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This analysis uses ABS Statistical Areas Level 2 (SA2) boundaries, which can materially differ from Suburbs and Localities (SAL) even when sharing similar names.
SA2 boundaries are defined by the Australian Bureau of Statistics and are designed to represent communities for statistical reporting (e.g., census and ERP).
Suburbs and Localities (SAL) represent commonly-used suburb/locality names (postal-style areas) and may use different geographic boundaries. For comprehensive analysis, consider reviewing both boundary types if available.
est. as @ -- *
ABS ERP | -- people | --
2021 Census | -- people
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Loddon has an estimated 7,244 residents, down from 7,289 at the 2021 Census. 161 new addresses have been validated here since Census night. Fewer than ten people live on each square kilometre, across a boundary that takes in surrounding rural land. Population is estimated from ABS Estimated Resident Population releases and GNAF address data, re-based from the 2021 Census and updated annually.
Detail
According to investigations by AreaSearch, the population of Loddon is estimated to be approximately 7,244 as of May 2026. This represents a contraction of 45 residents (0.6%) compared to the 2021 Census, which documented a population of 7,289 people. This shift is deduced from ABS estimates showing a resident population of 7,231 in June 2025 alongside 161 validated new addresses confirmed since the Census. Based on these numbers, the population density stands at 1.2 persons per square kilometer, which ensures a spacious living environment. Recent population gains were almost entirely fueled by overseas migration, which served as the primary driver of growth.
Projections from ABS and Geoscience Australia published in 2024 with a 2022 baseline are utilized by AreaSearch for each SA2 region. In instances where SA2 level details are unavailable, data is supplemented using the 2023 Regional/LGA projections from the VIC State Government, adjusted by aggregating population growth weights from LGA down to SA2 boundaries. Age-specific growth trends derived from these aggregations are applied to all regions for the period spanning 2032 to 2041. Looking at these demographic pathways, forecasts indicate a downward population trend, with the region projected to lose 3,144 persons by 2041 under this framework.
Frequently Asked Questions - Population
116 new dwellings have been approved in Loddon over the past five years, an average of 23 a year. That is 3.2 approvals per 1,000 residents. Approvals are currently running at an annualised 22, broadly in line with that longer-run average. Figures come from ABS building approvals aggregated to this SA2 boundary and are updated monthly as the ABS releases them.
Detail
An average of approximately 23 new home approvals have been recorded annually in Loddon, representing 116 dwellings over the prior 5 financial years. Thus far in FY-26, there have been 21 approvals registered. Because the population grew by an average of only 0.3 people per year for every home constructed between FY-21 and FY-25, residential supply is keeping pace with or exceeding demand, widening options for buyers and allowing for population expansion beyond current forecasts, with new dwellings being built at an average cost of $322,000. Furthermore, commercial approvals totaling $25.3 million have been logged this financial year, demonstrating ongoing commercial investment.
When compared to the Rest of Vic., development intensity in Loddon is notably low (56.0% below regional average per person). This constrained addition of new dwellings typically helps sustain demand and prices for pre-existing houses. This rate is also below the nationwide average, reflecting a mature market and highlighting potential planning restrictions. In addition, new residential permits consist entirely of detached houses, preserving the classic low-density profile of the region with a focus on spacious family residences. There are roughly 336 people for every dwelling approval, pointing to a low-density property market. Given that the population is projected to stabilize or contract, Loddon is likely to experience less pressure on residential properties, which could present favorable conditions for purchasers.
Frequently Asked Questions - Development
Development applications around Loddon
SOURCE: Planning portals and council registers, compiled by AreaSearch. Distance & bearing measured from the suburb midpoint.
AreaSearch tracks one current infrastructure or development project inside Loddon, worth an estimated $250 million. A further 77 sit in the immediately surrounding suburbs, taking the tracked pipeline within reach of the area to $4.93 billion. 26 are already under construction and 27 are due for completion within three years. The pipeline spans residential development, transport & logistics and education & training. Records are compiled from Infrastructure Australia, state agencies, council planning portals and public announcements, reviewed and updated daily, then ranked by proximity, construction stage, completion horizon and project scale.
Detail
Local infrastructure updates, major construction projects, and planning changes have a significant effect on regional performance. AreaSearch has identified a total of 79 projects that are expected to impact the local community. Prominent developments include the Derby Solar Farm, the Campbells Forest Solar Farm, the Marong Township Growth Area, and Calder Highway Upgrades, with the list below highlighting the most relevant ones.
