Civic Intelligence

Lake Area Chamber of Commerce

EIN 43-1356331 • 501(c)6 • Lake Ozark, MO

Profile

Promote and improve the economic and community prosperity in the Lake of the Ozarks area through mutually beneficial relationships all while providing services to and advocating for businesses.

PO Box 1570Lake Ozark, MO 65049

lakeareachamber.com

Siviq Scores

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

Liabilities / Assets

57th percentile

0.01x

Higher debt load relative to assets than 57% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

60th percentile

0.01x

Higher debt load relative to revenue than 60% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Net Margin

79th percentile

19%

Higher net margin than 79% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Top Officer Pay

77th percentile

$0

Higher top officer pay than 77% of similar nonprofits.

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

501(c)6 • <$500k nonprofits • Source year 2024

Asset Growth

78th percentile

17%

Faster asset growth than 78% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

53rd percentile

0.8%

Faster revenue growth than 53% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets57th percentile

Assets

Up

$322,056

Up $47,650 (+17%) from 2023

Liabilities

Down

$2,871

Down $2,698 (-48%) from 2023

Net Assets

Up

$319,185

Up $50,348 (+19%) from 2023

Operations
Liabilities / Revenue60th percentileNet Margin79th percentile

Revenue

Up

$271,365

Up $2,261 (+0.8%) from 2023

Expenses

Down

$221,017

Down $35,531 (-14%) from 2023

Net Income

Up

$50,348

Up $37,792 (+301%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth78th percentile

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

$400K$300K$200K$100K$0-$100KAssets 2011: $23,980Liabilities 2011: $58,327Net Assets 2011: -$34,3472011Assets 2012: $16,292Liabilities 2012: $55,366Net Assets 2012: -$39,0742012Assets 2013: $35,865Liabilities 2013: $43,959Net Assets 2013: -$8,0942013Assets 2014: $49,370Liabilities 2014: $19,533Net Assets 2014: $29,8372014Assets 2015: $59,687Liabilities 2015: $4,294Net Assets 2015: $55,3932015Assets 2016: $87,060Liabilities 2016: $4,041Net Assets 2016: $83,0192016Assets 2017: $103,846Liabilities 2017: $4,013Net Assets 2017: $99,8332017Assets 2018: $126,640Liabilities 2018: $3,816Net Assets 2018: $122,8242018Assets 2019: $171,866Liabilities 2019: $3,746Net Assets 2019: $168,1202019Assets 2020: $201,587Liabilities 2020: $5,416Net Assets 2020: $196,1712020Assets 2021: $258,638Liabilities 2021: $1,763Net Assets 2021: $256,8752021Assets 2022: $262,282Liabilities 2022: $6,001Net Assets 2022: $256,2812022Assets 2023: $274,406Liabilities 2023: $5,569Net Assets 2023: $268,8372023Assets 2024: $322,056Liabilities 2024: $2,871Net Assets 2024: $319,1852024

Highlighted filing

2024

Assets$322,056
Liabilities$2,871
Net Assets$319,185
Open 2024 Filing

Operations Trend

Revenue Growth53rd percentile

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

$300K$200K$100K$0-$100KExpenses 2011: $232,0782011Expenses 2012: $192,0082012Revenue 2013: $211,378Expenses 2013: $180,398Net Income 2013: $30,9802013Revenue 2014: $215,569Expenses 2014: $177,638Net Income 2014: $37,9312014Revenue 2015: $207,113Expenses 2015: $181,557Net Income 2015: $25,5562015Revenue 2016: $225,695Expenses 2016: $198,069Net Income 2016: $27,6262016Revenue 2017: $215,771Expenses 2017: $198,957Net Income 2017: $16,8142017Revenue 2018: $224,084Expenses 2018: $201,093Net Income 2018: $22,9912018Revenue 2019: $247,066Expenses 2019: $201,770Net Income 2019: $45,2962019Revenue 2020: $227,905Expenses 2020: $199,854Net Income 2020: $28,0512020Revenue 2021: $244,062Expenses 2021: $183,358Net Income 2021: $60,7042021Revenue 2022: $241,519Expenses 2022: $242,113Net Income 2022: -$5942022Revenue 2023: $269,104Expenses 2023: $256,548Net Income 2023: $12,5562023Revenue 2024: $271,365Expenses 2024: $221,017Net Income 2024: $50,3482024

