Home > The Bank of Santa Barbara > Maturity & Repricing for Loans and Leases

The Bank of Santa Barbara, Maturity & Repricing for Loans and Leases

2015-12-31Rank
Loans and leases, gross$141,322,0002,785
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$1,986,0002,249
Over three months through twelve months$05,846
Over one year through three years$1,303,0004,538
Over three years through five years$05,933
Over five years through fifteen years$1,484,0004,219
Over fifteen years$04,651
All other loans:
Three months or less$27,586,0002,156
Over three months through twelve months$8,975,0003,337
Over one year through three years$5,939,0004,559
Over three years through five years$25,281,0002,344
Over five years through fifteen years$65,487,000941
Over fifteen years$2,561,0002,644
2015-09-30Rank
Loans and leases, gross$134,389,0002,890
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$05,722
Over three months through twelve months$1,286,0003,850
Over one year through three years$1,315,0004,587
Over three years through five years$06,019
Over five years through fifteen years$05,847
Over fifteen years$04,741
All other loans:
Three months or less$19,009,0002,486
Over three months through twelve months$9,963,0003,364
Over one year through three years$10,064,0003,864
Over three years through five years$22,118,0002,586
Over five years through fifteen years$67,567,000923
Over fifteen years$2,916,0002,533
2015-06-30Rank
Loans and leases, gross$130,643,0002,935
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$05,799
Over three months through twelve months$1,133,0004,006
Over one year through three years$1,326,0004,610
Over three years through five years$06,103
Over five years through fifteen years$05,922
Over fifteen years$04,791
All other loans:
Three months or less$18,017,0002,547
Over three months through twelve months$12,225,0003,015
Over one year through three years$11,265,0003,687
Over three years through five years$23,064,0002,531
Over five years through fifteen years$60,532,000979
Over fifteen years$2,925,0002,547
2015-03-31Rank
Loans and leases, gross$127,148,0002,971
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$1,763,0002,543
Over three months through twelve months$1,100,0004,084
Over one year through three years$06,172
Over three years through five years$06,182
Over five years through fifteen years$490,0005,198
Over fifteen years$04,801
All other loans:
Three months or less$18,585,0002,547
Over three months through twelve months$6,463,0004,087
Over one year through three years$16,665,0003,000
Over three years through five years$19,999,0002,750
Over five years through fifteen years$59,077,000998
Over fifteen years$2,847,0002,568
2014-12-31Rank
Loans and leases, gross$131,307,0002,928
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$1,325,0002,830
Over three months through twelve months$3,027,0002,720
Over one year through three years$2,226,0004,003
Over three years through five years$06,255
Over five years through fifteen years$06,070
Over fifteen years$04,870
All other loans:
Three months or less$89,0006,382
Over three months through twelve months$20,032,0002,071
Over one year through three years$19,611,0002,732
Over three years through five years$11,737,0003,659
Over five years through fifteen years$70,193,000854
Over fifteen years$2,966,0002,503
2014-09-30Rank
Loans and leases, gross$119,784,0003,118
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$2,642,0001,961
Over three months through twelve months$500,0005,023
Over one year through three years$1,133,0004,810
Over three years through five years$06,333
Over five years through fifteen years$06,140
Over fifteen years$04,923
All other loans:
Three months or less$18,815,0002,533
Over three months through twelve months$5,913,0004,409
Over one year through three years$19,400,0002,730
Over three years through five years$11,481,0003,748
Over five years through fifteen years$55,617,0001,022
Over fifteen years$2,919,0002,483
2014-06-30Rank
Loans and leases, gross$120,441,0003,087
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$4,513,0001,393
Over three months through twelve months$06,291
Over one year through three years$1,141,0004,860
Over three years through five years$06,378
Over five years through fifteen years$06,194
Over fifteen years$04,948
All other loans:
Three months or less$21,291,0002,297
Over three months through twelve months$5,625,0004,554
Over one year through three years$17,970,0002,822
Over three years through five years$16,046,0003,153
Over five years through fifteen years$49,642,0001,109
Over fifteen years$2,850,0002,520
2014-03-31Rank
Loans and leases, gross$119,588,0003,081
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$1,577,0002,826
Over three months through twelve months$3,998,0002,311
Over one year through three years$1,149,0004,905
Over three years through five years$06,435
Over five years through fifteen years$534,0005,268
Over fifteen years$04,969
All other loans:
Three months or less$20,025,0002,438
Over three months through twelve months$6,985,0004,077
Over one year through three years$18,170,0002,791
Over three years through five years$15,119,0003,282
Over five years through fifteen years$47,303,0001,105
