Civic Intelligence

Three Rivers Community Investment

EIN 46-0719105 • 501(c)3 • Pontotoc, MS

Profile

Provide funding to local governments

PO Box 690Pontotoc, MS 38863

n/A

Siviq Scores

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

Liabilities / Assets

93rd percentile

1.00x

Higher debt load relative to assets than 93% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

98th percentile

27.20x

Higher debt load relative to revenue than 98% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2024

Net Margin

36th percentile

0.0%

Higher net margin than 36% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

15th percentile

$0

Higher top officer pay than 15% of similar nonprofits.

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

501(c)3 • $10M-$25M nonprofits • Source year 2024

Asset Growth

16th percentile

-6.0%

Faster asset growth than 16% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

18th percentile

-12%

Faster revenue growth than 18% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Assets

Down

$10,398,197

Down $660,949 (-6.0%) from 2023

Liabilities

Down

$10,397,000

Down $661,000 (-6.0%) from 2023

Net Assets

Up

$1,197

Up $51 (+4.5%) from 2023

Revenue

Down

$382,286

Down $52,010 (-12%) from 2023

Expenses

Down

$382,235

Down $50,915 (-12%) from 2023

Net Income

Down

$51

Down $1,095 (-96%) from 2023

Trend Graphs

Balance Sheet Trend

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

$15M$10M$5.0M$0Assets 2012: $1Liabilities 2012: $0Net Assets 2012: $02012Assets 2013: $8,415,173Liabilities 2013: $8,415,173Net Assets 2013: $02013Assets 2014: $7,777,836Liabilities 2014: $7,777,836Net Assets 2014: $02014Assets 2015: $7,127,330Liabilities 2015: $7,127,330Net Assets 2015: $02015Assets 2016: $6,588,000Liabilities 2016: $6,588,000Net Assets 2016: $02016Assets 2017: $4,736,000Liabilities 2017: $4,736,000Net Assets 2017: $02017Assets 2018: $3,914,000Liabilities 2018: $3,914,000Net Assets 2018: $02018Assets 2019: $3,168,000Liabilities 2019: $3,168,000Net Assets 2019: $02019Assets 2020: $13,181,101Liabilities 2020: $13,176,000Net Assets 2020: $5,1012020Assets 2021: $12,449,906Liabilities 2021: $12,443,000Net Assets 2021: $6,9062021Assets 2022: $11,719,000Liabilities 2022: $11,719,000Net Assets 2022: $02022Assets 2023: $11,059,146Liabilities 2023: $11,058,000Net Assets 2023: $1,1462023Assets 2024: $10,398,197Liabilities 2024: $10,397,000Net Assets 2024: $1,1972024

Highlighted filing

2024

Assets$10,398,197
Liabilities$10,397,000
Net Assets$1,197

Operations Trend

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

$600K$400K$200K$0-$200KRevenue 2012: $0Expenses 2012: $0Net Income 2012: $02012Revenue 2013: $291,974Expenses 2013: $291,974Net Income 2013: $02013Revenue 2014: $258,678Expenses 2014: $258,678Net Income 2014: $02014Revenue 2015: $292,108Expenses 2015: $292,108Net Income 2015: $02015Revenue 2016: $272,719Expenses 2016: $272,719Net Income 2016: $02016Revenue 2017: $241,701Expenses 2017: $241,701Net Income 2017: $02017Revenue 2018: $206,278Expenses 2018: $206,278Net Income 2018: $02018Revenue 2019: $173,313Expenses 2019: $173,313Net Income 2019: $02019Revenue 2020: $139,809Expenses 2020: $134,708Net Income 2020: $5,1012020Revenue 2021: $491,178Expenses 2021: $489,373Net Income 2021: $1,8052021Revenue 2022: $70,772Expenses 2022: $77,678Net Income 2022: -$6,9062022Revenue 2023: $434,296Expenses 2023: $433,150Net Income 2023: $1,1462023Revenue 2024: $382,286Expenses 2024: $382,235Net Income 2024: $512024

Highlighted filing

2024

Revenue$382,286
Expenses$382,235
Net Income$51

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Oct 1, 2023 to Sep 30, 2024
Signed
Jul 3, 2025
Return Version
2023v6.0
Gross Receipts
$382,286
Mission and Program Overview

Mission

Provide funding to local governments

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$11,058,000$10,397,000▼ $661,000
Savings and Temporary Cash Investments$1,146$1,196▲ $50
Cash and Non-Interest-Bearing Accounts-$1-
Total Assets$11,059,146$10,398,197▼ $660,949
Liabilities
Mortgage Notes Payable Secured by Investment Property$11,058,000$10,397,000▼ $661,000
Total Liabilities$11,058,000$10,397,000▼ $661,000
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$1,146$1,197▲ $51
Total Net Assets Fund Balance$1,146$1,197▲ $51
Total Liabilities and Net Assets / Fund Balance$11,059,146$10,398,197▼ $660,949
Compensation and Service Providers

Board Members and Trustees

NameTitle
Vernon R Kelley IiiPresident
Jeremy EptingTreasurer
John ByersVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$381,107
Investment Income
$1,179
Other Revenue
$0
Change in Net Assets
$51
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$382,235
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Expenses$382,235--$382,235
Total Functional Expenses$382,235$0$0$382,235
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
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 11B

A copy of the form 990 is provided to the board for review prior to its filing.

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

The organization has a conflict of interest policy. In situations where there may be a potential conflict of interest, the board is required to approve the transaction. If a director is involved in the transaction, that director is required to recuse himself. Potential conflicts of interest are discouraged by the organization.

Form 990, Page 6, Part VI, Line 19

The organization makes its public documents, including form 990, available upon request.

Filing and Contact Details

Filer

Filer Name
Three Rivers Community Investment
EIN
46-0719105
Phone
6624892415
Address
PO BOX 690, PONTOTOC, MS 38863

Signing Officer

Name
Vernon R Kelley Iii
Title
President
Phone
6624892415
Signed
2025-07-03

Organization Details

Principal Officer
Vernon R Kelley Iii
Formed
2012
Legal Domicile
Ms
Voting Board Members
4
Independent Board Members
4
Employees
0

Preparer

Firm
Franks Franks Wilemon & Hagood Pa
Address
PO BOX 731, TUPELO, MS 38802-0731
Preparer
Bryon Wilemon
Phone
6628445226
Raw XML Appendix230 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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0A COPY OF THE FORM 990 IS PROVIDED TO THE BOARD FOR REVIEW PRIOR TO ITS FILING.
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0VERNON R KELLEY III
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum06624892415
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-07-03
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0THREE RIVERS COMMUNITY INVESTMENT
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0INC
ReturnHeader/Filer/BusinessNameControlTxt0THRE
ReturnHeader/Filer/EIN0460719105
ReturnHeader/Filer/PhoneNum06624892415
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ReturnHeader/Filer/USAddress/CityNm0PONTOTOC
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0640736635
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0FRANKS FRANKS WILEMON & HAGOOD PA
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ReturnHeader/PreparerPersonGrp/PhoneNum06628445226
ReturnHeader/PreparerPersonGrp/PreparationDt02025-07-03
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRYON WILEMON
ReturnHeader/ReturnTs02025-07-03T17:53:20-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02023-10-01
ReturnHeader/TaxPeriodEndDt02024-09-30
ReturnHeader/TaxYr02023

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