Civic Intelligence

Habitat for Humanity of Wicomico County Inc

EIN 52-1522421 • 501(c)3 • Fruitland, MD

Profile

Seeking to put god's love into action, habitat for humanity brings people together to build homes, communities and hope to realize our vision of a world where everyone has a decent place to live. Habitat for humanity wicomico adheres to a strict non-proselytizing policy and will not offer assistance on the expressed or implied condition that people must adhere to or convert to a particular faith or listen and respond to messaging designed to induce conversion to a particular faith.

105 N Dulany AveFruitland, MD 21826

www.wicomicohabitat.org

Siviq Scores

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

Liabilities / Assets

70th percentile

0.32x

Higher debt load relative to assets than 70% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2025

Liabilities / Revenue

80th percentile

0.68x

Higher debt load relative to revenue than 80% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2025

Net Margin

67th percentile

14%

Higher net margin than 67% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2025

Top Officer Pay

36th percentile

$94,655

Higher top officer pay than 36% of similar nonprofits.

Top officer pay equals 2.9% of source-year revenue.

501(c)3 • $5M-$10M nonprofits • Source year 2025

Asset Growth

83rd percentile

23%

Faster asset growth than 83% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2024 to 2025

Revenue Growth

13th percentile

-23%

Faster revenue growth than 13% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets70th percentile

Assets

Up

$6,890,678

Up $1,299,434 (+23%) from 2024

Liabilities

Up

$2,236,811

Up $692,431 (+45%) from 2024

Net Assets

Up

$4,653,867

Up $607,003 (+15%) from 2024

Operations
Liabilities / Revenue80th percentileNet Margin67th percentile

Revenue

Down

$3,281,667

Down $956,183 (-23%) from 2024

Expenses

Down

$2,819,181

Down $926,830 (-25%) from 2024

Net Income

Down

$462,486

Down $29,353 (-6.0%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth83rd percentile

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2011: $1,842,300Liabilities 2011: $407,506Net Assets 2011: $1,434,7942011Assets 2012: $1,962,230Liabilities 2012: $419,875Net Assets 2012: $1,542,3552012Assets 2013: $1,818,494Liabilities 2013: $388,426Net Assets 2013: $1,430,0682013Assets 2014: $2,006,763Liabilities 2014: $389,652Net Assets 2014: $1,617,1112014Assets 2015: $2,154,133Liabilities 2015: $383,026Net Assets 2015: $1,771,1072015Assets 2016: $2,280,910Liabilities 2016: $485,200Net Assets 2016: $1,795,7102016Assets 2017: $2,375,966Liabilities 2017: $419,366Net Assets 2017: $1,956,6002017Assets 2018: $2,435,802Liabilities 2018: $482,388Net Assets 2018: $1,953,4142018Assets 2019: $2,511,419Liabilities 2019: $396,350Net Assets 2019: $2,115,0692019Assets 2020: $2,686,037Liabilities 2020: $521,357Net Assets 2020: $2,164,6802020Assets 2021: $2,906,017Liabilities 2021: $459,526Net Assets 2021: $2,446,4912021Assets 2022: $3,867,227Liabilities 2022: $1,265,084Net Assets 2022: $2,602,1432022Assets 2023: $5,000,254Liabilities 2023: $1,550,027Net Assets 2023: $3,450,2272023Assets 2024: $5,591,244Liabilities 2024: $1,544,380Net Assets 2024: $4,046,8642024Assets 2025: $6,890,678Liabilities 2025: $2,236,811Net Assets 2025: $4,653,8672025

