Civic Intelligence

Alatrust Credit Union

990 • Fiscal year 2011 • EIN 63-0021787

Jan 01, 2011 to Dec 31, 2011 • Filed on Nov 05, 2012

PO Box 3648935236
Siviq Scores

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

Liabilities / Assets

27th percentile

0.88x

Higher debt load relative to assets than 27% of similar nonprofits.

2011 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

58th percentile

5.6%

Faster asset growth than 58% of similar nonprofits.

2011 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Assets

Up

$117,229,806

Up $6,235,080 (+5.6%) from 2010

Net Assets

Down

$14,381,687

Down $841,996 (-5.5%) from 2010

Liabilities

Up

$102,848,119

Up $7,077,076 (+7.4%) from 2010

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$6,172,000

Down $869,935 (-12%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$300M$200M$100M$0Assets 2010: $110,994,726Liabilities 2010: $95,771,043Net Assets 2010: $15,223,6832010Assets 2011: $117,229,806Liabilities 2011: $102,848,119Net Assets 2011: $14,381,6872011Assets 2012: $124,433,709Liabilities 2012: $108,925,921Net Assets 2012: $15,507,7882012Assets 2013: $130,592,656Liabilities 2013: $115,154,322Net Assets 2013: $15,438,3342013Assets 2014: $129,158,517Liabilities 2014: $113,284,533Net Assets 2014: $15,873,9842014Assets 2015: $132,551,766Liabilities 2015: $116,604,063Net Assets 2015: $15,947,7032015Assets 2016: $132,941,820Liabilities 2016: $117,556,444Net Assets 2016: $15,385,3762016Assets 2017: $134,189,689Liabilities 2017: $118,406,230Net Assets 2017: $15,783,4592017Assets 2018: $135,666,611Liabilities 2018: $119,335,767Net Assets 2018: $16,330,8442018Assets 2019: $140,643,251Liabilities 2019: $121,984,032Net Assets 2019: $18,659,2192019Assets 2020: $160,346,083Liabilities 2020: $139,605,044Net Assets 2020: $20,741,0392020Assets 2021: $183,851,968Liabilities 2021: $162,140,803Net Assets 2021: $21,711,1652021Assets 2022: $187,319,143Liabilities 2022: $172,884,154Net Assets 2022: $14,434,9892022Assets 2023: $199,335,118Liabilities 2023: $183,108,794Net Assets 2023: $16,226,3242023Assets 2024: $202,055,003Liabilities 2024: $182,764,887Net Assets 2024: $19,290,1162024

Highlighted filing

2011

Assets$117,229,806
Liabilities$102,848,119
Net Assets$14,381,687

Operations Trend

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

$15M$10M$5.0M$0-$5.0MExpenses 2010: $7,041,9352010Expenses 2011: $6,172,0002011Expenses 2012: $5,789,2312012Revenue 2013: $6,039,338Expenses 2013: $7,695,044Net Income 2013: -$1,655,7062013Revenue 2014: $5,664,090Expenses 2014: $4,998,403Net Income 2014: $665,6872014Revenue 2015: $5,944,109Expenses 2015: $5,294,424Net Income 2015: $649,6852015Revenue 2016: $5,642,688Expenses 2016: $5,132,157Net Income 2016: $510,5312016Revenue 2017: $5,557,016Expenses 2017: $5,131,316Net Income 2017: $425,7002017Revenue 2018: $6,181,928Expenses 2018: $5,159,772Net Income 2018: $1,022,1562018Revenue 2019: $6,643,637Expenses 2019: $5,667,246Net Income 2019: $976,3912019Revenue 2020: $6,665,159Expenses 2020: $5,691,968Net Income 2020: $973,1912020Revenue 2021: $6,977,892Expenses 2021: $5,739,206Net Income 2021: $1,238,6862021Revenue 2022: $8,462,340Expenses 2022: $6,122,684Net Income 2022: $2,339,6562022Revenue 2023: $9,937,960Expenses 2023: $8,033,194Net Income 2023: $1,904,7662023Revenue 2024: $11,426,984Expenses 2024: $9,641,597Net Income 2024: $1,785,3872024

Highlighted filing

2011

Revenue-
Expenses$6,172,000
Net Income-
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Nov 5, 2012
Return Version
2011v1.2
Gross Receipts
$6,778,937
Mission and Program Overview

Mission

Cooperative society incorporated for the twofold purpose of promoting thrift among its members and creating a source of credit for them at legitimate rates of interest.

