Civic Intelligence

Better Business Bureau Inc

990 • Fiscal year 2021 • EIN 35-0177190

Jan 01, 2021 to Dec 31, 2021 • Filed on Nov 03, 2022

Organization ProfileWWW.INDYBBB.ORG

View Organization Page

2601 Fortune Circle East Suite 103AIndianapolis, IN 46241

(317) 488-2201

Siviq Scores

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

Liabilities / Assets

74th percentile

0.33x

Higher debt load relative to assets than 74% of similar nonprofits.

2021 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2021

Liabilities / Revenue

53rd percentile

0.22x

Higher debt load relative to revenue than 53% of similar nonprofits.

2021 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2021

Net Margin

15th percentile

-4.3%

Higher net margin than 15% of similar nonprofits.

2021 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2021

Top Officer Pay

62nd percentile

$170,299

Higher top officer pay than 62% of similar nonprofits.

Top officer pay equals 8.9% of source-year revenue.

2021 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2021

Asset Growth

28th percentile

4.0%

Faster asset growth than 28% of similar nonprofits.

2021 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2020 to 2021

Revenue Growth

35th percentile

1.6%

Faster revenue growth than 35% of similar nonprofits.

2021 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets74th percentile

Assets

Up

$1,255,601

Up $47,892 (+4.0%) from 2020

Net Assets

Down

$842,232

Down $56,309 (-6.3%) from 2020

Liabilities

Up

$413,369

Up $104,201 (+34%) from 2020

Revenue And Expenses
Liabilities / Revenue53rd percentileNet Margin15th percentile

Revenue

Up

$1,909,067

Up $29,154 (+1.6%) from 2020

Expenses

Up

$1,991,756

Up $263,638 (+15%) from 2020

Net Income

Down

-$82,689

Down $234,484 (-154%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth28th percentile

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

$2.0M$1.5M$1.0M$500K$0Assets 2014: $777,417Liabilities 2014: $242,393Net Assets 2014: $535,0242014Assets 2015: $657,238Liabilities 2015: $218,941Net Assets 2015: $438,2972015Assets 2016: $760,505Liabilities 2016: $250,253Net Assets 2016: $510,2522016Assets 2017: $874,389Liabilities 2017: $263,037Net Assets 2017: $611,3522017Assets 2018: $771,253Liabilities 2018: $181,084Net Assets 2018: $590,1692018Assets 2019: $907,815Liabilities 2019: $197,718Net Assets 2019: $710,0972019Assets 2020: $1,207,709Liabilities 2020: $309,168Net Assets 2020: $898,5412020Assets 2021: $1,255,601Liabilities 2021: $413,369Net Assets 2021: $842,2322021Assets 2022: $1,480,553Liabilities 2022: $725,216Net Assets 2022: $755,3372022Assets 2023: $1,660,921Liabilities 2023: $739,261Net Assets 2023: $921,6602023Assets 2024: $1,736,683Liabilities 2024: $715,315Net Assets 2024: $1,021,3682024

Highlighted filing

2021

Assets$1,255,601
Liabilities$413,369
Net Assets$842,232
Open 2021 Filing

Operations Trend

Revenue Growth35th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MRevenue 2014: $1,403,153Expenses 2014: $1,745,032Net Income 2014: -$341,8792014Revenue 2015: $1,632,356Expenses 2015: $1,717,718Net Income 2015: -$85,3622015Revenue 2016: $1,753,553Expenses 2016: $1,701,874Net Income 2016: $51,6792016Revenue 2017: $1,941,386Expenses 2017: $1,871,408Net Income 2017: $69,9782017Revenue 2018: $1,930,696Expenses 2018: $1,909,704Net Income 2018: $20,9922018Revenue 2019: $1,959,376Expenses 2019: $1,872,907Net Income 2019: $86,4692019Revenue 2020: $1,879,913Expenses 2020: $1,728,118Net Income 2020: $151,7952020Revenue 2021: $1,909,067Expenses 2021: $1,991,756Net Income 2021: -$82,6892021Revenue 2022: $1,932,895Expenses 2022: $1,936,151Net Income 2022: -$3,2562022Revenue 2023: $2,471,213Expenses 2023: $2,345,743Net Income 2023: $125,4702023Revenue 2024: $2,562,988Expenses 2024: $2,493,846Net Income 2024: $69,1422024

