-----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, EvBH+bBLmopizv3pSZXAeKLC0UdccvzWM56AUcs34gqACUsiT5X5qh7IS6SpSBee nBSs2WkNykd6PdzX/azYdw== 0000818999-96-000004.txt : 19961108 0000818999-96-000004.hdr.sgml : 19961108 ACCESSION NUMBER: 0000818999-96-000004 CONFORMED SUBMISSION TYPE: 10QSB PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 19960930 FILED AS OF DATE: 19961107 SROS: NASD FILER: COMPANY DATA: COMPANY CONFORMED NAME: METROBANCORP CENTRAL INDEX KEY: 0000818999 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 351712167 STATE OF INCORPORATION: IN FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10QSB SEC ACT: 1934 Act SEC FILE NUMBER: 000-23790 FILM NUMBER: 96655929 BUSINESS ADDRESS: STREET 1: 10333 N MERIDIAN ST STREET 2: SUITE 111 CITY: INDIANAPOLIS STATE: IN ZIP: 46290 BUSINESS PHONE: 3175732400 MAIL ADDRESS: STREET 1: 10333 N MERIDIAN STREET STREET 2: SUITE 111 CITY: INDIANAPOLIS STATE: IN ZIP: 46290 10QSB 1 U.S. SECURITIES AND EXCHANGE COMMISSION WASHINGTON D.C. 20549 FORM 10-QSB [X] QUARTERLY REPORT UNDER SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE QUARTERLY PERIOD ENDED SEPTEMBER 30, 1996 COMMISSION FILE NUMBER: 0-23790 MetroBanCorp An Indiana Corporation - I.R.S. No. 35-1712167 10333 N. Meridian Street, Suite 111 Indianapolis, Indiana 46290 Telephone (317) 573-2400 Check whether the issuer (1) filed all reports required to be filed by Section 13 or 15 (d) of the Exchange Act during the past 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___ State the number of shares outstanding of each of the issuer's classes of common equity, as of the latest practicable date: 1,681,291 Shares Transitional Small Business Disclosure Format: Yes___ No X MetroBanCorp Index PART I. FINANCIAL INFORMATION Item 1. Financial Statements Consolidated Statement of Condition September 30, 1996 and December 31, 1995................3 Consolidated Statement of Operations Three Months Ended September 30, 1996 and 1995..........4 Consolidated Statement of Operations Nine Months Ended September 30, 1996 and 1995...........5 Consolidated Statement of Cash Flows Nine Months Ended September 30, 1996 and 1995...........6 Notes to Consolidated Financial Statements..............7 Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations...........8 PART II. OTHER INFORMATION Item 6. Exhibits.........................................13 Signatures...............................................14 MetroBanCorp Part I - Financial Information Item 1. Financial Statements Consolidated Statement of Condition (unaudited) (dollars in thousands)
09/30/96 12/31/95 -------- -------- Assets Cash and Due from Banks............. $ 5,415 $ 11,432 Federal Funds Sold.................. 0 6,650 -------- -------- Total Cash and Cash Equivalents..... 5,415 18,082 Investment Securities HTM -at Cost.. 10,055 10,266 Investment Securities AFS -at Market 20,068 18,809 -------- -------- Total Investment Securities......... 30,123 29,075 Loans: Gross Loans........................ 67,295 60,452 Less: Allowance for Loan Losses.... (910) (910) -------- -------- Loans, Net.......................... 66,385 59,542 Premises and Equipment, Net......... 1,831 1,910 Accrued Interest Receivable......... 939 953 Core Deposit Intangible, Net........ 357 463 Deferred Tax Asset.................. 348 365 Other Assets........................ 369 489 -------- -------- Total Assets......................... $105,767 $110,879 ======== ======== Liabilities Deposits: Non-Interest Bearing Demand.... $ 13,920 $ 17,983 Interest Bearing: Savings and NOW Accounts.... 38,197 41,199 CD's of $100,000 and over... 11,128 8,697 Other Time Deposits......... 26,943 26,985 -------- -------- Total Deposits...................... 90,188 94,864 Federal Funds Purchased............. 1,600 0 Securities Sold Under Agreements To Repurchase.................. 1,500 3,900 Accrued Interest Payable............ 457 466 Other Liabilities................... 619 504 -------- -------- Total Liabilities.................... $ 94,364 $ 99,734 ======== ======== Commitments and Contingencies 0 0 Shareholders' Equity Preferred Stock: 1,000,000 Shares Authorized: None Outstanding............... 0 0 Common Stock: Authorized Shares - 3,000,000 Issued & Outstanding Shares 1,681,291.............. 11,210 11,210 Accumulated Earnings................ 355 119 Net Unrealized Loss on Investment Securities AFS................. (162) (184) -------- -------- Total Shareholders' Equity........... 11,403 11,145 -------- -------- Total Liabilities & Shareholders' Equity $105,767 $110,879 ======== ======== See "Notes to Consolidated Financial Statements"
