Civic Intelligence

Gulf Coast Renaissance Corporation

EIN 20-8181931 • 501(c)3 • Gulfport, MS

View Organization Page

Profile

To provide support through technical and financial assistance to facilitate the development of communities which provide safe, quality housing for the workforce and special need residents of the mississippi gulf coast and economic opportunities that will add/retain jobs in the community or that create entrepreneurial opportunities.

8917 Lorraine RdGulfport, MS 39503

www.msgcrc.com

Siviq Scores

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

Liabilities / Assets

75th percentile

0.55x

Higher debt load relative to assets than 75% of similar nonprofits.

501(c)3 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

95th percentile

6.16x

Higher debt load relative to revenue than 95% of similar nonprofits.

501(c)3 • $50M-$100M nonprofits • Source year 2024

Net Margin

46th percentile

3.2%

Higher net margin than 46% of similar nonprofits.

501(c)3 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

55th percentile

7.4%

Faster asset growth than 55% of similar nonprofits.

501(c)3 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

57th percentile

10%

Faster revenue growth than 57% of similar nonprofits.

501(c)3 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets75th percentile

Assets

Up

$66,494,902

Up $4,578,446 (+7.4%) from 2023

Liabilities

Up

$36,571,093

Up $4,386,457 (+14%) from 2023

Net Assets

Up

$29,923,809

Up $191,989 (+0.6%) from 2023

Operations
Liabilities / Revenue95th percentileNet Margin46th percentile

Revenue

Up

$5,936,705

Up $544,922 (+10%) from 2023

Expenses

Up

$5,744,716

Up $703,728 (+14%) from 2023

Net Income

Down

$191,989

Down $158,806 (-45%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth55th percentile

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

$80M$60M$40M$20M$0Assets 2011: $36,458,245Liabilities 2011: $1,210,135Net Assets 2011: $35,248,1102011Assets 2012: $39,387,980Liabilities 2012: $1,184,340Net Assets 2012: $38,203,6402012Assets 2013: $37,427,652Liabilities 2013: $1,314,654Net Assets 2013: $36,112,9982013Assets 2014: $35,159,033Liabilities 2014: $2,698,068Net Assets 2014: $32,460,9652014Assets 2015: $37,055,816Liabilities 2015: $7,579,937Net Assets 2015: $29,475,8792015Assets 2016: $35,717,803Liabilities 2016: $10,862,605Net Assets 2016: $24,855,1982016Assets 2017: $34,681,374Liabilities 2017: $9,640,105Net Assets 2017: $25,041,2692017Assets 2018: $37,127,817Liabilities 2018: $11,597,393Net Assets 2018: $25,530,4242018Assets 2019: $44,962,702Liabilities 2019: $18,729,991Net Assets 2019: $26,232,7112019Assets 2020: $46,955,538Liabilities 2020: $20,294,438Net Assets 2020: $26,661,1002020Assets 2021: $50,426,367Liabilities 2021: $23,219,835Net Assets 2021: $27,206,5322021Assets 2022: $53,451,589Liabilities 2022: $23,501,354Net Assets 2022: $29,950,2352022Assets 2023: $61,916,456Liabilities 2023: $32,184,636Net Assets 2023: $29,731,8202023Assets 2024: $66,494,902Liabilities 2024: $36,571,093Net Assets 2024: $29,923,8092024

