Civic Intelligence

Mainestream Finance

990 • Fiscal year 2013 • EIN 01-0539222

Oct 01, 2012 to Sep 30, 2013 • Filed on Aug 13, 2014

Organization Profilewww.mainestreamfinance.org
PO Box 1162Bangor, ME 04402-1162
Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

85th percentile

0.72x

Higher debt load relative to assets than 85% of similar nonprofits.

2013 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

92nd percentile

3.31x

Higher debt load relative to revenue than 92% of similar nonprofits.

2013 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2013

Net Margin

89th percentile

44%

Higher net margin than 89% of similar nonprofits.

2013 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2013

Asset Growth

87th percentile

29%

Faster asset growth than 87% of similar nonprofits.

2013 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets85th percentile

Assets

Up

$4,975,379

Up $1,124,691 (+29%) from 2012

Net Assets

Up

$1,406,159

Up $475,006 (+51%) from 2012

Liabilities

Up

$3,569,220

Up $649,685 (+22%) from 2012

Revenue And Expenses
Liabilities / Revenue92nd percentileNet Margin89th percentile

Revenue

$1,077,215

No earlier filing loaded for comparison.

Expenses

Up

$602,209

Up $128,078 (+27%) from 2012

Net Income

$475,006

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth87th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $2,411,851Liabilities 2010: $1,361,527Net Assets 2010: $1,050,3242010Assets 2011: $2,898,088Liabilities 2011: $1,943,469Net Assets 2011: $954,6192011Assets 2012: $3,850,688Liabilities 2012: $2,919,535Net Assets 2012: $931,1532012Assets 2013: $4,975,379Liabilities 2013: $3,569,220Net Assets 2013: $1,406,1592013Assets 2014: $6,171,100Liabilities 2014: $4,546,385Net Assets 2014: $1,624,7152014Assets 2015: $7,482,330Liabilities 2015: $5,770,041Net Assets 2015: $1,712,2892015Assets 2016: $6,678,912Liabilities 2016: $5,172,023Net Assets 2016: $1,506,8892016Assets 2017: $5,511,379Liabilities 2017: $4,142,989Net Assets 2017: $1,368,3902017Assets 2018: $5,438,648Liabilities 2018: $4,163,945Net Assets 2018: $1,274,7032018Assets 2019: $5,815,024Liabilities 2019: $4,714,110Net Assets 2019: $1,100,9142019Assets 2020: $5,933,338Liabilities 2020: $4,787,173Net Assets 2020: $1,146,1652020Assets 2021: $6,924,505Liabilities 2021: $4,888,459Net Assets 2021: $2,036,0462021Assets 2022: $6,730,189Liabilities 2022: $3,895,092Net Assets 2022: $2,835,0972022Assets 2023: $6,908,881Liabilities 2023: $4,172,612Net Assets 2023: $2,736,2692023Assets 2024: $7,474,375Liabilities 2024: $4,629,798Net Assets 2024: $2,844,5772024

Highlighted filing

2013

Assets$4,975,379
Liabilities$3,569,220
Net Assets$1,406,159
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $314,2802010Expenses 2011: $548,9462011Expenses 2012: $474,1312012Revenue 2013: $1,077,215Expenses 2013: $602,209Net Income 2013: $475,0062013Revenue 2014: $1,181,716Expenses 2014: $963,160Net Income 2014: $218,5562014Revenue 2015: $892,280Expenses 2015: $804,706Net Income 2015: $87,5742015Revenue 2016: $753,799Expenses 2016: $959,199Net Income 2016: -$205,4002016Revenue 2017: $661,099Expenses 2017: $799,598Net Income 2017: -$138,4992017Revenue 2018: $805,718Expenses 2018: $899,406Net Income 2018: -$93,6882018Revenue 2019: $683,490Expenses 2019: $857,279Net Income 2019: -$173,7892019Revenue 2020: $659,119Expenses 2020: $613,868Net Income 2020: $45,2512020Revenue 2021: $1,591,851Expenses 2021: $701,970Net Income 2021: $889,8812021Revenue 2022: $1,442,234Expenses 2022: $643,183Net Income 2022: $799,0512022Revenue 2023: $484,821Expenses 2023: $583,649Net Income 2023: -$98,8282023Revenue 2024: $615,035Expenses 2024: $506,727Net Income 2024: $108,3082024

Highlighted filing

2013

Revenue$1,077,215
Expenses$602,209
Net Income$475,006
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Oct 1, 2012 to Sep 30, 2013
Signed
Aug 13, 2014
Return Version
2012v2.1
Gross Receipts
$1,077,215
Mission and Program Overview

Mission

To promote community development and perform all functions permitted as community development financial institution, primarily through financing activities servicing the low income targeted population of the state of Maine.

