##
##
##
||`Vincent Clifford`|
|---|---|
||`Stephen Colgan`
`Resigned 10/11/2021`|
||`Bruce Kinloch`
`Resigned 06/08/2021`|
||`Sue McAndrew`
`Chair`|
||`Clare Pinnington`|
||`Robert Purdie`
`Resigned 24/08/2021`|
||`Jack Ranson`|
||`Neil Withnell`
`Appointed 26/01/2022`|
|**`Charity President`**|`Bernadette Conlon`|
|**`Senior Management Team`**|`Michelle Dennett`
`Charity Director`|
||`Loretta Hewart`
`Office Manager`|
||`Justine Wallace`
`Business & Finance Manager`|
||`June Wilcock`
`Service Delivery Manager`|
|**`Bankers`**|`Unity Trust Bank`
`Virgin Money`|
||`Nine Brindley Place Jubilee house`|
||`Birmingham`
`Gosforth`|
||`BI 2HB`
`Newcastle upon Tyne`|
||`NE3 4PL`|
|**`Independent Examiner`**|`Anita King FCCA`|
||`Community Accountancy Service Limited`|
||`The Grange`|
||`Pilgrim Drive`|
||`Beswick`|
||`Manchester`|
##
##
##
##
##
##
|**•**|**Visual Arts**|**•**
**Photography**|•
**Horticulture**|
|---|---|---|---|
|**•**|**Woodwork**|•
Ceramics|•
**Crafts**|
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
|||||**Total Funds**|**Total Funds**|
|---|---|---|---|---|---|
|||||**Year Ended**||
|||**Unrestricted**|**Restricted**|**31 March**|**Year Ended 31**|
|||**Funds**|**Funds**|**2022**|**March 2021**|
||**Further Details**|£|£|£|£|
|**Income from:**||||||
|Donations and legacies|(3)|15,648|-|15,648|16,199|
|Charitable Activities|(4)|517,700|372,621|890,321|901,677|
|Other Trading Activities|(5)|9,551|-|9,551|3,770|
|Investment Income|(6)|148||148|468|
|Other Income|||-||1,700|
|Total||543,047|372,621|915,668|923,814|
|**Expenditure on:**||||||
|Charitable Activities|(7)|447,550|383,794|831,344|774,957|
|**Total**||447,550|383,794|831,344|774,957|
|**Net income/(expenditure)**||95,497|(11,173)|84,324|148,857|
|Transfers between funds|(17)|||||
|**Other recognised gains/(losses):**||||||
|Other gains/(losses)||||||
|**Net movement in funds**||95,497|(11,173)|84,324|148,857|
|**Reconciliation of funds**||||||
|Total funds brought forward|(17)|415,946|99,961|515,907|367,050|
|**Total funds carried forward**|(17)|511,443|88,788|600,231|515,907|
##
##
|||**2022**|**2021**|
|---|---|---|---|
||Notes|£|£|
|**Fixed**assets:||||
|Tangible assets|(12)|253,824|260,504|
|Total fixed assets||253,824|260,504|
|Current**assets:**||||
|Debtors|(13)|22,171|17,785|
|Cash at Bank & in Hand||661,176|535,154|
|Total current assets||683,347|552,939|
|Liabilities:||||
|Creditors: Amounts falling due within one year|(14)|127,563|75,380|
|Net current assets or liabilities||555,784|477,559|
|Total assets less current liabilities||809,608|738,063|
|Creditors: Amounts falling due after more than one year||(209,377)|(222,156)|
|**Total net assets or liabilities**||600,231|515,907|
|The**funds of the**charity:||||
|Restricted income funds|(17)|88,788|99,961|
|Unrestricted income funds|(17)|511,443|415,946|
|**Total charity funds**||600,231|515,907|
##
##
||**Year Ended**|**Year Ended**|
|---|---|---|
||**31 March**|**31 March**|
||**2022**|**2021**|
||£|£|
|Net movement in funds|84,324|148,857|
|Add back depreciation|6,680|6,680|
|Deduct investment income|(148)|(468)|
|Decrease/(increase) in debtors|(4,386)|12,831|
|Increase/(decrease) in creditors|52,183|(19,630)|
|**Net cash used in operating activities**|138,653|148,270|
