text: (a) The goodwill impairment charge in fiscal 2009 reduced operating income by $36,605, net income by $23,000 and net income per share by $0.54. 
  (b) Prior to 2004, the Company did not record SAR or stock option expense as it was not required by Generally Accepted Accounting Principles. 
  (c) Return on assets is calculated as net income divided by monthly average assets, exclusive of the goodwill impairment. 
  (d) Return on equity is calculated as net income divided by the average shareholders' equity (beginning of the year and end of the year divided by 2). 