponsored by
the Veterans Museum is available at '
the Summers Co. Library and the
Railroad Museum. This calendar
features the Blue Sulphur Springs
Resort, the Federal Prison at
Alderson, an 1870 steam locomotive,
The Masonic Theatre, Mecot
Camara and the Alderson Lion.
CFM
The Campbell—Flannagan-
Murrell House Museum closed for
the season on November 1. Tours
may still be arranged by calling 304-
445-5769 or by sending an email to:
cfm_fmh@yahoo.com.
Our meetings are the third
Thursday of each month at 6:30 pm.
and are open to the public. We meet
at the Museum, but ,if the
temperature is cold, call for an
alterative meeting place. If you are
interested in Hinton’s history or
getting in some volunteer
experience, we welcome you to
participate in the Museum's
activities. You may also visit us on
Facebook and our website is: cfm-
fmh.org. We will reopen in May.
It is said that Picasso could draw
before he could walk and his first
word was “lapiz,” the Spanish word
for pencil.
p
' 4'.
Tues. March 1, 2016 Hinton News 5
34 Senators, 171 Representatives Ask
the D.C. Circuit Court of Appeals to
Vacate EPA's So-Called "
Clean Power Plan"
Senators Shelley Moore Capito
(R-W.Va.), chair of the Senate
Environment and Public Works
Subcommittee on Clean Air and
Nuclear Safety, and Joe Manchin (D-
W.Va.) filed an amicus brief today in
the case of State of West Virginia, et
al. v. Environmental Protection
Agency, et al.
The effort led by U.S. Senate
Majority Leader Mitch McConnell
(R—Ky.), Senate EPW Committee
Chairman Jim Inhofe (R-Okla.),
House Energy and Commerce
Committee Chairman Fred Upton
(R—Mich.) and House Energy and
Power Subcommittee Chairman Ed
Whitfield (R-Ky.) garnered support
from 34 Senators and 171 House
Members.
The amicus brief is in support of
petitions filed by 27 states, including
West Virginia, seeking to overturn
the EPA's Clean Power Plan..
"As I have said time and time
again, the harmful Clean Power
Plan and its economic assault on
states like West Virginia must be
stopped," said Senator Capito, who
is leading legislative efforts in the
Senate to roll back the Clean Power
Plan.
"The Supreme Court was right to
halt these costly regulations while
legal challenges are ongoing.
The EPA has overstepped its
authority by imposing enormously
burdensome regulations on states
despite Congress' rejection, and now
the Court should vacate this
disastrous rule altogether.
"I have made it clear that we must
stop the EPA from ignoring the
damage its regulations are causing
to our energy sector, our economy
and our way of life immediately,"
Senator Manchin said.
l’The Supreme Court ruling is an
(NAPS)—One of the most
promising alternative energy
sources is ethanol, a renewable
fuel made from corn, wood chips
and grass. The more we use, the
less we need oil, says Bob Din-
neen, president and CEO of the
Renewable Fuels Association.
***
Every Motor Vehicle Depart-
ment in the U.S. and Canada
reports branded titles to Carfax.
With this information, consumers
get unprecedented protection from
' Carfax to help identify and avoid
hidden problems, such as title
washing. You can now shop for
used cars at the all—new www.car
fax.com.
Twenty-seven percent of teens
never check the condition of their
tires, so Michelin North America
launched Beyond the Driving
Test, to raise awareness of tire
maintenance and safety, and cre-
ated a downloadable glove box
guide. Learn more at www.beyond
thedrivingtest.com.
Your vote and support appreciated
Comments or questions? Call or text (304) 994-0792 or email
jameswmcneely@gmail.com
Political ad paid for by the Candidate: James W. “Jim” McNeely,
Democrat
(Campaign contributions neither solicited nor accepted)
important step to rein in this out-
of-control agency,,which overstepped
as legal authority by imposing
regulations without taking into
account the impact on West
Virginia's economy, our people and
our way of life.
The courts must vacate this
reckless rule in its entirety in order
to prevent loss of countless jobs,
increased utility rates and
additional harm to our economy.
Thirty-nine lawsuits seeking
review of the Final Rule have been
consolidated in the D.C. Circuit
. The Final Rule was stayed by
the Supreme Court on Feb. 9.
The D.C. Circuit is scheduled to
hear oral arguments in the
consolidated cases on June 2. An
amicus brief, or "friend of the court"
brief, can be filed in order to address
concerns and advise the Court on a
matter of law that directly affects
the case at hand.
