Civic Intelligence

Small Business Financial Exchange C/O Einstein & Burt Company LLC

EIN 36-4484037

24100 Chagrin BoulevardRoom/Suite 45044122
Siviq Scores

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

Liabilities / Assets

65th percentile

0.04x

Higher debt load relative to assets than 65% of similar nonprofits.

$500k-$1M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on the latest valid filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

No filing with officer or executive compensation is available for this organization yet.

Asset Growth

84th percentile

27%

Faster asset growth than 84% of similar nonprofits.

$500k-$1M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets65th percentile

Assets

Up

$726,199

Up $153,598 (+27%) from 2011

Liabilities

Up

$28,176

Up $28,176 from 2011

Net Assets

Up

$698,023

Up $125,422 (+22%) from 2011

Operations
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$252,641

Down $12,431 (-4.7%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset Growth84th percentile

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

$800K$600K$400K$200K$0Assets 2010: $404,868Liabilities 2010: $0Net Assets 2010: $404,8682010Assets 2011: $572,601Liabilities 2011: $0Net Assets 2011: $572,6012011Assets 2012: $726,199Liabilities 2012: $28,176Net Assets 2012: $698,0232012

Highlighted filing

2012

Assets$726,199
Liabilities$28,176
Net Assets$698,023
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$400K$300K$200K$100K$0Expenses 2010: $367,7622010Expenses 2011: $265,0722011Expenses 2012: $252,6412012

Highlighted filing

2012

Revenue-
Expenses$252,641
Net Income-
Open 2012 Filing

Filings

Most recent year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$726,199
Liabilities
$28,176
Net assets
$698,023
Revenue
-
Expenses
$252,641
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.26$0.28$6.98$2.53
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.73$0.00$5.73$2.65
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.05$0.00$4.05$3.68
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Nov 7, 2013
Return Version
2012v2.3
Gross Receipts
$352,931
Filing and Contact Details

Filer

EIN
36-4484037
Raw XML AppendixShowing 400 of 457 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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IRS990ScheduleO/GeneralExplanation/Explanation0SMALL BUSINESS FINANCIAL EXCHANGE'S CHARTER SPECIFIES FOUR PURPOSES FOR THE ORGANIZATION, AS FOLLOWS: (1) HOLDING MEETINGS OF MEMBERS TO PROVIDE SEMINARS AND WORKSHOPS CONCERNING ISSUES RELEVANT TO EXTENSIONS OF CREDIT, RISK MANAGEMENT, AND COLLECTION EFFORTS IN THE FINANCIAL INDUSTRY; (2) PROMOTE THE EXCHANGE OF SMALL BUSINESS CREDIT INFORMATION AMONG FINANCIAL INSTITUTIONS; (3) PROVIDE A FORUM FOR THE EXCHANGE OF IDEAS AND ADVANCEMENTS RELATING TO CREDIT ISSUES IN THE FINANCIAL INDUSTRY; AND (4) PURSUING OTHER METHODS TO EDUCATE MEMBERS OF THE SMALL BUSINESS FINANCIAL EXCHANGE AND THE PUBLIC ABOUT ISSUES RELATING TO SMALL BUSINESS CREDIT INFORMATION. SMALL BUSINESS FINANCIAL EXCHANGE WAS FORMED BY FINANCIAL INSTITUTIONS IN AN EFFORT TO MAKE CREDIT MORE WIDELY AVAILABLE TO THE SMALL BUSINESS COMMUNITY BY POOLING INFORMATION THAT IS NOT COMMERCIALLY AVAILABLE BUT WHICH IS REQUIRED FOR LENDING DECISIONS. SMALL BUSINESSES ARE A SIGNIFICANT SECTOR OF THE NATIONAL ECONOMY BUT FACE LARGER ODDS IN OBTAINING CREDIT THAN LARGE BUSINESSES BECAUSE COMPARABLE AND RELIABLE RISK INFORMATION IS NOT GENERALLY AVAILABLE. BECAUSE SMALL BUSINESSES COMPRISE A SIGNIFICANT SECTOR OF THE NATIONAL ECONOMY, ACCESS TO CREDIT IS CRITICAL TO THE NATIONAL ECONOMY. THEREFORE, IN ORDER TO ADDRESS THE PROBLEMS THAT SMALL BUSINESSES FACE IN OBTAINING NECESSARY CREDIT, TO BENEFIT THE INDUSTRY AS A WHOLE AND TO PERFORM A PUBLIC SERVICE BECAUSE SUCH INFORMATION IS NOT COMMERCIALLY AVAILABLE, THE MEMBERS OF THE ORGANIZATION POOL RISK INFORMATION ON A BLIND BASIS. THIS CREDIT INFORMATION IS EXCHANGED AMONG THE ORGANIZATION'S MEMBERS AND IS ALSO MADE AVAILABLE TO NONMEMBERS WHO ARE NONFINANCIAL CREDIT-GRANTING ENTITIES THAT MAKE LOANS TO SMALL BUSINESSES (BUT WHO ARE NOT MEMBERS OF THE ORGANIZATION). IN OCTOBER, 2011,THE CREDIT EXCHANGE ACTIVITY WAS TRANSFERRED FROM THE ORGANIZATION TO IT'S WHOLLY-OWNED SUBSIDIARY ENTITY WHICH CONTINUES TO CONDUCT THE CREDIT EXCHANGE ACTIVITY.
IRS990ScheduleO/GeneralExplanation/Explanation1SEE SCHEDULE O FOR COMPLETE INFORMATION.
IRS990ScheduleO/GeneralExplanation/Explanation2FORM 990 IS REVIEWED IN ITS ENTIRETY BY OUTSIDE TAX COUNSEL AND THE TREASURER.
IRS990ScheduleO/GeneralExplanation/Explanation3ORGANIZATION'S GOVERNING DOCUMENTS MAY BE OBTAINED UPON WRITTEN REQUEST SUBMITTED TO THE ATTENTION OF THE EXECUTIVE COMMITTEE OF THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation4PRIOR YEAR ACCRUAL TO CASH ADJUSTMENTS 25,132
IRS990ScheduleO/GeneralExplanation/Identifier0ORGANIZATION'S MISSION
IRS990ScheduleO/GeneralExplanation/Identifier1ALL OTHER ACCOMPLISHMENT DESCRIPTION
IRS990ScheduleO/GeneralExplanation/Identifier2ORGANIZATION'S PROCESS USED TO REVIEW FORM 990
IRS990ScheduleO/GeneralExplanation/Identifier3GOVERNING DOCUMENTS DISCLOSURE EXPLANATION
IRS990ScheduleO/GeneralExplanation/Identifier4OTHER CHANGES IN NET ASSETS EXPLANATION
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PAGE 6, PART VI, LINE 11B
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