The competition for large commercial real estate loans is keeping pricing levels below our target yields. We elected not to meet that market in 2000, and focused instead on serving the needs of Vermont's small businesses. The yields in the small business loan category remain within acceptable ranges. We will continue to look to this sector for growth opportunities. Asset quality for the year 2000 surpassed the 1999 level despite minor deterioration mid-year.
Delinquency is at an all time low at one tenth of one percent.
We do not expect to be able to sustain this level as we head into the anticipated economic slowdown in the coming year. As we close 2000 we are in a strong position to capitalize on opportunities that present themselves as other financial institutions grapple with the challenges presented by the economic climate. We will remain focused on our strategic objectives and maintain the discipline we have instilled in our company. Thank you for your continued support.