Highlighted filing

2025

Assets$6,890,678
Liabilities$2,236,811
Net Assets$4,653,867
Open 2025 Filing

Operations Trend

Revenue Growth13th percentile

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

$6.0M$4.0M$2.0M$0-$2.0MRevenue 2011: $879,746Expenses 2011: $789,413Net Income 2011: $90,3332011Revenue 2012: $509,077Expenses 2012: $401,516Net Income 2012: $107,5612012Expenses 2013: $1,335,1002013Revenue 2014: $638,840Expenses 2014: $451,797Net Income 2014: $187,0432014Revenue 2015: $796,800Expenses 2015: $642,804Net Income 2015: $153,9962015Revenue 2016: $1,115,161Expenses 2016: $1,090,558Net Income 2016: $24,6032016Revenue 2017: $1,249,497Expenses 2017: $1,088,607Net Income 2017: $160,8902017Revenue 2018: $1,017,391Expenses 2018: $1,033,577Net Income 2018: -$16,1862018Revenue 2019: $960,450Expenses 2019: $798,795Net Income 2019: $161,6552019Revenue 2020: $1,154,037Expenses 2020: $1,155,544Net Income 2020: -$1,5072020Revenue 2021: $2,245,119Expenses 2021: $2,045,949Net Income 2021: $199,1702021Revenue 2022: $5,868,087Expenses 2022: $5,884,258Net Income 2022: -$16,1712022Revenue 2023: $4,580,585Expenses 2023: $3,902,401Net Income 2023: $678,1842023Revenue 2024: $4,237,850Expenses 2024: $3,746,011Net Income 2024: $491,8392024Revenue 2025: $3,281,667Expenses 2025: $2,819,181Net Income 2025: $462,4862025

Highlighted filing

2025

Revenue$3,281,667
Expenses$2,819,181
Net Income$462,486
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$6,890,678
Liabilities
$2,236,811
Net assets
$4,653,867
Revenue
$3,281,667
Expenses
$2,819,181
Net income
$462,486
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.89$2.24$4.65$3.28$2.82$0.46
2024Detailed filing. Detailed filing data is available for this year.$5.59$1.54$4.05$4.24$3.75$0.49
2023Detailed filing. Detailed filing data is available for this year.$5.00$1.55$3.45$4.58$3.90$0.68
2022Detailed filing. Detailed filing data is available for this year.$3.87$1.27$2.60$5.87$5.88$0.02
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.91$0.46$2.45$2.25$2.05$0.20
2020Detailed filing. Detailed filing data is available for this year.$2.69$0.52$2.16$1.15$1.16$0.00
2019Detailed filing. Detailed filing data is available for this year.$2.51$0.40$2.12$0.96$0.80$0.16
2018Detailed filing. Detailed filing data is available for this year.$2.44$0.48$1.95$1.02$1.03$0.02
2017Detailed filing. Detailed filing data is available for this year.$2.38$0.42$1.96$1.25$1.09$0.16
2016Detailed filing. Detailed filing data is available for this year.$2.28$0.49$1.80$1.12$1.09$0.02
2015Detailed filing. Detailed filing data is available for this year.$2.15$0.38$1.77$0.80$0.64$0.15
2014Detailed filing. Detailed filing data is available for this year.$2.01$0.39$1.62$0.64$0.45$0.19
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.82$0.39$1.43$1.34
2012Summary only. Only limited summary data is available for this year.$1.96$0.42$1.54$0.51$0.40$0.11
2011Summary only. Only limited summary data is available for this year.$1.84$0.41$1.43$0.88$0.79$0.09
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Aug 25, 2025
Return Version
2024v5.2
Gross Receipts
$3,352,583
Mission and Program Overview

Mission

Residents of wicomico county will receive information about affordable housing options available through habitat. Habitat will administer qualification process for building housing for low-income families.

