Brighton Pebbles Trustees’ Annual Report for the period 1[st] April 2020 to 31[st] March 2021
Brighton Pebbles is registered charity number 1166802.
It is a charitable incorporated organisation, registered on 28[th] April 2016, having been operating as an unincorporated organisation since January 2008.
- The main contact address for the charity is: 37 Graham Avenue, Portslade, Brighton, BN41 2WN
The management committee is made up of 5 trustees who are all parent carers of children and young people with disabilities.
The trustees are: Lisa Hinton (Friday Co-ordinator) Anna Hobbs (Secretary) Lorraine Roberts (Events Organiser) Rhianydd Summersett (Chair) Marian Tipler (Hon Treasurer)
In the event of a trustee leaving post, a new trustee would be sought from the bank of parent carers who are involved in the charity, drawing on relevant expertise to meet the requirements necessary at the time.
The charity also employs a Finance Officer / Fundraiser to carry out all of the administrative and organisational duties needed to keep the charity running.
As the charity is involved in dealing with families, we have a safeguarding policy in place to ensure we follow appropriate guidelines and procedures. Staff and Trustees have had safeguarding training and also have DBS checks carried out prior to taking their positions with the charity.
Charitable Objects
The object of the CIO is the promotion of social inclusion among families with disabled children and young people, who are socially excluded from society as a
result of their disability or challenging behaviour, by providing recreational facilities and opportunities for disabled children, their parents and carers and their siblings.
Activities
In planning activities for the year, the Charity Commission guidance on public benefit was taken into consideration at trustee meetings. Activities are open to any family known to the charity who have a child or young person with disabilities.
The main activity normally is the provision of a weekly afterschool drop in session for families, providing a safe, non-judgemental space with various activities for families to meet up and have fun together. Unfortunately, due to restrictions imposed by the Covid-19 pandemic these sessions have not run at all during this year.
When lockdown restrictions have eased, there have been regular days out organised throughout the year, mainly during school holidays as this is when families report the greatest isolation. These have mainly been to venues with outdoor facilities to meet with Covid-19 guidelines.
Main achievements for the period
Many of our activities have been curtailed during this year due to the pandemic.
The exercise class for parents and carers moved online and continued throughout the lockdown period. As restrictions began to relax, it returned to being face to face at the community hall, but where possible, took place outside. As restrictions increased going into Winter, the class reverted to being online once more.
The charity leases a beach hut from Adur District Council and this is used as a meeting point for families during the summer months, with parties, barbecues and picnics arranged evenings, weekends and school holidays. When social distancing restrictions were imposed, we were able to offer the beach hut to individual families to hire, giving them a place to go to enjoy the seaside.
Days Out are a big part of what we offer at weekends and during school holidays as these times are when families report the most isolation.
The day trips have varied in size but attracted an average of 33 people. Our busiest trip this year was a Christmas visit to Drusilla Zoo Park, which was for a total of 73 people.
Within this year we have arranged the following trips;
-
Groombridge Place
-
Fishers Farm Park
-
Zippos Circus
-
Knockhatch Adventure Park
-
Washbrooks Farm
-
2 visits to Drusillas Zoo Park
-
Funplex Soft Play
-
Footgolf
-
Jump In Inflatable Fun
-
Steamlights at the Bluebell Steam Railway
For parents, we have arranged a Mum’s weekend at the beautiful Micklepage Farmhouse. The planned Dad’s weekend away unfortunately had to be cancelled due to restrictions.
Sadly, we were unable to go ahead with our planned holiday for families to the Kench Hill Centre in August or our camping trip. We are hopeful they will go ahead in the summer of 2021 and funds received for these projects have carried forward into 2021-22.
During the period covered by this report Brighton Pebbles has provided activities for 41 different families consisting of 83 adults and 72 children. This is less than in previous years due to the Covid-19 pandemic.
Financial Review
The charity has a Reserve’s Policy, recognising it is good practice to hold 3 months’ worth of operational costs in the event of the charity needing to wind down. Currently this is estimated at £3084 which is within the £4907 held as free reserves as at 31[st] March 2021
.
Most of the charity’s funding comes from other grant making charities and organisations which are secured during the year.
