-----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, BIHV4ezbuLPoxJLXBFgvZarxuouVtq8lTZqIGH/wwMbidVsP2BHqOUNPxynwFCBJ Jrfa5Z+Rsye/JLpVzuyvUg== 0000854395-99-000014.txt : 19991117 0000854395-99-000014.hdr.sgml : 19991117 ACCESSION NUMBER: 0000854395-99-000014 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 19990930 FILED AS OF DATE: 19991115 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIRST FEDERAL FINANCIAL CORPORATION OF KENTUCKY CENTRAL INDEX KEY: 0000854395 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 611168311 STATE OF INCORPORATION: KY FISCAL YEAR END: 0630 FILING VALUES: FORM TYPE: 10-Q SEC ACT: SEC FILE NUMBER: 000-18832 FILM NUMBER: 99753072 BUSINESS ADDRESS: STREET 1: 2323 RING ROAD CITY: ELIZABETHTOWN STATE: KY ZIP: 42701 BUSINESS PHONE: 5027652131 MAIL ADDRESS: STREET 1: 2323 RING ROAD CITY: ELIZABETHTOWN STATE: KY ZIP: 42701 10-Q 1 SEPTEMBER 1999 10-Q FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 (Mark One) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the quarterly period ended: September 30, 1999 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the transition period from__________to_____________ Commission File Number 0-18832 First Federal Financial Corporation of Kentucky (Exact Name of Registrant as specified in its charter) Kentucky 61-1168311 (State or other jurisdiction (IRS Employer Identification No.) of incorporation or organization) 2323 Ring Road Elizabethtown, Kentucky 42701 (Address of principal executive offices) (Zip Code) (270) 765-2131 (Registrants's telephone number, including area code) 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 --- --- APPLICABLE ONLY TO CORPORATE ISSUERS: Indicate the number of shares outstanding of each of the issuer's classes of common stock, as of the latest practicable date. Class Outstanding as of October 31, 1999 ----- ---------------------------------- Common Stock 3,918,163 shares This document is comprised of 13 pages. FIRST FEDERAL FINANCIAL CORPORATION OF KENTUCKY AND SUBSIDIARY INDEX PART I - Financial Information Page Number Item 1-Consolidated Financial Statements Consolidated Statement of Financial Condition as of September 30, 1999 (Unaudited) and June 30, 1999. 3 Consolidated Statement of Income for the Three Months Ended September 30, 1999 and 1998 (Unaudited). 4 Consolidated Statement of Comprehensive Income for the Three Months Ended September 30, 1999 and 1998 (Unaudited). 5 Consolidated Statement of Cash Flows for the Three Months Ended September 30, 1999 and 1998 (Unaudited). 6 Notes to Consolidated Financial Statements 7 Item 2-Management's Discussion and Analysis of the Consolidated Statements of Financial Condition and Results of Operations 8 PART II - Other Information 12 SIGNATURES 13 FIRST FEDERAL FINANCIAL CORPORATION OF KENTUCKY AND SUBSIDIARY Consolidated Statements of Financial Condition
September 30, June 30, ASSETS 1999 1999 ---- ---- (unaudited) Cash and due from banks $ 8,528,032 $ 10,257,162 Interest bearing deposits 7,245,686 1,634,475 ------------ ------------ Total cash and cash equivalents 15,773,718 11,891,637 Securities available-for-sale 2,584,792 2,935,979 Securities held-to-maturity 38,330,647 44,404,392 Loans receivable, less allowance for loan losses of $2,157,448 (September) and $2,107,994 (June) 414,928,421 400,360,402 Federal Home Loan Bank stock 3,258,400 3,200,000 Premises and equipment 11,408,218 11,594,369 Real estate owned: Acquired through foreclosure 121,051 108,610 Held for development 445,683 445,683 Excess of cost over net assets acquired 10,671,022 10,878,972 Accrued interest 1,160,915 1,603,514 Other assets 892,228 880,216 ------------ ------------ TOTAL ASSETS $499,575,095 $488,303,774 ============ ============ LIABILITIES AND STOCKHOLDERS' EQUITY LIABILITIES: Deposits: Non-interest bearing $ 17,197,573 $ 15,223,267 Interest bearing 383,797,798 384,220,172 ----------- ----------- Total Deposits 400,995,371 399,443,439 Advances from Federal Home Loan Bank 37,470,823 25,894,127 Accrued interest payable 803,283 868,840 Accounts payable and other liabilities 3,511,230 2,336,503 Deferred income taxes 1,953,823 1,898,703 ----------- ----------- TOTAL LIABILITIES 444,734,530 430,441,612 ----------- ----------- STOCKHOLDERS' EQUITY: Serial preferred stock, 5,000,000 shares authorized and unissued - - Common stock, $1 par value per share; authorized 10,000,000 shares; issued and outstanding, 4,121,112 shares in June and 3,972,511 shares in September 3,972,511 4,121,112 Additional paid-in capital - 3,055,644 Retained earnings 49,999,857 49,587,422 Accumulated other comprehensive income, net of tax 868,197 1,097,984 ------------ ------------ TOTAL STOCKHOLDERS' EQUITY 54,840,565 57,862,162 ------------ ------------ TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY $499,575,095 $488,303,774 ============ ============
