Civic Intelligence

Alloy Development Co Inc

EIN 31-1061640 • 501(c)4 • Cincinnati, OH

Profile

Serve as a comprehensive driving force promoting economic development in hamilton county, greater cincinnati and the state of ohio.

1775 Mentor Avenue 300Cincinnati, OH 45212

www.alloydev.org

Siviq Scores

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

Liabilities / Assets

71st percentile

0.33x

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

501(c)4 • $10M-$25M nonprofits • Source year 2022

Liabilities / Revenue

49th percentile

0.18x

Higher debt load relative to revenue than 49% of similar nonprofits.

501(c)4 • $10M-$25M nonprofits • Source year 2022

Net Margin

34th percentile

1.6%

Higher net margin than 34% of similar nonprofits.

501(c)4 • $10M-$25M nonprofits • Source year 2022

Top Officer Pay

88th percentile

$252,045

Higher top officer pay than 88% of similar nonprofits.

Top officer pay equals 2.4% of source-year revenue.

$10M-$25M nonprofits • Source year 2022

Asset Growth

67th percentile

9.5%

Faster asset growth than 67% of similar nonprofits.

501(c)4 • $10M-$25M nonprofits • Annualized from 2020 to 2022

Revenue Growth

83rd percentile

45%

Faster revenue growth than 83% of similar nonprofits.

501(c)4 • $10M-$25M nonprofits • Annualized from 2020 to 2022

Assets

Up

$6,429,399

Up $505,276 (+8.5%) from 2023

Liabilities

Up

$2,424,576

Up $359,103 (+17%) from 2023

Net Assets

Up

$4,004,823

Up $146,173 (+3.8%) from 2023

Revenue

Down

$5,257,042

Down $1,281,891 (-20%) from 2023

Expenses

Down

$5,117,360

Down $1,241,302 (-20%) from 2023

Net Income

Down

$139,682

Down $40,589 (-23%) from 2023

Trend Graphs

Balance Sheet Trend

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2013: $4,166,567Liabilities 2013: $382,258Net Assets 2013: $3,784,3092013Assets 2014: $4,434,022Liabilities 2014: $905,710Net Assets 2014: $3,528,3122014Assets 2016: $4,744,671Liabilities 2016: $1,390,547Net Assets 2016: $3,354,1242016Assets 2017: $4,730,237Liabilities 2017: $1,383,629Net Assets 2017: $3,346,6082017Assets 2018: $4,697,164Liabilities 2018: $1,482,259Net Assets 2018: $3,214,9052018Assets 2019: $4,634,089Liabilities 2019: $1,389,263Net Assets 2019: $3,244,8262019Assets 2020: $4,609,721Liabilities 2020: $1,407,087Net Assets 2020: $3,202,6342020Assets 2021: $4,726,609Liabilities 2021: $1,262,747Net Assets 2021: $3,463,8622021Assets 2022: $5,524,994Liabilities 2022: $1,844,622Net Assets 2022: $3,680,3722022Assets 2023: $5,924,123Liabilities 2023: $2,065,473Net Assets 2023: $3,858,6502023Assets 2024: $6,429,399Liabilities 2024: $2,424,576Net Assets 2024: $4,004,8232024

Highlighted filing

2024

Assets$6,429,399
Liabilities$2,424,576
Net Assets$4,004,823

Operations Trend

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

$15M$10M$5.0M$0-$5.0MExpenses 2013: $2,578,6842013Revenue 2014: $2,418,455Expenses 2014: $2,674,452Net Income 2014: -$255,9972014Revenue 2016: $2,800,210Expenses 2016: $2,901,630Net Income 2016: -$101,4202016Revenue 2017: $2,979,430Expenses 2017: $2,964,725Net Income 2017: $14,7052017Revenue 2018: $3,154,851Expenses 2018: $3,280,426Net Income 2018: -$125,5752018Revenue 2019: $3,151,795Expenses 2019: $3,127,567Net Income 2019: $24,2282019Revenue 2020: $4,889,778Expenses 2020: $4,925,553Net Income 2020: -$35,7752020Revenue 2021: $7,810,614Expenses 2021: $7,549,387Net Income 2021: $261,2272021Revenue 2022: $10,336,501Expenses 2022: $10,171,411Net Income 2022: $165,0902022Revenue 2023: $6,538,933Expenses 2023: $6,358,662Net Income 2023: $180,2712023Revenue 2024: $5,257,042Expenses 2024: $5,117,360Net Income 2024: $139,6822024

Highlighted filing

2024

Revenue$5,257,042
Expenses$5,117,360
Net Income$139,682

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Oct 1, 2023 to Sep 30, 2024
Signed
May 2, 2025
Return Version
2023v6.0
Gross Receipts
$5,301,890
Mission and Program Overview

Mission

Serve as a comprehensive driving force promoting economic development in Hamilton County, Greater Cincinnati and the State of Ohio.