|**Cash flows from**investment activities:|||
|Interest|148|468|
|**Cash flows from financing activities:**|||
|Repayment of borrowing|(12,779)|(12,279)|
|**Net cash provided by investing activities**|(12,631)|(11,811)|
|Increase/(decrease) in cash and cash equivalents during the year|126,022|136,459|
|Cash and cash equivalents brought forward|535,154|398,695|
|**Cash and cash equivalents carried forward**|661,176|**535,154**|
##
##
##
##
##
##
##
##
##
##
##
##
|Software|20% on cost|
|---|---|
|Computer and Office Equipment|25% on cost|
|Freehold Building|2% on cost|
##
##
##
##
##
##
##
##
##
|3. Donations and Legacies|||||
|---|---|---|---|---|
||Unrestricted|Restricted|Total Funds|Total Funds|
|||Year Ended|Year Ended|Year Ended|
||Year Ended 31|31 March|31 March|31 March|
||March 2022|2022|2022|2021|
||£|£|£|£|
|Donations|15,283|-|15,283|16,199|
|Gift Aid|365||365||
||15,648||15,648|16,199|
|Previous reporting period|||||
||Unrestricted|Restricted|Total Funds||
|||Year Ended|Year Ended||
||Year Ended 31|31 March|31 March||
||March 2021|2021|2021||
||£|£|£||
|Donations|16,199|-|16,199||
||16,199||16,199||
##
##
|**4.**Income from charitable**activities**||||||
|---|---|---|---|---|---|
||Unrestricted||Restricted|**Total Funds**|**Total Funds**|
||||**Year**Ended|**Year Ended**|**Year Ended**|
||**Year Ended 31**||31 March|**31 March**|**31 March**|
||**March**|**2022**|**2022**|**2022**|**2021**|
||£||£|£|£|
|**Covid 19 Response**||||||
|Baring Foundation|||||12,000|
|HMRC CVJRS||-|||21,183|
|HMRC SSP||631||631||
|Lottery Community Fund||-|||45,589|
|Clothworkers Foundation||-|||1,500|
|Salford CVS - Crisis Grants||-|||1,000|
|Salford CVS - Covid Recovery Fund|||||19,936|
|Salford City Council|||||20,000|
|Salford City Council - Windows||-|||1,758|
|Salford City Council - Omicron||2.667||2,667||
|GMCA||-|||10,000|
|Worsley Rotary Club|||||500|
|Groundwork - Tesco Bags of Help|||||500|
|Salford Primary Care Together|||||958|
|||3,298||3,298|134,924|
|Reach Out||||||
|CRH Charitable Trust||-|10,000|10,000||
|DHSC||-|26,956|26,956||
|Salford City Council||-|2,000|2,000||
|Salford CCG|27,254|||27,254||
|Salford CVS||-|9,428|9,428||
||27,254||48,384|75,638||
|Inspiring**Minds**||||||
|Salford CCG|381,276|||381,276|385,271|
|Salford CCG - Baseline Uplift||5,409||5,409|-|
|Salford CCG - WINGS (formerly MHSG)|24,167|||24,167|24,420|
|Salford CVS - Volunteer Week||500||500|500|
|Mind in Salford||33,003||33,003||
|Workers' Educational Association - ESF||6,952||6,952||
|Other Income||9,365||9,365|11,652|
||460,672|||460,672|421,843|
|Innovation**Projects**||||||
|Big Lottery - Start Plus||-|39,983|39,983|53,886|
|Salford CCG - Waiting List Initiative|||93,817|93,817||
|Salford CCG - Living Well|||4,500|4,500|52,855|
|Salford CVS - Short Breaks|||-|-|3,850|
|Salford CVS - Captain Confidence|||-|-|5,000|
|Salford CCG - Writing to Heal|||4,963|4,963|-|
|Salford CCG - Reach Out|||-|-|27,200|
|Salford CVS - Living Well|||-|-|128,518|
|Trafford CCG - Living Well|||62,506|62,506||
|The Booth Charities||5,000|-|5,000|5,000|
|SalfordCity Council-Chalk to Talk||12,210|-|12,210|-|
|HMRC CVJRS||-|-|-|11,03e|
|GMCVO|||-||5,000|
|The Third Sector Consortium - Wellbeing Matters||-|99,028|99,028|45,000|