See notes to consolidated financial statements. 3 FIRST FEDERAL FINANCIAL CORPORATION OF KENTUCKY AND SUBSIDIARY Consolidated Statements of Income (Unaudited)
Three Months Ended September 30, --------------------------- 1999 1998 ---- ---- Interest Income: Interest and fees on loans $8,286,225 $7,712,415 Interest and dividends on investments and deposits 814,159 998,151 --------- --------- Total interest income 9,100,384 8,710,566 --------- --------- Interest Expense: Deposits 4,241,041 4,227,346 Federal Home Loan Bank advances 392,128 398,804 --------- --------- Total interest expense 4,633,169 4,626,150 --------- --------- Net interest income 4,467,215 4,084,416 Provision for loan losses 89,525 60,000 --------- --------- Net interest income after provision for loan losses 4,377,690 4,024,416 --------- --------- Noninterest Income: Customer service fees on deposit accounts 450,504 387,495 Secondary mortgage market closing fees 133,785 114,914 Gain on sale of investments 153,135 108,267 Brokerage and insurance commissions 108,700 85,964 Other income 116,025 150,534 --------- --------- Total other noninterest income 962,149 847,174 --------- --------- Noninterest Expense: Employee compensation and benefits 1,286,263 1,091,947 Office occupancy expense and equipment 351,231 307,604 FDIC insurance premiums 57,015 48,260 Marketing and advertising 128,214 102,024 Outside services and data processing 300,734 238,832 State franchise tax 99,531 79,357 Acquisition related expense - 291,869 Amortization of intangibles 207,950 157,498 Other expense 567,260 454,744 --------- --------- Total other noninterest expense 2,998,198 2,772,135 --------- --------- Income before income taxes 2,341,641 2,099,455 Income taxes 768,495 727,215 --------- --------- Net Income $1,573,146 $1,372,240 ========== ========== Earnings per share: Basic $ 0.39 $ 0.33 Diluted $ 0.38 $ 0.33
See notes to consolidated financial statements. 4 FIRST FEDERAL FINANCIAL CORPORATION OF KENTUCKY AND SUBSIDIARY Consolidated Statements of Comprehensive Income (Unaudited) Three Months Ended September 30, ------------------------- 1999 1998 ---- ---- Net Income Other comprehensive income (loss), net of tax: $1,573,146 $1,372,240 Change in unrealized gain (loss) on securities (128,180) 69,398 Reclassification of realized amount (101,069) (71,456) ---------- ---------- Net unrealized gain recognized in comprehensive income (229,787) (2,058) ---------- ---------- Comprehensive Income $1,343,359 $1,370,182 ========== ========== See notes to consolidated financial statements. 5 FIRST FEDERAL FINANCIAL CORPORATION OF KENTUCKY AND SUBSIDIARY Consolidated Statements of Cash Flows (Unaudited)
Three Months Ended September 30, ---------------------------- 1999 1998 ---- ---- Operating Activities: Net income $ 1,573,146 $ 1,372,240 Adjustments to reconcile net income to net cash provided by operating activities: Provision for loan losses 89,525 60,000 Depreciation of premises and equipment 247,547 179,943 Net change in deferred loan fees and costs 83,561 54,219 Federal Home Loan Bank stock dividends (58,400) (54,500) Amortization of acquired intangible assets 207,950 157,498 Amortization and accretion on securities (15,638) (22,700) Gain on sale of investments available-for-sale (153,135) (108,267) Interest receivable 442,599 (79,000) Other assets (12,012) 165,608 Interest payable (65,557) 797,550 Accounts payable and other liabilities 1,174,727 260,266 Deferred taxes 173,495 129,664 ---------- ---------- Net cash provided by operating activities 3,687,808 2,912,521 ---------- ---------- Investing Activities: Sales of securities available-for-sale 155,829 110,223 Purchases of securities