Major Activities

Activity 2
FORECLOSURE PREVENTION: Foreclosure prevention counseling is offered to help individuals prepare a plan that will assist them to retain their homes. Counseling includes: how to deal with the lender, letters to and from lenders and how to act on them, as well as various methods to suggest to lenders to rectify any mortgage arrears, and how to become current and in good standing again.
Activity 3
LOAN SERVICING: MaineStream Finance offers loans to those who can not qualify for other loan products at an affordable rate. First mortgage loans are available to purchase, rehabilitate or refinance residential owner-occupied properties. Through education programs, MaineStream Finance fosters successful homeownership, entrepreneurship, and wealth creation. Financial counseling occurs pre- and post-loan closing. If borrowers qualify for USDA/RD loans and /or Maine Housing's loans, MaineStream Finance encourages and assists them to apply for those products if appropriate.
Filing and Contact Details

Filer

EIN
01-0539222
Raw XML AppendixShowing 400 of 690 raw XML fields

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IRS990/Description0ECONOMIC DEVELOPMENT: The economic development program of MaineStream Finance provides loans, education, and services to assist individuals to start small businesses and assist existing small businesses to grow. The Incubator Without Walls program is a comprehensive training program that helps entrepreneurs advance their business through increased knowledge and skills in a multitude of business areas. The program centers around group networking among participants rather than 1 on 1 business plan preparation or classroom work. The program includes pre-loan technical assistance, such as writing a business plan, cash flow analysis preparation, and, after the loan has been processed, ongoing support for running a small business. Business 101 classes are offered to prospective self-employed individuals and covers the basics of what it takes to start up a new micro-business. Classes include financial review, assistance with a business plan, foreclosure, debt management, budget and business cash flow counseling. Those businesses that are currently in operation are encouraged to attend the Incubator Without Walls program for classroom and networking support. MaineStream Finance loans funds to day care providers that are used to establish/expand child care businesses in order to create job opportunities for low-income individuals.
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IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg00
IRS990ScheduleJ/Form990ScheduleJPartII/BonusFilingOrg00
IRS990ScheduleJ/Form990ScheduleJPartII/BonusRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/CompBasedOnRelatedOrgs0141889
IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990FilingOrg00
IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990RelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompFilingOrg00
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompRelatedOrgs03955
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson0Charles Newton
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg00
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs019319
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg00
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs0791
IRS990ScheduleJ/Form990ScheduleJPartII/Title0President
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg00
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs0165954
IRS990ScheduleJ/InitialContractException00
IRS990/ScheduleJRequired01
IRS990ScheduleJ/SeverancePayment00
IRS990ScheduleJ/SupplementalNonqualRetirePlan00
IRS990ScheduleO/GeneralExplanation/Explanation0On August 13, 2014, a draft of the MaineStream Finance Form 990 was presented to the Finance Committee of the parent organization, Penquis CAP, Inc., by Penquis Chief Financial Officer, Denice Conary. The Committee as designated by the Penquis Board of Directors unanimously approved the filing of the tax return.
IRS990ScheduleO/GeneralExplanation/Explanation1No person shall be at once an employee of the corporation and a member of the Board of Directors. No person may serve as a member of the Board of Directors while that person's husband, wife, child, sibling or parent is an employee of the corporation. Members of the Board of Directors may not apply for employment with the corporation, its subsidiaries or delegates. Board of Directors may not directly or indirectly solicit or accept gratuities of a monetary value from any recipient of the corporation's services or from any organization with which the corporation has a contractual relationship. Board of Directors may not have a financial conflict of interest with the agency. Board of Directors may not receive compensation for serving on the Board of Directors. Board of Directors members shall operate as an entity independent of staff employed by the agency. MaineStream Finance also has a specific Conflict of Interest Policy which further defines the corporate policy and related practices.
IRS990ScheduleO/GeneralExplanation/Explanation2The CEO's compensation is determined by Human Resources of the parent organization utilizing an independent compensation survey which is completed every 3 years.
IRS990ScheduleO/GeneralExplanation/Explanation3Governing documents, policies, and financial statements are made available to the public upon written request. The documents are copied and mailed to the requestor as soon as they are available.
IRS990ScheduleO/GeneralExplanation/ReturnReference0Form 990, Part VI, Section B, line 11
IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990, Part VI, Section B, line 12c
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part VI, Section B, line 15
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part VI, Section C, line 19
IRS990/ScheduleORequired01
IRS990ScheduleR/DividendsRelatedOrganization00
IRS990ScheduleR/ExchangeOfAssets00
IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/AddressLine10262 Harlow Street
IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/AddressLine11262 Harlow Street
IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/AddressLine12262 Harlow Street
IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/AddressLine13262 Harlow Street
IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/City0Bangor
IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/City1Bangor
IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/City2Bangor
IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/City3Bangor
IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/State0ME
IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/State1ME

Document Assets

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Filings

Displayed year

2013 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$4,975,379
Liabilities
$3,569,220
Net assets
$1,406,159
Revenue
$1,077,215
Expenses
$602,209
Net income
$475,006
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$7.47$4.63$2.84$0.62$0.51$0.11
2023Detailed filing. Detailed filing data is available for this year.$6.91$4.17$2.74$0.48$0.58$0.10
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.73$3.90$2.84$1.44$0.64$0.80
2021Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$6.92$4.89$2.04$1.59$0.70$0.89
2020Detailed filing. Detailed filing data is available for this year.$5.93$4.79$1.15$0.66$0.61$0.05
2019Detailed filing. Detailed filing data is available for this year.$5.82$4.71$1.10$0.68$0.86$0.17
2018Detailed filing. Detailed filing data is available for this year.$5.44$4.16$1.27$0.81$0.90$0.09
2017Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$5.51$4.14$1.37$0.66$0.80$0.14
2016Detailed filing. Detailed filing data is available for this year.$6.68$5.17$1.51$0.75$0.96$0.21
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.48$5.77$1.71$0.89$0.80$0.09
2014Detailed filing. Detailed filing data is available for this year.$6.17$4.55$1.62$1.18$0.96$0.22
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.98$3.57$1.41$1.08$0.60$0.48
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.85$2.92$0.93$0.47
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.90$1.94$0.95$0.55
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.41$1.36$1.05$0.31