Civic Intelligence

Baltimore Community Lending Inc.

990 • Fiscal year 2020 • EIN 52-1632468

Jul 01, 2019 to Jun 30, 2020 • Filed on Oct 09, 2020

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

69th percentile

0.46x

Higher debt load relative to assets than 69% of similar nonprofits.

2020 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2020

Liabilities / Revenue

93rd percentile

4.70x

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

2020 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2020

Net Margin

58th percentile

7.3%

Higher net margin than 58% of similar nonprofits.

2020 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2020

Top Officer Pay

43rd percentile

$155,633

Higher top officer pay than 43% of similar nonprofits.

Top officer pay equals 6.6% of source-year revenue.

2020 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2020

Asset Growth

73rd percentile

18%

Faster asset growth than 73% of similar nonprofits.

2020 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2019 to 2020

Revenue Growth

89th percentile

51%

Faster revenue growth than 89% of similar nonprofits.

2020 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets69th percentile

Assets

Up

$24,218,004

Up $3,778,848 (+18%) from 2019

Net Assets

Up

$13,174,465

Up $149,084 (+1.1%) from 2019

Liabilities

Up

$11,043,539

Up $3,629,764 (+49%) from 2019

Revenue And Expenses
Liabilities / Revenue93rd percentileNet Margin58th percentile

Revenue

Up

$2,349,981

Up $795,095 (+51%) from 2019

Expenses

Up

$2,178,836

Up $551,690 (+34%) from 2019

Net Income

Up

$171,145

Up $243,405 (+337%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth73rd 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

2020

Assets$24,218,004
Liabilities$11,043,539
Net Assets$13,174,465
Open 2020 Filing

Operations Trend

Revenue Growth89th 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

2020

Revenue$2,349,981
Expenses$2,178,836
Net Income$171,145
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2019 to Jun 30, 2020
Signed
Oct 9, 2020
Return Version
2019v5.1
Gross Receipts
$2,535,742
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$15,654,034$21,211,612▲ $5,557,578
Cash and Non-Interest-Bearing Accounts$2,574,912$2,679,402▲ $104,490
Investments in Publicly Traded Securities$969,400--
Savings and Temporary Cash Investments$823,007--
Investments Other Securities$139,470$138,511▼ $959
Land, Buildings, and Equipment, Net$121,979$98,574▼ $23,405
Prepaid Expenses and Deferred Charges$112,617$60,059▼ $52,558
Accounts Receivable$43,737$29,846▼ $13,891
Total Assets$20,439,156$24,218,004▲ $3,778,848
Liabilities
Mortgage Notes Payable Secured by Investment Property$6,921,914$10,798,766▲ $3,876,852
Accounts Payable and Accrued Expenses$274,725$150,867▼ $123,858
Escrow Account Liability$170,887$87,121▼ $83,766
Deferred Revenue$46,249$6,785▼ $39,464
Total Liabilities$7,413,775$11,043,539▲ $3,629,764
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$12,720,029$12,808,708▲ $88,679
Net Assets With Donor Restrictions$305,352$365,757▲ $60,405
Total Net Assets Fund Balance$13,025,381$13,174,465▲ $149,084
Total Liabilities and Net Assets / Fund Balance$20,439,156$24,218,004▲ $3,778,848

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$81,221$271,423$352,644
Leasehold Improvements$17,353$17,494$34,847
Compensation and Service Providers
Top Officer Pay43rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
William ArianoPast President and CEOPT$132,833$22,800$155,633
Sean RussellVice PresidentFT$97,323$33,275$130,598
Frank CoakleyChief Lending OfficerFT$113,634-$113,634
Watchen Harris BrucePresident and CEO (bbl Board Chair)FT$74,500$23,982$98,482

Board Members and Trustees

NameTitle
Nichole Doyle BattleBoard Chair
Paul TaylorBbl Vice Chair
Amber MohrVice Chair
David BrambleBbl Board Member
John WalshBbl Board Member
Larysa a SalamachaBbl Board Member
Mary MillerBbl Board Member
Matt CalhounBbl Board Member
Randall JamesBbl Board Member
Stephanie ChinBbl Board Member
Carlos M PlazasBoard Member
Christopher RockeyBoard Member
Dean S HarrisonBoard Member
Eric JonesBoard Member
Gerard JoabBoard Member
Michael BravermanBoard Member
Michael TaggBoard Member
Monica MitchellBoard Member
Paul T GrazianoBoard Member
Linda HarringtonAssistant Secretary
Antony GrossSecretary
Jeffrey C WilkieTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$938,306
Program Service Revenue
$1,425,168
Investment Income
$33,858
Other Revenue
$-47,351
All Other Contributions
$938,306
Change in Net Assets
$171,145

