17 FINANCIALS TABLE OF CONTENTS COMMON STOCK PRICES . . . . . . . . . . . . . . . . . . . . . . . .18 MANAGEMENT’S RESPONSIBILITY . . . . . . . . . . . . . . . . . .19 FOR FINANCIAL STATEMENTS MANAGEMENT’S DISCUSSION AND ANALYSIS OF . . . . .19 RESULTS OF OPERATIONS AND FINANCIAL POSITION CONSOLIDATED BALANCE SHEETS . . . . . . . . . . . . . . . . .30 CONSOLIDATED STATEMENTS OF INCOME . . . . . . . . . . . .32 CONSOLIDATED STATEMENTS OF CASH FLOWS . . . . . . . .33 CONSOLIDATED STATEMENTS OF . . . . . . . . . . . . . . . . . .34 CHANGES IN SHAREHOLDERS’ EQUITY NOTES TO CONSOLIDATED FINANCIAL STATEMENTS . . . .35 REPORT OF INDEPENDENT ACCOUNTANTS . . . . . . . . . . .47 11-YEAR SUMMARY . . . . . . . . . . . . . . . . . . . . . . . . . . . .48 NOTES TO 11-YEAR SUMMARY . . . . . . . . . . . . . . . . . . . .50 FORM 10-K INFORMATION . . . . . . . . . . . . . . . . . . . . . . .51 QUARTERLY STATEMENTS OF INCOME . . . . . . . . . . . . . . .62 SCHEDULES TO FORM 10-K INFORMATION . . . . . . . . . . .64 GLOSSARY OF FINANCIAL TERMS . . . . . . . . . . . . . . . . . .72