Liabilities / Assets
56th percentile
Higher debt load relative to assets than 56% of similar nonprofits.
990 • Fiscal year 2017 • EIN 52-1632468
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
56th percentile
Higher debt load relative to assets than 56% of similar nonprofits.
Liabilities / Revenue
93rd percentile
Higher debt load relative to revenue than 93% of similar nonprofits.
Net Margin
10th percentile
Higher net margin than 10% of similar nonprofits.
Top Officer Pay
45th percentile
Higher top officer pay than 45% of similar nonprofits.
Top officer pay equals 13.3% of source-year revenue.
Asset Growth
34th percentile
Faster asset growth than 34% of similar nonprofits.
Revenue Growth
84th percentile
Faster revenue growth than 84% of similar nonprofits.
Assets
Up$17,889,925
Up $101,656 (+0.6%) from 2016
Net Assets
Down$13,043,941
Down $257,055 (-1.9%) from 2016
Liabilities
Up$4,845,984
Up $358,711 (+8.0%) from 2016
Revenue
Up$1,204,735
Up $315,242 (+35%) from 2016
Expenses
Up$1,448,242
Up $180,543 (+14%) from 2016
Net Income
Up-$243,507
Up $134,699 (+36%) from 2016
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.
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.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $8,341,384 | $9,306,268 | ▲ $964,884 |
| Savings and Temporary Cash Investments | $4,734,664 | $4,600,224 | ▼ $134,440 |
| Cash and Non-Interest-Bearing Accounts | $3,577,425 | $2,592,986 | ▼ $984,439 |
| Investments in Publicly Traded Securities | $849,013 | $1,018,178 | ▲ $169,165 |
| Investments Other Securities | $213,772 | $227,409 | ▲ $13,637 |
| Land, Buildings, and Equipment, Net | $7,215 | $64,925 | ▲ $57,710 |
| Accounts Receivable | $34,694 | $60,581 | ▲ $25,887 |
| Prepaid Expenses and Deferred Charges | $30,102 | $19,354 | ▼ $10,748 |
| Total Assets | $17,788,269 | $17,889,925 | ▲ $101,656 |
| Liabilities | |||
| Mortgage Notes Payable Secured by Investment Property | $4,206,202 | $4,589,316 | ▲ $383,114 |
| Accounts Payable and Accrued Expenses | $179,902 | $103,188 | ▼ $76,714 |
| Other Liabilities | $28,804 | $90,394 | ▲ $61,590 |
| Escrow Account Liability | $33,887 | $35,471 | ▲ $1,584 |
| Deferred Revenue | $38,478 | $27,615 | ▼ $10,863 |
| Total Liabilities | $4,487,273 | $4,845,984 | ▲ $358,711 |
| Net Assets / Fund Balance | |||
| Unrestricted Net Assets | $11,793,546 | $12,728,941 | ▲ $935,395 |
| Temporarily Rstr Net Assets | $1,507,450 | $315,000 | ▼ $1,192,450 |
| Total Net Assets Fund Balance | $13,300,996 | $13,043,941 | ▼ $257,055 |
| Total Liabilities and Net Assets / Fund Balance | $17,788,269 | $17,889,925 | ▲ $101,656 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $28,040 | $238,472 | $266,512 |
| Leasehold Improvements | $36,885 | - | $36,885 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| William F Ariano Jr | Preisident and CEO | FT | $138,904 | $21,283 | $160,187 |
| Frank Oakley | Chief Lending Officer | FT | $124,800 | - | $124,800 |
| Sean Russell | Vice President | FT | $87,985 | $23,505 | $111,490 |
| Name | Title |
|---|---|
| Teri Guarnaccia | Board Chair |
| Michael Tagg | Vice Chair |
| Christopher Rockey | Board Member |
| Dean S Harrison | Board Member |
| Eric Jones | Board Member |
| Gerard Joab | Board Member |
| Jeffrey C Wilke | Board Member |
| Nichole Doyle Battle | Board Member |
| Paul T Graziano | Board Member |
| Linda Harrington | Assistant Secretary |
| Antony Gross | Secretary |
| Carlos M Plazas | Treasurer |
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $758,934 |
| Other Expenses | $689,308 |
| Total Fundraising Expense | $64,129 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Current Officers, Directors, Trustees, and Key Employees | $291,703 | $71,272 | $33,502 | $396,477 |
| Other Salaries and Wages | $170,746 | $41,719 | $19,610 | $232,075 |
| Interest | $122,620 | - | - | $122,620 |
| Other Employee Benefits | $58,735 | $14,351 | $6,746 | $79,832 |
| Occupancy | $47,788 | $17,164 | - | $64,952 |
| Payroll Taxes | $37,192 | $9,087 | $4,271 | $50,550 |
| Fees for Services Accounting | $26,258 | $9,432 | - | $35,690 |
| Insurance | $16,162 | $5,805 | - | $21,967 |
| Fees for Services Other | $13,986 | $5,023 | - | $19,009 |
| Fees for Services Legal | $12,714 | $4,566 | - | $17,280 |
| Travel | $11,684 | $4,197 | - | $15,881 |
| All Other Expenses | $7,332 | $2,633 | - | $9,965 |
| Depreciation Depletion | $5,272 | $1,894 | - | $7,166 |
| Other Expenses | $4,528 | $1,626 | - | $6,154 |
| Office Expenses | $4,511 | $1,620 | - | $6,131 |
| Advertising | $3,600 | $1,293 | - | $4,893 |
| Total Functional Expenses | $1,186,360 | $197,753 | $64,129 | $1,448,242 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $1,448,242 |
| Total Expenses per Audited Statements | $1,448,242 |
| Total Expenses per Form 990 | $1,448,242 |
| Expenses Not Reported on Financial Statements | $0 |
| Expenses Not Reported on Form 990 | $0 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Due to CREO | $63,092 |
| Accrued interest payable | $27,302 |
“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.”