Professional plan users can use the search below to filter and access additional projects.
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Denotes AI-based impression for illustrative purposes only, not to be taken as definitive under any circumstances. Please follow links and conduct other investigations from the project's source for actual imagery. Developers and project owners wishing us to use original imagery please Contact Us and we will do so.
Frequently Asked Questions - Infrastructure
Derby Solar Farm
A 95 MW solar farm with an 85 MW / 100 MWh battery energy storage system planned near Derby in Victoria's Murray River Renewable Energy Zone. The project is designed to dispatch renewable electricity to the Victorian grid, power around 25,000 homes per year, offset about 150,000 tonnes of CO2 annually, and create more than 150 construction jobs. ACEnergy's latest project page lists the project as under development, with development and approvals in 2025-2026, construction in 2027, and operations from 2028.
Campbells Forest Solar Farm
The Campbells Forest Solar Farm is a proposed 205 MW solar photovoltaic (PV) farm located approximately 20 km north-west of Bendigo on Pyramid-Yarraberb Road in Loddon Shire, Victoria. The project covers approximately 360 hectares of cleared rural land. It received planning approval from the Loddon Shire Council in May 2020 and was selected for the Federal Government's Capacity Investment Scheme in December 2024, providing revenue underwriting. Construction is targeted to commence in late 2024, with commercial operation by Q3 2026.
Marong Township Growth Area
Long-term residential and mixed-use growth framework for Marong, 15km west of Bendigo CBD. Amendment C263gben to the Greater Bendigo Planning Scheme was gazetted on 29 May 2025, implementing the Marong Township Structure Plan 2020 (re-adopted 2024). The amendment rezones land within the township to Neighbourhood Residential Zone and Mixed-Use Zone, expands commercial zoning, applies heritage, flood, bushfire and development overlays, and identifies four residential growth precincts to accommodate a population of approximately 8,000 people over 25 years.A Shared Infrastructure Contributions Plan is being prepared, and further rezoning applications for individual growth precincts will follow as a separate process.
Calder Highway Upgrades
$20 million highway upgrade including overtaking lanes, rest area improvements, and safety enhancements. Grade-separated interchange at Calder Highway/Calder Alternative Highway intersection near Ravenswood.
Marong Estate (Discover Marong)
Masterplanned residential estate by Birchgrove Property Group in Marong (Greater Bendigo) comprising 226 lots. The estate is adjacent to Malone Park Recreation Reserve and within walking distance to local school, hotel, pool, and sporting facilities. The development is completely sold out with titled lots ready to build on.
Bendigo Regional Employment Precinct (BREP)
A 294-hectare industrial and employment precinct located south of Marong. The project involves rezoning 206 hectares to Industrial 1 Zone (INZ1) to address industrial land shortages. It is designed for advanced manufacturing and logistics, featuring six development stages. It is expected to create 3,000 direct and 3,000 indirect jobs, delivering an estimated $9.5 billion in economic benefits over 30 years.
Virginia Hill, Bendigo
Part of the Victorian Government's Big Housing Build, this project in the Virginia Hill neighbourhood of Eaglehawk, Bendigo, will deliver 129 modern, accessible and energy-efficient social housing and affordable rental homes in a mix of 1-, 2-, and 3-bedroom options, replacing 64 ageing public housing dwellings. At least 5% of homes are fully accessible for people with disabilities. All homes achieve a minimum 7-star NatHERS rating and Silver standard Liveable Housing Australia guidelines. Site clearing and early works commenced November 2025 and are scheduled to run through to August 2026, with main construction starting mid-2026 and full completion expected in 2028.
Maiden Gully Growth Area
A strategic residential growth corridor designed to accommodate 25% of Bendigo's new housing over 20 years. Key 2026 updates include the progression of the Maiden Gully Urban Design Framework (UDF) for the town centre, and Victorian Government budget funding for the critical Calder Highway and Maiden Gully Road intersection upgrade. Infrastructure works like the 11km Maiden Gully to Marong water and sewer pipeline are nearing completion in late 2026 to support an expected population of 11,600 by 2030.
