Civic Intelligence

Berkshire Housing Development Corp

990 • Fiscal year 2018 • EIN 04-2483322

Jul 01, 2017 to Jun 30, 2018 • Filed on Oct 15, 2018

Organization ProfileN/A

View Organization Page

PO Box 1180Pittsfield, MA 01202

(413) 499-1630

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

63rd percentile

0.20x

Higher debt load relative to assets than 63% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Liabilities / Revenue

83rd percentile

0.74x

Higher debt load relative to revenue than 83% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Net Margin

78th percentile

20%

Higher net margin than 78% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Top Officer Pay

82nd percentile

$140,274

Higher top officer pay than 82% of similar nonprofits.

Top officer pay equals 10.7% of source-year revenue.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Asset Growth

73rd percentile

11%

Faster asset growth than 73% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2017 to 2018

Revenue Growth

3rd percentile

-64%

Faster revenue growth than 3% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets63rd percentile

Assets

Up

$4,933,820

Up $480,963 (+11%) from 2017

Net Assets

Up

$3,959,754

Up $261,677 (+7.1%) from 2017

Liabilities

Up

$974,066

Up $219,286 (+29%) from 2017

Revenue And Expenses
Liabilities / Revenue83rd percentileNet Margin78th percentile

Revenue

Down

$1,311,456

Down $2,354,956 (-64%) from 2017

Expenses

Up

$1,049,779

Up $60,209 (+6.1%) from 2017

Net Income

Down

$261,677

Down $2,415,165 (-90%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth73rd percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$10M$5.0M$0Assets 2015: $1,352,199Liabilities 2015: $585,734Net Assets 2015: $766,4652015Assets 2016: $1,550,460Liabilities 2016: $529,225Net Assets 2016: $1,021,2352016Assets 2017: $4,452,857Liabilities 2017: $754,780Net Assets 2017: $3,698,0772017Assets 2018: $4,933,820Liabilities 2018: $974,066Net Assets 2018: $3,959,7542018Assets 2019: $5,343,161Liabilities 2019: $678,151Net Assets 2019: $4,665,0102019Assets 2020: $6,689,987Liabilities 2020: $678,600Net Assets 2020: $6,011,3872020Assets 2021: $7,085,718Liabilities 2021: $484,020Net Assets 2021: $6,601,6982021Assets 2022: $8,403,585Liabilities 2022: $688,887Net Assets 2022: $7,714,6982022Assets 2023: $8,354,932Liabilities 2023: $721,147Net Assets 2023: $7,633,7852023Assets 2024: $8,274,911Liabilities 2024: $634,433Net Assets 2024: $7,640,4782024

Highlighted filing

2018

Assets$4,933,820
Liabilities$974,066
Net Assets$3,959,754
Open 2018 Filing

Operations Trend

Revenue Growth3rd percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$4.0M$3.0M$2.0M$1.0M$0-$1.0MRevenue 2015: $550,232Expenses 2015: $447,051Net Income 2015: $103,1812015Revenue 2016: $1,251,573Expenses 2016: $996,803Net Income 2016: $254,7702016Revenue 2017: $3,666,412Expenses 2017: $989,570Net Income 2017: $2,676,8422017Revenue 2018: $1,311,456Expenses 2018: $1,049,779Net Income 2018: $261,6772018Revenue 2019: $1,853,390Expenses 2019: $1,148,134Net Income 2019: $705,2562019Revenue 2020: $2,746,025Expenses 2020: $1,399,648Net Income 2020: $1,346,3772020Revenue 2021: $2,469,428Expenses 2021: $1,879,117Net Income 2021: $590,3112021Revenue 2022: $3,182,367Expenses 2022: $2,069,367Net Income 2022: $1,113,0002022Revenue 2023: $2,702,603Expenses 2023: $2,783,516Net Income 2023: -$80,9132023Revenue 2024: $3,744,372Expenses 2024: $3,487,679Net Income 2024: $256,6932024

