Civic Intelligence

Howell Area Chamber of Commerce

EIN 38-1323751 • 501(c)6 • Howell, MI

Profile

As a membership organization, the chamber fosters, supports and is a catalyst for a strong and diverse business base through programs that promote a viable business environment; a high quality of life; and an exceptional community in the howell area.

123 E Washington StHowell, MI 48843-2356

www.howell.org

Siviq Scores

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

Liabilities / Assets

76th percentile

0.36x

Higher debt load relative to assets than 76% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

55th percentile

0.20x

Higher debt load relative to revenue than 55% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2024

Net Margin

83rd percentile

19%

Higher net margin than 83% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

49th percentile

$134,352

Higher top officer pay than 49% of similar nonprofits.

Top officer pay equals 12.0% of source-year revenue.

501(c)6 • $1M-$5M nonprofits • Source year 2024

Asset Growth

93rd percentile

41%

Faster asset growth than 93% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

91st percentile

43%

Faster revenue growth than 91% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Assets

Up

$623,121

Up $182,077 (+41%) from 2023

Liabilities

Down

$224,708

Down $34,872 (-13%) from 2023

Net Assets

Up

$398,413

Up $216,949 (+120%) from 2023

Revenue

Up

$1,118,223

Up $334,198 (+43%) from 2023

Expenses

Up

$901,274

Up $111,651 (+14%) from 2023

Net Income

Up

$216,949

Up $222,547 (+3975%) from 2023

Trend Graphs

Balance Sheet Trend

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

$800K$600K$400K$200K$0Assets 2011: $270,296Liabilities 2011: $96,016Net Assets 2011: $174,2802011Assets 2012: $312,243Liabilities 2012: $130,212Net Assets 2012: $182,0312012Assets 2013: $288,245Liabilities 2013: $123,979Net Assets 2013: $164,2662013Assets 2014: $254,886Liabilities 2014: $111,840Net Assets 2014: $143,0462014Assets 2015: $260,502Liabilities 2015: $125,802Net Assets 2015: $134,7002015Assets 2016: $291,913Liabilities 2016: $134,186Net Assets 2016: $157,7272016Assets 2017: $295,437Liabilities 2017: $121,258Net Assets 2017: $174,1792017Assets 2018: $281,190Liabilities 2018: $108,512Net Assets 2018: $172,6782018Assets 2019: $274,601Liabilities 2019: $62,481Net Assets 2019: $212,1202019Assets 2020: $447,766Liabilities 2020: $298,546Net Assets 2020: $149,2202020Assets 2021: $439,936Liabilities 2021: $270,163Net Assets 2021: $169,7732021Assets 2022: $447,644Liabilities 2022: $260,582Net Assets 2022: $187,0622022Assets 2023: $441,044Liabilities 2023: $259,580Net Assets 2023: $181,4642023Assets 2024: $623,121Liabilities 2024: $224,708Net Assets 2024: $398,4132024

Highlighted filing

2024

Assets$623,121
Liabilities$224,708
Net Assets$398,413

Operations Trend

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

$1.5M$1.0M$500K$0-$500KExpenses 2011: $807,0862011Expenses 2012: $818,7202012Revenue 2013: $800,536Expenses 2013: $818,301Net Income 2013: -$17,7652013Revenue 2014: $771,989Expenses 2014: $792,239Net Income 2014: -$20,2502014Revenue 2015: $802,340Expenses 2015: $810,686Net Income 2015: -$8,3462015Revenue 2016: $850,267Expenses 2016: $827,240Net Income 2016: $23,0272016Revenue 2017: $864,407Expenses 2017: $847,955Net Income 2017: $16,4522017Revenue 2018: $819,644Expenses 2018: $821,153Net Income 2018: -$1,5092018Revenue 2019: $911,115Expenses 2019: $871,673Net Income 2019: $39,4422019Revenue 2020: $371,816Expenses 2020: $434,716Net Income 2020: -$62,9002020Revenue 2021: $494,981Expenses 2021: $474,428Net Income 2021: $20,5532021Revenue 2022: $675,486Expenses 2022: $658,196Net Income 2022: $17,2902022Revenue 2023: $784,025Expenses 2023: $789,623Net Income 2023: -$5,5982023Revenue 2024: $1,118,223Expenses 2024: $901,274Net Income 2024: $216,9492024

