Civic Intelligence

Frontier Community Credit Union

990 • Fiscal year 2013 • EIN 42-6063339

Jan 01, 2013 to Dec 31, 2013 • Filed on Oct 01, 2014

13 South 3rd StreetFort Dodge, IA 50501

(515) 573-8991

Siviq Scores

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

Liabilities / Assets

9th percentile

0.01x

Higher debt load relative to assets than 9% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

9th percentile

0.27x

Higher debt load relative to revenue than 9% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

38th percentile

1.2%

Higher net margin than 38% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

27th percentile

$53,490

Higher top officer pay than 27% of similar nonprofits.

Top officer pay equals 6.8% of source-year revenue.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Asset Growth

94th percentile

9.4%

Faster asset growth than 94% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2010 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

Up

$19,388,269

Up $4,578,115 (+31%) from 2010

Net Assets

Up

$19,177,322

Up $4,521,573 (+31%) from 2010

Liabilities

Up

$210,947

Up $56,542 (+37%) from 2010

Revenue

$780,994

No earlier filing loaded for comparison.

Expenses

Up

$771,418

Up $112,707 (+17%) from 2010

Net Income

$9,576

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.

$20M$15M$10M$5.0M$0Assets 2010: $14,810,154Liabilities 2010: $154,405Net Assets 2010: $14,655,7492010Assets 2013: $19,388,269Liabilities 2013: $210,947Net Assets 2013: $19,177,3222013Assets 2014: $19,593,677Liabilities 2014: $223,791Net Assets 2014: $19,369,8862014

Highlighted filing

2013

Assets$19,388,269
Liabilities$210,947
Net Assets$19,177,322

Operations Trend

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

$800K$600K$400K$200K$0Expenses 2010: $658,7112010Revenue 2013: $780,994Expenses 2013: $771,418Net Income 2013: $9,5762013Revenue 2014: $697,732Expenses 2014: $663,647Net Income 2014: $34,0852014

Highlighted filing

2013

Revenue$780,994
Expenses$771,418
Net Income$9,576
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Oct 1, 2014
Return Version
2013v3.1
Gross Receipts
$780,994
Mission and Program Overview

Mission

The credit union provides

The credit union provides financial services to qualified members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$18,473,428$19,177,322▲ $703,894
Savings and Temporary Cash Investments$12,206,000$12,906,000▲ $700,000
Other Notes and Loans Receivable, Net$4,544,169$4,493,214▼ $50,955
Cash and Non-Interest-Bearing Accounts$1,379,683$1,459,264▲ $79,581
Receivables From Officers Etc$78,892$113,528▲ $34,636
Land, Buildings, and Equipment, Net$40,534$33,053▼ $7,481
Prepaid Expenses and Deferred Charges$28,266$18,053▼ $10,213
Total Assets$18,667,140$19,388,269▲ $721,129
Other Assets Total$389,596$365,157▼ $24,439
Liabilities
Accounts Payable and Accrued Expenses$193,712$210,947▲ $17,235
Total Liabilities$193,712$210,947▲ $17,235
Net Assets / Fund Balance
Total Net Assets Fund Balance$18,473,428$19,177,322▲ $703,894
Total Liabilities and Net Assets / Fund Balance$18,667,140$19,388,269▲ $721,129

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$16,440$105,841$122,281
Equipment$16,613$57,625$74,238
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Carolyn ChelleenManagerFT$53,490$53,490

Board Members and Trustees

NameTitle
Keith OllingerAudit Committee Chair
Roger SimonsonChairperson of the Board
Stanley MyersVice Chairperson
Mark EssingAudit Committee Member
Melissa MaschinoAudit Committee Member
Judy WaddellChief Financial Officer
Dale StrueckerCredit Committee Member
Michael a WaddellCredit Committee Member
Norma Russell-adsonSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$490,655
Investment Income
$209,135
Other Revenue
$81,204
Change in Net Assets
$9,576
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$507,356
Salaries, Compensation, and Employee Benefits$264,062
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$191,173--$191,173
All Other Expenses$183,642--$183,642
Office Expenses$129,850--$129,850
Fees for Services Accounting$74,923--$74,923
Current Officers, Directors, Trustees, and Key Employees$53,490--$53,490
Insurance$49,956--$49,956
Advertising$23,732--$23,732
Other Employee Benefits$19,399--$19,399
Depreciation Depletion$13,076--$13,076
Occupancy$10,404--$10,404
Conferences and Meetings$3,904--$3,904
Other Expenses$1,948--$1,948
Total Functional Expenses$771,418$0$0$771,418
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 Officers, Directors, Trustees, and Key Employees$78,892$113,528▲ $34,636
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No
Filing and Contact Details

Filer

EIN
42-6063339
Phone
5155738991

Signing Officer

Name
Roger Simonson
Title
Chairman
Phone
5155738991
Signed
2014-10-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Carolyn Chelleen
Formed
1962
Legal Domicile
Ia
Voting Board Members
9
Independent Board Members
9
Employees
9
Volunteers
0

Preparer

Preparer
Jerilyn Maher
Phone
5159554805
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

Membership consists of those persons in the common bond

Pt VI, Line 6

who have subscribed to one ownership share and have complied with the other

Pt VI, Line 6

requirements as specified by the articles of incorporation and bylaws.

