Civic Intelligence

Mibankhealth

990 • Fiscal year 2015 • EIN 46-7335267

Jul 23, 2014 to Jun 30, 2015 • Filed on Dec 22, 2015

Organization ProfileWWW.MIBANKERS.COM
507 South Grand AvenueLansing, MI 48933

(517) 485-3600

Siviq Scores

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

Liabilities / Assets

97th percentile

1.09x

Higher debt load relative to assets than 97% of similar nonprofits.

2015 filings • 501(c)9 • $1M-$5M nonprofits • Source year 2015

Liabilities / Revenue

94th percentile

0.76x

Higher debt load relative to revenue than 94% of similar nonprofits.

2015 filings • 501(c)9 • $1M-$5M nonprofits • Source year 2015

Net Margin

26th percentile

-6.2%

Higher net margin than 26% of similar nonprofits.

2015 filings • 501(c)9 • $1M-$5M nonprofits • Source year 2015

Top Officer Pay

87th percentile

$179,296

Higher top officer pay than 87% of similar nonprofits.

Top officer pay equals 6.4% of source-year revenue.

2015 filings • 501(c)9 • $1M-$5M nonprofits • Source year 2015

Asset Growth

Score unavailable

No value available

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

Source year 2015

Revenue Growth

Score unavailable

No value available

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

Source year 2015

Balance Sheet
Liabilities / Assets97th percentile

Assets

$1,943,437

No earlier filing loaded for comparison.

Net Assets

-$174,333

No earlier filing loaded for comparison.

Liabilities

$2,117,770

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / Revenue94th percentileNet Margin26th percentile

Revenue

$2,793,425

No earlier filing loaded for comparison.

Expenses

$2,967,320

No earlier filing loaded for comparison.

Net Income

-$173,895

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$3.0M$2.0M$1.0M$0-$1.0M-$2.0MAssets 2015: $1,943,437Liabilities 2015: $2,117,770Net Assets 2015: -$174,3332015Assets 2016: $868,018Liabilities 2016: $1,919,037Net Assets 2016: -$1,051,0192016Assets 2017: $0Liabilities 2017: $0Net Assets 2017: $02017

Highlighted filing

2015

Assets$1,943,437
Liabilities$2,117,770
Net Assets-$174,333
Open 2015 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$3.0M$2.0M$1.0M$0-$1.0MRevenue 2015: $2,793,425Expenses 2015: $2,967,320Net Income 2015: -$173,8952015Revenue 2016: $1,549,538Expenses 2016: $1,913,648Net Income 2016: -$364,1102016Revenue 2017: $1,114,188Expenses 2017: $63,169Net Income 2017: $1,051,0192017

Highlighted filing

2015

Revenue$2,793,425
Expenses$2,967,320
Net Income-$173,895
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jul 23, 2014 to Jun 30, 2015
Signed
Dec 22, 2015
Return Version
2014v5.0
Gross Receipts
$2,793,425
Mission and Program Overview

Mission

A multiple employer welfare arrangement to make medical and other permitted benefits available to its members.

To make medical and other permitted benefits available to its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments-$1,199,917-
Accounts Receivable-$434,683-
Cash and Non-Interest-Bearing Accounts-$308,837-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Rtn Earn Endowment Incm Other Fnds$0$-174,333▼ $174,333
Total Assets$0$1,943,437▲ $1,943,437
Liabilities
Deferred Revenue$0$1,770,473▲ $1,770,473
Accounts Payable and Accrued Expenses$0$347,297▲ $347,297
Total Liabilities$0$2,117,770▲ $2,117,770
Net Assets / Fund Balance
Total Net Assets Fund Balance$0$-174,333▼ $174,333
Total Liabilities and Net Assets / Fund Balance$0$1,943,437▲ $1,943,437
Compensation and Service Providers
Top Officer Pay87th percentile

Employees

NameTitleOtherTotal
Jeffery D KindingerTreasurer$118,830$118,830

Board Members and Trustees

NameTitle
Jeanne E RichterChair
Elizabeth BrackenVice Chair
Catherine E ChenowethDirector
Laurinda NeveDirector
Thomas C GannonDirector
Matthew G DewolfSecretary/trust Administrator

