Civic Intelligence

Maternity Bvm Credit Union

990 • Fiscal year 2017 • EIN 36-2406571

Jan 01, 2017 to Dec 31, 2017 • Filed on May 08, 2018

Organization Profilembvmcu.com
PO Box 56Bourbonnais, IL 60914

(815) 932-7131

Siviq Scores

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

Liabilities / Assets

64th percentile

0.88x

Higher debt load relative to assets than 64% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Liabilities / Revenue

94th percentile

35.63x

Higher debt load relative to revenue than 94% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Net Margin

56th percentile

8.1%

Higher net margin than 56% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Top Officer Pay

27th percentile

$56,343

Higher top officer pay than 27% of similar nonprofits.

Top officer pay equals 19.9% of source-year revenue.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Asset Growth

53rd percentile

1.6%

Faster asset growth than 53% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Revenue Growth

72nd percentile

7.1%

Faster revenue growth than 72% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets64th percentile

Assets

Up

$11,453,069

Up $178,428 (+1.6%) from 2016

Net Assets

Up

$1,339,725

Up $23,044 (+1.8%) from 2016

Liabilities

Up

$10,113,344

Up $155,384 (+1.6%) from 2016

Revenue And Expenses
Liabilities / Revenue94th percentileNet Margin56th percentile

Revenue

Up

$283,819

Up $18,743 (+7.1%) from 2016

Expenses

Up

$260,775

Up $6,139 (+2.4%) from 2016

Net Income

Up

$23,044

Up $12,604 (+121%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth53rd percentile

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

$15M$10M$5.0M$0Assets 2012: $10,477,861Liabilities 2012: $9,221,921Net Assets 2012: $1,255,9402012Assets 2013: $11,395,950Liabilities 2013: $10,123,446Net Assets 2013: $1,272,5042013Assets 2014: $11,406,335Liabilities 2014: $10,125,876Net Assets 2014: $1,280,4592014Assets 2015: $11,279,463Liabilities 2015: $9,973,222Net Assets 2015: $1,306,2412015Assets 2016: $11,274,641Liabilities 2016: $9,957,960Net Assets 2016: $1,316,6812016Assets 2017: $11,453,069Liabilities 2017: $10,113,344Net Assets 2017: $1,339,7252017Assets 2018: $11,639,138Liabilities 2018: $10,296,767Net Assets 2018: $1,342,3712018Assets 2019: $11,848,242Liabilities 2019: $10,495,157Net Assets 2019: $1,353,0852019Assets 2021: $13,383,382Liabilities 2021: $11,924,662Net Assets 2021: $1,458,7202021Assets 2022: $13,531,983Liabilities 2022: $12,058,318Net Assets 2022: $1,473,6652022Assets 2024: $12,373,170Liabilities 2024: $10,930,786Net Assets 2024: $1,442,3842024

Highlighted filing

2017

Assets$11,453,069
Liabilities$10,113,344
Net Assets$1,339,725
Open 2017 Filing

Operations Trend

Revenue Growth72nd percentile

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

$600K$400K$200K$0-$200KExpenses 2012: $259,4542012Revenue 2013: $270,564Expenses 2013: $254,000Net Income 2013: $16,5642013Revenue 2014: $257,950Expenses 2014: $249,995Net Income 2014: $7,9552014Revenue 2015: $263,408Expenses 2015: $237,626Net Income 2015: $25,7822015Revenue 2016: $265,076Expenses 2016: $254,636Net Income 2016: $10,4402016Revenue 2017: $283,819Expenses 2017: $260,775Net Income 2017: $23,0442017Revenue 2018: $294,672Expenses 2018: $292,026Net Income 2018: $2,6462018Revenue 2019: $320,362Expenses 2019: $309,648Net Income 2019: $10,7142019Revenue 2021: $364,456Expenses 2021: $288,697Net Income 2021: $75,7592021Revenue 2022: $451,936Expenses 2022: $436,991Net Income 2022: $14,9452022Revenue 2024: $471,728Expenses 2024: $505,774Net Income 2024: -$34,0462024

Highlighted filing

2017

Revenue$283,819
Expenses$260,775
Net Income$23,044
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 8, 2018
Return Version
2017v2.2
Gross Receipts
$288,213
Mission and Program Overview

Mission

Maternity bvm credit union is a member owned financial institution. Our mission is to provide our members with the best service possible. We are a family, working together toward financial success, one member at a time.