|Mind in Salford - Living Well||-|19,440|19,440|500|
|Other Income||9,266||9,266|7,065|
|||26,476|324,237|350,713|344,910|
|Total Income from charitable activities|517,700||372,621|890,321|901,677|
##
##
|Previous reporting period||
|---|---|
||**Unrestricted**
**Restricted**
**Total Funds**|
||**Year Ended Year Ended**|
||**Year Ended 31**
**31 March**
**31 March**|
||**March 2021**
**20212021**|
||£
£
£|
|**Covid 19 Response**||
|Baring Foundation|-
12,000
12,000|
|HMRCCVJRS|21,183
-
21,183|
|Lottery Community Fund|-
45,589
45,589|
|Clothworkers Foundation|-1,5001,500|
|Salford CVS - Crisis Grants|1,0001,000|
|Salford CVS - Covid Recovery Fund|-
19,936
19,936|
|Salford City Council|20,000
20,000|
|Salford City Council - Windows|-1,7581,758|
|GMCA|-
10,000
10,000|
|Worsley Rotary Club|-500500|
|Groundwork - Tesco Bags of Help|-500500|
|Salford Primary Care Together|-958958|
||41,183
93,741
134,924|
|**Inspiring Minds**||
|Salford CCG|385,271
385,271|
|Salford CCG - MHSG|24,420
24,420|
|Salford CVS - Volunteer Week|500
-500|
|Other Income|11,652
11,652|
||421,843
421,843|
|**Innovation Projects**||
|Big Lottery - Start+|53,886
53,886|
|Salford CCG - Living Well|52,855
52,855|
|Salford CVS - Short Breaks|3,8503,850|
|Salford CVS - Captain Confidence|5,000
-5,000|
|Salford CCG - Reach Out|27,200
-
27,200|
|Salford CVS - Living Well|128,518
128,518|
|The Booth Charities|5,000
-5,000|
|HMRC CVJRS|11,036
-
11,036|
|GMCVO|5,0005,000|
|The Third Sector Consortium - Wellbeing Matters|45,000
-
45,000|
|Mind in Salford|500500|
|Other Income|7,065
-7,065|
||100,301
244,609
344,910|
|Total Income from charitable activities|563,327
338,350
901,677|
##
|5.Income from other trading activities|||
|---|---|---|
||Unrestricted
Restricted
Total Funds Total Funds||
||Year Ended Year Ended Year Ended||
||Year Ended 31
31 March
31 March
31 March||
||March 2022
202220222021||
||£
£
£
£||
|Room hire|1,953
1,953615||
|Kickstart|3,445
3,445|-|
|Other Income|4,153
4,1533,155||
||9,551
9,5513,770||
|Previous reporting period|||
||Unrestricted
Restricted
Total Funds||
||Year Ended Year Ended||
||Year Ended 31
31 March
31 March||
||March 2021
20212021||
||£
£
£||
|Room hire|615
615||
|Other Income|3,155
-3,155||
|Unrestricted
Restricted
Total Funds|
|---|
|Year Ended Year Ended|
|Year Ended 31
31 March
31 March|
|March 2021
20212021|
|£
£
£|
|615
615|
|3,155
-3,155|
|3,770
3,770|
|6.Investment Income|||
|---|---|---|
||Unrestricted
Restricted
Total Funds Total|Funds|
||Year Ended Year Ended Year|Ended|
||Year Ended 31
31 March
31 March
31|March|
||March 2022
202220222021||
||£
£
£|£|
|Bank Interest|148
148|468|
||148
148|468|
|Previous reporting period|||
||Unrestricted
Restricted
Total Funds||
||Year Ended Year Ended||
||Year Ended 31
31 March
31 March||
||March 2021
20212021||
||£
£
£||
|Bank Interest|468
-468||
||468
468||
##
##
|**7. Expenditure**||||
|---|---|---|---|
||Health &|**Year Ended**|**Year Ended**|
||Wellbeing|**31 March**|**31 March**|
||Activities|**2022**|**2021**|
||£|£|£|
|**Expenditure on**charitable activities:||||
|Art Materials & Equipment|9,728|9,728|11,198|
|Delivery Costs|20,548|20,548|12,842|
|Living Well Delivery|11,853|11,853|18,056|
|Refurbishment|-||22,175|
|Advertising and marketing|266|266|309|
|Employment Costs|634,765|634,765|551,565|