Seeking to put god's love into action, habitat for humanity brings people together to build homes, communities and hope to realize our vision of a world where everyone has a decent place to live. Habitat for humanity wicomico adheres to a strict non-proselytizing policy and will not offer assistance on the expressed or implied condition that people must adhere to or convert to a particular faith or listen and respond to messaging designed to induce conversion to a particular faith.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$2,241,473$2,225,352▼ $16,121
Other Notes and Loans Receivable, Net$1,735,773$2,077,831▲ $342,058
Inventories for Sale or Use$901,831$1,886,164▲ $984,333
Cash and Non-Interest-Bearing Accounts$487,942$538,171▲ $50,229
Savings and Temporary Cash Investments$126,712$133,436▲ $6,724
Prepaid Expenses and Deferred Charges$1,800$16,023▲ $14,223
Accounts Receivable$95,713$13,701▼ $82,012
Total Assets$5,591,244$6,890,678▲ $1,299,434
Liabilities
Mortgage Notes Payable Secured by Investment Property$1,353,052$1,248,611▼ $104,441
Other Liabilities$4,675$754,099▲ $749,424
Escrow Account Liability$62,294$141,632▲ $79,338
Accounts Payable and Accrued Expenses$124,359$92,469▼ $31,890
Total Liabilities$1,544,380$2,236,811▲ $692,431
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$3,821,825$4,188,629▲ $366,804
Net Assets With Donor Restrictions$225,039$465,238▲ $240,199
Total Net Assets Fund Balance$4,046,864$4,653,867▲ $607,003
Total Liabilities and Net Assets / Fund Balance$5,591,244$6,890,678▲ $1,299,434

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,920,682$291,295-
Other Land Buildings$82,339$52,999-
Land$204,879--
Equipment$17,452$37,560-
Compensation and Service Providers
Top Officer Pay36th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Molly HilligossPresident & CEOFT$90,475$4,180$94,655

Board Members and Trustees

NameTitle
Donald BaileyChairman
Scott DuncanVice Chair
Anthony DerosaDirector
Brenden FrederickDirector
Charlotte MatthewsDirector
Deatrice LeonardDirector
Fritz JeudyDirector
Lauren DyerDirector
Melissa GeeslinDirector
Michael CrowsonDirector
Michelle MilesDirector
Raeshema HitchDirector
Tara BlaineDirector
Ted MarcusSecretary
Ok HardinTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$1,942,400
Program Service Revenue
$1,284,964
Investment Income
$12,754
Other Revenue
$41,549
All Other Contributions
$1,474,081
Change in Net Assets
$462,486

Noncash Contribution Practices

Property subject to holding requirements
No
Reviewed unusual noncash gifts
No
Third parties used for noncash contributions
No

Noncash Contributions

Contribution TypeContribution CountReported AmountValuation Method
Clothing and Household Goods-$656,660Estimated Fair Market Value (FMV)
Other Non Cash Contri Table1$227,683Present Value
Total Noncash Contributions1$884,343-

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,665,652
Revenue Not Reported on Financial Statements
$616,015
Revenue Not Reported on Form 990
$144,517
Other Revenue Adjustments
$616,015
Total Revenue per Audited Statements
$2,810,169
Total Revenue per Form 990
$3,281,667
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,896,637
Salaries, Compensation, and Employee Benefits$922,544
Total Fundraising Expense$106,166
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$663,551$49,522$32,589$745,662
All Other Expenses$79,492$26,165$10,036$115,693
Current Officers, Directors, Trustees, and Key Employees$24,739$44,305$24,614$93,658
Depreciation Depletion$70,361$6,698$7,162$84,221
Occupancy$62,655$4,198$3,597$70,450
Payroll Taxes$49,288$6,552$4,492$60,332
Interest$40,271$4,481$4,386$49,138
Insurance$39,330$7,140-$46,470
Other Expenses$43,654--$43,654
Other Employee Benefits$16,733$3,534$2,625$22,892
Advertising$9,867$915$11,169$21,951
Fees for Services Accounting$2,394$19,096-$21,490
Office Expenses$6,314$9,574$1,756$17,644
Fees for Services Management$10,460$4,713$2,093$17,266
Travel$16,197$10$205$16,412
Conferences and Meetings$1,781$2,774$1,442$5,997
Total Functional Expenses$2,523,338$189,677$106,166$2,819,181

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$2,819,181
Total Expenses per Audited Statements$2,203,166
Expenses per Audited Statements$2,196,241
Expenses Not Reported on Financial Statements$622,940
Other Expense Adjustments$622,940
Expenses Not Reported on Form 990$6,925
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$49,092
Fundraising Gross Income$48,017
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Chefs Fof Habitat$134,801$33,637$16,709$16,928
Total Events$149,181$48,017$49,092$-1,075
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Line of Credit$750,909
Operating Lease Payable$3,190
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
Yes
Other officer compensation reviewed
Yes
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 the management for review and approval before submission.”

