Friends of the Riverfront

Connect to Something Greater

Pittsburgh, PA | https://www.friendsoftheriverfront.org

GuideStar Charity Check

EIN: 25-1655056

Contributions tax deductible
as of November 2023

IRS BMF 509(a)(1)
as of November 13, 2023

View summary

Charity Check report

Mission

Friends of the Riverfront develops and maintains safe, clean, and accessible riverfront trails as part of the Three Rivers Heritage Trail and Water Trail systems to create and maintain an outstanding experience for trail users while providing economic, environmental and health benefits to the Pittsburgh region.

Ruling year info

1991

Executive Director

Ms. Kelsey Ripper

Main address

100 Hafner Avenue

Pittsburgh, PA 15223 USA

Show more contact info

EIN

25-1655056

Subject area info

Environment

Land resources

Economic development

Community beautification

Sports and recreation

Population served info

Adults

Families

NTEE code info

Land Resources Conservation (C34)

Alliance/Advocacy Organizations (N01)

Economic Development (S30)

IRS subsection

501(c)(3) Public Charity

IRS filing requirement

This organization is required to file an IRS Form 990 or 990-EZ.

Tax forms

Show Forms 990

Communication

Affiliations

See related organizations info

Programs and results

Reports and documents

What we aim to solve

This profile needs more info.

If it is your nonprofit, add a problem overview.

Our programs

SOURCE: Self-reported by organization

What are the organization's current programs, how do they measure success, and who do the programs serve?

Land Trail Development

As a founding project, Friends of the Riverfront is dedicated to the continued expansion of the Three Rivers Heritage Trail. Traditionally, our role has been largely focused on the development and stewardship of trails within the Allegheny County, and we have been extremely successful in these endeavors. Now we seek to build on this success by expanding the Three Rivers Heritage Trail outward to include riverfront trail development and acquisition of critical right of ways along our region's riverfronts.

Population(s) Served

Adults

Families

Water Trail Development

The Three Rivers Water Trail is a system of non-motorized access points that offer easy access to and from the rivers. The access points include informative signage and canoe/kayak racks. Friends of the Riverfront will continue to develop the Three Rivers Water Trail System, which began with the Allegheny River and is now expanding to include the Monongahela and Ohio Rivers. Friends of the Riverfront works in conjunction with community leaders, river users and government officials to scout for potential access sites, parking areas and hazards. We then install non-motorized boat racks, place informative signage to be seen from land and water and create, circulate and update maps for users of the water trail landing sites.

Population(s) Served

Adults

Families

Volunteer Stewardship

Riverfronts Naturally is a program working to restore native vegetation to areas adjoining the Three Rivers Heritage Trail, desolate Brownfield areas and other public spaces. The Three Rivers Heritage Trail has established public access to the rivers, and is creating an opportunity to improve and showcase the ecological health of our riparian environment. Aided by Friends of the Riverfront's Trail Care Handbook we have a clear road map to engaging volunteers in meaningful stewardship of our riverfronts and trail related amenities.

Population(s) Served

Adults

Families

Where we work

External reviews

Photos

Financials

Friends of the Riverfront

Fiscal year: Jul 01 - Jun 30

Financial documents

Yes, financials were audited by an independent accountant.

Revenue vs. expenses: breakdown

SOURCE: IRS Form 990

NET GAIN/LOSS: in

Note: When component data are not available, the graph displays the total Revenue and/or Expense values.

Liquidity in 2022

SOURCE: IRS Form 990

123.71

Average of 27.11 over 10 years

Months of cash in 2022

SOURCE: IRS Form 990

17.9

Average of 8.2 over 10 years

Fringe rate in 2022

SOURCE: IRS Form 990

13%

Average of 16% over 10 years

Funding sources

Source: IRS Form 990

Assets & liabilities

Source: IRS Form 990

Financial data

SOURCE: IRS Form 990

Digitizing IRS form 990 data

Friends of the Riverfront

Revenue & expenses

Fiscal Year: Jul 01 - Jun 30

SOURCE: IRS Form 990 info

Fiscal year ending: Download Data

Revenue
Contributions	$191,166
Program Services	$84,913
Investments	$1,246
Special Events	$0
Sales	$0
Other	$15,158
Total Revenue	$292,483

