Civic Intelligence

Hayward Area Chamber of Commerce

EIN 39-0963079 • 501(c)6 • Hayward, WI

Profile

Promotion/development of the area & businesses

PO Box 726Hayward, WI 54843

www.haywardareachamber.com

Siviq Scores

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

Liabilities / Assets

87th percentile

0.45x

Higher debt load relative to assets than 87% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Source year 2024

Liabilities / Revenue

95th percentile

0.79x

Higher debt load relative to revenue than 95% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Source year 2024

Net Margin

31st percentile

-2.4%

Higher net margin than 31% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Source year 2024

Top Officer Pay

49th percentile

$0

Higher top officer pay than 49% of similar nonprofits.

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

501(c)6 • $500k-$1M nonprofits • Source year 2024

Asset Growth

47th percentile

2.7%

Faster asset growth than 47% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Revenue Growth

30th percentile

-2.5%

Faster revenue growth than 30% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Assets

Up

$670,290

Up $17,590 (+2.7%) from 2023

Liabilities

Up

$301,635

Up $26,795 (+9.7%) from 2023

Net Assets

Down

$368,655

Down $9,205 (-2.4%) from 2023

Revenue

Down

$380,795

Down $9,765 (-2.5%) from 2023

Expenses

Up

$390,000

Up $39,829 (+11%) from 2023

Net Income

Down

-$9,205

Down $49,594 (-123%) from 2023

Trend Graphs

Balance Sheet Trend

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

$800K$600K$400K$200K$0Assets 2010: $128,884Liabilities 2010: $45,503Net Assets 2010: $83,3812010Assets 2011: $122,444Liabilities 2011: $59,080Net Assets 2011: $63,3642011Assets 2012: $100,660Liabilities 2012: $50,222Net Assets 2012: $50,4382012Assets 2013: $102,481Liabilities 2013: $56,791Net Assets 2013: $45,6902013Assets 2014: $93,808Liabilities 2014: $59,182Net Assets 2014: $34,6262014Assets 2015: $120,671Liabilities 2015: $58,557Net Assets 2015: $62,1142015Assets 2016: $105,254Liabilities 2016: $66,451Net Assets 2016: $38,8032016Assets 2017: $101,633Liabilities 2017: $74,142Net Assets 2017: $27,4912017Assets 2018: $143,664Liabilities 2018: $86,656Net Assets 2018: $57,0082018Assets 2019: $150,846Liabilities 2019: $94,352Net Assets 2019: $56,4942019Assets 2020: $280,184Liabilities 2020: $163,599Net Assets 2020: $116,5852020Assets 2021: $509,204Liabilities 2021: $289,003Net Assets 2021: $220,2012021Assets 2022: $637,920Liabilities 2022: $300,449Net Assets 2022: $337,4712022Assets 2023: $652,700Liabilities 2023: $274,840Net Assets 2023: $377,8602023Assets 2024: $670,290Liabilities 2024: $301,635Net Assets 2024: $368,6552024

Highlighted filing

2024

Assets$670,290
Liabilities$301,635
Net Assets$368,655

Operations Trend

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

$600K$400K$200K$0-$200KExpenses 2010: $226,5482010Expenses 2011: $246,5602011Expenses 2012: $250,2342012Revenue 2013: $229,023Expenses 2013: $233,771Net Income 2013: -$4,7482013Revenue 2014: $233,689Expenses 2014: $243,239Net Income 2014: -$9,5502014Revenue 2015: $228,622Expenses 2015: $201,134Net Income 2015: $27,4882015Revenue 2016: $214,158Expenses 2016: $237,469Net Income 2016: -$23,3112016Revenue 2017: $227,157Expenses 2017: $238,469Net Income 2017: -$11,3122017Revenue 2018: $271,540Expenses 2018: $242,023Net Income 2018: $29,5172018Revenue 2019: $258,059Expenses 2019: $258,573Net Income 2019: -$5142019Revenue 2020: $286,921Expenses 2020: $226,830Net Income 2020: $60,0912020Revenue 2021: $383,710Expenses 2021: $280,094Net Income 2021: $103,6162021Revenue 2022: $402,188Expenses 2022: $284,918Net Income 2022: $117,2702022Revenue 2023: $390,560Expenses 2023: $350,171Net Income 2023: $40,3892023Revenue 2024: $380,795Expenses 2024: $390,000Net Income 2024: -$9,2052024

