Liabilities / Assets
52nd percentile
Higher debt load relative to assets than 52% of similar nonprofits.
990 • Fiscal year 2015 • EIN 52-1632468
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
52nd percentile
Higher debt load relative to assets than 52% of similar nonprofits.
Liabilities / Revenue
93rd percentile
Higher debt load relative to revenue than 93% of similar nonprofits.
Net Margin
87th percentile
Higher net margin than 87% of similar nonprofits.
Top Officer Pay
63rd percentile
Higher top officer pay than 63% of similar nonprofits.
Top officer pay equals 19.9% of source-year revenue.
Asset Growth
43rd percentile
Faster asset growth than 43% of similar nonprofits.
Revenue Growth
5th percentile
Faster revenue growth than 5% of similar nonprofits.
Assets
Down$18,341,709
Down $27,746 (-0.2%) from 2014
Net Assets
Up$13,676,660
Up $369,657 (+2.8%) from 2014
Liabilities
Down$4,665,049
Down $397,403 (-7.9%) from 2014
Revenue
Down$1,065,447
Down $1,118,690 (-51%) from 2014
Expenses
Down$681,380
Down $170,620 (-20%) from 2014
Net Income
Down$384,067
Down $948,070 (-71%) from 2014
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.
Supporting the revitalization and strengthening of underserved baltimore neighborhoods through innovative and flexible financial assistance designed to promote community development.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $11,214,805 | $10,229,853 | ▼ $984,952 |
| Savings and Temporary Cash Investments | $18 | $4,591,639 | ▲ $4,591,621 |
| Cash and Non-Interest-Bearing Accounts | $6,097,534 | $2,267,833 | ▼ $3,829,701 |
| Investments in Publicly Traded Securities | $727,763 | $936,652 | ▲ $208,889 |
| Investments Other Securities | $219,610 | $219,610 | → $0 |
| Accounts Receivable | $59,799 | $59,467 | ▼ $332 |
| Prepaid Expenses and Deferred Charges | $16,475 | $21,349 | ▲ $4,874 |
| Land, Buildings, and Equipment, Net | $33,451 | $15,306 | ▼ $18,145 |
| Total Assets | $18,369,455 | $18,341,709 | ▼ $27,746 |
| Liabilities | |||
| Mortgage Notes Payable Secured by Investment Property | $4,443,297 | $4,324,038 | ▼ $119,259 |
| Accounts Payable and Accrued Expenses | $336,679 | $173,436 | ▼ $163,243 |
| Deferred Revenue | $176,096 | $105,354 | ▼ $70,742 |
| Escrow Account Liability | $69,719 | $31,743 | ▼ $37,976 |
| Other Liabilities | $36,661 | $30,478 | ▼ $6,183 |
| Total Liabilities | $5,062,452 | $4,665,049 | ▼ $397,403 |
| Net Assets / Fund Balance | |||
| Unrestricted Net Assets | $11,799,553 | $12,169,210 | ▲ $369,657 |
| Temporarily Rstr Net Assets | $1,507,450 | $1,507,450 | → $0 |
| Total Net Assets Fund Balance | $13,307,003 | $13,676,660 | ▲ $369,657 |
| Total Liabilities and Net Assets / Fund Balance | $18,369,455 | $18,341,709 | ▼ $27,746 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $13,658 | $194,805 | $208,463 |
| Leasehold Improvements | $1,648 | $20,844 | $22,492 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Ruth M Louie | President & CEO | FT | $177,816 | $33,735 | $211,551 |
| Sean Doherty | CFO (former) | FT | $87,221 | $16,117 | $103,338 |
| George Culbertson | Controller | FT | $4,150 | $180 | $4,330 |
| Name | Title |
|---|---|
| Paul T Graziano | Board Chairman |
| Ramona N Johnson | Board Vice Chairman |
| Linda Harrington | Board Asst Secretary |
| Dean S Harrison | Board Director |
| Eric Jones | Board Director |
| Michael Tagg | Board Director |
| Michael Walton | Board Director |
| Patrick G Tehan | Board Director |
| William Cassidy | Board Secretary |
| Teri Guarnaccia Esq | Board Treasurer |
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $680,996 |
| Other Expenses | $384 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Current Officers, Directors, Trustees, and Key Employees | $266,773 | $31,865 | - | $298,638 |
| Other Salaries and Wages | $228,864 | $55,979 | - | $284,843 |
| Interest | $120,240 | - | - | $120,240 |
| Occupancy | $42,881 | $10,720 | - | $53,601 |
| Fees for Services Accounting | $38,849 | $4,317 | - | $43,166 |
| Payroll Taxes | $34,451 | $6,106 | - | $40,557 |
| Other Employee Benefits | $33,555 | $5,947 | - | $39,502 |
| Fees for Services Legal | $23,748 | $11,215 | - | $34,963 |
| Fees for Services Other | $16,357 | $8,289 | - | $24,646 |
| Office Expenses | $16,207 | $4,678 | - | $20,885 |
| Depreciation Depletion | $13,609 | $4,536 | - | $18,145 |
| Pension Plan Contributions | $14,828 | $2,628 | - | $17,456 |
| Advertising | $15,685 | - | - | $15,685 |
| Insurance | $9,513 | $2,378 | - | $11,891 |
| Travel | $2,001 | $667 | - | $2,668 |
| Other Expenses | $-378,951 | $2,621 | - | $-378,951 |
| Total Functional Expenses | $525,822 | $155,558 | $0 | $681,380 |
| Line Item | Amount |
|---|---|
| Total Expenses per Audited Statements | $687,218 |
| Expenses per Audited Statements | $681,380 |
| Total Expenses per Form 990 | $681,380 |
| Expenses Not Reported on Form 990 | $5,838 |
| Expenses Not Reported on Financial Statements | $0 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Accrued Interest Payable | $30,478 |
“Prior to its filing, the form 990 was reviewed by management and the audit & finance committee. A copy of the final version was provided to each board member prior to filing.”
“Annually, officers and directors are required to complete an annual disclosure form as part of the annual conflict of interest policy submission. Where a conflict exists they must recuse themselves from discussions on such matters.”
“The board executive committee reviews and approves all officers' compensation. Community development financial institutions industry peer compensation is considered in making compensation decisions.”
“Governing documents, conflict of interest policy, and financial statements are made available upon request.”
“Credit balance represents recovery of bad debt reserved for in prior year.”
“The process regarding the preparation of the audited financial statements is unchanged from the prior year.”
