Home > Liberty Bank, SSB > Income and Expense
Liberty Bank, SSB, Income and Expense
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,027,000 | 3,367 |
| Total interest expense | $878,000 | 4,001 |
| Net interest income | $3,149,000 | 3,148 |
| Provision for loan and lease losses | $10,000 | 6,364 |
| Total noninterest income | $848,000 | 2,491 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $443,000 | 1,947 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $405,000 | 2,488 |
| Total noninterest expense | $2,680,000 | 2,903 |
| Salaries and employee benefits | $1,366,000 | 3,087 |
| Premises and equipment expense | $466,000 | 2,423 |
| Additional noninterest expense | $848,000 | 2,774 |
| Pre-tax net operating income | $1,307,000 | 2,903 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $440,000 | 2,410 |
| Income before extraordinary items | $867,000 | 3,310 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $867,000 | 3,310 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 4,719 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $867,000 | 3,220 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,083,000 | 3,274 |
| Total interest expense | $477,000 | 3,787 |
| Net interest income | $1,606,000 | 3,083 |
| Provision for loan and lease losses | $10,000 | 5,595 |
| Total noninterest income | $398,000 | 2,544 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $220,000 | 1,910 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $178,000 | 2,660 |
| Total noninterest expense | $1,349,000 | 2,895 |
| Salaries and employee benefits | $685,000 | 3,091 |
| Premises and equipment expense | $229,000 | 2,484 |
| Additional noninterest expense | $435,000 | 2,684 |
| Pre-tax net operating income | $645,000 | 2,893 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $145,000 | 3,155 |
| Income before extraordinary items | $500,000 | 2,944 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $500,000 | 2,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,358 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $500,000 | 2,845 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,467,000 | 3,270 |
| Total interest expense | $1,999,000 | 4,031 |
| Net interest income | $6,468,000 | 2,975 |
| Provision for loan and lease losses | $210,000 | 3,929 |
| Total noninterest income | $1,915,000 | 2,387 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $923,000 | 1,875 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $992,000 | 2,401 |
| Total noninterest expense | $5,676,000 | 2,737 |
| Salaries and employee benefits | $2,890,000 | 2,859 |
| Premises and equipment expense | $1,029,000 | 2,203 |
| Additional noninterest expense | $1,757,000 | 2,692 |
| Pre-tax net operating income | $2,497,000 | 2,896 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $429,000 | 3,646 |
| Income before extraordinary items | $2,068,000 | 2,788 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,068,000 | 2,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,097 |
| Cash dividends | $1,000,000 | 2,290 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,068,000 | 2,658 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,332,000 | 3,324 |
| Total interest expense | $1,501,000 | 4,135 |
| Net interest income | $4,831,000 | 3,000 |
| Provision for loan and lease losses | $165,000 | 3,731 |
| Total noninterest income | $1,475,000 | 2,390 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $697,000 | 1,853 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $778,000 | 2,406 |
| Total noninterest expense | $4,340,000 | 2,683 |
| Salaries and employee benefits | $2,213,000 | 2,820 |
| Premises and equipment expense | $799,000 | 2,142 |
| Additional noninterest expense | $1,328,000 | 2,660 |
| Pre-tax net operating income | $1,801,000 | 3,076 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $299,000 | 3,911 |
| Income before extraordinary items | $1,502,000 | 2,960 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,502,000 | 2,960 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 4,350 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,502,000 | 2,812 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,301,000 | 3,294 |
| Total interest expense | $1,005,000 | 4,241 |
| Net interest income | $3,296,000 | 2,918 |
| Provision for loan and lease losses | $120,000 | 3,448 |
| Total noninterest income | $988,000 | 2,377 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $459,000 | 1,847 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $529,000 | 2,371 |
| Total noninterest expense | $2,975,000 | 2,621 |
| Salaries and employee benefits | $1,504,000 | 2,775 |
| Premises and equipment expense | $546,000 | 2,090 |
| Additional noninterest expense | $925,000 | 2,548 |
| Pre-tax net operating income | $1,189,000 | 3,103 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $198,000 | 3,988 |
| Income before extraordinary items | $991,000 | 2,998 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $991,000 | 2,997 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 3,326 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $991,000 | 2,848 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,159,000 | 3,306 |
| Total interest expense | $482,000 | 4,459 |
| Net interest income | $1,677,000 | 2,869 |
| Provision for loan and lease losses | $75,000 | 2,805 |
| Total noninterest income | $484,000 | 2,343 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $235,000 | 1,735 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $249,000 | 2,362 |
| Total noninterest expense | $1,527,000 | 2,537 |
| Salaries and employee benefits | $763,000 | 2,724 |
| Premises and equipment expense | $280,000 | 2,035 |