Highlighted filing

2024

Assets$66,494,902
Liabilities$36,571,093
Net Assets$29,923,809
Open 2024 Filing

Operations Trend

Revenue Growth57th percentile

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

$15M$10M$5.0M$0-$5.0MExpenses 2011: $10,874,4662011Expenses 2012: $6,340,4822012Revenue 2013: $3,759,404Expenses 2013: $5,850,046Net Income 2013: -$2,090,6422013Revenue 2014: $3,067,917Expenses 2014: $6,719,950Net Income 2014: -$3,652,0332014Revenue 2015: $2,108,297Expenses 2015: $5,093,383Net Income 2015: -$2,985,0862015Revenue 2016: $941,587Expenses 2016: $5,512,268Net Income 2016: -$4,570,6812016Revenue 2017: $7,324,292Expenses 2017: $7,138,221Net Income 2017: $186,0712017Revenue 2018: $4,776,386Expenses 2018: $4,287,231Net Income 2018: $489,1552018Revenue 2019: $4,534,265Expenses 2019: $3,831,975Net Income 2019: $702,2902019Revenue 2020: $4,479,523Expenses 2020: $4,051,135Net Income 2020: $428,3882020Revenue 2021: $5,045,088Expenses 2021: $4,499,656Net Income 2021: $545,4322021Revenue 2022: $6,648,710Expenses 2022: $3,905,005Net Income 2022: $2,743,7052022Revenue 2023: $5,391,783Expenses 2023: $5,040,988Net Income 2023: $350,7952023Revenue 2024: $5,936,705Expenses 2024: $5,744,716Net Income 2024: $191,9892024

Highlighted filing

2024

Revenue$5,936,705
Expenses$5,744,716
Net Income$191,989
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$66,494,902
Liabilities
$36,571,093
Net assets
$29,923,809
Revenue
$5,936,705
Expenses
$5,744,716
Net income
$191,989
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$66.5$36.6$29.9$5.94$5.74$0.19
2023Summary only. Only limited summary data is available for this year.$61.9$32.2$29.7$5.39$5.04$0.35
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$53.5$23.5$30.0$6.65$3.91$2.74
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$50.4$23.2$27.2$5.05$4.50$0.55
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$47.0$20.3$26.7$4.48$4.05$0.43
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$45.0$18.7$26.2$4.53$3.83$0.70
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$37.1$11.6$25.5$4.78$4.29$0.49
2017Summary only. Only limited summary data is available for this year.$34.7$9.64$25.0$7.32$7.14$0.19
2016Summary only. Only limited summary data is available for this year.$35.7$10.9$24.9$0.94$5.51$4.57
2015Detailed filing. Detailed filing data is available for this year.$37.1$7.58$29.5$2.11$5.09$2.99
2014Detailed filing. Detailed filing data is available for this year.$35.2$2.70$32.5$3.07$6.72$3.65
2013Detailed filing. Detailed filing data is available for this year.$37.4$1.31$36.1$3.76$5.85$2.09
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$39.4$1.18$38.2$6.34
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$36.5$1.21$35.2$10.9
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2020 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Nov 15, 2021
Return Version
2020v4.1
Gross Receipts
$4,521,204
Mission and Program Overview

Mission

To provide support through technical and financial assistance to facilitate the development of communities which provide safe, quality housing for the workforce and special need residents of the mississippi gulf coast and economic opportunities that will add/retain jobs in the community or that create entrepreneurial opportunities.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$27,371,382$32,843,130▲ $5,471,748
Cash and Non-Interest-Bearing Accounts$13,463,470$11,465,345▼ $1,998,125
Land, Buildings, and Equipment, Net$1,697,170$1,610,647▼ $86,523
Pledges and Grants Receivable$810,448$528,774▼ $281,674
Accounts Receivable$212,061$390,574▲ $178,513
Savings and Temporary Cash Investments$1,636,514$285,831▼ $1,350,683
Investments in Publicly Traded Securities$136,000$137,800▲ $1,800
Prepaid Expenses and Deferred Charges$55,189$34,177▼ $21,012
Total Assets$44,962,702$46,955,538▲ $1,992,836
Other Assets Total$-419,532$-340,740▲ $78,792
Liabilities
Mortgage Notes Payable Secured by Investment Property$17,732,992$19,174,949▲ $1,441,957
Escrow Account Liability$321,732$361,876▲ $40,144
Other Liabilities$0$265,500▲ $265,500
Grants Payable$358,395$263,124▼ $95,271
Accounts Payable and Accrued Expenses$316,872$228,989▼ $87,883
Total Liabilities$18,729,991$20,294,438▲ $1,564,447
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$26,222,211$26,079,826▼ $142,385
Net Assets With Donor Restrictions$10,500$581,274▲ $570,774
Total Net Assets Fund Balance$26,232,711$26,661,100▲ $428,389
Total Liabilities and Net Assets / Fund Balance$44,962,702$46,955,538▲ $1,992,836

