-----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, OzfPu0UC4v8d23cVS/zZFHVuvYRabDxu9U2NVKsiO4HDjBCW/jTpaLaBqwHPpd5R K8vflMZufm0Gpt06KBn1VA== 0000716605-97-000008.txt : 19970514 0000716605-97-000008.hdr.sgml : 19970514 ACCESSION NUMBER: 0000716605-97-000008 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 19970331 FILED AS OF DATE: 19970513 SROS: NONE FILER: COMPANY DATA: COMPANY CONFORMED NAME: PENNS WOODS BANCORP INC CENTRAL INDEX KEY: 0000716605 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 232226454 STATE OF INCORPORATION: PA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 000-17077 FILM NUMBER: 97601606 BUSINESS ADDRESS: STREET 1: 115 S MAIN ST CITY: JERSEY SHORE STATE: PA ZIP: 17740 BUSINESS PHONE: 7173982213 MAIL ADDRESS: STREET 1: 300 MARKET ST CITY: WILLIAMSPORT STATE: PA ZIP: 17701 10-Q 1 secQ397 FORM 10-Q QUARTERLY REPORT SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q QUARTERLY REPORT UNDER SECTION 10 OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarter Ended March 31, 1997 Commission file number 0-17077 PENNS WOODS BANCORP, INC. Incorporated in Pennsylvania 23-2226454 Main Office 115 South Main Street Jersey Shore, Pennsylvania, 1774 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 Registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. YES [ X ] NO[ ] On March 31, 1997 there were 1,277,298 shares of the Registrant's common stock outstanding. PART I FINANCIAL STATMENTS
PENNS WOODS BANCORP, INC. CONSOLIDATED BALANCE SHEET AT DATES INDICATED March 31, December 31, 1997 1996 -------------------------------- ASSETS: Cash and due from banks $8,403,194 $8,014,461 Investment securities available-for-sale 82,080,979 81,272,404 Investment Securities held-to-maturity 3,104,349 3,105,408 Loans, net of unearned discount 163,010,479 162,266,721 Allowance for loan losses (2,479,094) (2,413,021) Loans, net 160,531,385 159,853,700 Bank premises and equipment 3,614,704 3,614,924 Foreclosed assets held for sale 332,954 252,710 Accrued interest receivable 1,712,947 1,676,206 Other assets 2,284,508 1,934,280 -------------------------------- TOTAL ASSETS $262,065,020 $259,724,093 ================================ LIABILITIES: Demand Deposits $30,606,513 $28,956,182 Interest-bearing demand deposits 36,221,097 38,122,803 Savings deposits 45,209,001 45,381,900 Time deposits 99,973,888 90,555,626 -------------------------------- Total deposits $212,010,499 $203,016,511 Federal funds purchased 0 14,490,477 Securities sold under repurchase agreements 11,781,564 5,628,067 Accrued interest payable 837,936 884,096 Other Liabilities 2,825,379 2,148,305 Total liabilities -------------------------------- $227,455,378 $226,167,456 -------------------------------- SHAREHOLDERS' EQUITY: Common stock, par value $10 per share, 10,000,000 shares authorized; 1,277,298 shares issued and outstanding at March 31, 1997 and December 31, 1996 $12,772,980 $12,772,980 Additional paid-in capital 4,558,910 4,558,910 Retained earnings 15,499,810 13,873,040 Net unrealized gain (loss) on securities available for sale 1,777,942 2,351,707 -------------------------------- Total shareholders' equity $34,609,642 $33,556,637 -------------------------------- TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY $262,065,020 $259,724,093 ================================
PENNS WOODS BANCORP, INC. CONSOLIDATED STATEMENT OF INCOME FOR THE PERIODS INDICATED
THREE MONTHS THREE MONTHS QUARTER QUARTER ENDED ENDED ENDED ENDED Mach 31, 1997 March 31, 1996 March 31, 1997 March 31, 1996 ------------------------------------------------------------------ INTEREST INCOME: Interest and fees on loans $3,818,782 $3,640,106 $3,818,782 $3,640,106 Interest and dividends on investments: ------------------------------------------------------------------ Taxable interest 723,458 732,962 723,458 732,962 Nontaxable interest 437,110 264,245 437,110 264,245 Dividends 131,445 121,584 131,445 121,584 ------------------------------------------------------------------ Total interest and dividends on investments 1,292,013 1,118,791 1,292,013 1,118,791 Interest on Federal funds sold 0 22,789 0 22,789 ------------------------------------------------------------------ Total interest income 5,110,795 4,781,686 5,110,795 4,781,686 ------------------------------------------------------------------ INTEREST EXPENSE: Interest