Highlighted filing

2018

Revenue$1,311,456
Expenses$1,049,779
Net Income$261,677
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2017 to Jun 30, 2018
Signed
Oct 15, 2018
Return Version
2017v2.2
Gross Receipts
$1,385,607
Mission and Program Overview

Mission

Development and operation of housing and community development projects and programs that benefit low and moderate income people. Most significant current activities are developing affordable housing, administering the Section 8 HCV Program, administering housing assistance programs including RAFT, HomeBASE and Neighbor to Neighbor and operating the regionb

Development and operation of housing and community development projects and programs that benefit low and moderate income people. Most significant current activities are developing affordable housing, administering the Section 8 HCV Program, administering housing assistance programs including RAFT, HomeBASE and Neighbor to Neighbor and operating the regions Housing Consumer Education Center.

Balance Sheet Detail
LineBeginningEndChange
Assets
Receivables From Officers Etc$2,760,098$2,734,619▼ $25,479
Accounts Receivable$555,651$899,363▲ $343,712
Land, Buildings, and Equipment, Net$365,040$358,351▼ $6,689
Cash and Non-Interest-Bearing Accounts$144,412$304,334▲ $159,922
Savings and Temporary Cash Investments$170,490$24,296▼ $146,194
Prepaid Expenses and Deferred Charges$4,653$8,437▲ $3,784
Investments Other Securities$5,000$5,000→ $0
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$4,452,857$4,933,820▲ $480,963
Other Assets Total$447,513$599,420▲ $151,907
Liabilities
Mortgage Notes Payable Secured by Investment Property$300,000$519,696▲ $219,696
Unsecured Notes Loans Payable$243,925$243,925→ $0
Other Liabilities$139,502$133,469▼ $6,033
Accounts Payable and Accrued Expenses$71,353$76,976▲ $5,623
Total Liabilities$754,780$974,066▲ $219,286
Net Assets / Fund Balance
Unrestricted Net Assets$3,698,077$3,959,754▲ $261,677
Total Net Assets Fund Balance$3,698,077$3,959,754▲ $261,677
Total Liabilities and Net Assets / Fund Balance$4,452,857$4,933,820▲ $480,963

Asset Categories

AssetBook ValueDepreciationBasis
Land$316,076-$316,076
Equipment$15,975$17,738$33,713
Leasehold Improvements$26,300$6,527$32,827
Other Assets Org$7,914--
Compensation and Service Providers
Top Officer Pay82nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Elton OgdenPresidentFT$140,274$140,274
Lisa WrightVice PresidentFT$99,808$99,808

Board Members and Trustees

NameTitle
Michael FerryChairman
Jay AndersonVice Chairman
Jackie McninchDirector
Jay SacchettiDirector
Paula LewisDirector
Steven OwensDirector
Andrew HochbergClerk
Arthur MilanoTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$353,661
Program Service Revenue
$938,183
Investment Income
$7,186
Other Revenue
$12,426
All Other Contributions
$3,500
Change in Net Assets
$261,677
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$763,129
Other Expenses$286,650
Total Fundraising Expense$12,467
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$320,968$25,830$1,996$348,794
Current Officers, Directors, Trustees, and Key Employees$66,594$166,474$7,014$240,082
Other Employee Benefits$60,505$40,430$140$101,075
Occupancy$37,109$9,277-$46,386
Payroll Taxes$31,189$14,423$676$46,288
Pension Plan Contributions$20,971$5,378$541$26,890
Fees for Services Accounting-$21,255-$21,255
Insurance$12,921$3,261$125$16,307
Office Expenses$11,908$3,014$150$15,072
All Other Expenses$6,256$4,797-$11,053
Depreciation Depletion$5,352$1,338-$6,690
Interest-$4,893-$4,893
Other Expenses$3,294$824$125$4,118
Payment Travel Entrtnmnt Publicly Ofcl-$1,700$200$1,900
Fees for Services Legal-$788-$788
Conferences and Meetings-$448-$448
Advertising-$230-$230
Total Functional Expenses$592,085$445,227$12,467$1,049,779
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$2,760,098$2,734,619▼ $25,479
Receivables from Disqualified Persons-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Accrued Salaries and Vacation$94,350
Due To/from Bhsi$17,391
AP Reuse funds$12,329
Accrued Interest - CEDAC$3,862
Security Deposits Payable$3,504
Accrued Bond Interest$2,033
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 11B: Form 990 Review Process