Highlighted filing

2021

Revenue$1,909,067
Expenses$1,991,756
Net Income-$82,689
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Nov 3, 2022
Return Version
2021v4.0
Gross Receipts
$1,974,958
Mission and Program Overview

Mission

Promote business integrity and public confidence in advertising, selling, services and other business operations in central indiana.

Our mission is to be the leader in advancing marketplace trust in central indiana. Our accredited businesses support the mission and in return because of their adherence to our standards of trust can use our trusted seal. Consumers rely on information in our database to educate themselves about businesses in our area.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$445,175$500,174▲ $54,999
Accounts Receivable$285,256$298,255▲ $12,999
Savings and Temporary Cash Investments$221,062$281,093▲ $60,031
Land, Buildings, and Equipment, Net$84,629$85,396▲ $767
Prepaid Expenses and Deferred Charges$49,414$46,819▼ $2,595
Cash and Non-Interest-Bearing Accounts$81,386$25,619▼ $55,767
Total Assets$1,207,709$1,255,601▲ $47,892
Other Assets Total$40,787$18,245▼ $22,542
Liabilities
Accounts Payable and Accrued Expenses$175,884$252,592▲ $76,708
Deferred Revenue$133,284$160,777▲ $27,493
Total Liabilities$309,168$413,369▲ $104,201
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$898,541$842,232▼ $56,309
Total Net Assets Fund Balance$898,541$842,232▼ $56,309
Total Liabilities and Net Assets / Fund Balance$1,207,709$1,255,601▲ $47,892

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$85,396$69,496$154,892
Leasehold Improvements-$965$965
Compensation and Service Providers
Top Officer Pay62nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Cathy ArmourCOO/CFOFT$146,393$23,906$170,299
Tim ManiscaloPresident/ceFT$163,716-$163,716
Tim ManiscaloPresident/CEO-$154,233$9,483$163,716

Board Members and Trustees

NameTitle
Thomas SponselChair
Ben WatkinsDirector
Brad HoltzDirector
Darice ReneDirector
Doug PetroskeyDirector
Eric WassonDirector
Hannah GlaserDirector
Jacob HuckDirector
Kevin TharpDirector
Mary ClarkDirector
Patrick DolanDirector
Susan HegdlinDirector
Trent TerryDirector
Mike DukateExecutive Co
Roger UnderwoodExecutive Co
Steven RakeExecutive Co
Revenue and Support

Revenue Composition

Contributions and Grants
$1,819,648
Program Service Revenue
$54,472
Investment Income
$34,084
Other Revenue
$863
Change in Net Assets
$-82,689

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,903,657
Revenue Not Reported on Financial Statements
$5,410
Revenue Not Reported on Form 990
$26,380
Total Revenue per Audited Statements
$1,930,037
Total Revenue per Form 990
$1,909,067
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,519,005
Other Expenses$472,751
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$937,844--$937,844
Current Officers, Directors, Trustees, and Key Employees$334,015--$334,015
Other Employee Benefits$134,755--$134,755
Information Technology$96,417--$96,417
Payroll Taxes$88,784--$88,784
Occupancy$73,576--$73,576
Office Expenses$27,728--$27,728
Pension Plan Contributions$23,607--$23,607
Depreciation Depletion$22,285--$22,285
Fees for Services Accounting$15,520--$15,520
Advertising$14,918--$14,918
Insurance$10,786--$10,786
Conferences and Meetings$10,719--$10,719
Fees for Service Investment Mgmnt Fees$5,410--$5,410
Fees for Services Legal$5,314--$5,314
Fees for Services Other$2,325--$2,325
Other Expenses$2,070--$2,070
All Other Expenses$1,337--$1,337
Total Functional Expenses$1,991,756$0$0$1,991,756

