Civic Intelligence

Baltimore Community Lending Inc.

990 • Fiscal year 2016 • EIN 52-1632468

Jul 01, 2015 to Jun 30, 2016 • Filed on Nov 09, 2016

Organization ProfileWWW.BCLENDING.ORG

View Organization Page

120 East Baltimore Street No 1810Baltimore, MD 21202

(410) 727-8590

Siviq Scores

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

Liabilities / Assets

52nd percentile

0.25x

Higher debt load relative to assets than 52% of similar nonprofits.

2016 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2016

Liabilities / Revenue

94th percentile

5.04x

Higher debt load relative to revenue than 94% of similar nonprofits.

2016 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2016

Net Margin

7th percentile

-43%

Higher net margin than 7% of similar nonprofits.

2016 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2016

Top Officer Pay

45th percentile

$159,728

Higher top officer pay than 45% of similar nonprofits.

Top officer pay equals 18.0% of source-year revenue.

2016 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2016

Asset Growth

25th percentile

-3.0%

Faster asset growth than 25% of similar nonprofits.

2016 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Revenue Growth

17th percentile

-17%

Faster revenue growth than 17% of similar nonprofits.

2016 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets52nd percentile

Assets

Down

$17,788,269

Down $553,440 (-3.0%) from 2015

Net Assets

Down

$13,300,996

Down $375,664 (-2.7%) from 2015

Liabilities

Down

$4,487,273

Down $177,776 (-3.8%) from 2015

Revenue And Expenses
Liabilities / Revenue94th percentileNet Margin7th percentile

Revenue

Down

$889,493

Down $175,954 (-17%) from 2015

Expenses

Up

$1,267,699

Up $586,319 (+86%) from 2015

Net Income

Down

-$378,206

Down $762,273 (-198%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth25th 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

2016

Assets$17,788,269
Liabilities$4,487,273
Net Assets$13,300,996
Open 2016 Filing

Operations Trend

Revenue Growth17th percentile

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

2016

Revenue$889,493
Expenses$1,267,699
Net Income-$378,206
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2015 to Jun 30, 2016
Signed
Nov 9, 2016
Return Version
2015v2.1
Gross Receipts
$889,493
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.

Supporting the revitalization and strengthening of underserved baltimore neighborhoods through innovative and flexible financial assistance designed to promote community development.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$10,229,853$8,341,384▼ $1,888,469
Savings and Temporary Cash Investments$4,591,639$4,734,664▲ $143,025
Cash and Non-Interest-Bearing Accounts$2,267,833$3,577,425▲ $1,309,592
Investments in Publicly Traded Securities$936,652$849,013▼ $87,639
Investments Other Securities$219,610$213,772▼ $5,838
Accounts Receivable$59,467$34,694▼ $24,773
Prepaid Expenses and Deferred Charges$21,349$30,102▲ $8,753
Land, Buildings, and Equipment, Net$15,306$7,215▼ $8,091
Total Assets$18,341,709$17,788,269▼ $553,440
Liabilities
Mortgage Notes Payable Secured by Investment Property$4,324,038$4,206,202▼ $117,836
Accounts Payable and Accrued Expenses$173,436$179,902▲ $6,466
Deferred Revenue$105,354$38,478▼ $66,876
Escrow Account Liability$31,743$33,887▲ $2,144
Other Liabilities$30,478$28,804▼ $1,674
Total Liabilities$4,665,049$4,487,273▼ $177,776
Net Assets / Fund Balance
Unrestricted Net Assets$12,169,210$11,793,546▼ $375,664
Temporarily Rstr Net Assets$1,507,450$1,507,450→ $0
Total Net Assets Fund Balance$13,676,660$13,300,996▼ $375,664
Total Liabilities and Net Assets / Fund Balance$18,341,709$17,788,269▼ $553,440

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$7,215$208,814$216,029
Leasehold Improvements$0$22,492$22,492
Compensation and Service Providers
Top Officer Pay45th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ruth M LouiePresident & CEO Through 08/05/15FT$142,448$17,280$159,728
George CulbertsonControllerFT$84,499$8,533$93,032

Board Members and Trustees

NameTitle
Teri Guarnaccia EsqBoard Chairman
William ArianoPresident & CEO as of 02/01/16
Michael TaggBoard Vice Chairman
Ramona N JohnsonBoard Vice Chairman
Linda HarringtonBoard Asst Secretary
Dean S HarrisonBoard Director
Eric JonesBoard Director
Gerard JoabBoard Director
Michael WaltonBoard Director
Patrick G TehanBoard Director
Paul T GrazianoBoard Director
William CassidyBoard Secretary
Revenue and Support

Revenue Composition

Contributions and Grants
$45,375
Program Service Revenue
$705,387
Investment Income
$138,731
Other Revenue
$0
All Other Contributions
$600
Change in Net Assets
$-378,206