| Additional noninterest expense | $484,000 | 2,401 |
| Pre-tax net operating income | $559,000 | 3,251 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $88,000 | 4,188 |
| Income before extraordinary items | $471,000 | 3,079 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $471,000 | 3,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,051 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $471,000 | 2,921 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,930,000 | 3,327 |
| Total interest expense | $2,223,000 | 4,486 |
| Net interest income | $6,707,000 | 2,842 |
| Provision for loan and lease losses | $400,000 | 2,829 |
| Total noninterest income | $2,409,000 | 1,843 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $998,000 | 1,622 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,411,000 | 1,729 |
| Total noninterest expense | $6,182,000 | 2,400 |
| Salaries and employee benefits | $3,071,000 | 2,567 |
| Premises and equipment expense | $1,200,000 | 1,850 |
| Additional noninterest expense | $1,911,000 | 2,415 |
| Pre-tax net operating income | $2,534,000 | 2,854 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $51,000 | 6,516 |
| Income before extraordinary items | $2,483,000 | 2,370 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,483,000 | 2,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,179 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,483,000 | 2,289 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $10,982,000 | 3,058 |
| Total interest expense | $4,197,000 | 3,655 |
| Net interest income | $6,785,000 | 2,640 |
| Provision for loan and lease losses | $575,000 | 1,973 |
| Total noninterest income | $2,479,000 | 1,696 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $833,000 | 1,832 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,646,000 | 1,425 |
| Total noninterest expense | $6,040,000 | 2,364 |
| Salaries and employee benefits | $2,841,000 | 2,644 |
| Premises and equipment expense | $1,327,000 | 1,623 |
| Additional noninterest expense | $1,872,000 | 2,384 |
| Pre-tax net operating income | $2,649,000 | 2,549 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $846,000 | 2,332 |
| Income before extraordinary items | $1,803,000 | 2,780 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,803,000 | 2,782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 4,533 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,803,000 | 2,685 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,645,000 | 3,233 |
| Total interest expense | $4,009,000 | 3,974 |
| Net interest income | $6,636,000 | 2,682 |
| Provision for loan and lease losses | $300,000 | 2,819 |
| Total noninterest income | $1,951,000 | 1,910 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $693,000 | 1,996 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,258,000 | 1,601 |
| Total noninterest expense | $5,524,000 | 2,475 |
| Salaries and employee benefits | $2,471,000 | 2,858 |
| Premises and equipment expense | $1,279,000 | 1,621 |
| Additional noninterest expense | $1,774,000 | 2,417 |
| Pre-tax net operating income | $2,763,000 | 2,556 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $941,000 | 2,241 |
| Income before extraordinary items | $1,822,000 | 2,778 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,822,000 | 2,778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 4,965 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,822,000 | 2,774 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,027,000 | 4,937 |
| Total interest expense | $2,045,000 | 5,922 |
| Net interest income | $3,982,000 | 4,183 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $1,787,000 | 2,006 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $603,000 | 2,222 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,184,000 | 1,656 |
| Total noninterest expense | $4,359,000 | 3,063 |
| Salaries and employee benefits | $2,003,000 | 3,439 |
| Premises and equipment expense | $1,048,000 | 1,955 |
| Additional noninterest expense | $1,308,000 | 3,200 |
| Pre-tax net operating income | $1,410,000 | 4,275 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $459,000 | 3,807 |
| Income before extraordinary items | $951,000 | 4,580 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $951,000 | 4,581 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 9,464 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $3,000,000 | 356 |
| Net operating income | $951,000 | 4,538 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,565,000 | 6,002 |
| Total interest expense | $1,961,000 | 6,249 |
| Net interest income | $2,604,000 | 5,686 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $1,648,000 | 2,114 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $470,000 | 2,696 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,178,000 | 1,649 |
| Total noninterest expense | $3,618,000 | 3,511 |
| Salaries and employee benefits | $1,600,000 | 4,038 |
| Premises and equipment expense | $816,000 | 2,407 |
| Additional noninterest expense | $1,202,000 | 3,373 |
| Pre-tax net operating income | $634,000 | 6,747 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $17,000 | 8,941 |
| Income before extraordinary items | $617,000 | 5,977 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $617,000 | 5,976 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 9,689 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $617,000 | 5,874 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,818,000 | 6,822 |
| Total interest expense | $1,749,000 | 6,780 |
| Net interest income | $2,069,000 | 6,780 |
| Provision for loan and lease losses | $101,000 | 5,125 |
