I can post the data if you like. Shall I just put it in a message?

I am thinking I can never have the banks show up with zero because there would be nothing there to count. When an entry has no numbers, it is not even in my data. The only way I could get zeroes in this case is to use a AGTABLE of some sort with all the banks. I would then join my results with that table to create the zero entries.