Promotion of economic development in hamilton county, the greater cincinnati area, and state of ohio.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$1,715,575$3,077,811▲ $1,362,236
Savings and Temporary Cash Investments$2,831,697$2,334,722▼ $496,975
Accounts Receivable$571,231$532,221▼ $39,010
Other Notes and Loans Receivable, Net$368,471$322,828▼ $45,643
Investments Other Securities$113,264$119,755▲ $6,491
Cash and Non-Interest-Bearing Accounts$316,402$29,266▼ $287,136
Prepaid Expenses and Deferred Charges$7,483$12,796▲ $5,313
Total Assets$5,924,123$6,429,399▲ $505,276
Liabilities
Unsecured Notes Loans Payable$1,264,371$1,184,732▼ $79,639
Accounts Payable and Accrued Expenses$580,248$603,223▲ $22,975
Deferred Revenue$29,450$509,450▲ $480,000
Other Liabilities$191,404$127,171▼ $64,233
Total Liabilities$2,065,473$2,424,576▲ $359,103
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$3,821,965$3,986,490▲ $164,525
Net Assets With Donor Restrictions$36,685$18,333▼ $18,352
Total Net Assets Fund Balance$3,858,650$4,004,823▲ $146,173
Total Liabilities and Net Assets / Fund Balance$5,924,123$6,429,399▲ $505,276

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,534,021$3,932,230$6,466,251
Equipment$321,707$13,061$334,768
Land$209,000-$209,000
Other Land Buildings$13,083-$13,083
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Patrick LongoPresidentPT$198,310$81,955$280,265
Harry BlantonSenior VP, Economic DevelopmentFT$180,402$22,577$202,979
Jonathan MainVice President, Commercial CapitalFT$127,435$66,275$193,710
Catherine FitzgeraldVice President, Economic DevelopmentFT$132,988$37,277$170,265
Kristi ReynekSenior VP, Finance & Human ResourcesPT$133,330$33,901$167,231
Rob HaskinsLoan OfficerFT$100,984$61,648$162,632
Daniel FergusonIndustrial Development Project ManagerFT$102,773$40,957$143,730
Jeff HasapisSenior Credit ManagerFT$119,059$7,592$126,651
Amanda ForseeLoan OfficerFT$110,712$14,126$124,838

Board Members and Trustees

NameTitle
Laurence Jones IiiChair, Board of Directors
Thomas SaelingerVice Chair, Board of Directors
Brandon SimmonsMember, Board of Directors
Brendan BurnsMember, Board of Directors
Daniel GeedingMember, Board of Directors
Jack WyantMember, Board of Directors
Joe RickardMember, Board of Directors
John StiegerMember, Board of Directors
Kyla WoodsMember, Board of Directors
Markiea CarterMember, Board of Directors
Micha MeyerMember, Board of Directors
Lisa DiedrichsSecretary, Board of Directors
Lisa HintonTreasurer, Board of Directors

Highest Paid Contractors

ContractorServicesLocationCompensation
Jostin ConstructionConstruction2335 FLORENCE AVENUE, Cincinnati, OH 45206$113,420
Revenue and Support