Filing and Contact Details

Filer

EIN
63-0021787
Raw XML AppendixShowing 400 of 416 raw XML fields

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IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation0THE CREDIT UNION ACCEPTS AND MAINTAINS ESCROW PAYMENTS TO PAY ANNUAL TAXES AND INSURANCE ON MORTGAGED PROPERTY.
IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation1ON AN ANNUAL BASIS, THE ALABAMA CREDIT UNION ADMINISTRATION PERFORMS A REGULATORY EXAMINATION OF THE FINANCIAL STATEMENTS AND SAFETY AND SOUNDNESS OF THE CREDIT UNION. ADDITIONALLY, THE CREDIT UNION'S FINANCIAL STATEMENTS ARE AUDITED BY AN INDEPENDENT ACCOUNTANT AS OF SEPTEMBER 30 EACH YEAR IN ACCORDANCE WITH GENERALLY ACCEPTED ACCOUNTING PRINCIPLES FOR DEPOSITORY AND LENDING FINANCIAL INSTITUTIONS. AS A LENDING AND DEPOSIT-TAKING FINANCIAL INSTITUTION, THE CREDIT UNION IS NOT REQUIRED TO PREPARE IT'S FINANCIAL STATEMENTS IN ACCORDANCE WITH SFAS 117.
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IRS990ScheduleJ/SupplementalNonqualRetirePlan00
IRS990ScheduleO/GeneralExplanation/Explanation0ALABAMA BANKING CODE, SECTION 5-17-5 STATES THAT, "CREDIT UNION MEMBERSHIP SHALL CONSIST OF THE INCORPORATORS AND SUCH OTHER PERSONS AS MAY BE ELECTED TO MEMBERSHIP AND WHO SUBSCRIBE TO AT LEAST ONE SHARE AND PAY THE INITIAL INSTALLMENT THEREON AND THE ENTRANCE FEE. ORGANIZATIONS, INCORPORATED OR OTHERWISE, COMPOSED FOR THE MOST PART OF THE SAME GENERAL GROUP AS THE CREDIT UNION MEMBERSHIP MAY BE MEMBERS. CREDIT UNION ORGANIZATION SHALL BE LIMITED TO GROUPS, OF BOTH LARGE AND SMALL MEMBERSHIP, HAVING A COMMON BOND OF OCCUPATION OR ASSOCIATION OR TO GROUPS WITHIN A WELL- DEFINED NEIGHBORHOOD, COMMUNITY OR RURAL DISTRICT." THE MEMBERSHIP OF FIRST EDUCATORS CREDIT UNION WAS ESTABLISHED TO PROVIDE A VARIETY OF FINANCIAL SERVICES TO ITS MEMBERS, WHO ARE EMPLOYEES OF THE PUBLIC SCHOOLS LOCATED IN JEFFERSON, CALHOUN, WALKER AND TALLADEGA COUNTIES AND THEIR RELATIVES. THE CREDIT UNION'S FIELD OF MEMBERSHIP ALSO INCLUDES SELECTED EMPLOYEE GROUPS AND INDIVIDUALS THAT RESIDE IN THESE COUNTIES. AS OF DECEMBER 31, 2011, THE CREDIT UNION HAD MEMBERSHIP AND PROVIDED SERVICES TO APPROXIMATELY 16,065 MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation1ALABAMA BANKING CODE, SECTION 5-17-10 STATES THAT, "AT THE ANNUAL MEETING, THE CREDIT UNION SHALL ELECT A BOARD OF DIRECTORS OF NOT LESS THAN FIVE MEMBERS, A CREDIT COMMITTEE OF NOT LESS THAN THREE MEMBERS AND A SUPERVISORY COMMITTEE OF THREE MEMBERS, ALL TO HOLD OFFICE FOR SUCH TERMS RESPECTIVELY AS THE BYLAWS PROVIDE AND UNTIL SUCCESSORS QUALIFY. A RECORD OF THE NAMES AND ADDRESSES OF THE MEMBERS OF THE BOARD AND COMMITTEES AND THE OFFICERS SHALL BE FILED WITH THE ADMINISTRATOR OF THE ALABAMA CREDIT UNION ADMINISTRATION WITHIN 10 DAYS OF THEIR ELECTION. IF, HOWEVER, THE BYLAWS SO PROVIDE, THE BOARD OF DIRECTORS SHALL CARRY OUT THE FUNCTIONS AND DUTIES OF THE CREDIT COMMITTEE AND THE CREDIT UNION SHALL NOT ELECT A CREDIT COMMITTEE." THE BYLAWS OF FIRST EDUCATORS CREDIT UNION GOVERNING ELECTIONS ARE AS FOLLOWS: SEC. 1. AT LEAST ONE HUNDRED TWENTY (120) DAYS PRIOR TO EACH ANNUAL MEETING, THE CHAIRMAN OF THE BOARD OF DIRECTORS SHALL APPOINT A NOMINATING COMMITTEE OF NOT LESS THAN THREE (3) MEMBERS. IT SHALL BE THE DUTY OF THE NOMINATING COMMITTEE TO NOMINATE ONE MEMBER FOR EACH VACANCY (INCLUDING ANY UNEXPIRED VACANCY) ON THE BOARD OF DIRECTORS AND ON THE SUPERVISORY COMMITTEE FOR WHICH ELECTIONS WILL BE HELD AT THE ANNUAL MEETING. IN THE EVENT THAT A VACANCY ARISES SUBSEQUENT TO THE REPORT OF THE NOMINATING COMMITTEE, THE BOARD OF DIRECTORS SHALL DETERMINE WHETHER TO HOLD SUCH ELECTION IN CONJUNCTION WITH THE ELECTIONS ALREADY SCHEDULED FOR THE ANNUAL MEMBERSHIP MEETING OR