“Governing documents, conflict of interest policy, and financial statements are made available upon request.”
“The board executive committee reviews and approves all officers' compensation. Community Development Financial institutions industry peer compensation is considered in making compensation decisions.”
“Available upon request”
“Available upon request”
“The process regarding the preparation of the audited financial statements is unchanged from prior year.”
“Baltimore Community Lending, Inc. and CREO Inc. are exempt from the payment of income taxes on income other than net unrelated business income under Section 501(c) (3) of the Internal Revenue Code. The provisions included in accounting principles generally accepted in the United States of America provide consistent guidance for the accounting for uncertainty in income taxes recognized in an entity's financial statements and prescribe a threshold of "more likely than not" for recognition of tax positions taken or expected to be taken in a tax return. BCL performed an evaluation of uncertain tax positions as of June 30, 2017, and determined that there were no matters that would require recognition in the consolidated financial statements or that may have any effect on its tax-exempt status. As of June 30, 2017, the statute of limitations for fiscal years 2015 through 2017 remain open with the U.S. Federal jurisdiction or the state and local jurisdiction in which BCL files tax returns. It is BCL's policy to recognize interest and/or penalties related to uncertain tax positions, if any, as income tax expense.”
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 | 179902 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 103188 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 34694 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 60581 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 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/AdvertisingGrp/ManagementAndGeneralAmt | 0 | 1293 |
| IRS990/AdvertisingGrp/ProgramServicesAmt | 0 | 3600 |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 4893 |
| IRS990/AllOtherContributionsAmt | 0 | 140100 |
| IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt | 0 | 2633 |
| IRS990/AllOtherExpensesGrp/ProgramServicesAmt | 0 | 7332 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 9965 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | Susan Kelly |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 4107278590 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 875 Hollins Street Ste 301 |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Baltimore |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MD |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 21201 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 3577425 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 2592986 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt | 0 | 33502 |
| IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt | 0 | 71272 |
| IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt | 0 | 291703 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 396477 |
| 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 | 140100 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 143811 |
| IRS990/CYOtherExpensesAmt | 0 | 689308 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 920824 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -243507 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 758934 |
| IRS990/CYTotalExpensesAmt | 0 | 1448242 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 64129 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 1204735 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 0 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DeferredRevenueGrp/BOYAmt | 0 | 38478 |
| IRS990/DeferredRevenueGrp/EOYAmt | 0 | 27615 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt | 0 | 1894 |
| IRS990/DepreciationDepletionGrp/ProgramServicesAmt | 0 | 5272 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 7166 |
| IRS990/Desc | 0 | Community Development Loan Portfolio management maintain, manage and service approximately 50 community development loan assets totaling approximately $9 million and representing in excess of 400 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 | 10 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/EngagedInExcessBenefitTransInd | 0 | 0 |
| IRS990/EscrowAccountLiabilityGrp/BOYAmt | 0 | 33887 |
| IRS990/EscrowAccountLiabilityGrp/EOYAmt | 0 | 35471 |
| IRS990/ExpenseAmt | 0 | 919959 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt | 0 | 9432 |
| IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt | 0 | 26258 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 35690 |
| IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt | 0 | 4566 |
| IRS990/FeesForServicesLegalGrp/ProgramServicesAmt | 0 | 12714 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 17280 |
| IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt | 0 | 5023 |
| IRS990/FeesForServicesOtherGrp/ProgramServicesAmt | 0 | 13986 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 19009 |
| 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 | 0.30 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 0.30 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 0.30 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 0.30 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 12 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 13 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 14 | 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/IndividualTrusteeOrDirectorInd | 11 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 12 | 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 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 12 | 21283 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 13 | 23505 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Teri Guarnaccia |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Michael Tagg |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Carlos M Plazas |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Antony Gross |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Linda Harrington |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Nichole Doyle Battle |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Dean S Harrison |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Gerard Joab |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Eric Jones |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | Christopher Rockey |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | Paul T Graziano |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | Jeffrey C Wilke |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 12 | William F Ariano Jr |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 13 | Sean Russell |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 14 | Frank Oakley |
| 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 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 138904 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 13 | 87985 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 14 | 124800 |
| 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/ReportableCompFromRltdOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | Board Chair |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Vice Chair |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Assistant Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | Preisident and CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | Vice President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 14 | Chief Lending Officer |
| 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 | 13 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 1204735 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 1 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 12 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 2 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InsuranceGrp/ManagementAndGeneralAmt | 0 | 5805 |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 16162 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 21967 |
| IRS990/InterestGrp/ProgramServicesAmt | 0 | 122620 |