Audited Revenue Reconciliation

Revenue per Audited Statements
$889,493
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$26,944
Total Revenue per Audited Statements
$916,437
Total Revenue per Form 990
$889,493
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$736,735
Other Expenses$530,964
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$316,994$76,442-$393,436
Current Officers, Directors, Trustees, and Key Employees$204,245$23,923-$228,168
Interest$117,754--$117,754
Fees for Services Management$62,488$33,648-$96,136
Fees for Services Legal$67,790$14,668-$82,458
Occupancy$45,342$11,335-$56,677
Payroll Taxes$40,968$7,889-$48,857
Other Employee Benefits$28,570$5,501-$34,071
Pension Plan Contributions$27,003$5,200-$32,203
Fees for Services Other$19,792$10,164-$29,956
Fees for Services Accounting$26,297$2,922-$29,219
Insurance$22,080$5,520-$27,600
Office Expenses$16,600$4,960-$21,560
Depreciation Depletion$11,743$3,914-$15,657
Other Expenses$9,136$3,045-$12,181
Advertising$11,115--$11,115
Travel$3,347$1,116-$4,463
All Other Expenses$-20,714--$-20,714
Total Functional Expenses$1,049,801$217,898$0$1,267,699

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$1,268,363
Expenses per Audited Statements$1,267,699
Total Expenses per Form 990$1,267,699
Expenses Not Reported on Form 990$664
Expenses Not Reported on Financial Statements$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Eric JonesEntity Owned by Eric Jones, Bcl Board DirectorGuidance Line of Credit to Finance Acquisition and Construction of Real PropertyNo$77,869
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Accrued Interest Payable$28,804
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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
Yes
Key decisions subject to board approval
No
Management duties delegated
Yes

Governance Explanations

Form 990, Part VI, Section A, Line 3

“Hertzbach & company, pa, a public accounting and consulting firm, was engaged to provide the services of interim ceo from mid august 2015 through january 2016 while the organization searched for a new full-time ceo.”

Form 990, Part VI, Section B, Line 11

“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.”

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

“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.”

Form 990, Part VI, Section B, Line 15

“The board executive committee reviews and approves all officers' compensation. Community development financial institutions industry peer compensation is considered in making compensation decisions.”

Form 990, Part VI, Section C, Line 19

“Governing documents, conflict of interest policy, and financial statements are made available upon request.”

Filing and Contact Details

Filer

Filer Name
Baltimore Community Lending Inc
EIN
52-1632468
Phone
4107278590
Address
120 EAST BALTIMORE STREET NO 1810, BALTIMORE, MD 21202

Signing Officer

Name
Wiiliam Ariano
Title
President & CEO
Phone
4107278590
Signed
2016-11-09
Discuss with paid preparer
Yes

Organization Details

Formed
1989
Legal Domicile
Md
Voting Board Members
12
Independent Board Members
9
Employees
8
Volunteers
14

Preparer

Firm
Ellin & Tucker Chartered
Address
400 EAST PRATT ST SUITE 200, BALTIMORE, MD 21202
Preparer
Kimberly a Goldsborough-wilhelm
Phone
4107275735
Supplemental Narrative

Additional Explanations

FORM 990, PART IX, LINE 24D:

“Credit balance represents recovery of bad debt reserved for in prior year.”

FORM 990, PART XII, LINE 2C:

“The process regarding the preparation of the audited financial statements is unchanged from the prior year.”

Financial Statement Notes

PART IV, LINE 2B:

“Escrow funds of $33,887 were collected by the organization on various mortgages and permanent loans to pay for insurance, real estate taxes, legal fees, and deposits.”

PART X, LINE 2:

“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.”

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“Income of consolidated entity included in the financial statements 18,564.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Expenses of consolidated entity included in the financial statements 664.”

