Liabilities / Assets
74th percentile
Higher debt load relative to assets than 74% of similar nonprofits.
990 • Fiscal year 2022 • EIN 52-1632468
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
74th percentile
Higher debt load relative to assets than 74% of similar nonprofits.
Liabilities / Revenue
91st percentile
Higher debt load relative to revenue than 91% of similar nonprofits.
Net Margin
89th percentile
Higher net margin than 89% of similar nonprofits.
Top Officer Pay
20th percentile
Higher top officer pay than 20% of similar nonprofits.
Top officer pay equals 2.9% of source-year revenue.
Asset Growth
80th percentile
Faster asset growth than 80% of similar nonprofits.
Revenue Growth
72nd percentile
Faster revenue growth than 72% of similar nonprofits.
Assets
Up$32,545,900
Up $4,934,766 (+18%) from 2021
Net Assets
Up$16,250,295
Up $2,386,206 (+17%) from 2021
Liabilities
Up$16,295,605
Up $2,548,560 (+19%) from 2021
Revenue
Up$4,977,119
Up $788,173 (+19%) from 2021
Expenses
Down$2,590,915
Down $908,405 (-26%) from 2021
Net Income
Up$2,386,204
Up $1,696,578 (+246%) from 2021
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 | $19,237,736 | $18,435,171 | ▼ $802,565 |
| Cash and Non-Interest-Bearing Accounts | $8,037,639 | $13,647,929 | ▲ $5,610,290 |
| Investments Other Securities | $138,209 | $137,903 | ▼ $306 |
| Accounts Receivable | $27,510 | $128,202 | ▲ $100,692 |
| Land, Buildings, and Equipment, Net | $77,642 | $127,695 | ▲ $50,053 |
| Prepaid Expenses and Deferred Charges | $72,298 | $53,700 | ▼ $18,598 |
| Investments in Publicly Traded Securities | $20,100 | $15,300 | ▼ $4,800 |
| Total Assets | $27,611,134 | $32,545,900 | ▲ $4,934,766 |
| Liabilities | |||
| Mortgage Notes Payable Secured by Investment Property | $13,242,528 | $15,969,051 | ▲ $2,726,523 |
| Accounts Payable and Accrued Expenses | $190,073 | $199,812 | ▲ $9,739 |
| Escrow Account Liability | $314,444 | $126,742 | ▼ $187,702 |
| Total Liabilities | $13,747,045 | $16,295,605 | ▲ $2,548,560 |
| Net Assets / Fund Balance | |||
| Net Assets Without Donor Restrictions | $13,317,624 | $14,787,749 | ▲ $1,470,125 |
| Net Assets With Donor Restrictions | $546,465 | $1,462,546 | ▲ $916,081 |
| Total Net Assets Fund Balance | $13,864,089 | $16,250,295 | ▲ $2,386,206 |
| Total Liabilities and Net Assets / Fund Balance | $27,611,134 | $32,545,900 | ▲ $4,934,766 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $121,634 | $315,477 | $437,111 |
| Leasehold Improvements | $6,061 | $19,470 | $25,531 |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Watchen Harris Bruce | President and CEO | FT | $144,157 | $144,157 |
| Sean Russell | VP & Chief Lending Officer | FT | $111,203 | $111,203 |
| Name | Title |
|---|---|
| Jeffrey C Wilke | Board Chair |
| Michael Tagg | Vice Chair |
| Alex Aaron | Board Member |
| Alice Kennedy | Board Member |
| Christopher Rockey | Board Member |
| Eduardo Hayden | Board Member |
| Gerard Joab | Board Member |
| Nichole Doye Battle | Board Member |
| Paul T Graziano | Board Member |
| Linda Harrington | Secretary |
| Antony Gross | Treasurer |
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $1,659,803 |
| Other Expenses | $931,112 |
| Total Fundraising Expense | $166,697 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $964,524 | $258,566 | $136,551 | $1,359,641 |
| Interest | $411,219 | - | - | $411,219 |
| Other Employee Benefits | $139,093 | $37,288 | $19,692 | $196,073 |
| Information Technology | $120,880 | $49,518 | - | $170,398 |
| Payroll Taxes | $73,840 | $19,795 | $10,454 | $104,089 |
| Fees for Services Other | $65,465 | $26,818 | - | $92,283 |
| Occupancy | $62,003 | $25,400 | - | $87,403 |
| Advertising | $51,157 | $20,957 | - | $72,114 |
| Depreciation Depletion | $23,028 | $9,434 | - | $32,462 |
| Insurance | $19,817 | $8,118 | - | $27,935 |
| Office Expenses | $18,331 | $7,510 | - | $25,841 |
| Fees for Services Accounting | $14,472 | $5,928 | - | $20,400 |
| Fees for Services Legal | $10,094 | $4,135 | - | $14,229 |
| Travel | $2,357 | $965 | - | $3,322 |
| Other Expenses | $1,944 | $797 | - | $2,741 |
| All Other Expenses | $-93,187 | $7,277 | - | $-85,910 |
| Total Functional Expenses | $1,925,241 | $498,977 | $166,697 | $2,590,915 |
| Line Item | Amount |
|---|---|
| Total Expenses per Audited Statements | $2,716,037 |
| Expenses per Audited Statements | $2,590,915 |
| Total Expenses per Form 990 | $2,590,915 |
| Expenses Not Reported on Form 990 | $125,122 |
| Expenses Not Reported on Financial Statements | $0 |
| Line Item | Amount |
|---|---|
| Fundraising Direct Expenses | $125,122 |
| Fundraising Gross Income | $27,500 |
| 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 changed from prior year.”
