-----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, EVSlg6T5e4DReZy8bcJWJA08ecJWAuRxImqLKiRW9RlgF2WTtEoKIysUuje2sqiQ LdPAhi9UAh9+NM1m69Q/Fw== 0000914317-00-000400.txt : 20000516 0000914317-00-000400.hdr.sgml : 20000516 ACCESSION NUMBER: 0000914317-00-000400 CONFORMED SUBMISSION TYPE: 10QSB PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20000331 FILED AS OF DATE: 20000515 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FFW CORP CENTRAL INDEX KEY: 0000895401 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 351875502 STATE OF INCORPORATION: DE FISCAL YEAR END: 0630 FILING VALUES: FORM TYPE: 10QSB SEC ACT: SEC FILE NUMBER: 000-21170 FILM NUMBER: 635420 BUSINESS ADDRESS: STREET 1: 1205 N CASS STREET STREET 2: PO BOX 419 CITY: WABASH STATE: IN ZIP: 46992-1027 BUSINESS PHONE: 2195633185 MAIL ADDRESS: STREET 1: 1205 N CASS ST STREET 2: PO BOX 419 CITY: WABASH STATE: IN ZIP: 46992 10QSB 1 SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-QSB [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2000 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 0-21170 FFW CORPORATION (Exact name of small business issuer as specified in its charter) Delaware 35-1875502 (State or other jurisdiction of (I.R.S. Employer incorporation or organization) identification or Number) 1205 North Cass Street, Wabash, IN 46992 (Address of principal executive offices) (219) 563-3185 (Issuer's telephone number) 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 [ ] Transitional Small Business Disclosure Format (check one): Yes [ ] No [X] State the number of shares outstanding of each of the issuer's classes of common equity, as of the latest date: As of May 12, 2000 there were 1,423,527 shares of the Registrant's common stock issued and outstanding. FFW CORPORATION INDEX PART I. FINANCIAL INFORMATION (unaudited) PAGE NO. Item 1. Consolidated Financial Statements (Condensed) Consolidated Balance Sheets March 31, 2000 3 and June 30, 1999 Consolidated Statements of Income for the 4 three months and nine months ended March 31, 2000 and 1999. Consolidated Statements of Cash Flows for the nine 5 months ended March 31, 2000 and 1999. Notes to Consolidated Financial Statements 7 Item 2. Management's Discussion and Analysis of Financial 8 Condition and Results of Operations PART II. OTHER INFORMATION Item 1. Legal Proceedings 13 Item 2. Change In Securities 13 Item 3. Defaults Upon Senior Securities 13 Item 4. Submissions of Matter to a Vote of Security Holders 13 Item 5. Other Information 13 Item 6. Exhibits and Reports on Form 8-K 13 Signature page 14
PART I: FINANCIAL INFORMATION FFW CORPORATION CONSOLIDATED BALANCE SHEETS (Unaudited) March 31 June 30 ASSETS : 2000 1999 - ------- ------------- ------------- Cash and due from financial institutions .................................. $ 4,247,360 $ 4,650,866 Interest-earning deposits in financial institutions - short term .......... 3,750,969 188,369 ------------- ------------- Cash and cash equivalents ........................................ 7,998,329 4,839,235 Securities available for sale ............................................. 52,245,573 51,028,563 Loans receivable, net of allowance for loan losses of $1,566,205 in March and $1,623,293 in June ........................................... 149,192,571 151,491,090 Stock in Federal Home Loan Bank, at cost .................................. 3,400,900 3,400,900 Accrued interest receivable ............................................... 1,420,311 1,616,479 Premises and equipment-net ................................................ 2,096,809 2,124,656 Investment in limited partnership .................................... 604,062 626,087 Other assets .............................................................. 2,718,347 2,361,884 ------------- ------------- Total assets ............................................ $ 219,676,902 $ 217,488,894 ============= ============= LIABILITIES AND SHAREHOLDERS' EQUITY: Liabilities: Non interest-bearing demand deposits ...................................... $ 9,323,479 $ 8,171,372 Savings, Now and MMDA deposits ............................................ 48,025,857 52,860,423 Other time deposits ....................................................... 76,729,973 69,369,558 ------------- ------------- Total deposits ................................................... 134,079,309 130,401,353 Federal Home Loan Bank advances ........................................... 63,877,262 66,300,388 Obligation relative to limited partnership ........................... 75,000 75,000 Accrued interest payable .................................................. 