Highlighted filing

2024

Revenue$380,795
Expenses$390,000
Net Income-$9,205

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$6.70$3.02$3.69$3.81$3.90$0.09
2023Detailed filing. Detailed filing data is available for this year.$6.53$2.75$3.78$3.91$3.50$0.40
2022Detailed filing. Detailed filing data is available for this year.$6.38$3.00$3.37$4.02$2.85$1.17
2021Detailed filing. Detailed filing data is available for this year.$5.09$2.89$2.20$3.84$2.80$1.04
2020Detailed filing. Detailed filing data is available for this year.$2.80$1.64$1.17$2.87$2.27$0.60
2019Detailed filing. Detailed filing data is available for this year.$1.51$0.94$0.56$2.58$2.59$0.01
2018Detailed filing. Detailed filing data is available for this year.$1.44$0.87$0.57$2.72$2.42$0.30
2017Detailed filing. Detailed filing data is available for this year.$1.02$0.74$0.27$2.27$2.38$0.11
2016Detailed filing. Detailed filing data is available for this year.$1.05$0.66$0.39$2.14$2.37$0.23
2015Detailed filing. Detailed filing data is available for this year.$1.21$0.59$0.62$2.29$2.01$0.27
2014Detailed filing. Detailed filing data is available for this year.$0.94$0.59$0.35$2.34$2.43$0.10
2013Detailed filing. Detailed filing data is available for this year.$1.02$0.57$0.46$2.29$2.34$0.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.01$0.50$0.50$2.50
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.22$0.59$0.63$2.47
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.29$0.46$0.83$2.27
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jun 19, 2025
Return Version
2024v5.1
Gross Receipts
$476,320
Mission and Program Overview

Mission

Promotion/development of the area & businesses

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$555,922$574,864▲ $18,942
Savings and Temporary Cash Investments$60,461$61,881▲ $1,420
Land, Buildings, and Equipment, Net$21,135$19,680▼ $1,455
Accounts Receivable$10,299$13,865▲ $3,566
Total Assets$652,700$670,290▲ $17,590
Other Assets Total$4,883$0▼ $4,883
Liabilities
Other Liabilities$152,089$157,579▲ $5,490
Unsecured Notes Loans Payable$122,751$120,056▼ $2,695
Deferred Revenue-$24,000-
Total Liabilities$274,840$301,635▲ $26,795
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$377,860$368,655▼ $9,205
Total Net Assets Fund Balance$377,860$368,655▼ $9,205
Total Liabilities and Net Assets / Fund Balance$652,700$670,290▲ $17,590

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$19,639$31,471-
Equipment$41$55,705-
Leasehold Improvements$0$72,220-
Compensation and Service Providers

Board Members and Trustees

NameTitle
Susan FibertPresident
Rob DeckerVice President
Chris GrahamDirector
Jenni StramaDirector
Kathy BakerDirector
Megan DetrayDirector
Melissa JordanDirector
Paul EckerlineDirector
Robert DavisDirector
Robyn StrykerMember at Large
Anna SkarSecretary
Monica JohnsonTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$105,308
Program Service Revenue
$212,320
Investment Income
$5,262
Other Revenue
$57,905
Change in Net Assets
$-9,205
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$196,706
Salaries, Compensation, and Employee Benefits$193,294
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Comp Disqual Persons$179,211--$179,211
Advertising$67,699--$67,699
All Other Expenses$31,364--$31,364
Payroll Taxes$14,083--$14,083
Office Expenses$10,716--$10,716
Other Expenses$9,626--$9,626
Insurance$6,398--$6,398
Interest$3,368--$3,368
Fees for Services Accounting$3,150--$3,150
Travel$1,886--$1,886
Depreciation Depletion$1,454--$1,454
Occupancy$1,217--$1,217
Total Functional Expenses$390,000$0$0$390,000
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$149,605
Fundraising Direct Expenses$95,525
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Musky Fest$101,303$101,303$64,585$36,718
Fall Festival$26,651$26,651$12,290$14,361
Total Events$149,605$149,605$95,525$54,080
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Gift Certificates$151,765
Federal Wh Payable$4,737
State Wh Payable$872
Uc Payable$205
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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, Part VI, Section A, Line 6

Membership provides newsletters & directory listing on web, and voting rights

Form 990, Part VI, Section A, Line 7A

Members vote at annual meeting to fill vacancies on the board

Form 990, Part VI, Section B, Line 11B

Officers review the 990 before it is filed, other board members can look at the 990 if they want at any time.

Form 990, Part VI, Section C, Line 19

Upon request copies are made

Filing and Contact Details

Filer

Filer Name
Hayward Area Chamber of Commerce
EIN
39-0963079
Phone
7156348662
Address
PO BOX 726, HAYWARD, WI 54843

Signing Officer

Name
Robert Decker
Title
President
Phone
7156348662
Signed
2025-06-19
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Robert Decker
Formed
1985
Legal Domicile
Wi
Voting Board Members
12
Independent Board Members
12
Employees
7
Volunteers
35