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,091,901$56,435-
Land$286,861--
Equipment$203,152$183,912-
Leasehold Improvements$28,733$6,980-
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kimberly LarosaPresident/CEOFT$186,923$41,480$228,403
Charles WallChief Fianacial OfficerFT$128,770$25,000$153,770
Camille T SchaferDirector of ProgramsFT$129,635-$129,635
Denise CarverDirector of Marketing & AdministrationFT$117,615-$117,615

Board Members and Trustees

NameTitle
Dorothy ShawChairman
David NicholsVice Chairman
Dave DennisDirector
Jerome BrownDirector
Michelle WhettenDirector
Zell LongDirector
Laura HastyTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$1,901,019
Program Service Revenue
$740,165
Investment Income
$1,820,014
Other Revenue
$18,325
All Other Contributions
$137,760
Change in Net Assets
$428,388

Audited Revenue Reconciliation

Revenue per Audited Statements
$4,292,435
Revenue Not Reported on Financial Statements
$187,088
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$187,088
Total Revenue per Audited Statements
$4,292,435
Total Revenue per Form 990
$4,479,523
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$2,021,047
Other Expenses$1,808,266
Grants and Similar Amounts Paid$221,822
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,175,819$165,946-$1,341,765
Interest$391$620,260-$620,651
Other Employee Benefits$116,355$216,994-$333,349
Fees for Services Other$48,776$185,126-$233,902
Grants to Domestic Individuals$221,822--$221,822
Current Officers, Directors, Trustees, and Key Employees$219,770--$219,770
All Other Expenses$100,512$65,925-$166,437
Payroll Taxes$97,728$28,435-$126,163
Advertising$81,756$39,713-$121,469
Fees for Services Lobbying-$105,000-$105,000
Depreciation Depletion$4,417$84,781-$89,198
Fees for Services Legal$27,579$40,814-$68,393
Insurance$52,962$10,217-$63,179
Occupancy$42,691$19,401-$62,092
Information Technology$45,781$14,653-$60,434
Fees for Services Accounting$19,937$31,608-$51,545
Other Expenses$18,019$10,308-$28,327
Office Expenses$9,602$9,762-$19,364
Travel$14,500$1,373-$15,873
Total Functional Expenses$2,375,866$1,675,269$0$4,051,135

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$4,051,135
Total Expenses per Audited Statements$4,051,135
Total Expenses per Form 990$4,051,135
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Due to Fhlb - Small Business Boost$265,500
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

“The 990 is reviewed by a cpa, non-board member, prior to the full bod review at the monthly meeting.”

Form 990, Part VI, Section B, Line 12C

“Board of directors members complete questionnaires annually, sign confidentiality and disclosure agreements, as well as code of ethics.”

Form 990, Part VI, Section B, Line 15

“Compensation committee met and compared salaries and positions with other non-profits.”

Form 990, Part VI, Section C, Line 19

“The organization makes its governing documents, conflict of interest policy, financial statements, and form 990 available upon request.”

Filing and Contact Details

Filer

Filer Name
Renaissance Community Loan Fund
EIN
20-8181931
Phone
2288963386
Address
8917 LORRAINE RD, GULFPORT, MS 39503

Signing Officer

Name
Kimberly Larosa
Title
President/CEO
Phone
2288963386
Signed
2021-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kimberly Larosa
Formed
2007
Legal Domicile
Ms
Voting Board Members
7
Independent Board Members
7
Employees
34
Volunteers
0

Preparer

Firm
Piltz Williams Larosa & Co
Address
PO BOX 231, BILOXI, MS 39533
Preparer
John D Prentiss CPA
Phone
2283744141
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“ROUNDING ADJUSTMENT 1.”

Part XII, Line 2(C)

“There has been no change in the oversight of the audit from the last year. The audit committee's responsibilities remain the same in choosing an independent auditor and reviewing the results of the audits.”

