Civic Intelligence

Bertha Cullen Irrevocable Trust No 522 Co Bank of Pontiac

EIN 37-6203945 • 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

76th percentile

22%

Higher net margin than 76% of similar nonprofits.

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

Top Officer Pay

81st percentile

$323

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 1.3% of source-year revenue.

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

Asset Growth

60th percentile

3.0%

Faster asset growth than 60% of similar nonprofits.

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

Revenue Growth

73rd percentile

23%

Faster revenue growth than 73% of similar nonprofits.

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

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Up

$186,863

Up $5,501 (+3.0%) from 2024

Liabilities

-

No earlier filing loaded for comparison.

Net Assets

Up

$186,863

Up $5,501 (+3.0%) from 2024

Operations
Liabilities / RevenueScore unavailableNet Margin76th percentile

Revenue

Up

$24,821

Up $4,582 (+23%) from 2024

Expenses

Up

$19,320

Up $14,453 (+297%) from 2024

Net Income

Down

$5,501

Down $9,871 (-64%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth60th percentile

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

$200K$150K$100K$50K$0Assets 2011: $172,695Liabilities 2011: $02011Assets 2012: $156,862Liabilities 2012: $02012Assets 2013: $163,613Liabilities 2013: $02013Assets 2014: $157,666Liabilities 2014: $02014Assets 2015: $159,833Liabilities 2015: $02015Assets 2016: $158,889Liabilities 2016: $02016Assets 2017: $158,705Liabilities 2017: $02017Assets 2018: $158,130Liabilities 2018: $02018Assets 2019: $159,811Liabilities 2019: $02019Assets 2020: $161,456Liabilities 2020: $0Net Assets 2020: $161,4562020Assets 2021: $165,287Liabilities 2021: $0Net Assets 2021: $165,2872021Assets 2022: $166,871Liabilities 2022: $0Net Assets 2022: $166,8712022Assets 2023: $165,990Liabilities 2023: $0Net Assets 2023: $165,9902023Assets 2024: $181,362Net Assets 2024: $181,3622024Assets 2025: $186,863Net Assets 2025: $186,8632025

Highlighted filing

2025

Assets$186,863
Liabilities-
Net Assets$186,863
Open 2025 Filing

Operations Trend

Revenue Growth73rd percentile

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

$40K$20K$0-$20KRevenue 2011: $31,454Expenses 2011: $17,201Net Income 2011: $14,2532011Revenue 2012: $14,533Expenses 2012: $30,366Net Income 2012: -$15,8332012Revenue 2013: $21,736Expenses 2013: $14,985Net Income 2013: $6,7512013Revenue 2014: $15,940Expenses 2014: $21,887Net Income 2014: -$5,9472014Revenue 2015: $17,927Expenses 2015: $15,760Net Income 2015: $2,1672015Revenue 2016: $16,926Expenses 2016: $17,870Net Income 2016: -$9442016Revenue 2017: $16,926Expenses 2017: $17,110Net Income 2017: -$1842017Revenue 2018: $16,782Expenses 2018: $17,357Net Income 2018: -$5752018Revenue 2019: $18,633Expenses 2019: $16,952Net Income 2019: $1,6812019Revenue 2020: $20,786Expenses 2020: $19,141Net Income 2020: $1,6452020Revenue 2021: $26,039Expenses 2021: $22,208Net Income 2021: $3,8312021Revenue 2022: $25,516Expenses 2022: $23,932Net Income 2022: $1,5842022Revenue 2023: $26,887Expenses 2023: $27,768Net Income 2023: -$8812023Revenue 2024: $20,239Expenses 2024: $4,867Net Income 2024: $15,3722024Revenue 2025: $24,821Expenses 2025: $19,320Net Income 2025: $5,5012025

