Civic Intelligence

Baltimore Community Lending Inc.

990 • Fiscal year 2019 • EIN 52-1632468

Jul 01, 2018 to Jun 30, 2019 • Filed on Nov 15, 2019

Organization ProfileWWW.BCLENDING.ORG

View Organization Page

875 Hollins StreetBaltimore, MD 21201

(410) 727-8590

Siviq Scores

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

Liabilities / Assets

64th percentile

0.36x

Higher debt load relative to assets than 64% of similar nonprofits.

2019 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2019

Liabilities / Revenue

93rd percentile

4.77x

Higher debt load relative to revenue than 93% of similar nonprofits.

2019 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2019

Net Margin

23rd percentile

-4.6%

Higher net margin than 23% of similar nonprofits.

2019 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2019

Top Officer Pay

49th percentile

$172,730

Higher top officer pay than 49% of similar nonprofits.

Top officer pay equals 11.1% of source-year revenue.

2019 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2019

Asset Growth

65th percentile

8.3%

Faster asset growth than 65% of similar nonprofits.

2019 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2018 to 2019

Revenue Growth

70th percentile

12%

Faster revenue growth than 70% of similar nonprofits.

2019 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets64th percentile

Assets

Up

$20,439,156

Up $1,566,859 (+8.3%) from 2018

Net Assets

Down

$13,025,381

Down $56,052 (-0.4%) from 2018

Liabilities

Up

$7,413,775

Up $1,622,911 (+28%) from 2018

Revenue And Expenses
Liabilities / Revenue93rd percentileNet Margin23rd percentile

Revenue

Up

$1,554,886

Up $167,299 (+12%) from 2018

Expenses

Up

$1,627,146

Up $303,551 (+23%) from 2018

Net Income

Down

-$72,260

Down $136,252 (-213%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth65th 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

2019

Assets$20,439,156
Liabilities$7,413,775
Net Assets$13,025,381
Open 2019 Filing

Operations Trend

Revenue Growth70th 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

2019

Revenue$1,554,886
Expenses$1,627,146
Net Income-$72,260
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2018 to Jun 30, 2019
Signed
Nov 15, 2019
Return Version
2018v3.1
Gross Receipts
$1,554,886
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.

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.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$13,269,160$15,654,034▲ $2,384,874
Cash and Non-Interest-Bearing Accounts$1,717,958$2,574,912▲ $856,954
Investments in Publicly Traded Securities$1,028,598$969,400▼ $59,198
Savings and Temporary Cash Investments$2,513,349$823,007▼ $1,690,342
Investments Other Securities$139,337$139,470▲ $133
Land, Buildings, and Equipment, Net$116,046$121,979▲ $5,933
Prepaid Expenses and Deferred Charges$44,569$112,617▲ $68,048
Accounts Receivable$43,280$43,737▲ $457
Pledges and Grants Receivable-$0-
Total Assets$18,872,297$20,439,156▲ $1,566,859
Other Assets Total-$0-
Liabilities
Mortgage Notes Payable Secured by Investment Property$5,543,356$6,921,914▲ $1,378,558
Accounts Payable and Accrued Expenses$145,471$274,725▲ $129,254
Escrow Account Liability$85,285$170,887▲ $85,602
Deferred Revenue$16,752$46,249▲ $29,497
Other Liabilities$0--
Total Liabilities$5,790,864$7,413,775▲ $1,622,911
Net Assets / Fund Balance
Unrestricted Net Assets$12,759,740$12,720,029▼ $39,711
Temporarily Rstr Net Assets$321,693$305,352▼ $16,341
Total Net Assets Fund Balance$13,081,433$13,025,381▼ $56,052
Total Liabilities and Net Assets / Fund Balance$18,872,297$20,439,156▲ $1,566,859

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$98,640$246,553$345,193
Leasehold Improvements$23,339$11,507$34,846
Compensation and Service Providers
Top Officer Pay49th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
William F Ariano JrPresident and CEOFT$155,000$17,730$172,730
Frank CoakleyChief Lending OfficerFT$120,000-$120,000
Sean RussellVice PresidentFT$92,839$10,964$103,803