At the beginning of the period the charity was holding existing grants from the following organisations:-
-
Capital grant from Brighton & Hove Council
-
Co-op Community Grant
-
Brighton District Nurses Association
-
Henry Smith Grant
-
Noel Bennett Fund
-
Chalk Cliff Trust
-
True Colours Trust Grant
During the year we were fortunate to be granted funds from national grant giving charities:
-
Localgiving Magic Little Grant
-
Tesco Groundworks Grant x 2
-
Barbara Ward Children’s Foundation
And from Local Sources:
-
Brighton & Hove Council Summer Activities Grant
-
Amaze PaCC Partner Fund
-
Brighton & Hove Mencap x 2
-
Sussex Community Foundation
-
Noel Bennet Fund
We are extremely grateful for all these funders who have supported us and enabled us to continue to support our families.
As we were unable to run our weekly drop in sessions, our playworker staff were furloughed and we received government support with the job retention scheme funding.
In addition, we have received donations from private individuals and from fundraising activities.
Brighton Pebbles aims to reduce social isolation for its families by offering activities for families to take part in within a safe and supportive environment. We feel that we have achieved this during the period detailed in this report despite the difficult circumstances faced due to the Covid-19 pandemic.
A couple of quotes from families who managed to attend some of our trips during the year:-
“Billy had an amazing time at Drusilla's yesterday the first time he was able to do all the rides! It was the first time since the summer he's been able to get out and really enjoy himself and see his friends. Definitely one of his Christmas highlights - thanks so much for organising a real special day out for us in a year Billy has really struggled to understand”
“It was the nicest family day out we’ve had in about two years, such an amazing blessing. No arguments, minimal tears and we felt relaxed!”
Signed on behalf of the Charity’s Trustees:
Signature: Signature Full Name: Full Name: Position: Position: Date: Date:
Signed on behaw of the Chartty's Twstees: Signature.. I,. Signature Full Name: M A£1 Ti f Full Name". A IKJAJ A cfKf Position: HotyJ . TQE IE1 Posf(ion" Icc Date.. l li Date.. 2 z/&/ 21
Independent Examiner’s report on the accounts
Report to the trustees of Brighton Pebbles CIO Registered Charity number 1166802
1[st] April 2020 to 31[st] March 2021
The accounts have been prepared on the Receipts and Payments basis.
Respective responsibilities of trustees and independent examiner
As the charity’s trustees, you are responsible for the preparation of the accounts. You consider that an audit is not required for this year under section 144 of the Charities Act 2011 and that an independent examination is needed.
It is my responsibility to: examine the accounts under section 145 of the Charities Act, to follow the procedures specified in the General Directions of the Charity Commissioners (under section 145 (5)(b) of the Act) and to state whether particular matters have come to my attention.
Basis of Independent Examiner’s Report
My examination was carried out in accordance with the General Directions given by the Charity Commission. An examination includes a review of the accounting records kept by the charity and a comparison of the accounts presented with those records. It also includes consideration of any unusual items or disclosures in the accounts and seeking explanations from the trustees concerning any such matters. The procedures undertaken do not provide all the evidence that would be required in an audit, and consequently no opinion is give as to whether the accounts present a ‘true and fair’ view and the report is limited to those matters laid out in the statement below.
Independent Examiner’s Report
In connection with my examination, no matter has come to my attention
-
(1) which gives me reasonable cause to believe that in any material respect the requirements
-
(a) to keep accounting records in accordance with section 130 of the Act: and
-
(b) to prepare accounts which accord with the accounting records and comply with the accounting requirements of the Act have not been met; or
-
(2) to which, in my opinion, attention should be drawn in order to enable a proper understanding of the accounts to be reached.
