Civic Intelligence

Claud a Sears Tr 3 Ua FBO Sears Memorial Fundrn

990EZ • Fiscal year 2015 • EIN 58-6076088

Jan 01, 2015 to Dec 31, 2015 • Filed on May 05, 2016

Organization ProfileN/A
P O Box 23024Columbus, GA 31902

(706) 644-0422

Siviq Scores

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

Liabilities / Assets

55th percentile

0.00x

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

2015 filings • 501(c)3 • <$500k nonprofits • Source year 2015

Liabilities / Revenue

55th percentile

0.00x

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

2015 filings • 501(c)3 • <$500k nonprofits • Source year 2015

Net Margin

92nd percentile

51%

Higher net margin than 92% of similar nonprofits.

2015 filings • 501(c)3 • <$500k nonprofits • Source year 2015

Top Officer Pay

75th percentile

$0

Higher top officer pay than 75% of similar nonprofits.

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

2015 filings • 501(c)3 • <$500k nonprofits • Source year 2015

Asset Growth

52nd percentile

2.8%

Faster asset growth than 52% of similar nonprofits.

2015 filings • 501(c)3 • <$500k nonprofits • Annualized from 2014 to 2015

Revenue Growth

22nd percentile

-22%

Faster revenue growth than 22% of similar nonprofits.

2015 filings • 501(c)3 • <$500k nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets55th percentile

Assets

Up

$117,780

Up $3,260 (+2.8%) from 2014

Net Assets

Up

$117,780

Up $3,260 (+2.8%) from 2014

Liabilities

Flat

$0

Flat from 2014

Revenue And Expenses
Liabilities / Revenue55th percentileNet Margin92nd percentile

Revenue

Down

$6,434

Down $1,839 (-22%) from 2014

Expenses

Down

$3,174

Down $521 (-14%) from 2014

Net Income

Down

$3,260

Down $1,318 (-29%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth52nd percentile

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

$150K$100K$50K$0Assets 2010: $104,564Liabilities 2010: $02010Assets 2011: $108,801Liabilities 2011: $0Net Assets 2011: $108,8012011Assets 2012: $116,432Liabilities 2012: $0Net Assets 2012: $116,4322012Assets 2013: $109,942Liabilities 2013: $0Net Assets 2013: $109,9422013Assets 2014: $114,520Liabilities 2014: $0Net Assets 2014: $114,5202014Assets 2015: $117,780Liabilities 2015: $0Net Assets 2015: $117,7802015Assets 2016: $120,738Net Assets 2016: $120,7382016Assets 2017: $125,434Net Assets 2017: $125,4342017Assets 2018: $127,191Net Assets 2018: $127,1912018Assets 2019: $128,061Liabilities 2019: $02019Assets 2020: $133,026Net Assets 2020: $133,0262020Assets 2021: $139,015Net Assets 2021: $139,0152021Assets 2022: $138,942Net Assets 2022: $138,9422022Assets 2023: $140,140Liabilities 2023: $02023Assets 2024: $142,581Net Assets 2024: $142,5812024

Highlighted filing

2015

Assets$117,780
Liabilities$0
Net Assets$117,780
Open 2015 Filing

Operations Trend

Revenue Growth22nd percentile

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

$20K$10K$0-$10KRevenue 2010: $5,990Expenses 2010: $1,402Net Income 2010: $4,5882010Revenue 2011: $4,630Expenses 2011: $393Net Income 2011: $4,2372011Revenue 2012: $8,045Expenses 2012: $414Net Income 2012: $7,6312012Revenue 2013: $8,730Expenses 2013: $15,220Net Income 2013: -$6,4902013Revenue 2014: $8,273Expenses 2014: $3,695Net Income 2014: $4,5782014Revenue 2015: $6,434Expenses 2015: $3,174Net Income 2015: $3,2602015Revenue 2016: $6,113Expenses 2016: $3,155Net Income 2016: $2,9582016Revenue 2017: $8,540Expenses 2017: $3,979Net Income 2017: $4,5612017Revenue 2018: $6,029Expenses 2018: $4,265Net Income 2018: $1,7642018Revenue 2019: $5,485Expenses 2019: $4,646Net Income 2019: $8392019Revenue 2020: $10,376Expenses 2020: $4,547Net Income 2020: $5,8292020Revenue 2021: $10,055Expenses 2021: $4,493Net Income 2021: $5,5622021Revenue 2022: $3,775Expenses 2022: $4,248Net Income 2022: -$4732022Revenue 2023: $6,578Expenses 2023: $5,380Net Income 2023: $1,1982023Revenue 2024: $8,671Expenses 2024: $6,230Net Income 2024: $2,4412024

Highlighted filing

2015

Revenue$6,434
Expenses$3,174
Net Income$3,260
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 5, 2016
Return Version
2015v2.1
Gross Receipts
$27,395
Mission and Program Overview

Mission

To Support the Ministry of the First Baptist Church, Columbus, GA

To support the ministry of the first baptist church, columbus, ga .