“Escrow funds of $31,743 were collected by the organization on various mortgages and permanent loans to pay for insurance, real estate taxes, legal fees, and deposits.”
“Bcl 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.”
“Expenses of consolidated entity included in the financial statements 5,838.”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 336679 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 173436 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 59799 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 59467 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | SUPPORTING THE REVITALIZATION AND STRENGTHENING OF UNDERSERVED BALTIMORE NEIGHBORHOODS THROUGH INNOVATIVE AND FLEXIBLE FINANCIAL ASSISTANCE DESIGNED TO PROMOTE COMMUNITY DEVELOPMENT. |
| IRS990/AdvertisingGrp/ProgramServicesAmt | 0 | 15685 |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 15685 |
| IRS990/AllOtherContributionsAmt | 0 | 13043 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | GEORGE CULBERTSON |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 4107278590 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 120 EAST BALTIMORE STREET STE 1810 |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | BALTIMORE |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MD |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 21202 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 6097534 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 2267833 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt | 0 | 31865 |
| IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt | 0 | 266773 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 298638 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 1 |
| IRS990/CreditCounselingInd | 0 | 1 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 57818 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 136411 |
| IRS990/CYOtherExpensesAmt | 0 | 384 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 871218 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 384067 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 680996 |
| IRS990/CYTotalExpensesAmt | 0 | 681380 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 1065447 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 0 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DeferredRevenueGrp/BOYAmt | 0 | 176096 |
| IRS990/DeferredRevenueGrp/EOYAmt | 0 | 105354 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt | 0 | 4536 |
| IRS990/DepreciationDepletionGrp/ProgramServicesAmt | 0 | 13609 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 18145 |
| IRS990/Desc | 0 | COMMUNITY DEVELOPMENT LOAN PORTFOLIO MANAGEMENT:MAINTAIN, MANAGE, AND SERVICE APPROXIMATELY 50 COMMUNITY DEVELOPMENT LOAN ASSETS TOTALING APPROXIMATELY $11 MILLION AND REPRESENTING IN EXCESS OF 600 AFFORDABLE HOUSING UNITS. COUNSEL AND ADVISE EXISTING BORROWERS CONCERNING LOAN COMPLIANCE BEST PRACTICES, AND ASSIST STRUGGLING BORROWERS TO IDENTIFY AVAILABLE REMEDIES IN THE EVENT OF PAYMENT AND/OR PERFORMANCE CHALLENGES. |
| IRS990/DescribedInSection501c3Ind | 0 | 1 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 0 |
| IRS990/EmployeeCnt | 0 | 8 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/EngagedInExcessBenefitTransInd | 0 | 0 |
| IRS990/EscrowAccountLiabilityGrp/BOYAmt | 0 | 69719 |
| IRS990/EscrowAccountLiabilityGrp/EOYAmt | 0 | 31743 |
| IRS990/ExpenseAmt | 0 | 224226 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt | 0 | 4317 |
| IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt | 0 | 38849 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 43166 |
| IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt | 0 | 11215 |
| IRS990/FeesForServicesLegalGrp/ProgramServicesAmt | 0 | 23748 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 34963 |
| IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt | 0 | 8289 |
| IRS990/FeesForServicesOtherGrp/ProgramServicesAmt | 0 | 16357 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 24646 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 0.30 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 0.30 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 0.30 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 0.30 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 0.30 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 0.30 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 0.30 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 0.30 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 0.30 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 0.30 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 12 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 9 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 10 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 24235 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 180 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 12 | 16117 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | DEAN S HARRISON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | ERIC JONES |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | LINDA HARRINGTON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | MICHAEL TAGG |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | MICHAEL WALTON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | PATRICK G TEHAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | PAUL T GRAZIANO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | RAMONA N JOHNSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | RUTH M LOUIE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | TERI GUARNACCIA ESQ |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | WILLIAM CASSIDY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | GEORGE CULBERTSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 12 | SEAN DOHERTY |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 187316 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 