Gouverneur Bancorp, Inc. (GOVB)

USD 12.1

(0.83%)

Operating Expenses Summary of Gouverneur Bancorp, Inc.

  • Gouverneur Bancorp, Inc.'s latest annual operating expenses in 2023 was 7.58 Million USD , down -41.82% from previous year.
  • Gouverneur Bancorp, Inc.'s latest quarterly operating expenses in 2024 Q3 was 687 Thousand USD , up 148.71% from previous quarter.
  • Gouverneur Bancorp, Inc. reported a annual operating expenses of -5.21 Million USD in annual operating expenses 2022, down -400.98% from previous year.
  • Gouverneur Bancorp, Inc. reported a annual operating expenses of 1.73 Million USD in annual operating expenses 2021, up 13.96% from previous year.
  • Gouverneur Bancorp, Inc. reported a quarterly operating expenses of 776 Thousand USD for 2024 Q2, up 14.96% from previous quarter.
  • Gouverneur Bancorp, Inc. reported a quarterly operating expenses of 687 Thousand USD for 2024 Q3, up 148.71% from previous quarter.

Annual Operating Expenses Chart of Gouverneur Bancorp, Inc. (2023 - 1998)

Historical Annual Operating Expenses of Gouverneur Bancorp, Inc. (2023 - 1998)

Year Operating Expenses Operating Expenses Growth
2023 7.58 Million USD -41.82%
2022 -5.21 Million USD -400.98%
2021 1.73 Million USD 13.96%
2020 1.51 Million USD 13.27%
2019 1.34 Million USD -8.53%
2018 1.46 Million USD -2.66%
2017 1.5 Million USD -3.4%
2016 1.55 Million USD 0.0%
2007 -3.49 Million USD -4.55%
2006 -3.34 Million USD -2.33%
2005 -3.26 Million USD -16.52%
2004 -2.8 Million USD -3.24%
2003 -2.71 Million USD -16.73%
2002 -2.32 Million USD -10.71%
2001 -2.1 Million USD 2.42%
2000 -2.15 Million USD -7.6%
1999 -2 Million USD -375.48%
1998 726 Thousand USD 0.0%

Peer Operating Expenses Comparison of Gouverneur Bancorp, Inc.

Name Operating Expenses Operating Expenses Difference
ENB Financial Corp 46.2 Million USD 83.595%
First Northern Community Bancorp 35.43 Million USD 78.609%
Bank of Labor Bancshares, Inc. 26.55 Million USD 71.455%
River City Bank 28.24 Million USD 73.167%
Exchange Bank (Santa Rosa, CA) 86.43 Million USD 91.231%
Plains Acquisition Corporation 19.36 Million USD 60.853%
ES Bancshares, Inc. 16.96 Million USD 55.328%
BV Financial, Inc. 37.79 Million USD 79.946%
CSB Bancorp, Inc. 42.2 Million USD 82.039%
Great American Bancorp, Inc. 6.95 Million USD -8.971%
PSB Holdings, Inc. 26.61 Million USD 71.519%
Denali Bancorporation, Inc. 16.01 Million USD 52.666%
First Community Corporation 9.08 Million USD 16.543%
Woodlands Financial Services Company 20.45 Million USD 62.939%
First Farmers and Merchants Corporation 34.34 Million USD 77.929%
1st Colonial Bancorp, Inc. 15.96 Million USD 52.512%
CNB Financial Services, Inc. 17.04 Million USD 55.537%
Peoples Ltd. 8.8 Million USD 13.883%
KS Bancorp, Inc. 23.47 Million USD 67.709%
CCSB Financial Corp. 4.37 Million USD -73.115%
Touchstone Bankshares, Inc. 21.53 Million USD 64.797%
Oregon Bancorp, Inc. 27.15 Million USD 72.084%
Crazy Woman Creek Bancorp Incorporated 4.7 Million USD -61.242%
Oconee Financial Corporation 24.84 Million USD 69.491%
InBankshares, Corp 29.61 Million USD 74.402%
Mission Bancorp 31.62 Million USD 76.033%
American Riviera Bancorp 23.47 Million USD 67.703%