Program Services

DescriptionGrantsExpenses
FUNDING TUITION FOR SEMINARY STUDENTS, AS REQUESTED.$2,196$2,196
Compensation and Service Providers
Top Officer Pay75th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
TERESA T ABELLTrustee-$0--
Filing and Contact Details

Filer

Filer Name
Sears Memorial Fund
EIN
58-6076088
Phone
7066440422
Address
P O BOX 23024, COLUMBUS, GA 31902

Signing Officer

Name
Teresa T Abell
Title
Trustee
Phone
7066446294
Signed
2016-05-05
Discuss with paid preparer
Yes

Preparer

Firm
David E Moss CPA
Address
6416 BRADLEY PARK DRIVE SUITE A, COLUMBUS, GA 31904-0284
Preparer
David E Moss CPA
Phone
7063273303
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 4 - Other Investment Income

“Description: federated government obligations #5. Amount: 1. Description: dodge & cox income. Amount: 802. Description: american europacific growth. Amount: 67. Description: federated total return. Amount: 1,187. Description: fidelity small cap. Amount: 19. Description: jp morgan mid cap value. Amount: 22. Description: goldman sachs strategic. Amount: 62. Description: harbor international. Amount: 58. Description: oppenheimer developing markets. Amount: 15. Description: pimco funds low duration. Amount: 279. Description: sentinal common stock fund. Amount: 285. Description: vanguard 500 index fund. Amount: 367. Description: victory established value fund. Amount: 9. Total included on form 990-ez, line 4: 3,173.”

Form 990-ez, Part I, Line 10 - Grants and Similar Amounts Paid

“Activity classification: seminary student tuition. Grantee name: first baptist church. Grantee address: 212 12th street columbus, ga 31901. Grantee relationship: none. Property description: cash. Date of gift: 06/30/15. Amount given: 1,158.”

Form 990-ez, Part I, Line 10 - Grants and Similar Amounts Paid

“Activity classification: seminary student tuition. Grantee name: first baptist church. Grantee address: 212 12th street columbus, ga 31901. Grantee relationship: none. Property description: cash. Date of gift: 12/31/15. Amount given: 1,038. Total included on form 990-ez, line 10: 2,196.”

Raw XML Appendix141 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.

