Liabilities / Assets
59th percentile
Higher debt load relative to assets than 59% of similar nonprofits.
990 • Fiscal year 2018 • EIN 52-1632468
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
59th percentile
Higher debt load relative to assets than 59% of similar nonprofits.
Liabilities / Revenue
93rd percentile
Higher debt load relative to revenue than 93% of similar nonprofits.
Net Margin
55th percentile
Higher net margin than 55% of similar nonprofits.
Top Officer Pay
49th percentile
Higher top officer pay than 49% of similar nonprofits.
Top officer pay equals 12.4% of source-year revenue.
Asset Growth
63rd percentile
Faster asset growth than 63% of similar nonprofits.
Revenue Growth
73rd percentile
Faster revenue growth than 73% of similar nonprofits.
Assets
Up$18,872,297
Up $982,372 (+5.5%) from 2017
Net Assets
Up$13,081,433
Up $37,492 (+0.3%) from 2017
Liabilities
Up$5,790,864
Up $944,880 (+19%) from 2017
Revenue
Up$1,387,587
Up $182,852 (+15%) from 2017
Expenses
Down$1,323,595
Down $124,647 (-8.6%) from 2017
Net Income
Up$63,992
Up $307,499 (+126%) from 2017
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 | $9,306,268 | $13,269,160 | ▲ $3,962,892 |
| Savings and Temporary Cash Investments | $4,600,224 | $2,513,349 | ▼ $2,086,875 |
| Cash and Non-Interest-Bearing Accounts | $2,592,986 | $1,717,958 | ▼ $875,028 |
| Investments in Publicly Traded Securities | $1,018,178 | $1,028,598 | ▲ $10,420 |
| Investments Other Securities | $227,409 | $139,337 | ▼ $88,072 |
| Land, Buildings, and Equipment, Net | $64,925 | $116,046 | ▲ $51,121 |
| Prepaid Expenses and Deferred Charges | $19,354 | $44,569 | ▲ $25,215 |
| Accounts Receivable | $60,581 | $43,280 | ▼ $17,301 |
| Total Assets | $17,889,925 | $18,872,297 | ▲ $982,372 |
| Liabilities | |||
| Mortgage Notes Payable Secured by Investment Property | $4,589,316 | $5,543,356 | ▲ $954,040 |
| Accounts Payable and Accrued Expenses | $103,188 | $145,471 | ▲ $42,283 |
| Other Liabilities | $90,394 | $0 | ▼ $90,394 |
| Escrow Account Liability | $35,471 | $85,285 | ▲ $49,814 |
| Deferred Revenue | $27,615 | $16,752 | ▼ $10,863 |
| Total Liabilities | $4,845,984 | $5,790,864 | ▲ $944,880 |
| Net Assets / Fund Balance | |||
| Unrestricted Net Assets | $12,728,941 | $12,759,740 | ▲ $30,799 |
| Temporarily Rstr Net Assets | $315,000 | $321,693 | ▲ $6,693 |
| Total Net Assets Fund Balance | $13,043,941 | $13,081,433 | ▲ $37,492 |
| Total Liabilities and Net Assets / Fund Balance | $17,889,925 | $18,872,297 | ▲ $982,372 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $39,370 | $228,392 | $267,762 |
| Leasehold Improvements | $76,676 | $2,317 | $78,993 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| William F Ariano Jr | President and CEO | FT | $156,000 | $16,730 | $172,730 |
| Frank Coakley | Chief Lending Officer | FT | $120,040 | - | $120,040 |
| Sean Russell | Vice President | FT | $89,201 | $10,610 | $99,811 |
| Name | Title |
|---|---|
| Teri Guarnaccia | 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 Doye 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 | $906,936 |
| Other Expenses | $416,659 |
| Total Fundraising Expense | $67,573 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Current Officers, Directors, Trustees, and Key Employees | $298,953 | $64,378 | $29,250 | $392,581 |
| Other Salaries and Wages | $264,280 | $56,911 | $25,858 | $347,049 |
| Interest | $128,068 | - | - | $128,068 |
| Other Employee Benefits | $82,695 | $17,808 | $8,091 | $108,594 |
| Occupancy | $58,864 | $18,435 | - | $77,299 |
| Payroll Taxes | $44,710 | $9,628 | $4,374 | $58,712 |
| All Other Expenses | $42,412 | $13,283 | - | $55,695 |
| Advertising | $18,262 | $5,720 | - | $23,982 |
| Insurance | $15,464 | $4,843 | - | $20,307 |
| Fees for Services Accounting | $14,615 | $4,577 | - | $19,192 |
| Depreciation Depletion | $12,770 | $3,999 | - | $16,769 |
| Fees for Services Legal | $11,998 | $3,757 | - | $15,755 |
| Office Expenses | $8,104 | $2,538 | - | $10,642 |
| Travel | $5,349 | $1,675 | - | $7,024 |
| Fees for Services Other | $3,831 | $1,200 | - | $5,031 |
| Other Expenses | $3,261 | $1,021 | - | $4,282 |
| Total Functional Expenses | $1,038,471 | $217,551 | $67,573 | $1,323,595 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $1,323,595 |
| Total Expenses per Form 990 | $1,323,595 |
| Total Expenses per Audited Statements | $1,235,204 |
| Expenses Not Reported on Financial Statements | $0 |
| Expenses Not Reported on Form 990 | $-88,391 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
“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 has not chaged 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, 2018, 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, 2018, the statute of limitations for fiscal years 2016 through 2018 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.”
“Bad debt recovery -88,391.”
“Bad debt recovery -88,391.”
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 | 103188 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 145471 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 60581 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 43280 |
| 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 | 5720 |
| IRS990/AdvertisingGrp/ProgramServicesAmt | 0 | 18262 |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 23982 |
| IRS990/AllOtherContributionsAmt | 0 | 175000 |
| IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt | 0 | 13283 |
| IRS990/AllOtherExpensesGrp/ProgramServicesAmt | 0 | 42412 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 55695 |
| 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 | 2592986 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 1717958 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt | 0 | 29250 |
| IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt | 0 | 64378 |
| IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt | 0 | 298953 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 392581 |
| 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 | 175000 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 50945 |
| IRS990/CYOtherExpensesAmt | 0 | 416659 |
| IRS990/CYOtherRevenueAmt | 0 | 88391 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 1073251 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 63992 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 906936 |
| IRS990/CYTotalExpensesAmt | 0 | 1323595 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 67573 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 1387587 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 0 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DeferredRevenueGrp/BOYAmt | 0 | 27615 |
| IRS990/DeferredRevenueGrp/EOYAmt | 0 | 16752 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt | 0 | 3999 |
| IRS990/DepreciationDepletionGrp/ProgramServicesAmt | 0 | 12770 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 16769 |
| 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 | 1 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 0 |
| IRS990/EmployeeCnt | 0 | 9 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/EngagedInExcessBenefitTransInd | 0 | 0 |
| IRS990/EscrowAccountLiabilityGrp/BOYAmt | 0 | 35471 |
| IRS990/EscrowAccountLiabilityGrp/EOYAmt | 0 | 85285 |
| IRS990/ExpenseAmt | 0 | 1038471 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt | 0 | 4577 |
| IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt | 0 | 14615 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 19192 |
| IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt | 0 | 3757 |
| IRS990/FeesForServicesLegalGrp/ProgramServicesAmt | 0 | 11998 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 15755 |
| IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt | 0 | 1200 |
| IRS990/FeesForServicesOtherGrp/ProgramServicesAmt | 0 | 3831 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 5031 |
| 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 | 16730 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 14 | 10610 |
| 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 Doye 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 | Frank Coakley |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 14 | Sean Russell |
| 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 | 156000 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 13 | 120040 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 14 | 89201 |
| 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 | 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 | President and CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | Chief Lending Officer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 14 | Vice President |
| 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 | 1387587 |
| 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 | 4843 |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 15464 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 20307 |
| IRS990/InterestGrp/ProgramServicesAmt | 0 | 128068 |
| IRS990/InterestGrp/TotalAmt | 0 | 128068 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 50945 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 50945 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 227409 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 139337 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 1018178 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 1028598 |
| IRS990/IRPDocumentCnt | 0 | 9 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 230709 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 64925 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 116046 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 346755 |
| 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 | 4589316 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 5543356 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 13043941 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 13081433 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -26500 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/ManagementAndGeneralAmt | 0 | 18435 |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 58864 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 77299 |
| IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt | 0 | 2538 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 8104 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 10642 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501c3Ind | 0 | X |
| IRS990/OrganizationFollowsSFAS117Ind | 0 | X |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt | 0 | 8091 |
| IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt | 0 | 17808 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 82695 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 108594 |
| IRS990/OtherExpensesGrp/Desc | 0 | Repairs and maintenance |
| IRS990/OtherExpensesGrp/Desc | 1 | Staff Training |
| IRS990/OtherExpensesGrp/Desc | 2 | Telephone |
