-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, KJtJbX2oQ2RmAinLPtgh1NKnkmogCTZQJ4RGaN4XhZH/M6Tiip+S+lmXdCSF90KS cnrigzfXfWyYsGAhgAMZQA== 0000036029-99-000012.txt : 19990811 0000036029-99-000012.hdr.sgml : 19990811 ACCESSION NUMBER: 0000036029-99-000012 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 19990630 FILED AS OF DATE: 19990810 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIRST FINANCIAL BANKSHARES INC CENTRAL INDEX KEY: 0000036029 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 750944023 STATE OF INCORPORATION: TX FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-Q SEC ACT: SEC FILE NUMBER: 000-07674 FILM NUMBER: 99681920 BUSINESS ADDRESS: STREET 1: 400 PINE STREET STREET 2: STE 600 CITY: ABILENE STATE: TX ZIP: 79601-0701 BUSINESS PHONE: 9156757155 10-Q 1 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 For the Quarter Ended Commission File Number June 30, 1999 0-7674 ------------- ------ FIRST FINANCIAL BANKSHARES, INC. (Exact Name of Registrant as Specified in its Charter) Texas 75-0944023 ----- ---------- (State of Incorporation) (I.R.S. Employer Identification No.) 400 Pine Street, Abilene, Texas 79601 - ------------------------------- ----- (Address of Executive Offices) (Zip Code) Registrant's Telephone Number (915) 627-7155 -------------- Securities Registered Pursuant to Section 12(b) of the Act: ----------------------------------------------------------- None Securities Registered Pursuant to Section 12(g) of the Act: ----------------------------------------------------------- Common Stock, Par Value $10.00 Per Share ---------------------------------------- (Title of Class) Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes X . No . --- --- There were 9,963,054 shares of common stock outstanding as of July 26, 1999. TABLE OF CONTENTS PART I FINANCIAL INFORMATION Item Page ---- ---- 1. Consolidated Financial Statements and Notes to Consolidated Financial Statements 4 2. Management's Discussion and Analysis of Financial Condition and Results of Operations 10 Signatures 12 -2- PART I FINANCIAL INFORMATION Item 1. Consolidated Financial Statements. The consolidated balance sheets of First Financial Bankshares, Inc. at June 30, 1999 and 1998, and December 31, 1998, and the consolidated statements of earnings and comprehensive earnings for the three and six months ended June 30, 1999 and 1998, and the changes in shareholders' equity for the year ended December 31, 1998 and six months ended June 30, 1999, and the cash flows for the six months ended June 30, 1999 and 1998, follow on pages 4 through 8. -3- FIRST FINANCIAL BANKSHARES, INC. AND SUBSIDIARIES CONSOLIDATED BALANCE SHEETS
June 30, ---------------------------------------- 1999 1998 December 31, (Unaudited) (Unaudited) 1998 ------------------ ------------------- ------------------- ASSETS Cash and due from banks $ 73,661,442 $ 79,719,074 $ 84,237,577 Interest-bearing deposits in banks 204,001 203,784 203,911 Federal funds sold 95,170,912 96,861,729 116,091,417 Investment securities: Securities held to maturity (approximate market value of $426,988,041 and $414,057,321 at June 30, 1999 and 1998, and $419,252,100 at December 31, 1998) 431,001,752 411,220,790 414,302,781 Securities available for sale, at approximate market value 215,378,018 191,263,332 211,588,088 ------------------ ------------------- ------------------- Total investment securities 646,379,770 602,484,122 625,890,869 Loans 769,581,429 760,853,537 779,544,287 Less: Allowance for loan losses 9,221,191 9,817,042 8,988,320 ------------------ ------------------- ------------------- Net loans 760,360,238 751,036,495 770,555,967 Bank premises and equipment - net 41,515,926 43,479,304 42,927,162 Goodwill 20,977,354 22,562,680 21,798,277 Other assets 26,224,021 24,584,607 24,941,695 ------------------ ------------------- ------------------- TOTAL ASSETS $ 1,664,493,664 $ 1,620,931,795 $ 1,686,646,875 ================== =================== =================== LIABILITIES Noninterest-bearing deposits $ 317,357,809 $ 319,933,690 $ 334,719,132 Interest-bearing demand deposits 424,195,313 422,508,865 451,811,746 Interest-bearing time deposits 734,429,230 