Farmers and Merchants Bancshares, Inc. 22.73 Million USD 66.658%
M&F Bancorp, Inc. 13.84 Million USD 45.235%
TISCO Financial Group Public Company Limited 19.96 Billion USD 99.962%
Pacific Alliance Bank 12.2 Million USD 37.906%
First Republic Bank 5.77 Billion USD 99.869%
Eureka Homestead Bancorp, Inc. 2.83 Million USD -167.278%
Community Bancorp 15.51 Million USD 51.136%
CoBank, ACB 595 Million USD 98.726%
McHenry Bancorp, Inc. 9.93 Million USD 23.703%
Suruga Bank Ltd. 61.74 Billion USD 99.988%
Huron Valley Bancorp, Inc. 5.2 Million USD -45.629%
Northway Financial, Inc. 22.75 Million USD 66.693%
Boyle Bancorp, Inc. 7.57 Million USD -0.106%
Southern Michigan Bancorp, Inc. 29.82 Million USD 74.582%
New Peoples Bankshares, Inc. 20.88 Million USD 63.708%
CMUV Bancorp 12.34 Million USD 38.616%
Citizens Bancshares Corporation 23.52 Million USD 67.779%
Avidbank Holdings, Inc. 34.87 Million USD 78.265%
FCN Banc Corp. 13.29 Million USD 42.973%
Elmer Bancorp, Inc. 9.89 Million USD 23.387%
Popular, Inc. 2.64 Billion USD 99.713%
Bancorp 34, Inc. 15.83 Million USD 52.119%
AMB Financial Corp. 7.66 Million USD 1.089%
Juniata Valley Financial Corp. 28.02 Million USD 72.957%
United Bancorporation of Alabama, Inc. 37.72 Million USD 79.905%
Consumers Bancorp, Inc. 35.44 Million USD 78.613%
Fleetwood Bank Corporation 8.09 Million USD 6.385%
Greenville Federal Financial Corporation 6.08 Million USD -24.61%
CNB Corporation 7.95 Million USD 4.69%
BNCCORP, Inc. 31.07 Million USD 75.611%
Redwood Capital Bancorp 10.26 Million USD 26.173%
Honat Bancorp, Inc. 18.49 Million USD 59.005%
Merchants & Marine Bancorp, Inc. 28.33 Million USD 73.253%
Town Center Bank 6.02 Million USD -25.726%
Summit Bank Group, Inc. 21.12 Million USD 64.119%
Chino Commercial Bancorp 2.7 Million USD -179.715%
doValue S.p.A. 405.23 Million USD 98.129%
First Citizens BancShares, Inc. 4.27 Billion USD 99.823%
Century Financial Corporation 23.4 Million USD 67.608%
TEB Bancorp, Inc 2.52 Million USD -199.766%
Farmers & Merchants Bancshares, Inc. (Burlington, IA) 5.34 Million USD -41.921%
Truxton Corporation 18.96 Million USD 60.027%
Standard Bank Group Limited 189.56 Billion USD 99.996%
US Metro Bancorp, Inc. 25.21 Million USD 69.941%
Canandaigua National Corporation 44.65 Million USD 83.024%
Bay Community Bancorp 7.58 Million USD 0.086%
First Capital Bancshares, Inc. 10.22 Million USD 25.898%
South Atlantic Bancshares, Inc. 24.35 Million USD 68.881%
Enterprise Financial Services Group, Inc. 15.22 Million USD 50.223%
Silvergate Capital Corporation 52.43 Million USD 85.543%
Peoples Bancorp, Inc. 10.67 Million USD 29.021%
STAR Financial Group, Inc. 65.94 Million USD 88.505%
Tri-County Financial Group, Inc. 58.27 Million USD 86.992%
Central Bancompany, Inc. 469.07 Million USD 98.384%
Mifflinburg Bancorp, Inc. 9.32 Million USD 18.722%
United Tennessee Bankshares, Inc. 1.48 Million USD -409.614%
FFB Bancorp 80.58 Million USD 90.593%
First Resource Bancorp Inc. 10.24 Million USD 26.041%
Marquette National Corporation 79.06 Million USD 90.413%
Pioneer Bankshares, Inc. 9.36 Million USD 19.06%
SSB Bancorp, Inc. 10.08 Million USD 24.843%
Community Heritage Financial, Inc. 24.44 Million USD 68.995%
Postal Savings Bank of China Co., Ltd. 10.73 Billion USD 99.929%
