Civic Intelligence

Central Holmes Christian School

990 • Fiscal year 2019 • EIN 64-0435781

Jul 01, 2018 to Jun 30, 2019 • Filed on Dec 17, 2019

130 Robert E Lee DriveLexington, MS 39095

(662) 834-3011

Siviq Scores

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

Liabilities / Assets

73rd percentile

0.31x

Higher debt load relative to assets than 73% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2019

Liabilities / Revenue

65th percentile

0.19x

Higher debt load relative to revenue than 65% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2019

Net Margin

27th percentile

-5.1%

Higher net margin than 27% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2019

Top Officer Pay

36th percentile

$0

Higher top officer pay than 36% of similar nonprofits.

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

2019 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2019

Asset Growth

16th percentile

-6.5%

Faster asset growth than 16% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Revenue Growth

42nd percentile

1.0%

Faster revenue growth than 42% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Assets

Down

$780,280

Down $54,010 (-6.5%) from 2018

Net Assets

Down

$539,368

Down $63,657 (-11%) from 2018

Liabilities

Up

$240,912

Up $9,647 (+4.2%) from 2018

Revenue

Up

$1,240,679

Up $12,221 (+1.0%) from 2018

Expenses

Up

$1,304,336

Up $145,164 (+13%) from 2018

Net Income

Down

-$63,657

Down $132,943 (-192%) from 2018

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 2010: $637,309Liabilities 2010: $120,725Net Assets 2010: $516,5842010Assets 2011: $693,532Liabilities 2011: $135,459Net Assets 2011: $558,0732011Assets 2012: $574,927Liabilities 2012: $117,385Net Assets 2012: $457,5422012Assets 2013: $393,068Liabilities 2013: $134,377Net Assets 2013: $258,6912013Assets 2014: $490,188Liabilities 2014: $95,472Net Assets 2014: $394,7162014Assets 2015: $586,509Liabilities 2015: $133,069Net Assets 2015: $453,4402015Assets 2016: $567,984Liabilities 2016: $126,683Net Assets 2016: $441,3012016Assets 2017: $773,884Liabilities 2017: $239,532Net Assets 2017: $534,3522017Assets 2018: $834,290Liabilities 2018: $231,265Net Assets 2018: $603,0252018Assets 2019: $780,280Liabilities 2019: $240,912Net Assets 2019: $539,3682019Assets 2020: $851,681Liabilities 2020: $509,763Net Assets 2020: $341,9182020Assets 2021: $1,248,067Liabilities 2021: $223,645Net Assets 2021: $1,024,4222021Assets 2022: $1,212,726Liabilities 2022: $267,838Net Assets 2022: $944,8882022Assets 2023: $1,472,871Liabilities 2023: $260,127Net Assets 2023: $1,212,7442023Assets 2024: $1,367,868Liabilities 2024: $194,591Net Assets 2024: $1,173,2772024Assets 2025: $1,107,154Liabilities 2025: $165,449Net Assets 2025: $941,7052025

Highlighted filing

2019

Assets$780,280
Liabilities$240,912
Net Assets$539,368

Operations Trend

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $1,036,1952010Expenses 2011: $1,089,3072011Expenses 2012: $1,161,2282012Expenses 2013: $1,232,0472013Revenue 2014: $1,285,218Expenses 2014: $1,149,193Net Income 2014: $136,0252014Revenue 2015: $1,208,219Expenses 2015: $1,149,495Net Income 2015: $58,7242015Revenue 2016: $1,375,378Expenses 2016: $1,387,517Net Income 2016: -$12,1392016Revenue 2017: $1,379,815Expenses 2017: $1,286,764Net Income 2017: $93,0512017Revenue 2018: $1,228,458Expenses 2018: $1,159,172Net Income 2018: $69,2862018Revenue 2019: $1,240,679Expenses 2019: $1,304,336Net Income 2019: -$63,6572019Revenue 2020: $1,180,234Expenses 2020: $1,359,587Net Income 2020: -$179,3532020Revenue 2021: $2,096,363Expenses 2021: $1,413,448Net Income 2021: $682,9152021Revenue 2022: $1,340,786Expenses 2022: $1,420,320Net Income 2022: -$79,5342022Revenue 2023: $1,759,573Expenses 2023: $1,491,725Net Income 2023: $267,8482023Revenue 2024: $1,582,210Expenses 2024: $1,621,771Net Income 2024: -$39,5612024Revenue 2025: $1,339,753Expenses 2025: $1,571,325Net Income 2025: -$231,5722025