Highlighted filing

2024

Revenue$1,118,223
Expenses$901,274
Net Income$216,949

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.62$0.22$0.40$1.12$0.90$0.22
2023Detailed filing. Detailed filing data is available for this year.$0.44$0.26$0.18$0.78$0.79$0.01
2022Detailed filing. Detailed filing data is available for this year.$0.45$0.26$0.19$0.68$0.66$0.02
2021Detailed filing. Detailed filing data is available for this year.$0.44$0.27$0.17$0.49$0.47$0.02
2020Detailed filing. Detailed filing data is available for this year.$0.45$0.30$0.15$0.37$0.43$0.06
2019Detailed filing. Detailed filing data is available for this year.$0.27$0.06$0.21$0.91$0.87$0.04
2018Detailed filing. Detailed filing data is available for this year.$0.28$0.11$0.17$0.82$0.82$0.00
2017Detailed filing. Detailed filing data is available for this year.$0.30$0.12$0.17$0.86$0.85$0.02
2016Detailed filing. Detailed filing data is available for this year.$0.29$0.13$0.16$0.85$0.83$0.02
2015Detailed filing. Detailed filing data is available for this year.$0.26$0.13$0.13$0.80$0.81$0.01
2014Detailed filing. Detailed filing data is available for this year.$0.25$0.11$0.14$0.77$0.79$0.02
2013Detailed filing. Detailed filing data is available for this year.$0.29$0.12$0.16$0.80$0.82$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.31$0.13$0.18$0.82
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.27$0.10$0.17$0.81
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 10, 2025
Return Version
2024v5.0
Gross Receipts
$1,118,223
Mission and Program Overview

Mission

As a membership organization, the chamber fosters, supports, and is a catalyst for a strong and diverse business base through programs that promote a viable business enviroment; a high quality of life; and, an exceptional community in the howell area.

Our mission is to be a catalyst for a vital business environment and an exceptional community.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$103,050$207,070▲ $104,020
Cash and Non-Interest-Bearing Accounts$74,901$166,255▲ $91,354
Savings and Temporary Cash Investments$207,088$134,470▼ $72,618
Accounts Receivable$19,828$80,328▲ $60,500
Prepaid Expenses and Deferred Charges$19,435$23,004▲ $3,569
Total Assets$435,912$623,121▲ $187,209
Other Assets Total$11,610$11,994▲ $384
Liabilities
Other Liabilities$150,350$149,442▼ $908
Deferred Revenue$84,809$57,041▼ $27,768
Accounts Payable and Accrued Expenses$19,289$18,225▼ $1,064
Total Liabilities$254,448$224,708▼ $29,740
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$181,464$398,413▲ $216,949
Total Net Assets Fund Balance$181,464$398,413▲ $216,949
Total Liabilities and Net Assets / Fund Balance$435,912$623,121▲ $187,209

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$111,394$78,793$190,187
Leasehold Improvements$95,676$7,758$103,434
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Janelle SmithPresidentFT$128,692$5,660$134,352

Board Members and Trustees

Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,105,400
Investment Income
$1,181
Other Revenue
$11,642
Change in Net Assets
$216,949
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$570,101
Salaries, Compensation, and Employee Benefits$331,173
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$240,005$48,873-$288,878
All Other Expenses$68,389$15,655-$84,044
Occupancy$35,689$4,411-$40,100
Advertising$34,296--$34,296
Other Expenses$25,523--$25,523
Payroll Taxes$20,054$4,107-$24,161
Information Technology-$20,824-$20,824
Depreciation Depletion$16,441--$16,441
Fees for Services Accounting-$14,492-$14,492
Office Expenses$12,828--$12,828
Pension Plan Contributions$3,564$6,336-$9,900
Other Employee Benefits$2,964$5,270-$8,234
Insurance-$7,810-$7,810
Conferences and Meetings$562$7,211-$7,773
Interest$6,385--$6,385
Fees for Services Other$675$1,505-$2,180
Travel$732--$732
Total Functional Expenses$764,780$136,494$0$901,274
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
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Edil Loan$148,692
Rent Deposit Payable$750
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
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 6

The howell area chamber of commerce is organized with members.

Form 990, Page 6, Part VI, Line 7A

The board of directors are elected by the membership as a whole.

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

Form 990 and the related forms and schedules are reviewed by the chamber president prior to submission to the irs. Subsequently, the president reviews these documents with the executive board. If any material errors or misstatements are found, the amounts are corrected before filing.

Form 990, Page 6, Part VI, Line 12C

Due to the small size of the organization, the president and executive board monitor and enforce the conflict of interest policy. They know the employees of the organization and regularly observe the operations of the organization.

Form 990, Page 6, Part VI, Line 15A

The compensation for the ceo/president is determined by the board of directors. The board uses industry wage surveys to set compensation.

Form 990, Page 6, Part VI, Line 15B

The ceo/president sets compensation for the staff, working from a budget set by the board of directors.

