Civic Intelligence

Interface Ministries Inc.

990 • Fiscal year 2020 • EIN 58-1970866

Nov 01, 2019 to Oct 31, 2020 • Filed on Sep 14, 2021

PO Box 450816Atlanta, GA 31145-0816

(770) 934-7797

Siviq Scores

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

Liabilities / Assets

61st percentile

0.18x

Higher debt load relative to assets than 61% of similar nonprofits.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2020

Liabilities / Revenue

55th percentile

0.17x

Higher debt load relative to revenue than 55% of similar nonprofits.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2020

Net Margin

33rd percentile

-1.6%

Higher net margin than 33% of similar nonprofits.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2020

Top Officer Pay

53rd percentile

$66,264

Higher top officer pay than 53% of similar nonprofits.

Top officer pay equals 5.7% of source-year revenue.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2020

Asset Growth

67th percentile

16%

Faster asset growth than 67% of similar nonprofits.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2019 to 2020

Revenue Growth

50th percentile

0.9%

Faster revenue growth than 50% of similar nonprofits.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2019 to 2020

Assets

Up

$1,062,446

Up $143,895 (+16%) from 2019

Net Assets

Down

$868,182

Down $23,940 (-2.7%) from 2019

Liabilities

Up

$194,264

Up $167,835 (+635%) from 2019

Revenue

Up

$1,162,495

Up $10,662 (+0.9%) from 2019

Expenses

Down

$1,180,868

Down $11,057 (-0.9%) from 2019

Net Income

Up

-$18,373

Up $21,719 (+54%) from 2019

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 2011: $530,604Liabilities 2011: $9,894Net Assets 2011: $520,7102011Assets 2012: $630,215Liabilities 2012: $20,773Net Assets 2012: $609,4422012Assets 2013: $698,286Liabilities 2013: $17,894Net Assets 2013: $680,3922013Assets 2014: $753,495Liabilities 2014: $836Net Assets 2014: $752,6592014Assets 2015: $792,096Liabilities 2015: $0Net Assets 2015: $792,0962015Assets 2016: $784,729Liabilities 2016: $14,270Net Assets 2016: $770,4592016Assets 2017: $891,788Liabilities 2017: $9,169Net Assets 2017: $882,6192017Assets 2018: $923,548Liabilities 2018: $31,140Net Assets 2018: $892,4082018Assets 2019: $918,551Liabilities 2019: $26,429Net Assets 2019: $892,1222019Assets 2020: $1,062,446Liabilities 2020: $194,264Net Assets 2020: $868,1822020Assets 2021: $1,156,438Liabilities 2021: $0Net Assets 2021: $1,156,4382021Assets 2022: $1,061,206Liabilities 2022: $0Net Assets 2022: $1,061,2062022Assets 2023: $1,073,723Liabilities 2023: $272Net Assets 2023: $1,073,4512023Assets 2024: $1,110,431Liabilities 2024: $23,357Net Assets 2024: $1,087,0742024

Highlighted filing

2020

Assets$1,062,446
Liabilities$194,264
Net Assets$868,182

Operations Trend

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

$1.5M$1.0M$500K$0-$500KRevenue 2011: $1,329,773Expenses 2011: $1,265,148Net Income 2011: $64,6252011Revenue 2012: $1,351,879Expenses 2012: $1,263,147Net Income 2012: $88,7322012Expenses 2013: $1,265,0272013Revenue 2014: $1,262,685Expenses 2014: $1,190,418Net Income 2014: $72,2672014Revenue 2015: $1,265,514Expenses 2015: $1,239,674Net Income 2015: $25,8402015Revenue 2016: $1,218,673Expenses 2016: $1,240,309Net Income 2016: -$21,6362016Revenue 2017: $1,318,728Expenses 2017: $1,206,568Net Income 2017: $112,1602017Revenue 2018: $1,262,224Expenses 2018: $1,252,435Net Income 2018: $9,7892018Revenue 2019: $1,151,833Expenses 2019: $1,191,925Net Income 2019: -$40,0922019Revenue 2020: $1,162,495Expenses 2020: $1,180,868Net Income 2020: -$18,3732020Revenue 2021: $1,371,214Expenses 2021: $1,172,041Net Income 2021: $199,1732021Revenue 2022: $1,290,423Expenses 2022: $1,309,933Net Income 2022: -$19,5102022Revenue 2023: $1,240,666Expenses 2023: $1,285,086Net Income 2023: -$44,4202023Revenue 2024: $1,266,100Expenses 2024: $1,219,008Net Income 2024: $47,0922024