703,068,372 718,324,962 ------------------ ------------------- ------------------- Total deposits 1,475,982,352 1,445,510,927 1,504,855,840 Dividends payable 2,739,548 2,382,342 2,736,689 Other short-term borrowings 4,607,868 1,120,000 516,958 Other liabilities 7,868,599 10,250,526 9,088,130 ------------------ ------------------- ------------------- Total liabilities 1,491,198,367 1,459,263,795 1,517,197,617 ------------------ ------------------- ------------------- SHAREHOLDERS' EQUITY Capital stock - $10 par value; 20,000,000 shares authorized 99,619,810 90,372,880 99,526,830 Capital surplus 60,411,109 36,355,759 60,375,373 Retained earnings 15,136,712 34,401,866 8,015,303 Unrealized gain (loss) on investment securities available for sale (1,872,334) 537,495 1,531,752 ------------------ ------------------- ------------------- Total shareholders' equity 173,295,297 161,668,000 169,449,258 ------------------ ------------------- ------------------- TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY $ 1,664,493,664 $ 1,620,931,795 $ 1,686,646,875 ================== =================== =================== See notes to consolidated financial statements.
-4- FIRST FINANCIAL BANKSHARES, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF EARNINGS - (UNAUDITED)
Three Months Ended Six Months Ended June 30, June 30, ------------------------------------- ------------------------------------- 1999 1998 1999 1998 ----------------- ------------------ ------------------ ----------------- INTEREST INCOME Loans, including fees $ 16,755,126 $ 17,684,612 $ 33,671,257 $ 34,908,161 Investment income - taxable 7,969,941 8,603,295 15,879,335 17,441,136 Investment income - tax exempt 1,135,561 691,119 2,242,598 1,243,100 Interest on interest bearing deposits 2,851 2,913 5,669 7,919 Interest on federal funds sold and other 1,275,462 1,088,602 2,369,368 2,323,934 ----------------- ------------------ ------------------ ----------------- Total interest income 27,138,941 28,070,541 54,168,227 55,924,250 INTEREST EXPENSE Interest-bearing deposits 10,602,452 11,573,648 21,343,459 23,250,465 Short-term borrowings 32,722 45,281 38,221 126,698 ----------------- ------------------ ------------------ ----------------- Total interest expense 10,635,174 11,618,929 21,381,680 23,377,163 ----------------- ------------------ ------------------ ----------------- NET INTEREST INCOME 16,503,767 16,451,612 32,786,547 32,547,087 Provision for loan losses 308,000 283,000 778,000 434,500 ----------------- ------------------ ------------------ ----------------- NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 16,195,767 16,168,612 32,008,547 32,112,587 NONINTEREST INCOME Trust fees 1,262,114 1,199,306 2,500,409 2,402,129 Service fees on deposit accounts 3,287,215 2,915,915 6,410,584 5,618,302 Real estate mortgage fees 346,666 323,508 711,723 620,404 Net gain on securities transactions - 254 - 5,051 Other 1,281,536 998,450 2,740,278 2,187,565 ----------------- ------------------ ------------------ ----------------- Total noninterest income 6,177,531 5,437,433 12,362,994 10,833,451 NONINTEREST EXPENSE Salaries and employee benefits 6,763,138 6,661,772 13,515,907 13,286,787 Net occupancy 962,040 1,053,973 1,949,951 2,052,587 Equipment expense 1,026,816 1,008,732 2,035,044 1,994,629 Goodwill amortization 408,546 413,361 820,922 826,720 Other 3,798,224 3,750,985 7,729,768 7,646,985 ----------------- ------------------ ------------------ ----------------- Total noninterest expense 12,958,764 12,888,823 26,051,592 25,807,708 ----------------- ------------------ ------------------ ----------------- EARNINGS BEFORE INCOME TAXES 9,414,534 8,717,222 18,319,949 17,138,330 Provision for income taxes 2,942,162 2,843,832 5,721,037 5,638,464 ----------------- ------------------ ------------------ ----------------- NET EARNINGS $ 6,472,372 $ 5,873,390 $ 12,598,912 $ 11,499,866 ================= ================== ================== ================= BASIC EARNINGS PER SHARE $ 0.65 $ 0.59 $ 1.27 $ 1.16 EARNINGS PER SHARE, ASSUMING DILUTION $ 0.65 $ 0.59 $ 1.26 $ 1.15 DIVIDENDS PER SHARE $ 0.275 $ 0.25 $ 0.55 $ 0.48 See notes to consolidated financial statements.