|Sessional Artists|324|324|1,332|
|Covid 19 Response|-||14,593|
|DBS Costs|682|682|583|
|Monitoring & Evaluation|-||3,250|
|Training|196|196|1,319|
|Housekeeping|20,428|20,428|13,351|
|Security|747|747|747|
|Vending Expense|1,729|1,729|846|
|Mortgage Interest|9,078|9,078|9,796|
|Bank Charges|1,723|1,723|513|
|Travel Expenses|2,265|2,265|574|
|Volunteer Expenses|579|579|360|
|Rates and Water|6,878|6,878|6,744|
|Heat and Light|12,566|12,566|11,271|
|Subscriptions|144|144|144|
|IT Maintenance|13,060|13,060|7,973|
|Cleaning & Waste Disposal|995|995|981|
|Telephone|12,916|12,916|12,875|
|Repairs and Maintenance|25,980|25,980|30,958|
|Insurance|12,306|12,306|12,875|
|Governance Costs|5,653|5,653|5,518|
|Post, Printing & Stationery|12,174|12,174|11,797|
|Depreciation|6,680|6,680|6,680|
|General Contingency & Miscellaneous|7,081|7,081|3,732|
||831,344|831,344|774,957|
|Restricted Funds||383,794|168,841|
|Unrestricted Funds||447,550|606,116|
|||831,344|774,957|
##
##
||||||**Year Ended**||
|---|---|---|---|---|---|---|
|||**Covid 19**||Innovation|**31 March**|**Year Ended 31**|
||Inspiring**Minds**|**Response**|Reach**Out**|Projects|**2022**|**March 2021**|
||£|£||£|£|£|
|Staff Costs|193,561|15,203|28,843|302,037|539,644|428,904|
|Project Administration|790||-|11,712|12,502|9,941|
|Project Costs|5,801||13,681|30,124|49,606|81,333|
|Governance Costs (see note 9)|5,031|36|298|288|5,653|5,518|
|Support Costs (see note 9)|199,270|1,427|11,789|11,453|223,939|249,261|
||404,453|16,666|54,611|355,614|831,344|774,957|
|Previous reporting period||||||
|---|---|---|---|---|---|
||||||**Year Ended**|
|||||**Innovation**|**31 March**|
||Inspiring**Minds**|**Over**|**50s**|**Projects**|**2021**|
||£|£||£|£|
|Staff Costs|189,102|50,322||189,480|428,904|
|Administration|3,815|||6,126|9,941|
|Project Costs|4,816|36,632||39,885|81,333|
|Governance Costs (see note 9)|4,293||204|1,021|5,518|
|Support Costs (see note 9)|193,950||9,195|46,116|249,261|
||395,976|96,353||282,628|774,957|
##
||**General Support**|**Governance**|Total**2022**|**Basis of apportionment**|
|---|---|---|---|---|
|Depreciation|6,680|-|6,680|all costs are support costs|
|Employment Costs|95,121||95,121|percentage of income|
|Office Costs|122,138|-|122,138|percentage of income|
|Accountancy Fees||1,320|1,320|all costs are governance costs|
|Legal & Professional Fees||4,333|4,333|all costs are governance costs|
||223,939|5,653|229,592||
|Previous reporting period|||||
||**General Support**|**Governance**|**Total 2021**|**Basis of apportionment**|
|Depreciation|6,680||6,680|all costs are support costs|
|Employment Costs|122,661||122,661|percentage of income|
|Office Costs|119,920||119,920|percentage of income|
|Accountancy Fees||1,320|1,320|all costs are governance costs|
|Legal & Professional Fees||4,198|4,198|all costs are governance costs|
||249,261|5,518|254,779||
##
##
|10.Analysis of staff costs|||
|---|---|---|
||**Year Ended**|**Year Ended**|
||**31 March**|**31 March**|
||**2022**|**2021**|
||£|£|
|Wages and Salaries|553,123|484,603|
|Holiday Pay Accrual|4,986|1,482|
|Childcare Vouchers|4,774|4,374|
|Social Security Costs|42,183|36,704|
|Pension Costs|29,699|24,402|
||634,765|551,565|
|Charitable activities|539,644|428,904|
|Support costs|95,121|122,661|