| IRS990/OtherExpensesGrp/Desc | 3 | Dues and subscriptions |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 4908 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 1762 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 2 | 1108 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 3 | 1021 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 15673 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 5624 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 3538 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 3261 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 20581 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 7386 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 4646 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 4282 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 90394 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 0 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 900099 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | Other income |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 88391 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 88391 |
| IRS990/OtherRevenueTotalAmt | 0 | 88391 |
| IRS990/OtherSalariesAndWagesGrp/FundraisingAmt | 0 | 25858 |
| IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt | 0 | 56911 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 264280 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 347049 |
| IRS990/OtherWebsiteInd | 0 | X |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 9306268 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 13269160 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayPremiumsPrsnlBnftCntrctInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/FundraisingAmt | 0 | 4374 |
| IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt | 0 | 9628 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 44710 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 58712 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 19354 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 44569 |
| 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 | 747280 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 325971 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 747280 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 325971 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 140100 |
| IRS990/PYExcessBenefitTransInd | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 143811 |
| IRS990/PYOtherExpensesAmt | 0 | 689308 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 920824 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | -243507 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 758934 |
| IRS990/PYTotalExpensesAmt | 0 | 1448242 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 1204735 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/RcvFndsToPayPrsnlBnftCntrctInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 63992 |
| 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 | 0 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RevenueAmt | 0 | 1073251 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 4600224 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 2513349 |
| IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt | 0 | 175000 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt | 0 | 140100 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 45375 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 57818 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 1157450 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt | 0 | 1575743 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt | 0 | 50945 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt | 0 | 143811 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 138731 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 136411 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 166067 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt | 0 | 635965 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt | 0 | 1094238 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt | 0 | 892884 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt | 0 | 705387 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt | 0 | 871218 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt | 0 | 860620 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt | 0 | 4424347 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt | 0 | 50945 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt | 0 | 143811 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt | 0 | 138731 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt | 0 | 136411 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt | 0 | 166067 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt | 0 | 635965 |
| IRS990ScheduleA/InvestmentIncomeCYPct | 0 | 0.09580 |
| IRS990ScheduleA/InvestmentIncomePYPct | 0 | 0.10970 |
| IRS990ScheduleA/PubliclySupportedOrg509a2Ind | 0 | X |
| IRS990ScheduleA/PublicSupportCY509Pct | 0 | 0.90420 |
| IRS990ScheduleA/PublicSupportPY509Pct | 0 | 0.89030 |
| IRS990ScheduleA/PublicSupportTotal509Amt | 0 | 6000090 |
| IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind | 0 | X |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt | 0 | 1269238 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt | 0 | 1032984 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 750762 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 929036 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 2018070 |
| IRS990ScheduleA/Total509Grp/TotalAmt | 0 | 6000090 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt | 0 | 1320183 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt | 0 | 1176795 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt | 0 | 889493 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt | 0 | 1065447 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt | 0 | 2184137 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt | 0 | 6636055 |
| IRS990/ScheduleBRequiredInd | 0 | 1 |
| IRS990ScheduleD/AdditionsDuringYearAmt | 0 | 49814 |
| IRS990ScheduleD/AgentTrusteeEtcInd | 0 | 0 |
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Displayed year
2018 • Form 990Detailed filing. Detailed filing data is available for this year.