Kate Chapman Resource Centre 6 Tilbury Place Brighton BN2 0GY Date: 16[th] July 2021
Brighton Pebbles CIO Accounts for the period 1st April 2020 to 31st March 2021 Registered charity Charity correspondent 1166802 MRS SALLY HOWELL 37 GRAHAM AVENUE PORTSLADE BRIGHTON These accounts have been prepared on the Receipts and Payments basis from information and explanations supplied by the thartty. Kate Chapman Resource Centre 6 Tilbury Place Brighton BN2 OGY Date: 3h April 2021 These artounts have been approved by the Trustees of the charity. Signed by one ortwo Trustees on behalf of all the Trustees Date Page l of 4
Brighton Pebbles (CIO No.1166802)
Statement of Financial Activities from 1st April 2020 to 31st March 2021
Summary receipts and payments
| Receipts | 2021 | 2020 | ||||
|---|---|---|---|---|---|---|
| restricted | unrestricted | total | restricted | unrestricted | total | |
| Donations, grants and legacies | 17,281.40 | 4,112.79 | 21,394.19 | 33,506.60 | 529.18 | 34,035.78 |
| Income from charitable activities | 2,893.06 | 854.46 | 3,747.52 | 4,011.00 | 6,022.43 | 10,033.43 |
| Other income | - | 0.75 | 0.75 | - | 123.30 | 123.30 |
| Total Receipts | 20,174.46 | 4,968.00 | 25,142.46 | 37,517.60 | 6,674.91 | 44,192.51 |
| Payments Expenditure on charitable activities Expenditure on raising funds |
12,178.30 317.35 |
4,297.58 96.00 |
16,475.88 413.35 |
29,780.56 685.21 |
7,623.57 96.00 |
37,404.13 781.21 |
| Total Payments | 12,495.65 | 4,393.58 | 16,889.23 | 30,465.77 | 7,719.57 | 38,185.34 |
| Net receipts (payments) for the period Trabsfers between funds Balance of funds at 1st April 2020 |
7,678.81 - 17,922.25 |
574.42 - 4,332.68 |
8,253.23 - 22,324.93 |
7,051.83 (90.00) 11,030.42 |
(1,044.66) 90.00 5,287.34 |
6,007.17 - 16,317.76 |
| Balance of funds at 31st March 2021 | 25,601.06 | 4,907.10 | 30,578.16 | 17,992.25 | 4,332.68 | 22,324.93 |
page 2 of 4
Brighton Pebbles (CIO No.1166802)
Receipts and Payments from 1st April 2020 to 31st March 2021
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Receipts 2021 2020
Donations, grants and legacies restricted unrestricted total restricted unrestricted total
HMRC: Job Retention Scheme grant - 3,262.08 3,262.08 - - -
Amaze 600.00 200.00 800.00 1,940.50 200.00 2,140.50
Awards for All - - - 9,990.00 - 9,990.00
Barbara Ward Children's Foundation 4,000.00 - 4,000.00 - - -
Brighton and Hove City Council (Summer Activities) 2,858.00 - 2,858.00 - - -
Brighton District Nursing Associaion - - - 2,000.00 - 2,000.00
Chalk Cliff Trust - - - 2,500.00 - 2,500.00
Co-op Community Fund - - - 2,540.10 - 2,540.10
East Brighton Trust - - - 500.00 - 500.00
Henry Smith - - - 5,740.00 - 5,740.00
Magic Little Grants 500.00 - 500.00 500.00 - 500.00
Mencap Brighton and Hove 2020 1,000.00 - 1,000.00 1,000.00 - 1,000.00
Mencap Brighton and Hove 2021 1,000.00 - 1,000.00 - - -
Noel Bennett Fund 875.40 - 875.40 873.00 - 873.00
Sussex Community Foundation 4,948.00 - 4,948.00 - - -
Tesco Groundwork 1,500.00 - 1,500.00 - - -
True Colours Trust - - - 4,500.00 - 4,500.00
Wellesley Charitable Foundation - - - 1,120.00 - 1,120.00
WH Smith Community Fund - - - - 100.00 100.00
Donations and gift aid - 650.71 650.71 303.00 229.18 532.18
Income from charitable activities
Members' contributions: Kench Hill 2019 - - - 4,011.00 - 4,011.00
Members' contributions: activities and days out 2,893.06 610.00 3,503.06 - 4,008.85 4,008.85
Members' contributions: parent and siblings activities - 166.02 166.02 - 1,122.63 1,122.63
Members' contributions: Friday drop-in - - - - 763.45 763.45
Fundraising activities - 78.44 78.44 - 127.50 127.50
Other income
Office room hire - - - 120.00 120.00
Bank interest - 0.75 0.75 - 3.30 3.30
Total Receipts 20,174.46 4,968.00 25,142.46 37,517.60 6,674.91 44,192.51
Payments 2020
Expenditure on charitable activities
Friday Drop-in: salaries 2,614.50 3,526.03 6,140.53 3,388.83 1,777.18 5,166.01
Friday Drop-in: other costs - - - 1,462.68 366.04 1,828.72