MetroBanCorp Part I - Financial Information Item 1. Financial Statements Consolidated Statement of Operations (unaudited) (dollars in thousands, except share data)
Three Months Three Months ended ended 09/30/96 09/30/95 ----------- ------------ Interest Income Interest and Fees on Loans............ $1,600 $1,504 Interest on Investment Securities..... 413 355 Interest on Federal Funds Sold........ 4 53 ------ ------ Total Interest Income.................. 2,017 1,912 Interest Expense Interest on Deposits.................. 882 843 Other Interest........................ 8 1 ------ ------ Total Interest Expense................. 890 844 ------ ------ Net Interest Income.................... 1,127 1,068 ------ ------ Provision for Loan Losses.............. 16 45 ------ ------ Net Interest Income after Provision for Loan Losses............ 1,111 1,023 ------ ------ Non-Interest Income Service Charges on Deposit Accounts... 77 81 Other Service Charges, Commissions and Fees................ 84 137 ------ ------ Total Non-Interest Income.............. 161 218 Non-Interest Expense Salaries and Employee Benefits......... 403 385 Occupancy Expense...................... 63 48 Equipment Expense...................... 80 42 Advertising & Public Relations......... 46 53 Legal & Professional Services.......... 36 1 Data Processing........................ 49 45 Student Loan Servicing Fees............ 28 33 FDIC Insurance Assessment.............. 105 44 Amortization of Core Deposit Intangible 35 35 Other.................................. 190 203 ------ ------ Total Non-Interest Expense.............. 1,035 889 Income before Income Taxes.............. 237 352 Applicable Income Taxes................. 106 142 ------ ------ Net Income.............................. $ 131 $ 210 ====== ====== Net Income per Weighted Average Share... $ .08 $ .12 Weighted Average Shares Outstanding..... 1,681,291 1,681,291 See "Notes to Consolidated Financial Statements"
MetroBanCorp Part I - Financial Information Item 1. Financial Statements Consolidated Statement of Operations (unaudited) (dollars in thousands, except share data)
Nine Months Nine Months ended ended 09/30/96 09/30/95 ----------- ----------- Interest Income Interest and Fees on Loans............. $4,553 $4,226 Interest on Investment Securities...... 1,193 1,128 Interest on Federal Funds Sold......... 102 127 ------ ------ Total Interest Income................... 5,848 5,481 Interest Expense Interest on Deposits................... 2,601 2,362 Other Interest......................... 18 26 ------ ------ Total Interest Expense.................. 2,619 2,388 ------ ------ Net Interest Income..................... 3,229 3,093 ------ ------ Provision for Loan Losses.............. 49 196 ------ ------ Net Interest Income after Provision for Loan Losses............. 3,180 2,897 ------ ------ Non-Interest Income Service Charges on Deposit Accounts.... 225 233 Other Service Charges, Commissions and Fees............ 277 341 ------ ------ Total Non-Interest Income............... 502 574 Non-Interest Expense Salaries and Employee Benefits......... 1,218 1,127 Occupancy Expense...................... 173 140 Equipment Expense...................... 239 139 Advertising & Public Relations......... 139 161 Legal & Professional Services.......... 103 25 Data Processing........................ 169 133 Student Loan Servicing Fees............ 85 114 FDIC Insuranance Assessment............ 188 129 Amortization of Core Deposit Intangible 105 105 Other.................................. 533 535 ------ ------ Total Non-Interest Expense.............. 2,952 2,608 Income before Income Taxes.............. 730 863 Applicable Income Taxes................. 326 351 ------ ------ Net Income.............................. $ 404 $ 512 ====== ====== Net Income per Weighted Average Share... $ .24 $ .30 Weighted Average Shares Outstanding..... 1,681,291 1,681,291 See "Notes to Consolidated Financial Statements"