Preparer

Firm
Anderson Hager & Moe Sc
Address
PO BOX 986, HAYWARD, WI 54843
Preparer
Mark Beckman CPA
Phone
7156342653
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IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/BusinessCd1900099
IRS990/OtherRevenueMiscGrp/BusinessCd2900099
IRS990/OtherRevenueMiscGrp/Desc0MERCHANDISE/RETAIL
IRS990/OtherRevenueMiscGrp/Desc1CONVENIENCE FEE
IRS990/OtherRevenueMiscGrp/Desc2CONSTANT CONTACT
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt02198
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1802
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt2800
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt02198
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1802
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2800
IRS990/OtherRevenueTotalAmt03825
IRS990/OtherWebsiteInd0X
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/ProgramServicesAmt014083
IRS990/PayrollTaxesGrp/TotalAmt014083
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0ROBERT DECKER
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/BusinessCd2900099
IRS990/ProgramServiceRevenueGrp/BusinessCd3900099
IRS990/ProgramServiceRevenueGrp/Desc0ROOM TAX
IRS990/ProgramServiceRevenueGrp/Desc1ATTRACTION BROCHURE
IRS990/ProgramServiceRevenueGrp/Desc2RETAIL/GOLF GROUP ACTI
IRS990/ProgramServiceRevenueGrp/Desc3PUBLIC RESTROOMS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0181661
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt119950
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt26010
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt34699
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0181661
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt119950
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt26010
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt34699
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt097990
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01157
IRS990/PYOtherExpensesAmt0167911
IRS990/PYOtherRevenueAmt075646
IRS990/PYProgramServiceRevenueAmt0215767
IRS990/PYRevenuesLessExpensesAmt040389
IRS990/PYSalariesCompEmpBnftPaidAmt0182260
IRS990/PYTotalExpensesAmt0350171
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0390560
IRS990/ReconcilationRevenueExpnssAmt0-9205
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0221407
IRS990/SavingsAndTempCashInvstGrp/BOYAmt060461
IRS990/SavingsAndTempCashInvstGrp/EOYAmt061881
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt019639
IRS990ScheduleD/BuildingsGrp/DepreciationAmt031471
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt051110
IRS990ScheduleD/EquipmentGrp/BookValueAmt041
IRS990ScheduleD/EquipmentGrp/DepreciationAmt055705
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt055746
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt072220
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt072220
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0151765
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt14737
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2872
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt3205
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0GIFT CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1FEDERAL WH PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2STATE WH PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3UC PAYABLE
IRS990ScheduleD/TotalBookValueLandBuildingsAmt019680
IRS990ScheduleD/TotalLiabilityAmt0157579
IRS990ScheduleG/FundraisingEventInformationGrp/DirectExpenseSummaryEventsAmt095525
IRS990ScheduleG/FundraisingEventInformationGrp/Event1Nm0MUSKY FEST
IRS990ScheduleG/FundraisingEventInformationGrp/Event2Nm0FALL FESTIVAL
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent1Amt0101303
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent2Amt026651
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsOtherEventsAmt021651
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsTotalAmt0149605
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueEvent1Amt0101303
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueEvent2Amt026651
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueOtherEventsAmt021651
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueTotalEventsAmt0149605
IRS990ScheduleG/FundraisingEventInformationGrp/NetIncomeSummaryAmt054080
IRS990ScheduleG/FundraisingEventInformationGrp/OthDirectExpnssOtherEventsAmt018650
IRS990ScheduleG/FundraisingEventInformationGrp/OthDirectExpnssTotalEventsAmt095525
IRS990ScheduleG/FundraisingEventInformationGrp/OtherDirectExpensesEvent1Amt064585
IRS990ScheduleG/FundraisingEventInformationGrp/OtherDirectExpensesEvent2Amt012290
IRS990ScheduleG/FundraisingEventInformationGrp/OtherEventsTotalCnt02
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERSHIP PROVIDES NEWSLETTERS & DIRECTORY LISTING ON WEB, AND VOTING RIGHTS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS VOTE AT ANNUAL MEETING TO FILL VACANCIES ON THE BOARD
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2OFFICERS REVIEW THE 990 BEFORE IT IS FILED, OTHER BOARD MEMBERS CAN LOOK AT THE 990 IF THEY WANT AT ANY TIME.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3UPON REQUEST COPIES ARE MADE
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0WI
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0652700
IRS990/TotalAssetsEOYAmt0670290
IRS990/TotalAssetsGrp/BOYAmt0652700
IRS990/TotalAssetsGrp/EOYAmt0670290
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt0105308
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0390000
IRS990/TotalFunctionalExpensesGrp/TotalAmt0390000
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0274840
IRS990/TotalLiabilitiesEOYAmt0301635
IRS990/TotalLiabilitiesGrp/BOYAmt0274840
IRS990/TotalLiabilitiesGrp/EOYAmt0301635
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0377860
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0368655
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0390000
IRS990/TotalProgramServiceRevenueAmt0212320
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt054080
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0221407
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0380795
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt035
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0652700
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0670290
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ProgramServicesAmt01886
IRS990/TravelGrp/TotalAmt01886
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt0122751
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt0120056
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 726
IRS990/USAddress/CityNm0HAYWARD
IRS990/USAddress/StateAbbreviationCd0WI
IRS990/USAddress/ZIPCd054843
IRS990/VotingMembersGoverningBodyCnt012
IRS990/VotingMembersIndependentCnt012
IRS990/WebsiteAddressTxt0WWW.HAYWARDAREACHAMBER.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0ROBERT DECKER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT

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