available-for-sale - (1,010,000) Purchases of securities held-to-maturity - (36,855,000) Maturities of securities held-to-maturity 6,089,714 9,929,165 Net increase in loans (14,753,546) (10,109,859) Net purchases of premises and equipment (61,396) (443,795) Net cash received in acquisition - 52,456,754 ---------- Net cash used in investing activities (8,569,399) 14,077,488 ---------- ---------- Financing Activities: Net increase in deposits 1,551,932 3,291,366 Net advances from (repayments to) Federal Home Loan Bank 11,576,696 (20,029,754) Dividends paid (730,267) (619,442) Common stock repurchased (3,634,689) (1,417) ----------- ---------- Net cash provided by financing activities 8,763,672 (17,359,247) ----------- ---------- Increase (decrease) in cash and cash equivalents 3,882,081 (369,238) Cash and cash equivalents, beginning of year 11,891,637 9,149,712 ----------- ---------- Cash and cash equivalents, end of period $15,773,718 $ 8,780,474 =========== ==========
See notes to consolidated financial statements. 6 FIRST FEDERAL FINANCIAL CORPORATION OF KENTUCKY AND SUBSIDIARY Notes to Consolidated Financial Statements 1. Interim Financial Statements First Federal Financial Corporation of Kentucky ("Corporation") is the parent to its wholly owned subsidiary, First Federal Savings Bank of Elizabethtown ("Bank"). The Corporation has no material income, other than that generated by the Bank. In the opinion of management, these unaudited consolidated financial statements include all adjustments necessary for a fair presentation of its financial position as of September 30, 1999 and the results of its operations and its cash flows for the three month period then ended. All such adjustments were of a normal recurring nature. The results of operations for the three month period ended September 30, 1999 are not necessarily indicative of the results for the full year. It is suggested that these financial statements be read in conjunction with the financial statements, accounting policies and financial notes thereto included in the Appendix to the Company's 1999 Proxy Statement which has been previously filed with the Commission. Earnings Per Common Share - Basic earnings per common share is net income divided by the weighted average number of common shares outstanding during the period. Diluted earnings per common share include the dilutive effect of additional potential common shares issuable under stock options. The reconciliation of the numerators and denominators of the basic and diluted EPS is as follows: Three Months Ended September 30, ------------------------- (Dollars in Thousands) 1999 1998 ---- ---- Net income available to common shareholders $ 1,573 $ 1,372 ======== ======= Basic EPS: Weighted average common shares 4,069,632 4,129,612 ========= ========= Diluted EPS: Weighted average common shares 4,069,632 4,129,612 Dilutive effect of stock options 18,760 20,705 --------- --------- Weighted average common and incremental shares 4,088,392 4,150,317 ========= ========= Earnings Per Share: Basic $ 0.39 $ 0.33 ======= ====== Diluted $ 0.38 $ 0.33 ======= ====== 7 MANAGEMENT DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS First Federal Financial Corporation of Kentucky ("Corporation") is the parent to its wholly owned subsidiary, First Federal Savings Bank of Elizabethtown ("Bank"). The Bank has operations in the central Kentucky communities of Elizabethtown, Radcliff, Bardstown, Munfordville, Shepherdsville, Mt. Washington, Brandenburg, Flaherty, and Hillview. The following discussion and analysis covers any material changes in the financial condition since June 30, 1999 and any material changes in the results of operations for the three month period ending September 30, 1999. This discussion and analysis should be read in conjunction with "Managements Discussion and Analysis of Financial Condition and Results of Operations" included in the 1999 Annual Report to Shareholders. FORWARD-LOOKING STATEMENTSPRELIMINARY NOTE REGARDING FORWARD-LOOKING STATEMENTS Management's discussion and analysis contains forward-looking statements that are provided to assist in the understanding of anticipated future financial performance. However, such performance involves risks and uncertainties, and there are certain