| Total noninterest income | $2,045,000 | 1,732 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $520,000 | 2,530 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,525,000 | 1,309 |
| Total noninterest expense | $4,670,000 | 2,733 |
| Salaries and employee benefits | $1,727,000 | 3,786 |
| Premises and equipment expense | $635,000 | 2,999 |
| Additional noninterest expense | $2,308,000 | 1,841 |
| Pre-tax net operating income | $-657,000 | 10,787 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-657,000 | 10,797 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-657,000 | 10,796 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $212,000 | 2,457 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $2,300,000 | 356 |
| Net operating income | $-657,000 | 10,782 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,786,000 | 6,128 |
| Total interest expense | $2,003,000 | 6,403 |
| Net interest income | $2,783,000 | 5,758 |
| Provision for loan and lease losses | $778,000 | 1,225 |
| Total noninterest income | $824,000 | 3,623 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $603,000 | 2,248 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $221,000 | 4,904 |
| Total noninterest expense | $3,770,000 | 3,523 |
| Salaries and employee benefits | $1,783,000 | 3,700 |
| Premises and equipment expense | $454,000 | 4,079 |
| Additional noninterest expense | $1,533,000 | 3,067 |
| Pre-tax net operating income | $-941,000 | 11,332 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-25,000 | 11,009 |
| Income before extraordinary items | $-916,000 | 11,355 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-916,000 | 11,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $546,000 | 1,341 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $200,000 | 575 |
| Net operating income | $-916,000 | 11,332 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,272,000 | 5,764 |
| Total interest expense | $2,072,000 | 6,318 |
| Net interest income | $3,200,000 | 5,220 |
| Provision for loan and lease losses | $225,000 | 2,789 |
| Total noninterest income | $270,000 | 7,436 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $227,000 | 5,229 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $43,000 | 9,575 |
| Total noninterest expense | $2,910,000 | 4,410 |
| Salaries and employee benefits | $1,365,000 | 4,664 |
| Premises and equipment expense | $238,000 | 6,542 |
| Additional noninterest expense | $1,307,000 | 3,473 |
| Pre-tax net operating income | $335,000 | 9,500 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $41,000 | 10,357 |
| Income before extraordinary items | $294,000 | 9,006 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $294,000 | 9,011 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,779 |
| Cash dividends | $34,000 | 8,122 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $294,000 | 8,968 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,073,000 | 6,603 |
| Total interest expense | $1,587,000 | 6,633 |
| Net interest income | $2,486,000 | 6,511 |
| Provision for loan and lease losses | $-18,000 | 11,827 |
| Total noninterest income | $185,000 | 9,009 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $160,000 | 6,663 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 11,111 |
| Total noninterest expense | $2,264,000 | 5,603 |
| Salaries and employee benefits | $1,026,000 | 5,963 |
| Premises and equipment expense | $199,000 | 7,444 |
| Additional noninterest expense | $1,039,000 | 4,574 |
| Pre-tax net operating income | $425,000 | 9,157 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $425,000 | 7,938 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $425,000 | 7,948 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $161,000 | 5,917 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $425,000 | 7,990 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,771,000 | 8,713 |
| Total interest expense | $1,178,000 | 8,357 |
| Net interest income | $1,593,000 | 8,819 |
| Provision for loan and lease losses | $-47,000 | 12,726 |
| Total noninterest income | $393,000 | 6,564 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $393,000 | 3,792 |
| Total noninterest expense | $1,531,000 | 7,731 |
| Salaries and employee benefits | $674,000 | 8,182 |
| Premises and equipment expense | $205,000 | 7,582 |
| Additional noninterest expense | $652,000 | 6,923 |
| Pre-tax net operating income | $502,000 | 8,647 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $502,000 | 7,534 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $502,000 | 7,722 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $144,000 | 6,205 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $502,000 | 7,283 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,730,000 | 9,479 |
| Total interest expense | $1,523,000 | 8,445 |
| Net interest income | $1,207,000 | 10,303 |
| Provision for loan and lease losses | $158,000 | 5,947 |
| Total noninterest income | $425,000 | 6,307 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $425,000 | 3,555 |
| Total noninterest expense | $1,179,000 | 9,142 |
| Salaries and employee benefits | $436,000 | 10,450 |
| Premises and equipment expense | $160,000 | 8,845 |
| Additional noninterest expense | $583,000 | 7,663 |
| Pre-tax net operating income | $295,000 | 10,184 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $295,000 | 9,397 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $295,000 | 9,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 9,616 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $300,000 | 655 |
| Net operating income | $295,000 | 8,997 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.