-5- FIRST FINANCIAL BANKSHARES, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF COMPREHENSIVE EARNINGS - (UNAUDITED)
Three Months Ended Six Months Ended June 30, June 30, ------------------------------------- ------------------------------------- 1999 1998 1999 1998 ----------------- ------------------ ------------------ ----------------- NET EARNINGS $ 6,472,372 $ 5,873,390 $ 12,598,912 $ 11,499,866 OTHER ITEMS OF COMPREHENSIVE EARNINGS Change in unrealized gain (loss) on investment securities available for sale, before tax (2,684,140) 131,937 (5,237,055) 133,898 Reclassification adjustment for realized gains on investment securities included in net earnings - (254) - (5,051) ----------------- ------------------ ------------------ ----------------- Total other items of comprehensive earnings (2,684,140) 131,683 (5,237,055) 128,847 ----------------- ------------------ ------------------ ----------------- OTHER COMPREHENSIVE EARNINGS, BEFORE TAX 3,788,232 6,005,073 7,361,857 11,628,713 Income tax (benefit) expense related to other items of comprehensive earnings (939,449) 46,089 (1,832,969) 45,096 ----------------- ------------------ ------------------ ----------------- COMPREHENSIVE EARNINGS $ 4,727,681 $ 5,958,984 $ 9,194,826 $ 11,583,617 ================= ================== ================== ================= See notes to consolidated financial statements.
-6- FIRST FINANCIAL BANKSHARES, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY
Unrealized Gain (Loss) on Investment Securities Total Capital Stock Capital Retained Available Shareholders' --------------------------- Shares Amount Surplus Earnings For Sale Equity --------- -------------- -------------- ---------------- -------------- ---------------- Balances at December 31, 1997 9,025,852 $ 90,258,520 $ 36,595,698 $ 27,203,391 $ 403,597 $ 154,461,206 Net earnings - - - 23,253,939 - 23,253,939 Stock issuances 23,257 232,570 60,857 - - 293,427 Cash dividends declared - - - (9,687,469) - (9,687,469) Stock dividend, 10% 903,574 9,035,740 23,718,818 (32,754,558) - - Change in unrealized gain (loss) - - - - 1,128,155 1,128,155 --------- -------------- -------------- ---------------- -------------- ---------------- Balances at December 31, 1998 9,952,683 99,526,830 60,375,373 8,015,303 1,531,752 169,449,258 Net earnings - - - 12,598,912 - 12,598,912 Stock issuances 9,298 92,980 35,736 - - 128,716 Cash dividends declared - - - (5,477,503) - (5,477,503) Change in unrealized gain (loss) - - - - (3,404,086) (3,404,086) --------- -------------- -------------- ---------------- -------------- ---------------- Balances at June 30,1999 (unaudited) 9,961,981 $ 99,619,810 $ 60,411,109 $ 15,136,712 $ (1,872,334) $ 173,295,297 ========= ============== ============== ================ ============== ================ See notes to consolidated financial statements.
