QUARTERLY HIGHLIGHTS

12 Months Ended

Oct. 31, 2013

14. QUARTERLY HIGHLIGHTS (Unaudited)

	First Quarter			Second Quarter			Third Quarter			Fourth Quarter
2013 (In thousands, except per share data)

Sales and service fees	$	44,085		$	49,619		$	45,158		$	53,942

Gross profit		12,916			15,283			11,715			15,142

Gross profit margin		29	%		31	%		26	%		28	%

Selling, general and administrative expenses		8,920			10,679			10,012			11,802

Operating income		3,996			4,604			1,703			3,340

Provision for income taxes		1,445			1,329			263			1,215

Net income		2,254			3,183			854			1,899

Income per common share - basic	$	0.35		$	0.49		$	0.13		$	0.29

Income per common share - diluted	$	0.34		$	0.48		$	0.13		$	0.29

	First Quarter			Second Quarter			Third Quarter			Fourth Quarter
2012 (In thousands, except per share data)

Sales and service fees	$	51,126		$	45,965		$	49,959		$	56,067

Gross profit		16,484			13,393			16,084			17,220

Gross profit margin		32	%		29	%		32	%		31	%

Selling, general and administrative expenses		9,730			9,288			10,272			11,870

Operating income		6,754			4,105			5,812			5,350

Provision for income taxes		2,263			1,103			1,641			1,219

Net income		4,633			2,962			3,957			4,086

Income per common share - basic	$	0.71		$	0.46		$	0.61		$	0.63

Income per common share - diluted	$	0.71		$	0.45		$	0.61		$	0.63

- Definition

The entire disclosure for the quarterly financial data in the annual financial statements. The disclosure may include a tabular presentation of financial information for each fiscal quarter for the current and previous year, including revenues, gross profit, income or loss before extraordinary items and earnings per share data. It also includes an indication if the information in the note is unaudited, comments on the aggregate effect of year-end adjustments, and an explanation of matters or transactions that affect comparability or are pertinent to an understanding of the information furnished.

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