Civic Intelligence

Siskiyou Co Economic Development Council

990 • Fiscal year 2017 • EIN 68-0062634

Jul 01, 2016 to Jun 30, 2017 • Filed on May 08, 2018

1512 South Oregon StreetYreka, CA 96097

(530) 842-1638

Siviq Scores

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

Liabilities / Assets

62nd percentile

0.16x

Higher debt load relative to assets than 62% of similar nonprofits.

2017 filings • 501(c)4 • $1M-$5M nonprofits • Source year 2017

Liabilities / Revenue

57th percentile

0.16x

Higher debt load relative to revenue than 57% of similar nonprofits.

2017 filings • 501(c)4 • $1M-$5M nonprofits • Source year 2017

Net Margin

79th percentile

29%

Higher net margin than 79% of similar nonprofits.

2017 filings • 501(c)4 • $1M-$5M nonprofits • Source year 2017

Top Officer Pay

84th percentile

$114,777

Higher top officer pay than 84% of similar nonprofits.

Top officer pay equals 8.6% of source-year revenue.

2017 filings • 501(c)4 • $1M-$5M nonprofits • Source year 2017

Asset Growth

94th percentile

54%

Faster asset growth than 94% of similar nonprofits.

2017 filings • 501(c)4 • $1M-$5M nonprofits • Annualized from 2016 to 2017

Revenue Growth

85th percentile

36%

Faster revenue growth than 85% of similar nonprofits.

2017 filings • 501(c)4 • $1M-$5M nonprofits • Annualized from 2016 to 2017

Assets

Up

$1,386,695

Up $485,152 (+54%) from 2016

Net Assets

Up

$1,168,259

Up $384,030 (+49%) from 2016

Liabilities

Up

$218,436

Up $101,122 (+86%) from 2016

Revenue

Up

$1,328,108

Up $350,912 (+36%) from 2016

Expenses

Up

$944,078

Up $320,056 (+51%) from 2016

Net Income

Up

$384,030

Up $30,856 (+8.7%) from 2016

Historical Trend

Balance Sheet Trend

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

$4.0M$3.0M$2.0M$1.0M$0Assets 2010: $1,028,013Liabilities 2010: $154,070Net Assets 2010: $873,9432010Assets 2011: $841,021Liabilities 2011: $79,344Net Assets 2011: $761,6772011Assets 2012: $843,959Liabilities 2012: $134,641Net Assets 2012: $709,3182012Assets 2013: $639,978Liabilities 2013: $49,209Net Assets 2013: $590,7692013Assets 2014: $652,017Liabilities 2014: $145,319Net Assets 2014: $506,6982014Assets 2015: $539,599Liabilities 2015: $58,779Net Assets 2015: $480,8202015Assets 2016: $901,543Liabilities 2016: $117,314Net Assets 2016: $784,2292016Assets 2017: $1,386,695Liabilities 2017: $218,436Net Assets 2017: $1,168,2592017Assets 2018: $1,248,144Liabilities 2018: $155,205Net Assets 2018: $1,092,9392018Assets 2019: $1,171,193Liabilities 2019: $222,242Net Assets 2019: $948,9512019Assets 2020: $1,366,173Liabilities 2020: $342,276Net Assets 2020: $1,023,8972020Assets 2021: $2,027,610Liabilities 2021: $401,791Net Assets 2021: $1,625,8192021Assets 2022: $2,012,823Liabilities 2022: $419,235Net Assets 2022: $1,593,5882022Assets 2023: $1,993,430Liabilities 2023: $607,848Net Assets 2023: $1,385,5822023Assets 2024: $3,493,505Liabilities 2024: $1,114,737Net Assets 2024: $2,378,7682024

Highlighted filing

2017

Assets$1,386,695
Liabilities$218,436
Net Assets$1,168,259

Operations Trend

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $778,4392010Expenses 2011: $808,8092011Expenses 2012: $937,2542012Expenses 2013: $838,4582013Revenue 2014: $913,266Expenses 2014: $997,337Net Income 2014: -$84,0712014Revenue 2015: $584,302Expenses 2015: $610,180Net Income 2015: -$25,8782015Revenue 2016: $977,196Expenses 2016: $624,022Net Income 2016: $353,1742016Revenue 2017: $1,328,108Expenses 2017: $944,078Net Income 2017: $384,0302017Revenue 2018: $1,161,704Expenses 2018: $1,233,256Net Income 2018: -$71,5522018Revenue 2019: $1,189,987Expenses 2019: $1,335,211Net Income 2019: -$145,2242019Revenue 2020: $1,230,213Expenses 2020: $1,155,267Net Income 2020: $74,9462020Revenue 2021: $1,612,983Expenses 2021: $1,011,041Net Income 2021: $601,9422021Revenue 2022: $1,611,350Expenses 2022: $1,643,581Net Income 2022: -$32,2312022Revenue 2023: $2,426,196Expenses 2023: $2,561,826Net Income 2023: -$135,6302023Revenue 2024: $4,373,413Expenses 2024: $3,380,227Net Income 2024: $993,1862024

Highlighted filing

2017

Revenue$1,328,108
Expenses$944,078
Net Income$384,030
Jump To
Filing Snapshot
Filing Period
Jul 1, 2016 to Jun 30, 2017
Signed
May 8, 2018
Return Version
2016v3.0
Gross Receipts
$1,328,108
Mission and Program Overview

Mission

Economic development within siskiyou county california.

