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ZIOLKOWSKI CONSTRUCTION, INC. <br />South Bend, Indiana <br />FINANCIAL STATEMENTS <br />December 31, 2020 and 2019 <br />CONTENTS <br />INDEPENDENT AUDITOR'S REPORT............................................................................................. 1 <br />FINANCIAL STATEMENTS <br />BALANCESHEETS..................................................................................................................... 3 <br />STATEMENTS OF INCOME AND RETAINED EARNINGS....................................................... 4 <br />STATEMENTS OF CASH FLOWS............................................................................................. 5 <br />NOTES TO FINANCIAL STATEMENTS..................................................................................... 6 <br />