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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD ASST SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt8PRESIDENT & CEO THROUGH 08/05/15
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt10BOARD SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt11BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12PRESIDENT & CEO AS OF 02/01/16
IRS990/Form990PartVIISectionAGrp/TitleTxt13CONTROLLER
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IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
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IRS990/GoverningBodyVotingMembersCnt012
IRS990/GovernmentGrantsAmt044775
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0889493
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
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IRS990/InsuranceGrp/ManagementAndGeneralAmt05520
IRS990/InsuranceGrp/ProgramServicesAmt022080
IRS990/InsuranceGrp/TotalAmt027600
IRS990/InterestGrp/ProgramServicesAmt0117754
IRS990/InterestGrp/TotalAmt0117754
IRS990/InvestmentIncomeGrp/ExclusionAmt0138731
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0138731
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0219610
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0213772
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0936652
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0849013
IRS990/IRPDocumentCnt07
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0231306
IRS990/LandBldgEquipBasisNetGrp/BOYAmt015306
IRS990/LandBldgEquipBasisNetGrp/EOYAmt07215
IRS990/LandBldgEquipCostOrOtherBssAmt0238521
IRS990/LegalDomicileStateCd0MD
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IRS990/LobbyingActivitiesInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0THE 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/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt04324038
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt04206202
IRS990/NetAssetsOrFundBalancesBOYAmt013676660
IRS990/NetAssetsOrFundBalancesEOYAmt013300996
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt08380
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ManagementAndGeneralAmt011335
IRS990/OccupancyGrp/ProgramServicesAmt045342
IRS990/OccupancyGrp/TotalAmt056677
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt04960
IRS990/OfficeExpensesGrp/ProgramServicesAmt016600
IRS990/OfficeExpensesGrp/TotalAmt021560
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt05501
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt028570
IRS990/OtherEmployeeBenefitsGrp/TotalAmt034071
IRS990/OtherExpensesGrp/Desc0BANK FEES & ADMIN EXP
IRS990/OtherExpensesGrp/Desc1PARKING
IRS990/OtherExpensesGrp/Desc2TEMPORARY HELP
IRS990/OtherExpensesGrp/Desc3MISCELLANEOUS EXPENSE
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt03154
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt13144
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt21353
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt33045
IRS990/OtherExpensesGrp/ProgramServicesAmt014500
IRS990/OtherExpensesGrp/ProgramServicesAmt112578
IRS990/OtherExpensesGrp/ProgramServicesAmt212173
IRS990/OtherExpensesGrp/ProgramServicesAmt39136
IRS990/OtherExpensesGrp/TotalAmt017654
IRS990/OtherExpensesGrp/TotalAmt115722
IRS990/OtherExpensesGrp/TotalAmt213526
IRS990/OtherExpensesGrp/TotalAmt312181
IRS990/OtherLiabilitiesGrp/BOYAmt030478
IRS990/OtherLiabilitiesGrp/EOYAmt028804
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt076442
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0316994
IRS990/OtherSalariesAndWagesGrp/TotalAmt0393436
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt010229853
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt08341384
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt07889
IRS990/PayrollTaxesGrp/ProgramServicesAmt040968
IRS990/PayrollTaxesGrp/TotalAmt048857
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt05200
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt027003
IRS990/PensionPlanContributionsGrp/TotalAmt032203
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt021349
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt030102
IRS990/PriorPeriodAdjustmentsAmt0-5838
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/BusinessCd2900099
IRS990/ProgramServiceRevenueGrp/Desc0MORTGAGE INTEREST INCO
IRS990/ProgramServiceRevenueGrp/Desc1LOAN FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2PROPERTY INSURANCE PRO
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0553248
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1130357
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt221782
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0553248
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1130357
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt221782
IRS990/ProgSrvcAccomActy2Grp/Desc0COMMUNITY DEVELOPMENT LENDING:PROVIDED IN EXCESS OF $6 MILLION IN LOAN FUND COMMITMENTS UNDER BCL'SCOMMERCIAL/MULTI-FAMILY PROGRAM FOR DEVELOPMENT IN LMI COMMUNITIES.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0278538
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt0250643
IRS990/ProgSrvcAccomActy3Grp/Desc0COMMUNITY 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/ExpenseAmt047712
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt057818
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0136411
IRS990/PYOtherExpensesAmt0384
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0871218
IRS990/PYRevenuesLessExpensesAmt0384067
IRS990/PYSalariesCompEmpBnftPaidAmt0680996
IRS990/PYTotalExpensesAmt0681380
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01065447
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0-378206
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd01
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0454744
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04591639
IRS990/SavingsAndTempCashInvstGrp/EOYAmt04734664
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt045375
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt057818
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt01157450
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0566448
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt034394
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt01861485
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt0138731
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt0136411
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt0166067
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt0161725
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt0199632
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt0802566
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt0705387
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt0871218
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt0860620
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt0763310
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt0844994
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt04045529
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt0138731
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt0136411
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt0166067
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt0161725
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt0199632
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt0802566
IRS990ScheduleA/InvestmentIncomeCYPct00.11960
IRS990ScheduleA/InvestmentIncomePYPct00.13250
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.88040
IRS990ScheduleA/PublicSupportPY509Pct00.86750
IRS990ScheduleA/PublicSupportTotal509Amt05907014
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt00
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt0750762
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt0929036
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt02018070
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt01329758
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0879388
IRS990ScheduleA/Total509Grp/TotalAmt05907014
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt0889493
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt01065447
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt02184137
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt01491483
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt01079020
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt06709580
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
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Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$17,788,269
Liabilities
$4,487,273
Net assets
$13,300,996
Revenue
$889,493
Expenses
$1,267,699
Net income
-$378,206
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