||634,765|551,565|
##
|11.Net income/(expenditure) for the year
This is stated after charging/(crediting):|||
|---|---|---|
||**Year Ended**|Year**Ended**|
||**31 March**|**31 March**|
||**2022**|**2021**|
||£|£|
|Depreciation|6,680|6,680|
|Interest Payable|9,078|9,796|
|Operating Lease Rentals:|||
|Vending Machine|679|619|
|Telephone System|2,453|1,928|
|Photocopiers|3,140|2,013|
|Independent Examination Fees|1,320|1,320|
##
|**12.Tangible Fixed**Assets|||||
|---|---|---|---|---|
||Freehold|**Office**|**Computer**||
||**Building**|**Equipment**|**Equipment**|Total|
|**Cost**|£|£|£|£|
|At 1 April 2021|333,980|20,375|14,400|368,755|
|Additions|||||
|Eliminated on Disposals|||||
|At 31 March 2022|333,980|20,375|14,400|368,755|
|**Depreciation**|||||
|At 1 April 2021|73,476|20,375|14,400|108,251|
|Charge for Year|6,680|-||6,680|
|Eliminated on Disposals|||||
|At 31 March 2022|80,156|20,375|14,400|114,931|
|NET BOOK VALUE|||||
|At 31March 2022|253,824|||253,824|
|At 31 March 2021|260,504|||200,504|
##
##
|13.Analysis of debtors||
|---|---|
||**20222021**|
||£
£|
|Balance due from subsidiary|7,647
7,647|
|Other debtors|11,481
3,096|
|Prepayments|3,043
7,042|
||22,171
17,785|
##
|**14.Creditors:**amounts falling due within**one year**||
|---|---|
||**20222021**|
||£
£|
|Bank loan|12,665
12,166|
|Creditors|63,315
47,324|
|Short-term compensated absences (holiday pay)|4,986
1,482|
|Other creditors and accruals|4,032
3,854|
|Deferred income|28,812|
|Taxation and social security costs|13,753
10,554|
||127,563
75,380|
|15.Deferred income||
|Deferred income comprises grants and fees received in advance.||
|Balance as at 1 April 2021|-|
|Amount released to income earned from charitable activities|-|
|Amount deferred in year|28,812|
|Balance at 31 March 2022|28,812|
##
|**16.Creditors: amounts falling due**after more than one year||
|---|---|
||**20222021**|
||£
£|
|Secured bank loan|209,377
222,156|
||209,377
222,156|
|Repayable after more than 5 years by instalments|174,787
168,348|
##
||**Balance at I**
**Incoming**
**Resources**
**Balance at 31**|
|---|---|
||**April 2021**
**Resources**
**Expended**
**Transfers**
**March 2022**|
||£
£
£
£
£|
|General Fund|112,946
543,047
(447,550)
(53,000)
155,443|
|Designated Funds|303,000
-
53,000
356,000|
||415,946
543,047
(447,550)-
511,443|
|Previous reporting period||
||**Balance at I**
**Incoming**
**Resources**
**Balance at 31**|
||April 2020
Resources
Expended
Transfers
March 2021|
||£
£
£
£
£|
|General Fund|81,273
585,464
(535,291)
(18,500)
112,946|
|Designated Funds|285,000
-
18,000
303,000|
||66.273
585,464
(535,291)
(500)
415,946|
##
##
|**Analysis of movements**in restricted funds|||||||
|---|---|---|---|---|---|---|
||Balance at I|**Incoming**|**Resources**||**Balance**at 31||
||**April 2021**|**Resources**|**Expended**|**Transfers**|**March**|**2022**|
||£|£|£|£|£||
|**Covid 19 Response**|||||||
|Salford CVS - Covid Recovery Fund|15,203|-|(15,203)|-|||
||15,203|-|(15,203)|-|||
|**Reach Out**|||||||
|CRH Charitable Trust|-|10,000|(5,606)|||4,394|
|DHSC|-|26,956|(26,956)||||
|Salford City Council|-|2,000||||2,000|
|Salford CVS||9,428|(406)|||9,022|
|||48,384|(32,968)||15,416||
|**Innovation**Projects|||||||
|Big Lottery - Start Plus|2,111|39,983|(42,094)|-||-|