Illinois state chartered credit union offering financial services to its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$6,300,687$5,611,000▼ $689,687
Other Notes and Loans Receivable, Net$4,732,156$5,252,854▲ $520,698
Rtn Earn Endowment Incm Other Fnds$1,316,681$1,339,725▲ $23,044
Cash and Non-Interest-Bearing Accounts$41,084$407,879▲ $366,795
Land, Buildings, and Equipment, Net$58,642$49,979▼ $8,663
Prepaid Expenses and Deferred Charges$6,505$2,138▼ $4,367
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$11,274,641$11,453,069▲ $178,428
Other Assets Total$135,567$129,219▼ $6,348
Liabilities
Other Liabilities$9,933,197$10,089,293▲ $156,096
Accounts Payable and Accrued Expenses$24,763$24,051▼ $712
Total Liabilities$9,957,960$10,113,344▲ $155,384
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,316,681$1,339,725▲ $23,044
Total Liabilities and Net Assets / Fund Balance$11,274,641$11,453,069▲ $178,428

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$27,918$82,874$110,792
Equipment$12,061$91,253$103,314
Land$10,000-$10,000
Compensation and Service Providers
Top Officer Pay27th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Lisa LillisTreasurerFT$47,250$9,093$56,343
Jeanne BalberDirectorPT$12,006-$12,006
Michael HildebrandChairman-$1,570-$1,570

Board Members and Trustees

NameTitle
David AndersonVice President
Christopher BurnsDirector
Marsha SaathoffDirector
Robert J Lampley JrDirector
Cheryl BurnsSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$170,670
Investment Income
$111,543
Other Revenue
$1,606
Change in Net Assets
$23,044

Audited Revenue Reconciliation

Revenue per Audited Statements
$288,213
Revenue Not Reported on Financial Statements
$-4,394
Other Revenue Adjustments
$-4,394
Total Revenue per Audited Statements
$288,213
Total Revenue per Form 990
$283,819
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$134,446
Other Expenses$126,329
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$69,919
Other Salaries and Wages---$47,585
Interest---$30,491
Depreciation Depletion---$17,124
Fees for Services Other---$16,432
Insurance---$12,516
Payroll Taxes---$8,526
Other Expenses---$8,024
Occupancy---$7,098
Other Employee Benefits---$4,872
Pension Plan Contributions---$3,544
Total Functional Expenses$0$0$0$260,775

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$265,169
Expenses per Audited Statements$260,775
Total Expenses per Form 990$260,775
Expenses Not Reported on Form 990$4,394
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
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members shares$10,089,293
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
No
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
No
Other officer compensation reviewed
No
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, Part VI, Line 2: Description of Business or Family Relationship of Officers, Directors, Et

“Directors Christopher Burns and Cheryl Burns have a family relationship.”

Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder

“Membership consists of individuals with funds on deposit with the Credit Union. Membership is primarily open to members of Maternity BMV Church, members of St. George Catholic Church, employees of Bishop McNamara Catholic School System, employees of Maternity BMV Credit Union and family members of each of these groups.”

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

“Management reviews the Form 990 before signing and submitting.”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“The governing body follows Illinois state chartered credit union regulations, and governing documents are available upon request.”

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

“Financial statements available at www.ncua.gov”

Filing and Contact Details

Filer

Filer Name
Maternity BVM Credit Union
EIN
36-2406571
Phone
8159327131
Address
PO Box 56, Bourbonnais, IL 60914

Signing Officer

Name
Lisa Lillis
Title
Treasurer
Signed
2018-05-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Lisa Lillis
Formed
1957
Legal Domicile
Il
Voting Board Members
7
Independent Board Members
5
Employees
4
Volunteers
8

Preparer

Firm
Borschnack Pelletier & Co
Address
200 E COURT ST STE 608, KANKAKEE, IL 60901-3846
Preparer
Paul A Pelletier
Phone
8159331771
Supplemental Narrative

Financial Statement Notes

Part XII, Line 2D: Other expenses and losses per audited F/S

“Rental expense $4394”

