Civic Intelligence

Baltimore Community Lending Inc.

990 • Fiscal year 2013 • EIN 52-1632468

Jul 01, 2012 to Jun 30, 2013 • Filed on Nov 14, 2013

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

$17,446,837

Flat from 2013

Net Assets

Flat

$12,042,193

Flat from 2013

Liabilities

Flat

$5,404,644

Flat from 2013

Revenue And Expenses

Revenue

-

No earlier filing loaded for comparison.

Expenses

Flat

$1,047,148

Flat from 2013

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 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 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

2013

Assets$17,446,837
Liabilities$5,404,644
Net Assets$12,042,193
Open 2013 Filing

Operations Trend

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: $989,8522012Expenses 2013: $1,047,1482013Revenue 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

2013

Revenue-
Expenses$1,047,148
Net Income-
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2012 to Jun 30, 2013
Signed
Nov 14, 2013
Return Version
2012v2.1
Gross Receipts
$1,491,483
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 $1.5 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 fulfill contractual services related to the prior implementation of several programs on behalf of a large, local community enterprise. Program includes providing 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.
Filing and Contact Details

Filer

EIN
52-1632468
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IRS990ScheduleB/ContributorInfo/ContributorAddressUS/State0RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorAddressUS/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorNameBusiness/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorNumber0RESTRICTED
IRS990/ScheduleBRequired01
IRS990ScheduleD/AgentTrusteeEtc00
IRS990ScheduleD/Equipment/BookValue045833
IRS990ScheduleD/Equipment/Depreciation0161452
IRS990ScheduleD/Equipment/OtherCostOrOtherBasis0207285
IRS990ScheduleD/ExpensesNotRptdF9900300
IRS990ScheduleD/ExpensesNotRptdOnFinStmt00
IRS990ScheduleD/ExpensesSubtotal01047148
IRS990ScheduleD/ExplanationInPartXIII0X
IRS990ScheduleD/FootnoteInPartXIII0X
IRS990ScheduleD/Form990ScheduleDPartXIII/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, 2013 OF $56,821 REPRESENTS THE MONEY YET TO BE USED TOWARD THE PROGRAM (IT HAS ALREADY BEEN ALLOCATED TO SPECIFIC PROJECTS). THE REMAINING ESCROW FUNDS OF $170,224 WERE COLLECTED BY THE ORGANIZATION ON VARIOUS MORTGAGES AND PERMANENT LOANS TO PAY FOR INSURANCE, REAL ESTATE TAXES, LEGAL FEES, AND DEPOSITS.
IRS990ScheduleD/Form990ScheduleDPartXIII/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/Form990ScheduleDPartXIII/Explanation2EXPENSES OF CONSOLIDATED ENTITY INCLUDED IN THE FINANCIAL STATEMENTS 300.
IRS990ScheduleD/Form990ScheduleDPartXIII/Identifier0DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48:
IRS990ScheduleD/Form990ScheduleDPartXIII/Identifier1PART XII, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/Form990ScheduleDPartXIII/ReturnReference0PART IV, LINE 2B:
IRS990ScheduleD/Form990ScheduleDPartXIII/ReturnReference1PART X, LINE 2:
IRS990ScheduleD/IncludedOnFS01
IRS990ScheduleD/LeaseholdImprovements/BookValue06210
IRS990ScheduleD/LeaseholdImprovements/Depreciation016282
IRS990ScheduleD/LeaseholdImprovements/OtherCostOrOtherBasis022492
IRS990ScheduleD/NetUnrealizedGainsInvestments0-58565
IRS990ScheduleD/OtherExpensesIncluded0300
IRS990ScheduleD/OtherLiabilities/Amount037705
IRS990ScheduleD/OtherLiabilities/Description0ACCRUED INTEREST PAYABLE
IRS990ScheduleD/RevenueNotRptdF9900-58565
IRS990ScheduleD/RevenueNotRptdOnFinStmt00
IRS990ScheduleD/RevenueSubtotal01491483
IRS990ScheduleD/TotalExpensesPerForm99001047148
IRS990ScheduleD/TotalOfAmounts037705
IRS990ScheduleD/TotalOfBookValueLandBuildings052043
IRS990ScheduleD/TotalRevenuePerForm99001491483

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Filings

Displayed year

2013 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$17,446,837
Liabilities
$5,404,644
Net assets
$12,042,193
Revenue
-
Expenses
$1,047,148
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
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.4$5.40$12.0$1.05
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