Washington, D.C. 20549 FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-10994 VIRTUS INVESTMENT PARTNERS, INC. (Exact name of registrant as specified in its charter) Delaware 26-3962811 (State or other juri ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2025. OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________ to ________. COMMISSION FILE NUMBER 0-14703 NBT BANCORP INC. (Exact name of registrant as specified in its charter) Delaware 16-1268674 (State o ...

Financial Performance - Total current assets decreased from $134,352,000 as of December 31, 2024, to $66,516,000 as of September 30, 2025, a decline of approximately 50.5%[16] - Net loss for the three months ended September 30, 2025, was $22,144,000, compared to a net loss of $30,707,000 for the same period in 2024, representing a 27.8% improvement[21] - Net loss per share for the three months ended September 30, 2025, was $0.41, an improvement from $0.58 in the same period of 2024[18] - For the nine months ended September 30, 2025, the net loss was $78,847, a decrease of 25.4% compared to a net loss of $105,687 for the same period in 2024[47] - The net loss for the three months ended September 30, 2025, was $22.144 million, with a net loss per share of $(0.41)[87] - The company incurred net losses of $22.1 million and $30.7 million for the three months ended September 30, 2025, and 2024, respectively, with an accumulated deficit of $700.0 million as of September 30, 2025[179] Expenses - Research and development expenses for the three months ended September 30, 2025, were $17,441,000, down 34% from $26,471,000 in the same period of 2024[18] - Total operating expenses for the nine months ended September 30, 2025, were $81,000,000, down 27.6% from $111,854,000 for the same period in 2024[18] - General and administrative expenses for Q3 2025 were $5.1 million, a decrease of 16% from $6.1 million in Q3 2024[135] - General and administrative expenses for the nine months ended September 30, 2025, were $18.5 million, a decrease of 3% from $19.0 million in the same period of 2024[136] - The Company recognized total stock-based compensation expense of $2.521 million for the three months ended September 30, 2025, and $9.873 million for the nine months ended September 30, 2025[82] Assets and Liabilities - Total liabilities increased from $34,157,000 as of December 31, 2024, to $37,923,000 as of September 30, 2025, an increase of approximately 8.2%[16] - Cash and cash equivalents increased from $17,567,000 as of December 31, 2024, to $23,442,000 as of September 30, 2025, an increase of approximately 33.5%[16] - The total stockholders' equity decreased from $113,618,000 as of December 31, 2024, to $44,800,000 as of September 30, 2025, a decline of approximately 60.6%[16] - The total accrued expenses and other current liabilities increased to $16,791,000 as of September 30, 2025, from $13,419,000 as of December 31, 2024[61] - The company reported accrued clinical and nonclinical study costs of $10,184,000 as of September 30, 2025, compared to $3,858,000 as of December 31, 2024, indicating a significant increase[61] Cash Flow - The company reported a net cash used in operating activities of $65,162 for the nine months ended September 30, 2025, compared to $89,866 for the same period in 2024, reflecting a 27.6% improvement[47] - The total cash, cash equivalents, and restricted cash increased by $5,875 during the nine months ended September 30, 2025, compared to a decrease of $6,304 in the same period of 2024[47] - The company experienced a net increase in cash, cash equivalents, and restricted cash of $5.9 million for the nine months ended September 30, 2025[154] - The company reported a net cash provided by investing activities of $71.4 million for the nine months ended September 30, 2025, primarily from cash received for maturities of investments of $117.1 million[157] Capital Raising and Financing - The company raised $372 from an ATM offering, net of commissions, compared to $29,302 in the previous year[47] - The Company entered into a secured term loan facility of up to $100.0 million, drawing an initial loan of $10.0 million, with an additional $40.0 million available until June 2024[67] - The Company issued approximately 2,404,855 shares of common stock under its at-the-market equity offering program for net proceeds of $30.0 million as of September 30, 2025[73] - The company completed an underwritten follow-on public offering in October 2023, raising approximately $58.9 million in net proceeds[149] - The company expects to finance operations through equity offerings, debt financings, and collaborations until substantial product revenue is generated[143] Clinical Development - The Company is advancing two clinical-stage product candidates: evorpacept and ALX2004, with evorpacept being evaluated in multiple clinical trials[97] - Evorpacept demonstrated a 65.0% objective response rate (ORR) in patients with retained HER2-positive and CD47-high gastric cancer, compared to 26.1% for the control group[101] - The median duration of response (mDOR) for Evo-TRP was 25.5 months versus 8.4 months for the control group in the same patient population[101] - Treatment with Evo-TRP resulted in a progression-free survival (PFS) of 18.4 months compared to 7.0 months for the control group, with a hazard ratio (HR) of 0.39[101] - The company has not realized product revenues from its planned principal operations as of September 30, 2025[33] Risks and Challenges - The company expects to continue incurring significant operating losses for the foreseeable future, with expenses likely to increase due to ongoing clinical trials and development efforts[180] - The company may never generate significant revenue or achieve profitability, which could impair its ability to maintain research and development efforts[189] - Clinical trial enrollment difficulties may lead to significant delays in regulatory submissions and marketing approvals[206] - The COVID-19 pandemic has adversely impacted clinical trial enrollment, with ongoing challenges expected[207] - The company may face significant delays in clinical trials due to various unforeseen events, which could impact the ability to obtain marketing approval[202]

