Civic Intelligence

California Southern Small Business

EIN 33-0378044 • 501(c)3 • Bonita, CA

Profile

Underwrite service and guarantee small business loans in Southern California to assist the growth and development of small business.

PO Box 647Bonita, CA 91908

www.casouth.com

Siviq Scores

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

Liabilities / Assets

48th percentile

0.11x

Higher debt load relative to assets than 48% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2025

Liabilities / Revenue

69th percentile

0.36x

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

501(c)3 • $5M-$10M nonprofits • Source year 2025

Net Margin

88th percentile

47%

Higher net margin than 88% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2025

Top Officer Pay

82nd percentile

$250,608

Higher top officer pay than 82% of similar nonprofits.

Top officer pay equals 9.6% of source-year revenue.

501(c)3 • $5M-$10M nonprofits • Source year 2025

Asset Growth

85th percentile

27%

Faster asset growth than 85% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2024 to 2025

Revenue Growth

24th percentile

-8.0%

Faster revenue growth than 24% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets48th percentile

Assets

Up

$8,596,572

Up $4,867,473 (+131%) from 2022

Liabilities

Up

$942,072

Up $689,990 (+274%) from 2022

Net Assets

Up

$7,654,500

Up $4,177,483 (+120%) from 2022

Operations
Liabilities / Revenue69th percentileNet Margin88th percentile

Revenue

Up

$2,608,008

Up $695,441 (+36%) from 2022

Expenses

Down

$1,391,343

Down $56,458 (-3.9%) from 2022

Net Income

Up

$1,216,665

Up $751,899 (+162%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth85th percentile

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

$10M$5.0M$0Assets 2014: $335,250Liabilities 2014: $211,815Net Assets 2014: $123,4352014Assets 2015: $494,883Liabilities 2015: $192,054Net Assets 2015: $302,8292015Assets 2016: $550,355Liabilities 2016: $17,156Net Assets 2016: $533,1992016Assets 2017: $733,183Liabilities 2017: $19,103Net Assets 2017: $714,0802017Assets 2018: $740,794Liabilities 2018: $28,154Net Assets 2018: $712,6402018Assets 2019: $1,140,033Liabilities 2019: $58,309Net Assets 2019: $1,081,7242019Assets 2020: $2,085,984Liabilities 2020: $429,688Net Assets 2020: $1,656,2962020Assets 2021: $3,099,592Liabilities 2021: $87,341Net Assets 2021: $3,012,2512021Assets 2022: $3,729,099Liabilities 2022: $252,082Net Assets 2022: $3,477,0172022Assets 2025: $8,596,572Liabilities 2025: $942,072Net Assets 2025: $7,654,5002025

Highlighted filing

2025

Assets$8,596,572
Liabilities$942,072
Net Assets$7,654,500
Open 2025 Filing

Operations Trend

Revenue Growth24th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MRevenue 2014: $290,131Expenses 2014: $299,045Net Income 2014: -$8,9142014Revenue 2015: $480,111Expenses 2015: $300,717Net Income 2015: $179,3942015Revenue 2016: $660,853Expenses 2016: $430,483Net Income 2016: $230,3702016Revenue 2017: $599,854Expenses 2017: $418,973Net Income 2017: $180,8812017Revenue 2018: $471,470Expenses 2018: $472,910Net Income 2018: -$1,4402018Revenue 2019: $859,786Expenses 2019: $490,702Net Income 2019: $369,0842019Revenue 2020: $1,205,705Expenses 2020: $631,133Net Income 2020: $574,5722020Revenue 2021: $2,411,273Expenses 2021: $1,055,318Net Income 2021: $1,355,9552021Revenue 2022: $1,912,567Expenses 2022: $1,447,801Net Income 2022: $464,7662022Revenue 2025: $2,608,008Expenses 2025: $1,391,343Net Income 2025: $1,216,6652025

Highlighted filing

2025

Revenue$2,608,008
Expenses$1,391,343
Net Income$1,216,665
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$8,596,572
Liabilities
$942,072
Net assets
$7,654,500
Revenue
$2,608,008
Expenses
$1,391,343
Net income
$1,216,665
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.60$0.94$7.65$2.61$1.39$1.22
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.73$0.25$3.48$1.91$1.45$0.46
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.10$0.09$3.01$2.41$1.06$1.36
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.09$0.43$1.66$1.21$0.63$0.57
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.14$0.06$1.08$0.86$0.49$0.37
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.74$0.03$0.71$0.47$0.47$0.00
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.73$0.02$0.71$0.60$0.42$0.18
2016Detailed filing. Detailed filing data is available for this year.$0.55$0.02$0.53$0.66$0.43$0.23
2015Detailed filing. Detailed filing data is available for this year.$0.49$0.19$0.30$0.48$0.30$0.18
2014Detailed filing. Detailed filing data is available for this year.$0.34$0.21$0.12$0.29$0.30$0.01
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Jan 13, 2026
Return Version
2024v5.2
Gross Receipts
$2,608,008
Mission and Program Overview

