2023-03-31-accounts

Company registration number. N1660274 Charity re￿atIon n￿nber", 107372 Rathfern Community Regeneration Group (A company limited by guarantee) Annual Report and Financial Statem¢nts for the Year Ended 31 March 2023 TB Milkar & Co 6 Doagb Road Ballyclare Co Antrini BT39 9BG

Rathfern Community Regeneration Group Contents Reference and Athninistrative Detai Trnst¢es' Report 2to3 (lependent Examinefs Report Statement of Finall¢1￿ Activiti¢s Balance Sheet Not¢s to the FiJ]ancial Statements 7t015

Rathfern Community Regeneration Group Reference and Administrative Details Trustees Ms Attna Bond Mi Alan CTawford Mr George Hill Mr John M¢Cleave Mr Thomas Mccully Ms Stephanie Mewha Mr Gary Thompson Mr Thon]as Kidtham Secr¢tary Charity Registration Number 107372 Company RegIS￿tiOn Number N1660274 The charity is incorpordted in Northern freland. 43 Knockenagh Avenue Newtownabbey Co Antritn BT36 6BE TB Millar & Co 6 Doagh Road Ballyclate Co Antrim BT39 9BG Principal Office Independent Examiner Pag¢ I

Rathfern Community Regeneratioll Group Trustees, Report The trllstees, who ar¢ dirtctois foT the purposes of comp2ny law, present the annual i'eport together with the fLll2ncial statements of the charitable compatly for the year ended 31 March 2023. Objectives and activxties Objects and aimg The charity's objective is that all residents Siviiig in tlie Macedon ward of Newtown&bbey enjoy a high quality of life, are able to achieve their economic. so¢ial and educational tyoals, and part of a strong, prosperous and C3rÈnts eommunity. In Order to a¢hiev6 its objectives the charity aims to.. -illanage a community building which provides high quality facilities and a ranoe of activities thihich are accessible to the 10¢81 comrllunity -eontinuously develop aTJd updatc the buildino to m¢et the ch8ngints needs of the users -develop activities that increage participation tn civic life including opportunities for self-developinenL voluntsering and involveLnent in local decision-making. Public benefts The charity has added value by increasing the qiiality of life for residents tn Radifern. Kt has developed a Anaster plan £or the area L8 a whole working witii tlie community through COMM￿litY consultation and public meetings. ProgL2Lnmes are which develop employability slalls, build social cohesion, improve the treneral area and empowei- those livincv in the area to create a better environmeiTrt in which to live. The centre is becomino the focal poiiit foi commllnity ￿tivitieS and is used by a WAde rantse of useis and st2tutory bodies. Antriin and Newtowi&bbey Borouoh Council contributes to tbe runnin(y costs of new and existing cominunity projects in line with Council's Comillunity Developinent grant &id progranmie. Achievements and perform2nce We started thÉs finaiicial year with the upheaval and distiirbance involved in haviiic tkLe iiew extension biiilt. Howevei" we came throutsh with flying colollrs and lost tbe minimum of revenue due to the reduction iii room hiie. We used the time io look inwardly at what our needi were and how we could change to rectify the fmancial situation during tliat financial year and wliat gr2Jits we could brintt in Lo help oiw situation. We have received £4,655 froin the Commllnity Employinent Animation Fund to fwid the CSR Card tr&inints and the First Aid Course whkch will help people get back to work Ltsain. Another application was made to Livino Spaces and Pl&ees to the value of £3,700 and was awarded in MarGh 2023 for some i-tmedid WC>rlcs outside to ensure our application foi. Giten Flao Status Gan 202in be Success￿1. We also received siipport froiT) AntriLII and NeW(ownabbey Borough Council of £1,620 for a Iiathfern Exploriiig Identity CouiEe. We further reoeived our Block grant of £30,000. This figure increascd to £45,000 and was negotAated iii a January 2023 proposal alld rattfied in a M￿ch 2023 Council meeting. We wish to takt this opportunity to thank Antrim 2nd Newtownabbey Borough Council for their ongoing Partnership and also The Local Commur&ity Fund/Bio IA)ttery for their fw]dxng for Élle next three ytars. We Can aJee that we Iiad a pretty successful year indeed, wth furtLier addittonal woiks to li￿lde and outsid to make sw't our centre is clean and kept tn good ol'der, the memb¢TS of staff are helpful & friendly and togetlier we ¢an deliver a very good project. We started the year off with five staff inelnbers we now have two additiona reception staff ai)d one ConunuEllty Mentoi. for ttLe Rathfern Junior Hill Wardens which has iiicreased stsff Mernbe￿ to eight. We have also had another successful year assistino our community throuJ the Christrn￿ f4estival prOgr￿n1r1e, accorlltnodatiiits new and einertsino ￿0upS by wiy of providints rooms free of chuge, operating the Youth Club two nitrhts per week, the Homeworlc Club two afternoons a week and tlie Art Class ttvery Tuesday. Last but not least, our over flfties Coffee mon)ings eontinue to be a siiccess eaoh Monday morning and Ltteans that we comply fully to the aspiiztions set out by the Board of Dii'ectors. Page 2