MetroBanCorp Part I - Financial Information Item 1. Financial Statements Consolidated Statement of Cash Flows (unaudited) (dollars in thousands)
Nine Months Nine Months ended ended 09/30/96 09/30/95 ----------- ----------- Cash Flows from Operating Activities: Net Income $ 404 $ 512 Adjustments to Reconcile Net Income to Cash Provided by Operating Activities: Provision for Loan Losses................. 49 196 Deferred Income Tax Provision............. 2 246 Depreciation and Amortization............. 292 227 Gain on Sale of Real Estate............... (35) 0 Net Loss on Sale of Securities............ 12 0 (Increase)/Decrease in Accrued Interest Receivable..................... 14 (33) Decrease in Other Assets.................. 120 (114) (Increase)/Decrease in Accrued Interest Payable........................ (9) 54 Increase in Other Liabilities............. 115 269 ------- ------- Total Adjustments............................ 560 845 ------- ------- Net Cash Flows Provided by Operating Activities 964 1,357 ------- ------- Cash Flows from Investing Activities: Proceeds from Maturities of Investment Securities HTM............................. 211 1,016 Purchases of Investment Securities HTM....... 0 (2,082) Proceeds from Sales of Investment Securities AFS............................. 3,526 0 Purchases of Investment Securities AFS....... (4,767) 0 Proceeds from the Repayment of Student Loans. 1,664 46,622 Proceeds from the Sale of Student Loans...... 829 0 Net Loans made to Customers.................. (9,385) (49,587) Purchases of Premises and Equipment.......... (473) (73) Proceeds from the Sale of Real Estate........ 409 0 ------- ------- Net Cash Flows Used in Investing Activities.... (7,986) (4,104) ------- ------- Cash Flows from Financing Activities: Net Increase/(Decrease) in DDA, NOW and Savings Accounts................... (7,065) 4,738 Net Increase in Certificates of Deposit...... 2,388 3,201 Net Increase in Federal Funds Purchased...... 1,600 0 Net Securities Sold Under an Agreement to Repurchase.................... (2,400) (1,200) Payment of Dividends......................... (168) 0 ------- ------- Net Cash Flows Provided by/(Used In) Financing Activities........................ (5,645) 6,739 ------- ------- Net Increase/(Decrease) in Cash and Cash Equivalents............................ (12,667) 3,992 Cash and Cash Equivalents at Beginning of Period......................... 18,082 4,296 ------- -------- Cash and Cash Equivalents at End of Period..... $ 5,415 $ 8,288 ======= ======== See "Notes to Consolidated Financial Statements"
MetroBanCorp Notes to Consolidated Financial Statements 1. Basis of Presentation --------------------- The consolidated financial statements include the accounts of MetroBanCorp and its wholly-owned affiliate, MetroBank (together, "Metro"). All significant intercompany transactions and balances have been eliminated. In the opinion of management of Metro, the consolidated financial statements contain all the normal and recurring adjustments necessary to present fairly the consolidated financial condition of Metro as of September 30, 1996 and December 31, 1995, and the results of its operations for the three months and nine months ended September 30, 1996 and 1995, and its statement of cash flows for the nine months ended September 30, 1996 and 1995. These statements should be read in conjunction with Metro's latest Annual Report on Form 10-KSB for the year ending December 31, 1995. 2. Investments ----------- The market value and amortized cost of investment securities of Metro as of September 30, 1996 are set forth below:
Market Value Amortized Cost ------------ -------------- Held to Maturity..... $ 9,429,000 $10,055,000 Available for Sale... 20,068,000 20,344,000 ------------ -------------- Total Investments.... $29,497,000 $30,399,000 ============ ==============