Alpine Banks of Colorado 108.56 Million USD 93.018%
QC Holdings, Inc. 84.8 Million USD 91.062%
First Niles Financial, Inc. 4.38 Million USD -72.98%
Mission Valley Bancorp 22 Million USD 65.55%
Savi Financial Corporation, Inc. -32.2 Million USD 123.54%
CNB Bank Shares, Inc. 33.5 Million USD 77.377%
CCFNB Bancorp, Inc. 30.38 Million USD 75.052%
HCB Financial Corp. 12.45 Million USD 39.133%
FirstSun Capital Bancorp 222.79 Million USD 96.598%
FFW Corporation 14.22 Million USD 46.713%
National Capital Bancorp, Inc. 17.47 Million USD 56.619%
CBB Bancorp, Inc. 30.26 Million USD 74.953%
Potomac Bancshares, Inc. 22.39 Million USD 66.147%
Farmers & Merchants Bancorp 227.32 Million USD 96.666%
Apollo Bancorp, Inc. 6.41 Million USD -18.242%
Coeur d'Alene Bancorp, Inc. 3.7 Million USD -104.806%
Malaga Financial Corporation 13.54 Million USD 44.043%
Pacific Valley Bancorp 8.84 Million USD 14.292%
SVB & T Corporation 26.02 Million USD 70.876%
Pacific Financial Corporation 31.31 Million USD 75.791%
Partners Bank of California 10.82 Million USD 29.951%
Citizens Bancorp 22.11 Million USD 65.722%
FS Bancorp 8.05 Million USD 5.839%
Bank of Utica 32.58 Million USD 76.741%
Skyline Bankshares, Inc. 42.56 Million USD 82.193%
Mountain Pacific Bancorp, Inc. 13.97 Million USD 45.741%
Gateway Bank, F.S.B. 5.81 Million USD -30.458%
Piedmont Community Bank Group, Inc. -7.34 Million USD 203.143%
Citizens Bancorp Investment, Inc. 52.15 Million USD 85.465%
W.T.B. Financial Corporation 342.33 Million USD 97.786%
Bank of the Philippine Islands 138.3 Billion USD 99.995%
Eastern Michigan Financial Corporation 4.34 Million USD -74.293%
Studio Bank 5.2 Million USD -45.545%
FSBH Corp. 9.14 Million USD 17.072%
W.T.B. Financial Corporation 342.33 Million USD 97.786%
Southeastern Banking Corporation 13.15 Million USD 42.366%
Sturgis Bancorp, Inc. 23.43 Million USD 67.654%
Mountain Commerce Bancorp, Inc. 21.72 Million USD 65.114%
Citizens Holding Company 37.66 Million USD 79.874%
First Citizens Bancshares, Inc. 43.61 Million USD 82.62%
Heartland BancCorp 40.82 Million USD 81.432%
Midland Capital Holdings Corp. -2.7 Million USD 380.485%
First Community Financial Corporation 15.29 Million USD 50.441%
American Bank Incorporated 4.34 Million USD -74.574%
First Robinson Financial Corporation 9.42 Million USD 19.559%
SouthPoint Bancshares, Inc. 59.13 Million USD 87.181%
Croghan Bancshares, Inc. 19.6 Million USD 61.327%
Katahdin Bankshares Corp. 26.23 Million USD 71.112%
Neffs Bancorp, Inc. PFD SER A 7.63 Million USD 0.707%
Equitable Financial Corp. 5.36 Million USD -41.221%
JBT Bancorp Inc. 35.51 Million USD 78.656%
Foresight Financial Group, Inc. 29.26 Million USD 74.095%
CBC Holding Company - USD -Infinity%
Cornerstone Community Bancorp 12.44 Million USD 39.112%
White River Bancshares Co 36.03 Million USD 78.965%
Dogwood State Bank 54.91 Million USD 86.196%
WCF Bancorp, Inc. 5.01 Million USD -51.13%
Integrated Financial Holdings, Inc. 9.8 Million USD 22.724%
First Keystone Corporation 34.12 Million USD 77.788%
Bank of Botetourt 14.06 Million USD 46.1%
First National of Nebraska, Inc. 1.33 Billion USD 99.431%
Middlebury National Corporation 5.11 Million USD -48.272%