3,159 residents of Loddon are employed, from a labour force of 3,327. Unemployment sits at 5.0%, with participation at 53.9%. Weighted for its industry mix, the area's sectors are forecast to grow about 4.8% nationally over five years. That reflects industry composition only and makes no allowance for local population growth. Unemployment and labour force come from ABS Small Area Labour Markets, updated quarterly; the industry and occupation profile is from the 2021 Census.
Detail
The workforce in Loddon is evenly distributed between white and blue collar jobs across a range of industries, featuring an unemployment rate of 5.0% and an estimated 1.4% expansion in employment over the preceding year. As of March 2026, there are 3,159 working residents, with the unemployment rate sitting 1.4% higher than the Regional Vic. average of 3.7%, while workforce participation is considerably lower (53.9% relative to 61.1% in Regional Vic.). Census data indicates that a moderate 22.2% of residents worked from home, though this figure may reflect the influence of Covid-19 restrictions.
Resident employment is primarily clustered in agriculture, forestry & fishing, health care & social assistance, and retail trade. The agricultural, forestry & fishing sector shows an exceptionally high concentration, employing workers at 4.8 times the regional average rate. Conversely, health care & social assistance is under-represented, making up only 12.0% of the local workforce compared to 16.8% across Regional Vic. Based on the ratio of Census working population to residents, the area appears to have a shortage of local jobs. AreaSearch analysis of SALM and ABS statistics shows that for the year ending March 2026, employment grew by 1.4% and the labor force expanded by 0.8%, causing the unemployment rate to drop by 0.6 percentage points. In contrast, Regional Vic. saw employment fall by 0.1% and the labor force decrease by 0.3%, with unemployment declining by 0.2 percentage points. National employment projections from Jobs and Skills Australia released in May-25 offer additional perspective on prospective demand in Loddon. These five and ten-year forecasts have been compared to the local employment structure to project local growth trends. Nationally, employment is predicted to rise by 6.6% over five years and 13.7% over ten years, though rates vary widely by sector. Applying these sectoral forecasts to the employment distribution of Loddon suggests local jobs will grow by 4.8% over five years and 11.1% over ten years (note that this is a basic weighted extrapolation for demonstration purposes and does not incorporate local population projections).
Frequently Asked Questions - Employment
Median household income in Loddon is $1,027 a week (about $53,000 a year), with median personal income at $551 a week. ATO records put median taxable income at $44,393 a year against an average of $52,167. Household income is from the 2021 Census; taxable income is from ATO Taxation Statistics for the latest financial year available, indexed forward using the ABS Wage Price Index.
Detail
The most recent postcode-level ATO statistics compiled by AreaSearch for the 2023 financial year show that incomes in the Loddon SA2 sit below the national average, with a median of $44,393 and an average of $52,167. This is lower than Regional Vic., where the median is $50,954 and the average is $62,728. Factoring in Wage Price Index growth of 9.62% since the 2023 financial year, current estimates would stand at approximately $48,664 (median) and $57,185 (average) as of March 2026. Based on 2021 Census data, household, family, and individual incomes in Loddon are positioned between the 4th and 6th percentiles nationally.
Looking at income brackets, the $800 - 1,499 range is the most common, accounting for 28.9% of residents (2,093 people), which differs from wider regional trends where the $1,500 - 2,999 bracket is largest at 30.3%. Although housing costs are low, with residents keeping 92.6% of their income, total disposable income sits at only the 11th percentile nationally.
Frequently Asked Questions - Income
Loddon had 2,869 occupied dwellings at the 2021 Census, 96% detached houses and 0% apartments. 27% are owned with a mortgage, 13% rented and 60% owned outright. At that Census the median rent was $170 a week and the median mortgage repayment $867 a month. Rent absorbs 16.6% of household income here and mortgage repayments 19.5%. Dwelling stock, tenure and housing costs are 2021 Census measures — the only source that counts dwellings at this boundary size.
Detail
Residential structures in Loddon at the time of the latest Census consisted of 95.6% houses and 4.4% other dwelling types (such as semi-detached properties, apartments, and alternative housing), compared to 90.1% houses and 9.9% other dwellings in Regional Vic. Home ownership in Loddon was considerably higher than the regional average at 60.2%, with the remaining properties being mortgaged (26.6%) or rented (13.2%). The median monthly mortgage payment of $867 was much lower than the Regional Vic. average of $1,430, while the median weekly rent was $170 compared to the regional figure of $285.
