Civic Intelligence

Credit Unions Chartered in the State of Utah

990 • Fiscal year 2013 • EIN 87-0254202

Jan 01, 2013 to Dec 31, 2013 • Filed on Apr 25, 2014

730 East 300 South84663

(801) 491-3679

Siviq Scores

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

Liabilities / Assets

17th percentile

0.84x

Higher debt load relative to assets than 17% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Liabilities / Revenue

15th percentile

13.00x

Higher debt load relative to revenue than 15% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Net Margin

96th percentile

27%

Higher net margin than 96% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Top Officer Pay

3rd percentile

$0

Higher top officer pay than 3% of similar nonprofits.

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

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Asset Growth

57th percentile

2.4%

Faster asset growth than 57% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Assets

Up

$66,781,187

Up $1,595,635 (+2.4%) from 2012

Net Assets

Up

$10,404,161

Up $1,168,484 (+13%) from 2012

Liabilities

Up

$56,377,026

Up $427,151 (+0.8%) from 2012

Revenue

$4,338,308

No earlier filing loaded for comparison.

Expenses

Up

$3,169,824

Up $70,546 (+2.3%) from 2012

Net Income

$1,168,484

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.

$150M$100M$50M$0Assets 2010: $59,925,548Liabilities 2010: $52,583,657Net Assets 2010: $7,341,8912010Assets 2011: $61,899,950Liabilities 2011: $54,013,106Net Assets 2011: $7,886,8442011Assets 2012: $65,185,552Liabilities 2012: $55,949,875Net Assets 2012: $9,235,6772012Assets 2013: $66,781,187Liabilities 2013: $56,377,026Net Assets 2013: $10,404,1612013Assets 2014: $68,749,955Liabilities 2014: $57,023,224Net Assets 2014: $11,726,7312014Assets 2015: $75,438,374Liabilities 2015: $62,419,972Net Assets 2015: $13,018,4022015Assets 2016: $80,479,092Liabilities 2016: $66,357,762Net Assets 2016: $14,121,3302016Assets 2017: $86,572,876Liabilities 2017: $71,359,144Net Assets 2017: $15,213,7322017Assets 2018: $93,148,849Liabilities 2018: $76,502,420Net Assets 2018: $16,646,4292018Assets 2019: $102,410,686Liabilities 2019: $84,246,139Net Assets 2019: $18,164,5472019Assets 2020: $119,431,374Liabilities 2020: $99,844,854Net Assets 2020: $19,586,5202020Assets 2021: $131,592,794Liabilities 2021: $110,863,168Net Assets 2021: $20,729,6262021Assets 2022: $136,676,352Liabilities 2022: $114,578,254Net Assets 2022: $22,098,0982022Assets 2023: $139,511,848Liabilities 2023: $118,618,267Net Assets 2023: $20,893,5812023Assets 2024: $139,744,634Liabilities 2024: $117,302,821Net Assets 2024: $22,441,8132024Assets 2025: $144,615,330Liabilities 2025: $121,105,677Net Assets 2025: $23,509,6532025

Highlighted filing

2013

Assets$66,781,187
Liabilities$56,377,026
Net Assets$10,404,161

Operations Trend

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

$10M$5.0M$0Expenses 2010: $4,172,0182010Expenses 2011: $3,763,4172011Expenses 2012: $3,099,2782012Revenue 2013: $4,338,308Expenses 2013: $3,169,824Net Income 2013: $1,168,4842013Revenue 2014: $4,365,796Expenses 2014: $3,043,226Net Income 2014: $1,322,5702014Revenue 2015: $4,567,774Expenses 2015: $3,276,103Net Income 2015: $1,291,6712015Revenue 2016: $4,949,293Expenses 2016: $3,846,365Net Income 2016: $1,102,9282016Revenue 2017: $5,132,673Expenses 2017: $4,040,271Net Income 2017: $1,092,4022017Revenue 2018: $5,546,306Expenses 2018: $4,113,609Net Income 2018: $1,432,6972018Revenue 2019: $6,305,864Expenses 2019: $4,787,746Net Income 2019: $1,518,1182019Revenue 2020: $6,284,294Expenses 2020: $4,862,313Net Income 2020: $1,421,9812020Revenue 2021: $6,582,298Expenses 2021: $5,124,575Net Income 2021: $1,457,7232021Revenue 2022: $6,896,122Expenses 2022: $5,527,650Net Income 2022: $1,368,4722022Revenue 2023: $7,924,663Expenses 2023: $7,143,632Net Income 2023: $781,0312023Revenue 2024: $8,559,755Expenses 2024: $7,854,631Net Income 2024: $705,1242024Revenue 2025: $8,769,370Expenses 2025: $8,420,419Net Income 2025: $348,9512025