Rathfern Community Regelleratiom Group Trustees, Report Ftnancial review The charity had an overall deficit of £31,233 in the year. Restricted reserves had bettn built up since Covid-19, with a lot of thest being iised during the year. The charity's principal SOUTces of fundinct soiinces of funding All the period were: - Antrim and Newtownabbey BoroiiJtt Council - National Lottwy Community Fund Children in Need Plans for future periods Aints ttpld key objectiV8gforfulureperiods AL%ain we had to en¢age with the Local Community Fund witli re08rds to a new application to cover tlit Youth Prod<r 2rnn]e and Staffing our Yoiith Workers Team for the next tbree years. After monLhs of engatsement and m8kinB the necessaiy chattges to the application we wer¢ notified 011 29th March 2023 that the appli¢a£ion for £260,840 was successful (bllt paid in instslments). Small comp%uies provision staten]ent Tliis report has been prepared in accord8nce with the small companies regime under the Coillpanies Act 2006. The annual report was approved by the trllstees of the Gharity on 19 May 2023 2nd signed on its behalf by". Mr GeoiE¢ Trnstee Page 3

Rathfern Commullity Regeneration Group Independent Examiner's Report to the trustees of Rathfern Colnmunity Regeneration Group ('the Company,) I report to the oharity trustees on iny examiiiation of the accounts of the Company foi. the year ended 31 March 2023. Responsibilities and basis of report As the cl1￿.1ty'S trnstees of ttie Company (and also its directois for the purposes of Company law) you &re I'esponsible foL' the prepaixtion of the accounts in accordance with di¢ requtrements of the Companies Act 2006 ('the 2006 Act,). Having satisfied inyself that the accounts of the Company are not required to be audited under Part 16 of the 2006 Act and are elitrible for indepeiident examinatioii, I Irport ili respect of my examination of YOUL charity's accounts as carried out under section 145 of the Ch&'ities Act 2011 ('the 2011 Act,). In carryiiig out my examii&ion I liave followed the Dirertions ttiven by tjie Ch￿Lty Cominission under section 145{5Mb) of the 2011 Act. Independent ex2miner's statement I have completed my ex8mirkation. I confirn] that no matters have comt to iny attention in conn¢ction with tlie exajnlliation trivin(y me cause to believe: accountinth recoi-ds were not kept in respect of RatlifeTll Cominunity Regeneration Group as required by section )86 of the 2006 Aci. or 2. the accoiints do not accord with those records. or 3. the accounts do not comply with the accA)Ulitillg requirements of section 396 of the 2006 Act other thali any requii"eLnent that the accounts give a 'true and fair view, whickn is not a matteT considered as part of an independent examination. or 4. the aceounts have not been prepared in accordance with ti)e methods and prii)ciple8 of the Statement of Rcc4)inmended Practice for accounting and reporting by charities [applieable to charities preparing thell. accounts in accordance with tbe Financial Reporting Standard applicable in the UK and Republic of IrelaLid (FRS 102)]. I bave no coiicerns and have come icross no other m8tters tn connection with the exaniination to which ￿tentIOn should be drawn ID this report in ordtr to enable a proper understanding of the accounts to be reaclied. rymi oad BallYcl￿e Co Anti-im BT39 9BG 19 May 2023 Page 4

