Civic Intelligence

Massachusetts Attorneys Title Group Inc

990 • Fiscal year 2014 • EIN 26-2882545

Jan 01, 2014 to Dec 31, 2014 • Filed on Jan 08, 2015

PO Box 495Beverly, MA 01915

(978) 927-2211

Siviq Scores

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

Liabilities / Assets

92nd percentile

0.59x

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

2014 filings • 501(c)6 • <$500k nonprofits • Source year 2014

Liabilities / Revenue

71st percentile

0.05x

Higher debt load relative to revenue than 71% of similar nonprofits.

2014 filings • 501(c)6 • <$500k nonprofits • Source year 2014

Net Margin

26th percentile

-6.2%

Higher net margin than 26% of similar nonprofits.

2014 filings • 501(c)6 • <$500k nonprofits • Source year 2014

Top Officer Pay

93rd percentile

$78,000

Higher top officer pay than 93% of similar nonprofits.

Top officer pay equals 58.3% of source-year revenue.

2014 filings • 501(c)6 • <$500k nonprofits • Source year 2014

Asset Growth

13th percentile

-24%

Faster asset growth than 13% of similar nonprofits.

2014 filings • 501(c)6 • <$500k nonprofits • Annualized from 2013 to 2014

Revenue Growth

11th percentile

-28%

Faster revenue growth than 11% of similar nonprofits.

2014 filings • 501(c)6 • <$500k nonprofits • Annualized from 2013 to 2014

Assets

Down

$10,900

Down $3,391 (-24%) from 2013

Net Assets

Down

$4,478

Down $8,300 (-65%) from 2013

Liabilities

Up

$6,422

Up $4,909 (+324%) from 2013

Revenue

Down

$133,777

Down $51,935 (-28%) from 2013

Expenses

Down

$142,077

Down $34,199 (-19%) from 2013

Net Income

Down

-$8,300

Down $17,736 (-188%) from 2013

Historical Trend

Balance Sheet Trend

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

$30K$20K$10K$0-$10KAssets 2011: $13,433Liabilities 2011: $20,810Net Assets 2011: -$7,3772011Assets 2013: $14,291Liabilities 2013: $1,513Net Assets 2013: $12,7782013Assets 2014: $10,900Liabilities 2014: $6,422Net Assets 2014: $4,4782014Assets 2015: $16,632Liabilities 2015: $16,013Net Assets 2015: $6192015Assets 2016: $0Liabilities 2016: $0Net Assets 2016: $02016

Highlighted filing

2014

Assets$10,900
Liabilities$6,422
Net Assets$4,478

Operations Trend

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

$200K$150K$100K$50K$0-$50KRevenue 2011: $129,001Expenses 2011: $141,386Net Income 2011: -$12,3852011Revenue 2013: $185,712Expenses 2013: $176,276Net Income 2013: $9,4362013Revenue 2014: $133,777Expenses 2014: $142,077Net Income 2014: -$8,3002014Revenue 2015: $132,742Expenses 2015: $136,601Net Income 2015: -$3,8592015Revenue 2016: $97,980Expenses 2016: $98,599Net Income 2016: -$6192016

Highlighted filing

2014

Revenue$133,777
Expenses$142,077
Net Income-$8,300
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Jan 8, 2015
Return Version
2014v5.0
Gross Receipts
$133,777
Mission and Program Overview

Mission

To provide title insurance agent services to attorneys.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$14,291$10,900▼ $3,391
Total Assets$14,291$10,900▼ $3,391
Liabilities
Other Liabilities$1,513$6,422▲ $4,909
Total Liabilities$1,513$6,422▲ $4,909
Net Assets / Fund Balance
Unrestricted Net Assets$12,778$4,478▼ $8,300
Total Net Assets Fund Balance$12,778$4,478▼ $8,300
Total Liabilities and Net Assets / Fund Balance$14,291$10,900▼ $3,391
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Kevin AtwoodSecretaryFT$78,000$78,000
Thomas Bussone IiPresidentFT$32,310$32,310

Board Members and Trustees

NameTitle
Thomas FallonTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$133,777
Program Service Revenue
$0
Investment Income
$0
Other Revenue
$0
All Other Contributions
$133,777
Change in Net Assets
$-8,300
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$116,834
Other Expenses$25,243
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$110,310-$110,310
Occupancy-$6,669-$6,669
Payroll Taxes-$6,524-$6,524
Insurance-$2,790-$2,790
Office Expenses-$2,762-$2,762
Fees for Services Other-$2,041-$2,041
All Other Expenses$447$1,078-$1,525
Fees for Services Accounting-$900-$900
Other Expenses-$820-$820
Total Functional Expenses$447$141,630$0$142,077
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
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Credit Card Payable$4,909
Payroll Withholdings$1,513
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
Massachusetts Attorneys Title Group
EIN
26-2882545
Phone
9789272211
Address
PO BOX 495, BEVERLY, MA 01915

Signing Officer

Name
Thomas Bussone
Title
Director
Phone
9789272211
Signed
2015-01-08

Organization Details

Formed
2008
Legal Domicile
Ma
Voting Board Members
3
Independent Board Members
1
Employees
1

Preparer

Firm
SILVERMAN AVILA & GERSHAW CPA'S
Address
100 CONIFER HILL DR STE 108, DANVERS, MA 01923-1164
Preparer
R Peter Avila CPA
Phone
9787674222
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

To support the real estate bar association.

