Civic Intelligence

1381 River Valley Credit Union Inc

990 • Fiscal year 2016 • EIN 31-0547898

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 09, 2017

Organization ProfileWWW.RIVERVALLEYCU.ORG

View Organization Page

505 Earl BlvdMiamisburg, OH 45342

(937) 859-6260

Siviq Scores

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

Liabilities / Assets

62nd percentile

0.90x

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

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Liabilities / Revenue

69th percentile

20.51x

Higher debt load relative to revenue than 69% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Net Margin

13th percentile

4.8%

Higher net margin than 13% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Top Officer Pay

12th percentile

$236,169

Higher top officer pay than 12% of similar nonprofits.

Top officer pay equals 1.6% of source-year revenue.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Asset Growth

18th percentile

3.0%

Faster asset growth than 18% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Revenue Growth

3rd percentile

-4.3%

Faster revenue growth than 3% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets62nd percentile

Assets

Up

$325,378,108

Up $9,526,071 (+3.0%) from 2015

Net Assets

Up

$31,449,696

Up $716,851 (+2.3%) from 2015

Liabilities

Up

$293,928,412

Up $8,809,220 (+3.1%) from 2015

Revenue And Expenses
Liabilities / Revenue69th percentileNet Margin13th percentile

Revenue

Down

$14,331,065

Down $644,928 (-4.3%) from 2015

Expenses

Down

$13,641,118

Down $445,773 (-3.2%) from 2015

Net Income

Down

$689,947

Down $199,155 (-22%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth18th percentile

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

$600M$400M$200M$0Assets 2010: $190,469,638Liabilities 2010: $174,116,547Net Assets 2010: $16,353,0912010Assets 2011: $208,398,493Liabilities 2011: $190,476,595Net Assets 2011: $17,921,8982011Assets 2012: $218,355,615Liabilities 2012: $198,854,165Net Assets 2012: $19,501,4502012Assets 2013: $225,275,587Liabilities 2013: $204,402,957Net Assets 2013: $20,872,6302013Assets 2014: $308,785,142Liabilities 2014: $278,866,104Net Assets 2014: $29,919,0382014Assets 2015: $315,852,037Liabilities 2015: $285,119,192Net Assets 2015: $30,732,8452015Assets 2016: $325,378,108Liabilities 2016: $293,928,412Net Assets 2016: $31,449,6962016Assets 2018: $337,678,086Liabilities 2018: $303,014,510Net Assets 2018: $34,663,5762018Assets 2019: $341,757,752Liabilities 2019: $304,464,961Net Assets 2019: $37,292,7912019Assets 2020: $391,441,130Liabilities 2020: $350,598,643Net Assets 2020: $40,842,4872020Assets 2021: $417,823,521Liabilities 2021: $375,239,309Net Assets 2021: $42,584,2122021Assets 2022: $442,389,486Liabilities 2022: $402,486,356Net Assets 2022: $39,903,1302022Assets 2024: $476,344,301Liabilities 2024: $429,885,916Net Assets 2024: $46,458,3852024

Highlighted filing

2016

Assets$325,378,108
Liabilities$293,928,412
Net Assets$31,449,696
Open 2016 Filing

Operations Trend

Revenue Growth3rd percentile

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

$30M$20M$10M$0Expenses 2010: $10,323,2062010Expenses 2011: $10,282,3322011Expenses 2012: $10,031,5442012Revenue 2013: $11,136,597Expenses 2013: $9,697,151Net Income 2013: $1,439,4462013Revenue 2014: $15,590,745Expenses 2014: $12,814,011Net Income 2014: $2,776,7342014Revenue 2015: $14,975,993Expenses 2015: $14,086,891Net Income 2015: $889,1022015Revenue 2016: $14,331,065Expenses 2016: $13,641,118Net Income 2016: $689,9472016Revenue 2018: $16,772,317Expenses 2018: $15,047,613Net Income 2018: $1,724,7042018Revenue 2019: $17,942,792Expenses 2019: $15,657,213Net Income 2019: $2,285,5792019Revenue 2020: $18,006,421Expenses 2020: $15,062,630Net Income 2020: $2,943,7912020Revenue 2021: $18,188,326Expenses 2021: $14,776,286Net Income 2021: $3,412,0402021Revenue 2022: $19,820,493Expenses 2022: $16,128,781Net Income 2022: $3,691,7122022Revenue 2024: $28,126,038Expenses 2024: $24,578,258Net Income 2024: $3,547,7802024