4150 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 87221 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | BOARD DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | BOARD DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | BOARD ASST SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | BOARD DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | BOARD DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | BOARD DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | BOARD CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | BOARD VICE CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | PRESIDENT & CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | BOARD TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | BOARD SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | CONTROLLER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | CFO (FORMER) |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1989 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 11 |
| IRS990/GovernmentGrantsAmt | 0 | 44775 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 1065447 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 1 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 10 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIXInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InsuranceGrp/ManagementAndGeneralAmt | 0 | 2378 |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 9513 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 11891 |
| IRS990/InterestGrp/ProgramServicesAmt | 0 | 120240 |
| IRS990/InterestGrp/TotalAmt | 0 | 120240 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 136411 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 136411 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 219610 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 219610 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 727763 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 936652 |
| IRS990/IRPDocumentCnt | 0 | 24 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 215649 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 33451 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 15306 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 230955 |
| IRS990/LegalDomicileStateCd | 0 | MD |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LobbyingActivitiesInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 0 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | THE MISSION OF BALTIMORE COMMUNITY LENDING IS TO SUPPORT REVITALIZATION AND STRENGTHENING OF UNDERSERVED BALTIMORE NEIGHBORHOODS THROUGH INNOVATIVE AND FLEXIBLE FINANCIAL ASSISTANCE DESIGNED TO FOSTER COMMUNITY DEVELOPMENT. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt | 0 | 4443297 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 4324038 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 13307003 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 13676660 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -14410 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/ManagementAndGeneralAmt | 0 | 10720 |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 42881 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 53601 |
| IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt | 0 | 4678 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 16207 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 20885 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501c3Ind | 0 | X |
| IRS990/OrganizationFollowsSFAS117Ind | 0 | X |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt | 0 | 5947 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 33555 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 39502 |
| IRS990/OtherExpensesGrp/Desc | 0 | BANK FEES & ADMIN EXP |
| IRS990/OtherExpensesGrp/Desc | 1 | PARKING |
| IRS990/OtherExpensesGrp/Desc | 2 | UNCOLLECTIBLE A/C RECOV |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 3612 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 2621 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 16729 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 10483 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | -378951 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 20341 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 13104 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | -378951 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 36661 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 30478 |
| IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt | 0 | 55979 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 228864 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 284843 |
| IRS990/OtherWebsiteInd | 0 | X |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 11214805 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 10229853 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayPremiumsPrsnlBnftCntrctInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt | 0 | 6106 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 34451 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 40557 |
| IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt | 0 | 2628 |
| IRS990/PensionPlanContributionsGrp/ProgramServicesAmt | 0 | 14828 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 17456 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 16475 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 21349 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 900099 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 900099 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 900099 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | MORTGAGE INTEREST INCO |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | LOAN FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | PROPERTY INSURANCE PRO |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 726551 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 85678 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 58989 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 726551 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 85678 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 58989 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | COMMUNITY DEVELOPMENT LENDING:PROVIDED IN EXCESS OF $2.9 MILLION IN LOAN FUND COMMITMENTS UNDER BCL'SCOMMERCIAL/MULTI-FAMILY PROGRAM FOR DEVELOPMENT IN LMI COMMUNITIES. |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 257218 |