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

“All board members are required to review conflict of interest policy annually.”

Form 990, Part VI, Section B, Line 15

“A search committee researches other habitat affiliates for compensation packages, reviews the resumes, interviews applicants.”

Form 990, Part VI, Section C, Line 19

“All documents are available at the office and plan to publish on the website.”

Filing and Contact Details

Filer

Filer Name
Habitat for Humanity of Wicomico County
EIN
52-1522421
Phone
4105461551
Address
105 N DULANY AVE, FRUITLAND, MD 21826

Signing Officer

Name
Molly Hilligoss
Title
President & CEO
Phone
4105461551
Signed
2025-08-25
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Molly Hilligoss
Formed
1987
Legal Domicile
Md
Voting Board Members
15
Independent Board Members
15
Employees
26
Volunteers
278

Preparer

Firm
Pks & Company Pa
Address
1801 SWEETBAY DRIVE, SALISBURY, MD 21804
Preparer
James D Maybury CPA
Phone
4105465600
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

“This process has not changed from the previous year.”

Financial Statement Notes

PART IV, LINE 2B:

“The organization collects monies in escrow from those clients in which purchased a house under the organization's program service. These monies are held to help pay the clients' real estate taxes and home insurance.”

PART X, LINE 2:

“Under the provisions of financial accounting standards board (fasb) asc 740, income taxes, tax positions initially need to be recognized in the financial statements when it is more likely than not the positions will be sustained upon examination by the taxing authorities. The organization has no uncertain tax positions that qualify for either recognition or disclosure in the financial statements.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Rental expenses -3,549. Restore cost of goods sold 622,940. Loss on sale -3,376.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Rental expenses 3,549. Loss on sale 3,376.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Restore cost of goods sold 622,940.”

