Civic Intelligence

The Whipple Scholarship Trust C/O Citizens Bank of Hickman Trustee

990 • Fiscal year 2016 • EIN 36-7516949

Apr 01, 2015 to Mar 31, 2016 • Filed on May 13, 2016

P O Box 268Hickman, KY 42050

(270) 236-2525

Siviq Scores

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

Liabilities / Assets

14th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Liabilities / Revenue

14th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Net Margin

58th percentile

5.0%

Higher net margin than 58% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Top Officer Pay

35th percentile

$0

Higher top officer pay than 35% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Asset Growth

45th percentile

0.2%

Faster asset growth than 45% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Revenue Growth

29th percentile

-5.9%

Faster revenue growth than 29% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Assets

Up

$1,229,408

Up $1,910 (+0.2%) from 2015

Net Assets

Up

$1,229,408

Up $1,910 (+0.2%) from 2015

Liabilities

Flat

$0

Flat from 2015

Revenue

Down

$38,400

Down $2,388 (-5.9%) from 2015

Expenses

Up

$36,490

Up $3,497 (+11%) from 2015

Net Income

Down

$1,910

Down $5,885 (-75%) from 2015

Historical Trend

Balance Sheet Trend

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

$1.5M$1.0M$500K$0Assets 2012: $284,079Liabilities 2012: $0Net Assets 2012: $284,0792012Assets 2013: $1,226,938Liabilities 2013: $0Net Assets 2013: $1,226,9382013Assets 2014: $1,219,703Liabilities 2014: $0Net Assets 2014: $1,219,7032014Assets 2015: $1,227,498Liabilities 2015: $0Net Assets 2015: $1,227,4982015Assets 2016: $1,229,408Liabilities 2016: $0Net Assets 2016: $1,229,4082016Assets 2017: $1,234,551Liabilities 2017: $0Net Assets 2017: $1,234,5512017Assets 2018: $1,233,785Liabilities 2018: $0Net Assets 2018: $1,233,7852018Assets 2019: $1,214,333Liabilities 2019: $0Net Assets 2019: $1,214,3332019Assets 2020: $1,201,220Liabilities 2020: $0Net Assets 2020: $1,201,2202020Assets 2021: $1,205,076Liabilities 2021: $0Net Assets 2021: $1,205,0762021Assets 2022: $1,208,713Liabilities 2022: $0Net Assets 2022: $1,208,7132022Assets 2023: $1,210,564Liabilities 2023: $0Net Assets 2023: $1,210,5642023Assets 2024: $1,222,528Liabilities 2024: $0Net Assets 2024: $1,222,5282024Assets 2025: $1,211,823Liabilities 2025: $0Net Assets 2025: $1,211,8232025

Highlighted filing

2016

Assets$1,229,408
Liabilities$0
Net Assets$1,229,408

Operations Trend

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

$60K$40K$20K$0-$20KRevenue 2012: $30,837Expenses 2012: $21,483Net Income 2012: $9,3542012Expenses 2013: $30,9642013Revenue 2014: $31,701Expenses 2014: $38,936Net Income 2014: -$7,2352014Revenue 2015: $40,788Expenses 2015: $32,993Net Income 2015: $7,7952015Revenue 2016: $38,400Expenses 2016: $36,490Net Income 2016: $1,9102016Revenue 2017: $41,101Expenses 2017: $35,958Net Income 2017: $5,1432017Revenue 2018: $44,301Expenses 2018: $45,067Net Income 2018: -$7662018Revenue 2019: $27,935Expenses 2019: $47,387Net Income 2019: -$19,4522019Revenue 2020: $11,295Expenses 2020: $24,408Net Income 2020: -$13,1132020Revenue 2021: $33,517Expenses 2021: $29,661Net Income 2021: $3,8562021Revenue 2022: $28,536Expenses 2022: $24,899Net Income 2022: $3,6372022Revenue 2023: $32,629Expenses 2023: $30,778Net Income 2023: $1,8512023Revenue 2024: $43,979Expenses 2024: $32,015Net Income 2024: $11,9642024Revenue 2025: $44,231Expenses 2025: $54,936Net Income 2025: -$10,7052025