“Escrow funds - this liability relates to funds held by bcl as an escrow balance for single family and multi-family loan program.”
“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, 2022, 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, 2022, the statute of limitations for fiscal years 2018 through 2021 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.”
“Fund raising expenses 125,122.”
“Fund raising expenses 125,122.”
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 | 190073 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 199812 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 27510 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 128202 |
| 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 | 20957 |
| IRS990/AdvertisingGrp/ProgramServicesAmt | 0 | 51157 |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 72114 |
| IRS990/AllOtherContributionsAmt | 0 | 3471236 |
| IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt | 0 | 7277 |
| IRS990/AllOtherExpensesGrp/ProgramServicesAmt | 0 | -93187 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | -85910 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 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/BusinessRlnWith35CtrlEntInd | 0 | 0 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 8037639 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 13647929 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 1 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 3471236 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 15967 |
| IRS990/CYOtherExpensesAmt | 0 | 931112 |
| IRS990/CYOtherRevenueAmt | 0 | -97622 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 1587538 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 2386204 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 1659803 |
| IRS990/CYTotalExpensesAmt | 0 | 2590915 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 166697 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 4977119 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 0 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt | 0 | 9434 |
| IRS990/DepreciationDepletionGrp/ProgramServicesAmt | 0 | 23028 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 32462 |
| IRS990/Desc | 0 | COMMUNITY DEVELOPMENT LOAN PORTFOLIO MANAGEMENT MAINTAIN, MANAGE AND SERVICE APPROXIMATELY 500 COMMUNITY DEVELOPMENT LOAN ASSETS TOTALING APPROXIMATELY $15 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/DonorRestrictionNetAssetsGrp/BOYAmt | 0 | 546465 |
| IRS990/DonorRestrictionNetAssetsGrp/EOYAmt | 0 | 1462546 |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 0 |
| IRS990/EmployeeCnt | 0 | 12 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 0 |
| IRS990/EngagedInExcessBenefitTransInd | 0 | 0 |
| IRS990/EscrowAccountLiabilityGrp/BOYAmt | 0 | 314444 |
| IRS990/EscrowAccountLiabilityGrp/EOYAmt | 0 | 126742 |
| IRS990/ExpenseAmt | 0 | 1895617 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt | 0 | 5928 |
| IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt | 0 | 14472 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 20400 |
| IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt | 0 | 4135 |
| IRS990/FeesForServicesLegalGrp/ProgramServicesAmt | 0 | 10094 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 14229 |
| IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt | 0 | 26818 |
| IRS990/FeesForServicesOtherGrp/ProgramServicesAmt | 0 | 65465 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 92283 |
| 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 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 12 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 0 | X |
| 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/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/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 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | MICHAEL TAGG |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | JEFFREY C WILKE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | ANTONY GROSS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | LINDA HARRINGTON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | ALEX AARON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | ALICE KENNEDY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | CHRISTOPHER ROCKEY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | EDUARDO HAYDEN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | GERARD JOAB |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | NICHOLE DOYE BATTLE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | PAUL T GRAZIANO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | WATCHEN HARRIS BRUCE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 12 | 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 | 144157 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 111203 |
| 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/TitleTxt | 0 | VICE CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | BOARD CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | BOARD MEMBER |
| 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 | PRESIDENT AND CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | VP & 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/FundraisingDirectExpensesAmt | 0 | 125122 |
| IRS990/FundraisingGrossIncomeAmt | 0 | 27500 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 12 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 5102241 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 1 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 11 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 2 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt | 0 | 49518 |
| IRS990/InformationTechnologyGrp/ProgramServicesAmt | 0 | 120880 |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 170398 |
| IRS990/InsuranceGrp/ManagementAndGeneralAmt | 0 | 8118 |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 19817 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 27935 |
| IRS990/InterestGrp/ProgramServicesAmt | 0 | 411219 |
| IRS990/InterestGrp/TotalAmt | 0 | 411219 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 15967 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 15967 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 138209 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 137903 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 20100 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 15300 |
| IRS990/IRPDocumentCnt | 0 | 36 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 334947 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 77642 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 127695 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 462642 |
| 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 | 13242528 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 15969051 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 13864089 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 16250295 |
| IRS990/NetIncmFromFundraisingEvtGrp/ExclusionAmt | 0 | -97622 |
| IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt | 0 | -97622 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt | 0 | 13317624 |
| IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt | 0 | 14787749 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/ManagementAndGeneralAmt | 0 | 25400 |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 62003 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 87403 |
| IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt | 0 | 7510 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 18331 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 25841 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501c3Ind | 0 | X |
| IRS990/OrganizationFollowsFASB117Ind | 0 | X |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt | 0 | 19692 |
| IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt | 0 | 37288 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 139093 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 196073 |
| IRS990/OtherExpensesGrp/Desc | 0 | BANK CHARGES |
| IRS990/OtherExpensesGrp/Desc | 1 | DUES AND SUBSCRIPTIONS |
| IRS990/OtherExpensesGrp/Desc | 2 | STAFF TRAINING |
| IRS990/OtherExpensesGrp/Desc | 3 | REPAIRS AND MAINTENANCE |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 7954 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 4909 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 2 | 3608 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 3 | 797 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 19415 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 11982 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 8807 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 1944 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 27369 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 16891 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 12415 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 2741 |
| IRS990/OtherSalariesAndWagesGrp/FundraisingAmt | 0 | 136551 |
| IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt | 0 | 258566 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 964524 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 1359641 |
| IRS990/OtherWebsiteInd | 0 | X |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 19237736 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 18435171 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/FundraisingAmt | 0 | 10454 |
| IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt | 0 | 19795 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 73840 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 104089 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 72298 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 53700 |
| IRS990/PrincipalOfficerNm | 0 | WATCHEN HARRIS BRUCE |
| 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 | 1235902 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 351636 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 1235902 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 351636 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | THE SMALL BUSINESS DEVISION IS A FOUR-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 64 SMALL BUSINESS LOANS TOTALING APPROXIMATELY $4,149,292 FOR START-UP AND EXPANDING BUSINESSES. |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 29624 |
| IRS990/ProgSrvcAccomActy2Grp/RevenueAmt | 0 | 295646 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 2591533 |
| IRS990/PYExcessBenefitTransInd | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 300000 |
| IRS990/PYInvestmentIncomeAmt | 0 | 5031 |
| IRS990/PYOtherExpensesAmt | 0 | 1727874 |
| IRS990/PYOtherRevenueAmt | 0 | 14147 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 1578235 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 689626 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 1471446 |
| IRS990/PYTotalExpensesAmt | 0 | 3499320 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 4188946 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 2386204 |
| 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 | 1291892 |
| IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt | 0 | 3471236 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt | 0 | 2591533 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 938306 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 228563 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 175000 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt | 0 | 7404638 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt | 0 | 15967 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt | 0 | 5031 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 33858 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 52445 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 50945 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt | 0 | 158246 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt | 0 | 1587538 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt | 0 | 1578235 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt | 0 | 1425168 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt | 0 | 1273878 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt | 0 | 1094238 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt | 0 | 6959057 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt | 0 | 15967 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt | 0 | 5031 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt | 0 | 33858 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt | 0 | 52445 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt | 0 | 50945 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt | 0 | 158246 |
| IRS990ScheduleA/InvestmentIncomeCYPct | 0 | 0.01090 |
| IRS990ScheduleA/InvestmentIncomePYPct | 0 | 0.02690 |
| IRS990ScheduleA/PubliclySupportedOrg509a2Ind | 0 | X |
| IRS990ScheduleA/PublicSupportCY509Pct | 0 | 0.98910 |
| IRS990ScheduleA/PublicSupportPY509Pct | 0 | 0.97310 |
| IRS990ScheduleA/PublicSupportTotal509Amt | 0 | 14363695 |
| IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind | 0 | X |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt | 0 | 5058774 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt | 0 | 4169768 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 2363474 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 1502441 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 1269238 |
| IRS990ScheduleA/Total509Grp/TotalAmt | 0 | 14363695 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt | 0 | 5074741 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt | 0 | 4174799 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt | 0 | 2397332 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt | 0 | 1554886 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt | 0 | 1320183 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt | 0 | 14521941 |
| 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 |
| IRS990/ScheduleBRequiredInd | 0 | 1 |
| IRS990ScheduleD/AgentTrusteeEtcInd | 0 | 0 |
| IRS990ScheduleD/BeginningBalanceAmt | 0 | 314444 |
| IRS990ScheduleD/EndingBalanceAmt | 0 | 314444 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 121634 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 315477 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 437111 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 125122 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 2590915 |
| IRS990ScheduleD/ExplanationProvidedInd | 0 | X |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/InclEscrowCustodialAcctLiabInd | 0 | 1 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 6061 |
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Displayed year
2022 • Form 990Detailed filing. Detailed filing data is available for this year.