Civic Intelligence

Midland Street Merchants Association

EIN 20-0046602 • 501(c)3 • Bay City, MI

Pub. 78 Eligible

Profile

Provide activities to promote the midland street business district in bay city michigan. Help support local business and community involvement as well as support numerous community organzational. Provide community events in bay city.

109 Linn StreetBay City, MI 48706
Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

60th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)3 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

62nd percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)3 • <$500k nonprofits • Source year 2024

Net Margin

25th percentile

-17%

Higher net margin than 25% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Top Officer Pay

81st percentile

$0

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2024

Asset Growth

25th percentile

-34%

Faster asset growth than 25% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

41st percentile

-11%

Faster revenue growth than 41% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets60th percentile

Assets

Down

$30,092

Down $15,606 (-34%) from 2023

Liabilities

Flat

$0

Flat from 2023

Net Assets

Down

$30,092

Down $15,606 (-34%) from 2023

Operations
Liabilities / Revenue62nd percentileNet Margin25th percentile

Revenue

Down

$93,121

Down $11,476 (-11%) from 2023

Expenses

Up

$108,727

Up $34,855 (+47%) from 2023

Net Income

Down

-$15,606

Down $46,331 (-151%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth25th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$60K$40K$20K$0Assets 2022: $14,973Liabilities 2022: $0Net Assets 2022: $14,9732022Assets 2023: $45,698Liabilities 2023: $0Net Assets 2023: $45,6982023Assets 2024: $30,092Liabilities 2024: $0Net Assets 2024: $30,0922024

Highlighted filing

2024

Assets$30,092
Liabilities$0
Net Assets$30,092
Open 2024 Filing

Operations Trend

Revenue Growth41st percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$150K$100K$50K$0-$50KRevenue 2022: $102,430Expenses 2022: $87,457Net Income 2022: $14,9732022Revenue 2023: $104,597Expenses 2023: $73,872Net Income 2023: $30,7252023Revenue 2024: $93,121Expenses 2024: $108,727Net Income 2024: -$15,6062024

Highlighted filing

2024

Revenue$93,121
Expenses$108,727
Net Income-$15,606
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$30,092
Liabilities
$0
Net assets
$30,092
Revenue
$93,121
Expenses
$108,727
Net income
-$15,606
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.30$0.00$0.30$0.93$1.09$0.16
2023Detailed filing. Detailed filing data is available for this year.$0.46$0.00$0.46$1.05$0.74$0.31
2022Detailed filing. Detailed filing data is available for this year.$0.15$0.00$0.15$1.02$0.87$0.15
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Sep 15, 2025
Return Version
2024v5.0
Gross Receipts
$93,121
Mission and Program Overview

Mission

Provide activities to promote the midland street business district in bay city michigan. Help support local business and community involvement as well as support numerous community organzational. Provide community events in bay city.

Provide activities to promote the midland street business district in bay city michigan. Help support local business and community involvement as well as support numerous community organzational and community events.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$45,178$29,747▼ $15,431
Accounts Receivable$520$345▼ $175
Total Assets$45,698$30,092▼ $15,606
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$45,698$30,092▼ $15,606
Total Net Assets Fund Balance$45,698$30,092▼ $15,606
Total Liabilities and Net Assets / Fund Balance$45,698$30,092▼ $15,606
Compensation and Service Providers
Top Officer Pay81st percentile

Board Members and Trustees

NameTitle
Jay SambornPresident
Wendy BurleighSecretary
Greg KimbrueVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$93,121
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$-15,606
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$108,727
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other$85,494--$85,494
Other Expenses$16,072--$16,072
Advertising$3,765--$3,765
Office Expenses$1,712--$1,712
Royalties$850--$850
Insurance$594--$594
Information Technology$240--$240
Total Functional Expenses$108,727$0$0$108,727
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 11B

“No review was or will be conducted.”

Form 990, Page 6, Part VI, Line 19

“No documents available to the public”

Filing and Contact Details

Filer

Filer Name
Midland Street Merchants
EIN
20-0046602
Phone
9892398797
Address
109 LINN STREET, BAY CITY, MI 48706

Signing Officer

Name
Jay Samborn
Title
President
Phone
9892398797
Signed
2025-09-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jay Samborn
Voting Board Members
3
Independent Board Members
3
Employees
0

Preparer

Firm
Saginaw Valley Business Services Inc
Address
509 E MIDLAND ST, BAY CITY, MI 48706
Preparer
Marion T Jane
Phone
9898928001
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“Provide activities to promote the midland street business district in bay city michigan. Help support local business and community involvement as well as support numerous community organzational. Provide community events in bay city.”

Form 990, Part IX, Line 11G

“Bank fees 18 0 0 music and entertainment 29,675 0 0 community events 55,801 0 0 total 85,494 0 0”

Raw XML Appendix257 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/TitleTxt0SECRETARY
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IRS990/Form990ProvidedToGvrnBodyInd0false
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IRS990/GrantsToIndividualsInd0false
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IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt093121
IRS990/GroupReturnForAffiliatesInd0false
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IRS990/IndependentVotingMemberCnt03
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
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IRS990/InformationTechnologyGrp/ProgramServicesAmt0240
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IRS990/InsuranceGrp/ProgramServicesAmt0594
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IRS990/IRPDocumentCnt00
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IRS990/RoyaltiesGrp/ProgramServicesAmt0850
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IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0OTHER INCOME 104,597
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0PART II, LINE 10
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0PROVIDE ACTIVITIES TO PROMOTE THE MIDLAND STREET BUSINESS DISTRICT IN BAY CITY MICHIGAN. HELP SUPPORT LOCAL BUSINESS AND COMMUNITY INVOLVEMENT AS WELL AS SUPPORT NUMEROUS COMMUNITY ORGANZATIONAL. PROVIDE COMMUNITY EVENTS IN BAY CITY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2NO DOCUMENTS AVAILABLE TO THE PUBLIC
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3BANK FEES 18 0 0 MUSIC AND ENTERTAINMENT 29,675 0 0 COMMUNITY EVENTS 55,801 0 0 TOTAL 85,494 0 0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 19
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
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ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
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ReturnHeader/BusinessOfficerGrp/SignatureDt02025-09-15
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ReturnHeader/Filer/EIN0200046602
ReturnHeader/Filer/PhoneNum09892398797
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ReturnHeader/Filer/USAddress/CityNm0BAY CITY
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ReturnHeader/Filer/USAddress/ZIPCd048706
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ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0SAGINAW VALLEY BUSINESS SERVICES INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0509 E MIDLAND ST
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0BAY CITY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd048706
ReturnHeader/PreparerPersonGrp/PhoneNum09898928001
ReturnHeader/PreparerPersonGrp/PreparationDt02025-09-12
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MARION T JANE
ReturnHeader/ReturnTs02025-09-26T08:20:33-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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