Highlighted filing

2016

Revenue$38,400
Expenses$36,490
Net Income$1,910
Jump To
Filing Snapshot
Filing Period
Apr 1, 2015 to Mar 31, 2016
Signed
May 13, 2016
Return Version
2015v2.1
Gross Receipts
$38,400
Mission and Program Overview

Mission

Trust provides college scholarships to students of fulton county high school and fulton independent (kentucky) high school

Trust provides college scholarships

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$1,227,498$1,229,408▲ $1,910
Land, Buildings, and Equipment, Net$649,675$649,675→ $0
Savings and Temporary Cash Investments$432,810$432,810→ $0
Investments in Publicly Traded Securities$100,000$100,000→ $0
Cash and Non-Interest-Bearing Accounts$45,013$46,923▲ $1,910
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,227,498$1,229,408▲ $1,910
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,227,498$1,229,408▲ $1,910
Total Liabilities and Net Assets / Fund Balance$1,227,498$1,229,408▲ $1,910

Asset Categories

AssetBook ValueDepreciationBasis
Land$649,675--
Compensation and Service Providers

Board Members and Trustees

NameTitle
Aaron CollinsBoard Member
Jim MartinBoard Member
Kim CooperBoard Member
Lori MitchumBoard Member
Tamara SmithBoard Member
-Trustee
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$6,384
Other Revenue
$32,016
Change in Net Assets
$1,910
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Grants and Similar Amounts Paid$33,216
Other Expenses$3,274
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Grants to Domestic Individuals$33,216--$33,216
Fees for Services Accounting-$2,634-$2,634
Fees for Services Management-$640-$640
Total Functional Expenses$33,216$3,274$0$36,490
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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, Section A, line 8B

The board and trustee are the only groups with authority to make decisions on behalf of the organization

Form 990, Part VI, Section B, line 11

The trustee, the citizens bank of hickman, reviews the form 990 before the return is filed.

Form 990, Part VI, Section B, line 12C

The Trustee and each board member will annually sign a statement which affirms such person: 1) has received a copy of the conflict of interest policy 2) has read and understands the policy 3) has agreed to comply with the policy and 4) understands the organization is charitable and must engage in activities to accomplish its tax-exempt purpose.

Form 990, Part VI, Section C, line 19

Governing documents, conflict of interest policy, and financial statements are available upon request

Filing and Contact Details

Filer

Filer Name
The Whipple Scholarship Trust
EIN
36-7516949
Phone
2702362525
Address
P O BOX 268, HICKMAN, KY 42050

Signing Officer

Name
The Citizens Bank of Hickman
Title
Trustee
Phone
2702362525
Signed
2016-05-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
The Citizens Bank of Hick
Formed
2010
Legal Domicile
Ky
Voting Board Members
5
Independent Board Members
5
Employees
0
Volunteers
0

