Specter Co. combines cash and cash equivalents on the balance sheet. Using the following information, determine the amount reported on the year-end balance sheet for cash and cash equivalents.

• $21,000 cash deposit in checking account.
• $56,000 bond investment due in 20 years.
• $14,000 U.S. Treasury bill due in 1 month.
• $1,100, 3-year loan to an employee.
• $4,600 of currency and coins.
• $1,400 of accounts receivable.