on deposits 1,885,012 1,897,288 1,885,012 1,897,288 Interest on Federal funds purchased 99,069 820 99,069 820 Interest on securities sold under repurchase agreements 97,746 71,734 97,746 71,734 Interest on other borrowings 0 0 0 0 ------------------------------------------------------------------ Total interest expense 2,081,827 1,969,842 2,081,827 1,969,842 ------------------------------------------------------------------ Net interest income 3,028,968 2,811,844 3,028,968 2,811,844 Provision for loan losses 60,000 42,000 60,000 42,000 ------------------------------------------------------------------ Net interest income after provision for loan losses 2,968,968 2,769,844 2,968,968 2,769,844 ------------------------------------------------------------------ OTHER OPERATING INCOME: Service charges 200,531 202,200 200,531 202,200 Securities gains 1,176,226 36,477 1,176,226 36,477 Other income 75,114 60,294 75,114 60,294 ------------------------------------------------------------------ Total other operating income 1,451,871 298,971 1,451,871 298,971 ------------------------------------------------------------------ OTHER OPERATING EXPENSES: Salaries and employee benefits 947,460 873,872 947,460 873,872 Occupancy expense, net 120,633 130,414 120,633 130,414 Furniture and equipment expense 149,235 128,123 149,235 128,123 Other expenses 558,046 627,653 558,046 627,653 ------------------------------------------------------------------ Total other operating expenses 1,775,374 1,760,062 1,775,374 1,760,062 ------------------------------------------------------------------ INCOME BEFORE TAXES 2,645,465 1,308,753 2,645,465 1,308,753 INCOME TAX PROVISION 699,370 326,325 699,370 326,325 ------------------------------------------------------------------ NET INCOME $1,946,095 $982,428 $1,946,095 $982,428 ================================================================== EARNINGS PER SHARE 1.52 0.77 1.52 0.77 ================================================================== TOTAL SHARES OUTSTANDING 1,277,298 1,271,522 1,277,298 1,271,522 ==================================================================
PENNS WOODS BANCORP, INC. CONSOLIDATED STATEMENT OF CHANGES IN SHAREHOLDERS' EQUITY FOR THE THREE MONTHS ENDED MARCH 31, 1997
UNREALIZED APPRECIATION ADDITIONAL (DEPRECIATION) ON TOTAL COMMON PAID-IN RETAINED SECURITIES SHAREHOLDERS' STOCK CAPITAL EARNINGS AVAILABLE-FOR-SALE EQUITY --------------------------------------------------------------------------------- Balance, December 31, 1996 $12,772,980 $4,558,910 $13,873,040 $2,351,707 $33,556,637 Net income for the three months ended March 31, 1997 1,946,095 1,946,095 Dividends declared and paid (319,325) (319,325) Net change in unrealized gain on marketable equity securities (573,765) (573,765) --------------------------------------------------------------------------------- Balance, March 31, 1997 $12,772,980 $4,558,910 $15,499,810 $1,777,942 $34,609,642 =================================================================================
PENNS WOODS BANCORP, INC. CONSOLIDATED STATEMENT OF CASH FLOWS FOR THE QUARTERS ENDED MARCH 31, 1997 AND MARCH 31, 1996
MARCH 31, MARCH 31, 1997 1996 -------------------------------- CASH FLOWS FROM OPERATING ACTIVITIES: Net Income $1,946,095 $982,427 Adjustments to reconcile net income to net cash provided by operating activities Depreciation 99,423 101,162 Provision for loan losses 60,000 42,000 Amortization of investment security premiums 5,871 4,607 Accretion of investment security discounts (39,317) (13,981) Securities gains (1,176,226) (36,477) Increase in all other assets (73,077) (964,233) Increase (decrease) in all other liabilities 612,598 844,565 -------------------------------- Net cash provided by operating activities 1,435,367 960,070 -------------------------------- CASH FLOWS FROM INVESTING ACTIVITIES: Purchase of securities available-for-sale (14,877,284) (10,658,639) Proceeds from sale of securities available-for-sale 14,384,169 644,559 Purchase of securities held-to-maturity 0 (493,895) Proceeds from calls and maturities of securities held-to-maturity 25,930 509,685 Net increase in loans (737,685) 2,317,549 Decrease in foreclosed assets (80,244) 290,093 Acquisition of bank premises and equipment (99,203) (124,162) -------------------------------- Net cash provided by (used in) investing activities (1,384,317) (7,514,810) -------------------------------- CASH FLOWS FROM FINANCING ACTIVITIES: Net increase in interest-bearing deposits 7,343,657 2,448,458 Net increase in noninterest-bearing deposits 1,650,331 (50,993) Net increase (decrease) in sec. sold under repurch. agree. 