Rathfern Community Regeneratioll Group Statement of FinancRal Aetivities for the Year Ended 31 March 2023 (Including Income and Expenditure Account and Statement of Total Reeoguised Gains 2nd Losses) Unrestricted funds Restricted funds Total 2023 Note Income 2nd Endowments froEll: Donatioiis and legacies Charitsble activities 103,753 103,753 25,703 Totsl income 25.703 103,753 129,456 Expenditure ory: Charitable activities (4,163) (156,526) (160,689) Total expenditure Net in¢omd(expenditsre) Net movement in funds Reconciliation of funds Total thLids brought forward Total funds ca￿led forward (4,163) (156,526 52,773 (160,689 21,540 31,233 21,540 (52,77J) (3l,2J3) 9,901 97,471 107,J72 15 31,441 44,698 Restricted funds Ullrestrieted funds Total 2022 Note Ineome and EndowmeJ)ts fi"orn: Donatio1￿ and legacies Charitsble activities 4,450 15,907 140,568 145,018 15,907 Total incotne 20,357 140,568 160,925 Expenditure on: Charitable activities (1,676) (1,676) 18,681 (90.735) (92,411) {92,411) 68,514 Total expenditure (90,735) Net income 49.833 Net movement in funds 18,681 49,833 6S,514 Reconciliation of funds Total funds brought foi'w&rd Total knds ¢aiTied forward (8,780) 9,901 38,858 15 97,471 107,372 All of the charity's activities derive from continutng operations during the above two periods. The fwids breakdown for 20?2 is shown in note 15. Tht notes on patses 7 to l5 form an intetsi'al p&t of tljese financAal statements.

Rathfern Community Regeneration Group (Registration number: N1660274) Balance Sheet as at 31 March 2023 2023 2022 Note Fixed assets Tanoible assets 12 17,771 Cui'rent assets Cash at bank &nd li) hand 13 42,016 {2,113) 92,165 Creditors: Amounts falliug due within one year 14 2,564 Net eui'rent assets 89,601 Tr4et assets 76,139 107,372 Funds of the charity: RestL1Cted income funds Restricted fvnds 44,698 97,471 Unrestrieted income funds Unrestricted funds 31,441 9,901 107,J72 Total funds 15 76,139 For the fiiianeial Ye￿ endiLig 3 1 March 2023 the charity was entitled to exemption froin audit under section 477 of the CompaRies Act 2006 relating to small companies. Directors, responsibilities.. The meinbers have not Tequired the charity to obt&in an audit of its accouiits for the year in question in accordance with section 476. and The directDi% acknowledge their responsibilities for Complying with the requirements of tlie Act with respect to aceounting records and tbe prepai2Éton of account5. These finall¢ial staten)ents have been prepared in accoi'dance with the special provisions r¢l2ting to companies subject to tlie small companies Tetsirne witl)Aii Part 15 of tlie Companies Act 2006. The finaiicial statements on paoes 5 to 15 were approved by the tr￿stee8, and authorised for Issue 011 19 May 2023 and signed on tlieii behalf by: Ina Bond Trustee eor Trustee H311 The notes on pages 7 to 15 fomi an integral part of tbese financial statem&nts. Page 6

Rathfern Community Regeneration Group Notes to the Financial Statements for the Year Ended 31 March 2023 I Charity status The Ch￿-Ity is IiLnited by guarantee, incorporated in Northerii Ireland, and consequently does not have shalt capital. Each of the trustees is liable to contributtt an amount not exceeding £1 towards the assets of the charity sn the event o'f liquidatLOn. The address of its reoistered office is- 43 Knockenagh Avenlle tlewtownabbey Co ALitsitn BT36 6BE Tliese financial statements were authorised for issue by the trugtees on 19 May 2023. 2 Aeeounting polieies Summary of sigxjifteant 2£eountinu policies A Trd key ateounting estimatÉg The Princip￿ account'ing policies applied in the preparation af these financial statements are set out below. These policies have been consistently applied to all tbe years piesented, unless otherwtse stated. Statement af eompllance The finarLcial statemeDts have been prepared in accordance with Accouiiting and Reporting by Charities: Statement of Recommended Practice (applicable to ch￿-ItieS preparing their accounts in accordance with the Financial Reporttng StandaTd applicable Èn the UK and Republic of Ireland (FRS 102)) (issued in October 2019) (Charities SORP (FRS 102)), the Financial Reporting Standard applicable in the UK aiid Republic of Ireland (FRS 102) and the Companies Act 2006. Basis of preparAtion Rathfern Community Regeneration Group meets th¢ definition 0£ a public benefit entity under FRS 102. Assets and liabibtieg al'e initially reco2nised at historical cost QT ts7ns&ction value unless otherwis¢ stated in the relevant accountin¢ policy notes. Going coneern The trustees considei. that theTe are no material iincertainties about the charity's ability to eontinue as a gointt concenj sjor any signkficant areas of uncertainty that affect the ¢2rrying valiie of assets held by tlie charity. Income and endowments All income is recoJised once the ch￿lty has entitlemeDt to the income, it is probable that the income will be Teceived and tkje amount of the in¢ome receivable can be measui'ed reliably. Donations and lesuci Donations are recognised when the charity has been i)otified in writing of both the amount and settlement date. In the event that a donation is subject to conditions that require a level of perfoTmanGÈ by the charity before the FLarity is entitled to the funds, tlie in¢ome is deferred and not recognised until either those Collditicins are fully me¢ or the fulfilment of those conditions is wliolly witliin the control of the cliarity atld it is probable that these conditions will be fulfilled in the repoiting period. Page 7