Highlighted filing

2019

Revenue$1,240,679
Expenses$1,304,336
Net Income-$63,657
Jump To
Filing Snapshot
Filing Period
Jul 1, 2018 to Jun 30, 2019
Signed
Dec 17, 2019
Return Version
2018v3.2
Gross Receipts
$1,240,679
Mission and Program Overview

Mission

Education k-12. To provide spirtual, mental, physical and leadership training to students in the classroom settings.

Education k-12. To provide spirtual, mental, physical and leadhership training to students in the classroom settings.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$347,260$347,119▼ $141
Savings and Temporary Cash Investments$353,545$309,209▼ $44,336
Cash and Non-Interest-Bearing Accounts$92,161$87,235▼ $4,926
Accounts Receivable$41,323$36,717▼ $4,606
Total Assets$834,289$780,280▼ $54,009
Liabilities
Mortgage Notes Payable Secured by Investment Property$66,628$98,913▲ $32,285
Deferred Revenue$124,136$89,634▼ $34,502
Accounts Payable and Accrued Expenses$17,726$27,165▲ $9,439
Other Liabilities$22,774$25,200▲ $2,426
Total Liabilities$231,264$240,912▲ $9,648
Net Assets / Fund Balance
Unrestricted Net Assets$603,025$539,368▼ $63,657
Total Net Assets Fund Balance$603,025$539,368▼ $63,657
Total Liabilities and Net Assets / Fund Balance$834,289$780,280▼ $54,009

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$329,619$1,055,155$1,384,774
Land$17,500-$17,500
Compensation and Service Providers

Board Members and Trustees

NameTitle
Neil MarshallPresident
Bryan KillebrewDirector
David HudsonDirector
Jeff FondrenDirector
Jim HaffeyDirector
Mandy BurrellDirector
Maria EdwardsDirector
Katherine RileySecretary
Steven RuthledgeVice Preseid
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,240,541
Investment Income
$138
Other Revenue
$0
Change in Net Assets
$-63,657
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$945,521
Other Expenses$358,815
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$932,245--$932,245
Occupancy$127,370--$127,370
Depreciation Depletion$82,924--$82,924
All Other Expenses$53,848--$53,848
Other Employee Benefits$13,276--$13,276
Other Expenses$12,411--$12,411
Fees for Services Accounting$7,800--$7,800
Interest$3,956--$3,956
Total Functional Expenses$1,304,336$0$0$1,304,336
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
ACTIVITY ACCOUNTS:JR. HIGH CHEERLEAD$7,766
ACTIVITY ACCOUNTS:STUDENT COUNCIL$4,951
ACTIVITY ACCOUNTS:VARSITY CHEERLEADE$3,202
ACTIVITY ACCOUNTS:CLASS OF 2019$2,255
ACTIVITY ACCOUNTS:BEAUTY REVIEW$1,790
ACTIVITY ACCOUNTS:CLASS OF 2021$1,088
ACTIVITY ACCOUNTS:PEE WEE CHEERLEADE$923
ACTIVITY ACCOUNTS:KINDERGARTEN FUND$905
ACTIVITY ACCOUNTS:ART FUND$831
Activity Account - Dance Team$636
ACTIVITY ACCOUNTS:CLASS OF 2020$284
ACTIVITY ACCOUNTS:SCIENCE$280
ACTIVITY ACCOUNTS:SCHOLARSHIPS$238
ACTIVITY ACCOUNTS:ALUMNI FUND$100
ACTIVITY ACCOUNTS:FCA$100
ACTIVITY ACCOUNTS:HONOR SOCIETY$-41
ACTIVITY ACCOUNTS:ELEMENTARY TEACHER$-108
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Backup withholding compliance
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
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 organization is organized with members

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

Members of the organization will elect the governing board.

