The following table presents the Company’s pay versus performance disclosure as required by the SEC. The “Compensation Actually Paid” portions of this table are calculated in accordance with SEC rules and include certain amounts that were not received during the respective fiscal year and may not be received in the future. The section of the proxy statement captioned, “Compensation Discussion and Analysis” describes how the Compensation Committee links pay to performance.


			Average
			Summary
			Compensation	Average	Value of Initial Fixed $100
			Table Total	Compensation	Investment Based on:
			for	Actually		Peer
	Summary		Non PEO	Paid to Non-		Group
	Compensation	Compensation	Named	PEO Named	Total	Total
	Table Total	Actually Paid	Executive	Executive	Shareholder	Shareholder	Net	Return on
Year (1)	for PEO	to PEO (2)	Officers	Officers (2)	Return (3)	Return (3)*	Income	Equity (4)
2023	$2,632,890	$4,044,738	$824,338	$979,498	$125.43	$114.97	$47,300,000	14.9%
2022	$5,687,358	$5,103,765	$658,855	$570,072	$103.08	$109.91	$28,982,000	9.6%
2021	$2,347,282	$1,908,987	$599,663	$517,508	$103.62	$125.70	$24,094,000	8.1%

(1)

For each covered year, Keith S. Walters served as our Chief Executive Officer. For 2023, our other NEO's were: Vera Burnett, Dan Gus, Wade Brewer and Ronald M. Graham. For 2022 our other NEO's were Vera Burnett, Dan Gus, Ronald M. Graham and Michael D. Magill. For 2021 our other NEO's were Vera Burnett, Ronald M. Graham and Michael D. Magill.

(2)

Amounts reported in this column are based on total compensation reported for our CEO and for other NEOs, respectively, in the Summary Compensation Table for the indicated fiscal years and adjusted as shown in the table below. Fair value of equity awards was computed in accordance with the Company’s methodology used for financial reporting purposes.


																		Change			Prior
											Year-End		Vest					in fair			Year-
											fair		Date		Change in			value of			End
								Grant			value of		fair		fair value			awards			fair
								Date fair			awards		value of		of awards			granted			value
								value of			granted in		awards		granted			in prior			of any
			Minus			Plus		current			current		granted		in prior			years			awards		Dividends
			SCT			Pension		year			year		and		years and			and			forfeited		Paid
	Summary		Change in			Value		grants as			unvested		vested in		unvested			vested in			during		in FY on
Principal	Compensation		Pension			Service		disclosed			at		current		at			current			current		Unvested		Compensation
Position	Table		Value			Cost		in the SCT			year-end		year		year-end			year			year		Awards		Actually Paid
CEO
2023	$	2,632,890	$	-		$	-	$	-		$	-	$	-	$	1,469,765		$	(57,917	)	$	-	$	-	$	4,044,738
2022	$	5,687,358	$	(67,692	)	$	-	$	(4,110,495	)	$	3,124,699	$	464,256	$	(30,363	)	$	7,537		$	-	$	28,465	$	5,103,765
2021	$	2,347,282	$	(87,917	)	$	-	$	(697,972	)	$	521,880	$	-	$	(11,153	)	$	(222,679	)	$	-	$	59,546	$	1,908,987

Non-CEO Average
2023	$	824,338	$	(8,997	)	$	22,739	$	(223,506	)	$	305,561	$	-	$	61,078		$	(1,715	)	$	-	$	-	$	979,498
2022	$	658,855	$	(51,994	)	$	7,084	$	(228,154	)	$	174,483	$	55,846	$	(716	)	$	(613	)	$	-	$	671	$	570,072
2021	$	599,663	$	(61,703	)	$	6,696	$	(72,095	)	$	53,917	$	-	$	(1,152	)	$	(13,969	)	$	-	$	6,151	$	517,508

(3)

Total shareholder return amounts assume an initial investment of $100 on February 28, 2020. The peer group used for purposes of the total shareholder return comparison is the peer group published in the Company’s 2021 proxy statement because the Company’s standing within that peer group with respect to total shareholder return as of February 29, 2024 will be used after FY 2024 to calculate the vesting levels of the RSUs issued in 2021 and 2022.

(4)

In accordance with SEC rules, the Company is required to include in the Pay Versus Performance Table the “most important” financial performance measure (as determined by the Company) used to link compensation actually paid to our executive officers to Company performance for the most recently completed fiscal year. The Company determined Return on Equity which is a metric included in our Annual Performance Bonus and Long Term Incentive Program, meets this requirement, and therefore, we have included this performance measure in the Pay Versus Performance Table.

Named Executive Officers, Footnote [Text Block]

(1)

For each covered year, Keith S. Walters served as our Chief Executive Officer. For 2023, our other NEO's were: Vera Burnett, Dan Gus, Wade Brewer and Ronald M. Graham. For 2022 our other NEO's were Vera Burnett, Dan Gus, Ronald M. Graham and Michael D. Magill. For 2021 our other NEO's were Vera Burnett, Ronald M. Graham and Michael D. Magill.

PEO Total Compensation Amount

$ 2,632,890

$ 5,687,358

$ 2,347,282

Adjustment To PEO Compensation, Footnote [Text Block]

(2)

Amounts reported in this column are based on total compensation reported for our CEO and for other NEOs, respectively, in the Summary Compensation Table for the indicated fiscal years and adjusted as shown in the table below. Fair value of equity awards was computed in accordance with the Company’s methodology used for financial reporting purposes.


																		Change			Prior
											Year-End		Vest					in fair			Year-
											fair		Date		Change in			value of			End
								Grant			value of		fair		fair value			awards			fair
								Date fair			awards		value of		of awards			granted			value
								value of			granted in		awards		granted			in prior			of any
			Minus			Plus		current			current		granted		in prior			years			awards		Dividends
			SCT			Pension		year			year		and		years and			and			forfeited		Paid
	Summary		Change in			Value		grants as			unvested		vested in		unvested			vested in			during		in FY on
Principal	Compensation		Pension			Service		disclosed			at		current		at			current			current		Unvested		Compensation
Position	Table		Value			Cost		in the SCT			year-end		year		year-end			year			year		Awards		Actually Paid
CEO
2023	$	2,632,890	$	-		$	-	$	-		$	-	$	-	$	1,469,765		$	(57,917	)	$	-	$	-	$	4,044,738
2022	$	5,687,358	$	(67,692	)	$	-	$	(4,110,495	)	$	3,124,699	$	464,256	$	(30,363	)	$	7,537		$	-	$	28,465	$	5,103,765
2021	$	2,347,282	$	(87,917	)	$	-	$	(697,972	)	$	521,880	$	-	$	(11,153	)	$	(222,679	)	$	-	$	59,546	$	1,908,987

Non-CEO Average
2023	$	824,338	$	(8,997	)	$	22,739	$	(223,506	)	$	305,561	$	-	$	61,078		$	(1,715	)	$	-	$	-	$	979,498
2022	$	658,855	$	(51,994	)	$	7,084	$	(228,154	)	$	174,483	$	55,846	$	(716	)	$	(613	)	$	-	$	671	$	570,072
2021	$	599,663	$	(61,703	)	$	6,696	$	(72,095	)	$	53,917	$	-	$	(1,152	)	$	(13,969	)	$	-	$	6,151	$	517,508