Rathfern Community Regeneration Group Notes to the Financial Statements for the Year Ended 31 March 2023 Grants rÉceivable Grants ￿'e recognised when the charity has an entitlement to the funds and any conditions linked to the grants have been iiiet. Where performance Conditions are attached to the gJ7nt and are yet to be rnet, the incorne is i-ecognised as a liability atid in¢luded on the balance sheet as defe￿ed income to be released. Expenditure All expenditure is recognised once there is a legal or constructive obligation to that expenditui'e, Lt is probable settlement is required and the amount can be measured reliably. All costs are allocat'ed to the applicable expenditure heading that aggregate siinilar costs to that category. Where costs cannot be directly attributed t() particular headings they have been allocated on a basis consistent Nyith tbe use of resources, with central gt&ff costs allocated on the basis of time spent, and depr¢ciation cliarges allocated oll the portion of the asset's use. Other support costs are 8llo¢ated based on the spread of staff Gosts. CliariÉdble aclivitias Cbaritable expenditure oomprists those costs incuiTed by the Gharity in tlie delivery of its activities and services for it8 beneficiaries. Lt includes both costs th&t Can be allocated direotly to such activities and those costs of an indirect natsre necessary to support them. Support tosts Support costs include central functions &nd have b¢¢n allocated to activity cost eategories on a basis con8lStent with the use of resources, for example, allocating property wsts by floor areas, oi per eapit4 stsff costs by the time spent and other costs by their usa the charity's Compli￿Ce with conststutional and ststutory requirements, includiiig audit, strateiyic management and trustees meetings and reimbursed expeiises. GoveAThmÈnt L¥r2nts Government orants art recoiFnised based on the ac¢nLal model and are measured at ttie fair v￿ue of the asset i'eceived or rettivable. Grants are cltÉssified as relatints eithei. to revenue or to assets. Grants relatints to revenue are recogi)ised in income ovei. the period in which the related costs are reeognised. arants relating to assets are i'ecognised over the expected useful life of the Isset. Where part of a itlating to an asset is def¢ire& it LS Teco<ynised as deferred incom¥. Taxation The charity is consid¢iEd to pass the tests set out in Paragrapli I Schedule 6 of the Finance Act 2010 and therefoi'e it meets die definition of a Ch￿'Itable company for UK COTporation tax purposes. Accordingly, dit charity is potentially exempt fi-om tsxation in respect of incoine or capitd (rains receivcd withtl) categories covei'ed by Chapter 3 Part I l of the Corporation Tax Act 2010 or Section 256 of the Taxation of Charge8ble Gains Act 1992, to the extent that such income or gal￿ ￿.8 applied ex¢lusively to charitable purposes. Tangible fIxed assets Individual fixed assets costing £0.00 or more are initially recorded at eosl less any subsequent accumulated depreciation and subsequent acoumulated llnpairment losses. Page 8

