Civic Intelligence

Baltimore Community Lending Inc.

990 • Fiscal year 2012 • EIN 52-1632468

Jul 01, 2011 to Jun 30, 2012 • Filed on Nov 14, 2012

Organization ProfileWWW.BCLENDING.ORG

View Organization Page

120 East Baltimore Street No 181021202
Siviq Scores

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

Liabilities / Assets

48th percentile

0.24x

Higher debt load relative to assets than 48% of similar nonprofits.

2012 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

1st percentile

-37%

Faster asset growth than 1% of similar nonprofits.

2012 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets48th percentile

Assets

Down

$15,293,645

Down $9,170,478 (-37%) from 2011

Net Assets

Up

$11,656,723

Up $175,796 (+1.5%) from 2011

Liabilities

Down

$3,636,922

Down $9,346,274 (-72%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$989,852

Down $210,107 (-18%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth1st percentile

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

$60M$40M$20M$0Assets 2011: $24,464,123Liabilities 2011: $12,983,196Net Assets 2011: $11,480,9272011Assets 2012: $15,293,645Liabilities 2012: $3,636,922Net Assets 2012: $11,656,7232012Assets 2013: $17,446,837Liabilities 2013: $5,404,644Net Assets 2013: $12,042,1932013Assets 2014: $18,369,455Liabilities 2014: $5,062,452Net Assets 2014: $13,307,0032014Assets 2015: $18,341,709Liabilities 2015: $4,665,049Net Assets 2015: $13,676,6602015Assets 2016: $17,788,269Liabilities 2016: $4,487,273Net Assets 2016: $13,300,9962016Assets 2017: $17,889,925Liabilities 2017: $4,845,984Net Assets 2017: $13,043,9412017Assets 2018: $18,872,297Liabilities 2018: $5,790,864Net Assets 2018: $13,081,4332018Assets 2019: $20,439,156Liabilities 2019: $7,413,775Net Assets 2019: $13,025,3812019Assets 2020: $24,218,004Liabilities 2020: $11,043,539Net Assets 2020: $13,174,4652020Assets 2021: $27,611,134Liabilities 2021: $13,747,045Net Assets 2021: $13,864,0892021Assets 2022: $32,545,900Liabilities 2022: $16,295,605Net Assets 2022: $16,250,2952022Assets 2023: $37,305,565Liabilities 2023: $20,143,885Net Assets 2023: $17,161,6802023Assets 2024: $40,362,956Liabilities 2024: $22,091,376Net Assets 2024: $18,271,5802024Assets 2025: $44,380,351Liabilities 2025: $27,416,364Net Assets 2025: $16,963,9872025

Highlighted filing

2012

Assets$15,293,645
Liabilities$3,636,922
Net Assets$11,656,723
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$15M$10M$5.0M$0-$5.0MRevenue 2011: $1,508,764Expenses 2011: $1,199,959Net Income 2011: $308,8052011Expenses 2012: $989,8522012Revenue 2013: $1,491,483Expenses 2013: $1,047,148Net Income 2013: $444,3352013Revenue 2014: $2,184,137Expenses 2014: $852,000Net Income 2014: $1,332,1372014Revenue 2015: $1,065,447Expenses 2015: $681,380Net Income 2015: $384,0672015Revenue 2016: $889,493Expenses 2016: $1,267,699Net Income 2016: -$378,2062016Revenue 2017: $1,204,735Expenses 2017: $1,448,242Net Income 2017: -$243,5072017Revenue 2018: $1,387,587Expenses 2018: $1,323,595Net Income 2018: $63,9922018Revenue 2019: $1,554,886Expenses 2019: $1,627,146Net Income 2019: -$72,2602019Revenue 2020: $2,349,981Expenses 2020: $2,178,836Net Income 2020: $171,1452020Revenue 2021: $4,188,946Expenses 2021: $3,499,320Net Income 2021: $689,6262021Revenue 2022: $4,977,119Expenses 2022: $2,590,915Net Income 2022: $2,386,2042022Revenue 2023: $4,865,383Expenses 2023: $3,975,555Net Income 2023: $889,8282023Revenue 2024: $6,394,581Expenses 2024: $5,248,201Net Income 2024: $1,146,3802024Revenue 2025: $8,804,597Expenses 2025: $10,024,988Net Income 2025: -$1,220,3912025

Highlighted filing

2012

Revenue-
Expenses$989,852
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2011 to Jun 30, 2012
Signed
Nov 14, 2012
Return Version
2011v1.2
Gross Receipts
$1,079,020
Mission and Program Overview

Mission

The mission of baltimore community lending is supporting the revitalization and strengthening of underserved communities in the greater baltimore region through innovative financial solutions and collaborative resources designed to promote community development.