1st Federal Savings Bank of SC, Inc. 4.4 Million USD -72.226%
VWF Bancorp, Inc. 455.11 Million USD 98.334%
Chesapeake Financial Shares, Inc. 42.47 Million USD 82.156%
Northeast Indiana Bancorp, Inc. 10.31 Million USD 26.533%
Mutual Federal Bancorp, Inc. 6.86 Million USD -10.496%
Santa Cruz County Bank 28.24 Million USD 73.167%
Commercial National Financial Corporation 11.14 Million USD 31.958%
Nexity Financial Corporation -20.78 Million USD 136.476%
Merchants Financial Group, Inc. 77.01 Million USD 90.157%
First National Bank Alaska 73.88 Million USD 89.741%
MBT Bancshares, Inc. 12.26 Million USD 38.173%
Jeffersonville Bancorp 13.2 Million USD 42.58%
BankFirst Capital Corporation 79.01 Million USD 90.407%
Coastal Carolina Bancshares, Inc. 65.00 USD -11661438.462%
The Baraboo Bancorporation, Inc. 11.65 Million USD 34.99%
New Tripoli Bancorp, Inc. 10.75 Million USD 29.516%
First Reliance Bancshares, Inc. 29.71 Million USD 74.487%
Security Bancorp, Inc. 5.73 Million USD -32.285%
Logansport Financial Corp. 6.24 Million USD -21.338%
Bank of San Francisco 10.7 Million USD 29.218%
Community Investors Bancorp, Inc. 11.83 Million USD 35.936%
Uwharrie Capital Corp 41.17 Million USD 81.592%
1st Capital Bancorp 7.24 Million USD -4.609%
Northumberland Bancorp 14.28 Million USD 46.919%
Union Financial Corporation 11.45 Million USD 33.823%
Peoples Financial Corporation 16.4 Million USD 53.792%
Ballston Spa Bancorp, Inc. 15.86 Million USD 52.213%
Signature Bank of Georgia 12.69 Million USD 40.285%
Heritage NOLA Bancorp, Inc. 4.51 Million USD -67.922%
JSB Financial Inc. 8.99 Billion USD 99.916%
Catskill Hudson Bancorp, Inc. 13.05 Million USD 41.947%
Citizens Financial Corp. 10.39 Million USD 27.055%
Citizens Bancshares Corporation 8.47 Million USD 10.598%
Kish Bancorp, Inc. 31.68 Million USD 76.078%
CNB Corp. -35.11 Million USD 121.589%
HFB Financial Corporation 13.84 Million USD 45.246%
American Business Bank 60.93 Million USD 87.559%
Harleysville Financial Corporation -29.01 Million USD 126.122%
Grand River Commerce, Inc. 13.2 Million USD 42.598%
Community Capital Bancshares, Inc. - USD -Infinity%
blueharbor bank 7.57 Million USD -0.096%
Endeavor Bancorp 10.24 Million USD 26.042%
Summit Bancshares, Inc. 1.74 Million USD -335.389%
FineMark Holdings, Inc. 67.94 Million USD 88.845%
Private Bancorp of America, Inc. 42.77 Million USD 82.281%
Farmers & Merchants Bank of Long Beach 279.41 Million USD 97.287%
Paragon Financial Solutions, Inc. 25.82 Million USD 70.651%
Bank of Ayudhya Public Company Limited 137.9 Billion USD 99.995%
Neffs Bancorp, Inc. 5.43 Million USD -39.389%
Triad Business Bank 11.07 Million USD 31.579%
PB Financial Corporation 10.41 Million USD 27.234%
Tri City Bankshares Corporation 47.19 Million USD 83.939%
Touchmark Bancshares, Inc. 4.76 Million USD -59.127%
IBW Financial Corporation 25.3 Million USD 70.042%
Central Bancompany, Inc. 367.03 Million USD 97.935%
U & I Financial Corp. 25.14 Million USD 69.86%
Citizens Bancorp of Virginia, Inc. 12.59 Million USD 39.8%
Highlands Bankshares, Inc. 6.15 Million USD -23.072%
PBCO Financial Corporation 21.23 Million USD 64.306%
Community Bankers' Corporation 3.74 Million USD -102.532%
Auburn Bancorp, Inc. 2.93 Million USD -158.034%