Preparer

Firm
Moffitt & Company Pllc
Address
P O BOX 1080, PADUCAH, KY 42002-1080
Preparer
Charles R Moffitt
Phone
2704440558
Raw XML AppendixShowing 400 of 415 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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IRS990ScheduleA/Form990SchAType3SprtOrgAllGrp/TimelyProvidedDocumentsInd00
IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0THE TWO SUPPORTED ORGANIZATIONS ARE PUBLIC SCHOOLS IN FULTON COUNTY KENTUCKY AND DO NOT HAVE IRS DETERINATION LETTERS.
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0PART IV, SEC A, ITEM 2:
IRS990ScheduleA/IRSWrittenDeterminationInd0X
IRS990ScheduleA/MinimumAssetAmountGrp/AcquisitionIndebtednessGrp/CurrentYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/AcquisitionIndebtednessGrp/PriorYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/AdjustedFMVLessIndebtednessGrp/CurrentYearAmt01214278
IRS990ScheduleA/MinimumAssetAmountGrp/AdjustedFMVLessIndebtednessGrp/PriorYearAmt01215023
IRS990ScheduleA/MinimumAssetAmountGrp/AverageMonthlyCashBalancesGrp/CurrentYearAmt0464603
IRS990ScheduleA/MinimumAssetAmountGrp/AverageMonthlyCashBalancesGrp/PriorYearAmt0465348
IRS990ScheduleA/MinimumAssetAmountGrp/AverageMonthlyFMVOfSecGrp/CurrentYearAmt0100000
IRS990ScheduleA/MinimumAssetAmountGrp/AverageMonthlyFMVOfSecGrp/PriorYearAmt0100000
IRS990ScheduleA/MinimumAssetAmountGrp/CashDeemedCharitableGrp/CurrentYearAmt018214
IRS990ScheduleA/MinimumAssetAmountGrp/CashDeemedCharitableGrp/PriorYearAmt018225
IRS990ScheduleA/MinimumAssetAmountGrp/DiscountClaimedAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/FMVOtherNonExemptUseAssetGrp/CurrentYearAmt0649675
IRS990ScheduleA/MinimumAssetAmountGrp/FMVOtherNonExemptUseAssetGrp/PriorYearAmt0649675
IRS990ScheduleA/MinimumAssetAmountGrp/NetVlNonExemptUseAssetsGrp/CurrentYearAmt01196064
IRS990ScheduleA/MinimumAssetAmountGrp/NetVlNonExemptUseAssetsGrp/PriorYearAmt01196798
IRS990ScheduleA/MinimumAssetAmountGrp/PctOfNetVlNonExemptUseAstGrp/CurrentYearAmt041862
IRS990ScheduleA/MinimumAssetAmountGrp/PctOfNetVlNonExemptUseAstGrp/PriorYearAmt041888
IRS990ScheduleA/MinimumAssetAmountGrp/RecoveriesPYDistriMinAssetGrp/CurrentYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/RecoveriesPYDistriMinAssetGrp/PriorYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/TotalFMVOfNonExemptUseAssetGrp/CurrentYearAmt01214278
IRS990ScheduleA/MinimumAssetAmountGrp/TotalFMVOfNonExemptUseAssetGrp/PriorYearAmt01215023
IRS990ScheduleA/MinimumAssetAmountGrp/TotalMinimumAssetGrp/CurrentYearAmt041862
IRS990ScheduleA/MinimumAssetAmountGrp/TotalMinimumAssetGrp/PriorYearAmt041888
IRS990ScheduleA/OtherSupportSumAmt00
IRS990ScheduleA/SupportedOrganizationsCnt02
IRS990ScheduleA/SupportedOrganizationsTotalCnt02
IRS990ScheduleA/SupportedOrgInformationGrp/EIN0616001296
IRS990ScheduleA/SupportedOrgInformationGrp/EIN1616001408
IRS990ScheduleA/SupportedOrgInformationGrp/GoverningDocumentListedInd01
IRS990ScheduleA/SupportedOrgInformationGrp/GoverningDocumentListedInd11
IRS990ScheduleA/SupportedOrgInformationGrp/OrganizationTypeCd02
IRS990ScheduleA/SupportedOrgInformationGrp/OrganizationTypeCd12
IRS990ScheduleA/SupportedOrgInformationGrp/OtherSupportAmt00
IRS990ScheduleA/SupportedOrgInformationGrp/OtherSupportAmt10
IRS990ScheduleA/SupportedOrgInformationGrp/SupportAmt023162
IRS990ScheduleA/SupportedOrgInformationGrp/SupportAmt110054
IRS990ScheduleA/SupportedOrgInformationGrp/SupportedOrganizationName/BusinessNameLine1Txt0FULTON COUNTY (KY) SCHOOL DISTRICT
IRS990ScheduleA/SupportedOrgInformationGrp/SupportedOrganizationName/BusinessNameLine1Txt1FULTON CITY (KY) INDEPENDENT SCHOOL DISTRICT
IRS990ScheduleA/SupportingOrganization509a3Ind0X
IRS990ScheduleA/SupportingOrgType3NonFuncInd0X
IRS990ScheduleA/SupportSumAmt033216
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/LandGrp/BookValueAmt0649675
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0649675
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0649675
IRS990ScheduleI/GrantRecordsMaintainedInd01
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt010054
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt123162
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0COLLEGE SCHOLARSHIPS TO FULTON CITY (KY) INDEPENDENT HIGH SCHOOL STUDENTS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt1COLLEGE SCHOLARSHIPS TO FULTON COUNTY (KY) HIGH SCHOOL STUDENTS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/NonCashAssistanceAmt00
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/NonCashAssistanceAmt10
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/NonCashAssistanceDesc0N/A
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/NonCashAssistanceDesc1N/A
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt022
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt132
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/ValuationMethodUsedDesc0N/A
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/ValuationMethodUsedDesc1N/A
IRS990ScheduleI/SupplementalInformationDetail/ExplanationTxt0STUDENTS SELECTED FOR SCHOLARSHIPS MUST RESIDE IN FULTON COUNTY AND ATTEND FULTON COUNTY OR FULTON INDEPENDENT (KENTUCKY) SCHOOLS AND ATTEND A TWO OR FOUR YEAR COLLEGE OR TECHNICAL SCHOOL.
IRS990ScheduleI/SupplementalInformationDetail/FormAndLineReferenceDesc0Part I, Line 2:
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE BOARD AND TRUSTEE ARE THE ONLY GROUPS WITH AUTHORITY TO MAKE DECISIONS ON BEHALF OF THE ORGANIZATION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE TRUSTEE, THE CITIZENS BANK OF HICKMAN, REVIEWS THE FORM 990 BEFORE THE RETURN IS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The Trustee and each board member will annually sign a statement which affirms such person: 1) has received a copy of the conflict of interest policy 2) has read and understands the policy 3) has agreed to comply with the policy and 4) understands the organization is charitable and must engage in activities to accomplish its tax-exempt purpose.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, line 8b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section C, line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt01227498
IRS990/TotalAssetsEOYAmt01229408
IRS990/TotalAssetsGrp/BOYAmt01227498
IRS990/TotalAssetsGrp/EOYAmt01229408
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt03274
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt033216
IRS990/TotalFunctionalExpensesGrp/TotalAmt036490
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt00
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt00
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01227498
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01229408
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt033216
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt038400
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt038400
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01227498
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01229408
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990/TypeOfOrganizationTrustInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0P O BOX 268
IRS990/USAddress/CityNm0HICKMAN
IRS990/USAddress/StateAbbreviationCd0KY
IRS990/USAddress/ZIPCd042050
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0THE CITIZENS BANK OF HICKMAN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TRUSTEE
ReturnHeader/BusinessOfficerGrp/PhoneNum02702362525
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-05-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0THE WHIPPLE SCHOLARSHIP TRUST
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0C/O CITIZENS BANK OF HICKMAN TRUSTEE
ReturnHeader/Filer/BusinessNameControlTxt0WHIP
ReturnHeader/Filer/EIN0367516949
ReturnHeader/Filer/PhoneNum02702362525
ReturnHeader/Filer/USAddress/AddressLine1Txt0P O BOX 268
ReturnHeader/Filer/USAddress/CityNm0HICKMAN