TO HOLD SUCH ELECTION AS SOON AS PRACTICABLE FOLLOWING THE ANNUAL MEMBERSHIP MEETING. THE NOMINATING COMMITTEE SHALL FILE NOMINATIONS FOR ELECTIONS TO BE HELD IN CONJUNCTION WITH THE ANNUAL MEETING AT LEAST NINETY (90) DAYS PRIOR TO THE ANNUAL MEETING, AND THE SECRETARY SHALL NOTIFY, IN WRITING, ALL MEMBERS ELIGIBLE TO VOTE AT LEAST SEVENTY-FIVE (75) DAYS PRIOR TO THE ANNUAL MEETING, SAID NOTIFICATION TO CONTAIN THE FOLLOWING: A. THE NAMES OF THE NOMINEES OF THE NOMINATING COMMITTEE AND SUCH OTHER INFORMATION IS DEEMED DESIRABLE. B. A STATEMENT THAT PETITIONS SIGNED BY ONE (1) PERCENT OF THE MEMBERS (WITH A MAXIMUM OF FIVE HUNDRED (500)) ARE REQUIRED TO NOMINATE OTHER CANDIDATES. C. A STATEMENT OF A DEADLINE BEYOND WHICH NOMINATIONS BY PETITIONS WILL NOT BE ACCEPTED (PROVIDED THAT SUCH DEADLINE IS AT LEAST THIRTY (30) DAYS AFTER THE MAILING OF THE NOTICE). SEC. 2. ALL ELECTIONS SHALL BE DETERMINED BY PLURALITY VOTE AND SHALL BE BY BALLOT EXCEPT WHERE THERE IS ONLY ONE (1) NOMINEE FOR EACH POSITION TO BE FILLED. NOMINATIONS SHALL NOT BE MADE FROM THE FLOOR UNLESS SUFFICIENT NOMINATIONS HAVE NOT BEEN MADE BY THE NOMINATING COMMITTEE OR BY PETITION TO PROVIDE FOR ONE (1) NOMINEE FOR EACH POSITION TO BE FILLED OR UNLESS CIRCUMSTANCES PREVENT THE CANDIDACY OF ONE (1) NOMINEE FOR A POSITION TO BE FILLED. ONLY THOSE POSITIONS WITHOUT A NOMINEE SHALL BE SUBJECT TO NOMINATIONS FROM THE FLOOR OR SUBJECT TO BALLOTING AT THE ANNUAL MEETING; PROVIDED THAT ANY VACANCY OCCURRING AFTER APPOINTMENT OF THE NOMINATING COMMITTEE SHALL NOT BE SUBJECT TO NOMINATION OR VOTING IF THE BOARD HAS DETERMINED TO NOT CONDUCT SUCH ELECTION IN CONJUNCTION WITH THE ANNUAL MEETING. IF NOMINATIONS AND VOTING ARE APPROPRIATE, THE CHAIRMAN OF THE BOARD SHALL APPOINT TELLERS. WRITTEN BALLOTS SHALL BE DISTRIBUTED,THE VOTE TAKEN, THE RESULTS TALLIED BY THE TELLERS AND THE RESULTS ANNOUNCED. ELECTION MAY BE BY SEPARATE BALLOT FOR EACH VACANCY OR BY ONE (1) BALLOT FOR ALL VACANCIES AT THE DISCRETION OF THE PRESIDING OFFICER. SEC. 3. BALLOTS SHALL BE MAILED TO THE MEMBERSHIP AT LEAST THIRTY (30) DAYS PRIOR TO THE ANNUAL MEETING AND BALLOTS RECEIVED THROUGH THE DAY PRIOR TO THE ANNUAL MEETING SHALL BE COUNTED. THE RESULTS SHALL BE ANNOUNCED AT THE ANNUAL MEETING. THE MAILING PROCEDURES, VERIFICATION PROCEDURES AND VOTE TALLYING PROCEDURES SHALL BE BY SUCH PERSONS AND PURSUANT TO SUCH PROCEDURES AS ARE APPROVED BY THE BOARD OF DIRECTORS. SEC. 4. NO MEMBER SHALL BE ENTITLED TO VOTE BY PROXY, EXCEPT AS PR
IRS990ScheduleO/GeneralExplanation/Explanation2THE FOLLOWING TYPES OF DECISIONS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION'S MEMBERS: ELECTION & TERMINATION OF BOARD MEMBERS AND SUPERVISORY COMMITTEE MEMBERS, EXPULSION OF CREDIT UNION MEMBERS,CONVERSION FROM STATE TO FEDERAL CHARTER, AND MERGER DECISIONS.
IRS990ScheduleO/GeneralExplanation/Explanation3MANAGEMENT PERFORMS A REVIEW OF THE FORM 990 PRIOR TO FILING. THE RETURN IS REVIEWED BY THE BOARD AT A LATER DATE.
IRS990ScheduleO/GeneralExplanation/Explanation4MANAGEMENT'S COMPENSATION IS DETERMINED BY THE CREDIT UNION'S BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation5THE CREDIT UNION MAKES ITS GOVERNING DOCUMENTS AVAILABLE TO THE PUBLIC UPON REQUEST. THE CREDIT UNION'S FINANCIAL STATEMENTS CAN BE FOUND ON THE WEBSITE OF THE NCUA AT NCUA.GOV.
IRS990ScheduleO/GeneralExplanation/Explanation6CHANGE IN INVESTMENT VALUATION 10,991. CHANGE IN OTHER COMPREHENSIVE INCOME -1,459,924. TOTAL TO FORM 990, PART XI, LINE 5: -1,448,933.
IRS990ScheduleO/GeneralExplanation/Explanation7ON AN ANNUAL BASIS, THE ALABAMA CREDIT UNION ADMINISTRATION AND/OR THE NATIONAL CREDIT UNION ADMINISTRATION PERFORM A REGULATORY EXAMINATION OF THE FINANCIAL STATEMENTS AND SAFETY AND SOUNDNESS OF THE CREDIT UNION. ADDITIONALLY, THE CREDIT UNION'S FINANCIAL STATEMENTS ARE AUDITED BY AN INDEPENDENT ACCOUNTANT AS OF SEPTEMBER 30 EACH YEAR.