Highlighted filing

2013

Revenue$4,338,308
Expenses$3,169,824
Net Income$1,168,484
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Apr 25, 2014
Return Version
2013v3.0
Gross Receipts
$4,338,308
Mission and Program Overview

Mission

Provide low-cost financial services to members including savings and loan products and services. Make a positive difference in the community and help support educators in teaching children.

Provide low-cost financial services to members including savings and loan products and services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$46,646,103$47,596,577▲ $950,474
Investments Program Related$7,723,561$11,775,951▲ $4,052,390
Rtn Earn Endowment Incm Other Fnds$9,235,677$10,404,161▲ $1,168,484
Savings and Temporary Cash Investments$5,936,907$2,440,303▼ $3,496,604
Land, Buildings, and Equipment, Net$2,021,304$1,965,546▼ $55,758
Investments Other Securities$855,767$855,767→ $0
Cash and Non-Interest-Bearing Accounts$709,906$762,845▲ $52,939
Prepaid Expenses and Deferred Charges$36,174$36,623▲ $449
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$65,185,552$66,781,187▲ $1,595,635
Other Assets Total$1,255,830$1,347,575▲ $91,745
Liabilities
Other Liabilities$55,577,712$56,203,318▲ $625,606
Accounts Payable and Accrued Expenses$372,163$173,708▼ $198,455
Total Liabilities$55,949,875$56,377,026▲ $427,151
Net Assets / Fund Balance
Total Net Assets Fund Balance$9,235,677$10,404,161▲ $1,168,484
Total Liabilities and Net Assets / Fund Balance$65,185,552$66,781,187▲ $1,595,635

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$11,775,951--
Buildings$1,113,995$605,730$0
Other Land Buildings$917$547,286$0
Land$688,022-$0
Equipment$162,612$631,412$0
Leasehold Improvements$0$0$0
Compensation and Service Providers

Board Members and Trustees

NameTitle
Gayle WareChairman
Mary Jo EvansSupervisory Committee Chair
David RowleyVice Chairman
Ben CallBoard Member
Rick NielsenBoard Member
Brian SmithSecretary
Jay CornabySupervisory Committee
Rita JamesSupervisory Committee
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,177,270
Investment Income
$151,644
Other Revenue
$9,394
All Other Contributions
$0
Change in Net Assets
$1,168,484
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,695,145
Salaries, Compensation, and Employee Benefits$1,457,123
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,022,277
All Other Expenses---$455,674
Interest---$384,429
Other Employee Benefits---$217,838
Office Expenses---$189,417
Pension Plan Contributions---$146,390
Occupancy---$129,987
Depreciation Depletion---$128,764
Fees for Services Legal---$113,964
Fees for Services Accounting---$74,216
Payroll Taxes---$70,618
Insurance---$54,129
Advertising---$49,350
Other Expenses---$32,400
Benefits to Members---$17,556
Conferences and Meetings---$6,940
Travel---$6,940
Total Functional Expenses$0$0$0$3,169,824
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
Member Deposits$56,203,318
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
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
Yes
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, Section A, Line 6

Yes. Each depositor owns 1 equal share of the credit union. At the end of 2013 the credit union had 10,280 shareholders/members.

Form 990, Part VI, Section A, Line 7A

Each member may cast a vote for the members of the board of directors. Board members are elected to 3 year terms, and elections are held at the end of the term during the credit union's annual meeting.

Form 990, Part VI, Section B, Line 11B

The 990 is reviewed and signed by Executive Management and presented to the board for review.

Form 990, Part VI, Section B, Line 15

The Board of Directors select the CEO, Executive Director, or top management officials. The Board of Directors also performs a review of all employees and their wages compared to industry averages.

Form 990, Part VI, Section C, Line 19

These policies are available to all members upon request.