1,045,589 196,256 Accrued expenses and other liabilities ................................... 1,366,393 1,159,057 ------------- ------------- Total liabilities ................................................ 200,443,553 198,132,054 Shareholders' equity: Preferred stock, $.01 par value, 500,000 shares authorized none issued .... -- -- Common stock, $.01 par value, 2,000,000 shares authorized, 1,798,513 shares issued and 1,418,763 outstanding at March 31 2000; 1,785,288 shares issued and 1,441,224 shares outstanding at June 30, 1999 ............. 17,985 17,853 Additional paid-in capital ............................................... 9,095,285 8,965,882 Retained earnings ......................................................... 15,121,807 13,970,694 Accumulated other comprehensive income .................................... (1,418,138) (455,386) Unearned Employee Stock Ownership Plan shares ............................. 0 (52,331) Treasury Stock at cost, 379,750 at March 31, 2000 and 344,064 at June 30, 1999 .................................................... (3,583,590) (3,089,872) ------------- ------------- Total shareholders' equity ............................... 19,233,349 19,356,840 Total liabilities and shareholders' equity .............. $ 219,676,902 $ 217,488,894 ============= =============
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PART I: FINANCIAL INFORMATION FFW CORPORATION CONSOLIDATED STATEMENTS OF INCOME (Unaudited) Three Months Ended Nine Months Ended March 31 March 31 2000 1999 2000 1999 ------------ ------------ ------------ ------------ Interest income: Loans receivable, including fees Mortgage loans ................................. $ 1,449,123 $ 1,494,289 $ 4,347,202 $ 4,633,047 Consumer and other loans ....................... 1,771,114 1,570,559 5,281,516 4,653,558 Securities Taxable ........................................ 797,607 735,728 2,359,370 2,226,504 Nontaxable ..................................... 115,178 108,784 342,951 355,498 Other interest-earning assets ........................... 47,952 52,706 105,202 138,658 ------------ ------------ ------------ ------------ Total interest income .......................... 4,180,974 3,962,066 12,436,241 12,007,265 Interest expense : Deposits ................................................ 1,468,884 1,422,219 4,402,237 4,389,019 FHLB advances ........................................... 921,002 857,708 2,737,492 2,697,829 ------------ ------------ ------------ ------------ Total interest expense Net interest income .............................................. 1,791,088 1,682,139 5,296,512 4,920,417 Provision for loan losses ............................... 135,000 620,000 485,000 860,000 ------------ ------------ ------------ ------------ Net interest income after provision for loan losses .............. 1,656,088 1,062,139 4,811,512 4,060,417 Non-interest income : Net gains(losses) on sales of securities ................ -- 739,667 (34,224) 734,835 Net gains on sales of loans ............................. 979 31,395 7,993 138,287 Other income ............................................ 258,490 274,506 915,430 859,497 ------------ ------------ ------------ ------------ Total non-interest income ...................... 259,469 1,045,568 889,199 1,732,619
Non-interest expense : Compensation and benefits ............................... 536,068 518,289 1,550,080 1,560,396 Occupancy and equipment ................................. 94,205 92,379 284,683 278,005 Data processing ......................................... 122,611 126,546 343,376 347,311 Other expense ........................................... 325,732 510,658 973,250 1,166,574 ------------ ------------ ------------ ------------ Total non-interest expense ..................... 1,078,616 1,247,872 3,151,389 3,352,286 ------------ ------------ ------------ ------------ Income before income taxes ....................................... 836,941 859,835 2,549,322 2,440,750 Provision for income taxes .............................. 275,827 306,596 891,302 867,299 ------------ ------------ ------------ ------------ Net income ....................................................... $ 561,114 $ 553,239 $ 1,658,020 $ 1,573,451 ============ ============ ============ ============ Comprehensive income ............................................. $ 892,912 $ (98,149) $ 695,268 $ 1,040,989 ============ ============ ============ ============ Earnings per common and common equivalent shares : Basic ................................................... $ .39 $ .39 $ 1.16 $ 1.10 Diluted ................................................. $ .39 $ .38 $ 1.14 $ 1.08 Dividends ........................................ $ .12 $ .105 $ .36 $ .315 Diluted weighted average common shares outstanding 1,448,500 1,463,052 1,449,757 1,453,333
