Civic Intelligence

Contractor Loan Fund Inc

990 • Fiscal year 2018 • EIN 47-3818078

Jan 01, 2018 to Dec 31, 2018 • Filed on Aug 20, 2019

Organization ProfileWWW.CLFSTL.ORG
1520 Market St No 2000Saint Louis, MO 63103

(314) 342-2992

Siviq Scores

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

Liabilities / Assets

96th percentile

1.52x

Higher debt load relative to assets than 96% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Liabilities / Revenue

100th percentile

31.96x

Higher debt load relative to revenue than 100% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Net Margin

1st percentile

-329%

Higher net margin than 1% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Top Officer Pay

35th percentile

$0

Higher top officer pay than 35% of similar nonprofits.

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

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Asset Growth

4th percentile

-26%

Faster asset growth than 4% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2017 to 2018

Revenue Growth

13th percentile

-23%

Faster revenue growth than 13% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets96th percentile

Assets

Down

$3,307,923

Down $1,176,449 (-26%) from 2017

Net Assets

Down

-$1,723,165

Down $518,650 (-43%) from 2017

Liabilities

Down

$5,031,088

Down $657,799 (-12%) from 2017

Revenue And Expenses
Liabilities / Revenue100th percentileNet Margin1st percentile

Revenue

Down

$157,426

Down $46,049 (-23%) from 2017

Expenses

Down

$676,076

Down $295,140 (-30%) from 2017

Net Income

Up

-$518,650

Up $249,091 (+32%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth4th percentile

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

$6.0M$4.0M$2.0M$0-$2.0M-$4.0MAssets 2015: $3,690,402Liabilities 2015: $3,763,940Net Assets 2015: -$73,5382015Assets 2016: $4,611,809Liabilities 2016: $5,048,583Net Assets 2016: -$436,7742016Assets 2017: $4,484,372Liabilities 2017: $5,688,887Net Assets 2017: -$1,204,5152017Assets 2018: $3,307,923Liabilities 2018: $5,031,088Net Assets 2018: -$1,723,1652018Assets 2019: $2,223,383Liabilities 2019: $4,231,406Net Assets 2019: -$2,008,0232019Assets 2020: $0Liabilities 2020: $0Net Assets 2020: $02020

Highlighted filing

2018

Assets$3,307,923
Liabilities$5,031,088
Net Assets-$1,723,165
Open 2018 Filing

Operations Trend

Revenue Growth13th percentile

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

$1.0M$500K$0-$500K-$1.0MRevenue 2015: $26,797Expenses 2015: $100,335Net Income 2015: -$73,5382015Revenue 2016: $67,732Expenses 2016: $430,968Net Income 2016: -$363,2362016Revenue 2017: $203,475Expenses 2017: $971,216Net Income 2017: -$767,7412017Revenue 2018: $157,426Expenses 2018: $676,076Net Income 2018: -$518,6502018Revenue 2019: $129,539Expenses 2019: $414,397Net Income 2019: -$284,8582019Revenue 2020: $5,146Expenses 2020: $74,599Net Income 2020: -$69,4532020

Highlighted filing

2018

Revenue$157,426
Expenses$676,076
Net Income-$518,650
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Aug 20, 2019
Return Version
2018v3.1
Gross Receipts
$157,426
Mission and Program Overview

Mission

A coalition of local governments, not-for-profit organizations, and small to large private sector businesses committed to build a more inclusive region. (see schedule o)clf partners have pooled their financial and technical business resources to make construction and expansion loans to minority and women owned businesses to facilitate their greater participation in construction projects throughout the region.

To provide loans and technical assistance for certified minority/women business enterprises.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$2,777,373$1,981,670▼ $795,703
Other Notes and Loans Receivable, Net$1,681,908$1,314,097▼ $367,811
Prepaid Expenses and Deferred Charges$3,929$3,929→ $0
Total Assets$4,484,372$3,307,923▼ $1,176,449
Other Assets Total$21,162$8,227▼ $12,935
Liabilities
Other Liabilities$5,671,502$5,021,009▼ $650,493
Accounts Payable and Accrued Expenses$11,232$10,079▼ $1,153
Deferred Revenue$6,153--
Total Liabilities$5,688,887$5,031,088▼ $657,799
Net Assets / Fund Balance
Unrestricted Net Assets$-1,204,515$-1,723,165▼ $518,650
Total Net Assets Fund Balance$-1,204,515$-1,723,165▼ $518,650
Total Liabilities and Net Assets / Fund Balance$4,484,372$3,307,923▼ $1,176,449
Compensation and Service Providers
Top Officer Pay35th percentile