| IRS990/InterestGrp/TotalAmt | 0 | 122620 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 143811 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 143811 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 213772 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 227409 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 849013 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 1018178 |
| IRS990/IRPDocumentCnt | 0 | 7 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 238472 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 7215 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 64925 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 303397 |
| 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 | 4206202 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 4589316 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 13300996 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 13043941 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -13548 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/ManagementAndGeneralAmt | 0 | 17164 |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 47788 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 64952 |
| IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt | 0 | 1620 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 4511 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 6131 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501c3Ind | 0 | X |
| IRS990/OrganizationFollowsSFAS117Ind | 0 | X |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt | 0 | 6746 |
| IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt | 0 | 14351 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 58735 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 79832 |
| IRS990/OtherExpensesGrp/Desc | 0 | Bad debt expense/(Recov |
| IRS990/OtherExpensesGrp/Desc | 1 | All other expenses |
| IRS990/OtherExpensesGrp/Desc | 2 | Repairs and maintenance |
| IRS990/OtherExpensesGrp/Desc | 3 | Staff Training |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 2318 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 3753 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 2 | 1626 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 322763 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 18318 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 10448 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 4528 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 322763 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 20636 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 14201 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 6154 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 28804 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 90394 |
| IRS990/OtherSalariesAndWagesGrp/FundraisingAmt | 0 | 19610 |
| IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt | 0 | 41719 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 170746 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 232075 |
| IRS990/OtherWebsiteInd | 0 | X |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 8341384 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 9306268 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/FundraisingAmt | 0 | 4271 |
| IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt | 0 | 9087 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 37192 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 50550 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 30102 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 19354 |
| IRS990/PrincipalOfficerNm | 0 | William Ariano |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 900099 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 900099 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Interest Income on Not |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Fee Income and other |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 681554 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 239270 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 681554 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 239270 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | Community development lending provided in excess of $6 million in loan fund commitments under BCL's commercial/multi-family program for development in LMI communities. |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 227800 |
| IRS990/ProgSrvcAccomActy2Grp/RevenueAmt | 0 | 323830 |
| 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 feasability, financing rehabilitation projects and construction management. Conducted a series of free development workshops on these topics throughout the year. |
| IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt | 0 | 38601 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 45375 |
| IRS990/PYExcessBenefitTransInd | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 138731 |
| IRS990/PYOtherExpensesAmt | 0 | 530964 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 705387 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | -378206 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 736735 |
| IRS990/PYTotalExpensesAmt | 0 | 1267699 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 889493 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -243507 |
| 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 | 596993 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 4734664 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 4600224 |
| IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt | 0 | 140100 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt | 0 | 45375 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 57818 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 1157450 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 566448 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt | 0 | 1967191 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt | 0 | 143811 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt | 0 | 138731 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 136411 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 166067 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 161725 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt | 0 | 746745 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt | 0 | 892884 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt | 0 | 705387 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt | 0 | 871218 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt | 0 | 860620 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt | 0 | 763310 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt | 0 | 4093419 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt | 0 | 143811 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt | 0 | 138731 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt | 0 | 136411 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt | 0 | 166067 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt | 0 | 161725 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt | 0 | 746745 |
| IRS990ScheduleA/InvestmentIncomeCYPct | 0 | 0.10970 |
| IRS990ScheduleA/PubliclySupportedOrg509a2Ind | 0 | X |
| IRS990ScheduleA/PublicSupportCY509Pct | 0 | 0.89030 |
| IRS990ScheduleA/PublicSupportTotal509Amt | 0 | 6060610 |
| IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind | 0 | X |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt | 0 | 1032984 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt | 0 | 750762 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 929036 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 2018070 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 1329758 |
| IRS990ScheduleA/Total509Grp/TotalAmt | 0 | 6060610 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt | 0 | 1176795 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt | 0 | 889493 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt | 0 | 1065447 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt | 0 | 2184137 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt | 0 | 1491483 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt | 0 | 6807355 |
| 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 |
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Displayed year
2017 • Form 990Detailed filing. Detailed filing data is available for this year.