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PART I: FINANCIAL INFORMATION FFW CORPORATION CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) Nine Months Ended March 31 2000 1999 ------------ ------------ Cash flows from operating activities : Net income ................................................. $ 1,658,020 $ 1,573,451 Adjustments to reconcile net income to net cash from operating activities : Depreciation and amortization, net of accretion ........ (21,962) (63,957) Provision for loan losses .............................. 485,000 860,000 Net (gains) losses on sale of : Securities available for sale ..................... 34,224 (734,835) Loans held for sale ........................... (7,994) (138,287) Foreclosed real estate and repossessed assets ..... (49,994) (32,859) Origination of loans held for sale ..................... (984,300) (13,240,945) Proceeds from sale of loans held for sale .............. 992,294 13,415,703 ESOP expenses .......................................... 126,981 235,706 Net change in accrued interest receivable and other assets ....................................... 7,548 (685,573) Amortization of goodwill and core deposit intangibles .. 117,261 117,261 Net change in accrued interest payable, accrued expenses and other liabilities .................... 1,066,922 928,596 ------------ ------------ Total adjustments ........................ 1,765,890 660,810 ------------ ------------ Net cash from operating activities ................ 3,423,910 2,234,261 Cash flows from investing activities : Proceeds from : Sales/calls of securities available for sale ...... 2,980,941 11,569,123 Maturities of securities available for sale ....... 780,000 9,545,000 Purchase of : Securities available for sale ............... (6,731,521) (23,879,883) Federal Home Loan Bank Stock ...................... -- (675,000) Principal collected on mortgage- backed securities ..... 252,211 433,442 Net change in loans receivable ......................... 1,379,790 (8,797,974) Net purchases premises and equipment ................... (119,100) (110,754) Investment in limited partnership ...................... -- (168,750) Proceeds from sales of other real estate and Repossessed assets ................................ 894,026 879,270 ------------ ------------ Net cash from investing activities ................ (563,653) (11,205,526)
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PART I: FINANCIAL INFORMATION FFW CORPORATION CONSOLIDATED STATEMENTS OF CASH FLOWS (Continued) Nine Months Ended March 31 2000 1999 ------------ ------------ Cash flows from financing activities : Net increase in deposits ................................ 3,677,956 6,531,414 Proceeds from short-term borrowings ..................... 70,626,267 19,000,000 Payment on short-term borrowings ........................ (73,049,393) (12,000,000) Purchase of Treasury Stock .............................. (493,718) (365,387) Proceeds from exercising of stock options ............... 54,885 21,125 Cash dividends paid ..................................... (517,160) (455,411) ------------ ------------ Net cash from financing activities 298,837 12,731,741 ------------ ------------ Net increase (decrease) in cash and cash equivalents................ 3,159,094 3,760,476 Cash and cash equivalents at beginning of period ................... 4,839,235 4,410,352 ------------ ------------ Cash and cash equivalents at end of period ......................... $ 7,998,329 $ 8,170,828 ============ ============
-6- FFW CORPORATION NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED) (1) Basis of Presentation The accompanying unaudited Consolidated Financial Statements have been prepared in accordance with generally accepted accounting principles for interim financial information and with the instructions to Form 10-QSB and Regulation S-B. Accordingly, they do not include all the information and footnotes required by generally accepted accounting principles for complete financial statements. In the opinion of management, the Consolidated Financial Statements contain all adjustments (consisting only of normal recurring adjustments) necessary to represent fairly the financial condition of FFW Corporation as of March 31, 2000 and June 30, 1999 and the results of its operations, for the three and the nine months ended March 31, 2000 and 1999. Financial Statement reclassifications have been made for the