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

Certain decision by the governing board are subject to approval of the members.

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

Board will review form 990 at their regular monthly meeting prior to filing tax return

Form 990, Page 6, Part VI, Line 19

Documents are available to the public during normal business hours

Filing and Contact Details

Filer

Filer Name
Central Holmes Christian School
EIN
64-0435781
Address
130 ROBERT E LEE DRIVE, LEXINGTON, MS 39095

Signing Officer

Name
Neil Marshall
Title
President
Signed
2019-12-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Neil Marshall
Voting Board Members
9
Independent Board Members
9
Employees
56

Preparer

Firm
Watkins Ward and Stafford Pllc
Address
120 SOUTH NATCHEZ STREET, KOSCIUSKO, MS 39090
Preparer
Kenny Dungan
Phone
6622899007
Raw XML Appendix369 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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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0ACTIVITY ACCOUNTS:JR. HIGH CHEERLEAD
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ACTIVITY ACCOUNTS:STUDENT COUNCIL
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2ACTIVITY ACCOUNTS:VARSITY CHEERLEADE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3ACTIVITY ACCOUNTS:CLASS OF 2019
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4ACTIVITY ACCOUNTS:BEAUTY REVIEW
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5ACTIVITY ACCOUNTS:CLASS OF 2021
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6ACTIVITY ACCOUNTS:PEE WEE CHEERLEADE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc7ACTIVITY ACCOUNTS:KINDERGARTEN FUND
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc9ACTIVITY ACCOUNT - DANCE TEAM
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc10ACTIVITY ACCOUNTS:CLASS OF 2020
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc11ACTIVITY ACCOUNTS:SCIENCE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc12ACTIVITY ACCOUNTS:SCHOLARSHIPS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc13ACTIVITY ACCOUNTS:ALUMNI FUND
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc14ACTIVITY ACCOUNTS:FCA
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc15ACTIVITY ACCOUNTS:HONOR SOCIETY
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc16ACTIVITY ACCOUNTS:ELEMENTARY TEACHER
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0347119
IRS990ScheduleD/TotalLiabilityAmt025200
IRS990ScheduleE/ComplianceWithRevProc7550Ind0true
IRS990ScheduleE/DiscriminateRaceAdmissPlcyInd0false
IRS990ScheduleE/DiscriminateRaceAthltProgInd0false
IRS990ScheduleE/DiscriminateRaceEducPlcyInd0false
IRS990ScheduleE/DiscriminateRaceEmplmFcultyInd0false
IRS990ScheduleE/DiscriminateRaceOtherActyInd0false
IRS990ScheduleE/DiscriminateRaceSchsInd0false
IRS990ScheduleE/DiscriminateRaceStdntsRghtsInd0false
IRS990ScheduleE/DiscriminateRaceUseOfFcltsInd0false
IRS990ScheduleE/GovernmentFinancialAidRcvdInd0false
IRS990ScheduleE/GovernmentFinancialAidRvkdInd0false
IRS990ScheduleE/MaintainCpyOfAllSolInd0true
IRS990ScheduleE/MaintainCpyOfBrochuresEtcInd0true
IRS990ScheduleE/MaintainRacialCompRecsInd0true
IRS990ScheduleE/MaintainScholarshipsRecsInd0true
IRS990ScheduleE/NondiscriminatoryPolicyStmtInd0true
IRS990ScheduleE/PlcyPblczdViaBroadcastMediaInd0true
IRS990ScheduleE/PolicyStmtInBrochuresEtcInd0true
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION IS ORGANIZED WITH MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS OF THE ORGANIZATION WILL ELECT THE GOVERNING BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CERTAIN DECISION BY THE GOVERNING BOARD ARE SUBJECT TO APPROVAL OF THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3BOARD WILL REVIEW FORM 990 AT THEIR REGULAR MONTHLY MEETING PRIOR TO FILING TAX RETURN
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4DOCUMENTS ARE AVAILABLE TO THE PUBLIC DURING NORMAL BUSINESS HOURS
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0true
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0834289
IRS990/TotalAssetsEOYAmt0780280
IRS990/TotalAssetsGrp/BOYAmt0834289
IRS990/TotalAssetsGrp/EOYAmt0780280
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt056
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01304336
IRS990/TotalFunctionalExpensesGrp/TotalAmt01304336
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0231264
IRS990/TotalLiabilitiesEOYAmt0240912
IRS990/TotalLiabilitiesGrp/BOYAmt0231264
IRS990/TotalLiabilitiesGrp/EOYAmt0240912
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0603025
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0539368
IRS990/TotalProgramServiceExpensesAmt01304336
IRS990/TotalProgramServiceRevenueAmt01240541
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01240679
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01240679
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0834289
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0780280
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt0603025
IRS990/UnrestrictedNetAssetsGrp/EOYAmt0539368
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt07210 EBERNEZER ROAD
IRS990/USAddress/CityNm0LEXINGTON
IRS990/USAddress/StateAbbreviationCd0MS
IRS990/USAddress/ZIPCd039095
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02020-09-23 17:36:50Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0NEIL MARSHALL
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-12-17
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CENTRAL HOLMES CHRISTIAN SCHOOL
ReturnHeader/Filer/BusinessNameControlTxt0CENT
ReturnHeader/Filer/EIN0640435781
ReturnHeader/Filer/USAddress/AddressLine1Txt0130 ROBERT E LEE DRIVE
ReturnHeader/Filer/USAddress/CityNm0LEXINGTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MS
ReturnHeader/Filer/USAddress/ZIPCd039095
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0E9249F2532F03883A767BECB96D0454AA733E347
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0EA7A735E5DCB644256DC488400B3F28678E4EA2F
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0173.235.108.2
ReturnHeader/FilingSecurityInformation/IPDt02020-01-24
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CS
ReturnHeader/FilingSecurityInformation/IPTm008:28:27
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0640394922
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WATKINS WARD AND STAFFORD PLLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0120 SOUTH NATCHEZ STREET
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0KOSCIUSKO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd039090
ReturnHeader/PreparerPersonGrp/PhoneNum06622899007
ReturnHeader/PreparerPersonGrp/PreparationDt02020-01-09
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KENNY DUNGAN
ReturnHeader/ReturnTs02020-01-24T08:28:27-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02018-07-01
ReturnHeader/TaxPeriodEndDt02019-06-30
ReturnHeader/TaxYr02018