Highlighted filing

2024

Revenue$271,365
Expenses$221,017
Net Income$50,348
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$322,056
Liabilities
$2,871
Net assets
$319,185
Revenue
$271,365
Expenses
$221,017
Net income
$50,348
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$3.22$0.03$3.19$2.71$2.21$0.50
2023Detailed filing. Detailed filing data is available for this year.$2.74$0.06$2.69$2.69$2.57$0.13
2022Detailed filing. Detailed filing data is available for this year.$2.62$0.06$2.56$2.42$2.42$0.01
2021Detailed filing. Detailed filing data is available for this year.$2.59$0.02$2.57$2.44$1.83$0.61
2020Detailed filing. Detailed filing data is available for this year.$2.02$0.05$1.96$2.28$2.00$0.28
2019Detailed filing. Detailed filing data is available for this year.$1.72$0.04$1.68$2.47$2.02$0.45
2018Detailed filing. Detailed filing data is available for this year.$1.27$0.04$1.23$2.24$2.01$0.23
2017Detailed filing. Detailed filing data is available for this year.$1.04$0.04$1.00$2.16$1.99$0.17
2016Detailed filing. Detailed filing data is available for this year.$0.87$0.04$0.83$2.26$1.98$0.28
2015Detailed filing. Detailed filing data is available for this year.$0.60$0.04$0.55$2.07$1.82$0.26
2014Detailed filing. Detailed filing data is available for this year.$0.49$0.20$0.30$2.16$1.78$0.38
2013Detailed filing. Detailed filing data is available for this year.$0.36$0.44$0.08$2.11$1.80$0.31
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.16$0.55$0.39$1.92
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.24$0.58$0.34$2.32
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jul 21, 2025
Return Version
2024v5.0
Gross Receipts
$356,221
Mission and Program Overview

Mission

Missouri promotion of business and the business community at large through sponsorship of businesses with business dues and organizing special events proceeds used to respresent and promote the community at large.

Promotote and improve the economic and community prosperity in the lake of the ozarks area through mutually beneficial relationships all while providing services to and advocating for business.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$274,406$321,541▲ $47,135
Rtn Earn Endowment Incm Other Fnds$268,837$319,185▲ $50,348
Land, Buildings, and Equipment, Net-$515-
Total Assets$274,406$322,056▲ $47,650
Liabilities
Accounts Payable and Accrued Expenses$5,569$2,871▼ $2,698
Total Liabilities$5,569$2,871▼ $2,698
Net Assets / Fund Balance
Total Net Assets Fund Balance$268,837$319,185▲ $50,348
Total Liabilities and Net Assets / Fund Balance$274,406$322,056▲ $47,650

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$515$23,677$24,192
Compensation and Service Providers
Top Officer Pay77th percentile