Expenses
Grants	$0
Salaries & Employee Benefits	$62,195
Professional Fees	$125,253
Occupancy	$22,191
Printing, Publications, Postage, etc.	$30,064
Other Expenses	$41,139
Total Expenses	$280,842
Net Gain/Loss	$11,641

Revenue
Contributions	$269,848
Program Services	$83,460
Investments	$1,362
Special Events	$0
Sales	$0
Other	$15,523
Total Revenue	$370,193

Expenses
Grants	$0
Salaries & Employee Benefits	$71,247
Professional Fees	$161,643
Occupancy	$22,214
Printing, Publications, Postage, etc.	$48,983
Other Expenses	$42,215
Total Expenses	$346,302
Net Gain/Loss	$23,891

Revenue
Contributions	$602,671
Government Grants	$83,000
Program Services	$91,665
Investments	$934
Special Events	$0
Sales	$0
Other	$19,153
Total Revenue	$797,423

Expenses
Program Services	$373,682
Administration	$58,155
Fundraising	$16,280
Total Expenses	$448,117
Net Gain/Loss	$349,306

Functional expenses
Accounting Fees	$15,572
Advertising & Promotion	$18,136
Information Technology Expenses	$0
Insurance Expenses	$0
Interest Expenses	$256
Investment Management Fees	$0
Legal Fees	$0
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$3,154,760
Government Grants	$275,374
Program Services	$126,138
Investments	$118,986
Special Events	$0
Sales	$0
Other	$18,910
Total Revenue	$3,694,168

Expenses
Program Services	$1,814,445
Administration	$92,736
Fundraising	$18,548
Total Expenses	$1,925,729
Net Gain/Loss	$1,768,439

Functional expenses
Accounting Fees	$23,732
Advertising & Promotion	$38,886
Information Technology Expenses	$0
Insurance Expenses	$0
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$0
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$807,482
Government Grants	$48,000
Program Services	$152,579
Investments	$120,596
Special Events	$0
Sales	$0
Other	$14,840
Total Revenue	$1,143,497

Expenses
Program Services	$1,378,320
Administration	$82,065
Fundraising	$20,078
Total Expenses	$1,480,463
Net Gain/Loss	($336,966)

Functional expenses
Accounting Fees	$16,844
Advertising & Promotion	$37,490
Information Technology Expenses	$0
Insurance Expenses	$0
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$0
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$384,776
Government Grants	$13,500
Program Services	$145,076
Investments	$19,545
Special Events	$0
Sales	$0
Other	$18,885
Total Revenue	$581,782

Expenses
Program Services	$2,223,062
Administration	$80,352
Fundraising	$19,798
Total Expenses	$2,323,212
Net Gain/Loss	($1,741,430)

Functional expenses
Accounting Fees	$17,383
Advertising & Promotion	$29,937
Information Technology Expenses	$0
Insurance Expenses	$0
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$13,463
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$259,951
Government Grants	$2,500
Program Services	$113,272
Investments	$327
Special Events	$0
Sales	$0
Other	$16,444
Total Revenue	$392,494

Expenses
Program Services	$367,054
Administration	$96,066
Fundraising	$16,860
Total Expenses	$479,980
Net Gain/Loss	($87,486)

Functional expenses
Accounting Fees	$17,816
Advertising & Promotion	$19,989
Information Technology Expenses	$0
Insurance Expenses	$0
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$14,308
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$304,844
Government Grants	$8,750
Program Services	$82,342
Investments	$119
Special Events	$0
Sales	$0
Other	$17,534
Total Revenue	$413,589

Expenses
Program Services	$366,931
Administration	$67,708
Fundraising	$26,327
Total Expenses	$460,966
Net Gain/Loss	($47,377)

