Civic Intelligence

Robert Cullen Irrevocable Trust No 523 Co Bank of Pontiac

EIN 37-6203938 • 501(c)3 • Pontiac, IL

Profile

To Supply Income to a supported governmental entity to be used as part of its operating budget.

PO Box 710Pontiac, IL 61764

n/A

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

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

Source year 2025

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2025

Net Margin

65th percentile

11%

Higher net margin than 65% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2025

Top Officer Pay

81st percentile

$406

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 1.4% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2025

Asset Growth

58th percentile

1.5%

Faster asset growth than 58% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

69th percentile

16%

Faster revenue growth than 69% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Up

$216,507

Up $3,249 (+1.5%) from 2024

Liabilities

-

No earlier filing loaded for comparison.

Net Assets

Up

$216,507

Up $3,249 (+1.5%) from 2024

Operations
Liabilities / RevenueScore unavailableNet Margin65th percentile

Revenue

Up

$29,854

Up $4,103 (+16%) from 2024

Expenses

Up

$26,605

Up $20,494 (+335%) from 2024

Net Income

Down

$3,249

Down $16,391 (-83%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth58th percentile

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

$300K$200K$100K$0Assets 2011: $199,615Liabilities 2011: $02011Assets 2012: $191,114Liabilities 2012: $02012Assets 2013: $192,222Liabilities 2013: $02013Assets 2014: $185,943Liabilities 2014: $02014Assets 2015: $185,870Liabilities 2015: $02015Assets 2016: $188,135Liabilities 2016: $02016Assets 2017: $187,037Liabilities 2017: $02017Assets 2018: $187,448Liabilities 2018: $02018Assets 2019: $187,542Liabilities 2019: $02019Assets 2020: $189,171Liabilities 2020: $0Net Assets 2020: $189,1712020Assets 2021: $200,536Liabilities 2021: $0Net Assets 2021: $200,5362021Assets 2022: $193,991Liabilities 2022: $0Net Assets 2022: $193,9912022Assets 2023: $193,618Liabilities 2023: $0Net Assets 2023: $193,6182023Assets 2024: $213,258Net Assets 2024: $213,2582024Assets 2025: $216,507Net Assets 2025: $216,5072025

Highlighted filing

2025

Assets$216,507
Liabilities-
Net Assets$216,507
Open 2025 Filing

Operations Trend

Revenue Growth69th percentile

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

$40K$20K$0-$20KRevenue 2011: $35,965Expenses 2011: $27,338Net Income 2011: $8,6272011Revenue 2012: $26,970Expenses 2012: $35,471Net Income 2012: -$8,5012012Revenue 2013: $27,851Expenses 2013: $26,743Net Income 2013: $1,1082013Revenue 2014: $21,865Expenses 2014: $28,144Net Income 2014: -$6,2792014Revenue 2015: $22,180Expenses 2015: $22,253Net Income 2015: -$732015Revenue 2016: $24,062Expenses 2016: $21,797Net Income 2016: $2,2652016Revenue 2017: $23,155Expenses 2017: $24,253Net Income 2017: -$1,0982017Revenue 2018: $24,098Expenses 2018: $23,687Net Income 2018: $4112018Revenue 2019: $24,217Expenses 2019: $24,123Net Income 2019: $942019Revenue 2020: $26,026Expenses 2020: $24,397Net Income 2020: $1,6292020Revenue 2021: $39,366Expenses 2021: $28,001Net Income 2021: $11,3652021Revenue 2022: $30,324Expenses 2022: $36,869Net Income 2022: -$6,5452022Revenue 2023: $32,581Expenses 2023: $32,954Net Income 2023: -$3732023Revenue 2024: $25,751Expenses 2024: $6,111Net Income 2024: $19,6402024Revenue 2025: $29,854Expenses 2025: $26,605Net Income 2025: $3,2492025