6,153,497 48,455 Increase (decrease) in other borrowed funds (14,490,477) 0 Dividends paid (319,325) (279,736) Stock options exercised 0 1,261 -------------------------------- Net cash (used in) provided by financing activities 337,683 2,167,445 -------------------------------- NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS 388,733 (4,387,295) CASH AND CASH EQUIVALENTS, BEGINNING 8,014,461 14,853,649 -------------------------------- CASH AND CASH EQUIVALENTS, ENDING $8,403,194 $10,466,354 ================================
The interim financial statements are unaudited but, in the opinion of management, reflect all adjustments necessary for the fair presentation of results for such periods. The results of operations for any interim period are not necessarily indicative of results for the full year. These financial statements should be read in conjunction with financial statements and notes thereto contained in the Company's annual report for the year ended December 31, 1996. MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS EARNINGS SUMMARY Interest Income For the three months ended March 31, 1997, total interest income increased by $329,109 or 6.88% compared to the same period in 1996. This increase is due to an increase of $178,676 in interest and fees on loans, an increase in total interest and dividends on investments of $173,222 and a $22,789 decrease in income on federal funds sold. The increase in interest and fees on loans of $178,676 was primarily due to premiums received from the fourth quarter, 1996 sales of student loans, fees and late charges collected and also due to an increase in the loan volume during the first three months, ended March 31, 1997. The decrease in interest on federal funds sold of $22,789 was due to a decrease in the amount of funds sold. Interest and dividends on investments increased primarily due to an increase in nontaxable interest of $172,865 and a slight decrease in taxable interest on investments of $9,504. In addition, there was an increase in dividend income of $9,861 due to an increase of holdings in the equity portfolio. Interest Expense For the three months ended March 31, 1997 total interest expense increased $111,985 or 5.68% over the same period in 1996. The increase in interest expense can be attributed to the interest paid on Federal funds purchased during the first two months of the quarter. In addition, there was an increase in the amount of interest paid on securities sold under repurchase agreements due to the increase in volume of these accounts. Provision for Loan Losses The provision for losses for the three months ended March 31, 1997 increased $18,000 from the corresponding period in 1996. This increase reflects an anticipated rise in consumer loan losses throughout the remainder of the year. As of the first quarter of 1997, recoveries exceeded charge offs by $6,000 compared to the first quarter of 1996 when recoveries exceeded charge offs by $24,000. Provisions to date total $60,000 as compared to provisions through March 31, 1996 of $42,000. Senior Management utilizes several different methods to determine the adequacy of the loan loss allowance and to establish quarterly provisions. Among these methods is the analysis of the most recent five year average loss history, the coverage of non-performing loans provided by the allowance, an estimate of potential loss in homogeneous pools of loans and the internal credit rating assigned to watch any problem loans. In addition to the preceding, senior management also reviews macro portfolio risks such as the absence of concentrations, absence of foreign credit exposure and growth objectives in further tuning the allowance and provisions. The ratio of non-accruing loans and those accruing but delinquent more than 90 days (collectively called "non-performing" loans) to the allowance for loan losses stood at .37 times at March 31, 1997 an improvement in coverage from the .42 times at December 31, 1996. The decrease in non-performing loans occurred throughout the entire portfolio. Based upon this analysis as