General activities and days out 4,330.76 - 4,330.76 6,846.72 1,061.99 7,908.71
Parents' and siblings' activities 2,037.90 475.10 2,513.00 1,152.18 3,042.89 4,195.07
Beach hut 2,086.55 48.75 2,135.30 718.66 221.34 940.00
Kench Hill 2019 - 14,197.62 - 14,197.62
Staff and volunteer expenses - 85.00 85.00 - - -
Emmaus office rent, rates and expenses - - - - 555.80 555.80
Admin salaries 634.71 - 634.71 1,370.42 - 1,370.42
Admin and organisational costs (inc training) 473.88 162.70 636.58 643.45 598.33 1,241.78
Expenditure on raising funds -
Admin salaries 317.35 - 317.35 685.21 - 685.21
Fundraising expenses - 96.00 96.00 - 96.00 96.00
Total Payments 12,495.65 4,393.58 16,889.23 30,465.77 7,719.57 38,185.34
Net receipts (payments) for the period 7,678.81 574.42 8,253.23 7,051.83 (1,044.66) 6,007.17
Transfer between funds - - - (90.00) 90.00 -
Balance of funds at 1st April 2020 17,992.25 4,332.68 22,324.93 11,030.42 5,287.34 16,317.76
Balance of funds at 31st March 2021 25,671.06 4,907.10 30,578.16 17,992.25 4,332.68 22,324.93
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Page 3 of 4
Brighton Pebbles (CIO No.1166802)
Assets and Liabilities at 31st March 2021
----- Start of picture text -----
Assets
Community account 28,706.04
Deposit (savings) account 671.69
Salary account 22.27
Cottage Industries account 979.54
Cash in hand 198.62
Total assets 30,578.16
Non-monetary Assets
none known
Liabilities
none known
Restricted funds held at 31st March 2021
----- End of picture text -----
----- Start of picture text -----
||||
|---|---|---|
|Balance|
|Date funds|remaining at|
|Funder|received|31st March 2021|
|Barbara Ward Children's Foundation|17/09/2020|4,000.00|
|Brighton and Hove City Council, Manor Gym Capital Grant|24/09/2014|474.40|
|Brighton and Hove City Council, Summer Activities grant|23/09/2020|279.34|
|Brighton Distict Nurses Association|20/08/2019|620.00|
|Co-op Community Fund 2019|03/11/2019|1,556.15|
|Chalk Cliff Trust 2020|28/02/2020|2,500.00|
|Henry Smith Foundation|15/10/2019|255.38|
|Hinton Activity Fund|3,183.04|
|Kench Hill 2019|3,120.47|
|Mencap Brighton and Hove 2021|19/02/2021|1,000.00|
|Noel Bennett Fund 2021|11/12/2020|506.26|
|Sussex Community Foundation 2020|27/11/2020|4,948.00|
|Tesco Groundwork|1,000.00|
|True Colours Trust|25/03/2020|2,228.02|
|Restricted funds held at 31st March 2021|25,671.06|
|Free reserves|4,907.10|
----- End of picture text -----
Page 4 of 4
Independent Examiner’s report on the accounts
Report to the trustees of Brighton Pebbles CIO Registered Charity number 1166802
1[st] April 2020 to 31[st] March 2021
The accounts have been prepared on the Receipts and Payments basis.
Respective responsibilities of trustees and independent examiner
As the charity’s trustees, you are responsible for the preparation of the accounts. You consider that an audit is not required for this year under section 144 of the Charities Act 2011 and that an independent examination is needed.
It is my responsibility to: examine the accounts under section 145 of the Charities Act, to follow the procedures specified in the General Directions of the Charity Commissioners (under section 145 (5)(b) of the Act) and to state whether particular matters have come to my attention.
Basis of Independent Examiner’s Report
My examination was carried out in accordance with the General Directions given by the Charity Commission. An examination includes a review of the accounting records kept by the charity and a comparison of the accounts presented with those records. It also includes consideration of any unusual items or disclosures in the accounts and seeking explanations from the trustees concerning any such matters. The procedures undertaken do not provide all the evidence that would be required in an audit, and consequently no opinion is give as to whether the accounts present a ‘true and fair’ view and the report is limited to those matters laid out in the statement below.