3. Allowance for Loan and Lease Losses ----------------------------------- Metro adopted the provisions of Statement of Financial Accounting Standard No. 114, "Accounting by Creditors for Impairment of a Loan," as amended by Statement of Financial Accounting Standard No. 118, on January 1, 1995. As of September 30, 1996, Metro had investments in loans which are impaired in accordance with SFAS Nos. 114 and 118 of $230,000. Of this amount, $197,000 had no related specific allowance. The remaining impaired loans had a specific allowance of $33,000. Metro's policy for recognizing income on impaired loans is to accrue earnings until a loan is classified non-accrual. For loans which receive the classification of non-accrual during the current period, interest accrued to date is charged against current earnings. All payments received on a loan which is classified as non-accrual are utilized to reduce the principal outstanding. For the nine months ended September 30, 1996, the average balance of impaired loans was $146,993. Additionally, there was no interest income earned on these loans during the first nine months of 1996. 4. The Financial Accounting Standards Board has issued SFAS No. 122, "Accounting for Mortgage Servicing Rights," which modifies the accounting for mortgage servicing rights to allow the recognition of servicing assets whether they are purchased or originated. Metro adopted the provisions of this statement effective January 1, 1996, but it did not have a material effect on Metro's consolidated financial condition or results of operations. ITEM 2., MANAGEMENT'S DISCUSSION AND ANALYSIS OF - ------------------------------------------------ FINANCIAL CONDITION AND RESULTS OF OPERATIONS - --------------------------------------------- The following management discussion is presented to provide information concerning the consolidated financial condition of Metro and MetroBank ( "Bank" ) as of September 30, 1996 as compared to December 31, 1995, and the results of operations for the three and nine month periods ending September 30, 1996 and 1995. FINANCIAL CONDITION - ------------------- At September 30, 1996, Metro had total assets of $105.8 million, a decrease of $5.1 million or 4.6 percent from December 31, 1995. This decrease resulted principally from a decrease in the Bank's interest bearing deposits and securities sold under agreements to repurchase. Consolidated earning assets amounted to $97.4 million or 92.1 percent of total assets at September 30, 1996. The principal components of earning assets were loans in the amount of $67.3 million or 69.1 percent of total earning assets, and investment securities of $30.1 million or 30.9 percent of total earning assets. Earning assets at December 31, 1995 were $96.2 million, and as a percentage of total assets amounted to 86.7 percent. This $1.2 million increase in earning assets in 1996 is due principally to increases in both the loan and investment portfolios during the first three quarters of 1996, combined with a decrease in non-earning assets. LOANS - ----- Total loans outstanding increased $6.8 million or 11.3 percent since December 31, 1995 due to an increase in short-term and intermediate-term commercial and installment loans. This growth is a result of increased indirect lending in home equity loans and new growth in the commercial loan portfolio. New business has also been generated by the hiring of an experienced lender. The overall loan demand has been relatively strong in the local economy. At September 30, 1996, net loans amounted to 62.8 percent of total assets as compared to 53.7 percent at year end 1995. The Bank's loan to deposit ratio, which is one measure of liquidity, was 73.6 percent at September 30, 1996, as compared to 63.7 percent at year end 1995. Loan Portfolio at Period-End (dollars in thousands)
September 30, December 31, % 1996 1995 Change ------------ ----------- ------ Commercial and Financial....... $36,482 $31,122 17.2 Real Estate - Construction..... 4,586 2,251 103.7 Mortgage....................... 729 838 -13.0 Installment.................... 14,992 13,242 13.2 Student Loans.................. 10,506 12,999 -19.2 -------- -------- ------ Total Loans............... $67,295 $60,452 11.3% Less: Allowance for Loan Losses...... 910 910 -------- -------- Net Loans................. $66,385 $59,542 ======== ========