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,349,981
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$163,700
Total Revenue per Audited Statements
$2,513,681
Total Revenue per Form 990
$2,349,981
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,193,085
Other Expenses$985,751
Total Fundraising Expense$103,570
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$370,496$76,383$42,481$489,360
Current Officers, Directors, Trustees, and Key Employees$357,948$73,796$41,042$472,786
Interest$323,926--$323,926
Other Employee Benefits$116,774$24,075$13,389$154,238
Fees for Services Other$77,729$24,941-$102,670
Occupancy$63,752$20,453-$84,205
Payroll Taxes$58,071$11,972$6,658$76,701
Fees for Services Legal$42,086$13,502-$55,588
Depreciation Depletion$23,354$7,492-$30,846
Office Expenses$20,549$6,593-$27,142
Advertising$19,790$6,349-$26,139
Insurance$16,567$5,315-$21,882
Fees for Services Accounting$13,697$4,394-$18,091
Travel$12,568$4,032-$16,600
Other Expenses$9,967$3,197-$13,164
All Other Expenses$9,477$3,041-$12,518
Total Functional Expenses$1,770,405$304,861$103,570$2,178,836

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$2,364,598
Expenses per Audited Statements$2,178,836
Total Expenses per Form 990$2,178,836
Expenses Not Reported on Form 990$185,762
Expenses Not Reported on Financial Statements$0
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$185,761
Fundraising Gross Income$138,410
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
30th Anniversary Event$138,410$138,410$150,105$-11,695
Total Events$138,410$138,410$185,761$-47,351
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 35% controlled entity
No
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
Watchen Harris Bruce
Title
President & CEO
Phone
4107278590
Signed
2020-10-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Watchen Harris Bruce
Formed
1989
Legal Domicile
Md
Voting Board Members
15
Independent Board Members
14
Employees
15
Volunteers
16

Preparer

Firm
Sb & Company
Address
10200 OWINGS MILLS AVE SUITE 250, OWINGS MILLS, MD 21117
Preparer
Monique Booker
Phone
4105840060
Supplemental Narrative

Additional Explanations

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, 2020, 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, 2020, 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:

“30th anniversary fundraising event 185,761.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“30th anniversary fundraising event 185,761. Rounding adjustment 1.”

