Civic Intelligence

Columbiana County Mini Loan Fund Inc

EIN 34-1772362 • 501(c)3 • Youngstown, OH

Profile

To provide affordable and adequate credit to small and emerging businesses in columbiana county.

4319 Belmont AvenueYoungstown, OH 44505

n/A

Siviq Scores

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

Liabilities / Assets

99th percentile

14.44x

Higher debt load relative to assets than 99% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2015

Liabilities / Revenue

99th percentile

15.62x

Higher debt load relative to revenue than 99% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2015

Net Margin

37th percentile

-4.2%

Higher net margin than 37% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2015

Top Officer Pay

81st percentile

$0

Higher top officer pay than 81% of similar nonprofits.

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

501(c)3 • <$500k nonprofits • Source year 2015

Asset Growth

47th percentile

-3.8%

Faster asset growth than 47% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2014 to 2015

Revenue Growth

98th percentile

603%

Faster revenue growth than 98% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets99th percentile

Assets

Down

$1,986

Down $78 (-3.8%) from 2014

Liabilities

Flat

$28,686

Flat from 2014

Net Assets

Down

-$26,700

Down $78 (-0.3%) from 2014

Operations
Liabilities / Revenue99th percentileNet Margin37th percentile

Revenue

Up

$1,836

Up $1,575 (+603%) from 2014

Expenses

Down

$1,914

Down $3,536 (-65%) from 2014

Net Income

Up

-$78

Up $5,111 (+98%) from 2014

Trend Graphs

Balance Sheet Trend

Asset Growth47th percentile

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

$300K$200K$100K$0-$100KAssets 2010: $246,918Liabilities 2010: $152,904Net Assets 2010: $94,0142010Assets 2011: $150,843Liabilities 2011: $103,822Net Assets 2011: $47,0212011Assets 2012: $17,383Liabilities 2012: $35,880Net Assets 2012: -$18,4972012Assets 2013: $7,903Liabilities 2013: $29,336Net Assets 2013: -$21,4332013Assets 2014: $2,064Liabilities 2014: $28,686Net Assets 2014: -$26,6222014Assets 2015: $1,986Liabilities 2015: $28,686Net Assets 2015: -$26,7002015

Highlighted filing

2015

Assets$1,986
Liabilities$28,686
Net Assets-$26,700
Open 2015 Filing

Operations Trend

Revenue Growth98th percentile

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

$150K$100K$50K$0-$50K-$100KExpenses 2010: $72,2692010Revenue 2011: $20,584Expenses 2011: $67,577Net Income 2011: -$46,9932011Revenue 2012: $58,468Expenses 2012: $123,986Net Income 2012: -$65,5182012Revenue 2013: $274Expenses 2013: $3,210Net Income 2013: -$2,9362013Revenue 2014: $261Expenses 2014: $5,450Net Income 2014: -$5,1892014Revenue 2015: $1,836Expenses 2015: $1,914Net Income 2015: -$782015

Highlighted filing

2015

Revenue$1,836
Expenses$1,914
Net Income-$78
Open 2015 Filing

Filings

Most recent year

2015 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,986
Liabilities
$28,686
Net assets
-$26,700
Revenue
$1,836
Expenses
$1,914
Net income
-$78
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015Detailed filing. Detailed filing data is available for this year.$0.02$0.29$0.27$0.02$0.02$0.00
2014Detailed filing. Detailed filing data is available for this year.$0.02$0.29$0.27$0.00$0.05$0.05
2013Detailed filing. Detailed filing data is available for this year.$0.08$0.29$0.21$0.00$0.03$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.17$0.36$0.18$0.58$1.24$0.66
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.51$1.04$0.47$0.21$0.68$0.47
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.47$1.53$0.94$0.72
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Jun 17, 2016
Return Version
2015v2.1
Gross Receipts
$1,836
Mission and Program Overview

Mission

To provide affordable and adequate credit to small and emerging businesses in columbiana county.

Program Services

DescriptionGrantsExpenses
OPERATION OF A MINI-LOAN FUND FOR THE PURPOSE OF MAKING LOANS TO SMALL BUSINESSES TO INCREASE THEIR POTENTIAL FOR SUCCESS AND ADDRESS THEIR SMALL BUSINESS NEEDS. ALSO TO STRENGTHEN THE ECONOMIC BASE OF THE SURROUNDING AREA.-$1,914
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
STEVE VARGOPresident-$0--
JOSEPH FANTOVice Preside-$0--
VICKI HALLSecretary-$0--
GREG YASKULKATrustee-$0--
WILLIAM COWANTrustee-$0--
ERIC M BARNINGERTrustee-$0--
TIMOTHY F SHAFFERTrustee-$0--
DIANE KSIAZEKTrustee-$0--
SCOTT SPIRAKUSTrustee-$0--
Filing and Contact Details

Filer

Filer Name
Columbiana County Mini Loan
EIN
34-1772362
Phone
3307593668
Address
4319 BELMONT AVENUE, YOUNGSTOWN, OH 44505

Signing Officer

Name
Steve Vargo
Title
President
Phone
3307593668
Signed
2016-06-17
Discuss with paid preparer
Yes

Preparer

Firm
Reali Giampetro & Scott
Address
PO BOX 200, CANFIELD, OH 44406-0200
Preparer
Peter M Stanovich CPA
Phone
3307023100
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 8

“Recovery of bad debts 1,602 miscellaneous income 234 total 1,836”

Form 990-ez, Part I, Line 16

“Expenses miscellaneous expense 168 trustee fees 1,050 total 1,218”

Form 990-ez, Part II, Line 24

“Other loans receivable 106,592 43,208 less allowance 106,592 43,208 net 0 0 interest receivable 827 827 total 827 827”

Form 990-ez, Part II, Line 26

“BANK LOANS 28,686 28,686”

Form 990-ez, Part III

“To provide affordable and adequate credit to small and emerging businesses in columbiana county.”

