Civic Intelligence

Nor-Cal Fdc

990 • Fiscal year 2016 • EIN 94-2398760

Jul 01, 2015 to Jun 30, 2016 • Filed on Apr 14, 2017

300 Frank H Ogawa PlazaOakland, CA 94612

(510) 452-1171

Siviq Scores

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

Liabilities / Assets

73rd percentile

0.37x

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

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Liabilities / Revenue

73rd percentile

0.38x

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

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Net Margin

91st percentile

47%

Higher net margin than 91% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Top Officer Pay

68th percentile

$98,000

Higher top officer pay than 68% of similar nonprofits.

Top officer pay equals 5.9% of source-year revenue.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Asset Growth

95th percentile

85%

Faster asset growth than 95% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Revenue Growth

94th percentile

96%

Faster revenue growth than 94% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Assets

Up

$1,707,749

Up $782,957 (+85%) from 2015

Net Assets

Up

$1,074,398

Up $777,284 (+262%) from 2015

Liabilities

Up

$633,351

Up $5,673 (+0.9%) from 2015

Revenue

Up

$1,674,655

Up $821,514 (+96%) from 2015

Expenses

Up

$892,440

Up $322,121 (+56%) from 2015

Net Income

Up

$782,215

Up $499,393 (+177%) from 2015

Historical Trend

Balance Sheet Trend

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

$2.0M$1.5M$1.0M$500K$0-$500KAssets 2011: $1,133,202Liabilities 2011: $1,130,860Net Assets 2011: $2,3422011Assets 2012: $1,098,594Liabilities 2012: $1,124,506Net Assets 2012: -$25,9122012Assets 2013: $1,169,387Liabilities 2013: $1,127,736Net Assets 2013: $41,6512013Assets 2014: $965,644Liabilities 2014: $911,323Net Assets 2014: $54,3212014Assets 2015: $924,792Liabilities 2015: $627,678Net Assets 2015: $297,1142015Assets 2016: $1,707,749Liabilities 2016: $633,351Net Assets 2016: $1,074,3982016Assets 2017: $943,302Liabilities 2017: $631,767Net Assets 2017: $311,5352017Assets 2018: $1,022,533Liabilities 2018: $669,443Net Assets 2018: $353,0902018Assets 2019: $1,079,101Liabilities 2019: $652,833Net Assets 2019: $426,2682019Assets 2020: $548,161Liabilities 2020: $309,494Net Assets 2020: $238,6672020Assets 2021: $662,140Liabilities 2021: $556,587Net Assets 2021: $105,5532021Assets 2022: $1,198,023Liabilities 2022: $344,924Net Assets 2022: $853,0992022Assets 2023: $1,107,075Liabilities 2023: $307,304Net Assets 2023: $799,7712023Assets 2024: $593,203Liabilities 2024: $193,226Net Assets 2024: $399,9772024Assets 2025: $1,832,041Liabilities 2025: $1,507,335Net Assets 2025: $324,7062025

Highlighted filing

2016

Assets$1,707,749
Liabilities$633,351
Net Assets$1,074,398

Operations Trend

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

$3.0M$2.0M$1.0M$0-$1.0MRevenue 2011: $319,896Expenses 2011: $466,654Net Income 2011: -$146,7582011Revenue 2012: $426,780Expenses 2012: $455,034Net Income 2012: -$28,2542012Revenue 2013: $547,652Expenses 2013: $480,089Net Income 2013: $67,5632013Revenue 2014: $372,580Expenses 2014: $389,754Net Income 2014: -$17,1742014Revenue 2015: $853,141Expenses 2015: $570,319Net Income 2015: $282,8222015Revenue 2016: $1,674,655Expenses 2016: $892,440Net Income 2016: $782,2152016Revenue 2017: $803,150Expenses 2017: $955,038Net Income 2017: -$151,8882017Revenue 2018: $1,175,657Expenses 2018: $1,134,102Net Income 2018: $41,5552018Revenue 2019: $1,854,467Expenses 2019: $1,780,773Net Income 2019: $73,6942019Revenue 2020: $1,773,597Expenses 2020: $1,836,681Net Income 2020: -$63,0842020Revenue 2021: $1,507,517Expenses 2021: $1,445,615Net Income 2021: $61,9022021Revenue 2022: $2,499,517Expenses 2022: $1,751,971Net Income 2022: $747,5462022Revenue 2023: $2,171,288Expenses 2023: $2,224,820Net Income 2023: -$53,5322023Revenue 2024: $2,044,125Expenses 2024: $2,444,814Net Income 2024: -$400,6892024Revenue 2025: $2,362,998Expenses 2025: $2,415,376Net Income 2025: -$52,3782025

Highlighted filing

2016

Revenue$1,674,655
Expenses$892,440
Net Income$782,215
Jump To
Filing Snapshot
Filing Period
Jul 1, 2015 to Jun 30, 2016
Signed
Apr 14, 2017
Return Version
2015v3.0
Gross Receipts
$1,674,655
Mission and Program Overview

Mission

Nor-cal helped small businesses gain access to capital by providing guarantees to lenders throughout the nine counties of the san francisco bay area and around the state of california.