On a national level, Loddon's mortgage payments are significantly below the Australian average of $1,863, and weekly rents are well below the national median of $375.
Frequently Asked Questions - Housing
Loddon counted 2,869 households at the 2021 Census, averaging 2.2 people each. 22% are couples with children, fewer than in 82% of areas nationally, against 33% couples without children. 34% of households are people living alone, and families average 2.2 children. Household and family composition is measured only by the Census, so these are 2021 figures.
Detail
Family households represent the clear majority at 63.5% of all households, consisting of couples with children (21.7%), couples without children (32.8%), and single-parent households (7.8%). Non-family households make up the remaining 36.5%, consisting of single-person households at 34.0% and group households at 2.7%. The median household size of 2.2 individuals is below the Regional Vic. average of 2.4.
Frequently Asked Questions - Households
14.6% of adults in Loddon hold a university qualification, including 10.8% with a bachelor degree and 1.5% with postgraduate qualifications, lower than 75% of areas nationally. A further 29.9% hold a vocational qualification. 9 schools serve the area, with 862 enrolment places and an average ICSEA of 965 against a national benchmark of 1,000. Qualifications come from the 2021 Census; school enrolments, ICSEA and results come from ACARA's current release.
Detail
Educational attainment in the area presents some difficulties, with university graduation rates (14.6%) falling far below the VIC average of 33.4%. This highlights both a regional challenge and an opening for focused educational policies. Bachelor degrees are the most common higher qualification at 10.8%, followed by graduate diplomas (2.3%) and postgraduate degrees (1.5%). Vocational and technical training is highly prevalent, with 40.1% of residents aged 15+ holding trade credentials, consisting of advanced diplomas (10.2%) and certificates (29.9%). Participation in schooling is remarkably high, with 28.1% of local residents actively enrolled in education.
This comprises 11.2% in primary schools, 9.7% in secondary schools, and 2.1% studying at the tertiary level.
Frequently Asked Questions - Education
Schools Detail
Getting around Loddon means driving: households keep an average of 1.8 vehicles, and scheduled services reach only a handful of stops. Service data is built from operators' published GTFS timetables; vehicle ownership is from the 2021 Census.
Detail
Analysis of transit options shows 33 operational transport stops within Loddon, which include train services. These stops are connected to 7 distinct routes that run a combined total of 61 passenger trips per week. Transport access is classified as limited, with residents living an average of 600 meters from the nearest stop. Because the region is mainly residential, most workers commute out of the area; driving remains the primary travel method at 85%, while 12% of commuters walk. Average vehicle ownership is 1.8 cars per household, which is higher than the regional average.
About 22.2% of residents work from home (based on the 2021 Census, which may reflect COVID-19 pandemic settings). Services run at an average frequency of 8 trips per day across all routes, which translates to roughly 1 weekly trip per transport stop.
Frequently Asked Questions - Transport
Transport Stops Detail
58.5% of residents in Loddon report no long-term health condition, a less healthy profile than 77% of areas nationally. 7.5% need daily assistance with core activities, and 45.8% hold private health cover. The standardised death rate runs at 5.6 per 1,000 residents. Health conditions, assistance needs and insurance are 2021 Census measures; the death rate comes from current ABS releases.
Detail
Analysis of health metrics shows significant difficulties in Loddon, based on AreaSearch's evaluation of mortality rates and chronic illnesses, which are prevalent across both younger and older demographics. Additionally, the rate of private health insurance is exceptionally low at roughly 46% of the population (~3,317 people), compared to 50.5% in Regional Vic. and a national average of 55.7%. Arthritis and mental health challenges are the most frequently recorded medical conditions, affecting 12.8% and 9.3% of residents, respectively. Meanwhile, 58.5% of the population reported no chronic health conditions, compared to 63.4% in Regional Vic.
The working-age population faces notable health difficulties with higher rates of chronic illness. The area has 31.4% of its population aged 65 and over (2,273 people), which exceeds the 23.9% proportion in Regional Vic., with national health risk rankings even higher than the general population.
Frequently Asked Questions - Health
Loddon is largely Australian-born, at 90.4% of residents, with 3.6% speaking a language other than English at home. The largest reported ancestries are English (34.1%) and Australian (32.0%). Ancestry, language and country of birth are counted only by the Census, so these are 2021 figures.