Highlighted filing

2020

Revenue$1,162,495
Expenses$1,180,868
Net Income-$18,373
Jump To
Filing Snapshot
Filing Period
Nov 1, 2019 to Oct 31, 2020
Signed
Sep 14, 2021
Return Version
2019v5.1
Gross Receipts
$1,162,495
Mission and Program Overview

Mission

To provide religious, charitable, educational programs via organized trips & seminars

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$582,794$571,691▼ $11,103
Savings and Temporary Cash Investments$266,323$285,469▲ $19,146
Cash and Non-Interest-Bearing Accounts$65,097$199,815▲ $134,718
Land, Buildings, and Equipment, Net$4,337$5,471▲ $1,134
Total Assets$918,551$1,062,446▲ $143,895
Liabilities
Mortgage Notes Payable Secured by Investment Property-$194,100-
Accounts Payable and Accrued Expenses$26,429$164▼ $26,265
Total Liabilities$26,429$194,264▲ $167,835
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$892,122$868,182▼ $23,940
Total Net Assets Fund Balance$892,122$868,182▼ $23,940
Total Liabilities and Net Assets / Fund Balance$918,551$1,062,446▲ $143,895

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$5,471$24,660$30,131
Land$0--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
James PaternosterPresident-$66,264$66,264
Lynn CulverDirectorFT$24,159$24,159
Robert CulverDirectorFT$12,842$12,842

Board Members and Trustees

NameTitle
Janice WellsChairman
Bruce WellsDirector
Cindi FinnDirector
Taylor WebbSecretary & Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$1,156,509
Program Service Revenue
$0
Investment Income
$5,986
Other Revenue
$0
All Other Contributions
$1,156,509
Change in Net Assets
$-18,373

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,162,495
Revenue Not Reported on Form 990
$24,109
Total Revenue per Audited Statements
$1,186,604
Total Revenue per Form 990
$1,162,495
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$947,650
Other Expenses$233,218
Total Fundraising Expense$18,950
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$607,076$117,918$14,793$739,787
Current Officers, Directors, Trustees, and Key Employees$84,740$16,460$2,065$103,265
All Other Expenses$66,454$12,084$0$78,538
Payroll Taxes$52,279$10,155$1,274$63,708
Other Employee Benefits$33,554$6,518$818$40,890
Information Technology$11,841$17,145$0$28,986
Conferences and Meetings$4,275$12,884$0$17,159
Fees for Services Accounting$0$7,955$0$7,955
Other Expenses$6,927$851$0$7,778
Travel$5,534$780$0$6,314
Depreciation Depletion$4,350$854$0$5,204
Occupancy$0$4,200$0$4,200
Advertising$120$0$0$120
Total Functional Expenses$943,203$218,715$18,950$1,180,868

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,180,808
Total Expenses per Audited Statements$1,180,808
Total Expenses per Form 990$1,180,808
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
Audit committee
Yes
Business relationship with 35% controlled entity
No
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Interface Ministries Inc
EIN
58-1970866
Phone
7709347797
Address
PO BOX 450816, ATLANTA, GA 31145-0816

Signing Officer

Name
James Paternoster
Title
President
Phone
7709347797
Signed
2021-09-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Dr Robert Culver
Formed
1991
Legal Domicile
Ga
Voting Board Members
7
Independent Board Members
5
Employees
31
Volunteers
1,000

Preparer

Firm
Burge & Associates Pc
Address
315 W PONCE DE LEON AVE STE 700, DECATUR, GA 30030
Preparer
M Chester Burge Jr
Phone
7704466649
Supplemental Narrative