Form 990, Page 6, Part VI, Line 19

Form 990 and associated forms and schedules are made available to the public or chamber's members upon request. The chamber president has an "open door" policy to anyone who would like information about the policies, procedures, and other documents of the organization. The president is available to discuss them and will provide the requested information if appropriate and if available.

Filing and Contact Details

Filer

Filer Name
Howell Area Chamber of Commerce
EIN
38-1323751
Phone
5175463920
Address
123 E WASHINGTON ST, HOWELL, MI 48843-2356

Signing Officer

Name
Janelle Smith
Title
President
Phone
5175463920
Signed
2025-10-10

Organization Details

Principal Officer
Janelle Smith
Formed
1949
Legal Domicile
Mi
Voting Board Members
14
Independent Board Members
14
Employees
7
Volunteers
60

Preparer

Firm
Bredernitz Wagner & Co Pc
Address
109 W CLINTON ST, HOWELL, MI 48843
Preparer
Gregory D Clum
Phone
5175462130
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

Support for various programs provided by organization.

Form 990, Page 2, Part III, Line 4B

The howell area chamber of commerce hosts several community events to foster the development of the business community in the howell area. Events hosted include: 1) michigan challenge balloonfest - an event complete with carnival rides, family entertainment, food vendors, and an open-air marketplace. 2) annual dinner and citizen of the year celebration - honors community leaders and spotlights key chamber programs and activities. 3) athena leadership awards - recognizes visionary, courageous, and compassionate women leaders. This prestigious program culminates in an award ceremony honoring outstanding contributions to community life and leadership development. 4) howell farmers market - held every sunday from may through october. Showcases the best of livingston county's locally grown produce, fresh fruits and vegetables, bedding plants, flowers, baked goods, homemade specialties, and artisan crafts. 5) golf classic - each year, business leaders, entrepreneurs, and community influencers come together not just to play - but to engage, collaborate, and celebrate what makes our business community thrive.