Financial Performance - The company incurred significant net losses of A$20.5 million, A$26.8 million, and A$20.7 million for the fiscal years ended 2023, 2024, and 2025, respectively[29]. - As of June 30, 2025, the company had accumulated losses of A$134.8 million and cash on hand of A$4.3 million[31][43]. - The company generated revenues of A$42 thousand in 2025 and A$2.3 million in 2024 from licensing development stage drug candidates, with no revenue from product sales in prior years[29]. - The company raised A$16 million from the sale of ADSs during the year ended June 30, 2025, and will need additional financing to meet long-term business objectives[38]. - The company expects to continue incurring operating losses for the foreseeable future due to high research and development costs[31]. - The company anticipates that expenses will increase substantially as it continues its research and clinical development activities[32]. - The company faces substantial doubt about its ability to continue as a going concern, which may hinder future financing efforts[42]. - Global economic uncertainty and geopolitical tensions may adversely affect the company's business and financial performance[47]. Funding and Financial Risks - The company is limited by the "Baby Shelf Rule," which restricts the amount of funds that can be raised through public offerings until its non-affiliate public float exceeds $75 million[45]. - The company may face significant challenges in obtaining sufficient funding on acceptable terms, which could adversely affect its operations and financial condition[52]. - Changes in U.S. tax law, particularly regarding research and development expenses, could have a material adverse effect on the company's cash flow and financial condition[53]. - Inflation and rising interest rates have led to a decline in the trading value of government securities, which could impact the company's liquidity and access to funding[55]. Operational and Strategic Risks - The company has two product candidates in clinical trials, with the potential for failure to show benefit to patients impacting business continuity[40]. - The company is dependent on key management and technical personnel, and the loss of such individuals could delay or increase the cost of research and development programs[61]. - The company may face operational and financial risks associated with strategic transactions, including potential exposure to unknown liabilities and increased costs[59]. - The company may not successfully engage in strategic collaborations, which could hinder the development and commercialization of product candidates[58]. Regulatory and Compliance Risks - The company has remediated previously identified material weaknesses in its internal control over financial reporting, but future weaknesses could still arise, impacting business and stock price[63]. - The current U.S. federal government shutdown, which began on September 30, 2025, may impact the company's product development activities and regulatory approvals[74]. - The FDA's ability to review and approve new products may be hindered by inadequate funding and staffing issues, potentially delaying the company's timelines for product development[75]. - The approval process for the Company's product candidates may be hindered by various factors, including disagreements with regulatory authorities regarding clinical study designs[103]. - The company faces potential revenue impacts due to government and third-party payors' efforts to cap or reduce healthcare costs, which may limit coverage and reimbursement for newly approved products[118]. Product Development and Market Risks - Paxalisib has received orphan drug designation for multiple indications, including glioblastoma and malignant glioma, but exclusivity may not effectively protect it from competition[84]. - The company faces risks related to market acceptance of its products, which may not generate significant revenue even if approved[88]. - The estimated market opportunities for the company's product candidates may be smaller than expected due to various factors, including advancements in cancer treatment and competition[90]. - Patient identification efforts are crucial, and challenges in identifying and accessing patients may adversely affect the company's business and revenue potential[93]. Intellectual Property Risks - The company may face challenges in protecting intellectual property rights related to product candidates, which could hinder exclusivity and commercialization efforts[129]. - The patent protection for the company's product candidates is limited to approximately 20 years from the