Delinquent loans at September 30, 1996 were $1.5 million, representing 2.2 percent of total loans. At December 31, 1995, delinquent loans amounted to $1.7 million or 2.8 percent of total loans outstanding. Delinquent loans in both periods shown above consisted primarily of student loans guaranteed by USA Group, Inc. Non-accruing loans at September 30, 1996 amounted to $230,000, as compared to $37,000 at December 31, 1995. Net charged-off loans amounted to $49,309 for the nine months ending September 30, 1996. At September 30, 1996 and December 31, 1995, the Bank had an allowance for loan losses of $910,000. The percentage of provision for loan losses to ending loans amounted to 1.35 percent and 1.51 percent for September 30, 1996 and December 31, 1995, respectively. The Bank provides for possible loan losses through regular provisions to the allowance for loan losses. The provisions are made at a level which is considered necessary by management to absorb estimated losses in the loan portfolio and is based upon an assessment of adequacy of the Bank's loan loss reserve account. Allowance for Loan Losses Nine Months ended September 30, 1996 and 1995 (dollars in thousands)
1996 1995 -------- -------- Allowance for Loan Losses, January 1...... $ 910 $ 586 Loans Charged-Off: Commercial and Financial.......... (46) (14) Real Estate....................... 0 0 Mortgage.......................... 0 0 Installment....................... (10) (10) Student Loans..................... 0 0 -------- -------- Total Charged-Off Loans................ (56) (24) -------- -------- Recoveries on Charged-Off Loans: Commercial and Financial.......... 5 3 Real Estate....................... 0 0 Mortgage.......................... 0 0 Installment....................... 2 5 Student Loans..................... 0 0 -------- -------- Total Recoveries....................... 7 8 -------- -------- Net Charged-Off Loans.................. (49) (16) -------- -------- Provision for Loan Losses.............. 49 196 -------- -------- Allowance for Loan Losses, September 30... $ 910 $ 766 ======== ======== Average Loans Outstanding.............. $63,629 $58,294 ======== ======== Net Charged-Off loans to Average Loans.... 0.08% 0.03% ======== ========
INVESTMENT SECURITIES - --------------------- Total investments at September 30, 1996 were $30.1 million, increasing by $1 million or 3.6 percent from the amount at December 31, 1995. DEPOSITS - -------- Total deposits at September 30, 1996 amounted to $90.2 million in comparison to $94.9 million at December 31, 1995, representing a decrease of $4.7 million or 4.9 percent. Since December 31, 1995, non-interest bearing demand deposits decreased by $4.1 million or 22.6 percent. This change in demand deposits relates to timing differences of deposits and withdrawals. The Bank typically has a build up of deposits in the fourth quarter, followed by a decline during the next three quarters. In the first nine months of 1996, interest bearing deposits decreased by $614,000 or .8 percent. OTHER LIABILITIES - ----------------- Liabilities included federal funds purchased and securities sold under an agreement to repurchase, which decreased a net of $800,000 since December 31, 1995. Other liabilities increased to $619,000 from $504,000 from December 31, 1995. Total liabilities decreased by $5.4 million or 5.4 percent to $94.4 million since December 31, 1995. CAPITAL - ------- Metro's total capital increased by a net amount of $258,000 or 2.3 percent during the first nine months of 1996. Metro's earnings in the first nine months of 1996 amounted to $404,000. The net unrealized loss on investment securities available for sale amounted to $162,000 at September 30, 1996, decreasing by $22,000 or 12 percent in 1996. Capital decreased by approximately $168,000 in 1996 following the payment of a cash dividend in June, 1996. Tier 1, or core capital, for Metro and the Bank consists of shareholders' equity less the net core deposit intangible and the non-qualifying portion of the deferred tax asset plus the net unrealized loss on investment securities available for sale. Total capital includes Tier 1 capital and the qualifying portion of the allowance for loan losses. The minimum requirements for a "well capitalized" classification are a Leverage Ratio of 5 percent, which is Tier 1 capital divided by average total assets; a Tier 1 Risk-Based Capital Ratio of 6 percent, which is Tier 1 capital divided by total risk-adjusted assets; and a Total Risk-Based Capital Ratio of 10 percent, which is total capital divided by total risk-adjusted assets. Under these guidelines, both Metro and the Bank exceeded the regulatory minimum ratios.