Major Activities

Activity 2
Community development lending:provided in excess of $1 million in loan fund commitments under bcl's commercial/multi-family program for development in lmi communities.
Activity 3
Community impact program development:continued to consult and develop contracts for the implementation of several programs on behalf of a large local community enterprise. Programs include 1) construction management services for approximately 20 homeowner rehabilitation projects utilizing $2.5 million in grant funds, 2) financial services and potential construction services in support of the relocation of approximately 20 residents in an identified community development area supported by approximately $2 million in grant funds.
Filing and Contact Details

Filer

EIN
52-1632468
Raw XML AppendixShowing 400 of 579 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/Activity2/Description0COMMUNITY DEVELOPMENT LENDING:PROVIDED IN EXCESS OF $1 MILLION IN LOAN FUND COMMITMENTS UNDER BCL'S COMMERCIAL/MULTI-FAMILY PROGRAM FOR DEVELOPMENT IN LMI COMMUNITIES.
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IRS990/ActivityOrMissionDescription0TO SUPPORT THE REVITALIZATION AND STRENGTHENING OF BALTIMORE NEIGHBORHOODS THROUGH INNOVATIVE AND FLEXIBLE FINANCIAL ASSISTANCE. BCL IS CHARTERED TO "ASSIST IN THE REHABILITATING OF VACANT AND ABANDONED RESIDENTIAL PROPERTIES, PROMOTING HOMEOWNERSHIP AND REVITALIZING DECLINING NEIGHBORHOOD COMMERCIAL DISTRICTS IN THE CITY OF BALTIMORE, MARYLAND (THE "CITY"); AND, BY PROVIDING ENHANCED HOUSING AND COMMERCIAL OPPORTUNITIES FOR DISADVANTAGED RESIDENTS AND BUSINESSES OF THE CITY, TO ASSIST THE CITY IN DECREASING THE HOUSING AND NEIGHBORHOOD BURDENS OF THE GOVERNMENTS OF THE CITY."
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IRS990ScheduleA/InvestmentIncomePercentage00.24140
IRS990ScheduleA/PriorYearSupportPercentage00.73780
IRS990ScheduleA/PriorYrInvestIncomePercentage00.26220
IRS990ScheduleA/PubliclySupportedOrg509a20X
IRS990ScheduleA/PublicSupportPercentage50900.75860
IRS990ScheduleA/PublicSupportTotal50907830361
IRS990ScheduleA/SupportFromDQPsEtc/Total00
IRS990ScheduleA/ThirtyThreePercntTestsCY5090X
IRS990ScheduleA/Total509/CurrentTaxYear0878388
IRS990ScheduleA/Total509/CurrentTaxYearMinus1Year01198721
IRS990ScheduleA/Total509/CurrentTaxYearMinus2Years01645428
IRS990ScheduleA/Total509/CurrentTaxYearMinus3Years01678265
IRS990ScheduleA/Total509/CurrentTaxYearMinus4Years02429559
IRS990ScheduleA/Total509/Total07830361
IRS990ScheduleA/TotalSupportTotal/CurrentTaxYear01078020
IRS990ScheduleA/TotalSupportTotal/CurrentTaxYearMinus1Year01505795
IRS990ScheduleA/TotalSupportTotal/CurrentTaxYearMinus2Years01983526
IRS990ScheduleA/TotalSupportTotal/CurrentTaxYearMinus3Years02229822
IRS990ScheduleA/TotalSupportTotal/CurrentTaxYearMinus4Years03525035
IRS990ScheduleA/TotalSupportTotal/Total010322198
IRS990ScheduleB/ContributorInfo/AggregateContributions0RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorAddressUS/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorAddressUS/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorAddressUS/City0RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorAddressUS/State0RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorAddressUS/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorNameBusiness/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorNumber0RESTRICTED
IRS990/ScheduleBRequired01
IRS990ScheduleD/AgentTrusteeEtc00
IRS990ScheduleD/Equipment/BookValue055151
IRS990ScheduleD/Equipment/Depreciation0145823
IRS990ScheduleD/Equipment/OtherCostOrOtherBasis0200974
IRS990ScheduleD/ExcessOrDeficitForYear089168
IRS990ScheduleD/ExcessOrDeficitPerFS0175796
IRS990ScheduleD/ExpensesNotRptdF9900300
IRS990ScheduleD/ExpensesNotRptdOnFinStmt00
IRS990ScheduleD/ExpensesSubtotal0989852
IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation0BALTIMORE COMMUNITY LENDING, INC. HAS CONTRACTED WITH ANOTHER EXEMPT ORGANIZATION TO PROVIDE ADMINISTRATIVE AND MANAGEMENT OVERSIGHT OF A PROGRAM TO SUPPORT URBAN HOME REHABILITATION AND DEVELOPMENT. BCL RECEIVED AN UPFRONT SUM OF MONEY TO BE USED TO HIRE CONTRACTORS AND MANAGE CONSTRUCTION PROJECTS RELATED TO THE PROGRAM. THE BALANCE IN THE ESCROW ACCOUNT AT JUNE 30, 2012 OF $239,280 REPRESENTS THE MONEY YET TO BE USED TOWARD THE PROGRAM (IT HAS ALREADY BEEN ALLOCATED TO SPECIFIC PROJECTS). THE REMAINING ESCROW FUNDS OF $84,420 WERE COLLECTED BY THE ORGANIZATION ON VARIOUS MORTGAGES AND PERMANENT LOANS TO PAY FOR INSURANCE, REAL ESTATE TAXES, LEGAL FEES, AND DEPOSITS.
IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation1BCL FOLLOWS THE PROVISIONS OF ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES UNDER THE INCOME TAXES TOPIC OF THE CODIFICATION. THE CODIFICATION REQUIRES THE EVALUATION OF TAX POSITIONS, WHICH INCLUDE MAINTAINING ITS TAX-EXEMPT STATUS AND THE TAXABILITY OF ANY UNRELATED BUSINESS INCOME, AND DOES NOT ALLOW RECOGNITION OF TAX POSITIONS WHICH DO NOT MEET A "MORE-LIKELY-THAN-NOT" THRESHOLD OF BEING SUSTAINED BY THE APPLICABLE TAX AUTHORITY. MANAGEMENT DOES NOT BELIEVE IT HAS TAKEN ANY TAX POSITIONS THAT WOULD NOT MEET THIS THRESHOLD.
IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation2NET INCOME FROM SUBSIDIARY, ELIMINATED IN CONSOLIDATION 124,700.
IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation3REVENUE OF CONSOLIDATED ENTITY INCLUDED IN THE FINANCIAL STATEMENTS 125,000.
IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation4EXPENSES OF CONSOLIDATED ENTITY INCLUDED IN THE FINANCIAL STATEMENTS 300.
IRS990ScheduleD/Form990ScheduleDPartXIV/Identifier0DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48:
IRS990ScheduleD/Form990ScheduleDPartXIV/Identifier1PART XI, LINE 8 - OTHER ADJUSTMENTS:
IRS990ScheduleD/Form990ScheduleDPartXIV/Identifier2PART XII, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/Form990ScheduleDPartXIV/Identifier3PART XIII, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/Form990ScheduleDPartXIV/ReturnReference0PART IV, LINE 2B:
IRS990ScheduleD/Form990ScheduleDPartXIV/ReturnReference1PART X:
IRS990ScheduleD/IncludedOnFS01
IRS990ScheduleD/LeaseholdImprovements/BookValue08491
IRS990ScheduleD/LeaseholdImprovements/Depreciation014001
IRS990ScheduleD/LeaseholdImprovements/OtherCostOrOtherBasis022492
IRS990ScheduleD/NetUnrealizedGainsInvestments0-38072
IRS990ScheduleD/NetUnrealizedGLOnInvestments0-38072
IRS990ScheduleD/OtherAmount0124700
IRS990ScheduleD/OtherExpensesIncluded0300
IRS990ScheduleD/OtherLiabilities/Amount043260
IRS990ScheduleD/OtherLiabilities/Description0ACCRUED INTEREST PAYABLE
IRS990ScheduleD/OtherRevenues0125000
IRS990ScheduleD/RevenueNotRptdF990086928
IRS990ScheduleD/RevenueNotRptdOnFinStmt00
IRS990ScheduleD/RevenueSubtotal01079020
IRS990ScheduleD/TotalAdjustments086628