| IRS990/ProgSrvcAccomActy2Grp/RevenueAmt | 0 | 247714 |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | COMMUNITY IMPACT PROGRAM DEVELOPMENT:ASSISTED PROSPECTIVE DEVELOPERS, FOR PROFIT AND NONPROFIT, THROUGH ONE ON ONE AND GROUP TECHNICAL ASSISTANCE ON THE DEVELOPMENT PROCESS, EVALUATING REHABILITATION PROJECT FEASIBILITY, FINANCING REHABILITATION PROJECTS AND CONSTRUCTION MANAGEMENT. CONDUCTED A SERIES OF FREE DEVELOPMENT WORKSHOPS ON THESE TOPICS THROUGHOUT THE YEAR. |
| IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt | 0 | 44378 |
| IRS990/ProgSrvcAccomActy3Grp/RevenueAmt | 0 | 0 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 1157450 |
| IRS990/PYExcessBenefitTransInd | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 166067 |
| IRS990/PYOtherExpensesAmt | 0 | 115364 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 860620 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 1332137 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 736636 |
| IRS990/PYTotalExpensesAmt | 0 | 852000 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 2184137 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/RcvFndsToPayPrsnlBnftCntrctInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 384067 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 1 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 1 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RevenueAmt | 0 | 623504 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 18 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 4591639 |
| IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt | 0 | 57818 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt | 0 | 1157450 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 566448 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 34394 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 42842 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt | 0 | 1858952 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt | 0 | 136411 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt | 0 | 166067 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 161725 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 199632 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 307074 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt | 0 | 970909 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt | 0 | 871218 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt | 0 | 860620 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt | 0 | 763310 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt | 0 | 844994 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt | 0 | 1155879 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt | 0 | 4496021 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt | 0 | 136411 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt | 0 | 166067 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt | 0 | 161725 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt | 0 | 199632 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt | 0 | 307074 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt | 0 | 970909 |
| IRS990ScheduleA/InvestmentIncomeCYPct | 0 | 0.13250 |
| IRS990ScheduleA/InvestmentIncomePYPct | 0 | 0.14220 |
| IRS990ScheduleA/PubliclySupportedOrg509a2Ind | 0 | X |
| IRS990ScheduleA/PublicSupportCY509Pct | 0 | 0.86750 |
| IRS990ScheduleA/PublicSupportPY509Pct | 0 | 0.85780 |
| IRS990ScheduleA/PublicSupportTotal509Amt | 0 | 6354973 |
| IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind | 0 | X |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt | 0 | 929036 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt | 0 | 2018070 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 1329758 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 879388 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 1198721 |
| IRS990ScheduleA/Total509Grp/TotalAmt | 0 | 6354973 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt | 0 | 1065447 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt | 0 | 2184137 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt | 0 | 1491483 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt | 0 | 1079020 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt | 0 | 1505795 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt | 0 | 7325882 |
| IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine1 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorNum | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine1 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine2 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt | 0 | RESTRICTED |
| IRS990/ScheduleBRequiredInd | 0 | 1 |
| IRS990ScheduleD/AgentTrusteeEtcInd | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 13658 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 194805 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 208463 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 5838 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 681380 |
| IRS990ScheduleD/ExplanationProvidedInd | 0 | X |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/InclEscrowCustodialAcctLiabInd | 0 | 1 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 1648 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 20844 |
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Displayed year
2015 • Form 990Detailed filing. Detailed filing data is available for this year.