Functional expenses
Accounting Fees	$17,377
Advertising & Promotion	$57,034
Information Technology Expenses	$0
Insurance Expenses	$0
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$4,073
Pension Plan Contributions	$2,062
Professional Fundraising Expenses	$0

Revenue
Contributions	$385,113
Government Grants	$98,618
Program Services	$10,352
Investments	$116
Special Events	$0
Sales	$0
Other	$6,757
Total Revenue	$500,956

Expenses
Program Services	$360,548
Administration	$83,377
Fundraising	$26,287
Total Expenses	$470,212
Net Gain/Loss	$30,744

Functional expenses
Accounting Fees	$16,536
Advertising & Promotion	$46,130
Information Technology Expenses	$0
Insurance Expenses	$0
Interest Expenses	$700
Investment Management Fees	$0
Legal Fees	$10,489
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$226,076
Government Grants	$0
Program Services	$7,763
Investments	$211
Special Events	$0
Sales	$0
Other	$0
Total Revenue	$234,050

Expenses
Program Services	$157,419
Administration	$42,839
Fundraising	$10,456
Total Expenses	$210,714
Net Gain/Loss	$23,336

Functional expenses
Accounting Fees	$10,892
Advertising & Promotion	$14,851
Information Technology Expenses	$0
Insurance Expenses	$0
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$2,102
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$303,227
Government Grants	$0
Program Services	$21,051
Investments	$1,473
Special Events	$0
Sales	$0
Other	$151
Total Revenue	$325,902

Expenses
Program Services	$210,481
Administration	$63,909
Fundraising	$17,712
Total Expenses	$292,102
Net Gain/Loss	$33,800

Functional expenses
Accounting Fees	$15,588
Advertising & Promotion	$24,775
Information Technology Expenses	$0
Insurance Expenses	$0
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$2,467
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$575,640
Government Grants	$0
Program Services	$36,817
Investments	$1,204
Special Events	$0
Sales	$0
Other	$146
Total Revenue	$613,807

Expenses
Program Services	$296,951
Administration	$79,183
Fundraising	$19,797
Total Expenses	$395,931
Net Gain/Loss	$217,876

Functional expenses
Accounting Fees	$15,412
Advertising & Promotion	$31,807
Information Technology Expenses	$0
Insurance Expenses	$7,277
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$9,921
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$494,638
Government Grants	$0
Program Services	$49,651
Investments	$519
Special Events	$0
Sales	$0
Other	$19,461
Total Revenue	$564,269

Expenses
Program Services	$316,212
Administration	$87,953
Fundraising	$21,083
Total Expenses	$425,248
Net Gain/Loss	$139,021

Functional expenses
Accounting Fees	$15,615
Advertising & Promotion	$5,091
Information Technology Expenses	$0
Insurance Expenses	$7,901
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$70
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$657,550
Government Grants	$0
Program Services	$68,453
Investments	$708
Special Events	$0
Sales	$0
Other	$0
Total Revenue	$726,711

Expenses
Program Services	$375,037
Administration	$103,639
Fundraising	$25,001
Total Expenses	$503,677
Net Gain/Loss	$223,034

Functional expenses
Accounting Fees	$17,537
Advertising & Promotion	$1,866
Information Technology Expenses	$0
Insurance Expenses	$7,821
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$0
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Friends of the Riverfront

Balance sheet

Fiscal Year: Jul 01 - Jun 30

SOURCE: IRS Form 990 info

The balance sheet gives a snapshot of the financial health of an organization at a particular point in time. An organization's total assets should generally exceed its total liabilities, or it cannot survive long, but the types of assets and liabilities must also be considered. For instance, an organization's current assets (cash, receivables, securities, etc.) should be sufficient to cover its current liabilities (payables, deferred revenue, current year loan, and note payments). Otherwise, the organization may face solvency problems. On the other hand, an organization whose cash and equivalents greatly exceed its current liabilities might not be putting its money to best use.