important factors that may cause actual results to differ materially from those anticipated. The important factors include, but are not limited to, fluctuations in the economy; changes in interest rates; government legislation and regulation; the Corporation's success in assimilating acquired branches and operations into its existing operations; the Corporation's ability to offer competitive banking products and services; the continued growth of the markets in which the Corporation operates; the Corporation's ability to expand into new markets and to maintain profit margins in the face of pricing pressure, all of which are difficult to predict and many of which are beyond the Corporation's control. Acquisition Acquisition On July 24, 1998, the Bank completed its acquisition of three bank branches located in Meade County, Kentucky from Bank One Corporation. Two of the banking centers are located in Brandenburg, Kentucky and the third banking center is in Flaherty, Kentucky. In the transaction, the Bank acquired certain assets and assumed certain liabilities associated with the acquisition of the Meade County banking centers. The transaction resulted in recording of approximately $11,000,000 of loans and $72,000,000 of deposits. The net deposits assumed exceeded the cash received by $8,670,000. Results of Operations Net income was $1,573,000 or $0.39 per share for the three month period ended September 30, 1999, compared to $1,565,000 or $0.38 per share for the same period in 1998. Actual net income for the 1998 quarter includes a one-time acquisition-related charge of $292,000 ($193,000 net of tax) resulting in net earnings of $1,372,000 or $0.33 per share. The following discussion outlines the material differences in income and expense for the quarter ended September 30, 1999 compared to 1998. Net interest income increased by $383,000 in 1999 to $4,467,000 compared to $4,084,000 in 1998. This increase was due to increases in the volume of interest earning assets resulting from normal Bank operations. The Bank's net interest margin increased from 3.76% for the 1998 period to 3.81% for the 1999 period. Average interest-earning assets increased by $34 million from $431 million for the 1998 period to $465 million for the 1999 period due to the normal growth of the Bank. Average loans were $41 million higher and averaged $412 million during the 1999 period, while the average yield on loans decreased by 27 basis points to 7.98%. 8 Average interest-bearing liabilities increased by $13 million to an average balance of $418 million for the three month period ended September 30, 1999. Customer deposits averaged $384 million during 1999 quarter, a $2 million increase from the 1998 average balance of $382 million. The cost of funds on these deposits averaged 4.38% during the 1999 period which was a decrease of 1 basis point from the 1998 average cost of funds of 4.39%. This decrease is attributable to lower rates paid on short-term customer deposits. Non-interest income was $962,000 for the 1999 quarter, an increase of $115,000 from the 1998 period. Gains on investment sales were $153,000 compared to gains of $108,000 for the 1998 quarter. Fee income in connection with loans originated for the secondary market increased by $19,000 or 17% during the quarter ended September 30, 1999 due to a better market penetration, as opposed to higher refinancing activity. Fee income from trust, brokerage and other customer transaction fees increases due to growth in deposit relationships with new and existing customers. Non-interest expense increased by $226,000 or 8% during the 1999 period compared to 1998. Compensation and employee benefits, the largest component of non-interest expense, increased by $194,000 or 18% in 1999 compared to 1998. The increase includes salary increases and reflects increases in the number of full time equivalent employees from 141 at September 30, 1998, to 160 at September 30, 1999, due to new associate positions required to service the growth of the Bank. Occupancy and equipment expense increased by $43,000 or 14% in 1999 compared to 1998. The majority of the increase is due to the expansion in the number of banking locations from 11 at September 30, 1998, to 12 at September 30, 1999. Marketing and