Rita Crundwell’s apology to the city of Dixon, her family and friends was too little, too late, to alter her fate.

On Thursday, federal Judge Philip Reinhard sentenced Crundwell to 19 years, 7 months in a federal prison for committing wire fraud as she stole $53.7 million from Dixon city accounts between 1991 and 2012.

That sentence is 98 percent of the maximum 20 years that the judge could have imposed.