Fiscal year ending: Download Data

Assets	Jul 01, 2008	Jun 30, 2009	Change
Contributions	$191,166
Cash & Equivalents	$71,367	$172,702	$101,335
Fixed Assets (LBE - Depreciation)	$85,000	$85,000	$0
Other	$114,333	$24,594	($89,739)
Total Assets	$270,700	$282,296	$11,596

Liabilities	Jul 01, 2008	Jun 30, 2009	Change
Total Liabilities	$2,232	$2,187	($45)

Fund balance	Jul 01, 2008	Jun 30, 2009	Change
Net Assets	$268,468	$280,109	$11,641

Assets	Jul 01, 2009	Jun 30, 2010	Change
Contributions	$269,848
Cash & Equivalents	$172,702	$304,647	$131,945
Fixed Assets (LBE - Depreciation)	$85,000	$85,000	$0
Other	$24,594	$11,636	($12,958)
Total Assets	$282,296	$401,283	$118,987

Liabilities	Jul 01, 2009	Jun 30, 2010	Change
Total Liabilities	$2,187	$97,283	$95,096

Fund balance	Jul 01, 2009	Jun 30, 2010	Change
Net Assets	$280,109	$304,000	$23,891

Assets	Jul 01, 2010	Jun 30, 2011	Change
Contributions	$602,671
Cash & Equivalents	$304,647	$563,097	$258,450
Accounts Receivable	$1,868	$775	($1,093)
Pledges & Grants Receivable	$6,705	$17,500	$10,795
Receivable, Other	$0	$0	$0
Inventories for Sale or Use	$0	$0	$0
Investment, Securities	$0	$0	$0
Investment, Other	$0	$0	$0
Fixed Assets (LBE - Depreciation)	$85,000	$85,000	$0
Other	$3,063	$3,201	$138
Total Assets	$401,283	$669,573	$268,290

Liabilities	Jul 01, 2010	Jun 30, 2011	Change
Accounts Payable	$27,283	$16,267	($11,016)
Grants Payable	$0	$0	$0
Deferred Revenue	$0	$0	$0
Loans and Notes	$70,000	$0	($70,000)
Tax-Exempt Bond Liabilities	$0	$0	$0
Other	$0	$0	$0
Total Liabilities	$97,283	$16,267	($81,016)

Fund balance	Jul 01, 2010	Jun 30, 2011	Change
Temporarily Restricted Net Assets	$124,160	$494,630	$370,470
Permanently Restricted Net Assets	$0	$0	$0
Total Restricted Net Assets	$124,160	$494,630	$370,470
Unrestricted Net Assets	$179,840	$158,676	($21,164)
Net Assets	$304,000	$653,306	$349,306

Assets	Jul 01, 2011	Jun 30, 2012	Change
Contributions	$3,154,760
Cash & Equivalents	$563,097	$907,830	$344,733
Accounts Receivable	$775	$87,777	$87,002
Pledges & Grants Receivable	$17,500	$0	($17,500)
Receivable, Other	$0	$0	$0
Inventories for Sale or Use	$0	$0	$0
Investment, Securities	$0	$0	$0
Investment, Other	$0	$0	$0
Fixed Assets (LBE - Depreciation)	$85,000	$1,794,711	$1,709,711
Other	$3,201	$4,327	$1,126
Total Assets	$669,573	$2,794,645	$2,125,072

Friends of the Riverfront

Financial trends analysis Glossary & formula definitions

Fiscal Year: Jul 01 - Jun 30

SOURCE: IRS Form 990 info

This snapshot of Friends of the Riverfront’s financial trends applies Nonprofit Finance Fund® analysis to data hosted by GuideStar. While it highlights the data that matter most, remember that context is key – numbers only tell part of any story.