-7- FIRST FINANCIAL BANKSHARES, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF CASH FLOWS - (UNAUDITED)
Six Months Ended June 30, --------------------------------- 1999 1998 -------------- -------------- CASH FLOWS FROM OPERATING ACTIVITIES Net earnings $ 12,598,912 $ 11,499,866 Adjustments to reconcile net earnings to net cash provided by operating activities: Depreciation and amortization 2,983,454 3,006,932 Provision for loan losses 778,000 434,500 Premium amortization, net of discount accretion 1,359,308 1,268,470 Gain on sale of assets (227,009) (1,643) Deferred federal income tax expense (benefit) 71,289 (366,547) Decrease in other assets 853,598 292,314 (Decrease) increase in other liabilities (1,219,531) 3,273,543 -------------- -------------- Total adjustments 4,599,108 7,907,569 -------------- -------------- Net cash provided by operating activities 17,198,020 19,407,435 CASH FLOWS FROM INVESTING ACTIVITIES Net(increase) decrease in interest-bearing deposits in banks (90) 194,887 Proceeds from sale of securities available for sale - 3,141,319 Proceeds from maturity of securities available for sale 23,183,580 92,725,401 Proceeds from maturity of securities held to maturity 67,025,072 125,812,883 Purchase of securities available for sale (32,696,733) (105,498,247) Purchase of securities held to maturity (84,597,183) (103,647,784) Net decrease (increase) in loans 9,262,515 (18,679,663) Capital expenditures (1,690,550) (1,837,561) Proceeds from sale of assets 947,235 180,487 -------------- -------------- Net cash used in investing activities (18,566,154) (7,608,278) CASH FLOWS FROM FINANCING ACTIVITIES Net decrease in noninterest-bearing deposits (17,361,323) (4,226,441) Net decrease in interest-bearing deposits (11,512,165) (38,971,361) Net increase (decrease) in other short-term borrowings 4,090,910 (3,580,000) Proceeds from stock issuances 128,716 119,616 Dividends paid (5,474,644) (4,327,143) -------------- -------------- Net cash used in financing activities (30,128,506) (50,985,329) -------------- -------------- Net decrease in cash and cash equivalents (31,496,640) (39,186,172) CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR 200,328,994 215,766,975 -------------- -------------- CASH AND CASH EQUIVALENTS AT END OF PERIOD $ 168,832,354 $ 176,580,803 ============== ============== SUPPLEMENTAL INFORMATION AND NONCASH TRANSACTIONS Interest paid $ 21,785,532 $ 22,979,865 Federal income tax paid 6,085,614 5,586,163 Assets acquired through foreclosure 260,421 32,000 See notes to consolidated financial statements.
-8- FIRST FINANCIAL BANKSHARES, INC. AND SUBSIDIARIES NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED) Note 1 - Basis of Presentation In the opinion of management, the consolidated financial statements reflect all adjustments necessary for a fair presentation of the Company's financial position and results of operation. All adjustments were of a normal recurring nature. However, the results of operations for the six months ended June 30, 1999 are not necessarily indicative of the results to be expected for the year ended December 31, 1999. The Company has procedures to monitor market risk and has determined that no material changes in market risk have occurred since December 31, 1998. Note 2 - Earnings Per Share Basic earnings per common share is computed by dividing net income available to common shareholders by the weighted average number of shares outstanding during the period. In computing diluted earnings per common share for the quarters and six-month periods ended June 30, 1999 and 1998, the Company assumes that all outstanding options to purchase common stock have been exercised at the beginning of the year (or time of issuance, if later). The dilutive effect of the outstanding options is reflected by application of the treasury stock method, whereby the proceeds from the exercised options are assumed to be used to purchase common stock at the average market price during the respective period. The weighted average common shares outstanding used in computing basic earnings per common share for the quarters ended June 30, 1999 and 1998, was 9,958,492 and 9,939,463 shares, respectively. The weighted average common shares outstanding used in computing basic earnings per share for the six-month periods ended June 30, 1999 and 1998, was 9,956,156 and 9,936,042 shares, respectively. The weighted average common shares outstanding used in computing diluted earnings per common share for the quarters ended June 30, 1999 and 1998, was 9,997,221 and 