advertising expense increased by $26,000 or 25% in 1999 compared to 1998. This increase includes marketing activities associated with the opening of a new banking center and the development of new products and services. All other non-interest expense, excluding the one-time acquisition-related charge of $292,000 ($193,000, net of tax), increased by $255,000 during the 1999 period compared to the 1998 period. Expenses directly related to customer checking accounts increased due to a higher volume of accounts. Expenses directly related to postage, telephone, data procesing costs and supplies increased due to asset growth and new services provided by the Bank. 9 Non-Performing Assets Management periodically evaluates the adequacy of the allowance for loan losses based on the Bank's past loan loss experience, known and inherent risks in the portfolio, adverse situations that may effect the borrower's ability to repay and other factors. During the quarter ended September 30, 1999, management chose to add $89,525 to the reserve for loan losses. Although current loan charge-offs and delinquencies are consistent with previous years, the reserve was increased to compensate for the Bank's continued strong loan growth. The Bank experienced an insignificant amount of uncollectible loans during the periods indicated in the table below. Approximately 62% of the Bank's non-performing assets are collateralized by one-to-four family residences at September 30, 1999. Three Months Ended September 30, ------------------------- 1999 1998 ---- ---- (Dollars in Thousands) Allowance for loan losses: Balance, July 1 $ 2,108 $ 1,853 Balance acquired in merger - 205 Provision for loan losses 90 60 Charge-offs (44) (7) Recoveries 3 12 ------- ------- Balance, end of period $ 2,157 $ 2,123 ======= ======= Loans outstanding at quarter end $417,086 $376,643 Non-performing loans at quarter end: Collateralized by one-to-four family homes $ 1,585 $ 1,502 Other non-performing loans 862 635 ------- ------- Total non-performing loans 2,447 2,137 Real estate acquired through foreclosure 121 112 ------- ------- Total non-performing assets $ 2,568 $ 2,249 ======= ======= Ratios: Non performing loans to loans .59% .57% Allowance for loans losses to non-performing loans 88% 99% Allowance for loan losses to net loans .52% .56% Non-performing assets to total assets .51% .48% Liquidity & Capital Resources Loan demand continued to be strong during the three months ended September 30, 1999, as net loans increased by $14.6 million to $415 million, a 14.3% annualized growth. In spite of strong competition from new financial institutions, mutual funds and the stock market, customer deposits increased by $1.6 million during the period. The Bank's loan growth was funded by additional borrowings of $11.6 million from the Federal Home Loan Bank. Current regulations require the Corporation's subsidiary, First Federal Savings Bank, to maintain minimum specific levels of liquid assets, (currently 4%) of cash and eligible investments to deposits and short-term borrowings. At September 30, 1999, the Bank's liquid assets were 8.61% of its liquidity base. The Bank intends to continue to fund loan growth (outstanding loan commitments were $14.2 million at September 30, 1999) and any declines in customer deposits through additional advances from the FHLB. At September 30, 1999, the Bank had an unused approved line of credit in the amount of $24.4 million, and the potential to significantly increase its indebtedness with the FHLB, if necessary, due to its strong financial condition. 10 The Office of Thrift Supervision's capital regulations require savings institutions to meet three capital standards: a 3% Tier I leverage ratio; a 4% Tier I capital ratio; and an 8% risk-based capital standard. As of September 30, 1999, the Bank's actual capital percentages for Tier I leverage of 9.15%, Tier I capital of 13.84%, and current risk-based capital of 14.51%, significantly exceed the regulatory requirement for each category. Year 2000 When the Year 2000 date change occurs at the end of this year, customers of the Bank can be sure their accounts are safe. The Bank has been under the watchful eyes of federal regulators, who have required meticulous Year 2000 preparations over the