filing date, which may expose the company to competition from generics and biosimilars post-expiration[131]. - The company may need to conduct costly clinical trials to demonstrate cost-effectiveness in certain countries to obtain or maintain reimbursement approvals[121]. - The company may face significant costs and distractions from litigation related to intellectual property rights, which could adversely affect its business[159]. Market and Trading Risks - The Company received a notification from Nasdaq indicating that its Market Value of Listed Securities (MVLS) was below the minimum requirement of $35 million from March 28, 2025, to May 9, 2025[170]. - If the Company fails to regain compliance, it may face delisting from Nasdaq, which could severely limit the liquidity of its American Depositary Shares (ADSs)[171]. - The trading price of the ADSs is highly volatile, influenced by factors such as toxicity findings, lack of efficacy in trials, and announcements of new products or technologies[175]. - The Company announced its intention to delist from the Australian Securities Exchange (ASX), effective November 15, 2023, which may impair the liquidity and value of its ADSs[179]. Clinical Trials and Collaborations - Kazia's lead program, Paxalisib, is an investigational brain-penetrant inhibitor targeting the PI3K/Akt/mTOR pathway, specifically designed for brain cancer treatment[196]. - Paxalisib has shown promising clinical activity in a phase II study for newly diagnosed glioblastoma patients, with a median overall survival of 14.77 months compared to 13.84 months for standard of care[208]. - The GBM AGILE study enrolled approximately 150 patients in its first stage, with initial data expected in the first half of calendar year 2024[207]. - The company is conducting ongoing clinical trials for Paxalisib across various patient populations, including adult and pediatric brain cancer[204]. - Kazia is collaborating with the University of Sydney on the LUMOS2 phase II study, targeting recurrent/progressive IDH mutant gliomas, with an expected enrollment of up to 76 patients[210].

Financial Performance - Gross written premiums increased from $16.6 million in 2014 to $1.5 billion for the year ended December 31, 2024, reflecting a compound annual growth rate of approximately 57%[104] - The company has been profitable since 2016, with net income growth reflecting a compound annual growth rate of 43% since that year[104] - Net income for the three months ended September 30, 2025, was $51.5 million, an increase of $20.9 million or 68.7% from $30.5 million in 2024[145] - The company reported net income of $140.9 million for the nine months ended September 30, 2025, an increase of $58.3 million, or 70.6%, compared to $82.6 million for the same period in 2024[154] - Total revenue for the nine months ended September 30, 2025, was $622.6 million, up from $398.1 million in 2024[174] Premiums and Underwriting - Gross written premiums increased by $182.2 million, or 43.9%, to $597.2 million for the three months ended September 30, 2025, compared to $414.9 million for the same period in 2024[138] - Net written premiums rose by $115.5 million, or 72.3%, to $275.2 million for the three months ended September 30, 2025, from $159.7 million in the prior year[142] - Net earned premiums increased by $89.5 million, or 66.0%, to $225.1 million for the three months ended September 30, 2025, compared to $135.6 million for the same period in 2024[143] - Gross written premiums increased by $367.4 million, or 31.4%, to $1.5 billion for the nine months ended September 30, 2025, compared to $1.2 billion for the same period in 2024[155] - Net written premiums rose by $240.8 million, or 50.6%, to $716.5 million for the nine months ended September 30, 2025, driven primarily by increased gross written premiums in the Casualty and Crop lines[160] Expenses and Losses - Losses and loss adjustment expenses surged by $32.5 million, or 80.6%, to $72.8 million for the three months ended September 30, 2025, from $40.3 million in 2024[145] - Acquisition expenses increased by $14.8 million, or 35.7%, to $56.3 million for the three months ended September 30, 2025, compared to $41.5 million for the same period in 2024[147] - Other underwriting expenses rose by $20.2 million, or 71.7%, to $48.3 million for the three months ended September 30, 2025, from $28.1 million in 2024[148] - Losses and loss adjustment expenses increased by $60.2 million, or 61.6%, to $157.7 million for the nine months ended September 30, 2025, compared to $97.6 million in 2024[164] - Non-catastrophe losses surged by $78.5 million, or 100.9%, to $156.4 million for the nine months ended September 30, 2025, from $77.9 million in 2024[164] Investment Income - Net investment income increased by $5.2 million, or 54.9%, to $14.6 million for the three months ended September 30, 2025, compared to $9.4 million in 2024[145] - Net investment income rose by $15.5 million, or 63.3%, to $40.0 million for the nine months ended September 30, 2025, compared to $24.5 million for the same period in 2024[154] Ratios and Returns - The combined ratio is defined as the sum of the loss ratio and the expense ratio, with a ratio under 100% indicating an underwriting profit[129] - The combined ratio decreased to 78.1% for the three months ended September 30, 2025, from 80.5% in 2024, indicating improved underwriting performance[145] - The annualized return on equity