Highlighted filing

2016

Revenue$14,331,065
Expenses$13,641,118
Net Income$689,947
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 9, 2017
Return Version
2016v3.0
Gross Receipts
$14,821,853
Mission and Program Overview

Mission

A non-profit financial institution that is owned and operated entirely by its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$246,990,023$275,915,046▲ $28,925,023
Rtn Earn Endowment Incm Other Fnds$30,732,845$31,449,696▲ $716,851
Investments Other Securities$25,103,826$25,415,966▲ $312,140
Savings and Temporary Cash Investments$18,380,443$7,372,493▼ $11,007,950
Land, Buildings, and Equipment, Net$6,617,896$6,379,824▼ $238,072
Cash and Non-Interest-Bearing Accounts$3,283,066$2,535,209▼ $747,857
Investments in Publicly Traded Securities$8,249,077$990,347▼ $7,258,730
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$315,852,037$325,378,108▲ $9,526,071
Other Assets Total$7,227,706$6,769,223▼ $458,483
Liabilities
Other Liabilities$282,422,908$290,922,373▲ $8,499,465
Accounts Payable and Accrued Expenses$2,696,284$3,006,039▲ $309,755
Total Liabilities$285,119,192$293,928,412▲ $8,809,220
Net Assets / Fund Balance
Total Net Assets Fund Balance$30,732,845$31,449,696▲ $716,851
Total Liabilities and Net Assets / Fund Balance$315,852,037$325,378,108▲ $9,526,071

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,175,358$3,178,215$7,353,573
Land$1,562,669-$1,562,669
Equipment$456,130$915,632$1,371,762
Other Land Buildings$185,667$279,595$465,262
Leasehold Improvements$0$33,387$33,387
Other Securities$5,825,327--
Compensation and Service Providers
Top Officer Pay12th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
John E BowenPresident/CEOFT$214,890$21,279$236,169
James a Roberson JrSVP/CFOFT$144,180$14,211$158,391
Lee SpiveySVP/risk ManagementFT$141,957$14,135$156,092
Gary WebbIndirect LiaisonFT$126,051$12,558$138,609
Robert L Delong JrSVP LendingFT$111,728$10,976$122,704
Suzanne M RoushVP OperationsFT$105,793$10,455$116,248
Gregg HebrankVP Sales/marketingFT$105,278$10,336$115,614

Board Members and Trustees

NameTitle
Daniel J GormanChairperson
Anne BurkeDirector
James F GriffinDirector
Jeffrey StapletonDirector
Lynda Brown WalkerDirector
Stephen HallDirector
Velma AmosDirector
Aaron BurkeSecretary
Virginia MatisTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$14,077,198
Investment Income
$253,867
Other Revenue
$0
Change in Net Assets
$689,947
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$8,197,170
Salaries, Compensation, and Employee Benefits$5,443,948
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,034,071
Interest---$1,427,017
Office Expenses---$1,078,242
Current Officers, Directors, Trustees, and Key Employees---$1,043,827
Information Technology---$770,026
Occupancy---$648,670
Other Employee Benefits---$561,516
Pension Plan Contributions---$450,207
Depreciation Depletion---$450,037
Payroll Taxes---$354,327
Other Expenses---$335,191
Fees for Services Other---$320,029
Advertising---$191,404
Fees for Services Legal---$107,111
Insurance---$81,117
Fees for Services Accounting---$40,891
Conferences and Meetings---$38,124
Total Functional Expenses$0$0$0$13,641,118
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
MEMBERS' SHARES & DEPOSITS$290,922,373
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 2

“Board directors aaron burke and anne burke are husband and wife. Employees gregg hebrank and jonathan hebrank are father/son respectively.”