prior period to conform to classifications used as of and for the period ended March 31, 2000. Operating results for the three and nine months ended March 31, 2000 are not necessarily indicative of the results that may be expected for the fiscal year ended June 30, 2000. -7- PART II FFW CORPORATION MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS GENERAL The accompanying Consolidated Financial Statements includes the accounts of FFW Corporation (the "Company") and its wholly owned subsidiaries, First Federal Savings Bank of Wabash (the "Bank") and FirstFed Financial of Wabash, Inc. All significant inter-company transactions and balances are eliminated in consolidation. The Company's results of operations are primarily dependent on the Bank's net interest margin, which is the difference between interest income on interest-earning assets and interest expense on interest-bearing liabilities. The Bank's net income is also affected by the level of its non-interest expenses, such as employee compensation and benefits, occupancy expenses, and other expenses. FORWARD-LOOKING STATEMENTS Except for historical information contained herein, the matters discussed in this document, and other information contained in the Company's SEC filings, may express "forward-looking statements." Those "forward-looking statements" may involve risk and uncertainties, including statements concerning future events, performance and assumptions and other statements that are other than statements of historical facts. The Company wishes to caution readers not to place undue reliance on any forward-looking statements, which speak only as of the date made. Readers are advised that various factors--including, but not limited to, changes in laws, regulations or generally accepted accounting principles; the Company's competitive position within the markets served; increasing consolidation within the banking industry; unforeseen changes in interest rates; any unforeseen downturns in the local, regional or national economies--could cause the Company's actual results or circumstances for future periods to differ materially from those anticipated or projected. The Company does not undertake - and specifically declines any obligation - to publicly release the result of any revisions which may be made to any forward-looking statements to reflect events or circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated events. COMPARISON OF THREE-MONTH AND NINE-MONTH PERIODS ENDED MARCH 31, 2000 AND 1999 Net income for the three-month and nine-month periods ended March 31, 2000 was $561,000 and $1,658,000 respectively, compared to $553,000 and $1,573,000 for the equivalent periods in 1999. These moderate increases were primarily the result of increases in net interest income and decreases in provision for loan losses and non-interest expense, offset by a decrease in non-interest income. Diluted net income per common share increased by $0.01 to $0.39 for the three month period ending March 31, 2000 when compared to the equivalent period in 1999; whereas, diluted net income per common share increased to 1.14 for the nine-month period ended March 31, 2000 from $1.08 for the nine months ended March 31, 1999. Return on average shareholders' equity was 11.6% for the nine months ended March 31, 2000, compared to 10.6% in 1999. The return on total average assets was 1.01% for the nine months ended March 31, 2000, compared to 0.99% in 1999. -8- NET INTEREST INCOME The net interest income for the three-month period ended March 31, 2000, was $1,791,000, an increase of 6.5% over the same period in 1999, resulting in a net yield of 3.46% compared to 3.29% in 1999. The net interest income for the nine-month period ended March 31, 2000, was $5,296,000, an increase of 7.6% over the same period in 1999, resulting in a net yield of 3.38% compared to 3.24% in 1999. Total average earning assets increased $2,563,000 and $6,444,000, respectively, for the three-month and nine-month periods ended March 31, 2000, over the comparative periods in 1999. Total average investment securities increased $250,000 and $240,000, respectively for the three-month and nine-month periods over one year ago. Total average loans increased $3,795,000 and $7,099,000, respectively for the three-month and nine-month periods over one year ago. The yields on total average earning assets were 8.07% and 7.74% for the three month periods ended March 31, 2000, and 1999, and 7.93% and 7.90% for the nine-month periods ended March 31, 2000, and 1999, respectively. The following tables set forth consolidated information regarding average balances and rates.