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Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$15,293,645
Liabilities
$3,636,922
Net assets
$11,656,723
Revenue
-
Expenses
$989,852
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$44.4$27.4$17.0$8.80$10.0$1.22
2024Detailed filing. Detailed filing data is available for this year.$40.4$22.1$18.3$6.39$5.25$1.15
2023Detailed filing. Detailed filing data is available for this year.$37.3$20.1$17.2$4.87$3.98$0.89
2022Detailed filing. Detailed filing data is available for this year.$32.5$16.3$16.3$4.98$2.59$2.39
2021Detailed filing. Detailed filing data is available for this year.$27.6$13.7$13.9$4.19$3.50$0.69
2020Detailed filing. Detailed filing data is available for this year.$24.2$11.0$13.2$2.35$2.18$0.17
2019Detailed filing. Detailed filing data is available for this year.$20.4$7.41$13.0$1.55$1.63$0.07
2018Detailed filing. Detailed filing data is available for this year.$18.9$5.79$13.1$1.39$1.32$0.06
2017Detailed filing. Detailed filing data is available for this year.$17.9$4.85$13.0$1.20$1.45$0.24
2016Detailed filing. Detailed filing data is available for this year.$17.8$4.49$13.3$0.89$1.27$0.38
2015Detailed filing. Detailed filing data is available for this year.$18.3$4.67$13.7$1.07$0.68$0.38
2014Detailed filing. Detailed filing data is available for this year.$18.4$5.06$13.3$2.18$0.85$1.33
2013Summary only. Only limited summary data is available for this year.$17.4$5.40$12.0$1.49$1.05$0.44
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.3$3.64$11.7$0.99
2011Summary only. Only limited summary data is available for this year.$24.5$13.0$11.5$1.51$1.20$0.31