Civic Intelligence

Start Small Think Big Inc.

990 • Fiscal year 2016 • EIN 27-1821066

Jan 01, 2016 to Dec 31, 2016 • Filed on Apr 18, 2017

8 West 126th Street 3rd FlrNew York, NY 10027

(646) 723-4053

Siviq Scores

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

Liabilities / Assets

62nd percentile

0.45x

Higher debt load relative to assets than 62% of similar nonprofits.

2016 filings • NTEE P • $5M-$10M nonprofits • Source year 2016

Liabilities / Revenue

9th percentile

0.03x

Higher debt load relative to revenue than 9% of similar nonprofits.

2016 filings • NTEE P • $5M-$10M nonprofits • Source year 2016

Net Margin

54th percentile

1.5%

Higher net margin than 54% of similar nonprofits.

2016 filings • NTEE P • $5M-$10M nonprofits • Source year 2016

Top Officer Pay

20th percentile

$77,640

Higher top officer pay than 20% of similar nonprofits.

Top officer pay equals 1.3% of source-year revenue.

2016 filings • NTEE P • $5M-$10M nonprofits • Source year 2016

Asset Growth

98th percentile

136%

Faster asset growth than 98% of similar nonprofits.

2016 filings • NTEE P • $5M-$10M nonprofits • Annualized from 2015 to 2016

Revenue Growth

100th percentile

1049%

Faster revenue growth than 100% of similar nonprofits.

2016 filings • NTEE P • $5M-$10M nonprofits • Annualized from 2015 to 2016

Assets

Up

$401,025

Up $231,081 (+136%) from 2015

Net Assets

Up

$219,451

Up $89,126 (+68%) from 2015

Liabilities

Up

$181,574

Up $141,955 (+358%) from 2015

Revenue

Up

$6,062,511

Up $5,535,030 (+1049%) from 2015

Expenses

Up

$5,972,622

Up $5,438,474 (+1018%) from 2015

Net Income

Up

$89,889

Up $96,556 (+1448%) from 2015

Historical Trend

Balance Sheet Trend

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2013: $74,244Liabilities 2013: $4,527Net Assets 2013: $69,7172013Assets 2014: $163,036Liabilities 2014: $26,044Net Assets 2014: $136,9922014Assets 2015: $169,944Liabilities 2015: $39,619Net Assets 2015: $130,3252015Assets 2016: $401,025Liabilities 2016: $181,574Net Assets 2016: $219,4512016Assets 2017: $657,196Liabilities 2017: $292,220Net Assets 2017: $364,9762017Assets 2019: $1,861,675Liabilities 2019: $25,493Net Assets 2019: $1,836,1822019Assets 2020: $3,404,388Liabilities 2020: $272,138Net Assets 2020: $3,132,2502020Assets 2021: $5,478,531Liabilities 2021: $57,242Net Assets 2021: $5,421,2892021Assets 2022: $6,022,344Liabilities 2022: $193,655Net Assets 2022: $5,828,6892022Assets 2023: $4,359,081Liabilities 2023: $117,016Net Assets 2023: $4,242,0652023Assets 2024: $3,931,535Liabilities 2024: $105,013Net Assets 2024: $3,826,5222024

Highlighted filing

2016

Assets$401,025
Liabilities$181,574
Net Assets$219,451

Operations Trend

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

$8.0M$6.0M$4.0M$2.0M$0-$2.0MRevenue 2013: $318,364Expenses 2013: $344,383Net Income 2013: -$26,0192013Revenue 2014: $2,665,388Expenses 2014: $2,598,113Net Income 2014: $67,2752014Revenue 2015: $527,481Expenses 2015: $534,148Net Income 2015: -$6,6672015Revenue 2016: $6,062,511Expenses 2016: $5,972,622Net Income 2016: $89,8892016Revenue 2017: $1,060,050Expenses 2017: $914,658Net Income 2017: $145,3922017Revenue 2019: $2,264,865Expenses 2019: $1,230,853Net Income 2019: $1,034,0122019Revenue 2020: $3,996,728Expenses 2020: $2,700,894Net Income 2020: $1,295,8342020Revenue 2021: $5,454,234Expenses 2021: $3,165,195Net Income 2021: $2,289,0392021Revenue 2022: $5,165,176Expenses 2022: $4,757,776Net Income 2022: $407,4002022Revenue 2023: $3,609,944Expenses 2023: $5,196,568Net Income 2023: -$1,586,6242023Revenue 2024: $3,571,237Expenses 2024: $3,986,780Net Income 2024: -$415,5432024

