Civic Intelligence

South Bend Post Office C U

990 • Fiscal year 2013 • EIN 35-0670808

Jan 01, 2013 to Dec 31, 2013 • Filed on Apr 24, 2014

Organization Profilewww.sbpocu.com
53790 Generations Dr46635-1539

(574) 272-8581

Siviq Scores

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

Liabilities / Assets

3rd percentile

0.00x

Higher debt load relative to assets than 3% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

5th percentile

0.06x

Higher debt load relative to revenue than 5% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

12th percentile

-11%

Higher net margin than 12% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

23rd percentile

$48,819

Higher top officer pay than 23% of similar nonprofits.

Top officer pay equals 16.6% of source-year revenue.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Asset Growth

18th percentile

-2.7%

Faster asset growth than 18% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets3rd percentile

Assets

Down

$10,008,738

Down $278,274 (-2.7%) from 2012

Net Assets

Down

$9,991,315

Down $279,686 (-2.7%) from 2012

Liabilities

Up

$17,423

Up $1,412 (+8.8%) from 2012

Revenue And Expenses
Liabilities / Revenue5th percentileNet Margin12th percentile

Revenue

$293,385

No earlier filing loaded for comparison.

Expenses

Down

$326,229

Down $9,884 (-2.9%) from 2012

Net Income

-$32,844

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth18th percentile

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

$15M$10M$5.0M$0Assets 2010: $10,184,521Liabilities 2010: $1,109Net Assets 2010: $10,183,4122010Assets 2011: $10,067,942Liabilities 2011: $1,118Net Assets 2011: $10,066,8242011Assets 2012: $10,287,012Liabilities 2012: $16,011Net Assets 2012: $10,271,0012012Assets 2013: $10,008,738Liabilities 2013: $17,423Net Assets 2013: $9,991,3152013Assets 2014: $9,645,469Liabilities 2014: $18,852Net Assets 2014: $9,626,6172014Assets 2015: $9,435,327Liabilities 2015: $24,757Net Assets 2015: $9,410,5702015Assets 2016: $9,022,967Liabilities 2016: $225,242Net Assets 2016: $8,797,7252016Assets 2017: $8,805,524Liabilities 2017: $15,842Net Assets 2017: $8,789,6822017Assets 2018: $8,917,278Liabilities 2018: $14,775Net Assets 2018: $8,902,5032018Assets 2021: $0Liabilities 2021: $0Net Assets 2021: $02021

Highlighted filing

2013

Assets$10,008,738
Liabilities$17,423
Net Assets$9,991,315
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$600K$400K$200K$0-$200KExpenses 2010: $539,4092010Expenses 2011: $328,5702011Expenses 2012: $336,1132012Revenue 2013: $293,385Expenses 2013: $326,229Net Income 2013: -$32,8442013Revenue 2014: $270,949Expenses 2014: $279,447Net Income 2014: -$8,4982014Revenue 2015: $269,738Expenses 2015: $329,346Net Income 2015: -$59,6082015Revenue 2016: $294,924Expenses 2016: $305,654Net Income 2016: -$10,7302016Revenue 2017: $326,995Expenses 2017: $298,455Net Income 2017: $28,5402017Revenue 2018: $386,458Expenses 2018: $310,967Net Income 2018: $75,4912018Revenue 2021: $315,966Expenses 2021: $258,424Net Income 2021: $57,5422021

Highlighted filing

2013

Revenue$293,385
Expenses$326,229
Net Income-$32,844
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Apr 24, 2014
Return Version
2013v3.1
Gross Receipts
$293,385
Mission and Program Overview

Mission

Cooperative Financial Institution

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$9,163,341$8,873,482▼ $289,859
Savings and Temporary Cash Investments$6,580,985$6,427,649▼ $153,336
Other Notes and Loans Receivable, Net$3,428,021$3,257,608▼ $170,413
Pd in Cap Srpls Land Bldg Eqp Fund$796,152$796,160▲ $8
Rtn Earn Endowment Incm Other Fnds$354,515$321,673▼ $32,842
Cash and Non-Interest-Bearing Accounts$104,614$113,578▲ $8,964
Receivables From Officers Etc$99,096$101,126▲ $2,030
Land, Buildings, and Equipment, Net$88,341$87,871▼ $470
Prepaid Expenses and Deferred Charges$21,720$20,076▼ $1,644
Inventories for Sale or Use$915$830▼ $85
Total Assets$10,323,692$10,008,738▼ $314,954
Liabilities
Accounts Payable and Accrued Expenses$9,684$17,423▲ $7,739
Total Liabilities$9,684$17,423▲ $7,739
Net Assets / Fund Balance
Total Net Assets Fund Balance$10,314,008$9,991,315▼ $322,693
Total Liabilities and Net Assets / Fund Balance$10,323,692$10,008,738▼ $314,954

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$53,122$108,815-
Land$26,664--
Equipment$2,436$113,855-
Leasehold Improvements$5,649$531-
Compensation and Service Providers
Top Officer Pay23rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Penny CritesTreasurerFT$48,819$48,819