Mission

Underwrite service and guarantee small business loans in Southern California to assist the growth and development of small business.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$4,048,665$5,719,863▲ $1,671,198
Land, Buildings, and Equipment, Net$1,657,803$1,679,794▲ $21,991
Cash and Non-Interest-Bearing Accounts$1,001,507$1,196,915▲ $195,408
Accounts Receivable$40,975$0▼ $40,975
Prepaid Expenses and Deferred Charges$381$0▼ $381
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$6,749,331$8,596,572▲ $1,847,241
Other Assets Total-$0-
Liabilities
Accounts Payable and Accrued Expenses$286,176$858,398▲ $572,222
Deferred Revenue$25,320$83,674▲ $58,354
Total Liabilities$311,496$942,072▲ $630,576
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$6,437,835$7,654,500▲ $1,216,665
Total Net Assets Fund Balance$6,437,835$7,654,500▲ $1,216,665
Total Liabilities and Net Assets / Fund Balance$6,749,331$8,596,572▲ $1,847,241

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$909,333$50,667$960,000
Land$640,000-$640,000
Leasehold Improvements$130,461$14,672$145,133
Equipment-$121,986$121,986
Compensation and Service Providers
Top Officer Pay82nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Juan Carlos HernandezPresidentFT$154,530$96,078$250,608
Ana L DavisLoan OfficerFT$70,052$135,094$205,146
Vanessa CardenasLoan OfficerFT$55,589$140,638$196,227
Karla IbanezLoan Portfolio MgrFT$142,391-$142,391

Board Members and Trustees

NameTitle
Fernando PonceChair
BARRY J SCHULTZ EsqVice Chair
Dale WineteerDirector
Kim FolsomDirector
Michel AndersonDirector
Rebecca HumphriesDirector
Viridiana Rosales TrujilloDirector
Nury Saenz EaSecretary
Ciro VillaTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$246,000
Program Service Revenue
$2,234,454
Investment Income
$127,554
Other Revenue
$0
Change in Net Assets
$1,216,665

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,608,008
Total Revenue per Audited Statements
$2,608,008
Total Revenue per Form 990
$2,608,008
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,038,346
Other Expenses$352,997
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$530,945$176,981-$707,926
Current Officers, Directors, Trustees, and Key Employees$182,010$60,670-$242,680
Occupancy$54,646$36,431-$91,077
Office Expenses$40,723$27,152-$67,875
Payroll Taxes$48,446$16,149-$64,595
Fees for Services Other$28,124$18,749-$46,873
Depreciation Depletion$26,707$17,804-$44,511
Other Employee Benefits$17,359$5,786-$23,145
Travel$10,875$7,250-$18,125
Other Expenses$3,978$2,652-$6,630
Insurance$3,566$2,377-$5,943
Total Functional Expenses$990,557$400,786$0$1,391,343

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,391,343
Total Expenses per Audited Statements$1,391,343
Total Expenses per Form 990$1,391,343
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

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

Governance Explanations

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

“Tax returns are reviewed by the management and the Board of Directors prior to filing.”

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

“Board members are required yearly to acknowledge and sign conflict of interest policy.”

Form 990, Part VI, Section B, Line 15A

“Compensation of the Executive Director and Chief Credit Officer are reviewed and approved annually by the Board of Directors.”

Form 990, Part VI, Section C, Line 19

“The organization makes its governing documents, conflict of interest and other policies, information returns and audited financial statements available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
California Southern Small Business
EIN
33-0378044
Phone
6192327771
Address
PO Box 647, Bonita, CA 91908

Signing Officer

Name
Juan Carlos Hernandez
Title
President
Signed
2026-01-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Juan Carlos Hernandez
Voting Board Members
9
Independent Board Members
9
Employees
7
Volunteers
9

Preparer

Firm
West Rhode & Roberts
Address
2741 4th Ave, San Diego, CA 92103
Preparer
Christopher M Roberts
Phone
6196155380
Supplemental Narrative

Financial Statement Notes

Part X : FIN48 Footnote

“California Southern is exempt from income taxes under Section 501(c)(3) of the Internal Revenue Code and Section 23701(d) of the California Revenue and Taxation Code. The Financial Accounting Standards Board (FASB) issued Accounting Standards Codification No. 740-10, Accounting for Uncertainties in Income Taxes, which sets a minimum threshold for financial statement recognition of the benefit of a tax position taken or expected to be taken in a tax return. California Southern has reviewed its positions for all open tax years and has determined that it has no uncertain tax positions requiring accrual or disclosure.”

Raw XML AppendixShowing 400 of 509 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.

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IRS990/Form990PartVIISectionAGrp/TitleTxt0President
IRS990/Form990PartVIISectionAGrp/TitleTxt1LOAN OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt2Loan Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt3LOAN PORTFOLIO MGR
IRS990/Form990PartVIISectionAGrp/TitleTxt4Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10Vice Chair
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0California Southern is exempt from income taxes under Section 501(c)(3) of the Internal Revenue Code and Section 23701(d) of the California Revenue and Taxation Code. The Financial Accounting Standards Board (FASB) issued Accounting Standards Codification No. 740-10, Accounting for Uncertainties in Income Taxes, which sets a minimum threshold for financial statement recognition of the benefit of a tax position taken or expected to be taken in a tax return. California Southern has reviewed its positions for all open tax years and has determined that it has no uncertain tax positions requiring accrual or disclosure.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part X : FIN48 Footnote
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