“The board of directors will review in detail the form 990 before the form is to be filed.”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“The CEO salary range was established by the board prior to filling the position. The range was based on a review of salaries of similar regional nonprofit housing organizations in the Mass Regional Housing Network.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“A salary study was performed by a board subcommittee and the HR administrator to establish salary ranges. The study used available National data adjusted for location and data collected from the other Regional Non Profits.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“They are available upon request.”

Filing and Contact Details

Filer

Filer Name
Berkshire Housing Development
EIN
04-2483322
Phone
4134991630
Address
PO BOX 1180, PITTSFIELD, MA 01202

Signing Officer

Name
Elton Ogden
Title
President
Phone
4134991630
Signed
2018-10-15
Discuss with paid preparer
Yes

Organization Details

Formed
1971
Legal Domicile
Ma
Voting Board Members
8
Independent Board Members
8
Employees
13

Preparer

Firm
Lombardi Clairmont & Keegan CPAs
Address
35 Pearl Street, Pittsfield, MA 01201-4718
Preparer
Barry J Clairmont
Phone
4134993733
Supplemental Narrative

Additional Explanations

Form 990, Part III, Line 4D: Other Program Services Description

“OTHER PROGRAM SERVICES 4: Berkshire Housing administers the Section 8 Housing Choice Voucher and Section 8 Mod Rehab rental assistance programs in Berkshire County under contract with DHCD. Section 8 rental vouchers provide rent subsidies to more than 570 low-income families who reside in privately owned housing throughout the County. The Section 8 Mod Rehab are Project Based rent subsidies attached to specific apartments located in privately owned buildings in Pittsfield, Massachusetts. OTHER PROGRAM SERVICES 5: OTHER PROGRAM SERVICES”