Raw XML Appendix244 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/AccountantCompileOrReviewInd0false
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0TO PROVIDE TITLE INSURANCE AGENT SERVICES TO ATTORNEYS.
IRS990/AllOtherContributionsAmt0133777
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt01078
IRS990/AllOtherExpensesGrp/ProgramServicesAmt0447
IRS990/AllOtherExpensesGrp/TotalAmt01525
IRS990/BooksInCareOfDetail/PersonNm0THOMAS BUSSONE II
IRS990/BooksInCareOfDetail/PhoneNum09783384001
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO BOX 495
IRS990/BooksInCareOfDetail/USAddress/CityNm0BEVERLY
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd001915
IRS990/BusinessRlnWithFamMemInd0false
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IRS990/CashNonInterestBearingGrp/BOYAmt014291
IRS990/CashNonInterestBearingGrp/EOYAmt010900
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
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IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt0133777
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt00
IRS990/CYOtherExpensesAmt025243
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt00
IRS990/CYRevenuesLessExpensesAmt0-8300
IRS990/CYSalariesCompEmpBnftPaidAmt0116834
IRS990/CYTotalExpensesAmt0142077
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0133777
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/Desc0TO SUPPORT THE REAL ESTATE BAR ASSOCIATION.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0false
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt01
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt0900
IRS990/FeesForServicesAccountingGrp/TotalAmt0900
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt02041
IRS990/FeesForServicesOtherGrp/TotalAmt02041
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt140.00
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IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/PersonNm0KEVIN ATWOOD
IRS990/Form990PartVIISectionAGrp/PersonNm1THOMAS BUSSONE II
IRS990/Form990PartVIISectionAGrp/PersonNm2THOMAS FALLON
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt078000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt132310
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/TitleTxt0SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt1PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr02008
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt03
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0133777
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InsuranceGrp/ManagementAndGeneralAmt02790
IRS990/InsuranceGrp/TotalAmt02790
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt01
IRS990/IRPDocumentW2GCnt00
IRS990/LegalDomicileStateCd0MA
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingCashInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0TO PROVIDE TITLE INSURANCE AGENT SERVICES TO ATTORNEYS.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt012778
IRS990/NetAssetsOrFundBalancesEOYAmt04478
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ManagementAndGeneralAmt06669
IRS990/OccupancyGrp/TotalAmt06669
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt02762
IRS990/OfficeExpensesGrp/TotalAmt02762
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherExpensesGrp/Desc0TECHNICAL SUPPORT
IRS990/OtherExpensesGrp/Desc1SOFTWARE
IRS990/OtherExpensesGrp/Desc2OUTSIDE SERVICES
IRS990/OtherExpensesGrp/Desc3AUTO EXPENSE
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt04429
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt11807
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt21500
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt3820
IRS990/OtherExpensesGrp/TotalAmt04429
IRS990/OtherExpensesGrp/TotalAmt11807
IRS990/OtherExpensesGrp/TotalAmt21500
IRS990/OtherExpensesGrp/TotalAmt3820
IRS990/OtherLiabilitiesGrp/BOYAmt01513
IRS990/OtherLiabilitiesGrp/EOYAmt06422
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0110310
IRS990/OtherSalariesAndWagesGrp/TotalAmt0110310
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt06524
IRS990/PayrollTaxesGrp/TotalAmt06524
IRS990/PoliticalCampaignActyInd0false
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgSrvcAccomActyOtherGrp/Desc0TO SUPPORT THE REAL ESTATE BAR ASSOCIATION.
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt0447
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0185712
IRS990/PYGrantsAndSimilarPaidAmt020500
IRS990/PYOtherExpensesAmt035075
IRS990/PYRevenuesLessExpensesAmt09436
IRS990/PYSalariesCompEmpBnftPaidAmt0120701
IRS990/PYTotalExpensesAmt0176276
IRS990/PYTotalRevenueAmt0185712
IRS990/ReconcilationRevenueExpnssAmt0-8300
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt04909
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt11513
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0CREDIT CARD PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1PAYROLL WITHHOLDINGS
IRS990ScheduleD/TotalLiabilityAmt06422
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0TO SUPPORT THE REAL ESTATE BAR ASSOCIATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2NO DOCUMENTS AVAILABLE TO THE PUBLIC
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalGrossUBIAmt00
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IRS990/TypeOfOrganizationCorpInd0X
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IRS990/VotingMembersGoverningBodyCnt03
IRS990/VotingMembersIndependentCnt01
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-04-25 22:37:26Z
ReturnHeader/BusinessOfficerGrp/PersonNm0THOMAS BUSSONE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum09789272211
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-01-08
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MASSACHUSETTS ATTORNEYS TITLE GROUP
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0INC
ReturnHeader/Filer/BusinessNameControlTxt0MASS
ReturnHeader/Filer/EIN0262882545
ReturnHeader/Filer/PhoneNum09789272211
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 495
ReturnHeader/Filer/USAddress/CityNm0BEVERLY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
ReturnHeader/Filer/USAddress/ZIPCd001915
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0263011860
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0SILVERMAN AVILA & GERSHAW CPA'S
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0100 CONIFER HILL DR STE 108
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0DANVERS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0019231164
ReturnHeader/PreparerPersonGrp/PhoneNum09787674222
ReturnHeader/PreparerPersonGrp/PreparationDt02015-02-07
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0R PETER AVILA CPA
ReturnHeader/ReturnTs02015-02-07T14:23:29-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

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Filings