Over fifteen years$2,846,0002,512
2013-12-31Rank
Loans and leases, gross$111,116,0003,274
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$1,335,0002,998
Over three months through twelve months$744,0004,936
Over one year through three years$06,556
Over three years through five years$1,159,0004,847
Over five years through fifteen years$536,0005,221
Over fifteen years$05,031
All other loans:
Three months or less$17,894,0002,704
Over three months through twelve months$10,720,0003,334
Over one year through three years$17,242,0002,908
Over three years through five years$16,127,0003,146
Over five years through fifteen years$40,719,0001,237
Over fifteen years$2,735,0002,560
2013-09-30Rank
Loans and leases, gross$104,627,0003,408
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$06,329
Over three months through twelve months$3,817,0002,558
Over one year through three years$1,162,0004,983
Over three years through five years$1,168,0004,807
Over five years through fifteen years$539,0005,228
Over fifteen years$05,064
All other loans:
Three months or less$18,174,0002,606
Over three months through twelve months$8,196,0004,007
Over one year through three years$16,347,0003,007
Over three years through five years$12,763,0003,520
Over five years through fifteen years$37,564,0001,283
Over fifteen years$2,953,0002,470
2013-06-30Rank
Loans and leases, gross$99,560,0003,511
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$06,392
Over three months through twelve months$2,464,0003,311
Over one year through three years$2,485,0004,097
Over three years through five years$1,176,0004,715
Over five years through fifteen years$542,0005,215
Over fifteen years$05,121
All other loans:
Three months or less$17,337,0002,690
Over three months through twelve months$8,711,0003,923
Over one year through three years$13,010,0003,499
Over three years through five years$15,217,0003,142
Over five years through fifteen years$32,115,0001,401
Over fifteen years$2,452,0002,667
2013-03-31Rank
Loans and leases, gross$102,617,0003,436
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$305,0005,224
Over three months through twelve months$1,340,0004,323
Over one year through three years$3,889,0003,398
Over three years through five years$1,185,0004,648
Over five years through fifteen years$544,0005,199
Over fifteen years$05,147
All other loans:
Three months or less$18,602,0002,629
Over three months through twelve months$10,897,0003,400
Over one year through three years$9,296,0004,225
Over three years through five years$17,526,0002,804
Over five years through fifteen years$33,102,0001,331
Over fifteen years$2,379,0002,693
2012-12-31Rank
Loans and leases, gross$104,750,0003,435
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$306,0005,138
Over three months through twelve months$06,701
Over one year through three years$5,009,0003,010
Over three years through five years$1,197,0004,610
Over five years through fifteen years$547,0005,185
Over fifteen years$05,173
All other loans:
Three months or less$14,575,0003,175
Over three months through twelve months$17,672,0002,501
Over one year through three years$7,452,0004,753
Over three years through five years$21,293,0002,454
Over five years through fifteen years$32,772,0001,313
Over fifteen years$2,339,0002,716
2012-09-30Rank
Loans and leases, gross$96,601,0003,651
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$06,594
Over three months through twelve months$306,0005,965
Over one year through three years$1,594,0005,022
Over three years through five years$3,647,0002,872
Over five years through fifteen years$550,0005,205
Over fifteen years$05,227
All other loans:
Three months or less$20,431,0002,541
Over three months through twelve months$10,808,0003,632
Over one year through three years$8,813,0004,507
Over three years through five years$21,146,0002,416
Over five years through fifteen years$25,167,0001,536
Over fifteen years$2,289,0002,693
2012-06-30Rank
Loans and leases, gross$91,749,0003,778
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$550,0004,690
Over three months through twelve months$306,0005,983
Over one year through three years$1,596,0005,125
Over three years through five years$2,831,0003,184
Over five years through fifteen years$06,522
Over fifteen years$05,263
All other loans:
Three months or less$17,004,0002,880
Over three months through twelve months$15,286,0002,955
Over one year through three years$7,736,0004,839
Over three years through five years$19,406,0002,488
Over five years through fifteen years$23,640,0001,574
Over fifteen years$2,266,0002,675
2012-03-31Rank
Loans and leases, gross$76,569,0004,217
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$1,400,0003,364
Over three months through twelve months$806,0005,136
Over one year through three years$248,0006,593
Over three years through five years$1,219,0004,444
Over five years through fifteen years$06,535
Over fifteen years$05,279
All other loans:
Three months or less$12,154,0003,613
Over three months through twelve months$12,763,0003,195
Over one year through three years$9,866,0004,516
Over three years through five years$19,157,0002,470
Over five years through fifteen years$16,455,0002,031
Over fifteen years$1,366,0003,288
2011-12-31Rank