Path#Value
IRS990EZ/ActivitiesNotPreviouslyRptInd00
IRS990EZ/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0THE ORGANIZATION
IRS990EZ/BooksInCareOfDetail/PhoneNum07066440422
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0P O BOX 23024
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0COLUMBUS
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0GA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd031902
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt0114520
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0117780
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt020961
IRS990EZ/DirectIndirectPltclExpendAmt00
IRS990EZ/DonorAdvisedFndsInd00
IRS990EZ/EngagedInExcessBenefitTransInd00
IRS990EZ/ExcessOrDeficitForYearAmt03260
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt0978
IRS990EZ/FiledScheduleAInd01
IRS990EZ/ForeignFinancialAccountInd00
IRS990EZ/ForeignOfficeInd00
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0114520
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0117780
IRS990EZ/GainOrLossFromSaleOfAssetsAmt03261
IRS990EZ/GrantsAndSimilarAmountsPaidAmt02196
IRS990EZ/GrossReceiptsAmt027395
IRS990EZ/InfoInScheduleOPartIIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InfoInScheduleOPartVInd0X
IRS990EZ/InvestmentIncomeAmt03173
IRS990EZ/LobbyingActivitiesInd00
IRS990EZ/MadeLoansToFromOfficersInd00
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0114520
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0117780
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0114520
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0117780
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt00.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0TERESA T ABELL
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0TRUSTEE
IRS990EZ/OperateHospitalInd00
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd00
IRS990EZ/OrganizationHadUBIInd00
IRS990EZ/OtherChangesInNetAssetsAmt00
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd00
IRS990EZ/PrimaryExemptPurposeTxt0TO SUPPORT THE MINISTRY OF THE FIRST BAPTIST CHURCH, COLUMBUS, GA .
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0FUNDING TUITION FOR SEMINARY STUDENTS, AS REQUESTED.
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt02196
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt02196
IRS990EZ/ProhibitedTaxShelterTransInd00
IRS990EZ/RelatedOrganizationCtrlEntInd00
IRS990EZ/SaleOfAssetsGrossAmt024222
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd00
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0GA
IRS990EZ/SubjectToProxyTaxInd00
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt00
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt00
IRS990EZ/TanningServicesProvidedInd00
IRS990EZ/TaxImposedOnOrganizationMgrAmt00
IRS990EZ/TaxImposedUnderIRC4911Amt00
IRS990EZ/TaxImposedUnderIRC4912Amt00
IRS990EZ/TaxImposedUnderIRC4955Amt00
IRS990EZ/TaxReimbursedByOrganizationAmt00
IRS990EZ/TotalExpensesAmt03174
IRS990EZ/TotalProgramServiceExpensesAmt02196
IRS990EZ/TotalRevenueAmt06434
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990EZ/TypeOfOrganizationOtherDesc0FUND
IRS990EZ/TypeOfOrganizationOtherInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleA/Form990SchASupportingOrgGrp/Contribution35ControlledInd00
IRS990ScheduleA/Form990SchASupportingOrgGrp/ContributionControllerInd00
IRS990ScheduleA/Form990SchASupportingOrgGrp/ContributionFamilyInd00
IRS990ScheduleA/Form990SchASupportingOrgGrp/ControlledDisqualifiedPrsnInd00
IRS990ScheduleA/Form990SchASupportingOrgGrp/DisqualifiedPrsnControllIntInd00
IRS990ScheduleA/Form990SchASupportingOrgGrp/DisqualifiedPrsnOwnrIntInd00
IRS990ScheduleA/Form990SchASupportingOrgGrp/ExcessBusinessHoldingsRulesInd00
IRS990ScheduleA/Form990SchASupportingOrgGrp/ListedByNameGoverningDocInd01
IRS990ScheduleA/Form990SchASupportingOrgGrp/LoanDisqualifiedPersonInd00
IRS990ScheduleA/Form990SchASupportingOrgGrp/OrganizationChangeSuprtOrgInd00
IRS990ScheduleA/Form990SchASupportingOrgGrp/PaymentSubstantialContribtrInd00
IRS990ScheduleA/Form990SchASupportingOrgGrp/SupportedOrgNotOrganizedUSInd00
IRS990ScheduleA/Form990SchASupportingOrgGrp/SupportedOrgSectionC456Ind00
IRS990ScheduleA/Form990SchASupportingOrgGrp/SupportNonSupportedOrgInd00
IRS990ScheduleA/Form990SchASupportingOrgGrp/SuprtOrgNoIRSDeterminationInd00
IRS990ScheduleA/Form990SchAType1SuprtOrgGrp/OperateBenefitNonSuprtOrgInd00
IRS990ScheduleA/Form990SchAType1SuprtOrgGrp/PowerAppointMajorityDirTrstInd00
IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0THE SUPPORTING ORGANIZATION HAS DELEGATED ITS OPERATIONAL AUTHORITY TO THE SUPPORTED ORGANIZATION WITH REGARD TO THE ASETS OF THE SYPPORTING ORGANIZATION AND THE USE OF FUNDS OF THE SUPPORTING ORGANIZATION.
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0SCHEDULE A, PART IV, SECTION B, LINE 1
IRS990ScheduleA/OtherSupportSumAmt00
IRS990ScheduleA/SupportedOrganizationsCnt01
IRS990ScheduleA/SupportedOrganizationsTotalCnt01
IRS990ScheduleA/SupportedOrgInformationGrp/EIN0586076088