improved to 23.9% for the three months ended September 30, 2025, compared to 19.7% in the prior year[145] - The annualized return on equity improved to 23.4% for the nine months ended September 30, 2025, up from 18.8% in the prior year[154] - Annualized adjusted return on equity for Q3 2025 is 25.6%, up from 21.0% in Q3 2024[181] Equity and Dividends - Tangible stockholders' equity is defined as stockholders' equity less intangible assets, providing a clearer view of the company's financial health[135] - Total stockholders' equity increased to $878.1 million as of September 30, 2025, up from $729.0 million at the end of 2024, driven by net income and unrealized gains on fixed maturity securities[217] - The maximum dividend PSIC can pay in 2025 without regulatory approval is $99.6 million[195] - The maximum dividend PESIC can pay in 2025 without regulatory approval is $4.2 million[196] - FIA has the capacity to pay a dividend of $2.3 million in 2025, subject to regulatory approval[197] Reinsurance and Risk Management - The company utilizes a comprehensive risk transfer program with reinsurance coverage to reduce earnings volatility[103] - The company has $1.2 billion of multi-year indemnity-based reinsurance coverage for earthquake events, issued through Torrey Pines Re Ltd[224] - Catastrophe event retention is $20 million for earthquake events and $11 million for hurricane events, with reinsurance coverage exhausting at $3.53 billion for earthquake events and $100 million for continental U.S. hurricane events[225] - The company utilizes a mix of traditional reinsurers and insurance linked securities, purchasing reinsurance from over 100 reinsurers with a minimum rating of "A−" (Excellent) or better[223] - The company employs treaty reinsurance primarily consisting of catastrophe excess of loss (XOL) coverage, which assumes losses relating to specified events[224] Cash Flow and Liquidity - Cash provided by operating activities for the nine months ended September 30, 2025, was $291.7 million, compared to $188.5 million for the same period in 2024, reflecting a significant increase[206] - As of September 30, 2025, the company had $1.3 billion in cash and investment securities available, ensuring sufficient liquidity for future operating cash flows[210] - The company had no borrowings outstanding through the Credit Agreement as of September 30, 2025, indicating strong liquidity management[214] - The company’s cash and cash equivalents totaled $111.7 million as of September 30, 2025, contributing to overall liquidity[219] Investment Portfolio - The investment portfolio as of September 30, 2025, included $1.1 billion in fixed maturity securities, with a book yield of 4.84%, compared to 4.59% at the end of 2024[220] - The fixed maturity portfolio has an average rating of "AA−," with approximately 68.8% rated "A−" or better, and 4.9% unrated or rated below investment grade as of September 30, 2025[231] - The majority of the investment portfolio is in high credit quality, investment grade fixed maturity securities, managing credit risk through diversification[230]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 HCI Group, Inc. For the quarterly period ended September 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-34126 (Exact name of registrant as specified in its charter) (State of Incorporation) 3802 Coconut Palm Drive Tampa, FL 33619 (Address, including zip cod ...

For the quarterly period ended September 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________________________ to ______________________ UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 001-41456 ECB Bancorp, Inc. (Exact Name of Registrant as Specified in its Charter ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-33678 NOVABAY PHARMACEUTICALS, INC. (Exact name of registrant as specified in its charter) Delaware 68-045 ...

Financial Performance - Total current assets decreased from $4,898,883 on December 31, 2024, to $3,352,859 on September 30, 2025, a decline of approximately 31.5%[18] - Operating expenses for the three months ended September 30, 2025, were $1,616,947, compared to $1,361,607 for the same period in 2024, representing an increase of about 18.7%[21] - The net loss applicable to common stockholders for the nine months ended September 30, 2025, was $5,418,671, compared to $19,508,857 for the same period in 2024, indicating a reduction of approximately 72.2%[21] - Cash and cash equivalents decreased from $4,301,945 at the beginning of the period to $3,082,268 at the end of September 30, 2025, a decrease of about 28.4%[27] - The total stockholders' equity decreased from $5,729,499 on December 31, 2024, to $3,692,782 on September 30, 2025, a decline of approximately 35.5%[18] - Interest income for the three months ended September 30, 2025, was $18,961, compared to $61,692 for the same period in 2024, a decrease of about 69.3%[21] - The Company had net cash used in operating activities of $4,598,705 for the nine months ended September 30, 2025, compared to $6,369,477 for the same period in 2024, a decrease of approximately 27.9%[27] - The Company incurred net losses of approximately $1.6 million and $5.4 million for the three and nine months ended September 30, 2025, respectively[112] - The Company had negative cash flow from operating activities of approximately $4.6 million for the nine months ended September 30, 2025, compared to $6.4 million for the same period in 