First Berlin Bancorp, Inc. 26.27 Million USD 71.148%
QNB Corp. 28.8 Million USD 73.688%
Albina Community Bancorp -6.29 Million USD 220.378%
Concordia Financial Group, Ltd. 1 Billion USD 99.244%
The Victory Bancorp, Inc. 9.88 Million USD 23.295%
SFSB, Inc. 7709.00 USD -98226.631%
Canyon Bancorp -11.7 Million USD 164.764%
Investec Group 1.99 Billion USD 99.619%
Prime Meridian Holding Company 31.24 Million USD 75.739%
First Ottawa Bancshares, Inc. 25.57 Million USD 70.357%
Lumbee Guaranty Bank 10.24 Million USD 25.993%
Traditions Bancorp, Inc. 21.75 Million USD 65.161%
Bank of Idaho Holding Company 52.5 Million USD 85.564%
Atlas Mara Limited - USD -Infinity%
Madison County Financial, Inc. 8.55 Million USD 11.345%
Marathon Bancorp, Inc. 5.31 Million USD -42.679%
Lakeside Bancshares, Inc. 8.51 Million USD 11.009%
CIB Marine Bancshares, Inc. 24.9 Million USD 69.569%
Thomasville Bancshares, Inc. 78.59 Million USD 90.356%
Banco Espírito Santo, S.A. 2.92 Billion USD 99.741%
MCNB Banks, Inc. 3.18 Million USD -138.15%
Main Street Financial Services Corp. 19.47 Million USD 61.07%
Commencement Bancorp Inc. 11.97 Million USD 36.701%
Tennessee Valley Financial Holdings, Inc. 8.06 Million USD 5.99%
Westbury Bancorp, Inc. 18.04 Million USD 57.994%
Lyons Bancorp Inc. 39.13 Million USD 80.633%
Ledyard Financial Group, Inc. 27.57 Million USD 72.515%
Dimeco, Inc. 21.4 Million USD 64.593%
Embassy Bancorp, Inc. 41.45 Million USD 81.714%
Exchange Bankshares, Inc. 1.42 Million USD -433.251%
Pioneer Bankcorp, Inc. 27.64 Million USD 72.583%
Lifestore Financial Group, Inc. 22.38 Million USD 66.144%
University Bancorp, Inc. 85.84 Million USD 91.17%
NASB Financial, Inc. 91.68 Million USD 91.732%
First Bancshares Inc. (Bellevue, OH) 4.5 Million USD -68.232%
First IC Corporation 26.95 Million USD 71.881%
Baker Boyer Bancorp 27.59 Million USD 72.532%
First Bankers Trustshares, Inc. 24.01 Million USD 68.431%
Infinity Bancorp 7.97 Million USD 4.905%
RiverBank Holding Company 1.91 Million USD -296.746%
JTNB Bancorp, Inc. 1.74 Million USD -334.927%
California International Bank, N.A. 3.92 Million USD -92.973%
Lewis & Clark Bancorp 7.53 Million USD -0.597%
InsCorp, Inc. 11.89 Million USD 36.286%
Marine Bancorp of Florida, Inc. 20.17 Million USD 62.423%
Fentura Financial, Inc. 60.2 Million USD 87.409%
Oregon Pacific Bancorp 17.88 Million USD 57.608%
Nmb Financial Corp 15.43 Million USD 50.884%
GBank Financial Holdings Inc. 45.77 Million USD 83.44%
High Country Bancorp, Inc. 13.45 Million USD 43.668%
Security National Corporation 11.98 Million USD 36.76%
Andover Bancorp, Inc. 5.74 Million USD -31.954%
Dacotah Banks, Inc. 89.73 Million USD 91.553%
Oak View Bankshares, Inc. 9.57 Million USD 20.861%
Seneca Financial Corp. 3.02 Million USD -150.993%
First Farmers Financial Corporation 118.9 Million USD 93.625%
RBAZ Bancorp, Inc. 113.00 USD -6707864.602%
Oak Ridge Financial Services, Inc. 15.82 Million USD 52.095%
Pinnacle Bankshares Corporation 19.77 Million USD 61.671%
Primary Bank 12.99 Million USD 41.67%
Solera National Bancorp, Inc. 16.13 Million USD 53.024%
POSTD Merchant Banque 268.93 Thousand USD -2718.577%
Trinity Bank, N.A. 5.15 Million USD -47.099%
CoastalSouth Bancshares, Inc. 34.62 Million USD 78.111%