Revenue Composition

Contributions and Grants
$2,905,939
Program Service Revenue
$2,301,201
Investment Income
$49,315
Other Revenue
$587
All Other Contributions
$66,520
Change in Net Assets
$139,682
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$2,858,181
Grants and Similar Amounts Paid$1,264,336
Other Expenses$994,843
Total Fundraising Expense$112,103
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,407,985$37,375$19,925$1,465,285
Grants to Domestic Orgs$1,264,336--$1,264,336
Current Officers, Directors, Trustees, and Key Employees$777,154$237,297-$1,014,451
Occupancy$6,883$204,029-$210,912
Fees for Services Other$105,697$85,429$5,703$196,829
Payroll Taxes$168,574$19,120$1,626$189,320
Depreciation Depletion-$181,903-$181,903
Advertising$30,432$38,235$78,622$147,289
Other Employee Benefits$129,159-$3,071$132,230
Travel$67,560$15,647$2,024$85,231
Pension Plan Contributions$54,463$1,515$917$56,895
Insurance-$36,363-$36,363
Office Expenses$11,075$23,249$24$34,348
Fees for Services Accounting$30,219$1-$30,220
Interest$5,510$21,084-$26,594
Fees for Services Legal$8,319$1,059-$9,378
Other Expenses$1,158$1,617$191$2,775
Total Functional Expenses$4,096,153$909,104$112,103$5,117,360
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
1628 LtdCincinnati, OH-Financial Assistance$10,000
3js JanitorialCincinnati, OH-Financial Assistance$10,000
5 2 Many Dependents IncCincinnati, OH-Financial Assistance$10,000
ARNOLD'S BAR AND GRILLCincinnati, OH-Financial Assistance$10,000
Akmal DixonCincinnati, OH-Financial Assistance$10,000
Anderson Interior PaintingCincinnati, OH-Financial Assistance$10,000
Andy G ProductionsCincinnati, OH-Financial Assistance$10,000
Appearance Plus Cleaners IncCincinnati, OH-Financial Assistance$10,000
Aretha ChapmanCincinnati, OH-Financial Assistance$10,000
Aretha L WilliamsCincinnati, OH-Financial Assistance$10,000
Beauty LoungeOhio, OH-Financial Assistance$10,000
Brady a Lantz Enterprises Dba Artic DiamondCincinnati, OH-Financial Assistance$10,000
Bridgetown Quality Cleaners Dba Concord Custom Cleaners of Western HillsCincinnati, OH-Financial Assistance$10,000
Butler Heating and Cooling LLCCincinnati, OH-Financial Assistance$10,000
C S Consultants & Business ServicesCincinnati, OH-Financial Assistance$10,000
CHAMODA'S CANDY CAFESharonville, OH-Financial Assistance$10,000
Cherishing Lives Home Health Care AgencyCincinnati, OH-Financial Assistance$10,000
Chyrae N JohnsonCincinnati, OH-Financial Assistance$10,000
Cincinnati Occupational Therapy InstituteCincinnati, OH-Financial Assistance$10,000
City TaxxCincinnati, OH-Financial Assistance$10,000
Color Me Learning LLCCincinnati, OH-Financial Assistance$10,000
Complete Counseling LLCBlue Ash, OH-Financial Assistance$10,000
Court & Main Market LLCCincinnati, OH-Financial Assistance$10,000
Craft Connection LLCCincinnati, OH-Financial Assistance$10,000
Creative Kids Camp LLCCincinnati, OH-Financial Assistance$10,000
Crystal Clear ScienceCincinnati, OH-Financial Assistance$10,000
D R Ventker DdsCincinnati, OH-Financial Assistance$10,000
Dare to DanceCincinnati, OH-Financial Assistance$10,000
Diamond TaxiCincinnati, OH-Financial Assistance$10,000
Doogies Pest Management ServicesCincinnati, OH-Financial Assistance$10,000
Dr Baker & Associates the Business HospitalCincinnati, OH-Financial Assistance$10,000
Dr Frank M Davis & Associates IncCincinnati, OH-Financial Assistance$10,000
Elephant Walk RestaurantCincinnati, OH-Financial Assistance$10,000
Eye See You LLCCincinnati, OH-Financial Assistance$10,000
Famejuice LLCCincinnati, OH-Financial Assistance$10,000
Fantastic Future Childcare LLCCincinnati, OH-Financial Assistance$10,000
Focus Medical IncCincinnati, OH-Financial Assistance$10,000
Fore Apparel and Design LLCCincinnati, OH-Financial Assistance$10,000
Fourth Floor Promotions Inc Dba InnercircleCincinnati, OH-Financial Assistance$10,000
Franks Professional Cleaning ServiceCincinnati, OH-Financial Assistance$10,000
Functional Interplay Therapy LLCCincinnati, OH-Financial Assistance$10,000
Future Kids N KaboodleCincinnati, OH-Financial Assistance$10,000
Gabs Hair SalonCincinnati, OH-Financial Assistance$10,000
Gather CincyCincinnati, OH-Financial Assistance$10,000
Gibson Management Services Inc Dba Freedom Tax SvcCincinnati, OH-Financial Assistance$10,000
Gilmore EatzCincinnati, OH-Financial Assistance$10,000
Hackle General ConstructionCincinnati, OH-Financial Assistance$10,000
HbdcllcCincinnati, OH-Financial Assistance$10,000
Herbies Lawn ServiceCincinnati, OH-Financial Assistance$10,000
Hustle Money LLCCincinnati, OH-Financial Assistance$10,000
Ibp Enterprises Inc Dba - XenuviCincinnati, OH-Financial Assistance$10,000
Inclusion Building Solutions LLCCincinnati, OH-Financial Assistance$10,000
Inspiring Hearts Learning AcademyCincinnati, OH-Financial Assistance$10,000
Isabel & AssociatesCincinnati, OH-Financial Assistance$10,000
Isabel PaintingCincinnati, OH-Financial Assistance$10,000
Jackson Homes and Construction RepairsCincinnati, OH-Financial Assistance$10,000