MetroBanCorp (dollars in thousands) (Consolidated) MetroBank ------------ ----------- Tier 1 capital: Shareholders' Equity................ $11,403 $ 7,619 Less: Intangible assets, net.............. (357) (357) Non-qualifying deferred tax assets.. (158) 0 Add: Net Unrealized loss on Investment Securities available for sale.... 162 152 ---------- ---------- Total Tier 1 capital................... $11,050 $ 7,414 Tier 2 capital: Add: Allowance for loan losses (limited to the lesser of 1.25% of risk-adjusted total assets or the balance in the loan loss reserve account)............................ 836 825 ---------- ---------- Total capital.......................... $11,886 $ 8,239 Risk-adjusted assets................... $ 66,913 $ 66,014 ========== ========== Total capital to risk-adjusted assets 17.76% 12.48% Tier 1 capital to risk-adjusted assets 16.51% 11.23% Tier 1 capital to average total assets (leverage ratio) 10.60% 7.38%
RESULTS OF OPERATIONS - --------------------- NET INTEREST INCOME - ------------------- Net interest income after provision for loan losses was $3.2 million for the nine months ending September 30, 1996, compared to $3.1 million for the comparable period of 1995, for an increase of 4.2 percent. Net Interest income increased principally due to growth in loans and investments, combined with a reduction in the provision for loan losses for the first three quarters of 1996. The Bank's provision for loan loss expense was $49,000 at September 30, 1996, compared to $196,000 for the same period in 1995. The provisions made in 1996 were at a level considered necessary by management to absorb estimated losses in the loan portfolio and is based upon an assessment of the adequacy of the Bank's loan loss reserve account. NON-INTEREST EXPENSE - -------------------- Non-interest expense amounted to $3.0 million for nine months ending September 30, 1996 compared to $2.6 million for the same period in 1995, for a $344,000 or 13.2 percent increase. The increase in Metro's non-interest expense is due principally to the recognition of increased deposit insurance fees resulting from a one-time assessment by the FDIC on the Bank to replenish the Savings Association Insurance Fund and the overhead expense incurred with the Bank's automated teller and loan machines deployed in 1996. NET INCOME - ---------- Metro recognized net income in the amount of $404,000 for the nine month period ending September 30, 1996 compared to $512,000 for the same period one year earlier. PART II-OTHER INFORMATION - ------------------------- Item 5. Other Information - ------- ----------------- During the third quarter of 1996, the Bank filed an application to establish a new branch office in Noblesville, Indiana. The Bank has received approval for a new branch office from the proper regulatory agencies and anticipates a first quarter, 1997 commencement of operations at such new branch. Presently, certain contractual conditions relating to the new branch remain to be finalized, including execution of a lease agreement, purchasing of equipment, and hiring of personnel. The new branch will occupy approximately 1,200 square feet in a new multi-tenant commercial building currently under construction. The building will be owned by an unaffiliated third party. Item 6. Exhibits and Reports on Form 8-K - ------- -------------------------------- (a) Exhibit 27 Financial Data Schedule SIGNATURES - ---------- In accordance with the requirements of the Securities Exchange Act of 1934, as amended, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized. METROBANCORP (Registrant) November 7, 1996 By: /S/ Ike G. Batalis ------------------- Ike G. Batalis Chairman and President (Principal Executive Officer) November 7, 1996 By: /S/ Charles V. Turean ---------------------- Charles V. Turean Executive Vice President (Principal Financial and Accounting Officer) EX-27 2
9 THE FOLLOWING SCHEDULE CONTAINS SUMMARIZED FINANCIAL INFORMATION EXTRACTED FROM THE REGISTRANTS FORM 10-QSB FOR THE QUARTER ENDED SEPTEMBER 30, 1996. 1000 9-MOS DEC-31-1996 SEP-30-1996 5,415 0 0 0 20,068 10,055 0 67,295 910 105,767 90,188 3,100 1,076 0 0 0 11,210 193 105,767 4,553 1,193 102 5,848 2,601 2,619 3,229 49 (12) 2,952 730 404 0 0 404 0.24 0 0 230 474 0 1075 910 56 7 910 0 0 0
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