Financial Indicators*
  2010 12-Month Range
  July June May April March February January High Low
Prime Rate 3.25 3.25 3.25 3.25 3.25 3.25 3.25 3.25 3.25
3-Month CD Rate 0.41 0.52 0.45 0.30 0.23 0.19 0.20 0.52 0.19
3-Month Treasury Bill Rate 0.16 0.12 0.16 0.16 0.15 0.11 0.06 0.17 0.05
5-Year Treasury Note Rate 1.76 2.00 2.18 2.58 2.43 2.36 2.48 2.58 1.76
10-Year Treasury Note Rate 3.01 3.20 3.42 3.85 3.73 3.69 3.73 3.85 3.01
20-Year Treasury Bond Rate 3.80 3.95 4.11 4.53 4.49 4.48 4.50 4.53 3.80
Tax-Exempt Bond Yield 4.32 4.36 4.29 4.41 4.36 4.36 4.33 4.60 4.20
Corporate Bond Yield (AAA) 4.72 4.88 4.96 5.29 5.27 5.35 5.26 5.35 4.72
Dow Jones Industrial average 10222 10159 10500 11052 10678 10215 10471 11052 9376
S&P 500 Index 1080 1083 1125 1197 1152 1089 1124 1197

1010

Dividend Yield (S&P) 2.38 2.17 1.88 1.88 1.88 1.97 2.03 2.38 1.88
P/E Ratio (S&P) 14.7 14.9 15.7 17.2 17.1 17.7 17.2 21.6 14.7
Dollar Exchange Rate
(vs. Major Currencies)
76.7 79.0 78.4 75.3 75.2 75.5 73.8 79.0 72.4

*Monthly Averages

Economic Indicators
  2010 12-Month Range
  July June May April March February January High Low
Housing Starts (In Thousands) 546 537 588 679 634 605 612 679 529
New Home Sales
(Thousands of Units)
  330 267 422 384 347 349 422 267
New Home Prices
(Thousands of Dollars)
  213 216 207 225 222 218 225 207
Retail Sales (% Change Year Ago) 5.5 5.2 6.9 8.7 8.5 4.7 4.0 8.7 -6.5
Industrial Production
(% Chang Year Ago)
7.7 8.2 8.0 5.6 4.4 2.2 1.5 8.2 -9.3
Operating Rate (% of Capacity) 74.8 74.1 74.1 73.1 72.8 72.3 72.3 74.8 70.0
Inventory Sales Ratio (Months)   1.26 1.25 1.23 1.23 1.26 1.25 1.35 1.23
Real Gross Domestic Product
(Annual % Change)
  2.4      3.7      5.0 1.6
Unemployment Rate (Percent) 9.5 9.5 9.7 9.9 9.7 9.7 9.7 10.1 9.5
Payroll Employment
(Change in Thousands)
-131 -221 432 313 208 39 14 432 -225
Personal Income
(% Change Year Ago)
  2.6 1.5 2.9 3.0 2.3 1.4 3.0 -2.4
Savings Rate
(Percent of Disposable Income)
  6.4 6.3 6 5.4 5.4 5.8 6.4 5.1
Hourly Earnings
(% Change Year Ago)
 2.3 2.3 2.4 2.3 2.1 2.4 2.6 2.7 2.1
Consumer Credit
(Change in Mil.Of Dollars)
  -1340 -5279 -13027 -6176 -8120 3573 3573 -23430
Consumer Prices
(% Change Year Ago)
1.2 1.1 2.0 2.2 2.3 2.1 2.6 2.7 -2.1
CPI Less Food & Energy
(% Change Year Ago)
0.9  0.9 0.9 0.9 1.1 1.3 1.6 1.8 0.9
Wholesale Prices
(% Change Year Ago)
4.2  2.8 5.3 5.5 6.0 4.4 4.6 6.0 -6.8