Document Assets

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$1.11$0.17$0.94$1.34$1.57$0.23
2024Detailed filing. Detailed filing data is available for this year.$1.37$0.19$1.17$1.58$1.62$0.04
2023Detailed filing. Detailed filing data is available for this year.$1.47$0.26$1.21$1.76$1.49$0.27
2022Detailed filing. Detailed filing data is available for this year.$1.21$0.27$0.94$1.34$1.42$0.08
2021Detailed filing. Detailed filing data is available for this year.$1.25$0.22$1.02$2.10$1.41$0.68
2020Detailed filing. Detailed filing data is available for this year.$0.85$0.51$0.34$1.18$1.36$0.18
2019Detailed filing. Detailed filing data is available for this year.$0.78$0.24$0.54$1.24$1.30$0.06
2018Detailed filing. Detailed filing data is available for this year.$0.83$0.23$0.60$1.23$1.16$0.07
2017Detailed filing. Detailed filing data is available for this year.$0.77$0.24$0.53$1.38$1.29$0.09
2016Detailed filing. Detailed filing data is available for this year.$0.57$0.13$0.44$1.38$1.39$0.01
2015Detailed filing. Detailed filing data is available for this year.$0.59$0.13$0.45$1.21$1.15$0.06
2014Detailed filing. Detailed filing data is available for this year.$0.49$0.10$0.39$1.29$1.15$0.14
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.39$0.13$0.26$1.23
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.57$0.12$0.46$1.16
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.69$0.14$0.56$1.09
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.64$0.12$0.52$1.04