Civic Intelligence

Brassies Credit Union

990 • Fiscal year 2015 • EIN 63-0337435

Jan 01, 2015 to Dec 31, 2015 • Filed on Mar 28, 2016

Organization Profile

View Organization Page

P O Box 1229Anniston, AL 36202

(256) 831-7180

Siviq Scores

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

Liabilities / Assets

45th percentile

0.85x

Higher debt load relative to assets than 45% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Liabilities / Revenue

60th percentile

21.33x

Higher debt load relative to revenue than 60% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Net Margin

51st percentile

4.9%

Higher net margin than 51% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Top Officer Pay

51st percentile

$52,837

Higher top officer pay than 51% of similar nonprofits.

Top officer pay equals 24.3% of source-year revenue.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Asset Growth

3rd percentile

-10.0%

Faster asset growth than 3% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2014 to 2015

Revenue Growth

51st percentile

-0.5%

Faster revenue growth than 51% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets45th percentile

Assets

Down

$5,472,285

Down $606,977 (-10.0%) from 2014

Net Assets

Up

$827,294

Up $10,766 (+1.3%) from 2014

Liabilities

Down

$4,644,991

Down $617,743 (-12%) from 2014

Revenue And Expenses
Liabilities / Revenue60th percentileNet Margin51st percentile

Revenue

Down

$217,778

Down $1,139 (-0.5%) from 2014

Expenses

Up

$207,013

Up $73,624 (+55%) from 2014

Net Income

Down

$10,765

Down $74,763 (-87%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth3rd percentile

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

$10M$5.0M$0Assets 2011: $8,277,743Liabilities 2011: $7,209,027Net Assets 2011: $1,068,7162011Assets 2012: $7,572,514Liabilities 2012: $7,572,514Net Assets 2012: $02012Assets 2013: $7,292,048Liabilities 2013: $6,561,048Net Assets 2013: $731,0002013Assets 2014: $6,079,262Liabilities 2014: $5,262,734Net Assets 2014: $816,5282014Assets 2015: $5,472,285Liabilities 2015: $4,644,991Net Assets 2015: $827,2942015Assets 2016: $5,290,580Liabilities 2016: $4,444,689Net Assets 2016: $845,8912016Assets 2017: $4,455,676Liabilities 2017: $3,662,211Net Assets 2017: $793,4652017Assets 2018: $4,042,758Liabilities 2018: $3,327,570Net Assets 2018: $715,1882018Assets 2019: $3,682,008Liabilities 2019: $3,005,425Net Assets 2019: $676,5832019

Highlighted filing

2015

Assets$5,472,285
Liabilities$4,644,991
Net Assets$827,294
Open 2015 Filing

Operations Trend

Revenue Growth51st percentile

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

$1.0M$500K$0-$500KRevenue 2011: $365,542Expenses 2011: $323,985Net Income 2011: $41,5572011Revenue 2012: $320,578Expenses 2012: $317,203Net Income 2012: $3,3752012Revenue 2013: $280,794Expenses 2013: $577,578Net Income 2013: -$296,7842013Revenue 2014: $218,917Expenses 2014: $133,389Net Income 2014: $85,5282014Revenue 2015: $217,778Expenses 2015: $207,013Net Income 2015: $10,7652015Revenue 2016: $207,743Expenses 2016: $189,146Net Income 2016: $18,5972016Revenue 2017: $213,511Expenses 2017: $265,937Net Income 2017: -$52,4262017Revenue 2018: $199,618Expenses 2018: $277,895Net Income 2018: -$78,2772018Revenue 2019: $201,393Expenses 2019: $239,998Net Income 2019: -$38,6052019

Highlighted filing

2015

Revenue$217,778
Expenses$207,013
Net Income$10,765
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Mar 28, 2016
Return Version
2015v2.1
Gross Receipts
$217,778
Mission and Program Overview

Mission

Credit Union - To provide services for approximately 614 members in the form of loans, checking and savings accounts, and other financial services.