past year. Important milestones in the renovating and testing process have also been behind us for months and we are on track for a fully compliant Y2K system. Status First Federal Savings Bank's Board of Directors and senior management remains committed to be Year 2000 ready. The Year 2000 team has studied the issue and has guided the Bank through the Year 2000 process. The first steps involved an evaluation of the effects Year 2000 could have on our information systems and other important aspects of our business. A formal Year 2000 plan was then established and filed with the Bank's federal regulators, the Office of Thrift Supervision. The plan has been updated with the primary focus on achieving compliance within established time frames. The Bank's plan has five phases: awareness, assessment, renovation, validation, and implementation. All phases of the Bank's Year 2000 plan were substantially completed as of June 30, 1999. Efforts for the remaining portion of the year will be customer awareness, liquidity needs and contingency planning. First Federal Savings Bank has developed a business resumption or contingency plan, which the Bank will implement in the event certain critical systems fail despite affirmative representations from vendors and favorable test results. These plans will be updated regularly and should enable the Bank to function at a level sufficient to serve the majority of our customer's needs until any Year 2000 problems are resolved. The best way customers can prepare for Year 2000 is to stay informed, keep all bank records, and avoid scam artists. Cost Capital outlays for becoming Year 2000 compliant through September 30, 1999 totaled $497,000 ($328,000, net of tax) all of which was expensed as incurred. As the Bank's initiatives are substantially complete, management anticipates future costs to be minimal and expensed as incurred. Risk First Federal Savings Bank relies upon numerous third-party vendors and infrastructures to provide complete service to our customers, and failure on their part to not becoming Year 2000 compliant could have a material adverse effect on the Bank. Monitoring of the mission critical vendors continues. 11 FIRST FEDERAL FINANCIAL CORPORATION OF KENTUCKY AND SUBSIDIARY Part II - Other Information Item 1. Legal Proceedings Not Applicable Item 2. Changes in Securities Not Applicable Item 3. Defaults Upon Senior Securities Not Applicable Item 4. Submission of Matters to a Vote of Security Holders Not Applicable Item 5. Other Information Not Applicable Item 6. Exhibits: Not Applicable Reports on Form 8-K: Not Applicable 12 FIRST FEDERAL FINANCIAL CORPORATION OF KENTUCKY AND SUBSIDIARY Pursuant to the requirements of Section 13 or 15(d) 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. DATE: November 12, 1999 BY: (S) B. Keith Johnson ---------------------------- B. Keith Johnson President and Chief Executive Officer DATE: November 12, 1999 BY: (S) Richard L. Muse ----------------------------- Richard L. Muse Vice President and Comptroller 13 EX-27 2 FINANCIAL DATA SCHEDULE
9 (This schedule contains summary financial information extracted from the registrant's unaudited consolidated financial statements for the three months ended September 30, 1999 and is qualified in its entirety by reference to such financial statements.) 0000854395 FIRST FEDERAL FINANCIAL CORP. OF KENTUCKY 1,000 U.S. DOLLARS 3-MOS 3-MOS JUN-30-2000 JUN-30-1999 JUL-01-1999 JUL-01-1998 SEP-30-1999 SEP-30-1998 1.000 1.000 8,528,032 8,017,206 7,245,686 763,268 0 0 0 0 2,584,792 2,939,298 38,330,647 51,589,119 37,206,000 54,849,298 417,085,869 376,642,666 2,157,448 2,122,889 499,575,095 467,341,461 400,995,371 382,488,761 37,470,823 23,219,101 6,268,336 6,198,858 0 0 0 0 0 0 3,972,511 4,129,612 50,868,054 51,305,129 499,575,095 467,341,461 8,286,225 7,712,415 814,159 432,242 0 0 9,100,384 8,710,566 4,241,041 4,227,346 4,633,169 4,626,150 4,467,215 4,024,416 89,525 60,000 153,135 108,267 2,998,198 2,772,135 2,341,641 2,099,455 2,341,641 2,099,455 0 0 0 0 1,573,146 1,372,240 0.39 0.33 0.38 0.33 7.76 8.01 2,447,000 2,279,000 0 0 0 0 3,434,000 2,688,000 2,108,000 1,853,000 44,000 7,000 3,000 12,000 2,157,000 2,123,000 0 0 0 0 2,157,000 2,123,000
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