9,997,230 shares, respectively. The weighted average common shares outstanding used in computing diluted earnings per common share for the six-month periods ended June 30, 1999 and 1998, was 9,998,669 and 9,992,921 shares, respectively. The Company's per share financial information has been adjusted to reflect the 10 percent stock dividend declared on October 27, 1998, payable on December 1, 1998 to shareholders of record on November 16, 1998. -9- Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations Operating Results - ----------------- For the six months ended June 30, 1999, the Company's net income amounted to $12.6 million, or $1.27 per basic share. For the same period last year, net income amounted to $11.5 million, or $1.16 per basic share. Net income for the second quarter 1999 totaled $6.5 million, or $0.65 per basic share, as compared to $5.9 million, or $0.59 per basic share, earned in the second quarter of 1998. Return on average assets and return on average equity for the six months ended June 30, 1999, amounted to 1.53 percent and 14.85 percent, respectively. The Company's return on average assets and return on average equity for the same period last year amounted to 1.44 percent and 14.75 percent, respectively. Net interest income on a tax-equivalent basis for the six months ended June 30, 1999, amounted to $33.9 million, up $1.0 million from the same period last year. Net interest income on a tax-equivalent basis for the second quarter of 1999 amounted to $17.1 million, an increase of $600 thousand over the second quarter of 1998. The improvement in net interest income resulted primarily from growth in average investment securities. The net interest margin was 4.52 percent through June 30, 1999, as compared to 4.54 percent for the same period last year. For the six months ended June 30, 1999, the provision for loan losses amounted to $778 thousand as compared to $435 thousand for the same period in 1998. For the second quarter of 1999, the provision for loan losses was $308 thousand, as compared to $283 thousand in the second quarter of 1998. Total noninterest income for the six months ended June 30, 1999, amounted to $12.4 million as compared to $10.8 million for the same period last year. Deposit service fees, sale of bank premises and Pulse fees were up $793 thousand, $217 thousand and $145 thousand, respectively, and were the primary factors contributing to the increase over the prior year. Noninterest income for the second quarter of 1999 totaled $6.2 million as compared to $5.4 million for the same period last year. Deposit service fees and miscellaneous recoveries were up $371 thousand and $166 thousand, respectively, and were the primary factors contributing to the increase over the same period last year. Noninterest expense for the first six months ended June 30, 1999, amounted to $26.1 million which was $244 thousand, or .09 percent above the 1998 first six months total of $25.8 million. Noninterest expense for the second quarter of 1999 amounted to $13.0 million, up slightly from the $12.9 million total in the second quarter last year. The Company's efficiency ratio was 56.36 percent for the first six months of 1999, down from 58.79 percent for the same period last year. Balance Sheet Review - -------------------- Total assets at June 30, 1999, amounted to $1.664 billion as compared to $1.687 billion at December 31, 1998, and $1.621 billion at June 30, 1998. The June 30, 1999, decline in total assets from the year-end 1998 balance reflects lower loan demand and a seasonal decrease in total deposits. The balance sheets presented reflect normal recurring adjustments and accruals. Loans at June 30, 1999, totaled $770 million as compared to $780 million at year-end 1998 and $761 million at June 30, 1998. Investment securities at June 30, 1999, totaled $646 million as compared to $626 million at year-end 1998 and $602 million at June 30, 1998. The net unrealized loss in the investment portfolio at June 30, 1999, amounted to $6.9 million. At June 30, 1999, the investment portfolio reflected an overall yield of 6.00 percent. Approximately $210 million, or 32 percent, of the portfolio matures within two years which protects the Company from signficant interest rate risk should interest rates move up. At June 30, 1999, the Company did not hold any CMOs that entail higher risks than standard mortgage-backed securities. Total investment securities at June 30, 1999, included structured notes with an amortized cost of $7.0 million and an approximate market value of $6.9 