Detail
Cultural diversity in Loddon is lower than average, with citizens making up 86.5% of the population, 90.4% of residents born in Australia, and 96.4% speaking only English at home. Christianity is the primary religion, followed by 52.5% of residents in Loddon, compared to 47.3% across Regional Vic. Looking at parent countries of birth, the three largest ancestry groups in Loddon are English at 34.1% of the population, Australian at 32.0%, and Scottish at 10.5%. There are also distinct differences in other ethnic backgrounds: Irish ancestry is overrepresented at 9.5% of Loddon (compared to 9.7% regionally), Filipino stands at 1.3% (compared to 0.6% regionally), and Dutch represents 1.3% (compared to 1.7% regionally).
Frequently Asked Questions - Diversity
The median resident of Loddon is 52, older than 94% of areas nationally. 17.4% of residents are aged 15 to 34. Age cohorts are not raw Census counts: the Census split is re-based to the latest ABS population estimates and state projections.
Detail
The median age of 52 years in Loddon is much higher than the Regional Vic. average of 43 and the national average of 38. The 65 - 74 age bracket is highly over-represented (17.5% of the local population) compared to the regional average, whereas the 25 - 34 age bracket is under-represented (7.8%). This concentration of residents aged 65 - 74 is significantly higher than the national figure of 9.4%. Since 2021, the 75 to 84 cohort has increased from 8.4% to 10.1% of the population, and the 15 to 24 cohort grew from 8.4% to 9.7%.
On the other hand, the 55 to 64 group shrank from 17.7% to 15.4%, and the 45 to 54 group declined from 12.5% to 11.2%. Population forecasts for 2041 point to major demographic shifts in Loddon, with the 85+ cohort showing the strongest projected growth at -30%, adding -82 residents to total 193, while declines are projected for the 85+ and 0 to 4 age groups.
Frequently Asked Questions - Age
Data & MethodBoundaries, Sources & Method for Loddon
9 of 14 data sections on this page were updated within the last 12 months — the newest current to Aug 2026.
Everything is aggregated to the SA2 boundary shown above, on a 2021 Census baseline. Only 3 sections — housing, households and cultural diversity — still wait on the 2026 Census.
The ledger — source, cycle and currency by section
| Section | Source & update cycle | Currency |
|---|---|---|
| Updated within the last 12 months 9 sections | ||
| Population | ABS, GNAF, Geoscience Australia Annual (ABS ERP) | May 2026 3 months ago headline measures · 2021 Census baseline |
| Re-based to the ABS Estimated Resident Population (June 2025 release) and updated with new dwellings from GNAF address data. Current to May 2026, with the 2021 Census supplying the small-area baseline. | ||
| Age profile | ABS, Geoscience Australia, State governments Annual | May 2026 3 months ago headline measures · 2021 Census baseline |
| Age cohorts are re-based to the latest ABS population estimates and state projections, current to May 2026. Each cohort is held as a Census baseline and a current estimate. | ||
| Development & approvals | ABS, GNAF Monthly (ABS approvals) | Jun 2026 2 months ago headline measures · May 2026 baseline |
| Property sales & rents | Valuer General, Rental Board, ABS Weekly sales, quarterly rents | Aug 2026 this month all 21 measures |
| Sales from the state Valuer General register, refreshed weekly, and rents from quarterly rental bond lodgements. Both are read live each time this page loads, current to Aug 2026. | ||
| Infrastructure projects | Infrastructure Australia, State agencies, Local governments Daily | May 2026 3 months ago all 1 projects tracked here |
| Project pipeline maintained continuously from Infrastructure Australia, state agencies, local government and public announcements. Records are added and revised daily; this area was last updated May 2026. | ||
| Employment | ABS, DEWR, JSA Quarterly (ABS SALM) | Mar 2026 5 months ago headline measures · 2021 Census baseline |
| Unemployment and labour force from ABS Small Area Labour Markets, current to Mar 2026. The growth outlook applies Department of Employment (now Jobs and Skills Australia) forecasts for all 19 industry divisions to the local industry mix, so it measures sector composition rather than local expansion and makes no allowance for population growth. Job demand comes from the same agency via its Internet Vacancy Index; industry and occupation structure from the 2021 Census. | ||
| Education | ABS, ACARA Annual (ACARA) | Aug 2026 this month headline measures · 2021 Census baseline |
| Transport | ABS, State Transport Departments Each timetable release | Jul 2026 last month headline measures · 2021 Census baseline |
| Services & amenities | Provider directories, ACECQA Continuous | Jul 2026 last month all 14 measures |