Highlighted filing

2025

Revenue$24,821
Expenses$19,320
Net Income$5,501
Open 2025 Filing

Filings

Most recent year

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

Open filing
Assets
$186,863
Liabilities
-
Net assets
$186,863
Revenue
$24,821
Expenses
$19,320
Net income
$5,501
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$1.87$1.87$0.25$0.19$0.06
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.81$1.81$0.20$0.05$0.15
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.66$0.00$1.66$0.27$0.28$0.01
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.67$0.00$1.67$0.26$0.24$0.02
2021Detailed filing. Detailed filing data is available for this year.$1.65$0.00$1.65$0.26$0.22$0.04
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.61$0.00$1.61$0.21$0.19$0.02
2019Summary only. Only limited summary data is available for this year.$1.60$0.00$0.19$0.17$0.02
2018Summary only. Only limited summary data is available for this year.$1.58$0.00$0.17$0.17$0.01
2017Summary only. Only limited summary data is available for this year.$1.59$0.00$0.17$0.17$0.00
2016Summary only. Only limited summary data is available for this year.$1.59$0.00$0.17$0.18$0.01
2015Summary only. Only limited summary data is available for this year.$1.60$0.00$0.18$0.16$0.02
2014Summary only. Only limited summary data is available for this year.$1.58$0.00$0.16$0.22$0.06
2013Summary only. Only limited summary data is available for this year.$1.64$0.00$0.22$0.15$0.07
2012Summary only. Only limited summary data is available for this year.$1.57$0.00$0.15$0.30$0.16
2011Summary only. Only limited summary data is available for this year.$1.73$0.00$0.31$0.17$0.14
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
$24,821
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$15,000$15,000
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
-Trustee-$323-$323
Filing and Contact Details

Filer

Filer Name
Bertha Cullen Irrevocable Trust No 522 CO Bank of Pontiac
EIN
37-6203945
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 546.”

Form 990EZ, Part I, Line 8

“Other Income 100.”

Form 990EZ, Part I, Line 10

“Regular Grand Payment; Grant; Flanagan Park District: 204 E Falcon Hwy, Flanagan, IL, 61740; None, Cash 02/11/2025 15000. 15000. 15000.”

Form 990EZ, Part I, Line 16

“Real Estate Taxes 3365.”

Form 990EZ, Part I, Line 16

“Insurance 177.”

Form 990EZ, Part I, Line 16

“Other Trust Expenses”

Raw XML Appendix153 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/BOYAmt0181362
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0186863
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt00
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt05501
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt0778
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0181362
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0186863
IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GainOrLossFromSaleOfAssetsAmt00
IRS990EZ/GrantsAndSimilarAmountsPaidAmt015000
IRS990EZ/GrossProfitLossSlsOfInvntryAmt00
IRS990EZ/GrossReceiptsAmt024821
IRS990EZ/GrossReceiptsForPublicUseAmt00
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InitiationFeesAndCapContriAmt00
IRS990EZ/InvestmentIncomeAmt024175
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MembershipDuesAmt00
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0181362
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0186863
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0181362
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0186863
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt01.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/BusinessName/BusinessNameLine1Txt0Bank of Pontiac
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt0323
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0Trustee
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherExpensesTotalAmt03542
IRS990EZ/OtherRevenueTotalAmt0646
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/GrantsAndAllocationsAmt015000
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt015000
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt019320
IRS990EZ/TotalProgramServiceExpensesAmt015000
IRS990EZ/TotalRevenueAmt024821
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 trustee of the organization supplied financial and income statemetns to the supported organization on a regular basis throughty 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/OrganizationTypeCd06
IRS990ScheduleA/SupportedOrgInformationGrp/OtherSupportAmt00
IRS990ScheduleA/SupportedOrgInformationGrp/SupportAmt015000
IRS990ScheduleA/SupportedOrgInformationGrp/SupportedOrganizationName/BusinessNameLine1Txt0Flanagan Park District
IRS990ScheduleA/SupportingOrganization509a3Ind0X
IRS990ScheduleA/SupportingOrgType3FuncIntInd0X
IRS990ScheduleA/SupportSumAmt015000
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Interest 546.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Other Income 100.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Regular Grand Payment; Grant; Flanagan Park District: 204 E Falcon Hwy, Flanagan, IL, 61740; None, Cash 02/11/2025 15000. 15000. 15000.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Real Estate Taxes 3365.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Insurance 177.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Other Trust Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990EZ, Part I, Line 8
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990EZ, Part I, Line 8
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990EZ, Part I, Line 10
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 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/BusinessNameLine1Txt0Bertha Cullen Irrevocable Trust No 522 CO Bank of Pontiac
ReturnHeader/Filer/BusinessNameControlTxt0BERT
ReturnHeader/Filer/EIN0376203945
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/ReturnTs02026-02-11T06:47:47-08:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

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