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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/ProgramServiceRevenueGrp/Desc1Interest on loans to Mbrs
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt05292
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1165378
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt05292
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1165378
IRS990/ProgSrvcAccomActy2Grp/Desc0Credit Union pays dividends to its members on share deposit accounts at a market rate of interest. The total of members share and savings accounts at 12/31/17 was $10,089,293.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0105072
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0120172
IRS990/PYOtherRevenueAmt02917
IRS990/PYProgramServiceRevenueAmt0157087
IRS990/PYRevenuesLessExpensesAmt010440
IRS990/PYSalariesCompEmpBnftPaidAmt0134464
IRS990/PYTotalExpensesAmt0254636
IRS990/PYTotalRevenueAmt0265076
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt023044
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt01606
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01316681
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01339725
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06300687
IRS990/SavingsAndTempCashInvstGrp/EOYAmt05611000
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt027918
IRS990ScheduleD/BuildingsGrp/DepreciationAmt082874
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0110792
IRS990ScheduleD/EquipmentGrp/BookValueAmt012061
IRS990ScheduleD/EquipmentGrp/DepreciationAmt091253
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0103314
IRS990ScheduleD/ExpensesNotReportedAmt04394
IRS990ScheduleD/ExpensesSubtotalAmt0260775
IRS990ScheduleD/LandGrp/BookValueAmt010000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt010000
IRS990ScheduleD/OtherExpensesIncludedAmt04394
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt010089293
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Members shares
IRS990ScheduleD/OtherRevenuesNotIncludedAmt0-4394
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt0-4394
IRS990ScheduleD/RevenueSubtotalAmt0288213
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0Rental expense $4394
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part XII, Line 2d: Other expenses and losses per audited F/S
IRS990ScheduleD/TotalBookValueLandBuildingsAmt049979
IRS990ScheduleD/TotalExpensesPerForm990Amt0260775
IRS990ScheduleD/TotalLiabilityAmt010089293
IRS990ScheduleD/TotalRevenuePerForm990Amt0283819
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0288213
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0265169
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Directors Christopher Burns and Cheryl Burns have a family relationship.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Membership consists of individuals with funds on deposit with the Credit Union. Membership is primarily open to members of Maternity BMV Church, members of St. George Catholic Church, employees of Bishop McNamara Catholic School System, employees of Maternity BMV Credit Union and family members of each of these groups.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Management reviews the Form 990 before signing and submitting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The governing body follows Illinois state chartered credit union regulations, and governing documents are available upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Financial statements available at www.ncua.gov
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 2: Description of Business or Family Relationship of Officers, Directors, Et
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt011274641
IRS990/TotalAssetsEOYAmt011453069
IRS990/TotalAssetsGrp/BOYAmt011274641
IRS990/TotalAssetsGrp/EOYAmt011453069
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0260775
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt09957960
IRS990/TotalLiabilitiesEOYAmt010113344
IRS990/TotalLiabilitiesGrp/BOYAmt09957960
IRS990/TotalLiabilitiesGrp/EOYAmt010113344
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01316681
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01339725
IRS990/TotalOtherCompensationAmt09093
IRS990/TotalProgramServiceRevenueAmt0170670
IRS990/TotalReportableCompFromOrgAmt060826
IRS990/TotalRevenueGrp/ExclusionAmt01606
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0282213
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0283819
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt011274641
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt011453069
IRS990/TravelGrp/TotalAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO Box 56
IRS990/USAddress/CityNm0Bourbonnais
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd060914
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0mbvmcu.com
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Lisa Lillis
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Treasurer
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-05-08
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Maternity BVM Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0MATE
ReturnHeader/Filer/EIN0362406571
ReturnHeader/Filer/PhoneNum08159327131
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO Box 56
ReturnHeader/Filer/USAddress/CityNm0Bourbonnais
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd060914
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0263596611
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BORSCHNACK PELLETIER & CO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0200 E COURT ST STE 608
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0KANKAKEE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0609013846
ReturnHeader/PreparerPersonGrp/PhoneNum08159331771
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Paul A Pelletier
ReturnHeader/ReturnTs02018-05-08T13:28:22-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$11,453,069
Liabilities
$10,113,344
Net assets
$1,339,725
Revenue
$283,819
Expenses
$260,775
Net income
$23,044
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.4$10.9$1.44$0.47$0.51$0.03
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.5$12.1$1.47$0.45$0.44$0.01
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$13.4$11.9$1.46$0.36$0.29$0.08
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.8$10.5$1.35$0.32$0.31$0.01
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.6$10.3$1.34$0.29$0.29$0.00
2017Detailed filing. Detailed filing data is available for this year.$11.5$10.1$1.34$0.28$0.26$0.02
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.3$9.96$1.32$0.27$0.25$0.01
2015Detailed filing. Detailed filing data is available for this year.$11.3$9.97$1.31$0.26$0.24$0.03
2014Detailed filing. Detailed filing data is available for this year.$11.4$10.1$1.28$0.26$0.25$0.01
2013Detailed filing. Detailed filing data is available for this year.$11.4$10.1$1.27$0.27$0.25$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.5$9.22$1.26$0.26