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IRS990/ProgSrvcAccomActy2Grp/Desc0THE HOWELL AREA CHAMBER OF COMMERCE HOSTS SEVERAL COMMUNITY EVENTS TO FOSTER THE DEVELOPMENT OF THE BUSINESS COMMUNITY IN THE HOWELL AREA. EVENTS HOSTED INCLUDE: 1) MICHIGAN CHALLENGE BALLOONFEST - AN EVENT COMPLETE WITH CARNIVAL RIDES, FAMILY ENTERTAINMENT, FOOD VENDORS, AND AN OPEN-AIR MARKETPLACE. 2) ANNUAL DINNER AND CITIZEN OF THE YEAR CELEBRATION - HONORS COMMUNITY LEADERS AND SPOTLIGHTS KEY CHAMBER PROGRAMS AND ACTIVITIES. 3) ATHENA LEADERSHIP AWARDS - RECOGNIZES VISIONARY, COURAGEOUS, AND COMPASSIONATE WOMEN LEADERS. THIS PRESTIGIOUS PROGRAM CULMINATES IN AN AWARD CEREMONY HONORING OUTSTANDING CONTRIBUTIONS TO COMMUNITY LIFE AND LEADERSHIP DEVELOPMENT. 4) HOWELL FARMERS MARKET - HELD EVERY SUNDAY FROM MAY THROUGH OCTOBER. SHOWCASES THE BEST OF LIVINGSTON COUNTY'S LOCALLY GROWN PRODUCE, FRESH FRUITS AND VEGETABLES, BEDDING PLANTS, FLOWERS, BAKED GOODS, HOMEMADE SPECIALTIES, AND ARTISAN CRAFTS. 5) GOLF CLASSIC - EACH YEAR, BUSINESS LEADERS, ENTREPRENEURS, AND COMMUNITY INFLUENCERS COME TOGETHER NOT JUST TO PLAY - BUT TO ENGAGE, COLLABORATE, AND CELEBRATE WHAT MAKES OUR BUSINESS COMMUNITY THRIVE.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0326676
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt0605680
IRS990/ProgSrvcAccomActy3Grp/Desc0THE LIVINGSTON BUSINESS HUB IS A VIBRANT AND DYNAMIC SHARED WORKSPACE, WHERE COLLABORATION MEETS CREATIVITY. THE HUB OFFERS AN INSPIRING AND PRODUCTIVE ENVIRONMENT, TAILORED TO MEET THE DIVERSE NEEDS OF ENTREPRENEURS, FREELANCERS, AND REMOTE WORKERS WITH STATE-OF-THE-ART AMENITIES, HIGH-SPEED INTERNET, AND FLEXIBLE WORKSPACES. THIS COWORKING SPACE FOSTERS A CULTURE OF NETWORKING AND KNOWLEDGE SHARING, PROVIDING OPPORTUNITIES TO CONNECT, LEARN, AND GROW ALONGSIDE LIKE-MINDED PROFESSIONALS.
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IRS990/PYTotalRevenueAmt0784025
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0SUPPORT FOR VARIOUS PROGRAMS PROVIDED BY ORGANIZATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE HOWELL AREA CHAMBER OF COMMERCE HOSTS SEVERAL COMMUNITY EVENTS TO FOSTER THE DEVELOPMENT OF THE BUSINESS COMMUNITY IN THE HOWELL AREA. EVENTS HOSTED INCLUDE: 1) MICHIGAN CHALLENGE BALLOONFEST - AN EVENT COMPLETE WITH CARNIVAL RIDES, FAMILY ENTERTAINMENT, FOOD VENDORS, AND AN OPEN-AIR MARKETPLACE. 2) ANNUAL DINNER AND CITIZEN OF THE YEAR CELEBRATION - HONORS COMMUNITY LEADERS AND SPOTLIGHTS KEY CHAMBER PROGRAMS AND ACTIVITIES. 3) ATHENA LEADERSHIP AWARDS - RECOGNIZES VISIONARY, COURAGEOUS, AND COMPASSIONATE WOMEN LEADERS. THIS PRESTIGIOUS PROGRAM CULMINATES IN AN AWARD CEREMONY HONORING OUTSTANDING CONTRIBUTIONS TO COMMUNITY LIFE AND LEADERSHIP DEVELOPMENT. 4) HOWELL FARMERS MARKET - HELD EVERY SUNDAY FROM MAY THROUGH OCTOBER. SHOWCASES THE BEST OF LIVINGSTON COUNTY'S LOCALLY GROWN PRODUCE, FRESH FRUITS AND VEGETABLES, BEDDING PLANTS, FLOWERS, BAKED GOODS, HOMEMADE SPECIALTIES, AND ARTISAN CRAFTS. 5) GOLF CLASSIC - EACH YEAR, BUSINESS LEADERS, ENTREPRENEURS, AND COMMUNITY INFLUENCERS COME TOGETHER NOT JUST TO PLAY - BUT TO ENGAGE, COLLABORATE, AND CELEBRATE WHAT MAKES OUR BUSINESS COMMUNITY THRIVE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE HOWELL AREA CHAMBER OF COMMERCE IS ORGANIZED WITH MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD OF DIRECTORS ARE ELECTED BY THE MEMBERSHIP AS A WHOLE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4FORM 990 AND THE RELATED FORMS AND SCHEDULES ARE REVIEWED BY THE CHAMBER PRESIDENT PRIOR TO SUBMISSION TO THE IRS. SUBSEQUENTLY, THE PRESIDENT REVIEWS THESE DOCUMENTS WITH THE EXECUTIVE BOARD. IF ANY MATERIAL ERRORS OR MISSTATEMENTS ARE FOUND, THE AMOUNTS ARE CORRECTED BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5DUE TO THE SMALL SIZE OF THE ORGANIZATION, THE PRESIDENT AND EXECUTIVE BOARD MONITOR AND ENFORCE THE CONFLICT OF INTEREST POLICY. THEY KNOW THE EMPLOYEES OF THE ORGANIZATION AND REGULARLY OBSERVE THE OPERATIONS OF THE ORGANIZATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE COMPENSATION FOR THE CEO/PRESIDENT IS DETERMINED BY THE BOARD OF DIRECTORS. THE BOARD USES INDUSTRY WAGE SURVEYS TO SET COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE CEO/PRESIDENT SETS COMPENSATION FOR THE STAFF, WORKING FROM A BUDGET SET BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8FORM 990 AND ASSOCIATED FORMS AND SCHEDULES ARE MADE AVAILABLE TO THE PUBLIC OR CHAMBER'S MEMBERS UPON REQUEST. THE CHAMBER PRESIDENT HAS AN "OPEN DOOR" POLICY TO ANYONE WHO WOULD LIKE INFORMATION ABOUT THE POLICIES, PROCEDURES, AND OTHER DOCUMENTS OF THE ORGANIZATION. THE PRESIDENT IS AVAILABLE TO DISCUSS THEM AND WILL PROVIDE THE REQUESTED INFORMATION IF APPROPRIATE AND IF AVAILABLE.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 2, PART III, LINE 4B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 19
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IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt0LOAN BALANCE
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt1CASH RECEIVED
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt2RENTAL AGREEMENT
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IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt1HOWELL C OF C FOUNDATION
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