IRS990ScheduleO/GeneralExplanation/Explanation8THE CREDIT UNION'S HAS A SUPERVISORY COMMITTEE THAT IS RESPONSIBLE FOR ENSURING THAT THE BOARD OF DIRECTORS AND MANAGEMENT OF THE CREDIT UNION - (1)MEET REQUIRED FINANCIAL REPORTING OBJECTIVES AND (2) ESTABLISH PRACTICES AND PROCEDURES SUFFICIENT TO SAFEGUARD MEMBERS' ASSETS. THIS INCLUDES OVERSEEING THE ANNUAL FINANCIAL STATEMENT AUDIT AND THE SELECTION OF THE INDEPENDENT AUDITOR/ACCOUNTANT.
IRS990ScheduleO/GeneralExplanation/Identifier0CHANGES IN NET ASSETS OR FUND BALANCES:
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION B, LINE 15A
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PART XI, LINE 5:
IRS990ScheduleO/GeneralExplanation/ReturnReference7FORM 990, PART XII, LINE 2B:
IRS990ScheduleO/GeneralExplanation/ReturnReference8FORM 990, PART XII, LINE 2C:
IRS990/ScheduleORequired01
IRS990/School00
IRS990/SignificantChange00
IRS990/SignificantNewProgramServices00
IRS990/StateLegalDomicile0AL
IRS990/SubjectToProxyTax00
IRS990/TaxablePartyNotification00
IRS990/TaxExemptBonds00
IRS990/Terminated00
IRS990/TermOrPermanentEndowments00
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine101810 MERCHANTS DRIVE
IRS990/TheBooksAreInCareOf/AddressUS/City0BIRMINGHAM
IRS990/TheBooksAreInCareOf/AddressUS/State0AL
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode035244
IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine10STEVE NIX
IRS990/TheBooksAreInCareOf/TelephoneNumber02055818800
IRS990/TotalAssets/BOY0110994726
IRS990/TotalAssetsBOY0110994726
IRS990/TotalAssets/EOY0117229806
IRS990/TotalAssetsEOY0117229806
IRS990/TotalCompGT150K01
IRS990/TotalExpensesCurrentYear06172000
IRS990/TotalExpensesPriorYear07041935
IRS990/TotalFunctionalExpenses/Total06172000
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI09096
IRS990/TotalLiabilities/BOY095771043
IRS990/TotalLiabilitiesBOY095771043
IRS990/TotalLiabilities/EOY0102848119
IRS990/TotalLiabilitiesEOY0102848119
IRS990/TotalLiabNetAssetsFundBalances/BOY0110994726
IRS990/TotalLiabNetAssetsFundBalances/EOY0117229806
IRS990/TotalNbrEmployees059
IRS990/TotalNbrVolunteers09
IRS990/TotalNetAssetsFundBalances/BOY015223683
IRS990/TotalNetAssetsFundBalances/EOY014381687
IRS990/TotalOtherCompensation032624
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProfFundrsngExpPriorYear00
IRS990/TotalProgramServiceExpense06172000
IRS990/TotalProgramServiceRevenue06778937
IRS990/TotalReportableCompFrmRltdOrgs00
IRS990/TotalReportableCompFromOrg0280945
IRS990/TotalRevenueCurrentYear06778937
IRS990/TotalRevenue/ExclusionAmount00
IRS990/TotalRevenuePriorYear07041936
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome06769841
IRS990/TotalRevenue/TotalRevenueColumn06778937
IRS990/TotalRevenue/UnrelatedBusinessRevenue09096
IRS990/TransactionRelatedEntity00
IRS990/Travel/Total029840
IRS990/TypeOfOrganizationOther0X
IRS990/TypeOfOrgOtherDescription0STATE CHARTERED COOPERATIVE CREDIT UNION
IRS990/UnrelatedBusinessIncome01
IRS990/UponRequest0X
IRS990/WebSite0WWW.FIRSTEDUCATORSCU.COM
IRS990/WhistleblowerPolicy00
IRS990/YearFormation01935
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0630021787
ReturnHeader/Filer/Name/BusinessNameLine10FIRST EDUCATORS CREDIT UNION
ReturnHeader/Filer/NameControl0CRED
ReturnHeader/Filer/Phone02055818800
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 36489
ReturnHeader/Filer/USAddress/City0HOOVER
ReturnHeader/Filer/USAddress/State0AL
ReturnHeader/Filer/USAddress/ZIPCode035236
ReturnHeader/Officer/AuthorizeThirdParty01
ReturnHeader/Officer/DateSigned02012-11-05
ReturnHeader/Officer/Name0STEVE NIX