FFW Corp Three Months Ending 3/31/2000 3/31/1999 Average Average Average Average Interest-earning assets: Balance Interest Rate Balance Interest Rate - ------------------------ ------- -------- ----- ------- -------- ---- Loans $152,062 $3,220 8.47% $148,267 $3,065 8.27% Securities 53,063 913 6.88% 52,813 844 6.39% Other interest-earning assets 2,201 48 8.72% 3,683 53 5.76% ------- ----- ---- ------- ----- ---- Total interest-earning assets 207,326 4,181 8.07% 204,763 3,962 7.74% Non interest-earning assets Cash and due from 5,442 4,519 Allowance for loan losses (1,555) (1,186) Other non interest-earning assets 6,076 6,662 ------- -------- Total assets $217,289 $214,758 ======= ======== Interest-bearing liabilities: - ----------------------------- Interest-bearing deposits $123,724 1,469 4.75% $121,658 1,422 4.68% FHLB advances 64,381 921 5.72% 61,843 858 5.55% ------- ----- ---- ------- ----- ---- Total interest-bearing liabilities 188,105 2,390 5.08% 183,501 2,280 4.97% Non interest-bearing deposit accounts 9,207 8,446 Other non interest-bearing liabilities 1,118 2,857 ------- ------- Total liabilities 198,430 194,804 Shareholders' equity 18,859 19,954 ------- ------- Total liabilities and shareholders equity $217,289 $214,758 ======== ======== Net interest income $1,791 $1,682 ====== ====== Net interest margin 3.46% 3.29% ==== ====
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FFW Corp Nine Months Ending 3/31/2000 3/31/1999 Average Average Average Average Interest-earning assets: Balance Interest Rate Balance Interest Rate - ------------------------ ------- -------- ----- ------- -------- ---- Loans ........................................ $153,570 $9,629 8.36% $146,471 $9,286 8.45% Securities ................................... 53,554 2,702 6.73% 53,314 2,582 6.46% Other interest-earning assets ................ 1,912 105 7.32% 2,807 139 6.60% ------- ----- ---- ------- ----- ---- Total interest-earning assets ........... 209,036 12,436 7.93% 202,592 12,007 7.90% Non interest-earning assets Cash and due from ............................ 5,778 4,441 Allowance for loan losses .................... (1,595) (1,096) Other non interest-earning assets ............ 6,381 6,804 ------- ------- Total assets ............................ $219,600 $212,741 ======== ======== Interest-bearing liabilities: - ----------------------------- Interest-bearing deposits .................... $124,824 4,402 4.70% $120,081 4,389 4.87% FHLB advances ................................ 65,184 2,738 5.60% 61,726 2,698 5.83% ------- ----- ---- ------- ----- ---- Total interest-bearing liabilities ...... 190,008 7,140 5.01% 181,807 7,087 5.20% Non interest-bearing deposit accounts ........ 8,991 7,940 Other non interest-bearing liabilities ....... 1,504 3,230 -------- -------- Total liabilities ....................... 200,503 192,977 Shareholders' equity ......................... 19,097 19,764 -------- -------- Total liabilities and shareholders equity $219,600 $212,741 ======== ======== $ 5,296 $4,920 Net interest income .......................... ======== ====== Net interest margin .......................... 3.38% 3.24% ==== ====
-10- PROVISION FOR LOAN LOSSES The provision for loan losses for the three-month period ended March 31, 2000 and 1999, was $135,000 and $485,000, respectively, and was $620,000 and $860,000 for the nine-month periods ended March 31, 2000 and 1999. Net charge-offs of $141,000 have been recorded for the three-month period ended March 31, 2000, compared to $124,000 of net charge-offs for the same period in 1999. Year-to-date net charge-offs of $542,000 have been recorded in the nine-month period ended March 31, 2000, compared to net charge-offs of $234,000 for the comparative period ended March 31, 1999. The allowance for loan losses was $1,566,000 or 1.04% of net loans as of March 31, 2000, compared to $1,623,060 or 1.07% of net loans at June 30, 1999. Non-performing assets at March 31, 2000, were $364,000 compared to $842,000 at June 30, 1999, a decrease of 56.7%. At March 31, 2000, non-performing assets were .24% of net loans compared to .56% at June 30, 1999. It is management's opinion that the allowance for loan losses is adequate to absorb existing losses in the loan portfolio as of March 31, 2000. NON-INTEREST INCOME Non-interest income for the three-month periods ended March 31, 2000 and 1999 was $259,000 and $889,000, respectively, and for the nine-month periods was $1,046,000 in 2000 and $1,733,000 in 1999. These decreases from the prior period are primarily the result of an early call on a mortgage-backed security during March 1999, resulting in a gain of $732,000 during the prior period. NON-INTEREST EXPENSE Non-interest expense for the three-month period ended March 31, 2000, was $1,079,000, a decrease of 13.5% compared to the same period in 1999 and was $3,151,000 for the nine-month period ended March 31, 2000, a decrease of 6.0% from 1999. For the nine-month period ended March 31, 2000, compensation and employee benefits decreased 0.7%, occupancy and equipment expense increased 2.4%, data processing expense decreased 1.1% and other non-interest expense decreased 16.6% over the same period in 1999. Other non-interest expense decreased due primarily to a $130,000 write down of repossessed assets during the prior period. INCOME TAXES The provision for income taxes for the three-month and nine-month periods ended March 31, 2000, was $276,000 and $891,000, respectively, compared to $307,000 and $867,000 for the comparable periods in 1999. The provision for income taxes for the nine months ended March 31, 2000, is at a rate which management believes approximates the effective rate for the year ending June 30, 2000. REGULATORY CAPITAL REQUIREMENTS Pursuant to the Financial Institution Reform, Recovery, and Enforcement Act of 1989 ("FIRREA"), savings institutions must meet three separate minimum capital-to-asset requirements. As of March 31, 2000, the Bank maintains risk-based, core capital and tangible capital ratios of 13.15%, 7.68% and 7.68% compared to capital requirements of 8.00%, 4.00% and 1.50%, respectively. -11- LIQUIDITY AND CAPITAL RESOURCES The standard measure of liquidity for savings associations is the ratio of cash and eligible investments to a certain percentage of net withdrawalable savings accounts and borrowings due within one year. The minimum required ratio is currently set by the Office of Thrift Supervision Regulation at 5.0%. At March 31, 2000, the Bank's liquidity ratio was 8.78%. -12- Part II - Other Information --------------------------- As of March 31, 2000, management is not aware of any current recommendations by regulatory authorities which, if they were to be implemented, would have or are reasonably likely to have a material adverse effect on the Company's liquidity, capital resources or operations. 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 and Reports on Form 8-K -------------------------------- Not Applicable -13- SIGNATURES Pursuant to the requirement 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. FFW CORPORATION Registrant Date: May 15, 2000 /S/Roger K. Cromer ------------ ------------------ Roger K. Cromer Acting President and CEO/Treasurer and Chief Financial Accounting Officer -14- EX-27 2
9 1,000 9-MOS JUN-30-2000 MAR-31-2000 4,247 3,751 0 0 52,246 0 0 150,759 1,566 219,677 134,079 63,877 2,487 0 0 0 18 18,540 219,677 9,629 2,702 105 12,436 4,402 7,140 5,296 485 (34) 3,151 2,549 2,549 0 0 1,658 1.16 1.14 3.38 359 0 0 0 1,623 605 63 1,566 1,228 0 337
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