|Salford CCG -Waiting List Initiative|-|93,817|(51,653)|-|42,164||
|Salford CCG - Living Well||4,500|(4,500)|||-|
|Salford CCG - Writing to Heal|-|4,963|(4,379)|||584|
|Salford CVS - Living Well|78,121|-|(63,598)||14,523||
|Trafford CCG - Living Well||62,506|(46,405)||16,101||
|Salford CVS - Short Breaks|1,709|-|(1,709)||||
|GMCVO|2,817|-|(2817)|-|||
|The Third Sector Consortium - Wellbeing Matters|-|99,028|(99,028)|-|||
|Mind in Salford - Living Well|-|19,440|(19,440)|-|||
||84,758|324,237|(335,623)|-|73,372||
|**Total**|99,961|372,621|(383,794)|-|88,788||
|Previous reporting period|||||||
||Balance**at I**|**Incoming**|**Resources**||**Balance at**31||
||April**2020**|**Resources**|**Expended**|**Transfers**|**March**|**2021**|
||£|£|£|£|£||
|Covid**19 Response**|||||||
|Baring Foundation|-|12,000|(12,000)||||
|Lottery Community Fund|-|45,589|(45,589)||||
|Clothworkers Foundation||1,500|(1,500)||||
|Salford CVS - Crisis Grants|-|1,000|(1,000)||||
|Salford CVS - Covid Recovery Fund|-|19,936|(4,733)||15,203||
|Salford City Council - Windows||1,758|(1,758)||||
|GMCA|-|10,000|(10,000)||||
|Worsley Rotary Club|-|500|(500)||||
|Groundwork - Tesco Bags of Help||500|(500)||||
|Salford Primary Care Together||958|(958)||||
|||93,741|(78,538)|||15,203|
|**Innovation Projects**|||||||
|Big Lottery - Start Plus|(465)|53,886|(51,310)|||2,111|
|Salford CC
-Living Well||52,855|(52,855)|||-|
|Salford CVS - Living Well||128,518|(0,67)|000||76,121|
|Salford CVS - Short Breaks|1,242|3,850|(3,383)|||1,709|
|GMCVO||5,000|(2,183)|||2,817|
|Mind in Salford||500|(500)|||-|
||777|244,609|(161,128)|500||84,758|
|Total|777|338,350|(239,666)|500||99,961|
##
##
|18.Analysis**of net assets between funds**|||||
|---|---|---|---|---|
||Unrestricted|**Designated**|Restricted||
||funds|funds|**funds**|**Total 2022**|
||£|£|£|£|
|Tangible fixed assets|253,824|||253,824|
|Cash at bank and in hand|191,572|356,000|113,604|661,176|
|Other net current assets/(liabilities)|(80,576)||(24,816)|(105,392)|
|Creditors of more than one year|(209,377)|||(209,377)|
|**Total**|155,443|356,000|88,788|600,231|
|Previous reporting period|||||
|---|---|---|---|---|
||Unrestricted|Designated|**Restricted**||
||**funds**|funds|**funds**|**Total 2021**|
||£|£|£|£|
|Tangible fixed assets|260,504|||260,504|
|Cash at bank and in hand|142,382|285,000|107,772|535,154|
|Other net current assets/(liabilities)|(49,784)||(7,811)|(57,595)|
|Creditors of more than one year|(222,156)|||(222,156)|
|Total|112,946|303,000|99,961|515,907|
##
##
||**2022**|**2021**|
|---|---|---|
||£|£|
|Loan payable falling due within one year|12,665|12,166|
|Loan payable falling due in more than one year but in less than five years|34,590|53,808|
|Loan payable falling due after five years|174,787|168,348|
||222,042|234,322|
##
||**Balance at 31**|Balance at**31**|
|---|---|---|
||**March 2022**|**March 2021**|
||£|£|
|Salford CCG|541,386|489,746|
|Trafford CCG|62,506||
|HMRC CVJRS||32,219|
|HMRC SSP|631||
||604,523|521,965|
##
|Transactions in the period comprised:||
|---|---|
||**20222021**|
||£
£|
|Balance owed by/(to) the subsidiary at the period end|7,6477,647|
##
##
||**2022**|**2021**|
|---|---|---|
||£|£|
|Less than one year|4,121|4,560|
|One to five years|3,773|5,088|
||7,894|9.648|