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$202$183$19.3$11.4$9.64$1.79
2023Detailed filing. Detailed filing data is available for this year.$199$183$16.2$9.94$8.03$1.90
2022Detailed filing. Detailed filing data is available for this year.$187$173$14.4$8.46$6.12$2.34
2021Detailed filing. Detailed filing data is available for this year.$184$162$21.7$6.98$5.74$1.24
2020Detailed filing. Detailed filing data is available for this year.$160$140$20.7$6.67$5.69$0.97
2019Detailed filing. Detailed filing data is available for this year.$141$122$18.7$6.64$5.67$0.98
2018Detailed filing. Detailed filing data is available for this year.$136$119$16.3$6.18$5.16$1.02
2017Detailed filing. Detailed filing data is available for this year.$134$118$15.8$5.56$5.13$0.43
2016Detailed filing. Detailed filing data is available for this year.$133$118$15.4$5.64$5.13$0.51
2015Detailed filing. Detailed filing data is available for this year.$133$117$15.9$5.94$5.29$0.65
2014Summary only. Only limited summary data is available for this year.$129$113$15.9$5.66$5.00$0.67
2013Detailed filing. Detailed filing data is available for this year.$131$115$15.4$6.04$7.70$1.66
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$124$109$15.5$5.79
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$117$103$14.4$6.17
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$111$95.8$15.2$7.04