Civic Intelligence

Baltimore Community Lending Inc.

990 • Fiscal year 2011 • EIN 52-1632468

Jul 01, 2010 to Jun 30, 2011 • Filed on Mar 13, 2012

Organization ProfileWWW.BCLENDING.ORG

View Organization Page

120 East Baltimore Street No 181021202
Siviq Scores

Scores are not available for this record yet.

Balance Sheet

Assets

Flat

$24,464,123

Flat from 2011

Net Assets

Flat

$11,480,927

Flat from 2011

Liabilities

Flat

$12,983,196

Flat from 2011

Revenue And Expenses

Revenue

-

No earlier filing loaded for comparison.

Expenses

Flat

$1,199,959

Flat from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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 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

2011

Assets$24,464,123
Liabilities$12,983,196
Net Assets$11,480,927
Open 2011 Filing

Operations Trend

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

$15M$10M$5.0M$0-$5.0MExpenses 2011: $1,199,9592011Revenue 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

2011

Revenue-
Expenses$1,199,959
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2010 to Jun 30, 2011
Signed
Mar 13, 2012
Return Version
2010v3.4
Gross Receipts
$1,508,764
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 $350,000 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 in support of the relocation of approximately 20 residents in an identified community development area supported by approximately $2 million in grant funds and 3)financial and administrative services associated with the identification of approved homeowners for the acquisition of 12 homes in a major redevelopment area, supported by aproximately $2 million in grant funds.
Filing and Contact Details

Filer

EIN
52-1632468
Raw XML AppendixShowing 400 of 595 raw XML fields

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IRS990/Activity2/Description0COMMUNITY DEVELOPMENT LENDING:PROVIDED $350,000 IN LOAN FUND COMMITMENTS UNDER BCL'S COMMERCIAL/MULTI-FAMILY PROGRAM FOR DEVELOPMENT IN LMI COMMUNITIES.
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IRS990ScheduleA/PriorYrInvestIncomePercentage00.28630
IRS990ScheduleA/PubliclySupportedOrg509a20X
IRS990ScheduleA/PublicSupportPercentage50900.73780
IRS990ScheduleA/PublicSupportTotal50909800185
IRS990ScheduleA/SupportFromDQPsEtc/Total00
IRS990ScheduleA/ThirtyThreePercntTestsCY5090X
IRS990ScheduleA/Total509/CurrentTaxYear01198721
IRS990ScheduleA/Total509/CurrentTaxYearMinus1Year01645428
IRS990ScheduleA/Total509/CurrentTaxYearMinus2Years01678265
IRS990ScheduleA/Total509/CurrentTaxYearMinus3Years02429559
IRS990ScheduleA/Total509/CurrentTaxYearMinus4Years02848212
IRS990ScheduleA/Total509/Total09800185
IRS990ScheduleA/TotalSupportTotal/CurrentTaxYear01505795
IRS990ScheduleA/TotalSupportTotal/CurrentTaxYearMinus1Year01983526
IRS990ScheduleA/TotalSupportTotal/CurrentTaxYearMinus2Years02229822
IRS990ScheduleA/TotalSupportTotal/CurrentTaxYearMinus3Years03525035
IRS990ScheduleA/TotalSupportTotal/CurrentTaxYearMinus4Years04039032
IRS990ScheduleA/TotalSupportTotal/Total013283210
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/BookValue070402
IRS990ScheduleD/Equipment/Depreciation0129663
IRS990ScheduleD/Equipment/OtherCostOrOtherBasis0200065
IRS990ScheduleD/ExcessOrDeficitForYear0308805
IRS990ScheduleD/ExcessOrDeficitPerFS0290055
IRS990ScheduleD/ExpensesNotRptdF990011
IRS990ScheduleD/ExpensesNotRptdOnFinStmt00
IRS990ScheduleD/ExpensesSubtotal01199959
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, 2011 OF $2,809,057 REPRESENTS THE MONEY YET TO BE USED TOWARD THE PROGRAM (IT HAS ALREADY BEEN ALLOCATED TO SPECIFIC PROJECTS). THE REMAINING ESCROW FUNDS OF $126,141 WERE COLLECTED BY THE ORGANIZATION ON VARIOUS 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 8,028.
IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation3REVENUE OF CONSOLIDATED ENTITY INCLUDED IN THE FINANCIAL STATEMENTS 8,039.
IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation4EXPENSES OF CONSOLIDATED ENTITY INCLUDED IN THE FINANCIAL STATEMENTS 11.
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/BookValue010772
IRS990ScheduleD/LeaseholdImprovements/Depreciation011720
IRS990ScheduleD/LeaseholdImprovements/OtherCostOrOtherBasis022492
IRS990ScheduleD/NetUnrealizedGainsInvestments0-26778
IRS990ScheduleD/NetUnrealizedGLOnInvestments0-26778

Document Assets

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Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$24,464,123
Liabilities
$12,983,196
Net assets
$11,480,927
Revenue
-
Expenses
$1,199,959
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
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$24.5$13.0$11.5$1.20
2011Summary only. Only limited summary data is available for this year.$24.5$13.0$11.5$1.51$1.20$0.31