Board Members and Trustees

NameTitle
Christopher K ReichertChairman
Otis WilliamsVice Chairman
Abe AdewaleDirector
Adolphus PruittDirector
Amy KweskinDirector
Ann SutterDirector
Daphanie PointerDirector
Darcella CravenDirector
Gabriella Ramirez-arellanoDirector
Greg MohlerDirector
Howard HayesDirector
James PinkstonDirector
Jamey EdgertonDirector
Jeff MeffordDirector
Justin ReiseDirector
Ken CreehanDirector
Kevin WilsonDirector
Leonard ToenjesDirector
Mitch BarisDirector
Rob BoyleDirector
Robert HardyDirector
Robyn HeidgerDirector
Ron UnterreinerDirector
Scott WilsonDirector
Steve KramerDirector
Suzanne AginDirector
Suzanne HoughDirector
Tim SnokeDirector
Tom FinanDirector
Tracy JamesDirector
Vladimir MonroeDirector
Yaphett El-aminDirector
Dr Ana KaramanDirector (resigned 12/4/18)
Edward BryantDirector (resigned 4/17/18)
Karlos RamirezDirector (resigned 7/13/18)
Dennis LowerSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$157,426
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$-518,650

Audited Revenue Reconciliation

Revenue per Audited Statements
$157,426
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$13,439
Total Revenue per Audited Statements
$170,865
Total Revenue per Form 990
$157,426
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$676,076
Total Fundraising Expense$154
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$189,936--$189,936
Fees for Services Other$32,763--$32,763
Fees for Services Accounting-$10,800-$10,800
Fees for Services Legal-$7,190-$7,190
Insurance-$6,783-$6,783
Information Technology$359$513$154$1,026
Other Expenses$13,197$92-$92
Total Functional Expenses$650,544$25,378$154$676,076

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$689,515
Expenses per Audited Statements$676,076
Total Expenses per Form 990$676,076
Expenses Not Reported on Form 990$13,439
Expenses Not Reported on Financial Statements$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
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Notes Payable - Subordinated Promissory Note Agreements$4,086,427
Note Payable - Revolving Line of Credit Agreement$874,823
Due to Loan Service Providers$58,409
Accrued Interest Payable$1,350
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
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
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, Part VI, Section B, Line 11B

“The form 990 is provided to members of the board of directors for review prior to filing.”

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

“The organization's conflict of interest policy is reviewed and signed annually by each board member.”

Form 990, Part VI, Section C, Line 19

“Any governing documents, conflict of interest policy and financial statements are available upon request.”

Filing and Contact Details

Filer

Filer Name
Contractor Loan Fund Inc
EIN
47-3818078
Phone
3143422992
Address
1520 MARKET ST NO 2000, SAINT LOUIS, MO 63103

Signing Officer

Name
Christopher K Reichert
Title
Chairman
Phone
3143422992
Signed
2019-08-20
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Christopher K Reichert
Formed
2015
Legal Domicile
Mo
Voting Board Members
33
Independent Board Members
33
Employees
0
Volunteers
44

Preparer

Firm
Brown Smith Wallace Llp
Address
6 CITYPLACE DRIVE SUITE 900, ST LOUIS, MO 63141
Preparer
Jennifer M Vacha
Phone
3149831200
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

“The audit committee of the organization is responsible for appointing a firm of certified public accountants for the audit and overseeing audit procedures. This process has not changed since prior year.”

Financial Statement Notes

PART X, LINE 2:

“The organization is a not-for-profit agency as described in section 501(c)(3) of the internal revenue code and is exempt from federal income taxes on related income pursuant to section 501(a) of the code. In that regard, the organization has evaluated its tax positions, expiring statutes of limitations, audits, proposed settlements, changes in tax law and new authoritative rulings and believes that no provision for income taxes is necessary, at this time, to cover any uncertain tax positions.”

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IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR (RESIGNED 4/17/18)
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt18DIRECTOR (RESIGNED 12/4/18)
IRS990/Form990PartVIISectionAGrp/TitleTxt19DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt20DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt21DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt22DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt23DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt24DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt25DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt26DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt27DIRECTOR (RESIGNED 7/13/18)
IRS990/Form990PartVIISectionAGrp/TitleTxt28DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt29DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt30DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt31DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt32DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt33DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt34DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt35DIRECTOR
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Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,307,923
Liabilities
$5,031,088
Net assets
-$1,723,165
Revenue
$157,426
Expenses
$676,076
Net income
-$518,650
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$0.01$0.07$0.07
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.22$4.23$2.01$0.13$0.41$0.28
2018Detailed filing. Detailed filing data is available for this year.$3.31$5.03$1.72$0.16$0.68$0.52
2017Summary only. Only limited summary data is available for this year.$4.48$5.69$1.20$0.20$0.97$0.77
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.61$5.05$0.44$0.07$0.43$0.36
2015Detailed filing. Detailed filing data is available for this year.$3.69$3.76$0.07$0.03$0.10$0.07