Filing and Contact Details

Filer

EIN
87-0254202
Phone
8014913679

Signing Officer

Name
Dale Phelps
Title
President
Phone
8014913691
Signed
2014-04-25

Organization Details

Principal Officer
Dale Phelps
Formed
1956
Legal Domicile
Ut
Voting Board Members
5
Independent Board Members
0
Employees
42
Volunteers
8
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

All other expenses

Raw XML AppendixShowing 400 of 412 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/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03136373
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1742644
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2298253
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03136373
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1742644
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2298253
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt07307
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0169711
IRS990/PYOtherExpensesAmt01702960
IRS990/PYOtherRevenueAmt07793
IRS990/PYProgramServiceRevenueAmt04270607
IRS990/PYRevenuesLessExpensesAmt01348833
IRS990/PYSalariesCompEmpBnftPaidAmt01389011
IRS990/PYTotalExpensesAmt03099278
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt04448111
IRS990/ReconcilationRevenueExpnssAmt01168484
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RelatedOrganizationsAmt00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt09394
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt09235677
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt010404161
IRS990/SavingsAndTempCashInvstGrp/BOYAmt05936907
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02440303
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01113995
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0605730
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt01719725
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0162612
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0631412
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0794024
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt011775951
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0FASB 115 Investment
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0F
IRS990ScheduleD/LandGrp/BookValueAmt0688022
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0688022
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0917
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0547286
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt0548203
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt056203318
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Deposits
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01965546
IRS990ScheduleD/TotalBookValueProgramRltdAmt011775951
IRS990ScheduleD/TotalLiabilityAmt056203318
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Yes. Each depositor owns 1 equal share of the credit union. At the end of 2013 the credit union had 10,280 shareholders/members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Each member may cast a vote for the members of the board of directors. Board members are elected to 3 year terms, and elections are held at the end of the term during the credit union's annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The 990 is reviewed and signed by Executive Management and presented to the board for review.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The Board of Directors select the CEO, Executive Director, or top management officials. The Board of Directors also performs a review of all employees and their wages compared to industry averages.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4These policies are available to all members upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5All other expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part IX, Line 24e
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0UT
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt065185552
IRS990/TotalAssetsEOYAmt066781187
IRS990/TotalAssetsGrp/BOYAmt065185552
IRS990/TotalAssetsGrp/EOYAmt066781187
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt042
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt03169824
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt055949875
IRS990/TotalLiabilitiesEOYAmt056377026
IRS990/TotalLiabilitiesGrp/BOYAmt055949875
IRS990/TotalLiabilitiesGrp/EOYAmt056377026
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt09235677
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt010404161
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt04177270
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt04338308
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt04338308
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt065185552
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt066781187
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt06940
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10730 E 300 S
IRS990/USAddress/City0Springville
IRS990/USAddress/State0UT
IRS990/USAddress/ZIPCode084663
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0WWW.NEBOCREDITUNION.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Dale Phelps
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum08014913691
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-04-25
ReturnHeader/Filer/BusinessName/BusinessNameLine10CREDIT UNIONS CHARTERED IN THE STATE OF UTAH

Document Assets

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$145$121$23.5$8.77$8.42$0.35
2024Detailed filing. Detailed filing data is available for this year.$140$117$22.4$8.56$7.85$0.71
2023Detailed filing. Detailed filing data is available for this year.$140$119$20.9$7.92$7.14$0.78
2022Detailed filing. Detailed filing data is available for this year.$137$115$22.1$6.90$5.53$1.37
2021Detailed filing. Detailed filing data is available for this year.$132$111$20.7$6.58$5.12$1.46
2020Detailed filing. Detailed filing data is available for this year.$119$99.8$19.6$6.28$4.86$1.42
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$102$84.2$18.2$6.31$4.79$1.52
2018Detailed filing. Detailed filing data is available for this year.$93.1$76.5$16.6$5.55$4.11$1.43
2017Detailed filing. Detailed filing data is available for this year.$86.6$71.4$15.2$5.13$4.04$1.09
2016Detailed filing. Detailed filing data is available for this year.$80.5$66.4$14.1$4.95$3.85$1.10
2015Detailed filing. Detailed filing data is available for this year.$75.4$62.4$13.0$4.57$3.28$1.29
2014Detailed filing. Detailed filing data is available for this year.$68.7$57.0$11.7$4.37$3.04$1.32
2013Detailed filing. Detailed filing data is available for this year.$66.8$56.4$10.4$4.34$3.17$1.17
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$65.2$55.9$9.24$3.10
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$61.9$54.0$7.89$3.76
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$59.9$52.6$7.34$4.17