Financial Statement Notes

PART IV, LINE 2B:

“Renaissance community loan fund, inc. Maintains escrow accounts for certain mortgage receivables”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Equity in earnings of affiliate”

Raw XML AppendixShowing 400 of 611 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.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0316872
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0228989
IRS990/AccountsReceivableGrp/BOYAmt0212061
IRS990/AccountsReceivableGrp/EOYAmt0390574
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROVIDE SUPPORT THROUGH TECHNICAL AND FINANCIAL ASSISTANCE TO FACILITATE THE DEVELOPMENT OF COMMUNITIES WHICH PROVIDE SAFE, QUALITY HOUSING FOR THE WORKFORCE AND SPECIAL NEED RESIDENTS OF THE MISSISSIPPI GULF COAST AND ECONOMIC OPPORTUNITIES THAT WILL ADD/RETAIN JOBS IN THE COMMUNITY OR THAT CREATE ENTREPRENEURIAL OPPORTUNITIES.
IRS990/AdvertisingGrp/ManagementAndGeneralAmt039713
IRS990/AdvertisingGrp/ProgramServicesAmt081756
IRS990/AdvertisingGrp/TotalAmt0121469
IRS990/AllOtherContributionsAmt0137760
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt065925
IRS990/AllOtherExpensesGrp/ProgramServicesAmt0100512
IRS990/AllOtherExpensesGrp/TotalAmt0166437
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0CHARLES WALL CFO
IRS990/BooksInCareOfDetail/PhoneNum02288963386
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt08917 LORRAINE ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0GULFPORT
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MS
IRS990/BooksInCareOfDetail/USAddress/ZIPCd039503
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CashNonInterestBearingGrp/BOYAmt013463470
IRS990/CashNonInterestBearingGrp/EOYAmt011465345
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0219770
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0219770
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd01
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt01901019
IRS990/CYGrantsAndSimilarPaidAmt0221822
IRS990/CYInvestmentIncomeAmt01820014
IRS990/CYOtherExpensesAmt01808266
IRS990/CYOtherRevenueAmt018325
IRS990/CYProgramServiceRevenueAmt0740165
IRS990/CYRevenuesLessExpensesAmt0428388
IRS990/CYSalariesCompEmpBnftPaidAmt02021047
IRS990/CYTotalExpensesAmt04051135
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt04479523
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt084781
IRS990/DepreciationDepletionGrp/ProgramServicesAmt04417
IRS990/DepreciationDepletionGrp/TotalAmt089198
IRS990/Desc0THE RENAISSANCE BUILDER & DEVELOPER GUILD FOSTERS THE REDEVELOPMENT OF COMMUNITIES AS ENVIRONMENTALLY, ECONOMICALLY AND SOCIALLY SUSTAINABLE THROUGH RESPONSIBLE LAND USE PRACTICES, WITH A PARTICULAR FOCUS ON MIXED-USE AND MIXED-INCOME COMMUNITIES. THE CORPORATION ALSO OFFERS HOMEBUYER ASSISTANCE PROGRAMS WITH HOUSING AND DREAM ASSISTANCE GRANTS. THESE GRANTS ARE FORGIVEN AFTER FIVE TO TEN YEARS.
IRS990/DescribedInSection501c3Ind01
IRS990/DisregardedEntityInd01
IRS990/DocumentRetentionPolicyInd01
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IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd00
IRS990/EmployeeCnt034
IRS990/EmploymentTaxReturnsFiledInd01
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IRS990/ExpenseAmt0846
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
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IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt019937
IRS990/FeesForServicesAccountingGrp/TotalAmt051545
IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt040814
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt027579
IRS990/FeesForServicesLegalGrp/TotalAmt068393
IRS990/FeesForServicesLobbyingGrp/ManagementAndGeneralAmt0105000
IRS990/FeesForServicesLobbyingGrp/TotalAmt0105000
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt0185126
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt048776
IRS990/FeesForServicesOtherGrp/TotalAmt0233902
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form8282PropertyDisposedOfInd00
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60.00
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IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
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IRS990/Form990PartVIISectionAGrp/OfficerInd2X
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/PersonNm0DOROTHY SHAW
IRS990/Form990PartVIISectionAGrp/PersonNm1DAVE DENNIS
IRS990/Form990PartVIISectionAGrp/PersonNm2DAVID NICHOLS
IRS990/Form990PartVIISectionAGrp/PersonNm3JEROME BROWN
IRS990/Form990PartVIISectionAGrp/PersonNm4LAURA HASTY
IRS990/Form990PartVIISectionAGrp/PersonNm5MICHELLE WHETTEN
IRS990/Form990PartVIISectionAGrp/PersonNm6ZELL LONG
IRS990/Form990PartVIISectionAGrp/PersonNm7KIMBERLY LAROSA
IRS990/Form990PartVIISectionAGrp/PersonNm8CHARLES WALL
IRS990/Form990PartVIISectionAGrp/PersonNm9CAMILLE T SCHAFER
IRS990/Form990PartVIISectionAGrp/PersonNm10DENISE CARVER
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8153770
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8CHIEF FIANACIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR OF PROGRAMS
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR OF MARKETING & ADMINISTRATION
