Civic Intelligence

Bay Area Housing Inc

990 • Fiscal year 2013 • EIN 38-3130001

Jan 01, 2013 to Dec 31, 2013 • Filed on Jul 21, 2014

114 Washington AveBay City, MI 48708

(989) 893-9292

Siviq Scores

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

Liabilities / Assets

80th percentile

0.57x

Higher debt load relative to assets than 80% of similar nonprofits.

2013 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

83rd percentile

0.94x

Higher debt load relative to revenue than 83% of similar nonprofits.

2013 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2013

Net Margin

49th percentile

2.3%

Higher net margin than 49% of similar nonprofits.

2013 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

47th percentile

$40,653

Higher top officer pay than 47% of similar nonprofits.

Top officer pay equals 5.2% of source-year revenue.

2013 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2013

Asset Growth

2nd percentile

-45%

Faster asset growth than 2% of similar nonprofits.

2013 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

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

Source year 2013

Assets

Down

$1,290,471

Down $1,055,549 (-45%) from 2012

Net Assets

Down

$557,813

Down $827,287 (-60%) from 2012

Liabilities

Down

$732,658

Down $228,262 (-24%) from 2012

Revenue

$780,542

No earlier filing loaded for comparison.

Expenses

Down

$762,568

Down $339,929 (-31%) from 2012

Net Income

$17,974

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$3.0M$2.0M$1.0M$0-$1.0MAssets 2010: $2,436,993Liabilities 2010: $786,788Net Assets 2010: $1,650,2052010Assets 2011: $2,282,246Liabilities 2011: $779,131Net Assets 2011: $1,503,1152011Assets 2012: $2,346,020Liabilities 2012: $960,920Net Assets 2012: $1,385,1002012Assets 2013: $1,290,471Liabilities 2013: $732,658Net Assets 2013: $557,8132013Assets 2014: $1,262,066Liabilities 2014: $698,073Net Assets 2014: $563,9932014Assets 2015: $1,246,724Liabilities 2015: $641,384Net Assets 2015: $605,3402015Assets 2016: $1,189,191Liabilities 2016: $615,787Net Assets 2016: $573,4042016Assets 2017: $1,113,653Liabilities 2017: $553,628Net Assets 2017: $560,0252017Assets 2018: $1,098,379Liabilities 2018: $450,569Net Assets 2018: $647,8102018Assets 2019: $983,341Liabilities 2019: $334,199Net Assets 2019: $649,1422019Assets 2020: $7,978Liabilities 2020: $89,781Net Assets 2020: -$81,8032020Assets 2021: $0Liabilities 2021: $81,803Net Assets 2021: -$81,8032021

Highlighted filing

2013

Assets$1,290,471
Liabilities$732,658
Net Assets$557,813

Operations Trend

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

$2.0M$1.0M$0-$1.0MExpenses 2010: $1,226,8062010Expenses 2011: $1,324,6612011Expenses 2012: $1,102,4972012Revenue 2013: $780,542Expenses 2013: $762,568Net Income 2013: $17,9742013Revenue 2014: $1,173,845Expenses 2014: $1,167,665Net Income 2014: $6,1802014Revenue 2015: $1,237,643Expenses 2015: $1,196,296Net Income 2015: $41,3472015Revenue 2016: $995,520Expenses 2016: $1,027,456Net Income 2016: -$31,9362016Revenue 2017: $1,143,285Expenses 2017: $1,156,664Net Income 2017: -$13,3792017Revenue 2018: $818,337Expenses 2018: $730,552Net Income 2018: $87,7852018Revenue 2019: $406,273Expenses 2019: $404,942Net Income 2019: $1,3312019Revenue 2020: $149,068Expenses 2020: $898,622Net Income 2020: -$749,5542020Revenue 2021: $0Expenses 2021: $0Net Income 2021: $02021

Highlighted filing

2013

Revenue$780,542
Expenses$762,568
Net Income$17,974
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Jul 21, 2014
Return Version
2013v3.1
Gross Receipts
$780,542
Mission and Program Overview

Mission

combat community blight and deterioration

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,957,549$1,061,175▼ $896,374
Land, Buildings, and Equipment, Net$167,070$161,098▼ $5,972
Inventories for Sale or Use$91,445$0▼ $91,445
Pledges and Grants Receivable$105,958$56,094▼ $49,864
Cash and Non-Interest-Bearing Accounts$19,381$12,104▼ $7,277
Prepaid Expenses and Deferred Charges$4,617$0▼ $4,617
Savings and Temporary Cash Investments-$0-
Accounts Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Total Assets$2,346,020$1,290,471▼ $1,055,549
Other Assets Total-$0-
Liabilities
Mortgage Notes Payable Secured by Investment Property$631,272$636,693▲ $5,421
Accounts Payable and Accrued Expenses$328,910$95,227▼ $233,683
Escrow Account Liability$738$738→ $0
Total Liabilities$960,920$732,658▼ $228,262
Net Assets / Fund Balance
Unrestricted Net Assets$1,373,686$492,480▼ $881,206
Temporarily Rstr Net Assets$11,414$65,333▲ $53,919
Total Net Assets Fund Balance$1,385,100$557,813▼ $827,287
Total Liabilities and Net Assets / Fund Balance$2,346,020$1,290,471▼ $1,055,549

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$144,998$16,860$161,858
Equipment$6,100$32,116$38,216
Land$10,000-$10,000
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Erin RileyPresident & CEOFT$40,653$40,653