Independent Examiner’s Report
In connection with my examination, no matter has come to my attention
-
(1) which gives me reasonable cause to believe that in any material respect the requirements
-
(a) to keep accounting records in accordance with section 130 of the Act: and
-
(b) to prepare accounts which accord with the accounting records and comply with the accounting requirements of the Act have not been met; or
-
(2) to which, in my opinion, attention should be drawn in order to enable a proper understanding of the accounts to be reached.
Kate Chapman Resource Centre 6 Tilbury Place Brighton BN2 0GY Date: 16[th] July 2021
Brighton Pebbles CIO Accounts for the period 1st April 2020 to 31st March 2021 Registered charity Charity correspondent 1166802 MRS SALLY HOWELL 37 GRAHAM AVENUE PORTSLADE BRIGHTON These accounts have been prepared on the Receipts and Payments basis from information and explanations supplied by the thartty. Kate Chapman Resource Centre 6 Tilbury Place Brighton BN2 OGY Date: 3h April 2021 These artounts have been approved by the Trustees of the charity. Signed by one ortwo Trustees on behalf of all the Trustees Date Page l of 4
Brighton Pebbles (CIO No.1166802)
Statement of Financial Activities from 1st April 2020 to 31st March 2021
Summary receipts and payments
| Receipts | 2021 | 2020 | ||||
|---|---|---|---|---|---|---|
| restricted | unrestricted | total | restricted | unrestricted | total | |
| Donations, grants and legacies | 17,281.40 | 4,112.79 | 21,394.19 | 33,506.60 | 529.18 | 34,035.78 |
| Income from charitable activities | 2,893.06 | 854.46 | 3,747.52 | 4,011.00 | 6,022.43 | 10,033.43 |
| Other income | - | 0.75 | 0.75 | - | 123.30 | 123.30 |
| Total Receipts | 20,174.46 | 4,968.00 | 25,142.46 | 37,517.60 | 6,674.91 | 44,192.51 |
| Payments Expenditure on charitable activities Expenditure on raising funds |
12,178.30 317.35 |
4,297.58 96.00 |
16,475.88 413.35 |
29,780.56 685.21 |
7,623.57 96.00 |
37,404.13 781.21 |
| Total Payments | 12,495.65 | 4,393.58 | 16,889.23 | 30,465.77 | 7,719.57 | 38,185.34 |
| Net receipts (payments) for the period Trabsfers between funds Balance of funds at 1st April 2020 |
7,678.81 - 17,922.25 |
574.42 - 4,332.68 |
8,253.23 - 22,324.93 |
7,051.83 (90.00) 11,030.42 |
(1,044.66) 90.00 5,287.34 |
6,007.17 - 16,317.76 |
| Balance of funds at 31st March 2021 | 25,601.06 | 4,907.10 | 30,578.16 | 17,992.25 | 4,332.68 | 22,324.93 |
page 2 of 4
Brighton Pebbles (CIO No.1166802)
Receipts and Payments from 1st April 2020 to 31st March 2021
----- Start of picture text -----
Receipts 2021 2020
Donations, grants and legacies restricted unrestricted total restricted unrestricted total
HMRC: Job Retention Scheme grant - 3,262.08 3,262.08 - - -
Amaze 600.00 200.00 800.00 1,940.50 200.00 2,140.50
Awards for All - - - 9,990.00 - 9,990.00
Barbara Ward Children's Foundation 4,000.00 - 4,000.00 - - -
Brighton and Hove City Council (Summer Activities) 2,858.00 - 2,858.00 - - -
Brighton District Nursing Associaion - - - 2,000.00 - 2,000.00
Chalk Cliff Trust - - - 2,500.00 - 2,500.00
Co-op Community Fund - - - 2,540.10 - 2,540.10
East Brighton Trust - - - 500.00 - 500.00
Henry Smith - - - 5,740.00 - 5,740.00
Magic Little Grants 500.00 - 500.00 500.00 - 500.00
Mencap Brighton and Hove 2020 1,000.00 - 1,000.00 1,000.00 - 1,000.00
Mencap Brighton and Hove 2021 1,000.00 - 1,000.00 - - -
Noel Bennett Fund 875.40 - 875.40 873.00 - 873.00