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$1,991,756
Expenses per Audited Statements$1,986,346
Total Expenses per Audited Statements$1,986,346
Expenses Not Reported on Financial Statements$5,410
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
In-house lobbying only
No
Subject to proxy tax
Yes
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Roger UnderwoodDirectorIt ServicesNo-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
Yes
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
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 11B

“The audit committee chair, president/ceo and cfo/coo review the return in detail prior to filing.”

Form 990, Page 6, Part VI, Line 12C

“Monitored at regular board meetings.”

Form 990, Page 6, Part VI, Line 15A

“The executive committee of the board reviews the compensation of other equivalent bbb officers nationwide and sets annual goals. The board approves the annual budget.”

Form 990, Page 6, Part VI, Line 15B

“The executive director makes all compensation decisions regarding other employees. The board approves the annual budget.”

Form 990, Page 6, Part VI, Line 19

“UPON REQUEST.”

Filing and Contact Details

Filer

Filer Name
Better Business Bureau Inc
EIN
35-0177190
Phone
3174882201
Address
2601 FORTUNE CIRCLE EAST SUITE 103A, INDIANAPOLIS, IN 46241
Doing Business As
Better Business Bureau of Ctrl in

Signing Officer

Name
Cathy Armour
Title
COO/CFO
Phone
3174882201
Signed
2022-11-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Cathy Armour
Formed
1916
Legal Domicile
In
Voting Board Members
16
Independent Board Members
16
Employees
29
Volunteers
16

Preparer

Firm
Alerding CPA Group
Address
4181 E 96TH ST STE 180, INDIANAPOLIS, IN 46240
Preparer
David W Garrett CPA
Phone
3175694181
Supplemental Narrative

Financial Statement Notes

Schedule D, Page 3, Part X

“Management of the organization evaluates all significant tax positions to ensure compliance with exempt purpose of the organization as required by u.s. Gaap, including consideration of any unrelated business income tax. As of december 31, 2021, management does not believe the organization has taken any tax positions that are not in compliance with the exempt purpose of the organization. The organizations federal and state tax returns remain open and subject to examination beginning with the tax year ended december 31, 2017.”

Raw XML AppendixShowing 400 of 518 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.

