Civic Intelligence

Richard R & Katherine S Ripley Edu- Cation Trust

990 • Fiscal year 2020 • EIN 36-7370344

Jan 01, 2020 to Dec 31, 2020 • Filed on Apr 19, 2021

Organization ProfileN/A
C/O Prospect Bank PO Box 400Paris, IL 61944

(217) 465-4154

Siviq Scores

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

Liabilities / Assets

55th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2020 filings • 501(c)3 • <$500k nonprofits • Source year 2020

Liabilities / Revenue

55th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2020 filings • 501(c)3 • <$500k nonprofits • Source year 2020

Net Margin

24th percentile

-16%

Higher net margin than 24% of similar nonprofits.

2020 filings • 501(c)3 • <$500k nonprofits • Source year 2020

Top Officer Pay

76th percentile

$0

Higher top officer pay than 76% of similar nonprofits.

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

2020 filings • 501(c)3 • <$500k nonprofits • Source year 2020

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2020

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2020

Balance Sheet
Liabilities / Assets55th percentile

Assets

$111,896

No earlier filing loaded for comparison.

Net Assets

$111,896

No earlier filing loaded for comparison.

Liabilities

$0

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / Revenue55th percentileNet Margin24th percentile

Revenue

$1,972

No earlier filing loaded for comparison.

Expenses

$2,287

No earlier filing loaded for comparison.

Net Income

-$315

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$150K$100K$50K$0Assets 2020: $111,896Liabilities 2020: $0Net Assets 2020: $111,8962020Assets 2021: $110,003Liabilities 2021: $0Net Assets 2021: $110,0032021Assets 2022: $107,638Liabilities 2022: $0Net Assets 2022: $107,6382022Assets 2023: $107,670Liabilities 2023: $0Net Assets 2023: $107,6702023Assets 2024: $111,905Liabilities 2024: $0Net Assets 2024: $111,9052024

Highlighted filing

2020

Assets$111,896
Liabilities$0
Net Assets$111,896
Open 2020 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$10K$5.0K$0-$5.0KRevenue 2020: $1,972Expenses 2020: $2,287Net Income 2020: -$3152020Revenue 2021: $701Expenses 2021: $2,594Net Income 2021: -$1,8932021Revenue 2022: $208Expenses 2022: $2,573Net Income 2022: -$2,3652022Revenue 2023: $2,008Expenses 2023: $1,976Net Income 2023: $322023Revenue 2024: $7,183Expenses 2024: $2,948Net Income 2024: $4,2352024

Highlighted filing

2020

Revenue$1,972
Expenses$2,287
Net Income-$315
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Apr 19, 2021
Return Version
2020v4.0
Gross Receipts
$1,972
Mission and Program Overview

Mission

To provide scholarships to oakland high school oakland, il students in area of art, science, business or teaching

To provide scholarships to oakland high school oakland, il students in the area of art, science, business or teaching

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$112,211$111,896▼ $315
Total Assets$112,211$111,896▼ $315
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$112,211$111,896▼ $315
Total Net Assets Fund Balance$112,211$111,896▼ $315
Total Liabilities and Net Assets / Fund Balance$112,211$111,896▼ $315
Compensation and Service Providers
Top Officer Pay76th percentile

Board Members and Trustees

NameTitle
John CarringtonSenior Trust
Christine M HollowellTrust Office
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$1,972
Other Revenue
$0
Change in Net Assets
$-315
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,012
Grants and Similar Amounts Paid$275
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Management-$1,682-$1,682
Fees for Services Accounting-$315-$315
Grants to Domestic Individuals$275--$275
Other Expenses-$15-$15
Total Functional Expenses$275$2,012$0$2,287
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 11B

“The board reviews form 990 and all scheduled attachements before signing and filing with the internal revenue service.”

Form 990, Page 6, Part VI, Line 19

“The financial statements including the form 990 are kept within the trust department at prospect bank located at 177 west wood street, paris, il 61944. These documents are available to the public only upon request.”