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr02007
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt019054
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GovernmentGrantsAmt01763259
IRS990/GrantAmt0846
IRS990/GrantsPayableGrp/BOYAmt0358395
IRS990/GrantsPayableGrp/EOYAmt0263124
IRS990/GrantsToDomesticIndividualsGrp/ProgramServicesAmt0221822
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt0221822
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt060735
IRS990/GrossReceiptsAmt04521204
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd01
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IRS990/IndivRcvdGreaterThan100KCnt04
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt014653
IRS990/InformationTechnologyGrp/ProgramServicesAmt045781
IRS990/InformationTechnologyGrp/TotalAmt060434
IRS990/InsuranceGrp/ManagementAndGeneralAmt010217
IRS990/InsuranceGrp/ProgramServicesAmt052962
IRS990/InsuranceGrp/TotalAmt063179
IRS990/InterestGrp/ManagementAndGeneralAmt0620260
IRS990/InterestGrp/ProgramServicesAmt0391
IRS990/InterestGrp/TotalAmt0620651
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IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01800960
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IRS990/InvestmentsPubTradedSecGrp/BOYAmt0136000
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0137800
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
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IRS990/LandBldgEquipBasisNetGrp/BOYAmt01697170
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01610647
IRS990/LandBldgEquipCostOrOtherBssAmt01857974
IRS990/LegalDomicileStateCd0MS
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt041681
IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE SUPPORT THROUGH TECHNICAL AND FINANCIAL ASSISTANCE TO FACILITATE THE DEVELOPMENT OF COMMUNITIES WHICH PROVIDE SAFE, QUALITY HOUSING FOR THE WORKFORCE AND SPECIAL NEED RESIDENTS OF THE MISSISSIPPI GULF COAST AND ECONOMIC OPPORTUNITIES THAT WILL ADD/RETAIN JOBS IN THE COMMUNITY OR THAT CREATE ENTREPRENEURIAL OPPORTUNITIES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt017732992
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt019174949
IRS990/NetAssetsOrFundBalancesBOYAmt026232711
IRS990/NetAssetsOrFundBalancesEOYAmt026661100
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt019054
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt019054
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt026222211
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt026079826
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ManagementAndGeneralAmt019401
IRS990/OccupancyGrp/ProgramServicesAmt042691
IRS990/OccupancyGrp/TotalAmt062092
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt09762
IRS990/OfficeExpensesGrp/ProgramServicesAmt09602
IRS990/OfficeExpensesGrp/TotalAmt019364
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0-419532
IRS990/OtherAssetsTotalGrp/EOYAmt0-340740
IRS990/OtherChangesInNetAssetsAmt01
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt0216994
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0116355
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0333349
IRS990/OtherExpensesGrp/Desc0RESTRICTED GRANT EXPENS
IRS990/OtherExpensesGrp/Desc1BAD DEBT EXPENSE
IRS990/OtherExpensesGrp/Desc2DUES & SUBSCRIPTIONS
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING FEES
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt024953
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt110308
IRS990/OtherExpensesGrp/ProgramServicesAmt040329
IRS990/OtherExpensesGrp/ProgramServicesAmt131464
IRS990/OtherExpensesGrp/ProgramServicesAmt25656
IRS990/OtherExpensesGrp/ProgramServicesAmt318019
IRS990/OtherExpensesGrp/TotalAmt040329
IRS990/OtherExpensesGrp/TotalAmt131464
IRS990/OtherExpensesGrp/TotalAmt230609
IRS990/OtherExpensesGrp/TotalAmt328327
IRS990/OtherLiabilitiesGrp/BOYAmt00
IRS990/OtherLiabilitiesGrp/EOYAmt0265500
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/Desc0OTHER INCOME
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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt018325
IRS990/OtherRevenueTotalAmt018325
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0165946
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt01175819
IRS990/OtherSalariesAndWagesGrp/TotalAmt01341765
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt027371382
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt032843130
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt028435
IRS990/PayrollTaxesGrp/ProgramServicesAmt097728
IRS990/PayrollTaxesGrp/TotalAmt0126163
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt0810448
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt0528774
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt055189
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt034177
IRS990/PrincipalOfficerNm0KIMBERLY LAROSA
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IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522291
IRS990/ProgramServiceRevenueGrp/BusinessCd2522291
IRS990/ProgramServiceRevenueGrp/Desc0LOAN FEES
IRS990/ProgramServiceRevenueGrp/Desc1NMTC FEES