Rathfern Commllnity Regeneration Group Notes to the Financial Statements for the Year Ended 31 March 2023 Deprecigtion 2nd amortis8tion Depreciation is provided on t&ntyible fixed assets so as to writ¢ off the cost or valuation. less any estimated L'esidiial value, over their expected useful economic life as follows.. Casb and cash equivalents Casli and cash equivalents comprise cash on hand and ca]1 deposits, and other short-tenll highly liquid investments that are readily convertible to a known amount of casli and are subject to an iiisignificant rtsk of change An value. Trade creditors Trade Greditors are obligations to pay for goods or services that have been acquired in the ordinary course of business fi-om suppliers. Accounts payable are classified as current liabilities if the charity does not have an ui)conditional right, at the end of the reporting period, to defer Settlement of the creditor for at least twelve months after the reporting date. If there is an unconditional right to defer s¢Étlement for at least twelve months after the reporting date, tbey are presented as nOn-￿irrent liabilities. Ti?de creditors zre recognised Allltially at the transaction pr(ce and subsequently ineasured at amoitised cost usin<r th¢ effective intsrest method. Borrowings Inteiygt-bearing borrowiiiJo are initially Teeorded at f￿r value, net of transaction costs. Interest-beaiin borrowings are subsequently carried at amortised cost, the difference betweetL the proceeds, net of transaction costs, and the amount due on redemption being recotsnised as x charge Éo the Statement of Financial Activities ove¥ the period of tlie relevarnt boi'rowing. Interest expense is re¢o(ynised 017 the basis of the effecttve iiiterest rnetliod and is included in interest payable and similtw cbar<yes. Borrowings are classified as current liabilitieg unless the charÈty has unconditxonal right to defer settlement of the liability for ￿ le8St twelve moiiths after the reportin45 date. Page 9

Rathfern Community Regeueration Group Notes to the Financial Statements for the Year Ended 31 March 2023 Foreion exehange Transactions in foreign currencies are recoided at the rdte of exchange xt the date of the tr￿]Saction. Monetary assets and liabilities denominated in foreign currencies at the balance sheet date are reported at tha rates of exchange prevailing it that date. The results of overseas operations are translated zt the average Tat'es of exchange dui-intr the period and their balance sheets at tELe l'ates ruling at the balance sheet date. Exchange differences arisino on translation of the openin¢y net assets and results of overseas opei?ttons 2re reported in other comprehensive incoine and ancumulated in equity (attributed to non-controlling interests as appropriatt). Other exchange dlfferences are recoJ(T ised in the Statement of Financial Aotivities in the period in which they arise except for.. l) exch&noe di'ffei'ences on trans8Ctions entered into to hedge certain foreign curiency risks (see above). 2) exchange differe33ttes arising on g￿n$ or losses on non-lnonetary items wl)ich are recotsr)ised itt other comprehensive income. 3) in the case of the consolidated financial statements, exchange differences on Inonetsry iterns receivable from or payable to a foreign operation for which settlement is ryeither planned r]or likely to occur (therefore fomiing part of the net investn]ent in the foreign operatioii), which are re¢otsJLised in other compi'ehensive income and reported under equity. Fund structure Unrestricted income funds are genernl fLmds that are available foi. use at the tmstecs discretion in furtherance of the objectives of the ¢￿￿-lty. Restricted income funds are those donated for use in a particular area OT for specific purposes, the use of which is restricted to that area or pui"pose. Pensions and other post retirement obligatioDS The charity operates a defined contribution pension scheme which is a pension plan under which fixed coJJtributions are paid into a pension fund and the charity has no leg￿ or Col￿tructIve obligation to pay further contributions even if the ￿nd does not hold sufficient assets to pay all employees tlie benefits re2ating to ployee service in the current and prior periods. Conliibutions to defined contribution plans are i'ecognised in tlie St2tsment of Financial Activities when they are due. If contt'ibution payments exceed tlie contribution due for servlce, the ex¢ess is recognised as a prepaymeni. 3 Income from donations and leqaeie5 Unrestritted funds General Restyieted funds Total funds Grants, including eapitsl grants. Governmelit grants 103,753 103,753 Total for 2023 103,753 103,753 Total for 2022 4,450 140,568 145,018 Page 10