Delhi Bank Corp. 9.49 Million USD 20.136%
Solvay Bank Corp. 5.13 Million USD -47.614%
Bank of Utica 32.58 Million USD 76.741%
First State Financial Corporation 12 Thousand USD -63066.667%
1ST SUMMIT BANCORP of Johnstown, Inc. 33.5 Million USD 77.379%
First Commerce Bank 24.68 Million USD 69.288%
Golden State Bancorp 15.2 Million USD 50.151%
Citizens National Corporation 13.19 Million USD 42.571%
Two Rivers Financial Group, Inc. 42.82 Million USD 82.299%
First Bancshares, Inc. 22.61 Million USD 66.476%
Ottawa Bancorp, Inc. 7.19 Million USD -5.338%
Golden Valley Bancshares, Inc. 7.39 Million USD -2.55%
CITBA Financial Corporation 14.63 Million USD 48.197%
Financial Institutions, Inc. 8.48% SRB1 PFD B 1.92 Million USD -293.562%
Empire Bancshares, Inc. 1.24 Million USD -509.531%
Washington Business Bank 4.88 Million USD -55.105%
Pacific West Bancorp 10.03 Million USD 24.434%
Harbor Bankshares Corporation 6.92 Million USD -9.392%
Morris State Bancshares, Inc. 21.5 Million USD 64.756%
Community Bancorp of Santa Maria 7.57 Million USD -0.013%
FFD Financial Corporation 13.92 Million USD 45.566%
Benchmark Bankshares, Inc. 12.32 Million USD 38.519%
Calvin B. Taylor Bankshares, Inc. 32.54 Million USD 76.711%
F & M Bank Corp. 31.78 Million USD 76.152%
CNB Community Bancorp, Inc. 28.58 Million USD 73.479%
First Greenwich Financial, Inc. 13.01 Million USD 41.764%
West Shore Bank Corp. 22.1 Million USD 65.703%
Oxford Bank Corporation 21.75 Million USD 65.159%
CW Bancorp 47.09 Million USD 83.906%
Killbuck Bancshares, Inc. 5.67 Million USD -33.666%
Commercial National Financial Corporation 10.79 Million USD 29.802%
Redwood Financial, Inc. 22.87 Million USD 66.863%
Crystal Valley Financial Corporation 31.51 Million USD 75.944%
Eagle Financial Services, Inc. 63.46 Million USD 88.057%
WVS Financial Corp. 14.2 Million USD 46.631%
Farmers Bancorp (Frankfort IN) 22.4 Million USD 66.171%
MNB Holdings Corporation 9.23 Million USD 17.927%
Quaint Oak Bancorp, Inc. 33.49 Million USD 77.37%
Home Loan Financial Corporation 6.27 Million USD -20.759%
Cashmere Valley Bank 42.75 Million USD 82.273%
Cornerstone Financial Corporation 10.24 Million USD 26.005%
Southern BancShares (N.C.), Inc. 86.46 Million USD 91.234%
First Community Corporation PFD SER B 54.52 Million USD 86.098%
Isabella Bank Corporation 69.07 Million USD 89.027%
Pinnacle Bank 41.09 Million USD 81.556%
Century Next Financial Corporation 28.35 Million USD 73.269%
LINKBANCORP, Inc. 39.79 Million USD 80.954%
Cornerstone Bancorp Inc. 24 Million USD 68.423%
Security Federal Corporation 28.96 Million USD 73.834%
CCCB Bancorp, Inc. 5.7 Million USD -32.836%
The Southern Banc Company, Inc. 5.51 Million USD -37.443%
Hills Bancorporation 78.39 Million USD 90.331%
Pinnacle Bancshares, Inc. 5.66 Million USD -33.82%
First Bancorp of Indiana, Inc. 18.47 Million USD 58.974%
The Farmers Bank of Appomattox 2.64 Million USD -186.904%
Freedom Financial Holdings, Inc. 23.17 Million USD 67.296%
Susquehanna Community Financial, Inc. 11.31 Million USD 32.997%
Southern Community Bancshares, Inc. 1.35 Million USD -458.207%
Hocking Valley Bancshares, Inc. 6.62 Million USD -14.375%
River Valley Community Bancorp 9.72 Million USD 22.067%