$_{Management’s Discussion and Analysis }$4 

$_{Consolidated Statements of Income }$14 

$_{Consolidated Statements of Shareholders’ Equity }$16 

$_{Consolidated Statements of Cash Flows }$17 

$_{Notes to Consolidated Financial Statements }$18 

$_{Report of Independent Accountants }$26 

$_{Corporate Officers and Board of Directors }$28 

## TABLE OF CONTENTS 

$_{Chairman’s Letter }$1 

$_{Financial Summary }$3 

$_{Consolidated Balance Sheets }$15 

$_{Corporate Information }$27 