Credit union-to provide financial services for its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$2,242,413$2,246,122▲ $3,709
Investments Other Securities$3,126,000$1,630,000▼ $1,496,000
Savings and Temporary Cash Investments$200,000$1,047,000▲ $847,000
Cap Stk Tr Prin Current Funds$620,000$620,000→ $0
Rtn Earn Endowment Incm Other Fnds$196,528$207,294▲ $10,766
Land, Buildings, and Equipment, Net$156,863$182,530▲ $25,667
Cash and Non-Interest-Bearing Accounts$198,502$178,544▼ $19,958
Prepaid Expenses and Deferred Charges$32,979$112,870▲ $79,891
Total Assets$6,079,262$5,472,285▼ $606,977
Other Assets Total$122,505$75,219▼ $47,286
Liabilities
Other Liabilities$5,256,284$4,643,276▼ $613,008
Accounts Payable and Accrued Expenses$6,450$1,715▼ $4,735
Total Liabilities$5,262,734$4,644,991▼ $617,743
Net Assets / Fund Balance
Total Net Assets Fund Balance$816,528$827,294▲ $10,766
Total Liabilities and Net Assets / Fund Balance$6,079,262$5,472,285▼ $606,977

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$136,757$4,187$140,944
Equipment$45,773$11,687$57,460
Other Securities$170,000--
Compensation and Service Providers
Top Officer Pay51st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michelle KingPresident/ceFT$40,557$12,280$52,837
Pam SmithOffice ManagFT$29,751$7,971$37,722

Board Members and Trustees

NameTitle
Sandra K FosterBoard Chairp
Debbie J FergusonBoard Member
Lance Nichols JrBoard Member
Richard RayBoard Vice C
David Scott SmithCredit COM M
Judy VinsonCredit Comm
Laurie RigsbySecretary/tr
James Harold YoungSupervisor C
Reed ClarksonSupervisory
Richard BarnhillSupervisory
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$179,937
Investment Income
$37,417
Other Revenue
$424
Change in Net Assets
$10,765
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$109,377
Other Expenses$97,636
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$80,377-$80,377
Office Expenses-$51,661-$51,661
Other Employee Benefits-$22,219-$22,219
Interest-$12,090-$12,090
Other Expenses-$8,589-$8,589
Payroll Taxes-$6,781-$6,781
Occupancy-$5,589-$5,589
All Other Expenses-$-13,959-$-13,959
Total Functional Expenses$0$207,013$0$207,013
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$4,386,365
All Other Shares$256,911
Other Liabilities-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The credit union is owned by the members.”

Form 990, Page 6, Part VI, Line 7A

“The board of directors is elected by the membership (one member, one vote). All duties, powers, and responsibilities are controlled by the board of directors. The members elect the boaerd of directors at the annual meeting every year.”

Form 990, Page 6, Part VI, Line 7B

“Some decisions made by the board of directors are affirmed by the members.”

Form 990, Page 6, Part VI, Line 11B

“The form 990 is reviewed by the manager. The form 990 is available for review by the board of directors upon request.”

Form 990, Page 6, Part VI, Line 12C

“The board of directors monitor and enforce the conflict of interest policy.”

Form 990, Page 6, Part VI, Line 15A

“Comparable salaries in the industry versus asset size of credit union reviewed by board of directors, who approves compensation and/or increases in salary for this position.”

Form 990, Page 6, Part VI, Line 19

“Financial documents are posted in the credit union lobby by the 15th of the subsequent month.”

Filing and Contact Details

Filer

Filer Name
Brassies Credit Union
EIN
63-0337435
Phone
2568317180
Address
P O BOX 1229, ANNISTON, AL 36202

Signing Officer

Name
Michelle King
Title
President/CEO
Phone
2568317180
Signed
2016-03-28
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michelle King
Formed
1954
Legal Domicile
Al
Voting Board Members
5
Independent Board Members
5
Employees
4
Volunteers
10

Preparer

Firm
Leverage the Lscu Service Corporation
Address
3692 COOLIDGE CT, TALLAHASSEE, FL 32311-7890
Preparer
Keith T Mcmurtrie
Phone
8505581102
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

“Hours of service are related to duties of the board of directors, supervisory committee, and credit committee without compensation.”

Form 990, Page 5, Part V, Line 3B

“The credit union does not have any unrelated business income.”

Form 990, Part XI, Line 9

“Due to rounding 1 total 1”

Form 990, Part XII

“Annual agreed upon procedures are performed by an independent auditor.”

