Civic Intelligence

Virginia Affordable Housing Loan Fund

990EZ • Fiscal year 2013 • EIN 31-1788400

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 13, 2014

Organization ProfileWWW.LNDF.ORG
927 Church St24504

(434) 846-6964

Siviq Scores

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

Liabilities / Assets

96th percentile

1.53x

Higher debt load relative to assets than 96% of similar nonprofits.

2013 filings • 501(c)3 • <$500k nonprofits • Source year 2013

Liabilities / Revenue

100th percentile

22.90x

Higher debt load relative to revenue than 100% of similar nonprofits.

2013 filings • 501(c)3 • <$500k nonprofits • Source year 2013

Net Margin

18th percentile

-16%

Higher net margin than 18% of similar nonprofits.

2013 filings • 501(c)3 • <$500k nonprofits • Source year 2013

Top Officer Pay

73rd percentile

$0

Higher top officer pay than 73% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2013 filings • 501(c)3 • <$500k nonprofits • Source year 2013

Asset Growth

75th percentile

25%

Faster asset growth than 75% of similar nonprofits.

2013 filings • 501(c)3 • <$500k nonprofits • Annualized from 2012 to 2013

Revenue Growth

96th percentile

193%

Faster revenue growth than 96% of similar nonprofits.

2013 filings • 501(c)3 • <$500k nonprofits • Annualized from 2012 to 2013

Balance Sheet
Liabilities / Assets96th percentile

Assets

$166,242

No earlier filing loaded for comparison.

Net Assets

-$87,425

No earlier filing loaded for comparison.

Liabilities

$253,667

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / Revenue100th percentileNet Margin18th percentile

Revenue

$11,079

No earlier filing loaded for comparison.

Expenses

$12,855

No earlier filing loaded for comparison.

Net Income

-$1,776

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth75th percentile

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

$1.0M$500K$0-$500KAssets 2013: $166,242Liabilities 2013: $253,667Net Assets 2013: -$87,4252013Assets 2014: $166,368Liabilities 2014: $253,667Net Assets 2014: -$87,2992014Assets 2015: $166,231Liabilities 2015: $253,667Net Assets 2015: -$87,4362015Assets 2016: $142,159Liabilities 2016: $253,667Net Assets 2016: -$111,5082016Assets 2019: $140,505Liabilities 2019: $253,667Net Assets 2019: -$113,1622019Assets 2020: $16,773Liabilities 2020: $0Net Assets 2020: $16,7732020Assets 2021: $223,623Liabilities 2021: $224,847Net Assets 2021: -$1,2242021Assets 2022: $275,065Liabilities 2022: $257,332Net Assets 2022: $17,7332022Assets 2024: $738,584Liabilities 2024: $637,349Net Assets 2024: $101,2352024

Highlighted filing

2013

Assets$166,242
Liabilities$253,667
Net Assets-$87,425
Open 2013 Filing

Operations Trend

Revenue Growth96th percentile

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

$150K$100K$50K$0-$50KRevenue 2013: $11,079Expenses 2013: $12,855Net Income 2013: -$1,7762013Revenue 2014: $2,040Expenses 2014: $1,914Net Income 2014: $1262014Revenue 2015: $804Expenses 2015: $941Net Income 2015: -$1372015Revenue 2016: $1,172Expenses 2016: $25,244Net Income 2016: -$24,0722016Revenue 2019: $70Expenses 2019: $1,191Net Income 2019: -$1,1212019Revenue 2020: $133,211Expenses 2020: $3,276Net Income 2020: $129,9352020Revenue 2021: $5,787Expenses 2021: $3,939Net Income 2021: $1,8482021Revenue 2022: $27,748Expenses 2022: $8,791Net Income 2022: $18,9572022Revenue 2024: $101,192Expenses 2024: $38,930Net Income 2024: $62,2622024

Highlighted filing

2013

Revenue$11,079
Expenses$12,855
Net Income-$1,776
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 13, 2014
Return Version
2013v3.1
Gross Receipts
$11,079
Mission and Program Overview

Mission

Housing loans to low income individuals

Program Services

DescriptionGrantsExpenses
TO MARKET AND FIND QUALIFIED BORROWERS FOR LYNCHBURG COMMUNITY LOAN PRODUCTS, WHICH ARE DESIGNED TO INCREASE AFFORDABLILTY AND ACCESS TO CREDIT FOR LOW TO MODERATE INCOME PERSONS.-$10,431
Compensation and Service Providers
Top Officer Pay73rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
AUBREY BARBOURDirector-$0--
WM TRACEY SHAWPresident-$0--
BOB ADAMSTreasurer-$0--
ED MCCANNDirector-$0--
GEORGE RANDOLPHDirector-$0--
VICKI ROBINSONDirector-$0--
TOM SEAMANDirector-$0--
STUART TURILLEVice President-$0--
STEWART HOBBS JRDirector-$0--
Filing and Contact Details

Filer

EIN
31-1788400
Phone
4348466964

Signing Officer

Name
Stuart Turille
Title
Vice President
Phone
4348466964
Signed
2014-11-13

Preparer

Preparer
Thomas E Turnercpa
Phone
8043552808
Supplemental Narrative

Additional Explanations

Form 990EZ, Part I, Line 16

“Program expenses 2427. Administrative expenses 4091. Program interest 6337.”

Form 990EZ, Part I, Line 20

“Prior year adjustent 5169.”

Form 990EZ, Part II, Line 24

“Notes receivable 66715. 56560. Due from related party 63946. 85012.”