Filing and Contact Details

Filer

Filer Name
Richard & Katherine Ripley
EIN
36-7370344
Phone
2174654154
Address
C/O PROSPECT BANK PO BOX 400, PARIS, IL 61944

Signing Officer

Name
John Carrington
Title
Senior Trust Officer
Phone
2174654154
Signed
2021-04-19
Discuss with paid preparer
Yes

Organization Details

Principal Officer
John Carrington
Formed
2001
Legal Domicile
Il
Voting Board Members
3
Independent Board Members
3
Employees
0
Volunteers
3

Preparer

Firm
Dimond Financial Consultants Inc
Address
208 EAST JASPER STREET, PARIS, IL 61944
Preparer
Bernard G Lueken
Phone
2174658562
Raw XML Appendix250 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/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/TitleTxt0SENIOR TRUST
IRS990/Form990PartVIISectionAGrp/TitleTxt1TRUST OFFICE
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr02001
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt03
IRS990/GrantAmt0275
IRS990/GrantsToDomesticIndividualsGrp/ProgramServicesAmt0275
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt0275
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt01972
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt03
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt01972
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01972
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LegalDomicileStateCd0IL
IRS990/LoanOutstandingInd0false
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingCashInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0TO PROVIDE SCHOLARSHIPS TO OAKLAND HIGH SCHOOL OAKLAND, IL STUDENTS IN AREA OF ART, SCIENCE, BUSINESS OR TEACHING
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
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IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt0112211
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt0111896
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherExpensesGrp/Desc0FILING FEES
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt015
IRS990/OtherExpensesGrp/TotalAmt015
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfficerNm0JOHN CARRINGTON
IRS990/ProfessionalFundraisingInd0false
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYGrantsAndSimilarPaidAmt0145
IRS990/PYInvestmentIncomeAmt01813
IRS990/PYOtherExpensesAmt01728
IRS990/PYRevenuesLessExpensesAmt0-60
IRS990/PYTotalExpensesAmt01873
IRS990/PYTotalRevenueAmt01813
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt0-315
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
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IRS990ScheduleA/PublicSupportCY170Pct00.00010
IRS990ScheduleA/PublicSupportTotal170Amt01
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt01
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IRS990ScheduleA/TotalSupportAmt08562
IRS990/ScheduleBRequiredInd0false
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE BOARD REVIEWS FORM 990 AND ALL SCHEDULED ATTACHEMENTS BEFORE SIGNING AND FILING WITH THE INTERNAL REVENUE SERVICE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE FINANCIAL STATEMENTS INCLUDING THE FORM 990 ARE KEPT WITHIN THE TRUST DEPARTMENT AT PROSPECT BANK LOCATED AT 177 WEST WOOD STREET, PARIS, IL 61944. THESE DOCUMENTS ARE AVAILABLE TO THE PUBLIC ONLY UPON REQUEST.
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ReturnHeader/BuildTS02022-09-23 18:48:47Z
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ReturnHeader/BusinessOfficerGrp/PersonNm0JOHN CARRINGTON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0SENIOR TRUST OFFICER
ReturnHeader/BusinessOfficerGrp/PhoneNum02174654154
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-04-19
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0RICHARD & KATHERINE RIPLEY
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0EDUCATIONAL TRUST
ReturnHeader/Filer/BusinessNameControlTxt0RICH
ReturnHeader/Filer/EIN0367370344
ReturnHeader/Filer/PhoneNum02174654154
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ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd061944
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd061944
ReturnHeader/PreparerPersonGrp/PhoneNum02174658562
ReturnHeader/PreparerPersonGrp/PreparationDt02021-04-19
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BERNARD G LUEKEN
ReturnHeader/ReturnTs02021-04-24T12:56:04-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0JOHN
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0CARRINGTON
ReturnHeader/TaxPeriodBeginDt02020-01-01
ReturnHeader/TaxPeriodEndDt02020-12-31
ReturnHeader/TaxYr02020

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$111,896
Liabilities
$0
Net assets
$111,896
Revenue
$1,972
Expenses
$2,287
Net income
-$315
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.12$0.00$1.12$0.07$0.03$0.04
2023Detailed filing. Detailed filing data is available for this year.$1.08$0.00$1.08$0.02$0.02$0.00
2022Detailed filing. Detailed filing data is available for this year.$1.08$0.00$1.08$0.00$0.03$0.02
2021Detailed filing. Detailed filing data is available for this year.$1.10$0.00$1.10$0.01$0.03$0.02
2020Detailed filing. Detailed filing data is available for this year.$1.12$0.00$1.12$0.02$0.02$0.00