Highest Paid Contractors

ContractorServicesLocationCompensation
Scott InsuranceAca Compliance, Consulting And Actuary S1301 OLD GRAVES MILL RD, Lynchburg, VA 24502$167,181
Priority HealthAdministrative Services Claims1686 RELIABLE PARKWAY, Chicago, IL 60686$167,142
Mba Service CorporationManagement507 SOUTH GRAND AVE, Lansing, MI 48933$120,861
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,789,906
Investment Income
$3,519
Other Revenue
$0
Change in Net Assets
$-173,895

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,793,425
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$-438
Total Revenue per Audited Statements
$2,792,987
Total Revenue per Form 990
$2,793,425
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$523,881
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
Benefits to Members---$2,443,439
Fees for Services Legal---$194,032
Fees for Services Management---$120,861
Other Expenses---$38,119
Advertising---$3,521
Office Expenses---$206
Total Functional Expenses$0$0$0$2,967,320

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,967,320
Total Expenses per Audited Statements$2,967,320
Total Expenses per Form 990$2,967,320
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
Yes

Governance Explanations

Form 990, Part VI, Section A, Line 3

“Management services provided by mba service corporation.”

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

“Michigan bankers association has authority to appoint trustees.”

Form 990, Part VI, Section B, Line 11

“The 990 will be available to the full board to review at the next meeting after completion.”

Form 990, Part VI, Section B, Line 12C

“Annual conflict of interest policy is given to be signed by all individuals on the board of trustees. All trustees are encouraged to bring any potential conflicts to the attention of the board throughout the year.”

Form 990, Part VI, Section C, Line 19

“AVAILABLE UPON REQUEST.”

Filing and Contact Details

Filer

Filer Name
Mibankhealth
EIN
46-7335267
Phone
5174853600
Address
507 SOUTH GRAND AVENUE, LANSING, MI 48933

Signing Officer

Name
Rann Paynter
Title
President
Phone
5174853600
Signed
2015-12-22
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Rann Paynter
Formed
2014
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
0
Volunteers
7

Preparer

Firm
Maner Costerisan Pc
Address
2425 E GRAND RIVER SUITE 1, LANSING, MI 48912-3291
Preparer
Edward L Williams Iii CPA
Phone
5173237500
Supplemental Narrative

Financial Statement Notes

PART X, LINE 2:

“In the preparation of tax returns, tax positions are taken based on interpretation of federal, state and local income tax laws. Management periodically reviews and evaluates the status of uncertain tax positions and makes estimates of amounts, including interest and penalties, ultimately due or owed. No amounts have been identified, or recorded, as uncertain tax positions. Federal, state, and local tax returns generally remain open for examination by the various taxing authorities for a period of three to four years.”