million. Total deposits at June 30, 1999, amounted to $1.476 billion as compared to $1.505 billion at year-end 1998 and $1.446 billion at June 30, 1998. The decrease from December 31, 1998, is considered temporary and not indicative of a long-term downward trend in total deposits. -10- Nonperforming assets at June 30, 1999, totaled $2.9 million, or .37 percent of loans and foreclosed assets, and were down $300 thousand from the December 31, 1998, amount. At June 30, 1999, the allowance for loan losses amounted to 397.1 percent of nonperforming loans. Management is not aware of any material classified credit not properly disclosed as nonperforming and considers the allowance for loan losses to be adequate. Liquidity and Capital - --------------------- The Company's consolidated statements of cash flows are presented on page 8 of this report. At June 30, 1999, the parent company had no debt outstanding under its $18 million line of credit with an unaffiliated financial institution. Total equity capital amounted to $173.3 million at June 30, 1999, which was up from $169.4 million at year-end 1998 and $161.7 million at June 30, 1998. The Company's risk-based capital and leverage ratios at June 30, 1999, were 17.02 percent and 9.35 percent, respectively. The second quarter 1999 cash dividend of $0.275 per share totaled $2.7 million and represented 42.3 percent of second quarter earnings. On July 27, 1999, the Company declared a $0.275 per share cash dividend payable October 1, 1999. Interest Rate Risk - ------------------ Interest rate risk results when the maturity or repricing intervals of interest-earning assets and interest-bearing liabilities are different. The Company's exposure to interest rate risk is managed primarily through the Company's strategy of selecting the types and terms of interest-earning assets and interest-bearing liabilities which generate favorable earnings, while limiting the potential negative effects of changes in market interest rates. The Company uses no off-balance-sheet financial instruments to manage interest rate risk. Each subsidiary bank has an asset/liability committee which monitors interest rate risk and compliance with investment policies. Interest-sensitivity gap and simulation analysis are among the ways that the subsidiary banks track interest rate risk. Since year-end 1998, there has been no material change in the Company's interest rate risk. Year 2000 - --------- The Company completed compliance testing of its core IT systems during the quarter ended December 31, 1998. The Company believes that the results of its tests were successful and that these results showed that these core IT systems are Year 2000 compliant. These results were reviewed and confirmed by an independent third party that is competent in Year 2000 compliance testing and hired by the Company. The Company believes that, based on these results and the warranties provided by the third parties that licensed these core IT systems to the Company, these core IT systems are Year 2000 compliant. The Company has also completed its Year 2000 compliance assessment of its other IT systems, which includes automatic teller machine software systems. These other IT systems are also licensed from third parties and these third parties have assured the Company that their systems are Year 2000 compliant. The Company has developed contingency plans for Year 2000 noncompliance. However, there can be no assurance that the Company's contingency plans will prevent the Company from suffering a material adverse effect on its operations, financial condition or results of operations if any of its core IT systems, other IT systems or embedded technology or any systems of a governmental agency, a significant customer or significant vendor prove not to be Year 2000 compliant. -11- SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized. FIRST FINANCIAL BANKSHARES, INC. Date: August 10, 1999 By:/S/CURTIS R. HARVEY --------------- -------------------------- Curtis R. Harvey Executive Vice President and Chief Financial Officer Date: August 10, 1999 By:/S/SANDY LESTER --------------- -------------------------- Sandy Lester Secretary-Treasurer -12- EX-27 2 FDS --
9 1,000 6-MOS JUN-30-1999 JUN-30-1999 73,661 204 95,171 0 215,378 431,002 426,988 769,581 9,221 1,664,494 1,475,982 4,608 10,609 0 0 0 99,620 73,675 1,664,494 33,671 18,122 2,375 54,168 21,343 21,382 32,786 778 0 26,052 18,320 12,599 0 0 12,599 1.27 1.26 4.50 2,191 131 0 427 8,994 831 750 9,221 9,221 0 0
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