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Banking Law
prohibits a bank or trust company from lending to any person an amount which will exceed 15% of its capital stock, surplus fund and undivided profits Capital stock is defined in the Banking Law as the aggregate par value of all outstanding shares of every class plus the face amount of every capital note or debenture issued by the bank in accordance with the required approvals by Superintendent of Banks contributions and transfers from undivided profits or from net profit bank's capital stock in excess of its par value Dividends Undivided profits are the accumulated net profits of the bank which have not been paid out in dividends or transferred to surplus capital stock, surplus fund and undivided profits Goodwill intangible assets for capital purposes Unrealized gains Allowance for loan losses Capital Stock, Surplus Fund and Undivided Profits accumulated translation adjustments reserves for taxes, interest and expenses dividends declared contingencies valuation reserves for securities paid-in or earned profits surplus fund

Law Firm Website
Bodker, Ramsey, Andrews, Winograd & Wildstein, P.C.
One Securities Centre, 3490 Piedmont Road, suite 1400, Atlanta, 30305, 404.351.1615, FAX: 404.352.1285 
    Since our founding in 1986, we at Bodker, Ramsey, Andrews, Winograd & Wildstein, P.C., have, in a significantly changed legal environment, held fast to our original philosophy: to provide sophisticated and responsive legal services to individuals, institutions, and businesses by a group of highly qualified legal practitioners.  The heart of our practice is practical business and personal law with a concentration on our clients' business development and planning, and the protection, preservation and enhancement of our clients' assets.  We at BRAWW have consummated innumerable business transactions, including the purchase, sale, acquisition, consolidation and divesture of businesses; complex mergers of high net worth entities; and complex joint ventures, multi-state sales, acquisitions and loan transactions. The firm is also an authorized agent for First American Title Insurance Company.

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