well as the others noted above, senior management has concluded that the allowance for loan losses is adequate. Other Operating Income Other operating income for the three months ended March 31, 1997 increased $1,152,900. This increase is due to the net effect of a slight decrease in service charges collected of $1,669, an increase in securities gains realized of $1,139,749 and an increase in other income of $14,820. The decrease in service charges was a result of a decrease in service charges collected on deposit accounts. A gain taken on the sale of a foreclosed asset during the first quarter of 1997 was the contributing factor to the increase in other income. The primary increase in other operating income was due to the increase in securities gains recognized of $1,139,749. Realized gains were on sales of bonds that were sold in effort to better match the Bank's rate-sensitive assets and rate-sensitive liabilities given the current economic conditions. In addition, gains were realized on partial sales of equity securities that have been in the portfolio long-term that had reached what management had determined to be their maximum potential. Other Operating Expense For the three months ended March 31, 1997 total other operating expenses increased $15,312 or .87% over the same period in 1996. Employee salaries and benefits increased $73,588 as a result of increases in salary levels. Occupancy expense decreased $9,781 and furniture and equipment expense increased $21,112. The minimal decrease in occupancy expense is the result of a decrease in the amount of maintenance and repairs expense incurred. The $21,112 increase in furniture and equipment expense can be attributed to an increase in the amount of repairs and maintenance incurred and also to an increase in depreciation. Expenses included under the other expenses heading are such items as: advertising, postage, maintenance, FDIC, SAIF and other insurance, Pennsylvania State shares tax, legal and professional fees, telephone, printing and supplies and other general and administrative expenses. Decreases in other expenses totalled $69,607. As compared to the first quarter of 1996, FDIC Insurance declined considerably due to the decrease in the Bank's "Bank Insurance Fund" assessment rate. There was also a decrease in the amount of repairs and maintenance expense on the foreclosed assets incurred during the first quarter of 1997 compared to the same period in 1996. These savings, netted against increases in other expenses, mainly legal, supplies and Pennsylvania Capital shares tax, account for the $69,607 decrease in other expenses. Provision for Income Taxes Provision for income taxes for the three months ended March 31, 1997 resulted in an effective income tax rate of 26.44% compared to 24.93% for the corresponding period in 1996. The increase noted is primarily a result of an increase in the amount of security gains included in taxable income. ASSET/LIABILITY MANAGEMENT Assets At March 31, 1997, cash and investment securities totalled $93,588,522, or a net increase of $1,196,249 over the corresponding balance at December 31, 1996. Investment securities increased, $807,516, while cash increased $388,733. During this period, net loans increased by $677,685 to $160,531,385. The increase in investment securities from December 31, 1996 to March 31, 1997 can be attributed to the net effect of various purchases and sales of investments during the first quarter with the main transactions being; purchases of United States Treasury Notes and agency securities, and sales of municipal securities. Management evaluates credit risk, anticipated economic conditions and other relevant factors impacting the quality of the loan portfolio in order to establish an adequate loan-loss allowance. An internal credit review committee monitors loans in accordance with Federal supervisory standards. Furthermore, results of examination and appraisal of the coverage of the loan-loss allowance by the committee, Federal regulators and independent accountants are frequently reviewed by management. Accordingly, on a quarterly basis, management determines an appropriate provision for possible loan losses from earnings in order to maintain allowance coverage relative to potential losses. The allowance for loan losses totalled $2,479,094 at March 31, 1997, an increase of $66,073 over the balance at December 31, 1996. For the three months ended March 31, 1997, the provision for loan losses totalled $60,000. As a percent of loans, the allowance for loan losses at March 31, 1997 totalled 1.52% versus 1.49% at December 31, 1996. Loans accounted for on a non-accrual basis totalled $596,000 and $748,000 at March 31, 1997 and December 31, 1996 respectively. Accruing loans, contractually delinquent 90 days or more were $323,000 at March 31, 1997 and $256,000 at December 31, 1996. These loans are predominately secured by first lien mortgages on residential real estate where appraisal values mitigate any potential loss of interest and principal. The ratio of non-accruing loans and those accruing but delinquent more than 90 days to the allowance for loan losses stood at .37 times at March 31, 1997 and .42 times at December 31, 1996. Presently the portfolio has no loans that meet the definition of "trouble debt restructurings" under FAS 15. A watch list of potential problem loans is maintained and updated quarterly by an internal credit review committee. At this time there are no credits of substance that have the potential to become more than 90 days delinquent. The Bank has not had nor presently has any foreign outstandings. In addition, no known concentrations of credit presently exist. At March 31, 1997 the balance of other real estate was $332,954 compared to $252,710 at December 31, 1996. Two properties were transferred into the account during the first quarter of 1997. In addition, one property that was on the books at December 31, 1996 was sold during March of 1997. Deposits At March 31, 1997 total deposits amounted to $212,010,499 representing an increase of $8,993,988 or a 4.43% increase from total deposits at December 31, 1996. Other Liabilities At March 31, 1997, other liabilities totalled $2,825,379 or a $677,074 increase over the balance at December 31, 1996. This increase is primarily due to an increase in accrued taxes and accrued expenses. Capital The adequacy of the Company's capital is reviewed on an ongoing basis with reference to the size, composition and quality of the Company's resources and regulatory guidelines. Management seeks to maintain a level of capital sufficient to support existing assets and anticipated asset growth, maintain favorable access to capital markets and preserve high quality credit ratings. The capital requirements of the Pennsylvania Department of Banking are 6%. The capital requirements of the Federal Deposit Insurance Corporation are: 1. Regulatory capital to total assets 6%. 2. Primary capital to total assets 5 1/2%. At March 31, 1997, regulatory capital to total assets was 13.21% compared to 12.92% at December 31, 1996. Primary capital to total assets at March 31, 1997 was 14.15% compared to 13.85% at December 31, 1996. The Federal Reserve Board, the FDIC and the OCC have issued certain risk-based capital guidelines, which supplement existing capital requirements. The guidelines require all United States banks and bank holding companies to maintain a minimum risk-based capital ratio of 8.00% (of which at least 4.00% must be in the form of common stockholders' equity). Assets are assigned to five risk categories, with higher levels of capital being required for the categories perceived as representing greater risk. The required capital will represent equity and (to the extent permitted) nonequity capital as a percentage of total risk-weighted assets. The risk-based capital rules are designed to make regulatory capital requirements more sensitive to differences in risk profiles among banks and bank holding companies and to minimize disincentives for holding liquid assets. Capital is being maintained in compliance with risk-based capital guidelines. The Company's Tier 1 Capital to total risk weighted assets ratio is 20.42% and the total capital ratio to total risk weighted assets ratio is 21.67%. Liquidity and Interest Rate Sensitivity The asset/liability committee addresses the liquidity needs of the Bank to see that sufficient funds are available to meet credit demands and deposit withdrawals as well as to the placement of available funds in the investment portfolio. In assessing liquidity requirements, equal consideration is given to the current position as well as the future outlook. The following liquidity measures are monitored and kept within the limits cited. 