Board Members and Trustees

NameTitle
Hc ColwellBoard Chair
Karen DerbyCo-Chairman
Charles E Dempsey JrBoard Member
Chuck HolmesBoard Member
Denny D WeberBoard Member
Ernest HaynesBoard Member
Gene GorbaczBoard Member
Jack PiechowiczBoard Member
John TarwackiBoard Member
Tom LatosinskiBoard Member
Mary ZirilleBoard Secretary
James MageraSupervisory Comm
Terry LitkaSupervisory Comm
Tom YoudblisSupervisory Comm
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$191,668
Investment Income
$62,917
Other Revenue
$38,800
Change in Net Assets
$-32,844
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$228,983
Salaries, Compensation, and Employee Benefits$97,246
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
All Other Expenses---$69,516
Current Officers, Directors, Trustees, and Key Employees---$48,819
Insurance---$43,407
Other Salaries and Wages---$41,771
Fees for Services Accounting---$41,112
Fees for Service Investment Mgmnt Fees---$18,370
Occupancy---$13,637
Other Expenses---$9,876
Office Expenses---$9,706
Depreciation Depletion---$6,969
Payroll Taxes---$6,656
Conferences and Meetings---$4,636
Advertising---$1,279
Fees for Services Legal---$839
Total Functional Expenses$0$0$0$326,229
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$99,096$101,126▲ $2,030
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No
Filing and Contact Details

Filer

EIN
35-0670808
Phone
5742728581

Signing Officer

Name
Penny Crites
Title
Treasurer/manager
Phone
5742728581
Signed
2014-04-24
Discuss with paid preparer
Yes

Organization Details

Formed
1924
Legal Domicile
In
Voting Board Members
11
Independent Board Members
11
Employees
3
Volunteers
14

Preparer

Preparer
Hulbert C Colwell
Phone
5742916756
Supplemental Narrative

Additional Explanations

Pt VI, Line 2

“Director prepared personal tax return for key employee”

Pt VI, Line 6

“Each depositor is a shareholder.”

Pt VI, Line 7A

“Each shareholder may vote in the election of board members.”

Pt VI, Line 7B

“Shareholder may override board decisions at the annual meeting.”

Pt VI, Line 11B

“Review by independent accountant.”

Pt VI, Line 15A

“Pay levels of all staff are approved by the Board of Directors.”

Pt VI, Line 15B

“Pay levels of all staff are approved by the Board of Directors.”

Pt VI, Line 19

“Documents are available for review in Treasurer/Mgr office.”

Pt XI

“Withdrawl of shares”

Form 990, Part IX, Line 24F

“Debit card fees 23591. Draft account 2161. Dues 9830. Property taxes 7965. Ncua bailout 7267. Security 5482. Service charges 2939. Utilities 8497. Miscellaneous 1784.”

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IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt099096
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0101126
IRS990/ReconcilationRevenueExpnssAmt0-32844
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0354515
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0321673
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06580985
IRS990/SavingsAndTempCashInvstGrp/EOYAmt06427649
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt053122
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0108815
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0161937
IRS990ScheduleD/EquipmentGrp/BookValueAmt02436
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0113855
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0116291
IRS990ScheduleD/LandGrp/BookValueAmt026664
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt026664
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt05649
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0531
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt06180
IRS990ScheduleD/TotalBookValueLandBuildingsAmt087871
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt014291
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt110604
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt29356
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt322502
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt42663
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt5101
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt65178
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt71673
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt86005
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt95912
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt101221
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt115801
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt122491
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1313328
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11true
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd13true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd6false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd7false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd8false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd9false
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd11false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd12false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd13false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd8X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd9X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd10X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd11X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd12X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd13X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Auto Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Auto Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2Personal Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3Auto Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4Auto Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5Personal Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6Personal Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7Auto Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt8Auto Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt9Personal Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt10Auto Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt11Auto Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt12Personal Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt13Auto Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt015000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt119500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt210217
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt323023
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt44300
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt51300
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt612000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt73500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt87000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt911870
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1015391
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt116000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt125000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1314434
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0HULBERT COLWELL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1KAREN DERBY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2MARY ZIRILLE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3MARY ZIRILLE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4ERNIE HAYNES
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5JOHN TARWACKI
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6JOHN TARWACKI
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7TOM LATOSINSKI
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm8JIM MAGERA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm9PENNY CRITES
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm10GENE GORBACZ
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm11TERRY LITKA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm12TERRY LITKA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm13CHIP DEMPSEY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Bd President
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Bd Vice Pres
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2Bd Secretary

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$10,008,738
Liabilities
$17,423
Net assets
$9,991,315
Revenue
$293,385
Expenses
$326,229
Net income
-$32,844
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.32$0.26$0.06
2018Detailed filing. Detailed filing data is available for this year.$8.92$0.01$8.90$0.39$0.31$0.08
2017Detailed filing. Detailed filing data is available for this year.$8.81$0.02$8.79$0.33$0.30$0.03
2016Detailed filing. Detailed filing data is available for this year.$9.02$0.23$8.80$0.29$0.31$0.01
2015Detailed filing. Detailed filing data is available for this year.$9.44$0.02$9.41$0.27$0.33$0.06
2014Detailed filing. Detailed filing data is available for this year.$9.65$0.02$9.63$0.27$0.28$0.01
2013Detailed filing. Detailed filing data is available for this year.$10.0$0.02$9.99$0.29$0.33$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.3$0.02$10.3$0.34
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.1$0.00$10.1$0.33
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.2$0.00$10.2$0.54