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,Background:Continuing on my coverage of First Financial Northwest, I wanted to provide an update to this initial report for the 3Q14.1(click to enlarge)Source: SEC filings, Author's calculationsFig.2(click to enlarge)Source: SEC filingsFig.3(click to enlarge)Source: SEC filingsFig.4(click to enlarge)Source: SEC filingsThese graphs update those found in my initial report; the trends remain solid.1: Adjusted earnings before taxes (AEBT) increased by 8% in the 3Q14 from the linked quarter and 55% YoY from 3Q13.Recall that this calculation excludes non-recurring expenses such as goodwill impairments, regulatory assessments, and losses/gains from the sale of bank foreclosed property.
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,[There will be more volatility we'll grow bits probably 35 to 45 %.I expect demand will be in line with that because if we need to we will drop the price to make demand growth equal what the supply is."On the face of it, the comment above is unremarkable.Micron has said similar things about the NAND market in the past.It's price elastic, it's volatile, pricing has mirrored cost reductions, blah blah blah.But wait! "Disruptive 3D", "opportunity to cut costs," "we can keep a little bit" On closer reading we are hearing real news - a man bites dog headline - about their strategy going forward.Translated, what Bedard is saying is that Micron is going to be in a position to drive ongoing industry price reductions.
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,However, we got a $15 bonus move to $1170.The three moves were up, down and back up.Well, then we started a three wave down move, falling first to $1117, then swinging up to $1144.50, before bottoming just under $1100.Fortunately we stopped at $1100 which is an improvement over the recent low of $1072 to $1080.Making a higher low, shows that gold is trying to bottom and with a move back over $1144.50, will turn the trend sideways.The first swing out of the low did not quite make it, as we stopped at $1141.50, a gain of about $41.Then we corrected down around $1120 on the down wave, before moving higher now.
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