Board Members and Trustees

NameTitle
Christopher GirardChairman
Doug RiseVice President
Brent GettelTrustee
Debbie KieselTrustee
Frances Horgan-MooreTrustee
John JohnsonTrustee
Kim StockTrustee
Larry ArendtTrustee
Molly DoanTrustee
Maxine SheehanSecretary
Nancy GlazaTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$739,414
Program Service Revenue
$26,400
Investment Income
$22
Other Revenue
$14,706
Change in Net Assets
$17,974
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$528,009
Salaries, Compensation, and Employee Benefits$234,559
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$143,420$21,430-$164,850
Current Officers, Directors, Trustees, and Key Employees$35,368$5,285-$40,653
Insurance$33,559$5,014-$38,573
Payroll Taxes$21,285$3,181-$24,466
Interest$16,520$2,468-$18,988
Advertising$11,012$1,645-$12,657
All Other Expenses$9,223$1,377-$10,600
Occupancy$8,757$1,309-$10,066
Fees for Services Accounting$8,026$1,199-$9,225
Depreciation Depletion$5,758$860-$6,618
Other Expenses$4,396$657-$5,053
Pension Plan Contributions$3,993$597-$4,590
Conferences and Meetings$3,596$537-$4,133
Travel$1,680$251-$1,931
Fees for Services Legal$313$47-$360
Total Functional Expenses$663,437$99,131$0$762,568
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 11B: Form 990 Review Process

Provided to board prior to approval

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

available to public upon request

Filing and Contact Details

Filer

EIN
38-3130001
Phone
9898939292

Signing Officer

Name
Erin Riley
Title
President & CEO
Signed
2014-07-21
Discuss with paid preparer
No

Organization Details

Legal Domicile
Mi
Voting Board Members
11
Independent Board Members
11
Employees
10
Volunteers
2

Preparer

Preparer
Robert Klaczkiewicz
Phone
9899808606
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IRS990/OtherExpensesGrp/ManagementAndGeneralAmt16658
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt24095
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt3657
IRS990/OtherExpensesGrp/ProgramServicesAmt0284566
IRS990/OtherExpensesGrp/ProgramServicesAmt144558
IRS990/OtherExpensesGrp/ProgramServicesAmt227407
IRS990/OtherExpensesGrp/ProgramServicesAmt34396
IRS990/OtherExpensesGrp/TotalAmt0327087
IRS990/OtherExpensesGrp/TotalAmt151216
IRS990/OtherExpensesGrp/TotalAmt231502
IRS990/OtherExpensesGrp/TotalAmt35053
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt021430
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0143420
IRS990/OtherSalariesAndWagesGrp/TotalAmt0164850
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt01957549
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt01061175
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt03181
IRS990/PayrollTaxesGrp/ProgramServicesAmt021285
IRS990/PayrollTaxesGrp/TotalAmt024466
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt0597
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt03993
IRS990/PensionPlanContributionsGrp/TotalAmt04590
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt0105958
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt056094
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt04617
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PriorPeriodAdjustmentsAmt0-845261
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0Counseling fees
IRS990/ProgramServiceRevenueGrp/Desc1Fundraising
IRS990/ProgramServiceRevenueGrp/Desc2Other
IRS990/ProgramServiceRevenueGrp/Desc3Refunds
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03300
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt118693
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21120
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt33287
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03300
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt118693
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21120
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt33287
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0907844
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt065
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0829682
IRS990/PYProgramServiceRevenueAmt076573
IRS990/PYRevenuesLessExpensesAmt0-118015
IRS990/PYSalariesCompEmpBnftPaidAmt0272815
IRS990/PYTotalExpensesAmt01102497
IRS990/PYTotalRevenueAmt0984482
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt017974
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt014706
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt0780520
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt0907844
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt01128683
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt01433916
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt0893446
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt05144409
IRS990ScheduleA/GovtFurnSrvcFcltsVl509Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt022
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt065
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt01920
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt0255
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt02262
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt00
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/TotalAmt00
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt022
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt065
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt01920
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt0255
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt02262
IRS990ScheduleA/InvestmentIncomeCYPct00.00040
IRS990ScheduleA/NetIncomeFromOtherUBIGrp/TotalAmt00
IRS990ScheduleA/OtherIncome509Grp/TotalAmt00
IRS990ScheduleA/Post1975UBTIGrp/TotalAmt00
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.99960
IRS990ScheduleA/PublicSupportPY509Pct00.96550
IRS990ScheduleA/PublicSupportTotal509Amt05144409
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft509Grp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt0780520
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt0907844
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt01128683
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt01433916
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0893446
IRS990ScheduleA/Total509Grp/TotalAmt05144409
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt0780542
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt0907909
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt01130603
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt01434171
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt0893446
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt05146671
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/AgentTrusteeEtcInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0144998
IRS990ScheduleD/BuildingsGrp/DepreciationAmt016860
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0161858
IRS990ScheduleD/EquipmentGrp/BookValueAmt06100
IRS990ScheduleD/EquipmentGrp/DepreciationAmt032116
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt038216
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0true

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.08$0.08$0.00$0.00$0.00
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.01$0.09$0.08$0.15$0.90$0.75
2019Summary only. Only limited summary data is available for this year.$0.98$0.33$0.65$0.41$0.40$0.00
2018Summary only. Only limited summary data is available for this year.$1.10$0.45$0.65$0.82$0.73$0.09
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.11$0.55$0.56$1.14$1.16$0.01
2016Summary only. Only limited summary data is available for this year.$1.19$0.62$0.57$1.00$1.03$0.03
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.25$0.64$0.61$1.24$1.20$0.04
2014Detailed filing. Detailed filing data is available for this year.$1.26$0.70$0.56$1.17$1.17$0.01
2013Detailed filing. Detailed filing data is available for this year.$1.29$0.73$0.56$0.78$0.76$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.35$0.96$1.39$1.10
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.28$0.78$1.50$1.32
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.44$0.79$1.65$1.23