Additional Explanations

Pt VI, Line 2

Robert & lynn culver - married

Pt VI, Line 11B

Organization officers and board of directors review form

Pt VI, Line 11B

990 after its completion for accuracy and cross reference

Pt VI, Line 11B

To financial statements and other records, as applicable

Pt VI, Line 19

GOVERNING DOCUMENTS, POLICIES, and FINANCIAL STATEMENTS

Pt VI, Line 19

Are made available upon request

Pt VI, Line 7A

BOARD OF DIRECTORS

Pt VI, Line 8A

Board minutes available upon request

Pt VI, Line 12C

Discussed at annual board meeting

Pt XII, Line 2C

No change in oversight process

Pt VI, Line 8B

There is no committee with such authority

Pt VI, Line 15A

Board determines salary with review of appropriate industry standards

Pt VI, Line 15B

Board determines salary with review of appropriate industry standards

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IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt01156509
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt01141722
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt01281738
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt01225287
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt01169612
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt05974868
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt05986
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt010111
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt06480
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt04192
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt02167
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt028936
IRS990ScheduleA/InvestmentIncomeCYPct00
IRS990ScheduleA/OtherIncome170Grp/TotalAmt00
IRS990ScheduleA/OtherSupportSumAmt00
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.99520
IRS990ScheduleA/PublicSupportCY509Pct00
IRS990ScheduleA/PublicSupportPY170Pct00.99670
IRS990ScheduleA/PublicSupportTotal170Amt05974868
IRS990ScheduleA/PublicSupportTotal509Amt00
IRS990ScheduleA/SubstantialContributorsTotAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt01156509
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt01141722
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt01281738
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt01225287
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt01169612
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt05974868
IRS990ScheduleA/TotalSupportAmt06003804
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/TotalAmt00
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
IRS990/ScheduleBRequiredInd0true
IRS990ScheduleD/EquipmentGrp/BookValueAmt05471
IRS990ScheduleD/EquipmentGrp/DepreciationAmt024660
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt030131
IRS990ScheduleD/ExpensesSubtotalAmt01180808
IRS990ScheduleD/LandGrp/BookValueAmt00
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/NetUnrealizedGainsInvstAmt024109
IRS990ScheduleD/RevenueNotReportedAmt024109
IRS990ScheduleD/RevenueSubtotalAmt01162495
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05471
IRS990ScheduleD/TotalExpensesPerForm990Amt01180808
IRS990ScheduleD/TotalRevenuePerForm990Amt01162495
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01186604
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01180808
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ROBERT & LYNN CULVER - MARRIED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ORGANIZATION OFFICERS AND BOARD OF DIRECTORS REVIEW FORM
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2990 AFTER ITS COMPLETION FOR ACCURACY AND CROSS REFERENCE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3TO FINANCIAL STATEMENTS AND OTHER RECORDS, AS APPLICABLE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4GOVERNING DOCUMENTS, POLICIES, and FINANCIAL STATEMENTS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ARE MADE AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6BOARD OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7BOARD MINUTES AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8DISCUSSED AT ANNUAL BOARD MEETING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9NO CHANGE IN OVERSIGHT PROCESS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10THERE IS NO COMMITTEE WITH SUCH AUTHORITY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11BOARD DETERMINES SALARY WITH REVIEW OF APPROPRIATE INDUSTRY STANDARDS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12BOARD DETERMINES SALARY WITH REVIEW OF APPROPRIATE INDUSTRY STANDARDS
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Pt VI, Line 8a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Pt XII, Line 2c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Pt VI, Line 8b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Pt VI, Line 15b
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0GA
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0918551
IRS990/TotalAssetsEOYAmt01062446
IRS990/TotalAssetsGrp/BOYAmt0918551
IRS990/TotalAssetsGrp/EOYAmt01062446
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt01156509
IRS990/TotalEmployeeCnt031
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt018950
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0218715
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0943203
IRS990/TotalFunctionalExpensesGrp/TotalAmt01180868
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt026429
IRS990/TotalLiabilitiesEOYAmt0194264
IRS990/TotalLiabilitiesGrp/BOYAmt026429
IRS990/TotalLiabilitiesGrp/EOYAmt0194264
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0892122
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0868182
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0943203
IRS990/TotalReportableCompFromOrgAmt0103265
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt05986
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01162495
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt01000
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0918551
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01062446
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/FundraisingAmt00
IRS990/TravelGrp/ManagementAndGeneralAmt0780
IRS990/TravelGrp/ProgramServicesAmt05534
IRS990/TravelGrp/TotalAmt06314
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 450816
IRS990/USAddress/CityNm0ATLANTA
IRS990/USAddress/StateAbbreviationCd0GA
IRS990/USAddress/ZIPCd031145
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0N/A

Document Assets

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.11$0.02$1.09$1.27$1.22$0.05
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.07$0.00$1.07$1.24$1.29$0.04
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.06$0.00$1.06$1.29$1.31$0.02
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.16$0.00$1.16$1.37$1.17$0.20
2020Detailed filing. Detailed filing data is available for this year.$1.06$0.19$0.87$1.16$1.18$0.02
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.92$0.03$0.89$1.15$1.19$0.04
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.92$0.03$0.89$1.26$1.25$0.01
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.89$0.01$0.88$1.32$1.21$0.11
2016Detailed filing. Detailed filing data is available for this year.$0.78$0.01$0.77$1.22$1.24$0.02
2015Summary only. Only limited summary data is available for this year.$0.79$0.00$0.79$1.27$1.24$0.03
2014Detailed filing. Detailed filing data is available for this year.$0.75$0.00$0.75$1.26$1.19$0.07
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.70$0.02$0.68$1.27
2012Summary only. Only limited summary data is available for this year.$0.63$0.02$0.61$1.35$1.26$0.09
2011Summary only. Only limited summary data is available for this year.$0.53$0.01$0.52$1.33$1.27$0.06