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Default CONCATENATE zeros

I am trying to calculate only change and not dollars and then see if
the change balances...

This works….

K6 = 4
Q:12 sum(A1:A12) - this yields $10.40
Q13 =CONCATENATE(RIGHT(Q12,1)) - this yields the 4
Q14 =IF(K6<Q13,"Balance","Out") this yields Balance

BUT

This does not with whole numbers…
K6 = 0
Q:12 sum(A1:A12) - this yields $16.00
Q13 =CONCATENATE(RIGHT(Q12,1)) - this yields the 6
Q14 =IF(K6<Q13,"Balance","Out") this yields Out where it should
balance as there are no cents.


It seems that Excel does not seeing zero cents and thus jumps a
decimal place.

Any help anyone could give me would be greatly appreciated!

 
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