Form 990, Part VI, Section A, Line 6

“Membership is required for the credit union through select group qualifications”

Form 990, Part VI, Section A, Line 7A

“The members elect the board of directors annually.”

Form 990, Part VI, Section A, Line 7B

“Certain transactions and changes to code of regulations require approval of members”

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

“The form 990 is reviewed by an officer of the organization prior to filing with the irs.”

Form 990, Part VI, Section B, Line 15

“Third party consultant used to establish comparables and the board of directors approve. The ceo approves officer compensation with assistance from a third party consultant.”

Form 990, Part VI, Section C, Line 19

“The organization's governing documents, conflict of interest policy and financial statements are available upon request.”

Filing and Contact Details

Filer

Filer Name
River Valley Credit Union Inc
EIN
31-0547898
Phone
9378596260
Address
505 EARL BLVD, MIAMISBURG, OH 45342

Signing Officer

Name
John E Bowen
Title
CEO
Phone
9378596260
Signed
2017-11-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
John E Bowen
Formed
1949
Legal Domicile
Oh
Voting Board Members
9
Independent Board Members
9
Employees
105
Volunteers
9

Preparer

Firm
Gbq Partners LLC
Address
4030 SMITH ROAD SUITE 400, CINCINNATI, OH 45209
Preparer
Gregory Heimkreiter
Phone
5138713033
Supplemental Narrative

Financial Statement Notes

PART IV, LINE 2B:

“The organization holds two custodial accounts, mortgage escrow related to real estate taxes and insurance, for the federal home loan bank in which the organization is the servicer.”

PART X, LINE 2:

“The credit union accounts for uncertainty in income taxes in its financial statements as required under fasb asc, accounting for uncertainty in income taxes. The standard prescribes a recognition threshold and measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. The standard also provides guidance on de-recognition, classification, interest and penalties, accounting in interim periods, disclosure and transition accounting. The credit union's income tax returns prior to 2013 are closed. Management determined there were no material uncertain positions taken by the credit union in its tax returns.”