Raw XML AppendixShowing 400 of 619 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/ActivityOrMissionDesc0SEEKING TO PUT GOD'S LOVE INTO ACTION, HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES AND HOPE TO REALIZE OUR VISION OF A WORLD WHERE EVERYONE HAS A DECENT PLACE TO LIVE. HABITAT FOR HUMANITY WICOMICO ADHERES TO A STRICT NON-PROSELYTIZING POLICY AND WILL NOT OFFER ASSISTANCE ON THE EXPRESSED OR IMPLIED CONDITION THAT PEOPLE MUST ADHERE TO OR CONVERT TO A PARTICULAR FAITH OR LISTEN AND RESPOND TO MESSAGING DESIGNED TO INDUCE CONVERSION TO A PARTICULAR FAITH.
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IRS990/Form990PartVIISectionAGrp/PersonNm0RAESHEMA HITCH
IRS990/Form990PartVIISectionAGrp/PersonNm1DEATRICE LEONARD
IRS990/Form990PartVIISectionAGrp/PersonNm2SCOTT DUNCAN
IRS990/Form990PartVIISectionAGrp/PersonNm3BRENDEN FREDERICK
IRS990/Form990PartVIISectionAGrp/PersonNm4DONALD BAILEY
IRS990/Form990PartVIISectionAGrp/PersonNm5FRITZ JEUDY
IRS990/Form990PartVIISectionAGrp/PersonNm6CHARLOTTE MATTHEWS
IRS990/Form990PartVIISectionAGrp/PersonNm7MICHAEL CROWSON
IRS990/Form990PartVIISectionAGrp/PersonNm8TARA BLAINE
IRS990/Form990PartVIISectionAGrp/PersonNm9ANTHONY DEROSA
IRS990/Form990PartVIISectionAGrp/PersonNm10TED MARCUS
IRS990/Form990PartVIISectionAGrp/PersonNm11OK HARDIN
IRS990/Form990PartVIISectionAGrp/PersonNm12MELISSA GEESLIN
IRS990/Form990PartVIISectionAGrp/PersonNm13MICHELLE MILES
IRS990/Form990PartVIISectionAGrp/PersonNm14LAUREN DYER
IRS990/Form990PartVIISectionAGrp/PersonNm15MOLLY HILLIGOSS
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IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt11TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15PRESIDENT & CEO
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IRS990/MissionDesc0SEEKING TO PUT GOD'S LOVE INTO ACTION, HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES AND HOPE TO REALIZE OUR VISION OF A WORLD WHERE EVERYONE HAS A DECENT PLACE TO LIVE. HABITAT FOR HUMANITY WICOMICO ADHERES TO A STRICT NON-PROSELYTIZING POLICY AND WILL NOT OFFER ASSISTANCE ON THE EXPRESSED OR IMPLIED CONDITION THAT PEOPLE MUST ADHERE TO OR CONVERT TO A PARTICULAR FAITH OR LISTEN AND RESPOND TO MESSAGING DESIGNED TO INDUCE CONVERSION TO A PARTICULAR FAITH.
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IRS990/OtherExpensesGrp/Desc0CONSTRUCTION AND LAND C
IRS990/OtherExpensesGrp/Desc1RESTORE COST OF GOODS S
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IRS990/PrincipalOfficerNm0MOLLY HILLIGOSS
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IRS990/ProgramServiceRevenueGrp/Desc2HOME SALES
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IRS990/ProgramServiceRevenueGrp/Desc4OTHER PROGRAM INCOME
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1341802
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2190500
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1341802
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt45513
IRS990/ProgSrvcAccomActy2Grp/Desc0CRITICAL HOME REPAIR PROGRAM: THE CRITICAL HOME REPAIR PROGRAM PROVIDES URGENT AND MAJOR HOME REPAIRS TO PRESERVE HOMES FOR OUR LOW-INCOME HOMEOWNERS THAT DESIRE TO AGE IN PLACE. HFHWC DEEPLY UNDERSTANDS THE DESIRE OF SENIORS TO LIVE INDEPENDENTLY AND SAFELY IN THEIR OWN HOMES. TWO SUB-PROGRAMS INCLUDE "AGING IN PLACE AND "VETERAN BUILD" BOTH ENSURING THAT ELDERLY HOMEOWNERS IN WICOMICO AND SOMERSET COUNTIES CAN ENJOY THEIR HOMES FOR YEARS TO COME, WITH DIGNITY AND COMFORT. REFERRALS AND COLLABORATIONS WITH OTHER NON-PROFITS, TIDALHEALTH AND GOVERNMENT OFFICES HAVE BEEN IN PLACE FOR THE LAST 10 YEARS. ELIGIBILITY CRITERIA: 1)HOMEOWNERS RESIDING IN WICOMICO OR SOMERSET COUNTIES. 2) INDIVIDUALS STRUGGLING WITH CRITICAL HOME REPAIRS THAT POSE A THREAT TO SAFETY AND/OR HEALTH. 3) HOUSEHOLDS MEETING INCOME GUIDELINES AND DEMONSTRATING A FINANCIAL NEED AND 4) HOME BEING REPAIRED MUST BE HOMEOWNER OCCUPIED.
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IRS990/ProgSrvcAccomActy2Grp/RevenueAmt0341802
IRS990/ProgSrvcAccomActy3Grp/Desc0RESTORE PROGRAM: HABITAT FOR HUMANITY WICOMICO OPERATES A HABITAT FOR HUMANITY WICOMICO RESTORE, A RETAIL OPERATION WHERE DONATED FURNITURE, APPLIANCES, BUILDING MATERIALS, AND OTHER MISCELLANEOUS ITEMS ARE SOLD TO THE COMMUNITY AT A GREATLY REDUCED PRICE. THE RESTORE FUNDS THE MISSION OF THE ORGANIZATION AND PROVIDES OPERATING INCOME FOR THE ORGANIZATION PLUS ADDITIONAL NET INCOME FOR HOME BUILDING AND HOME REPAIR PROGRAMS.
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