Rathfern Community Regenerdtion Croup Notes to the Financial Statements for the Year Ended 31 March 2023 4 Ineome from eh#ritable aetivities Unrestrieted fund$ General Total funds Rerrt from use of centre 25,703 Total for 2023 25.703 Totsl for 2022 15,907 15,907 S Expenditure on charitablÈ aetivities Unrestricted funds General Rests"ieted funds Total funds Charitable Activities Allocated Support Costs Staff Costs 86,284 15,269 86,284 19,432 4,163 Total for 2023 4,163 154,888 159,051 Total for 2022 1,676 90,735 92,411 Ill addition to the expenditure analysed above, there w-e also governance eOAts of £1,638 (2022 - £1,560) which relale dii-ectly to chaLtt&bSe activities. See note 6 for furttker details. 6 Analysis of govern2nee and support costs Governance costs RestrÉel'ed funds Total funds Indeptndent examiner fees ExaminatlOLI of the financial statements 1,638 1,638 Tolal for 2023 1,638 Total for 2022 I,)60 1,560 Pagell

Rathfern Community Regeneration Group Notes to the Financial Statexnents for the Year Ended 31 March 2023 7 Net lncominrylo￿tg0lng resollrc Net (outgoing)/incoJning resoui'ces for the year incliide: 2023 2022 Operating leases - plant and machineiy Depreciation of fixed assets 716 4,740 732 2,997 8 Trustees remuneration and expenses No trustees, iior any persons connected witE) them, have received any remunetation from the ¢h&rity dlirints tlie No trwttes have received any reimbllrsed expenses or any other benefits froin the charity during the year. 9 Staff costs The af¥gregale payroll costs were as follows: 2023 2022 Staff costs duiiug the year weve: Waoes and salaries Pension Costs 52,867 468 41,497 53,335 42,100 Tlie monthly aver2tse niiinbeT of persons (incluaints seDiQT management / leaderslup team) employed by die ¢barity duiing the year expressed as full tinie equivalents was as follows: 2023 2022 '0 Number of staff - Proje¢tS Nuinber of staff - Preinises No employee received emoluments of more th80 £60.000 during the y¢ar. 10 Independent examiner's remuner*tion 2023 2022 Exatnination of the financial Stat￿￿ents 1,638 1,560 Page 12

Rathferll Community Regeneration Group Notes to the Financial St2tements for the Year Ended 31 March 2023 11 Taxation The charity is a re<YiStered charity and is therefoi'e exempt fiDm tsxation. 12 Txnojble fixed 2ssets riurniture and equipment Computer equipment Total Cost At l April 2022 Additioiis 2,450 23,205 2,363 4,813 At 31 m.arch 2023 25,655 2,363 28,018 Depreciation At l April 2022 Cha'(Ke foT the year 2,209 4,215 788 525 2.997 4,740 At 31 March 2023 6,424 Net book vAIuè At 31 Mai'ch 2023 1,050 20,281 At 3 l M￿h 2022 241 1,575 1,816 13 Cash and cash equiv8lents 2023 2022 Casli on hand Cash at bank 215 41,801 42,016 215 92,165 14 Creditors: amounts falling due within one year 2023 2022 Tradt cred£tors Other taxation and social security Acci￿21S 1,367 (905) 1,651 913 1,651 2,564 PLtye 13

Rathfern Community Regeneration Grollp Notes to the Fillancial Statements for the Year Ended 31 March 2023 15 Funds B*lance at I April 2022 Incoming resources Resourc¢s expended Balxnce at 31 March 2023 Unrestricted funds General 9,901 25.703 (4,163) (156,526) il,441 Restricted funds 97,471 103.753 44,698 Tol'al ftknds 107,372 129,456 (160,689 76,139 B21Ance at I April 2021 Incoming resourees Resources expended BalAnce at 31 M&reb 2022 Unrestrieted funds General (8,780) 47,638 20.357 (1,676) (90,73J} 9,901 RestrKcted funds 140,568 97,471 Totsl funds 160,925 (92,411) 107.)72 Page 14

Rathfern Community Regeneration Group Notes to the Financial Statements for the Year Ended 31 March 2023 16 Analysis of net assets between funds Ulli'o%tricted fullds Gener21 Total fullds at 31 March 2023 Restricted nds Tangible fixed assets Current assets Current liabilities 2,428 (41.096) {2,113 40,781) 33.808 83,IL2 36,236 42,016 (2,11.3) Total net assets 116,920 Unrestrieted funds General TotaI funds at 31 M%rch 2022 Rdsti'icted funds Tangibl¢ fixed assets Cui'rent assets Current liabilities 3,412 9,053 (2,i64) 9,901 14,359 83,112 17,771 92,165 (2,564 Totsl tLet assets 97,471 107,372 Page IS