Keeshas Home Child CareCinicnnati, OH-Financial Assistance$10,000
Kidsland Education CenterCincinnati, OH-Financial Assistance$10,000
Kidz R Just Kidz Learning ChildcareCincinnati, OH-Financial Assistance$10,000
Kiki LLCCincinnati, OH-Financial Assistance$10,000
King KutzCincinnati, OH-Financial Assistance$10,000
Kingdom Building Credit and Business SolutionsCincinnati, OH-Financial Assistance$10,000
Kold KosmeticzCincinnati, OH-Financial Assistance$10,000
Lipps & Son Construction CoCincinnati, OH-Financial Assistance$10,000
Little Dreamers Big Believers LLCCincinnati, OH-Financial Assistance$10,000
Lloyd Butler MusicCincinnati, OH-Financial Assistance$10,000
Locketts by Lex LLCCincinnati, OH-Financial Assistance$10,000
Luchys KitchenCincinnati, OH-Financial Assistance$10,000
Luxury Lengths Salon and SpaCincinnati, OH-Financial Assistance$10,000
MA'AT BUSINESS CONSULTANTSCincinnati, OH-Financial Assistance$10,000
MERIDY'S ADULT DAYCARE SERVICESCincinnati, OH-Financial Assistance$10,000
Magnetic Beats LLCSharonville, OH-Financial Assistance$10,000
Majestic Daycare IncCincinnati, OH-Financial Assistance$10,000
Martinez MaidsCincinnati, OH-Financial Assistance$10,000
Mcintosh Women of Vision Global NetworkCincinnati, OH-Financial Assistance$10,000
Mindpower Enterprises Dba My Parts ExpressCincinnati, OH-Financial Assistance$10,000
Murray Brothers IncHarrison, OH-Financial Assistance$10,000
Northside TavernCincinnati, OH-Financial Assistance$10,000
Nursing CincyCincinnati, OH-Financial Assistance$10,000
Osmic Enterprises IncCincinnati, OH-Financial Assistance$10,000
Phenomenal Woman Beauty SalonCincinnati, OH-Financial Assistance$10,000
Phillips Tax ServiceCincinnati, OH-Financial Assistance$10,000
Philo CincinnatiCincinnati, OH-Financial Assistance$10,000
Ppp Picture Perfect PaintingCincinnati, OH-Financial Assistance$10,000
Premier Mail & Fulfillment LLCCincinnati, OH-Financial Assistance$10,000
Presidential Entertainment LLCCincinnati, OH-Financial Assistance$10,000
Quan HapaCincinnati, OH-Financial Assistance$10,000
Reginas House of Style Beauty SalonCincinnati, OH-Financial Assistance$10,000
Rells Plates LLCCincinnati, OH-Financial Assistance$10,000
Royal WestCincinnati, OH-Financial Assistance$10,000
SALON OUT'LANDISHCincinnati, OH-Financial Assistance$10,000
Scotts Homestyle Cooking & CateringCincinnati, OH-Financial Assistance$10,000
Scruggs AutoCincinnati, OH-Financial Assistance$10,000
Sediment Design LLCCincinnati, OH-Financial Assistance$10,000
Sharing Salon SecretsSpringdale, OH-Financial Assistance$10,000
Silent Drip LLCCincinnati, OH-Financial Assistance$10,000
Smith & Smith FinancialCincinnati, OH-Financial Assistance$10,000
Srj Loving ChildcareCincinnati, OH-Financial Assistance$10,000
Stephanie T Harper Enterprises LLCCincinnati, OH-Financial Assistance$10,000
Sushi Cafe World of Clifton LLC Dba Mr Sushi CliftonCincinnati, OH-Financial Assistance$10,000
Taljenlew Dezignz LLCCincinnati, OH-Financial Assistance$10,000
Talk of the TownReading, OH-Financial Assistance$10,000
Thomas Rehabbing LLCCincinnati, OH-Financial Assistance$10,000
Trinity Childcare LLCCincinnati, OH-Financial Assistance$10,000
Watson CleaningCincinnati, OH-Financial Assistance$10,000
Xaishax LLCCincinnati, OH-Financial Assistance$10,000
Zyon TruckingCincinnati, OH-Financial Assistance$10,000
Revamped & RevivedCincinnati, OH-Financial Assistance$9,780
Boujee Brows LLCCincinnati, OH-Financial Assistance$8,872
Style Expressions LLCCincinnati, OH-Financial Assistance$8,740
Joci Design CompanyBlue Ash, OH-Financial Assistance$8,716
Incredible Dezin LLCCincinnati, OH-Financial Assistance$8,344
Hairport Barber Plus Nail StudioCincinnati, OH-Financial Assistance$8,326
The Angkor Emerald LLCFairfax, OH-Financial Assistance$8,106
Unique Styles by Kitty IncCincinnati, OH-Financial Assistance$8,013
Kalonhair & Chic Minks LLCCincinnati, OH-Financial Assistance$8,008
Touch Education LLCCincinnati, OH-Financial Assistance$7,942
The Village Empowerment Network for Children and FamiliesCincinnati, OH-Financial Assistance$7,424
Mary Turner CosmetologistCincinnati, OH-Financial Assistance$7,147
Sister 2 Sister FashionCincinnati, OH-Financial Assistance$7,100
Act Normal EntertainmentCincinnati, OH-Financial Assistance$6,840
MIMI'S LEARNING CENTER LLCCincinnati, OH-Financial Assistance$6,526
Clean Color Painting LLCCincinnati, OH-Financial Assistance$6,283
Tha Glam LifeCincinnnati, OH-Financial Assistance$6,269
Slayyyeddd DesignsCincinnati, OH-Financial Assistance$6,121
Decor Plus LLCCincinnati, OH-Financial Assistance$6,100
Guardian Tax ProCincinnati, OH-Financial Assistance$5,935
Alter Ego Hair SalonCincinnati, OH-Financial Assistance$5,430
Denise HudsonCincinnati, OH-Financial Assistance$5,055
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
Borrower & Tenant Deposits$127,171
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 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
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

