Civic Intelligence

Windber Public Library Association

990EZ • Fiscal year 2015 • EIN 25-6053807

Jan 01, 2015 to Dec 31, 2015 • Filed on Jul 12, 2016

1909 Graham AvenueWindber, PA 15963

(814) 467-4950

Siviq Scores

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

Liabilities / Assets

60th percentile

0.01x

Higher debt load relative to assets than 60% of similar nonprofits.

2015 filings • 501(c)3 • <$500k nonprofits • Source year 2015

Liabilities / Revenue

60th percentile

0.01x

Higher debt load relative to revenue than 60% of similar nonprofits.

2015 filings • 501(c)3 • <$500k nonprofits • Source year 2015

Net Margin

13th percentile

-25%

Higher net margin than 13% of similar nonprofits.

2015 filings • 501(c)3 • <$500k nonprofits • Source year 2015

Top Officer Pay

85th percentile

$25,635

Higher top officer pay than 85% of similar nonprofits.

Top officer pay equals 27.1% of source-year revenue.

2015 filings • 501(c)3 • <$500k nonprofits • Source year 2015

Asset Growth

17th percentile

-25%

Faster asset growth than 17% of similar nonprofits.

2015 filings • 501(c)3 • <$500k nonprofits • Annualized from 2014 to 2015

Revenue Growth

75th percentile

24%

Faster revenue growth than 75% of similar nonprofits.

2015 filings • 501(c)3 • <$500k nonprofits • Annualized from 2014 to 2015

Assets

Down

$71,571

Down $23,704 (-25%) from 2014

Net Assets

Down

$71,056

Down $23,718 (-25%) from 2014

Liabilities

Up

$515

Up $14 (+2.8%) from 2014

Revenue

Up

$94,433

Up $18,107 (+24%) from 2014

Expenses

Up

$118,151

Up $12,017 (+11%) from 2014

Net Income

Up

-$23,718

Up $6,090 (+20%) from 2014

Historical Trend

Balance Sheet Trend

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

$150K$100K$50K$0Assets 2012: $148,366Liabilities 2012: $492Net Assets 2012: $147,8742012Assets 2013: $125,120Liabilities 2013: $538Net Assets 2013: $124,5822013Assets 2014: $95,275Liabilities 2014: $501Net Assets 2014: $94,7742014Assets 2015: $71,571Liabilities 2015: $515Net Assets 2015: $71,0562015Assets 2016: $64,788Liabilities 2016: $1,461Net Assets 2016: $63,3272016Assets 2017: $40,862Liabilities 2017: $1,936Net Assets 2017: $38,9262017Assets 2018: $45,352Liabilities 2018: $1,418Net Assets 2018: $43,9342018Assets 2019: $42,970Liabilities 2019: $1,546Net Assets 2019: $41,4242019Assets 2020: $37,907Liabilities 2020: $937Net Assets 2020: $36,9702020Assets 2021: $63,544Liabilities 2021: $773Net Assets 2021: $62,7712021Assets 2022: $94,708Liabilities 2022: $1,003Net Assets 2022: $93,7052022Assets 2023: $76,681Liabilities 2023: $1,747Net Assets 2023: $74,9342023Assets 2024: $59,463Liabilities 2024: $2,294Net Assets 2024: $57,1692024

Highlighted filing

2015

Assets$71,571
Liabilities$515
Net Assets$71,056

Operations Trend

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

$150K$100K$50K$0-$50KRevenue 2012: $140,338Expenses 2012: $102,825Net Income 2012: $37,5132012Revenue 2013: $76,889Expenses 2013: $100,181Net Income 2013: -$23,2922013Revenue 2014: $76,326Expenses 2014: $106,134Net Income 2014: -$29,8082014Revenue 2015: $94,433Expenses 2015: $118,151Net Income 2015: -$23,7182015Revenue 2016: $96,412Expenses 2016: $104,141Net Income 2016: -$7,7292016Revenue 2017: $78,566Expenses 2017: $102,967Net Income 2017: -$24,4012017Revenue 2018: $103,573Expenses 2018: $98,565Net Income 2018: $5,0082018Revenue 2019: $90,786Expenses 2019: $93,296Net Income 2019: -$2,5102019Revenue 2020: $83,534Expenses 2020: $87,988Net Income 2020: -$4,4542020Revenue 2021: $116,245Expenses 2021: $90,444Net Income 2021: $25,8012021Revenue 2022: $133,778Expenses 2022: $102,844Net Income 2022: $30,9342022Revenue 2023: $104,559Expenses 2023: $123,330Net Income 2023: -$18,7712023Revenue 2024: $90,507Expenses 2024: $108,272Net Income 2024: -$17,7652024

Highlighted filing

2015

Revenue$94,433
Expenses$118,151
Net Income-$23,718
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Jul 12, 2016
Return Version
2015v2.1
Gross Receipts
$94,433
Mission and Program Overview

Mission

PUBLIC LIBRARY

Program Services

DescriptionGrantsExpenses
OPERATION OF PUBLIC LIBRARY. TOTAL REGISTERED BORROWERS FOR 2015 WAS 2,370.-$116,781
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
SUSAN BRANDAUDirectorFT$25,635-$25,635
ELAINE MAKUCHPresident-$0--
WILLIAM SEGERVice Preside-$0--
BARBARA ROBINSONSecretary-$0--
GEOFF SHANKTreasurer-$0--
RAY DIBATTISTAMember-$0--
RONALD MASHMember-$0--
LESLIE SHAFFERMember-$0--
Filing and Contact Details

Filer

Filer Name
Windber Public Library Association
EIN
25-6053807
Phone
8144674950
Address
1909 GRAHAM AVENUE, WINDBER, PA 15963