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IRS990/MissionDesc0Development and operation of housing and community development projects and programs that benefit low and moderate income people. Most significant current activities are developing affordable housing, administering the Section 8 HCV Program, administering housing assistance programs including RAFT, HomeBASE and Neighbor to Neighbor and operating the regions Housing Consumer Education Center.
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IRS990/OfficeExpensesGrp/TotalAmt015072
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IRS990/OperateHospitalInd0false
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IRS990/OrganizationFollowsSFAS117Ind0X
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IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt0140
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IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt060505
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0101075
IRS990/OtherExpensesGrp/Desc0CONSULTING EXPENSE
IRS990/OtherExpensesGrp/Desc1DATA PROCESSING
IRS990/OtherExpensesGrp/Desc2Postage and Shipping
IRS990/OtherExpensesGrp/Desc3MISCELLANEOUS
IRS990/OtherExpensesGrp/FundraisingAmt01500
IRS990/OtherExpensesGrp/FundraisingAmt1125
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0126427
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt112512
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt21928
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt3824
IRS990/OtherExpensesGrp/ProgramServicesAmt07432
IRS990/OtherExpensesGrp/ProgramServicesAmt17586
IRS990/OtherExpensesGrp/ProgramServicesAmt23294
IRS990/OtherExpensesGrp/TotalAmt0135359
IRS990/OtherExpensesGrp/TotalAmt112512
IRS990/OtherExpensesGrp/TotalAmt29639
IRS990/OtherExpensesGrp/TotalAmt34118
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IRS990/OtherLiabilitiesGrp/EOYAmt0133469
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt01996
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt025830
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0320968
IRS990/OtherSalariesAndWagesGrp/TotalAmt0348794
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IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt0676
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt014423
IRS990/PayrollTaxesGrp/ProgramServicesAmt031189
IRS990/PayrollTaxesGrp/TotalAmt046288
IRS990/PensionPlanContributionsGrp/FundraisingAmt0541
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt05378
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt020971
IRS990/PensionPlanContributionsGrp/TotalAmt026890
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IRS990/PoliticalCampaignActyInd0false
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt08437
IRS990/ProfessionalFundraisingInd0false
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0938183
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0938183
IRS990/ProgSrvcAccomActy2Grp/Desc0HCEC - The Housing Consumer Education Center serves as a single source of information, referrals and services for anyone with a housing related issue. Tenants, landlords, prospective buyers, and homeowners can access information designed to maximize housing stability, strengthen investments, and minimize disputes. Through our programs and supports, we strive to prevent homelessness, foster economic self-sufficiency, and ensure housing stability for everyone in the Berkshire County area.
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IRS990/ProgSrvcAccomActy2Grp/RevenueAmt0213840
IRS990/ProgSrvcAccomActy3Grp/Desc0Good Samaritan - Berkshire Housings staff operates the Good Samaritan Homeownership Program which is a CHAPA-certified homebuyer counseling program. Staff conduct quarterly homeownership education classes for prospective first-time homebuyers of lower and moderate incomes and ongoing one to one pre-purchase and post purchase counseling on an as needed basis. The classes are held in Pittsfield, Williamstown and other Berkshire communities. BHDC also services an existing portfolio of down payment assistance mortgages and HUD HOME funded second mortgages given to low and moderate income first time homebuyers.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt020922
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt0174996
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt02746040
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt015167
IRS990/PymtTravelEntrtnmntPubOfclGrp/FundraisingAmt0200
IRS990/PymtTravelEntrtnmntPubOfclGrp/ManagementAndGeneralAmt01700
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt01900
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IRS990/PYOtherRevenueAmt08466
IRS990/PYProgramServiceRevenueAmt0896739
IRS990/PYRevenuesLessExpensesAmt02676842
IRS990/PYSalariesCompEmpBnftPaidAmt0718475
IRS990/PYTotalExpensesAmt0989570
IRS990/PYTotalRevenueAmt03666412
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt02760098
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt02734619
IRS990/ReconcilationRevenueExpnssAmt0261677
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0true
IRS990/RelatedOrganizationCtrlEntInd0true
IRS990/RentalIncomeOrLossGrp/RealAmt012426
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0531738
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
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IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt0246193
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt040340
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IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt012742
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IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt0896739
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt0981228
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt0486160
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt03266227
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IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt07186
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt015167
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt014016
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt012742
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt049111
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
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IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus1YearAmt08466
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IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus3YearsAmt010990
IRS990ScheduleA/OtherIncome509Grp/TotalAmt065675
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IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt01119440
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Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$4,933,820
Liabilities
$974,066
Net assets
$3,959,754
Revenue
$1,311,456
Expenses
$1,049,779
Net income
$261,677
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$8.27$0.63$7.64$3.74$3.49$0.26
2023Detailed filing. Detailed filing data is available for this year.$8.35$0.72$7.63$2.70$2.78$0.08
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.40$0.69$7.71$3.18$2.07$1.11
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.09$0.48$6.60$2.47$1.88$0.59
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.69$0.68$6.01$2.75$1.40$1.35
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.34$0.68$4.67$1.85$1.15$0.71
2018Detailed filing. Detailed filing data is available for this year.$4.93$0.97$3.96$1.31$1.05$0.26
2017Detailed filing. Detailed filing data is available for this year.$4.45$0.75$3.70$3.67$0.99$2.68
2016Summary only. Only limited summary data is available for this year.$1.55$0.53$1.02$1.25$1.00$0.25
2015Summary only. Only limited summary data is available for this year.$1.35$0.59$0.77$0.55$0.45$0.10