Board Members and Trustees

NameTitle
Brian GagnonPresident
Angie SchusterBoard Rep.
Cassidy DickersonBoard Rep.
Cierra GreinBoard Rep.
Corey RobertsBoard Rep.
Heather DissenBoard Rep.
Michael LassonBoard Rep.
Michael SnyderBoard Rep.
Monica SpierBoard Rep.
Nick KruseBoard Rep.
Stephanie DehnerBoard Rep.
Cole BradburyPast Preside
Laura NelsonSecretary
Luke HagedornTreasurer
Tony OttoVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$151,417
Program Service Revenue
$30,737
Investment Income
$9,469
Other Revenue
$79,742
Change in Net Assets
$50,348
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$140,918
Other Expenses$75,099
Grants and Similar Amounts Paid$5,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$75,536--$75,536
Comp Disqual Persons$33,398--$33,398
Other Employee Benefits-$12,954-$12,954
Payroll Taxes-$11,253-$11,253
All Other Expenses$6,770$4,416-$11,186
Insurance-$9,311-$9,311
Fees for Services Accounting-$7,812-$7,812
Other Salaries and Wages-$7,777-$7,777
Fees for Services Other-$6,778-$6,778
Information Technology$3,180$3,181-$6,361
Grants to Domestic Individuals$5,000--$5,000
Other Expenses$7,056$4,224-$4,224
Advertising$1,921$1,920-$3,841
Office Expenses-$3,284-$3,284
Depreciation Depletion$1,095--$1,095
Conferences and Meetings-$873-$873
Total Functional Expenses$142,210$78,807$0$221,017
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$161,723
Fundraising Direct Expenses$84,856
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Car Show$124,307$124,307$62,457$61,850
Golf Tournament$22,371$22,371$10,275$12,096
Total Events$159,898$159,898$83,739$76,159
Political and Lobbying Activity
Political campaign activity
No
In-house lobbying only
No
Subject to proxy tax
Yes
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
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
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The organization has members that pay annual dues and elect a board of directors to serve a three year term. The board of directors then elects officers.”

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

“X”

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

“X”

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

“Form 990 is delivered to president, reviewed by all other board members.”

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

“Officers and board members review and determine compensation of executive director and employees”

Form 990, Page 6, Part VI, Line 19

“All government documents and financial statements are available and open t o public upon request at the office of the organization.”

Filing and Contact Details

Filer

Filer Name
Lake Area Chamber of Commerce
EIN
43-1356331
Phone
5739641008
Address
PO BOX 1570, LAKE OZARK, MO 65049

Signing Officer

Name
Brian Gagnon
Title
President
Phone
5739641008
Signed
2025-07-21
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Brian Gagnon
Formed
1963
Legal Domicile
Mo
Voting Board Members
15
Independent Board Members
15
Employees
2
Volunteers
15

Preparer

Firm
EVERS & COMPANY CPA'S LLC
Address
5886 OSAGE BEACH PARKWAY, OSAGE BEACH, MO 65065-2173
Preparer
Jessica Leigh Bridges CPA
Phone
5733484141
Supplemental Narrative

Additional Explanations

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

“Organization is a local chamber of commerce whose mission is to organize the business community to represent and promote businesses and the community at large.”

Raw XML AppendixShowing 400 of 432 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.