IRS990/ProgramServiceRevenueGrp/Desc2MANAGEMENT FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0464990
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1206243
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt268932
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0464990
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1206243
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt268932
IRS990/ProgSrvcAccomActy2Grp/Desc0THE LENDING PROGRAM WERE ESTABLISHED AS A PERPETUAL FUND THAT CAN, IN TURN, CREATE A SELF-SUSTAINING FUND TO ASSIST THOUSANDS OF RESIDENTS AND POTENTIAL RESIDENTS FOR YERAS TO COME. THIS IS ACCOMPLISHED THROUGH ITS CURRENT LENDING PROGRAMS INCLUDING: MYHOME MYCOAST; THE DREAM FUND; NEW MARKET TAX CREDITS; MS GULF COAST DEVELOPMENT FUND AND SMALL BUSINESS AND COMMERCIAL LENDING
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt02375020
IRS990/ProgSrvcAccomActy2Grp/GrantAmt0220976
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt02569754
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt01491660
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt067152
IRS990/PYInvestmentIncomeAmt01669074
IRS990/PYOtherExpensesAmt01885871
IRS990/PYOtherRevenueAmt095910
IRS990/PYProgramServiceRevenueAmt01277621
IRS990/PYRevenuesLessExpensesAmt0702290
IRS990/PYSalariesCompEmpBnftPaidAmt01878952
IRS990/PYTotalExpensesAmt03831975
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt04534265
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0428388
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd01
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt08750
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01636514
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0285831
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt01763259
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt01381683
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt01913575
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt02288030
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt01177985
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt08524532
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt02490518
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt02817181
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt02603263
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt04898525
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt0-236398
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt012573089
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.39490
IRS990ScheduleA/PublicSupportPY170Pct00.38840
IRS990ScheduleA/PublicSupportTotal170Amt08524532
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt01763259
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt01381683
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt01913575
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt02288030
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt01177985
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt08524532
IRS990ScheduleA/TotalSupportAmt021584103
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/CurrentTaxYearAmt0137760
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/CurrentTaxYearMinus1YearAmt0109977
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/CurrentTaxYearMinus2YearsAmt062663
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/CurrentTaxYearMinus3YearsAmt078848
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/CurrentTaxYearMinus4YearsAmt097234
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/TotalAmt0486482
IRS990/ScheduleBRequiredInd00
IRS990ScheduleC/NotDescribedSection501c3Ind00
IRS990ScheduleC/PaidStaffOrManagementInd01
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0LOBBYING EXPENDITURES WERE FOR CONSULTANTS WHO EDUCATE AND INFORM LEGISLATORS AS TO THE IMPACT OF LEGISLATION THAT WOULD AFFECT THE ORGANIZATION.
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0PART II-B, LINE 1:
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IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BeginningBalanceAmt0321732
IRS990ScheduleD/BuildingsGrp/BookValueAmt01091901
IRS990ScheduleD/BuildingsGrp/DepreciationAmt056435
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt01148336
IRS990ScheduleD/EndingBalanceAmt0382322
IRS990ScheduleD/EquipmentGrp/BookValueAmt0203152
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0183912
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0387064
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt04051135
IRS990ScheduleD/ExplanationProvidedInd0X
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IRS990ScheduleD/LandGrp/BookValueAmt0286861
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0286861
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt028733
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt06980
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt035713
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0265500
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0DUE TO FHLB - SMALL BUSINESS BOOST
IRS990ScheduleD/OtherRevenuesNotIncludedAmt0187088
IRS990ScheduleD/RevenueNotReportedAmt00

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