Pt VI, Line 7A

At each annual meeting, members have one vote. At each

Pt VI, Line 7A

annual meeting, one member shall be elected to fill each board

Pt VI, Line 7A

of director position vacated by reason of an expiring term or other cause.

Pt VI, Line 7B

The majority of members present at any meeting may vote to

Pt VI, Line 7B

modify, amend or reverse an act of the board of directors

Pt VI, Line 7B

or instruct the board to take action not inconsistent with

Pt VI, Line 7B

the articles, bylaws, or the Iowa Code. In order to be binding

Pt VI, Line 7B

upon the board of directors, any action requires affirmative

Pt VI, Line 7B

vote of a majority of eligible members.

Pt VI, Line 11B

The form 990 is reviewed by each member of the governing board

Pt VI, Line 11B

following filing.

Pt VI, Line 12C

The organization requires officers and directors to disclose

Pt VI, Line 12C

annually interests that could give rise to conflicts. To identify

Pt VI, Line 12C

any potential conflicts of interest, every insider provides

Pt VI, Line 12C

an annual statement outling specific relations and situations.

Pt VI, Line 12C

The conflict of interest policy is annually reviewed by the board

Pt VI, Line 12C

and is enforced by the board.

Pt VI, Line 15A

A compensation Committee has overall responsibility for approving

Pt VI, Line 15A

and evaluating the President/CEO compensation, benefit and

Pt VI, Line 15A

prerequisite plans, policies and programs of the credit union.

Pt VI, Line 15A

The Compensation Committee is also responsible for producing

Pt VI, Line 15A

an annual report on executive compensation for review by the entire

Pt VI, Line 15A

board. An independent third party reviews compensation based on

Form 990, Part IX, Line 24F

Provision for loan loss 94000. 94000. Exam fee expense 6821. 6821. Misc. Operating expense 10047. 10047. Ncua accrued accessment 10030. 10030. Dividends 58456. 58456. Credit reports 4288. 4288.

Pt VI, Line 15A

data compiled from numerous sources. Software is used that compares

Pt VI, Line 15A

relative compensation data.

Pt VI, Line 19

The organization makes its governing documents, conflict of

Pt VI, Line 19

interest policy and financial statements available to the public

Pt VI, Line 19

upon request.

Pt XI

Of this amount, $683,968 is the change in fund balances

Pt XI

for customer account balances from the prior year and

Pt XI

$10350 is the result of the merger between the Postal

Pt XI

Employees Credit Union and the Frontier Community Credit Union

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IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt074238
IRS990ScheduleD/TotalBookValueLandBuildingsAmt033053
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt014682
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt17814
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt22990
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt321684
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt43976
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt510889
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt61276
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt77552
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt88495
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt912313
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt103500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt116982
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt126530
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt134845
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd7true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd8true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd9true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd10true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd12true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd13true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd6false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd7false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd8false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd9false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd11false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd12false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd13false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd8X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd9X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd10X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd11X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd12X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd13X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Vehicle loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Revolving credit
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2Vehicle loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3Vehicle loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4Revolving credit
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5Vehicle loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6Revolving credit
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7Signature loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt8Vehicle loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt9Vehicle loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt10Vacation
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt11Vehicle loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt12Vehicle loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt13Revolving loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt016000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt17814
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt28500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt323845
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt45000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt512924
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt62500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt77689
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt825000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt913764
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt103500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt118000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt128000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt135066
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0ROGER SIMONSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1ROGER SIMONSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2STANLEY MYERS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3STANLEY MYERS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4STANLEY MYERS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5JUDITH WADDELL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6CAROLYN CHELEEN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7CAROLYN CHELEEN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm8DALE STRUECKER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm9KAY SCHNURR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm10KAY SCHNURR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm11KEITH OSTERBERG
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm12MICHAEL WADDELL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm13MICHAEL WADDELL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Trustee
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Trustee
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2Trustee
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3Trustee
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4Trustee
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5Trustee
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6Employee
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt7Employee
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt8Trustee
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt9Employee
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt10Employee
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt11Employee
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt12Trustee
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt13Trustee
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd7true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd8true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd9true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd10true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd12true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd13true

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