In the brief, the members state
that:
The Final Rule goes well beyond
the clear statutory directive by,
among other things, requiring
States to submit, for approval, state
or regional energy plans to meet
EPA's predetermined C02 mandates
for their electricity sector.
In reality, if Congress desired to
give EPA sweeping authority to
transform the nation's electricity
sector, Congress would have
provided for that unprecedented
power in detailed legislation.
Indeed, when an agency seeks to
make "decisions of vast 'economic
and political significance” under a
"long-extant statute," it must point
to a "clear" statement from
Congress. Util. Air Regulatory Grp.
v. EPA,134 S. Ct. 2427, 2444 (2014)
(quoting FDA v. Brown &
ln he photo
Back row- Ella Pack,, Front row L-R Jayden Bragg, Brooklyn
Meadows, Morgan Southern, Madison Cook, Chloe Cole, Kimberly
Southern and Cadence Knop. Dogs-Ziggy and Patience Submitted
Williamson Tobacco Corp., 529 U.S.
120,160, 529 U. S. Ct. 1291,1315
(2000)). EPA can point to no
statement of congressional
authorization for the Final Rule's
central features, precisely because
there is none.
Nor has Congress authorized EPA
to make the policy choices that are
reflected in the Final Rule—a rule
that imposes enormous costs on
States and the public without
achieving meaningful climate
benefits.
Because of the Final Rule, States
will face unprecedented new
regulatory burdens, electricity
ratepayers will be subject to billions
of dollars in compliance costs, and
American workers and their families
will experience the hardship of job
losses due to power plant
shutdowns, higher electricity prices,
and overall diminishment of the
nation's global economic
competitiveness.
Choices of this nature are
inherently Congressional decisions.
See W. Minn. Mun. Power Agency v.
Fed. Energy Regulatory Comm'n,
806 F.3d 588, 593 (D.C. Cir. 2015)
("Agencies are empowered to make
policy only insofar as Congress
expressly or impliedly delegates that
power.") (citing Util. Air Regulatory
Grp.,134 S. Ct. at 2445 (2014)).
Congress has not authorized EPA to
make the central policy choices in
the Final Rule and, in many
respects, has affirmatively rejected
those policies, as it certainly did with
respect to cap-and-trade programs
for CO2 emissions from power
plants.
Accordingly, the Final Rule that
has been properly stayed by the
Supreme Court should now be
vacated by this Court.
By Karen Eagle Summers County Schools Girl Scouts.
Girl Scout News
Girl Scout News Daisy Troops
1208 and 8147 enjoyed guest
speakers, Cheryl Miller and Amy
Vega at a recent troop meeting. Ms.
Miller and Ms. Vega volunteer for
the Summers County Humane
Society and brought their dogs for
the girls to meet. Ms. Miller brought
Patience and Ms. Vega brought
Ziggy so the girls could learn about
the dogs' success stories in finding
forever homes. They spoke to the
girls about the purpose of the
humane society and animal care.
The girls collected and donated dog
food to Summers County Humane
Society as part of the girls' Thinking
McNeely for Prosecuting Attorney
qualified, experienced, independent
Prosecuting Attorney of Summers County, 2001 2006
Graduated in top 10% of class from WVU College of Law, 1986
Concord University graduate, served as President of Concord
Alumni Association, and selected “Alumni of the Year” in 1992
Masters from VT with concentration in Public Administration
Served as Chief Writ Clerk, W .Va. Supreme Court of Appeals
Former member W. Va. House of Delegates, on Judiciary Committee
Served as City Police Judge for City of Princeton, WV
Firstjob after Concord graduation was as Summers County teacher
U. S. Army artillery officer in Vietnam and in W. Va. National Guard
Commander of Hinton National Guard unit in late 70'slearly 80's
Day and Troop Take Action project.
Ella Pack from Junior troop 5395
completed the requirements for her
Junior Aide Patch at this event.
Future events in Summers
County include a Mother/Daughter
Tea on March 11, a Father/Daughter
Outdoor Event on April 23, and an
overnight J unior CSI training camp
May 20-21 for girls in grades K-5. ‘
Girls in grade K-12 may still register
as a girl scout to attend these events.
Registration fee is $15 and financial
aid is available. We still need leaders
for several of our troops. Contact
Karen Eagle at 304-573—0178 for
more information.