Form 990-ez, Part III, Line 28

“Operation of a mini-loan fund for the purpose of making loans to small businesses to increase their potential for success and address their small business needs. Also to strengthen the economic base of the surrounding area.”

Raw XML Appendix159 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
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IRS990EZ/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0COLUMBIANA COUNTY MINI LOAN FUND
IRS990EZ/BooksInCareOfDetail/PhoneNum03307593668
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt04319 BELMONT AVE
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0YOUNGSTOWN
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0OH
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd044505
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt01237
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt01159
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/DonorAdvisedFndsInd0false
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IRS990EZ/ExcessOrDeficitForYearAmt0-78
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt0696
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IRS990EZ/InfoInScheduleOPartIInd0X
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IRS990EZ/MadeLoansToFromOfficersInd0false
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IRS990EZ/NetAssetsOrFundBalancesBOYAmt0-26622
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0-26700
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IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0-26700
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt8000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt70
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt80
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0STEVE VARGO
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3GREG YASKULKA
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5ERIC M BARNINGER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6TIMOTHY F SHAFFER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm7DIANE KSIAZEK
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm8SCOTT SPIRAKUS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1VICE PRESIDE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2SECRETARY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3TRUSTEE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4TRUSTEE
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IRS990EZ/OperateHospitalInd0false
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IRS990EZ/OtherAssetsTotalDetail/EOYAmt0827
IRS990EZ/OtherExpensesTotalAmt01218
IRS990EZ/OtherRevenueTotalAmt01836
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IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0TO PROVIDE AFFORDABLE AND ADEQUATE CREDIT TO SMALL AND EMERGING BUSINESSES IN COLUMBIANA COUNTY.
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IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt01914
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0OH
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt028686
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt028686
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt01914
IRS990EZ/TotalProgramServiceExpensesAmt01914
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IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0RECOVERY OF BAD DEBTS 4,300 MISCELLANEOUS INCOME 7,765
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0PART II, LINE 10
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt012000
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt012000
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IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus4YearsAmt02241
IRS990ScheduleA/OtherIncome170Grp/TotalAmt012065
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.49840
IRS990ScheduleA/PublicSupportPY170Pct00.64470
IRS990ScheduleA/PublicSupportTotal170Amt012000
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt012000
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt012000
IRS990ScheduleA/TotalSupportAmt024075
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0RECOVERY OF BAD DEBTS 1,602 MISCELLANEOUS INCOME 234 TOTAL 1,836
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1EXPENSES MISCELLANEOUS EXPENSE 168 TRUSTEE FEES 1,050 TOTAL 1,218
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2OTHER LOANS RECEIVABLE 106,592 43,208 LESS ALLOWANCE 106,592 43,208 NET 0 0 INTEREST RECEIVABLE 827 827 TOTAL 827 827
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3BANK LOANS 28,686 28,686
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4TO PROVIDE AFFORDABLE AND ADEQUATE CREDIT TO SMALL AND EMERGING BUSINESSES IN COLUMBIANA COUNTY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5OPERATION OF A MINI-LOAN FUND FOR THE PURPOSE OF MAKING LOANS TO SMALL BUSINESSES TO INCREASE THEIR POTENTIAL FOR SUCCESS AND ADDRESS THEIR SMALL BUSINESS NEEDS. ALSO TO STRENGTHEN THE ECONOMIC BASE OF THE SURROUNDING AREA.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 8
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART I, LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990-EZ, PART II, LINE 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990-EZ, PART II, LINE 26
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990-EZ, PART III
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990-EZ, PART III, LINE 28
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0STEVE VARGO
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum03307593668
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-06-17
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0COLUMBIANA COUNTY MINI LOAN
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0FUND INC
ReturnHeader/Filer/BusinessNameControlTxt0COLU
ReturnHeader/Filer/EIN0341772362
ReturnHeader/Filer/PhoneNum03307593668
ReturnHeader/Filer/USAddress/AddressLine1Txt04319 BELMONT AVENUE
ReturnHeader/Filer/USAddress/CityNm0YOUNGSTOWN
ReturnHeader/Filer/USAddress/StateAbbreviationCd0OH
ReturnHeader/Filer/USAddress/ZIPCd044505
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0341218697
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0REALI GIAMPETRO & SCOTT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO BOX 200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CANFIELD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0OH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0444060200
ReturnHeader/PreparerPersonGrp/PhoneNum03307023100
ReturnHeader/PreparerPersonGrp/PreparationDt02016-06-21
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0PETER M STANOVICH CPA
ReturnHeader/ReturnTs02016-06-21T08:14:23-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

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