Highlighted filing

2016

Revenue$6,062,511
Expenses$5,972,622
Net Income$89,889
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Apr 18, 2017
Return Version
2016v3.0
Gross Receipts
$6,082,575
Mission and Program Overview

Mission

The organization helps low income individuals build thriving businesses in new york city's most underserved communities in order to accumulate assets, increase their personal financial security and contribute to the economy.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$154,483$384,781▲ $230,298
Prepaid Expenses and Deferred Charges$1,346$11,218▲ $9,872
Pledges and Grants Receivable$9,650--
Land, Buildings, and Equipment, Net$4,465$5,026▲ $561
Total Assets$169,944$401,025▲ $231,081
Liabilities
Deferred Revenue$30,000$179,167▲ $149,167
Accounts Payable and Accrued Expenses$9,619$2,407▼ $7,212
Total Liabilities$39,619$181,574▲ $141,955
Net Assets / Fund Balance
Unrestricted Net Assets$130,325$219,451▲ $89,126
Total Net Assets Fund Balance$130,325$219,451▲ $89,126
Total Liabilities and Net Assets / Fund Balance$169,944$401,025▲ $231,081

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$5,026$5,146$10,172
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Jennifer DasilvaExec. DirectFT$77,640$77,640

Board Members and Trustees

Revenue and Support

Revenue Composition

Contributions and Grants
$5,922,888
Program Service Revenue
$108,960
Investment Income
$0
Other Revenue
$30,663
All Other Contributions
$5,922,888
Change in Net Assets
$89,889

Noncash Contribution Practices

Property subject to holding requirements
No
Reviewed unusual noncash gifts
No
Third parties used for noncash contributions
No

Noncash Contributions

Contribution TypeContribution CountReported Amount
Other Non Cash Contri Table32$5,351,242
Total Noncash Contributions32$5,351,242

Audited Revenue Reconciliation

Revenue per Audited Statements
$6,062,511
Total Revenue per Audited Statements
$6,062,511
Total Revenue per Form 990
$6,062,511
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,434,252
Salaries, Compensation, and Employee Benefits$538,370
Total Fundraising Expense$50,065
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Legal$5,352,742--$5,352,742
Other Salaries and Wages$351,048$10,582$2,774$364,404
Current Officers, Directors, Trustees, and Key Employees$30,840$15,600$31,200$77,640
Other Employee Benefits$37,300$15,542$9,325$62,167
Payroll Taxes$20,495$8,540$5,124$34,159
Information Technology$11,248$5,898-$17,146
Insurance-$13,681-$13,681
Fees for Services Other$13,183--$13,183
Office Expenses$6,434$1,825$1,642$9,901
Other Expenses$1,908$7,020-$8,928
Occupancy$8,346--$8,346
Fees for Services Accounting-$8,254-$8,254
Depreciation Depletion$1,656--$1,656
Advertising-$415-$415
Total Functional Expenses$5,835,200$87,357$50,065$5,972,622

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$5,973,386
Expenses per Audited Statements$5,972,622
Total Expenses per Form 990$5,972,622
Expenses Not Reported on Form 990$764
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$50,727
Fundraising Direct Expenses$20,064
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Special Event$50,727$50,727-$50,727
Total Events$50,727$50,727$20,064$30,663
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
Annual disclosure for covered persons
Yes
Backup withholding compliance
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
No
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, Page 6, Part VI, Line 11B

The form 990 is reviewed by the finance committee from within the board and by the board as a whole

Form 990, Page 6, Part VI, Line 12C

The organization regularly monitors for any conflict of interst.

Form 990, Page 6, Part VI, Line 15A

Compensation of the executive director is approved by the board of directors.

Form 990, Page 6, Part VI, Line 19

The governing documents etc., are available to the public upon request.

Filing and Contact Details

Filer

Filer Name
Start Small Think Big Inc
EIN
27-1821066
Phone
6467234053
Address
8 WEST 126TH STREET 3RD FLR, NEW YORK, NY 10027

Signing Officer

Name
Jennifer Dasilva
Title
Exec. Director
Phone
6467234053
Signed
2017-04-18
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jennifer Dasilva
Formed
2010
Legal Domicile
Ny
Voting Board Members
13
Independent Board Members
13
Employees
9

Preparer

Firm
Schissel Smallberg Llp
Address
450 SEVENTH AVENUE, NEW YORK, NY 10123
Preparer
Myra Bernstein-tweedy
Phone
2127608200
Supplemental Narrative