1. Net Loans to Total Assets, 70% maximum 2. Net Loans to Total Deposits, 85% maximum 3. Net Loans to Core Deposits, 90% maximum 4. Investments to Total Assets, 40% maximum 5. Investments to Total Deposits, 50% maximum 6. Total Liquid Assets to Total Assets, 25% minimum 7. Total Liquid Assets to Total Liabilities, 25% minimum 8. Volatility Liability Dependence Ratio, 10% maximum The Bank has maintained a liquidity level at or above the guidelines of the FDIC and the Pennsylvania Department of Banking. The Bank has available to it Federal Funds lines of credit totalling $8,000,000 from correspondent banks. In addition, the Bank has an agreement with the Federal Home Loan Bank of Pittsburgh that enables the Bank to receive advances up to $85,954,000 for terms of 1 to 120 days under the Federal Home Loan Bank's "Repo Plus" credit program. All of the funding mentioned is available to the Bank, should the need for short-term funds arise. The following table sets forth the Bank's interest rate sensitivity as of March 31, 1997:
AFTER ONE AFTER THREE AFTER WITHIN BUT WITHIN BUT WITHIN FIVE ONE YEAR THREE YEARS FIVE YEARS YEARS Earning assets: (1) (2) Investment securities $ $ $ $ 48,568 Loans (2) 68,703 20,777 57,989 17,767 -------------------------------------------------------------- Total earning assets 74,181 27,710 75,834 66,335 Deposits (3) 109,030 22,250 49,088 14,466 Borrowings 0 0 0 0 -------------------------------------------------------------- Total interest bearing lia 109,030 22,250 49,088 14,466 Net non-interest bearing funding (4) 8,954 6,714 16,112 17,446 -------------------------------------------------------------- Total net funding sources 117,984 28,964 65,200 31,912 Excess assets (liabilities (43,803) (1,254) 10,634 34,423 Cumulative excess assets (liabilities) (43,803) (45,057) (34,423) - (1) Investment balances reflect estimated prepayments on mortgage-backed securities. (2) Loan balances include annual repayment assumptions based on projected cash flow from the loan portfolio. The cash flow projections are based on the terms of the credit facilities and estimated prepayments on fixed rate mortgage loans. Loans include loans held for resale. (3) Adjustments to the interest sensitivity of Savings, NOW and MMDA account balances reflect managerial assumptions based on historical experience, expected behavior in future rate environments and JSSB's positioning for these products. (4) Net non-interest bearing funds is the sum of non-interest bearing liabilities and shareholders' equity minus non-interest earning assets and reflect managerial assumptions as to the appropriate investment maturities for these sources.
In reference to the attached financial statements, all adjustments are of a normal recurring nature pursuant to Rule 10-01 (b) (8) of Regulation S-X. Part II. OTHER INFORMATION Item 6. Exhibits and reports on Form 8-K. a. Exhibits: Number Description - -------------------------- (11) Statement Regarding Computation of Per Share Earnings (27) Financial Data Schedule b. Reports: No reports on Form 8-K were filed in the first quarter of 1997. 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. PENNS WOODS BANCORP, INC. (Registrant) Date: May 13, 1997 -------------------------------- Theodore H. Reich, President Date: May 13, 1997 -------------------------------- Sonya E. Hartranft, Secretary Description - -------------------------- (11) Statement Regarding Computation of Per Share Earnings (27) Financial Data Schedule EXHIBIT 11
STATEMENT OF COMPUTATION OF EARNING PER SHARE FOR THE PERIOD ENDED 3/31/97 LESS FRACTION SHARES FRACTIONAL OF WEIGHTED DATE OUTSTANDING RESTATEMENT SHARES YEAR SHARES - ---------------------------------------------------------------------------------------- 1/01/97-3/31 1,277,298 - - 90/90 1,277,298 WEIGHTED SHARES OUTSTANDING 3/31/97 1,277,298 ================ NET INCOME 3/31/97 $1,946,095 WEIGHTED SHARES OUTSTANDING 3/31/97 1,277,298 EARNINGS PER SHARE 3/31/97 $1.52 ================
EX-27 2
9 1,000 3-MOS DEC-31-1997 MAR-31-1997 8,368 35 0 0 82,081 3,104 0 163,010 2,479 262,065 212,011 12,619 2,825 0 0 0 12,773 21,837 262,065 3,819 1,292 0 5,111 1,885 197 3,029 60 1,176 1,776 2,645 2,645 0 0 1,946 1.52 0 0 596 2,472 0 0 2,413 49 55 2,479 2,479 0 0
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