Raw XML Appendix392 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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IRS990/PYOtherRevenueAmt0-26711
IRS990/PYProgramServiceRevenueAmt0199431
IRS990/PYRevenuesLessExpensesAmt085528
IRS990/PYSalariesCompEmpBnftPaidAmt099685
IRS990/PYTotalExpensesAmt0133389
IRS990/PYTotalRevenueAmt0218917
IRS990/ReconcilationRevenueExpnssAmt010765
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0196528
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0207294
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0200000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01047000
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0136757
IRS990ScheduleD/BuildingsGrp/DepreciationAmt04187
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0140944
IRS990ScheduleD/EquipmentGrp/BookValueAmt045773
IRS990ScheduleD/EquipmentGrp/DepreciationAmt011687
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt057460
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt04386365
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1256911
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ALL OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2OTHER LIABILITIES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt01460000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1170000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0ALL OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1CORPORATE CU PAID-IN CAPITAL
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0182530
IRS990ScheduleD/TotalBookValueSecuritiesAmt01630000
IRS990ScheduleD/TotalLiabilityAmt04643276
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS, SUPERVISORY COMMITTEE, AND CREDIT COMMITTEE WITHOUT COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION DOES NOT HAVE ANY UNRELATED BUSINESS INCOME.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION IS OWNED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP (ONE MEMBER, ONE VOTE). ALL DUTIES, POWERS, AND RESPONSIBILITIES ARE CONTROLLED BY THE BOARD OF DIRECTORS. THE MEMBERS ELECT THE BOAERD OF DIRECTORS AT THE ANNUAL MEETING EVERY YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE FORM 990 IS REVIEWED BY THE MANAGER. THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS MONITOR AND ENFORCE THE CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7COMPARABLE SALARIES IN THE INDUSTRY VERSUS ASSET SIZE OF CREDIT UNION REVIEWED BY BOARD OF DIRECTORS, WHO APPROVES COMPENSATION AND/OR INCREASES IN SALARY FOR THIS POSITION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9DUE TO ROUNDING 1 TOTAL 1
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10ANNUAL AGREED UPON PROCEDURES ARE PERFORMED BY AN INDEPENDENT AUDITOR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 5, PART V, LINE 3B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART XI, LINE 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10FORM 990, PART XII
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0AL
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt06079262
IRS990/TotalAssetsEOYAmt05472285
IRS990/TotalAssetsGrp/BOYAmt06079262
IRS990/TotalAssetsGrp/EOYAmt05472285
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0207013
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0207013
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt05262734
IRS990/TotalLiabilitiesEOYAmt04644991
IRS990/TotalLiabilitiesGrp/BOYAmt05262734
IRS990/TotalLiabilitiesGrp/EOYAmt04644991
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0816528
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0827294
IRS990/TotalOtherCompensationAmt020251
IRS990/TotalProgramServiceExpensesAmt0207013
IRS990/TotalProgramServiceRevenueAmt0179937
IRS990/TotalReportableCompFromOrgAmt070308
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0217778
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0217778
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt06079262
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt05472285
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0171 EVA LANE
IRS990/USAddress/CityNm0JACKSONVILLE
IRS990/USAddress/StateAbbreviationCd0AL
IRS990/USAddress/ZIPCd036265
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0MICHELLE KING
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum02568317180
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-03-28
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BRASSIES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0BRAS
ReturnHeader/Filer/EIN0630337435
ReturnHeader/Filer/PhoneNum02568317180
ReturnHeader/Filer/USAddress/AddressLine1Txt0P O BOX 1229
ReturnHeader/Filer/USAddress/CityNm0ANNISTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0AL
ReturnHeader/Filer/USAddress/ZIPCd036202
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0591086132
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0LEVERAGE THE LSCU SERVICE CORPORATION
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03692 COOLIDGE CT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TALLAHASSEE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0323117890
ReturnHeader/PreparerPersonGrp/PhoneNum08505581102
ReturnHeader/PreparerPersonGrp/PreparationDt02016-03-24
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KEITH T MCMURTRIE
ReturnHeader/ReturnTs02016-03-24T10:58:27-05:00
ReturnHeader/ReturnTypeCd0990
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 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$5,472,285
Liabilities
$4,644,991
Net assets
$827,294
Revenue
$217,778
Expenses
$207,013
Net income
$10,765
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2019Detailed filing. Detailed filing data is available for this year.$3.68$3.01$0.68$0.20$0.24$0.04
2018Detailed filing. Detailed filing data is available for this year.$4.04$3.33$0.72$0.20$0.28$0.08
2017Detailed filing. Detailed filing data is available for this year.$4.46$3.66$0.79$0.21$0.27$0.05
2016Detailed filing. Detailed filing data is available for this year.$5.29$4.44$0.85$0.21$0.19$0.02
2015Detailed filing. Detailed filing data is available for this year.$5.47$4.64$0.83$0.22$0.21$0.01
2014Detailed filing. Detailed filing data is available for this year.$6.08$5.26$0.82$0.22$0.13$0.09
2013Detailed filing. Detailed filing data is available for this year.$7.29$6.56$0.73$0.28$0.58$0.30
2012Summary only. Only limited summary data is available for this year.$7.57$7.57$0.00$0.32$0.32$0.00
2011Summary only. Only limited summary data is available for this year.$8.28$7.21$1.07$0.37$0.32$0.04