2024[112] - As of September 30, 2025, the Company possessed cash and cash equivalents of approximately $3.1 million, with current liabilities of approximately $1.1 million[113] Research and Development - Research and development expenses for the nine months ended September 30, 2025, were $2,460,304, down from $2,917,674 in the same period of 2024, a decrease of approximately 15.7%[21] - Research and development expenses for Q3 2025 were approximately $0.8 million, up from $0.6 million in Q3 2024, primarily due to increased clinical trial expenses[115] - The Company is focused on developing the Symphony IL-6 test for monitoring disease progression in critical care settings, particularly for sepsis[110] - The Company has completed pre-clinical development of the Symphony analyzer and is redeveloping manufacturing processes for cartridges[108] Regulatory and Clinical Trials - The Symphony IL-6 test aims to provide laboratory-quality results in 20 minutes for critical care settings, focusing on monitoring disease progression in sepsis patients[2] - The SYMON-I pilot clinical study indicated that IL-6 levels within 24 hours of sepsis diagnosis may predict patient mortality up to 28 days[3] - The SYMON-II pivotal clinical study has enrolled approximately half of its targeted patient population as of the end of Q3 2025, with the goal of validating IL-6 as a predictor of 28-day all-cause mortality[4] - The Company expects to submit a 510(k) regulatory application to the FDA in 2027, contingent on successful clinical trial results[5] Capital and Financing - The Company plans to raise at least $20 million in capital between now and the end of the 2027 fiscal year to support the development of its Symphony technology platform[1] - The gross proceeds from the April 2025 private placement were $3,846,707, with total cash offering costs of $464,670 incurred[66] - The Company raised $8,569,075 in the June 2024 public offering, incurring offering costs of $1,133,419[69] - The January 2024 offering generated gross proceeds of $3,500,000, with offering costs amounting to $711,031[76] - The Company raised approximately $3.4 million in cash through financing activities during the nine months ended September 30, 2025, a decrease of $6.8 million compared to the same period in 2024[124] - The Company raised approximately $4.5 million from a private placement on October 10, 2025, incurring total offering costs of $542,650[142] Stock and Warrants - The company reported a weighted average common shares outstanding of 1,574,535 for the three months ended September 30, 2025, compared to 191,117 for the same period in 2024, reflecting a significant increase due to stock issuance[21] - As of September 30, 2025, there were 1,085,106 Class E warrants and 287,491 Class C warrants outstanding, with a significant number of potentially dilutive securities not included in the diluted net loss per share calculation[58] - The Company recorded a deemed dividend of $9,282,075 due to the modification of Class C Warrants, which adjusted the exercise price from $98.00 to $16.30, increasing the number of shares issuable to 1,372,586[80] - The Company has 287,491 Class C Warrants outstanding as of September 30, 2025, after all reduced exercise price Class C Warrants were exercised[80] - The Company issued various warrants in public offerings and private placements, including October 2025 Prefunded Warrants for up to 2,075,000 shares at an exercise price of $0.0001 per share[161] Legal and Compliance - The Company has no material legal proceedings currently pending[156] - The Company’s disclosure controls and procedures were deemed effective as of September 30, 2025[152] - The company may face liquidated damages of 2% per month on the unregistered subscribed amount, capped at 20% of the total $4,500,000 subscribed amount if it fails to meet registration requirements[166] Management and Governance - The base salary for the CEO has been increased to $400,000 per year, retroactively effective from October 1, 2025[172] - Non-management directors may receive restricted stock units for 200,000 shares annually, subject to a cap of $300,000 in combined value with cash fees[175] - The Company plans to amend the 2021 Stock Plan to increase the number of shares available for grant by 30,000,000 shares, with a decision deferred until 2026[174] Operational Updates - The Company has undergone multiple reverse stock splits, combining shares on a 1-for-8,000 aggregate basis since July 2023[8] - The Company has entered into agreements with Sanyoseiko Co. Ltd. for the manufacturing of analyzers and cartridges, which includes end-to-end support for the Symphony platform[9] - The Company is redeveloping the cartridge manufacturing process through Sanyoseiko, aiming to meet performance and quality requirements by October 2026[63] - The Company recorded additional equity issuance costs of $2,706,645 related to the modification of the Series C Warrants and issuance of Series E Warrants[67] - The Company transferred fixed assets with a net book value of $62,376 to a third party during the quarter ended September 30, 2025, as part of closing its internal lab[93]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended October 3, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ____________ to___________ Commission File Number 0-18655 (650) 326-9400 (Registrant's telephone number, including area code) Securities registered pursuant ...