Highlighted filing

2025

Revenue$29,854
Expenses$26,605
Net Income$3,249
Open 2025 Filing

Filings

Most recent year

2025 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$216,507
Liabilities
-
Net assets
$216,507
Revenue
$29,854
Expenses
$26,605
Net income
$3,249
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$2.17$2.17$0.30$0.27$0.03
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.13$2.13$0.26$0.06$0.20
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.94$0.00$1.94$0.33$0.33$0.00
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.94$0.00$1.94$0.30$0.37$0.07
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.01$0.00$2.01$0.39$0.28$0.11
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.89$0.00$1.89$0.26$0.24$0.02
2019Summary only. Only limited summary data is available for this year.$1.88$0.00$0.24$0.24$0.00
2018Summary only. Only limited summary data is available for this year.$1.87$0.00$0.24$0.24$0.00
2017Summary only. Only limited summary data is available for this year.$1.87$0.00$0.23$0.24$0.01
2016Summary only. Only limited summary data is available for this year.$1.88$0.00$0.24$0.22$0.02
2015Summary only. Only limited summary data is available for this year.$1.86$0.00$0.22$0.22$0.00
2014Summary only. Only limited summary data is available for this year.$1.86$0.00$0.22$0.28$0.06
2013Summary only. Only limited summary data is available for this year.$1.92$0.00$0.28$0.27$0.01
2012Summary only. Only limited summary data is available for this year.$1.91$0.00$0.27$0.35$0.09
2011Summary only. Only limited summary data is available for this year.$2.00$0.00$0.36$0.27$0.09
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Jan 30, 2026
Return Version
2025v4.0
Gross Receipts
$29,854
Mission and Program Overview

Mission

To supply income to a supported governmental entity to be used as part of its operating budget.

Program Services

DescriptionGrantsExpenses
Flanagan Park District$20,000$20,000
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
-Trustee-$406-$406
Filing and Contact Details

Filer

Filer Name
Robert Cullen Irrevocable Trust No 523 CO Bank of Pontiac
EIN
37-6203938
Phone
8158446155
Address
PO Box 710, Pontiac, IL 61764

Signing Officer

Name
Chris Clement
Title
Sr. Trust Officer
Phone
8158446155
Signed
2026-01-30
Discuss with paid preparer
Yes

Preparer

Firm
MJ Sullivan Accounting
Address
220 N Main St, Pontiac, IL 61764
Preparer
Michael Sullivan
Phone
8154192457
Supplemental Narrative

Additional Explanations

Form 990EZ, Part I, Line 8

“Interest Income 613.”

Form 990EZ, Part I, Line 10

“Regular Grant Payment; Grant; Flanagan Park District: 204 E Falcon Hwy, Flanagan, IL, 61740; None, 20000.”

Form 990EZ, Part I, Line 16

“Insurance 177.”

Form 990EZ, Part I, Line 16

“Other Exp. 1336.”

Form 990EZ, Part I, Line 16

“Real Estate Taxes 4346.”