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IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10EXECUTIVE CO
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15EXECUTIVE CO
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR
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IRS990/MissionDesc0PROMOTE MARKETPLACE OF TRUST IN CENTRAL INDIANA.
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IRS990/OtherExpensesGrp/Desc0NATIONAL CHARTER DUES
IRS990/OtherExpensesGrp/Desc1OTHER FEES
IRS990/OtherExpensesGrp/Desc2CREDIT CARD PROCESSING
IRS990/OtherExpensesGrp/Desc3EVENTS
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IRS990/PayrollTaxesGrp/ProgramServicesAmt088784
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IRS990/PensionPlanContributionsGrp/ProgramServicesAmt023607
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IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt049414
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt046819
IRS990/PrincipalOfficerNm0CATHY ARMOUR
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0ENHANCED LISTING PROGRAM
IRS990/ProgramServiceRevenueGrp/Desc1ARBITRATION
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1350
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1350
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt01827822
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IRS990/PYOtherRevenueAmt01528
IRS990/PYProgramServiceRevenueAmt047850
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IRS990/PYTotalExpensesAmt01728118
IRS990/PYTotalRevenueAmt01879913
IRS990/ReconcilationRevenueExpnssAmt0-82689
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0true
IRS990/RelatedOrganizationCtrlEntInd0false
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IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
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IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
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IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd0true
IRS990ScheduleC/AgreeCarryoverPriorYearInd0false
IRS990ScheduleC/OnlyInHouseLobbyingInd0false
IRS990ScheduleC/SubstantiallyAllDuesNondedInd0false
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IRS990ScheduleD/ExpensesSubtotalAmt01986346
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt05410
IRS990ScheduleD/InvestmentExpensesNotIncldAmt05410
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0965
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0965
IRS990ScheduleD/NetUnrealizedGainsInvstAmt026380
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt085396
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt069496
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0154892
IRS990ScheduleD/RevenueNotReportedAmt026380
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt05410
IRS990ScheduleD/RevenueSubtotalAmt01903657
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0MANAGEMENT OF THE ORGANIZATION EVALUATES ALL SIGNIFICANT TAX POSITIONS TO ENSURE COMPLIANCE WITH EXEMPT PURPOSE OF THE ORGANIZATION AS REQUIRED BY U.S. GAAP, INCLUDING CONSIDERATION OF ANY UNRELATED BUSINESS INCOME TAX. AS OF DECEMBER 31, 2021, MANAGEMENT DOES NOT BELIEVE THE ORGANIZATION HAS TAKEN ANY TAX POSITIONS THAT ARE NOT IN COMPLIANCE WITH THE EXEMPT PURPOSE OF THE ORGANIZATION. THE ORGANIZATIONS FEDERAL AND STATE TAX RETURNS REMAIN OPEN AND SUBJECT TO EXAMINATION BEGINNING WITH THE TAX YEAR ENDED DECEMBER 31, 2017.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 3, PART X
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IRS990ScheduleD/TotalRevenuePerForm990Amt01909067
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IRS990/ScheduleJRequiredInd0true
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1154233
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0CATHY ARMOUR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1TIM MANISCALO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0COO/CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1PRESIDENT/CEO
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IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm0ROGER UNDERWOOD
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt0DIRECTOR
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd0false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc0IT SERVICES
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE AUDIT COMMITTEE CHAIR, PRESIDENT/CEO AND CFO/COO REVIEW THE RETURN IN DETAIL PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MONITORED AT REGULAR BOARD MEETINGS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE EXECUTIVE COMMITTEE OF THE BOARD REVIEWS THE COMPENSATION OF OTHER EQUIVALENT BBB OFFICERS NATIONWIDE AND SETS ANNUAL GOALS. THE BOARD APPROVES THE ANNUAL BUDGET.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE EXECUTIVE DIRECTOR MAKES ALL COMPENSATION DECISIONS REGARDING OTHER EMPLOYEES. THE BOARD APPROVES THE ANNUAL BUDGET.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleR/AssetExchangeInd0false

Document Assets

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Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,255,601
Liabilities
$413,369
Net assets
$842,232
Revenue
$1,909,067
Expenses
$1,991,756
Net income
-$82,689
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.74$0.72$1.02$2.56$2.49$0.07
2023Detailed filing. Detailed filing data is available for this year.$1.66$0.74$0.92$2.47$2.35$0.13
2022Detailed filing. Detailed filing data is available for this year.$1.48$0.73$0.76$1.93$1.94$0.00
2021Detailed filing. Detailed filing data is available for this year.$1.26$0.41$0.84$1.91$1.99$0.08
2020Detailed filing. Detailed filing data is available for this year.$1.21$0.31$0.90$1.88$1.73$0.15
2019Detailed filing. Detailed filing data is available for this year.$0.91$0.20$0.71$1.96$1.87$0.09
2018Detailed filing. Detailed filing data is available for this year.$0.77$0.18$0.59$1.93$1.91$0.02
2017Detailed filing. Detailed filing data is available for this year.$0.87$0.26$0.61$1.94$1.87$0.07
2016Detailed filing. Detailed filing data is available for this year.$0.76$0.25$0.51$1.75$1.70$0.05
2015Detailed filing. Detailed filing data is available for this year.$0.66$0.22$0.44$1.63$1.72$0.09
2014Detailed filing. Detailed filing data is available for this year.$0.78$0.24$0.54$1.40$1.75$0.34