To facilitate business growth, retention, and attraction to promote community prosperity in siskiyou county.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$350,859$666,694▲ $315,835
Accounts Receivable$182,757$368,791▲ $186,034
Other Notes and Loans Receivable, Net$265,393$249,914▼ $15,479
Savings and Temporary Cash Investments$98,587$98,655▲ $68
Land, Buildings, and Equipment, Net$3,120$2,104▼ $1,016
Prepaid Expenses and Deferred Charges$827$537▼ $290
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$901,543$1,386,695▲ $485,152
Other Assets Total-$0-
Liabilities
Accounts Payable and Accrued Expenses$117,314$218,436▲ $101,122
Total Liabilities$117,314$218,436▲ $101,122
Net Assets / Fund Balance
Unrestricted Net Assets$784,229$1,168,259▲ $384,030
Total Net Assets Fund Balance$784,229$1,168,259▲ $384,030
Total Liabilities and Net Assets / Fund Balance$901,543$1,386,695▲ $485,152

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$2,104$2,976$5,080
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Tonya DowseExecutive DirecFT$97,277$17,500$114,777

Board Members and Trustees

NameTitle
Brian MeekPast President
Brian CowleyPresident
Mark KleverVice President
Andy AguileraBoard Member
Josephine TomsBoard Member
Kevin CharterBoard Member
Mark StensaasBoard Member
Scotty ThomasonBoard Member
Terry BarberBoard Member
Todd AndresBoard Member
Eric LevesqueSecretary
Dan TaylorTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
AugustineideasConsultants532 GIBBONS DRIVE STE 250, Roseville, CA 95678$300,772
Revenue and Support

Revenue Composition

Contributions and Grants
$1,318,197
Program Service Revenue
$0
Investment Income
$9,911
Other Revenue
$0
All Other Contributions
$67,139
Change in Net Assets
$384,030
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$599,279
Salaries, Compensation, and Employee Benefits$344,799
Total Fundraising Expense$21,109
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other$481,624--$481,624
Other Salaries and Wages$184,570--$184,570
Current Officers, Directors, Trustees, and Key Employees$53,281$19,973$16,794$90,048
Fees for Services Accounting$31,860--$31,860
Pension Plan Contributions$25,045$3,561$2,994$31,600
Travel$25,723--$25,723
Payroll Taxes$21,305$1,572$1,321$24,198
Other Employee Benefits$14,383--$14,383
Occupancy$12,413--$12,413
Office Expenses$12,168--$12,168
Insurance$4,836--$4,836
Conferences and Meetings$4,295--$4,295
Advertising$3,565--$3,565
Other Expenses$2,992--$2,992
All Other Expenses$2,006--$2,006
Depreciation Depletion$1,016--$1,016
Total Functional Expenses$897,863$25,106$21,109$944,078
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 11B: Form 990 Review Process

The board reviews the full form 990 after it has been filed.

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

Potential conflicts of interest are discussed at board meetings.

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

Documents, policies and financial statements are available at the organizations office.

Filing and Contact Details

Filer

Filer Name
Siskiyou Co Economic Development Council
EIN
68-0062634
Phone
5308421638
Address
1512 SOUTH OREGON STREET, YREKA, CA 96097

Signing Officer

Name
Tonya Dowse
Title
Executive Director
Signed
2018-05-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Tonya Dowse
Formed
1985
Legal Domicile
CA
Voting Board Members
12
Independent Board Members
12
Employees
10