Created in partnership with

Fiscal year: Jul 01 - Jun 30 View full report Download data

Business model indicators

Profitability	2018	2019	2020	2021	2022
Unrestricted surplus (deficit) before depreciation	$102,336	$38,304	$28,958	$328,358	$273,885
As % of expenses	48.6%	13.1%	7.3%	77.9%	54.8%
Unrestricted surplus (deficit) after depreciation	$102,336	$38,304	$28,958	$324,728	$270,255
As % of expenses	48.6%	13.1%	7.3%	76.4%	53.7%

Revenue composition
Total revenue (unrestricted & restricted)	$234,050	$325,902	$613,807	$564,269	$726,711
Total revenue, % change over prior year	-53.3%	39.2%	88.3%	-8.1%	28.8%
Program services revenue	3.3%	6.5%	6.0%	8.8%	9.4%
Membership dues	0.0%	0.0%	0.0%	0.0%	0.0%
Investment income	0.1%	0.5%	0.2%	0.1%	0.1%
Government grants	0.0%	0.0%	0.0%	0.0%	0.0%
All other grants and contributions	96.6%	93.0%	93.8%	87.7%	90.5%
Other revenue	0.0%	0.0%	0.0%	3.4%	0.0%

Expense composition
Total expenses before depreciation	$210,714	$292,102	$395,931	$421,618	$500,047
Total expenses, % change over prior year	-55.1%	38.6%	35.5%	6.5%	18.6%
Personnel	48.2%	61.3%	69.2%	67.6%	63.6%
Professional fees	30.4%	16.2%	8.8%	20.0%	21.5%
Occupancy	8.9%	6.1%	3.7%	3.7%	3.0%
Interest	0.0%	0.0%	0.0%	0.0%	0.0%
Pass-through	0.0%	0.0%	0.0%	0.0%	0.0%
All other expenses	12.6%	16.4%	18.3%	8.7%	11.9%

Full cost components (estimated)	2018	2019	2020	2021	2022
Total expenses (after depreciation)	$210,714	$292,102	$395,931	$425,248	$503,677
One month of savings	$17,560	$24,342	$32,994	$35,135	$41,671
Debt principal payment	$0	$0	$0	$0	$55,227
Fixed asset additions	$0	$0	$0	$18,150	$0
Total full costs (estimated)	$228,274	$316,444	$428,925	$478,533	$600,575

Capital structure indicators

Liquidity	2018	2019	2020	2021	2022
Months of cash	9.8	8.5	13.1	17.1	17.9
Months of cash and investments	10.0	8.7	13.3	17.2	18.1
Months of estimated liquid unrestricted net assets	4.7	4.9	4.5	13.1	17.6

Balance sheet composition	2018	2019	2020	2021	2022
Cash	$172,597	$207,916	$433,774	$601,348	$745,550
Investments	$2,476	$4,093	$4,093	$4,093	$7,994
Receivables	$0	$0	$30,000	$10,600	$31,815
Gross land, buildings, equipment (LBE)	$95,500	$95,500	$95,500	$113,650	$113,650
Accumulated depreciation (as a % of LBE)	11.0%	11.0%	11.0%	12.4%	15.6%
Liabilities (as a % of assets)	1.4%	2.2%	8.1%	9.6%	0.7%
Unrestricted net assets	$166,734	$205,038	$233,996	$558,724	$828,979
Temporarily restricted net assets	$94,671	$90,167	N/A	N/A	N/A
Permanently restricted net assets	$0	$0	N/A	N/A	N/A
Total restricted net assets	$94,671	$90,167	$279,085	$93,378	$50,000
Total net assets	$261,405	$295,205	$513,081	$652,102	$878,979

Key data checks

Key data checks	2018	2019	2020	2021	2022
Material data errors	No	No	No	No	No

Operations

The people, governance practices, and partners that make the organization tick.

Documents

Letter of Determination

Form 1023/1024 is not available for this organization

Executive Director

Ms. Kelsey Ripper

LinkedIn profile

After growing up riding her bike on the trails and rowing the rivers of Pittsburgh, Kelsey lived and worked in New York City as a nonprofit manager and then as a nonprofit and economic development attorney. Her first introduction to Friends of the Riverfront was as a board member and volunteer. Before joining Friends as Executive Director, Kelsey was the Director of the Microenterprise Project at Volunteers of Legal Service (VOLS), an economic development program that provides free legal assistance to under-resourced small businesses and nonprofit organizations. Prior to working at VOLS, Kelsey was an Equal Justice Works Fellow at Lawyers Alliance for New York where she designed and implemented a program to provide legal services to nonprofit clients addressing food security. Kelsey has a J.D. from Fordham Law School and a B.A. in Environmental Studies and American Studies from Fordham University. She continues to hike, bike, and row along Pittsburgh's rivers.