SEE NOTE

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$806,702$989,154▲ $182,452
Cash and Non-Interest-Bearing Accounts$86,913$471,871▲ $384,958
Accounts Receivable$26,010$242,481▲ $216,471
Land, Buildings, and Equipment, Net$3,267$2,343▼ $924
Prepaid Expenses and Deferred Charges$1,900$1,900→ $0
Total Assets$924,792$1,707,749▲ $782,957
Liabilities
Unsecured Notes Loans Payable$458,733$458,426▼ $307
Accounts Payable and Accrued Expenses$168,945$174,925▲ $5,980
Total Liabilities$627,678$633,351▲ $5,673
Net Assets / Fund Balance
Unrestricted Net Assets$297,114$1,074,398▲ $777,284
Total Net Assets Fund Balance$297,114$1,074,398▲ $777,284
Total Liabilities and Net Assets / Fund Balance$924,792$1,707,749▲ $782,957

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$2,343$85,564$87,907
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Arthur WashingtonCEOFT$98,000$98,000
Elza MinorPresident/acting SecretaryPT$11,000$11,000

Board Members and Trustees

NameTitle
R Stven WilkensonChairman
William Bill JoinerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$703,035
Program Service Revenue
$945,280
Investment Income
$5,690
Other Revenue
$20,650
All Other Contributions
$703,035
Change in Net Assets
$782,215
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$703,431
Salaries, Compensation, and Employee Benefits$189,009
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
All Other Expenses$145,449$5,969$0$151,418
Current Officers, Directors, Trustees, and Key Employees$89,216$19,584$0$108,800
Other Salaries and Wages$63,733$5,187$0$68,920
Occupancy$51,683$0$0$51,683
Fees for Services Accounting$0$35,460$0$35,460
Office Expenses$0$23,836$0$23,836
Other Expenses$17,916$0$0$17,916
Payroll Taxes$5,274$1,676$0$6,950
Conferences and Meetings$5,112$625$0$5,737
Other Employee Benefits$4,339$0$0$4,339
Insurance$1,960$1,964$0$3,924
Travel$675$0$0$675
Total Functional Expenses$796,464$95,976$0$892,440
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
Filing and Contact Details

Filer

Filer Name
Nor-cal Fdc
EIN
94-2398760
Phone
5104521171
Address
300 FRANK H OGAWA PLAZA, OAKLAND, CA 94612

Signing Officer

Name
Arthur Washington
Title
CEO
Phone
5104521171
Signed
2017-04-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Arthur Washington
Formed
1978
Legal Domicile
CA
Voting Board Members
4
Independent Board Members
4
Employees
5
Volunteers
4

Preparer

Firm
Christopher Akhidenor CPA
Address
303 HEGENBERGER RD SUITE 308, OAKLAND, CA 94621
Preparer
Christopher Akhidenor
Phone
5104520262
Supplemental Narrative

Additional Explanations

Pt VI, Line 11B

The ceo distributes the form 990 to the board members to review before filing.

Pt VI, Line 12C

The organization regularly and consistently monit or andenforce the conflict of interest policy.

Pt VI, Line 15B

The compensations of the officers and top management are approved by the board of directors.

Pt VI, Line 15A

The compensations of the officers and top managemen tare approved by the board of directors.

Form 990, Part IX, Line 24E

Dues and subscriptions 7540. 5340. 2200. 0.

Form 990, Part IX, Line 24E

Telephone 14926. 14253. 673. 0.

Form 990, Part IX, Line 24E

Seminar and education 16090. 16090. 0. 0.

Form 990, Part IX, Line 24E

Advertising 500. 0. 500. 0.

Form 990, Part IX, Line 24E

Bank service charge 804. 0. 804. 0.

Form 990, Part IX, Line 24E

Loan servicing 56684. 56684. 0. 0.

Form 990, Part IX, Line 24E

Meals & entertainment 922. 0. 922. 0.

Form 990, Part IX, Line 24E

Commission 9971. 9971. 0. 0.

Form 990, Part IX, Line 24E

Repairs & maintenance 2814. 2752. 62. 0.

Form 990, Part IX, Line 24E

Prefessional fees 40359. 40359. 0. 0.

Form 990, Part IX, Line 24E

Licenses & fees 808. 0. 808. 0.