Form 990EZ, Part II, Line 26

“Vop loans 224162. 253667.”

Raw XML Appendix171 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
IRS990EZ/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/BooksInCareOfDetail/BusinessName/BusinessNameLine10AB KRAMER GROUP
IRS990EZ/BooksInCareOfDetail/PhoneNum08884129031
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine10627 Clearview Circle
IRS990EZ/BooksInCareOfDetail/USAddress/City0RUSTBURG
IRS990EZ/BooksInCareOfDetail/USAddress/State0VA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCode024588
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt02683
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt024670
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt07500
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-1776
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0133344
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0166242
IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GainOrLossFromSaleOfAssetsAmt00
IRS990EZ/GamingGrossIncomeAmt00
IRS990EZ/GrossProfitLossSlsOfInvntryAmt00
IRS990EZ/GrossReceiptsAmt011079
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt03579
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MembershipDuesAmt00
IRS990EZ/MethodOfAccountingAccrualInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0-90818
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0-87425
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0-90818
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0-87425
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt00.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt10.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt20.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt30.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt40.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt50.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt60.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt70.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt80.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt70
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt80
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0AUBREY BARBOUR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1WM TRACEY SHAW
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2BOB ADAMS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3ED MCCANN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4GEORGE RANDOLPH
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5VICKI ROBINSON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6TOM SEAMAN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm7STUART TURILLE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm8STEWART HOBBS JR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2TREASURER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt7VICE PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt8DIRECTOR
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt0130661
IRS990EZ/OtherAssetsTotalDetail/EOYAmt0141572
IRS990EZ/OtherChangesInNetAssetsAmt05169
IRS990EZ/OtherExpensesTotalAmt012855
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0HOUSING LOANS TO LOW INCOME INDIVIDUALS
IRS990EZ/ProgramServiceRevenueAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0TO MARKET AND FIND QUALIFIED BORROWERS FOR LYNCHBURG COMMUNITY LOAN PRODUCTS, WHICH ARE DESIGNED TO INCREASE AFFORDABLILTY AND ACCESS TO CREDIT FOR LOW TO MODERATE INCOME PERSONS.
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt010431
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt0224162
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt0253667
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt012855
IRS990EZ/TotalProgramServiceExpensesAmt010431
IRS990EZ/TotalRevenueAmt011079
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0WWW.LNDF.ORG
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt07500
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0122
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt05000
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0421
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt013043
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt03579
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt03653
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt019587
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt04690
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt03761
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt035270
IRS990ScheduleA/InvestmentIncomeCYPct00
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.27000
IRS990ScheduleA/PublicSupportCY509Pct00
IRS990ScheduleA/PublicSupportPY170Pct00.48260
IRS990ScheduleA/PublicSupportTotal170Amt013043
IRS990ScheduleA/PublicSupportTotal509Amt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsPY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt07500
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0122
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt05000
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0421
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt013043
IRS990ScheduleA/TotalSupportAmt048313
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
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0PROGRAM EXPENSES 2427. ADMINISTRATIVE EXPENSES 4091. PROGRAM INTEREST 6337.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1PRIOR YEAR ADJUSTENT 5169.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2NOTES RECEIVABLE 66715. 56560. DUE FROM RELATED PARTY 63946. 85012.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3VOP LOANS 224162. 253667.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990EZ, Part I, Line 20
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990EZ, Part II, Line 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990EZ, Part II, Line 26
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/PersonNm0STUART TURILLE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0VICE PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum04348466964
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-11-13
ReturnHeader/Filer/BusinessName/BusinessNameLine10LYNCHBURG COMMUNITY LOAN FUND
ReturnHeader/Filer/BusinessNameControlTxt0LYNC
ReturnHeader/Filer/EIN0311788400
ReturnHeader/Filer/PhoneNum04348466964
ReturnHeader/Filer/USAddress/AddressLine10927 CHURCH ST
ReturnHeader/Filer/USAddress/City0LYNCHBURG
ReturnHeader/Filer/USAddress/State0VA
ReturnHeader/Filer/USAddress/ZIPCode024504
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10DOOLEY & VICARS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1021 S SHEPPARD ST
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0RICHMOND
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0VA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode023221
ReturnHeader/PreparerPersonGrp/PhoneNum08043552808
ReturnHeader/PreparerPersonGrp/PreparationDt02014-11-17
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0THOMAS E TURNERCPA
ReturnHeader/ReturnTs02014-11-17T12:19:39-08:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$166,242
Liabilities
$253,667
Net assets
-$87,425
Revenue
$11,079
Expenses
$12,855
Net income
-$1,776
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.39$6.37$1.01$1.01$0.39$0.62
2022Detailed filing. Detailed filing data is available for this year.$2.75$2.57$0.18$0.28$0.09$0.19
2021Detailed filing. Detailed filing data is available for this year.$2.24$2.25$0.01$0.06$0.04$0.02
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.17$0.00$0.17$1.33$0.03$1.30
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.41$2.54$1.13$0.00$0.01$0.01
2016Detailed filing. Detailed filing data is available for this year.$1.42$2.54$1.12$0.01$0.25$0.24
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.66$2.54$0.87$0.01$0.01$0.00
2014Detailed filing. Detailed filing data is available for this year.$1.66$2.54$0.87$0.02$0.02$0.00
2013Detailed filing. Detailed filing data is available for this year.$1.66$2.54$0.87$0.11$0.13$0.02