Sussex Community Foundation 4,948.00 - 4,948.00 - - -
Tesco Groundwork 1,500.00 - 1,500.00 - - -
True Colours Trust - - - 4,500.00 - 4,500.00
Wellesley Charitable Foundation - - - 1,120.00 - 1,120.00
WH Smith Community Fund - - - - 100.00 100.00
Donations and gift aid - 650.71 650.71 303.00 229.18 532.18
Income from charitable activities
Members' contributions: Kench Hill 2019 - - - 4,011.00 - 4,011.00
Members' contributions: activities and days out 2,893.06 610.00 3,503.06 - 4,008.85 4,008.85
Members' contributions: parent and siblings activities - 166.02 166.02 - 1,122.63 1,122.63
Members' contributions: Friday drop-in - - - - 763.45 763.45
Fundraising activities - 78.44 78.44 - 127.50 127.50
Other income
Office room hire - - - 120.00 120.00
Bank interest - 0.75 0.75 - 3.30 3.30
Total Receipts 20,174.46 4,968.00 25,142.46 37,517.60 6,674.91 44,192.51
Payments 2020
Expenditure on charitable activities
Friday Drop-in: salaries 2,614.50 3,526.03 6,140.53 3,388.83 1,777.18 5,166.01
Friday Drop-in: other costs - - - 1,462.68 366.04 1,828.72
General activities and days out 4,330.76 - 4,330.76 6,846.72 1,061.99 7,908.71
Parents' and siblings' activities 2,037.90 475.10 2,513.00 1,152.18 3,042.89 4,195.07
Beach hut 2,086.55 48.75 2,135.30 718.66 221.34 940.00
Kench Hill 2019 - 14,197.62 - 14,197.62
Staff and volunteer expenses - 85.00 85.00 - - -
Emmaus office rent, rates and expenses - - - - 555.80 555.80
Admin salaries 634.71 - 634.71 1,370.42 - 1,370.42
Admin and organisational costs (inc training) 473.88 162.70 636.58 643.45 598.33 1,241.78
Expenditure on raising funds -
Admin salaries 317.35 - 317.35 685.21 - 685.21
Fundraising expenses - 96.00 96.00 - 96.00 96.00
Total Payments 12,495.65 4,393.58 16,889.23 30,465.77 7,719.57 38,185.34
Net receipts (payments) for the period 7,678.81 574.42 8,253.23 7,051.83 (1,044.66) 6,007.17
Transfer between funds - - - (90.00) 90.00 -
Balance of funds at 1st April 2020 17,992.25 4,332.68 22,324.93 11,030.42 5,287.34 16,317.76
Balance of funds at 31st March 2021 25,671.06 4,907.10 30,578.16 17,992.25 4,332.68 22,324.93
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Page 3 of 4
Brighton Pebbles (CIO No.1166802)
Assets and Liabilities at 31st March 2021
----- Start of picture text -----
Assets
Community account 28,706.04
Deposit (savings) account 671.69
Salary account 22.27
Cottage Industries account 979.54
Cash in hand 198.62
Total assets 30,578.16
Non-monetary Assets
none known
Liabilities
none known
Restricted funds held at 31st March 2021
----- End of picture text -----
----- Start of picture text -----
||||
|---|---|---|
|Balance|
|Date funds|remaining at|
|Funder|received|31st March 2021|
|Barbara Ward Children's Foundation|17/09/2020|4,000.00|
|Brighton and Hove City Council, Manor Gym Capital Grant|24/09/2014|474.40|
|Brighton and Hove City Council, Summer Activities grant|23/09/2020|279.34|
|Brighton Distict Nurses Association|20/08/2019|620.00|
|Co-op Community Fund 2019|03/11/2019|1,556.15|
|Chalk Cliff Trust 2020|28/02/2020|2,500.00|
|Henry Smith Foundation|15/10/2019|255.38|
|Hinton Activity Fund|3,183.04|
|Kench Hill 2019|3,120.47|
|Mencap Brighton and Hove 2021|19/02/2021|1,000.00|
|Noel Bennett Fund 2021|11/12/2020|506.26|
|Sussex Community Foundation 2020|27/11/2020|4,948.00|
|Tesco Groundwork|1,000.00|
|True Colours Trust|25/03/2020|2,228.02|
|Restricted funds held at 31st March 2021|25,671.06|
|Free reserves|4,907.10|
----- End of picture text -----
Page 4 of 4