Raw XML Appendix386 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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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/BookValueAmt02343
IRS990ScheduleD/EquipmentGrp/DepreciationAmt085564
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt087907
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02343
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CEO DISTRIBUTES THE FORM 990 TO THE BOARD MEMBERS TO REVIEW BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION REGULARLY AND CONSISTENTLY MONIT OR ANDENFORCE THE CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE COMPENSATIONS OF THE OFFICERS AND TOP MANAGEMENT ARE APPROVED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE COMPENSATIONS OF THE OFFICERS AND TOP MANAGEMEN TARE APPROVED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4DUES AND SUBSCRIPTIONS 7540. 5340. 2200. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5TELEPHONE 14926. 14253. 673. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6SEMINAR AND EDUCATION 16090. 16090. 0. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7ADVERTISING 500. 0. 500. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8BANK SERVICE CHARGE 804. 0. 804. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9LOAN SERVICING 56684. 56684. 0. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10MEALS & ENTERTAINMENT 922. 0. 922. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11COMMISSION 9971. 9971. 0. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12REPAIRS & MAINTENANCE 2814. 2752. 62. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13PREFESSIONAL FEES 40359. 40359. 0. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14LICENSES & FEES 808. 0. 808. 0.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc13Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc14Form 990, Part IX, Line 24e
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0924792
IRS990/TotalAssetsEOYAmt01707749
IRS990/TotalAssetsGrp/BOYAmt0924792
IRS990/TotalAssetsGrp/EOYAmt01707749
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0703035
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt095976
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0796464
IRS990/TotalFunctionalExpensesGrp/TotalAmt0892440
IRS990/TotalGrossUBIAmt020650
IRS990/TotalLiabilitiesBOYAmt0627678
IRS990/TotalLiabilitiesEOYAmt0633351
IRS990/TotalLiabilitiesGrp/BOYAmt0627678
IRS990/TotalLiabilitiesGrp/EOYAmt0633351
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0297114
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01074398
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt0945280
IRS990/TotalProgramServiceExpensesAmt0796464
IRS990/TotalProgramServiceRevenueAmt0945280
IRS990/TotalReportableCompFromOrgAmt0109000
IRS990/TotalRevenueGrp/ExclusionAmt05690
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0945280
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01674655
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt020650
IRS990/TotalVolunteersCnt04
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0924792
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01707749
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/FundraisingAmt00
IRS990/TravelGrp/ManagementAndGeneralAmt00
IRS990/TravelGrp/ProgramServicesAmt0675
IRS990/TravelGrp/TotalAmt0675
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt0297114
IRS990/UnrestrictedNetAssetsGrp/EOYAmt01074398
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt0458733
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt0458426
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0300 FRANK H OGAWA PLZ STE 175
IRS990/USAddress/CityNm0OAKLAND
IRS990/USAddress/StateAbbreviationCd0CA
IRS990/USAddress/ZIPCd094612
IRS990/VotingMembersGoverningBodyCnt04
IRS990/VotingMembersIndependentCnt04
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0ARTHUR WASHINGTON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05104521171
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-04-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0NOR-CAL FDC
ReturnHeader/Filer/BusinessNameControlTxt0NOR-
ReturnHeader/Filer/EIN0942398760
ReturnHeader/Filer/PhoneNum05104521171
ReturnHeader/Filer/USAddress/AddressLine1Txt0300 FRANK H OGAWA PLAZA
ReturnHeader/Filer/USAddress/CityNm0OAKLAND
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CA
ReturnHeader/Filer/USAddress/ZIPCd094612
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CHRISTOPHER AKHIDENOR CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0303 HEGENBERGER RD SUITE 308
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0OAKLAND
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd094621
ReturnHeader/PreparerPersonGrp/PhoneNum05104520262
ReturnHeader/PreparerPersonGrp/PreparationDt02017-05-10
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0CHRISTOPHER AKHIDENOR
ReturnHeader/ReturnTs02017-05-10T10:28:46-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-07-01
ReturnHeader/TaxPeriodEndDt02016-06-30
ReturnHeader/TaxYr02015

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$1.83$1.51$0.32$2.36$2.42$0.05
2024Detailed filing. Detailed filing data is available for this year.$0.59$0.19$0.40$2.04$2.44$0.40
2023Detailed filing. Detailed filing data is available for this year.$1.11$0.31$0.80$2.17$2.22$0.05
2022Detailed filing. Detailed filing data is available for this year.$1.20$0.34$0.85$2.50$1.75$0.75
2021Detailed filing. Detailed filing data is available for this year.$0.66$0.56$0.11$1.51$1.45$0.06
2020Detailed filing. Detailed filing data is available for this year.$0.55$0.31$0.24$1.77$1.84$0.06
2019Detailed filing. Detailed filing data is available for this year.$1.08$0.65$0.43$1.85$1.78$0.07
2018Detailed filing. Detailed filing data is available for this year.$1.02$0.67$0.35$1.18$1.13$0.04
2017Detailed filing. Detailed filing data is available for this year.$0.94$0.63$0.31$0.80$0.96$0.15
2016Detailed filing. Detailed filing data is available for this year.$1.71$0.63$1.07$1.67$0.89$0.78
2015Summary only. Only limited summary data is available for this year.$0.92$0.63$0.30$0.85$0.57$0.28
2014Summary only. Only limited summary data is available for this year.$0.97$0.91$0.05$0.37$0.39$0.02
2013Summary only. Only limited summary data is available for this year.$1.17$1.13$0.04$0.55$0.48$0.07
2012Summary only. Only limited summary data is available for this year.$1.10$1.12$0.03$0.43$0.46$0.03
2011Summary only. Only limited summary data is available for this year.$1.13$1.13$0.00$0.32$0.47$0.15