Loans and leases, gross$73,717,0004,354
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$2,629,0002,046
Over three months through twelve months$550,0005,119
Over one year through three years$248,0006,082
Over three years through five years$06,351
Over five years through fifteen years$05,959
Over fifteen years$04,707
All other loans:
Three months or less$11,937,0003,539
Over three months through twelve months$12,390,0003,147
Over one year through three years$10,342,0004,215
Over three years through five years$18,853,0002,281
Over five years through fifteen years$14,496,0001,994
Over fifteen years$1,384,0002,945
2011-09-30Rank
Loans and leases, gross$75,259,0004,340
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$06,170
Over three months through twelve months$3,378,0002,623
Over one year through three years$249,0006,115
Over three years through five years$102,0006,001
Over five years through fifteen years$05,952
Over fifteen years$04,706
All other loans:
Three months or less$15,199,0003,042
Over three months through twelve months$11,413,0003,402
Over one year through three years$12,069,0003,964
Over three years through five years$14,965,0002,649
Over five years through fifteen years$14,729,0001,900
Over fifteen years$1,384,0002,908
2011-06-30Rank
Loans and leases, gross$68,815,0004,610
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$06,248
Over three months through twelve months$2,839,0002,917
Over one year through three years$800,0005,574
Over three years through five years$2,029,0003,278
Over five years through fifteen years$05,955
Over fifteen years$04,692
All other loans:
Three months or less$14,947,0003,107
Over three months through twelve months$6,150,0004,690
Over one year through three years$14,443,0003,660
Over three years through five years$12,905,0002,938
Over five years through fifteen years$13,193,0002,049
Over fifteen years$05,052
2011-03-31Rank
Loans and leases, gross$66,685,0004,720
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$1,401,0003,221
Over three months through twelve months$2,849,0002,940
Over one year through three years$550,0005,825
Over three years through five years$06,437
Over five years through fifteen years$05,971
Over fifteen years$04,673
All other loans:
Three months or less$18,388,0002,851
Over three months through twelve months$8,928,0003,841
Over one year through three years$12,704,0003,914
Over three years through five years$10,102,0003,427
Over five years through fifteen years$9,417,0002,534
Over fifteen years$05,081
2010-12-31Rank
Loans and leases, gross$65,126,0004,871
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$06,335
Over three months through twelve months$06,505
Over one year through three years$3,410,0003,883
Over three years through five years$486,0005,286
Over five years through fifteen years$06,027
Over fifteen years$04,761
All other loans:
Three months or less$13,539,0003,554
Over three months through twelve months$16,717,0002,649
Over one year through three years$11,695,0004,140
Over three years through five years$8,162,0003,940
Over five years through fifteen years$7,865,0002,844
Over fifteen years$05,115
2010-09-30Rank
Loans and leases, gross$59,105,0005,212
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$06,434
Over three months through twelve months$1,000,0004,686
Over one year through three years$3,420,0003,940
Over three years through five years$06,597
Over five years through fifteen years$06,105
Over fifteen years$04,811
All other loans:
Three months or less$10,992,0004,010
Over three months through twelve months$15,190,0002,935
Over one year through three years$12,668,0003,994
Over three years through five years$7,975,0004,069
Over five years through fifteen years$5,835,0003,332
Over fifteen years$05,148
2010-06-30Rank
Loans and leases, gross$56,824,0005,346
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$792,0004,195
Over three months through twelve months$06,606
Over one year through three years$3,965,0003,618
Over three years through five years$06,673
Over five years through fifteen years$06,130
Over fifteen years$04,815
All other loans:
Three months or less$8,775,0004,467
Over three months through twelve months$12,684,0003,380
Over one year through three years$14,664,0003,671
Over three years through five years$6,890,0004,469
Over five years through fifteen years$6,600,0003,116
Over fifteen years$05,161
2010-03-31Rank
Loans and leases, gross$49,971,0005,669
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$934,0004,000
Over three months through twelve months$06,703
Over one year through three years$3,822,0003,669
Over three years through five years$06,770
Over five years through fifteen years$06,211
Over fifteen years$04,877
All other loans:
Three months or less$9,143,0004,596
Over three months through twelve months$8,575,0004,128
Over one year through three years$14,461,0003,656
Over three years through five years$5,987,0004,872
Over five years through fifteen years$5,239,0003,553
Over fifteen years$05,183
2009-12-31Rank
Loans and leases, gross$49,193,0005,755
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$415,0005,015
Over three months through twelve months$558,0005,437
Over one year through three years$3,449,0003,876