Raw XML Appendix380 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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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0IN THE PREPARATION OF TAX RETURNS, TAX POSITIONS ARE TAKEN BASED ON INTERPRETATION OF FEDERAL, STATE AND LOCAL INCOME TAX LAWS. MANAGEMENT PERIODICALLY REVIEWS AND EVALUATES THE STATUS OF UNCERTAIN TAX POSITIONS AND MAKES ESTIMATES OF AMOUNTS, INCLUDING INTEREST AND PENALTIES, ULTIMATELY DUE OR OWED. NO AMOUNTS HAVE BEEN IDENTIFIED, OR RECORDED, AS UNCERTAIN TAX POSITIONS. FEDERAL, STATE, AND LOCAL TAX RETURNS GENERALLY REMAIN OPEN FOR EXAMINATION BY THE VARIOUS TAXING AUTHORITIES FOR A PERIOD OF THREE TO FOUR YEARS.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MANAGEMENT SERVICES PROVIDED BY MBA SERVICE CORPORATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MICHIGAN BANKERS ASSOCIATION HAS AUTHORITY TO APPOINT TRUSTEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE 990 WILL BE AVAILABLE TO THE FULL BOARD TO REVIEW AT THE NEXT MEETING AFTER COMPLETION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ANNUAL CONFLICT OF INTEREST POLICY IS GIVEN TO BE SIGNED BY ALL INDIVIDUALS ON THE BOARD OF TRUSTEES. ALL TRUSTEES ARE ENCOURAGED TO BRING ANY POTENTIAL CONFLICTS TO THE ATTENTION OF THE BOARD THROUGHOUT THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleR/AssetExchangeInd00
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd00
IRS990ScheduleR/AssetSaleToOtherOrgInd00
IRS990ScheduleR/DivRelatedOrganizationInd00
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd00
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd00
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd00
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingEntityName/BusinessNameLine1Txt0NO
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/EIN0382720148
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/EntityTypeTxt0C
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/LegalDomicileStateCd0MI
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/PrimaryActivitiesTxt0INSURANCE
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/RelatedOrganizationName/BusinessNameLine1Txt0MBA SERVICE CORPORATION
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/AddressLine1Txt0507 SOUTH GRAND AVE
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/CityNm0LANSING
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/StateAbbreviationCd0MI
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/ZIPCd048933
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingNACd0N/A
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt0MICHIGAN BANKERS ASSOCIATION
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN0380823040
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt0501C6
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd0MI
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt0TO ADVANCE A POSITIVE ENVIRONMENT FOR THE MICHIGAN BANKING INDUSTRY.
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt0507 SOUTH GRAND AVENUE
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm0LANSING
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd0MI
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd048933
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd01
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd00
IRS990ScheduleR/PaidEmployeesSharingInd01
IRS990ScheduleR/PerformOfServicesByOtherOrgInd00
IRS990ScheduleR/PerformOfServicesForOthOrgInd00
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd00
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd00
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd01
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd00
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd00
IRS990ScheduleR/SharingOfFacilitiesInd01
IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt0120861
IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt1250000
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt0ACTUAL FEES
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt1LOAN FOR RESERVE BUILD UP
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt0MBA SERVICE CORPORATION
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt1MICHIGAN BANKERS ASSOCIATION
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt0P
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt1E
IRS990ScheduleR/TransferFromOtherOrgInd00
IRS990ScheduleR/TransferToOtherOrgInd00
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsEOYAmt01943437
IRS990/TotalAssetsGrp/BOYAmt00
IRS990/TotalAssetsGrp/EOYAmt01943437
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt02967320
IRS990/TotalGrossUBIAmt03519
IRS990/TotalLiabilitiesEOYAmt02117770
IRS990/TotalLiabilitiesGrp/BOYAmt00
IRS990/TotalLiabilitiesGrp/EOYAmt02117770
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0-174333
IRS990/TotalOtherCompensationAmt049176
IRS990/TotalProgramServiceRevenueAmt02789906
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02789906
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02793425
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt03519
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt00
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01943437
IRS990/TotReportableCompRltdOrgAmt0248950
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0507 SOUTH GRAND AVE
IRS990/USAddress/CityNm0LANSING
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd048933
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.MIBANKERS.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0RANN PAYNTER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum05174853600
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-12-22
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MIBANKHEALTH
ReturnHeader/Filer/BusinessNameControlTxt0MIBA
ReturnHeader/Filer/EIN0467335267
ReturnHeader/Filer/PhoneNum05174853600
ReturnHeader/Filer/USAddress/AddressLine1Txt0507 SOUTH GRAND AVENUE
ReturnHeader/Filer/USAddress/CityNm0LANSING
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd048933
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0382157642
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0MANER COSTERISAN PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt02425 E GRAND RIVER SUITE 1
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0LANSING
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0489123291
ReturnHeader/PreparerPersonGrp/PhoneNum05173237500
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0EDWARD L WILLIAMS III CPA
ReturnHeader/ReturnTs02015-12-22T14:19:19-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-07-23
ReturnHeader/TaxPeriodEndDt02015-06-30
ReturnHeader/TaxYr02014

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,943,437
Liabilities
$2,117,770
Net assets
-$174,333
Revenue
$2,793,425
Expenses
$2,967,320
Net income
-$173,895
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$1.11$0.06$1.05
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.87$1.92$1.05$1.55$1.91$0.36
2015Detailed filing. Detailed filing data is available for this year.$1.94$2.12$0.17$2.79$2.97$0.17