| Annual and financial-year sources 2 sections | ||
| Income | ABS, ATO Annual (ATO) | FY 2023 3 years ago headline measures · 2021 Census baseline |
| ATO taxable income statistics for FY 2023, indexed forward using the Wage Price Index. Census household income provides the distribution detail. | ||
| Health | ABS, ATO Annual | 2024 2 years ago headline measures · 2021 Census baseline |
| Census-measured — next update: 2026 Census 3 sections No more current small-area source exists for these, so they are labelled as Census-measured rather than implied to be current. | ||
| Housing | ABS 5-yearly (Census) | 2021 Census next update 2026 all 30 measures |
| Households | ABS 5-yearly (Census) | 2021 Census next update 2026 all 18 measures |
| Cultural diversity | ABS, Geoscience Australia 5-yearly (Census) | 2021 Census next update 2026 all 44 measures |
"Currency" is the most recent release feeding that section. Where the Census supplies the structural baseline underneath a current headline figure, the row says so.
How the numbers are built
Population
The Census provides the small-area baseline, aggregated from mesh blocks to this boundary. It is then re-based to the ABS Estimated Resident Population (June 2025 release), and new dwellings built since Census night are counted from address data — 161 validated new addresses here. The headline figure is therefore a current estimate for May 2026, not a 2021 count (7,289 at the 2021 Census → 7,244 now). Annual growth rates are compound (CAGR), not simple averages.
Age profile
Cohort shares are not raw Census counts. Every cohort is held as a pair — the Census baseline and a current estimate — and the split is re-based using ERP and state population projections, current to May 2026. Median age is the Census median plus modelled change since. Charts that show both are labelled "2021 Census vs Current Estimate".
Property sales
Sourced from the state valuation authority's sales register — current, not Census, and refreshed weekly. Medians are calculated from settled transactions in the period shown; periods with very low transaction counts are flagged or suppressed, because a handful of sales can move a median substantially.
Rents
Derived from state rental bond lodgement data, by dwelling type and bedroom count. Bonds are lodged at the start of a new tenancy, so this reflects new lettings, not the whole rented stock.
Development & infrastructure
Building approvals come from current ABS releases; development applications are collected from council and state planning portals; the infrastructure pipeline is compiled from Infrastructure Australia and local government sources. Applications are matched to this boundary by address or coordinates, so very recent lodgements may not yet appear.
Employment & income
Industry and occupation structure comes from the Census, but the headline labour-market indicators do not. Unemployment and labour force are derived from ABS Small Area Labour Markets (quarterly). The employment outlook applies Department of Employment forecasts for all 19 industry divisions to this area's own industry mix (the agency is now Jobs and Skills Australia), as does the Internet Vacancy Index used for job demand. Because it is weighted on industry composition alone, that outlook carries no allowance for local population growth — in fast-growing areas the real rise in local jobs will typically be higher. Income combines Census household income with ATO taxable-income statistics for FY 2023, indexed forward using the Wage Price Index.
Education, transport & amenities
School enrolments, ICSEA and performance come from ACARA's current release, not the Census. Public transport stops and service frequency are derived from GTFS timetable feeds published by state transport departments. Services and amenities are proximity and count scores built from provider directories, refreshed on their own cycle. The Census contributes only the travel-to-work and qualification measures.
Rankings and benchmarks. Where we rank this area, the comparison set is every area of the same boundary type — suburbs against suburbs, SA2s against SA2s. Benchmarks compare this area against its greater capital city region and the national figure for the same measure and period.
Limits worth knowing. Small areas carry larger error margins, and the ABS introduces small random adjustments to Census counts to protect confidentiality — so totals may not sum exactly. Estimates re-based from regional data describe the area's expected trajectory, not a direct count of it. Figures are indicative for research and are not financial, planning or valuation advice.
Cross-check us. The Census baseline for this boundary is at ABS 2021 Census QuickStats (202031033). QuickStats reports 2021 only — the figures on this page are more current wherever the ledger shows a later date.