Over three years through five years$383,0005,909
Over five years through fifteen years$06,253
Over fifteen years$04,875
All other loans:
Three months or less$11,881,0004,232
Over three months through twelve months$3,274,0005,823
Over one year through three years$16,425,0003,378
Over three years through five years$6,798,0004,714
Over five years through fifteen years$4,244,0003,920
Over fifteen years$05,228
2009-09-30Rank
Loans and leases, gross$47,277,0005,880
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$453,0005,110
Over three months through twelve months$558,0005,431
Over one year through three years$2,460,0004,419
Over three years through five years$383,0005,978
Over five years through fifteen years$06,267
Over fifteen years$04,875
All other loans:
Three months or less$10,496,0004,497
Over three months through twelve months$3,610,0005,809
Over one year through three years$15,202,0003,526
Over three years through five years$8,885,0004,281
Over five years through fifteen years$2,974,0004,544
Over fifteen years$05,214
2009-06-30Rank
Loans and leases, gross$50,863,0005,756
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$378,0005,430
Over three months through twelve months$637,0005,339
Over one year through three years$620,0005,975
Over three years through five years$383,0005,979
Over five years through fifteen years$232,0005,210
Over fifteen years$04,881
All other loans:
Three months or less$12,806,0004,165
Over three months through twelve months$4,394,0005,608
Over one year through three years$14,620,0003,577
Over three years through five years$11,459,0003,779
Over five years through fifteen years$3,280,0004,364
Over fifteen years$05,237
2009-03-31Rank
Loans and leases, gross$54,388,0005,617
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$370,0005,453
Over three months through twelve months$79,0006,567
Over one year through three years$1,179,0005,411
Over three years through five years$383,0005,964
Over five years through fifteen years$212,0005,303
Over fifteen years$04,863
All other loans:
Three months or less$13,284,0004,281
Over three months through twelve months$6,292,0004,822
Over one year through three years$15,312,0003,451
Over three years through five years$11,951,0003,692
Over five years through fifteen years$3,282,0004,314
Over fifteen years$05,192
2008-12-31Rank
Loans and leases, gross$60,535,0005,386
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$466,0005,166
Over three months through twelve months$06,916
Over one year through three years$558,0006,112
Over three years through five years$580,0005,612
Over five years through fifteen years$184,0005,357
Over fifteen years$04,836
All other loans:
Three months or less$14,513,0004,273
Over three months through twelve months$8,558,0004,106
Over one year through three years$15,335,0003,459
Over three years through five years$12,649,0003,558
Over five years through fifteen years$5,852,0003,296
Over fifteen years$05,171
2008-09-30Rank
Loans and leases, gross$59,812,0005,416
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$486,0005,311
Over three months through twelve months$06,939
Over one year through three years$558,0006,091
Over three years through five years$581,0005,566
Over five years through fifteen years$81,0005,826
Over fifteen years$04,817
All other loans:
Three months or less$18,305,0003,976
Over three months through twelve months$6,113,0004,840
Over one year through three years$12,997,0003,752
Over three years through five years$12,945,0003,434
Over five years through fifteen years$6,440,0002,995
Over fifteen years$05,120
2008-06-30Rank
Loans and leases, gross$59,106,0005,428
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$1,757,0003,498
Over three months through twelve months$79,0006,700
Over one year through three years$558,0006,093
Over three years through five years$582,0005,486
Over five years through fifteen years$2,0006,390
Over fifteen years$04,821
All other loans:
Three months or less$20,468,0003,774
Over three months through twelve months$4,076,0005,738
Over one year through three years$11,718,0003,968
Over three years through five years$13,585,0003,235
Over five years through fifteen years$5,666,0003,153
Over fifteen years$05,097
2008-03-31Rank
Loans and leases, gross$54,851,0005,557
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$2,025,0003,227
Over three months through twelve months$679,0005,447
Over one year through three years$07,110
Over three years through five years$198,0006,292
Over five years through fifteen years$06,399
Over fifteen years$04,795
All other loans:
Three months or less$21,823,0003,719
Over three months through twelve months$1,798,0006,667
Over one year through three years$6,663,0005,046
Over three years through five years$16,615,0002,730
Over five years through fifteen years$4,400,0003,464
Over fifteen years$05,079
2007-12-31Rank
Loans and leases, gross$52,340,0005,664
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$1,953,0003,199
Over three months through twelve months$750,0005,335
Over one year through three years$07,145
Over three years through five years$199,0006,269
Over five years through fifteen years$06,389
Over fifteen years$04,787
All other loans:
Three months or less$20,532,0003,971
Over three months through twelve months$2,263,0006,377
Over one year through three years$2,000,0006,750
Over three years through five years$21,344,0002,212
Over five years through fifteen years$3,300,0003,861
Over fifteen years$05,021
2007-09-30Rank
Loans and leases, gross$52,280,0005,646
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$755,0004,774
Over three months through twelve months$750,0005,352
Over one year through three years$07,193
Over three years through five years$199,0006,274
Over five years through fifteen years$06,413
Over fifteen years$04,794
All other loans:
Three months or less$21,926,0003,781
Over three months through twelve months$1,008,0007,091
Over one year through three years$3,079,0006,300
Over three years through five years$20,686,0002,219
Over five years through fifteen years$3,876,0003,527
Over fifteen years$05,027
2007-06-30Rank
Loans and leases, gross$46,441,0005,919
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$676,0004,947
Over three months through twelve months$833,0005,195
Over one year through three years$07,240
Over three years through five years$199,0006,263
Over five years through fifteen years$06,468
Over fifteen years$04,826
All other loans:
Three months or less$18,319,0004,084
Over three months through twelve months$2,103,0006,570
Over one year through three years$2,875,0006,393
Over three years through five years$18,676,0002,361
Over five years through fifteen years$2,760,0004,115
Over fifteen years$05,069
2007-03-31Rank
Loans and leases, gross$42,877,0006,073
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$676,0004,955
Over three months through twelve months$542,0005,614
Over one year through three years$750,0005,898
Over three years through five years$200,0006,282
Over five years through fifteen years$06,514
Over fifteen years$04,838
All other loans:
Three months or less$15,572,0004,436
Over three months through twelve months$1,340,0006,953
Over one year through three years$2,892,0006,378
Over three years through five years$18,058,0002,380
Over five years through fifteen years$2,847,0004,034
Over fifteen years$05,066
2006-12-31Rank
Loans and leases, gross$40,198,0006,218
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$07,174
Over three months through twelve months$80,0006,838
Over one year through three years$750,0005,899
Over three years through five years$07,141
Over five years through fifteen years$185,0005,330
Over fifteen years$04,824
All other loans:
Three months or less$14,761,0004,593
Over three months through twelve months$1,723,0006,648
Over one year through three years$3,218,0006,238
Over three years through five years$16,613,0002,468
Over five years through fifteen years$2,867,0003,964
Over fifteen years$05,076
2006-09-30Rank
Loans and leases, gross$26,227,0007,154
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$07,259
Over three months through twelve months$80,0006,879
Over one year through three years$750,0005,931
Over three years through five years$07,214
Over five years through fifteen years$185,0005,442
Over fifteen years$04,893
All other loans:
Three months or less$8,977,0005,441
Over three months through twelve months$997,0007,190
Over one year through three years$1,719,0006,981
Over three years through five years$12,875,0002,924
Over five years through fifteen years$645,0006,138
Over fifteen years$05,095
2006-06-30Rank
Loans and leases, gross$20,668,0007,522
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$07,287
Over three months through twelve months$07,293
Over one year through three years$750,0005,962
Over three years through five years$07,278
Over five years through fifteen years$150,0005,618
Over fifteen years$04,912
All other loans:
Three months or less$7,683,0005,642
Over three months through twelve months$1,653,0006,803
Over one year through three years$728,0007,494
Over three years through five years$9,028,0003,612
Over five years through fifteen years$676,0006,084
Over fifteen years$05,081
2006-03-31Rank
Loans and leases, gross$10,677,0008,245
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$07,281
Over three months through twelve months$07,292
Over one year through three years$07,423
Over three years through five years$07,292
Over five years through fifteen years$70,0006,117
Over fifteen years$04,888
All other loans:
Three months or less$2,895,0006,846
Over three months through twelve months$1,955,0006,480
Over one year through three years$07,818
Over three years through five years$3,489,0005,488
Over five years through fifteen years$2,269,0004,305
Over fifteen years$05,077
2005-12-31Rank
Loans and leases, gross$3,546,0008,684
Closed-end loans secured by first liens on 1-4 residential loans:
Three months or less$07,297
Over three months through twelve months$07,322
Over one year through three years$07,448
Over three years through five years$07,338
Over five years through fifteen years$06,780
Over fifteen years$04,945
All other loans:
Three months or less$3,498,0006,773
Over three months through twelve months$07,821
Over one year through three years$07,857
Over three years through five years$48,0007,785
Over five years through fifteen years$07,596
Over fifteen years$05,098