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$1.21$0.00$1.21$0.04$0.05$0.01
2024Detailed filing. Detailed filing data is available for this year.$1.22$0.00$1.22$0.04$0.03$0.01
2023Detailed filing. Detailed filing data is available for this year.$1.21$0.00$1.21$0.03$0.03$0.00
2022Detailed filing. Detailed filing data is available for this year.$1.21$0.00$1.21$0.03$0.02$0.00
2021Detailed filing. Detailed filing data is available for this year.$1.21$0.00$1.21$0.03$0.03$0.00
2020Detailed filing. Detailed filing data is available for this year.$1.20$0.00$1.20$0.01$0.02$0.01
2019Detailed filing. Detailed filing data is available for this year.$1.21$0.00$1.21$0.03$0.05$0.02
2018Detailed filing. Detailed filing data is available for this year.$1.23$0.00$1.23$0.04$0.05$0.00
2017Detailed filing. Detailed filing data is available for this year.$1.23$0.00$1.23$0.04$0.04$0.01
2016Detailed filing. Detailed filing data is available for this year.$1.23$0.00$1.23$0.04$0.04$0.00
2015Detailed filing. Detailed filing data is available for this year.$1.23$0.00$1.23$0.04$0.03$0.01
2014Detailed filing. Detailed filing data is available for this year.$1.22$0.00$1.22$0.03$0.04$0.01
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.23$0.00$1.23$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.28$0.00$0.28$0.03$0.02$0.01