Financial Statement Notes

Schedule D, Page 4, Part XII, Line 2D

Book / tax depreciation difference 764

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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/OtherSalariesAndWagesGrp/ProgramServicesAmt0351048
IRS990/OtherSalariesAndWagesGrp/TotalAmt0364404
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt05124
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt08540
IRS990/PayrollTaxesGrp/ProgramServicesAmt020495
IRS990/PayrollTaxesGrp/TotalAmt034159
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt09650
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01346
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt011218
IRS990/PrincipalOfficerNm0JENNIFER DASILVA
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0EQUAL JUSTICE
IRS990/ProgramServiceRevenueGrp/Desc1NYC SMALL BUSINESS
IRS990/ProgramServiceRevenueGrp/Desc2NYC COMM'L LEASE PROJECT
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt061500
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt127470
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt219990
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt061500
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt127470
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt219990
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0485990
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt02
IRS990/PYOtherExpensesAmt0118464
IRS990/PYOtherRevenueAmt020989
IRS990/PYProgramServiceRevenueAmt020500
IRS990/PYRevenuesLessExpensesAmt0-6667
IRS990/PYSalariesCompEmpBnftPaidAmt0415684
IRS990/PYTotalExpensesAmt0534148
IRS990/PYTotalRevenueAmt0527481
IRS990/ReconcilationRevenueExpnssAmt089889
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt05922888
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt0485990
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt02664840
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0292812
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt0181064
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt09547594
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt02
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt08
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt07
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt06
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt023
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt0139623
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt041491
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt08
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt0181122
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt02
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt08
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt07
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt06
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt023
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/InvestmentIncomePYPct00.00000
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct01.00000
IRS990ScheduleA/PublicSupportPY509Pct01.00000
IRS990ScheduleA/PublicSupportTotal509Amt09728716
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt06062511
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt0527481
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt02664848
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt0292812
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0181064
IRS990ScheduleA/Total509Grp/TotalAmt09728716
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt06062511
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt0527483
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt02664856
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt0292819
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt0181070
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt09728739
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd0true
IRS990ScheduleD/ExpensesNotReportedAmt0764
IRS990ScheduleD/ExpensesSubtotalAmt05972622
IRS990ScheduleD/OtherExpensesIncludedAmt0764
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt05026
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt05146
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt010172
IRS990ScheduleD/RevenueSubtotalAmt06062511
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0BOOK / TAX DEPRECIATION DIFFERENCE 764
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 4, PART XII, LINE 2D
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05026
IRS990ScheduleD/TotalExpensesPerForm990Amt05972622
IRS990ScheduleD/TotalRevenuePerForm990Amt06062511
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt06062511
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt05973386
IRS990ScheduleG/AgrmtProfFundraisingActyInd0false
IRS990ScheduleG/FundraisingEventInformationGrp/DirectExpenseSummaryEventsAmt020064
IRS990ScheduleG/FundraisingEventInformationGrp/Event1Nm0SPECIAL EVENT
IRS990ScheduleG/FundraisingEventInformationGrp/FoodAndBeverageEvent1Amt020064
IRS990ScheduleG/FundraisingEventInformationGrp/FoodAndBeverageTotalEventsAmt020064
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent1Amt050727
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsTotalAmt050727
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueEvent1Amt050727
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueTotalEventsAmt050727
IRS990ScheduleG/FundraisingEventInformationGrp/NetIncomeSummaryAmt030663
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleM/AnyPropertyThatMustBeHeldInd0false
IRS990ScheduleM/OtherNonCashContriTableGrp/ContributionCnt032
IRS990ScheduleM/OtherNonCashContriTableGrp/NonCashCheckboxInd0X
IRS990ScheduleM/OtherNonCashContriTableGrp/NoncashContributionsRptF990Amt05351242
IRS990ScheduleM/ReviewProcessUnusualNCGiftsInd0false
IRS990ScheduleM/ThirdPartiesUsedInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE FORM 990 IS REVIEWED BY THE FINANCE COMMITTEE FROM WITHIN THE BOARD AND BY THE BOARD AS A WHOLE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION REGULARLY MONITORS FOR ANY CONFLICT OF INTERST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2COMPENSATION OF THE EXECUTIVE DIRECTOR IS APPROVED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE GOVERNING DOCUMENTS ETC., ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0NY
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0169944
IRS990/TotalAssetsEOYAmt0401025
IRS990/TotalAssetsGrp/BOYAmt0169944
IRS990/TotalAssetsGrp/EOYAmt0401025
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt05922888
IRS990/TotalEmployeeCnt09
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt050065
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt087357
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt05835200
IRS990/TotalFunctionalExpensesGrp/TotalAmt05972622
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt039619
IRS990/TotalLiabilitiesEOYAmt0181574
IRS990/TotalLiabilitiesGrp/BOYAmt039619

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