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IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD REP.
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IRS990/InformationTechnologyGrp/ProgramServicesAmt03180
IRS990/InformationTechnologyGrp/TotalAmt06361
IRS990/InsuranceGrp/ManagementAndGeneralAmt09311
IRS990/InsuranceGrp/TotalAmt09311
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt09469
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IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembershipDuesAmt0151417
IRS990/MembersOrStockholdersInd0true
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IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0PROMOTOTE AND IMPROVE THE ECONOMIC AND COMMUNITY PROSPERITY IN THE LAKE OF THE OZARKS AREA THROUGH MUTUALLY BENEFICIAL RELATIONSHIPS ALL WHILE PROVIDING SERVICES TO AND ADVOCATING FOR BUSINESS.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
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IRS990/NetAssetsOrFundBalancesEOYAmt0319185
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IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt03284
IRS990/OfficeExpensesGrp/TotalAmt03284
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt012954
IRS990/OtherEmployeeBenefitsGrp/TotalAmt012954
IRS990/OtherExpensesGrp/Desc0WELCOME SIGN
IRS990/OtherExpensesGrp/Desc1WEBSITE
IRS990/OtherExpensesGrp/Desc2LEASED EQUIPMENT
IRS990/OtherExpensesGrp/Desc3UTILITIES
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IRS990/OtherExpensesGrp/ManagementAndGeneralAmt14224
IRS990/OtherExpensesGrp/ProgramServicesAmt08254
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IRS990/OtherRevenueTotalAmt02875
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt07777
IRS990/OtherSalariesAndWagesGrp/TotalAmt07777
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt011253
IRS990/PayrollTaxesGrp/TotalAmt011253
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfficerNm0BRIAN GAGNON
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IRS990/ProgramServiceRevenueGrp/Desc1YOUNG PROFESSIONALS
IRS990/ProgramServiceRevenueGrp/Desc2JOINT MAP & DIRECTORY
IRS990/ProgramServiceRevenueGrp/Desc3LEGISLATIVE/GOV. INCOME
IRS990/ProgramServiceRevenueGrp/Desc4SOCIAL SALES
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21976
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt41250
IRS990/ProgSrvcAccomActyOtherGrp/Desc0ORGANIZATION IS A LOCAL CHAMBER OF COMMERCE WHOSE MISSION IS TO ORGANIZE THE BUSINESS COMMUNITY TO REPRESENT AND PROMOTE BUSINESSES AND THE COMMUNITY AT LARGE.
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IRS990/PYContributionsGrantsAmt0144594
IRS990/PYGrantsAndSimilarPaidAmt05000
IRS990/PYInvestmentIncomeAmt0603
IRS990/PYOtherExpensesAmt074365
IRS990/PYOtherRevenueAmt092231
IRS990/PYProgramServiceRevenueAmt031676
IRS990/PYRevenuesLessExpensesAmt012556
IRS990/PYSalariesCompEmpBnftPaidAmt0177183
IRS990/PYTotalExpensesAmt0256548
IRS990/PYTotalRevenueAmt0269104
IRS990/ReconcilationRevenueExpnssAmt050348
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0271365
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IRS990/ScheduleBRequiredInd0false
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IRS990ScheduleC/DuesAssessmentsAmt0151417
IRS990ScheduleC/OnlyInHouseLobbyingInd0false
IRS990ScheduleC/SubstantiallyAllDuesNondedInd0false
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0515
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt023677
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt024192
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0515
IRS990ScheduleG/FundraisingEventInformationGrp/DirectExpenseSummaryEventsAmt083739
IRS990ScheduleG/FundraisingEventInformationGrp/Event1Nm0CAR SHOW
IRS990ScheduleG/FundraisingEventInformationGrp/Event2Nm0GOLF TOURNAMENT
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IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent2Amt022371
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IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueEvent2Amt022371
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueOtherEventsAmt013220
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IRS990ScheduleG/FundraisingEventInformationGrp/NetIncomeSummaryAmt076159
IRS990ScheduleG/FundraisingEventInformationGrp/OthDirectExpnssOtherEventsAmt011007
IRS990ScheduleG/FundraisingEventInformationGrp/OthDirectExpnssTotalEventsAmt083739
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ORGANIZATION IS A LOCAL CHAMBER OF COMMERCE WHOSE MISSION IS TO ORGANIZE THE BUSINESS COMMUNITY TO REPRESENT AND PROMOTE BUSINESSES AND THE COMMUNITY AT LARGE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION HAS MEMBERS THAT PAY ANNUAL DUES AND ELECT A BOARD OF DIRECTORS TO SERVE A THREE YEAR TERM. THE BOARD OF DIRECTORS THEN ELECTS OFFICERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2X
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3X
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4FORM 990 IS DELIVERED TO PRESIDENT, REVIEWED BY ALL OTHER BOARD MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5OFFICERS AND BOARD MEMBERS REVIEW AND DETERMINE COMPENSATION OF EXECUTIVE DIRECTOR AND EMPLOYEES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6ALL GOVERNMENT DOCUMENTS AND FINANCIAL STATEMENTS ARE AVAILABLE AND OPEN T O PUBLIC UPON REQUEST AT THE OFFICE OF THE ORGANIZATION.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/TotalProgramServiceExpensesAmt0142210
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IRS990/TotalVolunteersCnt015
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IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 1570
IRS990/USAddress/CityNm0LAKE OZARK
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd065049
IRS990/VotingMembersGoverningBodyCnt015

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