Signing Officer

Name
Elaine Makuch
Title
President
Phone
8144674950
Signed
2016-07-12
Discuss with paid preparer
Yes

Preparer

Firm
Kotzan CPA and Associates Pc
Address
334 BUDFIELD ST, JOHNSTOWN, PA 15904-3214
Preparer
Sarah Sernell CPA
Phone
8142694912
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 16

Expenses office expenses 2,132 travel expense 300 continuing education 10 insurance fees 917 library materials 13,036 maintenance 19,434 dues and subscriptions 566 supplies 289 miscalleous 2,015 total 38,699

Form 990-ez, Part II, Line 26

Payroll tax withholding 501 515

Raw XML Appendix175 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990EZ/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/BooksInCareOfDetail/PersonNm0WINDBER PUBLIC LIBRARY
IRS990EZ/BooksInCareOfDetail/PhoneNum08144614950
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt01909 GRAHAM AVENUE
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0WINDBER
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0PA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd015963
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt095275
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt071571
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt089952
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-23718
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt095275
IRS990EZ/Form990TotalAssetsGrp/EOYAmt071571
IRS990EZ/GrossReceiptsAmt094433
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt095
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt094774
IRS990EZ/NetAssetsOrFundBalancesEOYAmt071056
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt094774
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt071056
IRS990EZ/OccupancyRentUtltsAndMaintAmt012802
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt01.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt11.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt21.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt31.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt41.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt51.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt61.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt735.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt725635
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0ELAINE MAKUCH
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1WILLIAM SEGER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2BARBARA ROBINSON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3GEOFF SHANK
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4RAY DIBATTISTA
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5RONALD MASH
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6LESLIE SHAFFER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm7SUSAN BRANDAU
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1VICE PRESIDE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2SECRETARY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3TREASURER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4MEMBER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5MEMBER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6MEMBER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt7DIRECTOR
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherExpensesTotalAmt038699
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0PUBLIC LIBRARY
IRS990EZ/PrintingPublicationsPostageAmt02406
IRS990EZ/ProgramServiceRevenueAmt04386
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0OPERATION OF PUBLIC LIBRARY. TOTAL REGISTERED BORROWERS FOR 2015 WAS 2,370.
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt0116781
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SalariesOtherCompEmplBnftAmt064244
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt0501
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt0515
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt0118151
IRS990EZ/TotalProgramServiceExpensesAmt0116781
IRS990EZ/TotalRevenueAmt094433
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt089952
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt071522
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt071409
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0134719
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt070688
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt0438290
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt095
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt0581
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt01001
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt0987
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt02424
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt05088
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt04386
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt04223
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt03478
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt03645
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt01966
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt017698
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt095
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt0581
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt01001
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt0987
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt02424
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt05088
IRS990ScheduleA/InvestmentIncomeCYPct00.01000
IRS990ScheduleA/InvestmentIncomePYPct00.02000
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.98900
IRS990ScheduleA/PublicSupportPY509Pct00.98290
IRS990ScheduleA/PublicSupportTotal509Amt0455988
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt094338
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt075745
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt074887
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt0138364
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt072654
IRS990ScheduleA/Total509Grp/TotalAmt0455988
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt094433
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt076326
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt075888
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt0139351
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt075078
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0461076
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EXPENSES OFFICE EXPENSES 2,132 TRAVEL EXPENSE 300 CONTINUING EDUCATION 10 INSURANCE FEES 917 LIBRARY MATERIALS 13,036 MAINTENANCE 19,434 DUES AND SUBSCRIPTIONS 566 SUPPLIES 289 MISCALLEOUS 2,015 TOTAL 38,699
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1PAYROLL TAX WITHHOLDING 501 515
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART II, LINE 26
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0ELAINE MAKUCH
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08144674950
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-07-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0WINDBER PUBLIC LIBRARY ASSOCIATION
ReturnHeader/Filer/BusinessNameControlTxt0WIND
ReturnHeader/Filer/EIN0256053807
ReturnHeader/Filer/PhoneNum08144674950
ReturnHeader/Filer/USAddress/AddressLine1Txt01909 GRAHAM AVENUE
ReturnHeader/Filer/USAddress/CityNm0WINDBER
ReturnHeader/Filer/USAddress/StateAbbreviationCd0PA
ReturnHeader/Filer/USAddress/ZIPCd015963
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0262055351
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0KOTZAN CPA AND ASSOCIATES PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0334 BUDFIELD ST
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0JOHNSTOWN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0159043214
ReturnHeader/PreparerPersonGrp/PhoneNum08142694912
ReturnHeader/PreparerPersonGrp/PreparationDt02016-07-12
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0SARAH SERNELL CPA
ReturnHeader/ReturnTs02016-07-20T07:08:06-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.59$0.02$0.57$0.91$1.08$0.18
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.77$0.02$0.75$1.05$1.23$0.19
2022Detailed filing. Detailed filing data is available for this year.$0.95$0.01$0.94$1.34$1.03$0.31
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.64$0.01$0.63$1.16$0.90$0.26
2020Detailed filing. Detailed filing data is available for this year.$0.38$0.01$0.37$0.84$0.88$0.04
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.43$0.02$0.41$0.91$0.93$0.03
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.45$0.01$0.44$1.04$0.99$0.05
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.41$0.02$0.39$0.79$1.03$0.24
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.65$0.01$0.63$0.96$1.04$0.08
2015Detailed filing. Detailed filing data is available for this year.$0.72$0.01$0.71$0.94$1.18$0.24
2014Detailed filing. Detailed filing data is available for this year.$0.95$0.01$0.95$0.76$1.06$0.30
2013Detailed filing. Detailed filing data is available for this year.$1.25$0.01$1.25$0.77$1.00$0.23
2012XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.48$0.00$1.48$1.40$1.03$0.38