Alloy development co inc is organized with members.

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

Alloy development co inc does have members who are actively involved in the nominating and election process.

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

Form 990 will be reviewed by the officers and directors prior to filing with the irs. Draft copies are emailed to the board for review.

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

The board of directors or committee has the authority to question a member regarding any possible conflicts of interests. At that time, the member in question will have an opportunity to explain any potential conflicts of interest not previously disclosed. It is the responsibility of the member to disclose any possible conflict of interest with the board or committee with regard to any proposed transactions or arrangements.

Form 990, Part VI, Section B, Line 15

Compensation for the president is reviewed and approved by the executive committee. Compensation for other officers, key employees, and staff is reviewed by the executive committee. The president will provide the committee with salary ranges for the upcoming year which are substantiated by third party reports. The committee will then determine what actions will be taken with regards to compensation.

Form 990, Part VI, Section C, Line 19

The organization makes available all documents required by law.

Filing and Contact Details

Filer

Filer Name
Alloy Development Co Inc
EIN
31-1061640
Phone
5136318292
Address
1775 MENTOR AVENUE 300, CINCINNATI, OH 45212

Signing Officer

Name
Patrick N Longo
Title
President
Phone
5136318292
Signed
2025-05-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Patrick N Longo
Formed
1983
Legal Domicile
Oh
Voting Board Members
13
Independent Board Members
13
Employees
26
Volunteers
13

Preparer

Firm
Clark Schaefer Hackett & Co
Address
1 EAST 4TH STREET, CINCINNATI, OH 45202
Preparer
Natosha Carr
Phone
5132413111
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

The oversight process has not changed from the prior year.

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IRS990/Form990PartVIISectionAGrp/TitleTxt3MEMBER, BOARD OF DIRECTORS
IRS990/Form990PartVIISectionAGrp/TitleTxt4MEMBER, BOARD OF DIRECTORS
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IRS990/Form990PartVIISectionAGrp/TitleTxt8MEMBER, BOARD OF DIRECTORS
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IRS990/Form990PartVIISectionAGrp/TitleTxt10VICE CHAIR, BOARD OF DIRECTORS
IRS990/Form990PartVIISectionAGrp/TitleTxt11TREASURER, BOARD OF DIRECTORS
IRS990/Form990PartVIISectionAGrp/TitleTxt12SECRETARY, BOARD OF DIRECTORS
IRS990/Form990PartVIISectionAGrp/TitleTxt13PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt14SENIOR VP, ECONOMIC DEVELOPMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt15VICE PRESIDENT, ECONOMIC DEVELOPMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt16VICE PRESIDENT, COMMERCIAL CAPITAL
IRS990/Form990PartVIISectionAGrp/TitleTxt17SENIOR VP, FINANCE & HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt18INDUSTRIAL DEVELOPMENT PROJECT MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt19LOAN OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt20SENIOR CREDIT MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt21LOAN OFFICER
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