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IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt025415966
IRS990/InvestmentsPubTradedSecGrp/BOYAmt08249077
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0990347
IRS990/IRPDocumentCnt04281
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt04406829
IRS990/LandBldgEquipBasisNetGrp/BOYAmt06617896
IRS990/LandBldgEquipBasisNetGrp/EOYAmt06379824
IRS990/LandBldgEquipCostOrOtherBssAmt010786653
IRS990/LegalDomicileStateCd0OH
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0490788
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0A NON-PROFIT FINANCIAL INSTITUTION THAT IS OWNED AND OPERATED ENTIRELY BY ITS MEMBERS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt030732845
IRS990/NetAssetsOrFundBalancesEOYAmt031449696
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-262662
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-262662
IRS990/NetUnrelatedBusTxblIncmAmt0-535728
IRS990/NetUnrlzdGainsLossesInvstAmt026904
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0648670
IRS990/OfficeExpensesGrp/TotalAmt01078242
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt07227706
IRS990/OtherAssetsTotalGrp/EOYAmt06769223
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0561516
IRS990/OtherExpensesGrp/Desc0PROCESSING FEES
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2OTHER EXPENSES
IRS990/OtherExpensesGrp/TotalAmt01929311
IRS990/OtherExpensesGrp/TotalAmt1780000
IRS990/OtherExpensesGrp/TotalAmt2335191
IRS990/OtherLiabilitiesGrp/BOYAmt0282422908
IRS990/OtherLiabilitiesGrp/EOYAmt0290922373
IRS990/OtherSalariesAndWagesGrp/TotalAmt03034071
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0246990023
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0275915046
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0354327
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0450207
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0JOHN E BOWEN
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522200
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & COMMISSIONS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt09825493
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt14083688
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt09825493
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt14251705
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0168017
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0633189
IRS990/PYOtherExpensesAmt08601605
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt014342804
IRS990/PYRevenuesLessExpensesAmt0889102
IRS990/PYSalariesCompEmpBnftPaidAmt05485286
IRS990/PYTotalExpensesAmt014086891
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt014975993
IRS990/ReconcilationRevenueExpnssAmt0689947
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt030732845
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt031449696
IRS990/SavingsAndTempCashInvstGrp/BOYAmt018380443
IRS990/SavingsAndTempCashInvstGrp/EOYAmt07372493
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt04175358
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03178215
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt07353573
IRS990ScheduleD/EquipmentGrp/BookValueAmt0456130
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0915632
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01371762
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt01562669
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01562669
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt033387
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt033387
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0185667
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0279595
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0465262
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0290922373
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARES & DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt013535000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt13792505
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt22263134
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt35825327
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CERTIFICATES OF DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1OTHER
IRS990ScheduleD/OtherSecuritiesGrp/Desc2CORPORATE CREDIT UNION INVESTMENT
IRS990ScheduleD/OtherSecuritiesGrp/Desc3BANK OWNED LIFE INSURANCE
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HOLDS TWO CUSTODIAL ACCOUNTS, MORTGAGE ESCROW RELATED TO REAL ESTATE TAXES AND INSURANCE, FOR THE FEDERAL HOME LOAN BANK IN WHICH THE ORGANIZATION IS THE SERVICER.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION ACCOUNTS FOR UNCERTAINTY IN INCOME TAXES IN ITS FINANCIAL STATEMENTS AS REQUIRED UNDER FASB ASC, ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES. THE STANDARD PRESCRIBES A RECOGNITION THRESHOLD AND MEASUREMENT ATTRIBUTE FOR THE FINANCIAL STATEMENT RECOGNITION AND MEASUREMENT OF A TAX POSITION TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. THE STANDARD ALSO PROVIDES GUIDANCE ON DE-RECOGNITION, CLASSIFICATION, INTEREST AND PENALTIES, ACCOUNTING IN INTERIM PERIODS, DISCLOSURE AND TRANSITION ACCOUNTING. THE CREDIT UNION'S INCOME TAX RETURNS PRIOR TO 2013 ARE CLOSED. MANAGEMENT DETERMINED THERE WERE NO MATERIAL UNCERTAIN POSITIONS TAKEN BY THE CREDIT UNION IN ITS TAX RETURNS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt06379824
IRS990ScheduleD/TotalBookValueSecuritiesAmt025415966
IRS990ScheduleD/TotalLiabilityAmt0290922373
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0214890
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1144180
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2141957
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt021279
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt114211
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt214135
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JOHN E BOWEN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1JAMES A ROBERSON JR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2LEE SPIVEY
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1SVP/CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2SVP/RISK MANAGEMENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0236169
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1158391
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2156092
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt20

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$325,378,108
Liabilities
$293,928,412
Net assets
$31,449,696
Revenue
$14,331,065
Expenses
$13,641,118
Net income
$689,947
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$476$430$46.5$28.1$24.6$3.55
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$442$402$39.9$19.8$16.1$3.69
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$418$375$42.6$18.2$14.8$3.41
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$391$351$40.8$18.0$15.1$2.94
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$342$304$37.3$17.9$15.7$2.29
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$338$303$34.7$16.8$15.0$1.72
2016Detailed filing. Detailed filing data is available for this year.$325$294$31.4$14.3$13.6$0.69
2015Detailed filing. Detailed filing data is available for this year.$316$285$30.7$15.0$14.1$0.89
2014Detailed filing. Detailed filing data is available for this year.$309$279$29.9$15.6$12.8$2.78
2013Detailed filing. Detailed filing data is available for this year.$225$204$20.9$11.1$9.70$1.44
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$218$199$19.5$10.0
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$208$190$17.9$10.3
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$190$174$16.4$10.3