Board Members and Trustees

NameTitle
Michael TaggChair
Nichole Doye BattleVice Chair
Amber MohrBoard Member
Carlos M PlazasBoard Member
Christopher RockeyBoard Member
Dean S HarrisonBoard Member
Eric JonesBoard Member
Gerard JoabBoard Member
Michael BravermanBoard Member
Monica MitchellBoard Member
Paul T GrazianoBoard Member
Linda HarringtonAssistant Secretary
Antony GrossSecretary
Jeffrey C WilkeTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$228,563
Program Service Revenue
$1,273,878
Investment Income
$52,445
Other Revenue
$0
All Other Contributions
$228,563
Change in Net Assets
$-72,260

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,554,886
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$16,509
Total Revenue per Audited Statements
$1,571,395
Total Revenue per Form 990
$1,554,886
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,059,564
Other Expenses$567,582
Total Fundraising Expense$65,463
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$365,192$64,575$28,301$458,068
Current Officers, Directors, Trustees, and Key Employees$316,133$55,901$24,499$396,533
Interest$159,195--$159,195
Other Employee Benefits$109,198$19,309$8,462$136,969
Occupancy$66,856$17,003-$83,859
Payroll Taxes$54,208$9,585$4,201$67,994
Fees for Services Legal$46,966$11,945-$58,911
Fees for Services Other$22,468$5,714-$28,182
Depreciation Depletion$21,814$5,548-$27,362
Office Expenses$21,341$5,427-$26,768
Fees for Services Accounting$16,581$4,217-$20,798
Insurance$16,465$4,187-$20,652
Advertising$15,180$3,861-$19,041
All Other Expenses$10,003$2,544-$12,547
Travel$7,375$1,876-$9,251
Other Expenses$5,861$1,491-$7,352
Total Functional Expenses$1,336,881$224,802$65,463$1,627,146

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$1,627,449
Expenses per Audited Statements$1,627,146
Total Expenses per Form 990$1,627,146
Expenses Not Reported on Form 990$303
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
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
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

“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

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

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 18

“AVAILABLE UPON REQUEST”

Form 990, Part VI, Section C, Line 19

“AVAILABLE UPON REQUEST”

Filing and Contact Details

Filer

Filer Name
Baltimore Community Lending Inc
EIN
52-1632468
Phone
4107278590
Address
875 HOLLINS STREET, BALTIMORE, MD 21201

Signing Officer

Name
William Ariano
Title
President & CEO
Phone
4107278590
Signed
2019-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
William Ariano
Formed
1989
Legal Domicile
Md
Voting Board Members
15
Independent Board Members
14
Employees
9
Volunteers
17

Preparer

Firm
Sb & Company
Address
OC
Preparer
Monique Booker
Phone
4105840060
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Change in creo net position 353.”

FORM 990, PART XII, LINE 2C:

“The process has not changed from prior year.”

Financial Statement Notes

PART IV, LINE 2B:

“Escrow funds - this liability relates to funds held by bcl as an escrow balance for single family and multi-family loan program.”

PART X, LINE 2:

“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, 2019, 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, 2019, the statute of limitations for fiscal years 2016 through 2019 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.”

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“CREO INCOME 654.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“CREO EXPENSES 303.”