Number of employees

Source: IRS Form 990

Friends of the Riverfront

Officers, directors, trustees, and key employees

SOURCE: IRS Form 990

Compensation

Other

Show data for fiscal year

Compensation data

Download up to 5 most recent years of officer and director compensation data for this organization

There are no highest paid employees recorded for this organization.

Friends of the Riverfront

Board of directors
as of 11/28/2023

SOURCE: Self-reported by organization

Board of directors data

Download the most recent year of board of directors data for this organization

Board chair

Mr. Durwood Hill

Stacey Vernallis

Emeritus

Durwood Hill

Tom Demagall

Golden Triangle Bike Rental

Jeanne K. Clark

Alcosan

Samantha Hartzman

Duquesne Light

Christopher Hetz

PNC

Anna Tang

Bicycle League of America

Lauren Burge

Eckert Seamans

Doug Clark

Civil & Environmental Consultants

Will Simpson

Simpson McCrady

Angela Martinez

City of Pittsburgh

Board leadership practices

SOURCE: Self-reported by organization

GuideStar worked with BoardSource, the national leader in nonprofit board leadership and governance, to create this section.

Board orientation and education
Does the board conduct a formal orientation for new board members and require all board members to sign a written agreement regarding their roles, responsibilities, and expectations? Yes
CEO oversight
Has the board conducted a formal, written assessment of the chief executive within the past year ? Yes
Ethics and transparency
Have the board and senior staff reviewed the conflict-of-interest policy and completed and signed disclosure statements in the past year? Yes
Board composition
Does the board ensure an inclusive board member recruitment process that results in diversity of thought and leadership? Yes
Board performance
Has the board conducted a formal, written self-assessment of its performance within the past three years? Yes

Organizational demographics

SOURCE: Self-reported; last updated 9/15/2022

Candid has made improvements to the race and ethnicity options.

Who works and leads organizations that serve our diverse communities? Candid partnered with CHANGE Philanthropy on this demographic section.

Leadership

The organization's leader identifies as:

Race & ethnicity

White/Caucasian/European

Gender identity

Female, Not transgender (cisgender)

Sexual orientation

Heterosexual or straight

Disability status

Person without a disability

Race & ethnicity

No data

Gender identity

No data

Sexual orientation

No data

Disability

No data

Related organizations & associated domestic grants

Show data for fiscal year

Friends of the Riverfront

Connect to Something Greater

Mission

Is this your nonprofit?

Programs and results

Reports and documents

What we aim to solve

This profile needs more info.

Our programs

Land Trail Development

Water Trail Development

Volunteer Stewardship

Where we work

Our Sustainable Development Goals

Goals & Strategy

Reports and documents

Financials

Financial documents

Revenue vs. expenses: breakdown

Liquidity in 2022 info

123.71

Months of cash in 2022 info

17.9

Fringe rate in 2022 info

13%

Funding sources info

Assets & liabilities info

Financial data

Digitizing IRS form 990 data

Friends of the Riverfront

Friends of the Riverfront

Friends of the Riverfront

Business model indicators

Capital structure indicators

Key data checks

Operations

Documents

Executive Director

Ms. Kelsey Ripper

Number of employees

Friends of the Riverfront

Compensation data

Friends of the Riverfront

Board of directors data

Mr. Durwood Hill

Board leadership practices

Board orientation and education

CEO oversight

Ethics and transparency

Board composition

Board performance

Organizational demographics

Leadership

Race & ethnicity

Gender identity

Sexual orientation

Disability

Related organizations & associated domestic grants

Liquidity in 2022

Months of cash in 2022

Fringe rate in 2022

Funding sources

Assets & liabilities