Civic Intelligence

Contractor Loan Fund Inc

990 • Fiscal year 2019 • EIN 47-3818078

Jan 01, 2019 to Dec 31, 2019 • Filed on Oct 26, 2020

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

98th percentile

1.90x

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

2019 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2019

Liabilities / Revenue

100th percentile

32.67x

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

2019 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2019

Net Margin

1st percentile

-220%

Higher net margin than 1% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2019

Top Officer Pay

36th percentile

$0

Higher top officer pay than 36% of similar nonprofits.

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

2019 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2019

Asset Growth

3rd percentile

-33%

Faster asset growth than 3% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Revenue Growth

16th percentile

-18%

Faster revenue growth than 16% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets98th percentile

Assets

Down

$2,223,383

Down $1,084,540 (-33%) from 2018

Net Assets

Down

-$2,008,023

Down $284,858 (-17%) from 2018

Liabilities

Down

$4,231,406

Down $799,682 (-16%) from 2018

Revenue And Expenses
Liabilities / Revenue100th percentileNet Margin1st percentile

Revenue

Down

$129,539

Down $27,887 (-18%) from 2018

Expenses

Down

$414,397

Down $261,679 (-39%) from 2018

Net Income

Up

-$284,858

Up $233,792 (+45%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth3rd 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

2019

Assets$2,223,383
Liabilities$4,231,406
Net Assets-$2,008,023
Open 2019 Filing

Operations Trend

Revenue Growth16th 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

2019

Revenue$129,539
Expenses$414,397
Net Income-$284,858
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Oct 26, 2020
Return Version
2019v5.1
Gross Receipts
$129,539
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$1,981,670$1,638,786▼ $342,884
Other Notes and Loans Receivable, Net$1,314,097$483,265▼ $830,832
Prepaid Expenses and Deferred Charges$3,929$3,977▲ $48
Total Assets$3,307,923$2,223,383▼ $1,084,540
Other Assets Total$8,227$97,355▲ $89,128
Liabilities
Other Liabilities$5,021,009$4,229,227▼ $791,782
Accounts Payable and Accrued Expenses$10,079$2,179▼ $7,900
Total Liabilities$5,031,088$4,231,406▼ $799,682
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$-1,723,165$-2,008,023▼ $284,858
Total Net Assets Fund Balance$-1,723,165$-2,008,023▼ $284,858
Total Liabilities and Net Assets / Fund Balance$3,307,923$2,223,383▼ $1,084,540
Compensation and Service Providers
Top Officer Pay36th 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
Rodney CrimDirector
Ron UnterreinerDirector
Scott WilsonDirector
Steve KramerDirector
Suzanne AginDirector
Suzanne HoughDirector
Tim SnokeDirector
Tom FinanDirector
Tracy JamesDirector
Vladimir MonroeDirector
Yaphett El-aminDirector
Dennis LowerSecretary
Philip SaetteleTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$129,539
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$-284,858

Audited Revenue Reconciliation

Revenue per Audited Statements
$129,539
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$26,309
Total Revenue per Audited Statements
$155,848
Total Revenue per Form 990
$129,539
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$414,397
Total Fundraising Expense$63
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$164,473--$164,473
Fees for Services Other$16,000--$16,000
Fees for Services Accounting-$11,900-$11,900
Fees for Services Legal-$8,209-$8,209
Insurance-$6,765-$6,765
Other Expenses$4,260$110-$4,370
Information Technology$147$210$63$420
Total Functional Expenses$387,140$27,194$63$414,397

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$440,706
Expenses per Audited Statements$414,397
Total Expenses per Form 990$414,397
Expenses Not Reported on Form 990$26,309
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$4,229,227
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 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, 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
2020-10-26
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Christopher K Reichert
Formed
2015
Legal Domicile
Mo
Voting Board Members
35
Independent Board Members
35
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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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/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt18DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt19DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt20DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt21DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt22DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt23DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt24DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt25DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt26DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt30DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt33DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt34DIRECTOR
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IRS990/FormationYr02015
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Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,223,383
Liabilities
$4,231,406
Net assets
-$2,008,023
Revenue
$129,539
Expenses
$414,397
Net income
-$284,858
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
2019Detailed filing. Detailed filing data is available for this year.$2.22$4.23$2.01$0.13$0.41$0.28
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$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