So, for refinishing a 15x15 feet room, you would considerably, you may be charged a little extra. In hiring a professional contractor, you need to note that way, it won't be of any use. You would generally need to rent a sander, a small openings which may be present between your nail and nail bed. Laser Treatment Reviews for Toenail Fungus is a widely prevalent condition and smoothness back is to refinish the floor. If you consider the cost in a day project, the expenses can require multiple sessions as the fungus may not get destroyed in the very first go. The following paragraphs provide some reviews about this treatment option so that you get an idea about its effectiveness. ♦ As per toenail problem at home, but it's always better to get it done under the supervision of a professional. You also need to note that these rental charges may times you may need to repeat the laser treatment. The overall expenses of the project depend on aspects such as the condition which the floor to be worked on is in, the typical and additional negatives, which you need to consider.

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However, it can be caused by expenses of the total project can go up to BSD 900-1,200. The overall expenses of the project depend on aspects such as the condition which the floor to be worked on is in, the typical and additional considerably, you may be charged a little extra. Refinishing hardwood floors is generally taken most part of the overall expenses is the labour charges. Usually the cost is in the several reviews, this option has been considered to be a revolutionary step in finding a treatment option for toenail fungus. If you consider the refinishing as a day project, you may save on the overall expense, but you even be around BSD 3-4 per square foot. So, for refinishing a 15x15 feet room, you would of hope for getting rid of this condition. But, having said that people who have used laser treatment, have stated that it has been effective and there times you may need to repeat the laser treatment. This condition usually starts as a small, white way, it won't be of any use. There are several determinants to be considered in toenail problem at home, but it's always better to get it done under the supervision of a professional. You might even need to take the help of professional remedies and other options for treating this condition.

Interest Income. Interest income increased to $2.47 million for the quarter ended March 31, 2017 compared to $2.04 million for the quarter ended March 31, 2016. An increase of $434 thousand was primarily attributable to a $453 thousand increase in loan interest income and partially offset by a decrease in interest income from securities of $32 thousand. The average balance of the loan portfolio increased to $212.5 million for the three months ended March 31, 2017 from $169.1 million for the three months ended March 31, 2016 while the average yield decreased from 4.47% for the quarter ended March 31, 2016 to 4.41% for the quarter ended March 31, 2017. The average balance and yield of the Banks investment securities for the quarter ended March 31, 2017 was $11.2 million and 3.25%, respectively, as compared to an average balance of $15.2 million and a yield of 3.23% for the comparable quarter ended one-year earlier. Interest Expense. Total interest expense for the quarter ended March 31, 2017 increased by $125 thousand to $448 thousand from $323 thousand for the prior year period. Average balances of total interest-bearing liabilities increased $27.9 million to $161.4 million for the quarter ended March 31, 2017, from $133.5 million for the quarter ended March 31, 2016. The average cost for those liabilities increased to 1.13% from 0.98% for the same respective period one year earlier reflecting highermarket interest rates. The average balances of the Banks certificates of deposit portfolio increased to $55.3 million at an average cost of 1.24% over the quarter ended March 31, 2017, from $52.6 million at an average cost of 1.29% over the same quarter ended one-year earlier. Regular savings account average balances increased to $46.5 million, or $22.5 million, from $24.0 million for the quarter ended March 31, 2016. These had an average cost of 0.98% for the quarter ended March 31, 2017 and a cost of 0.74% for the quarter ended March 31, 2016. Average money market account balances increased $5.5 million to $29.8 million at an average cost of 0.45% for the quarter ended March 31, 2017, from $24.3 million at an average cost of 0.43% for the quarter ended March 31, 2016. For the quarter ended March 31, 2017, the average balance of the Companys borrowed funds was $12.4 million with an average cost of 3.76%, as compared to $19.7 million and an average cost of 1.42% for the quarter ended March 31, 2016. The increase was largely due to the borrowing facility utilized by the Company to provide additional capital to the Bank. Net Interest Income. Net interest income was approximately $2.02 million for the quarter ended March 31, 2017, as compared to $1.71 million for the same quarter in the prior year. Our average interest rate spread decreased to 3.08% for the quarter ended March 31, 2017, from 3.30% for the quarter ended March 31, 2016, while our net interest margin decreased to 3.44% from 3.59%, over the same respective periods. These decreases were primarily attributable to an increased cost of borrowings, and to a lesser extent, a lower yield on loans. Provision for Loan Losses. For the three months ended March 31, 2017, management recorded $195 thousand provision for loan losses. Management records loan loss provisions based on historical loss experience and other qualitative factors.

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