Raw XML AppendixShowing 400 of 713 raw XML fields

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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt200
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt210
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2223982
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2321800
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt240
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2533275
IRS990/Form990PartVIISectionAGrp/PersonNm0MICHAEL TAGG
IRS990/Form990PartVIISectionAGrp/PersonNm1JEFFREY C WILKIE
IRS990/Form990PartVIISectionAGrp/PersonNm2ANTONY GROSS
IRS990/Form990PartVIISectionAGrp/PersonNm3LINDA HARRINGTON
IRS990/Form990PartVIISectionAGrp/PersonNm4NICHOLE DOYLE BATTLE
IRS990/Form990PartVIISectionAGrp/PersonNm5DEAN S HARRISON
IRS990/Form990PartVIISectionAGrp/PersonNm6GERARD JOAB
IRS990/Form990PartVIISectionAGrp/PersonNm7ERIC JONES
IRS990/Form990PartVIISectionAGrp/PersonNm8CHRISTOPHER ROCKEY
IRS990/Form990PartVIISectionAGrp/PersonNm9PAUL T GRAZIANO
IRS990/Form990PartVIISectionAGrp/PersonNm10CARLOS M PLAZAS
IRS990/Form990PartVIISectionAGrp/PersonNm11AMBER MOHR
IRS990/Form990PartVIISectionAGrp/PersonNm12MONICA MITCHELL
IRS990/Form990PartVIISectionAGrp/PersonNm13MICHAEL BRAVERMAN
IRS990/Form990PartVIISectionAGrp/PersonNm14PAUL TAYLOR
IRS990/Form990PartVIISectionAGrp/PersonNm15MARY MILLER
IRS990/Form990PartVIISectionAGrp/PersonNm16LARYSA A SALAMACHA
IRS990/Form990PartVIISectionAGrp/PersonNm17STEPHANIE CHIN
IRS990/Form990PartVIISectionAGrp/PersonNm18JOHN WALSH
IRS990/Form990PartVIISectionAGrp/PersonNm19DAVID BRAMBLE
IRS990/Form990PartVIISectionAGrp/PersonNm20RANDALL JAMES
IRS990/Form990PartVIISectionAGrp/PersonNm21MATT CALHOUN
IRS990/Form990PartVIISectionAGrp/PersonNm22WATCHEN HARRIS BRUCE
IRS990/Form990PartVIISectionAGrp/PersonNm23WILLIAM ARIANO
IRS990/Form990PartVIISectionAGrp/PersonNm24FRANK COAKLEY
IRS990/Form990PartVIISectionAGrp/PersonNm25SEAN RUSSELL
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt210
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2274500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt23133833
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt24113634
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2597323
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
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/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt210
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt220
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt230
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt240
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt250
IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt1TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3ASSISTANT SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD 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/TitleTxt11VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt12BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt13BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt14BBL VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt15BBL BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt16BBL BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt17BBL BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt18BBL BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt19BBL BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt20BBL BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt21BBL BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt22PRESIDENT AND CEO (BBL BOARD CHAIR)
IRS990/Form990PartVIISectionAGrp/TitleTxt23PAST PRESIDENT AND CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt24CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt25VICE PRESIDENT
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01989
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd01
IRS990/FundraisingDirectExpensesAmt0185761
IRS990/FundraisingGrossIncomeAmt0138410
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt015
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt02535742
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt014
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InsuranceGrp/ManagementAndGeneralAmt05315
IRS990/InsuranceGrp/ProgramServicesAmt016567
IRS990/InsuranceGrp/TotalAmt021882
IRS990/InterestGrp/ProgramServicesAmt0323926
IRS990/InterestGrp/TotalAmt0323926
IRS990/InvestmentIncomeGrp/ExclusionAmt033858
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt033858
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0139470
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0138511
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0969400
IRS990/IRPDocumentCnt020
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0288917
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0121979
IRS990/LandBldgEquipBasisNetGrp/EOYAmt098574
IRS990/LandBldgEquipCostOrOtherBssAmt0387491
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/BOYAmt06921914
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt010798766
IRS990/NetAssetsOrFundBalancesBOYAmt013025381
IRS990/NetAssetsOrFundBalancesEOYAmt013174465
IRS990/NetIncmFromFundraisingEvtGrp/ExclusionAmt0-47351
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt0-47351
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-22061
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt012720029
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt012808708
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ManagementAndGeneralAmt020453
IRS990/OccupancyGrp/ProgramServicesAmt063752
IRS990/OccupancyGrp/TotalAmt084205
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt06593
IRS990/OfficeExpensesGrp/ProgramServicesAmt020549
IRS990/OfficeExpensesGrp/TotalAmt027142
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt013389
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt024075
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0116774
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0154238
IRS990/OtherExpensesGrp/Desc0BAD DEBT EXPENSE/(RECOV
IRS990/OtherExpensesGrp/Desc1REPARIS AND MAINTENANCE
IRS990/OtherExpensesGrp/Desc2BANK CHARGES
IRS990/OtherExpensesGrp/Desc3ALL OTHER EXPENSES
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt014605
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt14721
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt23197
IRS990/OtherExpensesGrp/ProgramServicesAmt0173415
IRS990/OtherExpensesGrp/ProgramServicesAmt145523
IRS990/OtherExpensesGrp/ProgramServicesAmt214716
IRS990/OtherExpensesGrp/ProgramServicesAmt39967
IRS990/OtherExpensesGrp/TotalAmt0173415
IRS990/OtherExpensesGrp/TotalAmt160128
IRS990/OtherExpensesGrp/TotalAmt219437
IRS990/OtherExpensesGrp/TotalAmt313164
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt042481
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt076383
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0370496
IRS990/OtherSalariesAndWagesGrp/TotalAmt0489360
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt015654034
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt021211612
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/FundraisingAmt06658
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt011972
IRS990/PayrollTaxesGrp/ProgramServicesAmt058071
IRS990/PayrollTaxesGrp/TotalAmt076701
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0112617
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt060059
IRS990/PrincipalOfficerNm0WATCHEN HARRIS BRUCE
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST INCOME ON NOT
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME AND OTHER
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01176376
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1248792
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01176376
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1248792

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$24,218,004
Liabilities
$11,043,539
Net assets
$13,174,465
Revenue
$2,349,981
Expenses
$2,178,836
Net income
$171,145
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