Preparer

Firm
Aiello Goodrich & Teuscher Inc
Address
205 N MOUNT SHASTA BLVD STE 300, MOUNT SHASTA, CA 96067
Preparer
Lynn E Teuscher CPA
Phone
5309263881
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IRS990/InterestGrp/TotalAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt09911
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt09911
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/InvestTaxExemptBondsInd0false
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt02976
IRS990/LandBldgEquipBasisNetGrp/BOYAmt03120
IRS990/LandBldgEquipBasisNetGrp/EOYAmt02104
IRS990/LandBldgEquipCostOrOtherBssAmt05080
IRS990/LegalDomicileStateCd0CA
IRS990/LicensedMoreThanOneStateInd0false
IRS990/LoanOutstandingInd0false
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0TO FACILITATE BUSINESS GROWTH, RETENTION, AND ATTRACTION TO PROMOTE COMMUNITY PROSPERITY IN SISKIYOU COUNTY.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt0784229
IRS990/NetAssetsOrFundBalancesEOYAmt01168259
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ProgramServicesAmt012413
IRS990/OccupancyGrp/TotalAmt012413
IRS990/OfficeExpensesGrp/ProgramServicesAmt012168
IRS990/OfficeExpensesGrp/TotalAmt012168
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/EOYAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt014383
IRS990/OtherEmployeeBenefitsGrp/TotalAmt014383
IRS990/OtherExpensesGrp/Desc0TELEPHONE
IRS990/OtherExpensesGrp/Desc1DUES AND SUBSCRIPTIONS
IRS990/OtherExpensesGrp/Desc2WORKERS COMPENSATION
IRS990/OtherExpensesGrp/Desc3COMPUTER/INTERNET
IRS990/OtherExpensesGrp/ProgramServicesAmt09010
IRS990/OtherExpensesGrp/ProgramServicesAmt14631
IRS990/OtherExpensesGrp/ProgramServicesAmt23140
IRS990/OtherExpensesGrp/ProgramServicesAmt32992
IRS990/OtherExpensesGrp/TotalAmt09010
IRS990/OtherExpensesGrp/TotalAmt14631
IRS990/OtherExpensesGrp/TotalAmt23140
IRS990/OtherExpensesGrp/TotalAmt32992
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0184570
IRS990/OtherSalariesAndWagesGrp/TotalAmt0184570
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0265393
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0249914
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/FundraisingAmt01321
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt01572
IRS990/PayrollTaxesGrp/ProgramServicesAmt021305
IRS990/PayrollTaxesGrp/TotalAmt024198
IRS990/PensionPlanContributionsGrp/FundraisingAmt02994
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt03561
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt025045
IRS990/PensionPlanContributionsGrp/TotalAmt031600
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0827
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0537
IRS990/PrincipalOfficerNm0TONYA DOWSE
IRS990/ProfessionalFundraisingInd0false
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0915854
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt058376
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0327287
IRS990/PYOtherRevenueAmt02966
IRS990/PYRevenuesLessExpensesAmt0353174
IRS990/PYSalariesCompEmpBnftPaidAmt0296735
IRS990/PYTotalExpensesAmt0624022
IRS990/PYTotalRevenueAmt0977196
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0384030
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt098587
IRS990/SavingsAndTempCashInvstGrp/EOYAmt098655
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/BookValueAmt02104
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02976
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt05080
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02104
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE BOARD REVIEWS THE FULL FORM 990 AFTER IT HAS BEEN FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1POTENTIAL CONFLICTS OF INTEREST ARE DISCUSSED AT BOARD MEETINGS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DOCUMENTS, POLICIES AND FINANCIAL STATEMENTS ARE AVAILABLE AT THE ORGANIZATIONS OFFICE.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0CA
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0901543
IRS990/TotalAssetsEOYAmt01386695
IRS990/TotalAssetsGrp/BOYAmt0901543
IRS990/TotalAssetsGrp/EOYAmt01386695
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt01318197
IRS990/TotalEmployeeCnt010
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt021109
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt025106
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0897863
IRS990/TotalFunctionalExpensesGrp/TotalAmt0944078
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0117314
IRS990/TotalLiabilitiesEOYAmt0218436
IRS990/TotalLiabilitiesGrp/BOYAmt0117314
IRS990/TotalLiabilitiesGrp/EOYAmt0218436
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0784229
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01168259
IRS990/TotalOtherCompensationAmt017500
IRS990/TotalProgramServiceExpensesAmt0897863
IRS990/TotalProgramServiceRevenueAmt00
IRS990/TotalReportableCompFromOrgAmt097277
IRS990/TotalRevenueGrp/ExclusionAmt09911
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01328108
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0901543
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01386695

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.49$1.11$2.38$4.37$3.38$0.99
2023Summary only. Only limited summary data is available for this year.$1.99$0.61$1.39$2.43$2.56$0.14
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.01$0.42$1.59$1.61$1.64$0.03
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.03$0.40$1.63$1.61$1.01$0.60
2020Summary only. Only limited summary data is available for this year.$1.37$0.34$1.02$1.23$1.16$0.07
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.17$0.22$0.95$1.19$1.34$0.15
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.25$0.16$1.09$1.16$1.23$0.07
2017Detailed filing. Detailed filing data is available for this year.$1.39$0.22$1.17$1.33$0.94$0.38
2016Detailed filing. Detailed filing data is available for this year.$0.90$0.12$0.78$0.98$0.62$0.35
2015Detailed filing. Detailed filing data is available for this year.$0.54$0.06$0.48$0.58$0.61$0.03
2014Detailed filing. Detailed filing data is available for this year.$0.65$0.15$0.51$0.91$1.00$0.08
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.64$0.05$0.59$0.84
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.84$0.13$0.71$0.94
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.84$0.08$0.76$0.81
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.03$0.15$0.87$0.78