Raw XML Appendix151 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/BusinessNameLine1Txt0Bank of Pontiac
IRS990EZ/BooksInCareOfDetail/PhoneNum08158446155
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO Box 710
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0Pontiac
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IL
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd061764
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt0213258
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0216507
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt00
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt03249
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt0746
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0213258
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0216507
IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GainOrLossFromSaleOfAssetsAmt00
IRS990EZ/GrantsAndSimilarAmountsPaidAmt020000
IRS990EZ/GrossProfitLossSlsOfInvntryAmt00
IRS990EZ/GrossReceiptsAmt029854
IRS990EZ/GrossReceiptsForPublicUseAmt00
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InitiationFeesAndCapContriAmt00
IRS990EZ/InvestmentIncomeAmt029241
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MembershipDuesAmt00
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0213258
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0216507
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0213258
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0216507
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt01.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/BusinessName/BusinessNameLine1Txt0Bank of Pontiac
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt0406
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0Trustee
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherExpensesTotalAmt05859
IRS990EZ/OtherRevenueTotalAmt0613
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0To Supply Income to a supported governmental entity to be used as part of its operating budget.
IRS990EZ/ProgramServiceRevenueAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0Flanagan Park District
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt020000
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt020000
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt026605
IRS990EZ/TotalProgramServiceExpensesAmt020000
IRS990EZ/TotalRevenueAmt029854
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationTrustInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleA/Form990SchASupportingOrgGrp/Contribution35ControlledInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/ContributionControllerInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/ContributionFamilyInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/ControlledDisqualifiedPrsnInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/DisqualifiedPrsnControllIntInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/DisqualifiedPrsnOwnrIntInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/ExcessBusinessHoldingsRulesInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/ListedByNameGoverningDocInd0true
IRS990ScheduleA/Form990SchASupportingOrgGrp/LoanDisqualifiedPersonInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/OrganizationChangeSuprtOrgInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/PaymentSubstantialContribtrInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/SupportedOrgNotOrganizedUSInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/SupportedOrgSectionC456Ind0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/SupportNonSupportedOrgInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/SuprtOrgNoIRSDeterminationInd0false
IRS990ScheduleA/Form990SchAType3FuncIntGrp/GovernmentalEntityInd0X
IRS990ScheduleA/Form990SchAType3SprtOrgAllGrp/OfficersCloseRelationshipInd0false
IRS990ScheduleA/Form990SchAType3SprtOrgAllGrp/SupportedOrgVoiceInvestmentInd0false
IRS990ScheduleA/Form990SchAType3SprtOrgAllGrp/TimelyProvidedDocumentsInd0true
IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0The Truster of the organization supplied financial and income statements to the supported organization on a regular basis throught the year. The trustee met with the board of the supported organization to discuss that organizations financial needs and its cash flow requirements.
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0Pt IV Sec D Ln 2
IRS990ScheduleA/InvestmentIncomeCYPct00
IRS990ScheduleA/OtherSupportSumAmt00
IRS990ScheduleA/PublicSupportCY170Pct00
IRS990ScheduleA/PublicSupportCY509Pct00
IRS990ScheduleA/PublicSupportTotal509Amt00
IRS990ScheduleA/SupportedOrganizationsCnt01
IRS990ScheduleA/SupportedOrganizationsTotalCnt01
IRS990ScheduleA/SupportedOrgInformationGrp/EIN0371014367
IRS990ScheduleA/SupportedOrgInformationGrp/GoverningDocumentListedInd0true
IRS990ScheduleA/SupportedOrgInformationGrp/OrganizationTypeCd07
IRS990ScheduleA/SupportedOrgInformationGrp/OtherSupportAmt00
IRS990ScheduleA/SupportedOrgInformationGrp/SupportAmt020000
IRS990ScheduleA/SupportedOrgInformationGrp/SupportedOrganizationName/BusinessNameLine1Txt0Flanagan Park District
IRS990ScheduleA/SupportingOrganization509a3Ind0X
IRS990ScheduleA/SupportingOrgType3FuncIntInd0X
IRS990ScheduleA/SupportSumAmt020000
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Interest Income 613.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Regular Grant Payment; Grant; Flanagan Park District: 204 E Falcon Hwy, Flanagan, IL, 61740; None, 20000.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Insurance 177.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Other Exp. 1336.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Real Estate Taxes 4346.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990EZ, Part I, Line 8
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990EZ, Part I, Line 10
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990EZ, Part I, Line 16
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Chris Clement
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Sr. Trust Officer
ReturnHeader/BusinessOfficerGrp/PhoneNum08158446155
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-01-30
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Robert Cullen Irrevocable Trust No 523 CO Bank of Pontiac
ReturnHeader/Filer/BusinessNameControlTxt0ROBE
ReturnHeader/Filer/EIN0376203938
ReturnHeader/Filer/PhoneNum08158446155
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO Box 710
ReturnHeader/Filer/USAddress/CityNm0Pontiac
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd061764
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0920724889
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0MJ Sullivan Accounting
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0220 N Main St
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Pontiac
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd061764
ReturnHeader/PreparerPersonGrp/PhoneNum08154192457
ReturnHeader/PreparerPersonGrp/PreparationDt02026-02-11
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Michael Sullivan
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02026-02-11T06:47:02-08:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

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