IRS990ScheduleA/SupportedOrgInformationGrp/GoverningDocumentListedInd01
IRS990ScheduleA/SupportedOrgInformationGrp/OrganizationTypeCd01
IRS990ScheduleA/SupportedOrgInformationGrp/OtherSupportAmt00
IRS990ScheduleA/SupportedOrgInformationGrp/SupportAmt02196
IRS990ScheduleA/SupportedOrgInformationGrp/SupportedOrganizationName/BusinessNameLine1Txt0FIRST BAPTIST CHURCH COLUMBUS GEORGIA
IRS990ScheduleA/SupportingOrganization509a3Ind0X
IRS990ScheduleA/SupportingOrgType1Ind0X
IRS990ScheduleA/SupportSumAmt02196
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DESCRIPTION: FEDERATED GOVERNMENT OBLIGATIONS #5. AMOUNT: 1. DESCRIPTION: DODGE & COX INCOME. AMOUNT: 802. DESCRIPTION: AMERICAN EUROPACIFIC GROWTH. AMOUNT: 67. DESCRIPTION: FEDERATED TOTAL RETURN. AMOUNT: 1,187. DESCRIPTION: FIDELITY SMALL CAP. AMOUNT: 19. DESCRIPTION: JP MORGAN MID CAP VALUE. AMOUNT: 22. DESCRIPTION: GOLDMAN SACHS STRATEGIC. AMOUNT: 62. DESCRIPTION: HARBOR INTERNATIONAL. AMOUNT: 58. DESCRIPTION: OPPENHEIMER DEVELOPING MARKETS. AMOUNT: 15. DESCRIPTION: PIMCO FUNDS LOW DURATION. AMOUNT: 279. DESCRIPTION: SENTINAL COMMON STOCK FUND. AMOUNT: 285. DESCRIPTION: VANGUARD 500 INDEX FUND. AMOUNT: 367. DESCRIPTION: VICTORY ESTABLISHED VALUE FUND. AMOUNT: 9. TOTAL INCLUDED ON FORM 990-EZ, LINE 4: 3,173.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ACTIVITY CLASSIFICATION: SEMINARY STUDENT TUITION. GRANTEE NAME: FIRST BAPTIST CHURCH. GRANTEE ADDRESS: 212 12TH STREET COLUMBUS, GA 31901. GRANTEE RELATIONSHIP: NONE. PROPERTY DESCRIPTION: CASH. DATE OF GIFT: 06/30/15. AMOUNT GIVEN: 1,158.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ACTIVITY CLASSIFICATION: SEMINARY STUDENT TUITION. GRANTEE NAME: FIRST BAPTIST CHURCH. GRANTEE ADDRESS: 212 12TH STREET COLUMBUS, GA 31901. GRANTEE RELATIONSHIP: NONE. PROPERTY DESCRIPTION: CASH. DATE OF GIFT: 12/31/15. AMOUNT GIVEN: 1,038. TOTAL INCLUDED ON FORM 990-EZ, LINE 10: 2,196.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 4 - OTHER INVESTMENT INCOME
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID
TransferPrsnlBnftContractsDecl/DeclarationDesc0THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY,OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT.THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY,OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT.
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0TERESA T ABELL
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TRUSTEE
ReturnHeader/BusinessOfficerGrp/PhoneNum07066446294
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-05-05
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SEARS MEMORIAL FUND
ReturnHeader/Filer/BusinessNameControlTxt0SEAR
ReturnHeader/Filer/EIN0586076088
ReturnHeader/Filer/PhoneNum07066440422
ReturnHeader/Filer/USAddress/AddressLine1Txt0P O BOX 23024
ReturnHeader/Filer/USAddress/CityNm0COLUMBUS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0GA
ReturnHeader/Filer/USAddress/ZIPCd031902
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0581774891
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0DAVID E MOSS CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt06416 BRADLEY PARK DRIVE SUITE A
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0COLUMBUS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0GA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0319040284
ReturnHeader/PreparerPersonGrp/PhoneNum07063273303
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0DAVID E MOSS CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02016-05-12T15:08:48-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$117,780
Liabilities
$0
Net assets
$117,780
Revenue
$6,434
Expenses
$3,174
Net income
$3,260
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.43$1.43$0.09$0.06$0.02
2023Summary only. Only limited summary data is available for this year.$1.40$0.00$0.07$0.05$0.01
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.39$1.39$0.04$0.04$0.00
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.39$1.39$0.10$0.04$0.06
2020Detailed filing. Detailed filing data is available for this year.$1.33$1.33$0.10$0.05$0.06
2019Summary only. Only limited summary data is available for this year.$1.28$0.00$0.05$0.05$0.01
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.27$1.27$0.06$0.04$0.02
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.25$1.25$0.09$0.04$0.05
2016Detailed filing. Detailed filing data is available for this year.$1.21$1.21$0.06$0.03$0.03
2015Detailed filing. Detailed filing data is available for this year.$1.18$0.00$1.18$0.06$0.03$0.03
2014Detailed filing. Detailed filing data is available for this year.$1.15$0.00$1.15$0.08$0.04$0.05
2013Detailed filing. Detailed filing data is available for this year.$1.10$0.00$1.10$0.09$0.15$0.06
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.16$0.00$1.16$0.08$0.00$0.08
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.09$0.00$1.09$0.05$0.00$0.04
2010Summary only. Only limited summary data is available for this year.$1.05$0.00$0.06$0.01$0.05