Raw XML AppendixShowing 400 of 639 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14156000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15120000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1692839
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
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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/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3ASSISTANT SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt11BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt12BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt13BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt14PRESIDENT AND CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt15CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt16VICE PRESIDENT
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IRS990/FSAuditedInd01
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt01554886
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt014
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
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IRS990/InsuranceGrp/ProgramServicesAmt016465
IRS990/InsuranceGrp/TotalAmt020652
IRS990/InterestGrp/ProgramServicesAmt0159195
IRS990/InterestGrp/TotalAmt0159195
IRS990/InvestmentIncomeGrp/ExclusionAmt052445
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt052445
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IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0139470
IRS990/InvestmentsPubTradedSecGrp/BOYAmt01028598
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0969400
IRS990/IRPDocumentCnt011
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0258060
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0116046
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0121979
IRS990/LandBldgEquipCostOrOtherBssAmt0380039
IRS990/LegalDomicileStateCd0MD
IRS990/LoanOutstandingInd00
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/BOYAmt05543356
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt06921914
IRS990/NetAssetsOrFundBalancesBOYAmt013081433
IRS990/NetAssetsOrFundBalancesEOYAmt013025381
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt015855
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ManagementAndGeneralAmt017003
IRS990/OccupancyGrp/ProgramServicesAmt066856
IRS990/OccupancyGrp/TotalAmt083859
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt05427
IRS990/OfficeExpensesGrp/ProgramServicesAmt021341
IRS990/OfficeExpensesGrp/TotalAmt026768
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/EOYAmt00
IRS990/OtherChangesInNetAssetsAmt0353
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt08462
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt019309
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0109198
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0136969
IRS990/OtherExpensesGrp/Desc0REPARIS AND MAINTENANCE
IRS990/OtherExpensesGrp/Desc1BAD DEBT EXPENSE/(RECOV
IRS990/OtherExpensesGrp/Desc2ALL OTHER EXPENSES
IRS990/OtherExpensesGrp/Desc3BANK CHARGES
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt09133
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt12486
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt21491
IRS990/OtherExpensesGrp/ProgramServicesAmt035910
IRS990/OtherExpensesGrp/ProgramServicesAmt136361
IRS990/OtherExpensesGrp/ProgramServicesAmt29774
IRS990/OtherExpensesGrp/ProgramServicesAmt35861
IRS990/OtherExpensesGrp/TotalAmt045043
IRS990/OtherExpensesGrp/TotalAmt136361
IRS990/OtherExpensesGrp/TotalAmt212260
IRS990/OtherExpensesGrp/TotalAmt37352
IRS990/OtherLiabilitiesGrp/BOYAmt00
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt028301
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt064575
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0365192
IRS990/OtherSalariesAndWagesGrp/TotalAmt0458068
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt013269160
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt015654034
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/FundraisingAmt04201
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt09585
IRS990/PayrollTaxesGrp/ProgramServicesAmt054208
IRS990/PayrollTaxesGrp/TotalAmt067994
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt044569
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0112617
IRS990/PrincipalOfficerNm0WILLIAM ARIANO
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST INCOME ON NOT
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME AND OTHER
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0966806
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1307072
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0966806
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1307072
IRS990/ProgSrvcAccomActy2Grp/Desc0BBL IS A YEAR-OLD SMALL BUSINESS LOAN INITIATIVE WHICH PROVIDES FINANCING FOR CREDIT WORTHY BUSINESSES THAT LACK EQUITY OR ARE NOT OTHERWISE ELIGIBLE FOR TRADITIONAL FINANCING. IT MAINTAINS , MANAGES AND SERVICES APPROXIMATELY 10 SMALL BUSINESS LOANS TOTALING APPROXIMATELY $500,000 FOR START-UP AND EXPANDING BUSINESSES.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0248667
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt030667
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt0175000
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt050945
IRS990/PYOtherExpensesAmt0416659
IRS990/PYOtherRevenueAmt088391
IRS990/PYProgramServiceRevenueAmt01073251
IRS990/PYRevenuesLessExpensesAmt063992
IRS990/PYSalariesCompEmpBnftPaidAmt0906936
IRS990/PYTotalExpensesAmt01323595
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01387587
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0-72260
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd01
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt01243201
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02513349
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0823007
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt0228563
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt0175000
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt0140100
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt045375
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt057818
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt0646856
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt052445
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt050945
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt0143811
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt0138731
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt0136411
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt0522343
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt01273878
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt01094238
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt0892884
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt0705387
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt0871218
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt04837605
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt052445
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt050945
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt0143811
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt0138731
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt0136411
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt0522343
IRS990ScheduleA/InvestmentIncomeCYPct00.08700
IRS990ScheduleA/InvestmentIncomePYPct00.09580
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.91300
IRS990ScheduleA/PublicSupportPY509Pct00.90420
IRS990ScheduleA/PublicSupportTotal509Amt05484461
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt00
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt01502441
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt01269238

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$20,439,156
Liabilities
$7,413,775
Net assets
$13,025,381
Revenue
$1,554,886
Expenses
$1,627,146
Net income
-$72,260
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