Civic Intelligence

Baltimore County Small Business Loan Fund Inc.

990 • Fiscal year 2020 • EIN 52-2010189

Jan 01, 2020 to Dec 31, 2020 • Filed on Feb 22, 2021

Organization ProfileN/A
400 Washington Avenue No 100Towson, MD 21204

(410) 887-8005

Siviq Scores

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

Liabilities / Assets

82nd percentile

0.53x

Higher debt load relative to assets than 82% of similar nonprofits.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2020

Liabilities / Revenue

99th percentile

20.49x

Higher debt load relative to revenue than 99% of similar nonprofits.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2020

Net Margin

77th percentile

24%

Higher net margin than 77% of similar nonprofits.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2020

Top Officer Pay

37th percentile

$0

Higher top officer pay than 37% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2020

Asset Growth

3rd percentile

-27%

Faster asset growth than 3% of similar nonprofits.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2019 to 2020

Revenue Growth

3rd percentile

-71%

Faster revenue growth than 3% of similar nonprofits.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets82nd percentile

Assets

Down

$1,818,341

Down $671,996 (-27%) from 2019

Net Assets

Up

$858,095

Up $11,328 (+1.3%) from 2019

Liabilities

Down

$960,246

Down $683,324 (-42%) from 2019

Revenue And Expenses
Liabilities / Revenue99th percentileNet Margin77th percentile

Revenue

Down

$46,864

Down $114,253 (-71%) from 2019

Expenses

Down

$35,536

Down $15,025 (-30%) from 2019

Net Income

Down

$11,328

Down $99,228 (-90%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth3rd percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$6.0M$4.0M$2.0M$0Assets 2014: $4,606,812Liabilities 2014: $3,956,559Net Assets 2014: $650,2532014Assets 2015: $4,172,168Liabilities 2015: $3,549,457Net Assets 2015: $622,7112015Assets 2016: $3,624,915Liabilities 2016: $2,959,301Net Assets 2016: $665,6142016Assets 2017: $3,110,335Liabilities 2017: $2,405,460Net Assets 2017: $704,8752017Assets 2018: $2,653,636Liabilities 2018: $1,917,425Net Assets 2018: $736,2112018Assets 2019: $2,490,337Liabilities 2019: $1,643,570Net Assets 2019: $846,7672019Assets 2020: $1,818,341Liabilities 2020: $960,246Net Assets 2020: $858,0952020Assets 2021: $1,722,170Liabilities 2021: $858,882Net Assets 2021: $863,2882021Assets 2022: $1,636,111Liabilities 2022: $769,102Net Assets 2022: $867,0092022Assets 2023: $1,549,274Liabilities 2023: $679,966Net Assets 2023: $869,3082023Assets 2024: $1,508,535Liabilities 2024: $637,527Net Assets 2024: $871,0082024

Highlighted filing

2020

Assets$1,818,341
Liabilities$960,246
Net Assets$858,095
Open 2020 Filing

Operations Trend

Revenue Growth3rd percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$200K$100K$0-$100KRevenue 2014: $132,207Expenses 2014: $76,713Net Income 2014: $55,4942014Revenue 2015: $159,755Expenses 2015: $187,297Net Income 2015: -$27,5422015Revenue 2016: $128,453Expenses 2016: $85,550Net Income 2016: $42,9032016Revenue 2017: $114,896Expenses 2017: $75,635Net Income 2017: $39,2612017Revenue 2018: $90,635Expenses 2018: $59,299Net Income 2018: $31,3362018Revenue 2019: $161,117Expenses 2019: $50,561Net Income 2019: $110,5562019Revenue 2020: $46,864Expenses 2020: $35,536Net Income 2020: $11,3282020Revenue 2021: $35,914Expenses 2021: $30,721Net Income 2021: $5,1932021Revenue 2022: $30,708Expenses 2022: $26,987Net Income 2022: $3,7212022Revenue 2023: $25,345Expenses 2023: $23,046Net Income 2023: $2,2992023Revenue 2024: $23,386Expenses 2024: $21,686Net Income 2024: $1,7002024

Highlighted filing

2020

Revenue$46,864
Expenses$35,536
Net Income$11,328
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Feb 22, 2021
Return Version
2020v4.0
Gross Receipts
$46,864
Mission and Program Overview

Mission

Our mission is to help existing and future small businesses expand in baltimore county, reducing the unemployment rate and increasing the tax base.

Our mission is to help existing and future small businesses expand in Baltimore County.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,639,820$955,100▼ $684,720
Cash and Non-Interest-Bearing Accounts$844,669$856,677▲ $12,008
Total Assets$2,490,337$1,818,341▼ $671,996
Other Assets Total$5,848$6,564▲ $716
Liabilities
Mortgage Notes Payable Secured by Investment Property$1,639,820$955,100▼ $684,720
Accounts Payable and Accrued Expenses$3,750$5,146▲ $1,396
Total Liabilities$1,643,570$960,246▼ $683,324
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$846,767$858,095▲ $11,328
Total Net Assets Fund Balance$846,767$858,095▲ $11,328
Total Liabilities and Net Assets / Fund Balance$2,490,337$1,818,341▼ $671,996
Compensation and Service Providers
Top Officer Pay37th percentile

Board Members and Trustees

NameTitle
Leonard J Howie IIIPresident
Aron NodarDirector
Brad RodierDirector
Burke BowersDirector
Carrie SchriberDirector
Chris HoltDirector
David HargadonDirector
Derek DuBoisDirector
Don HoytDirector
Hugh RobinsonDirector
James BosleyDirector
Kevin BensonDirector
Matt MullenDirector
Neil BrownawellDirector
Rod MorrisonDirector
Sam DipaolaDirector
Sarah McMahonDirector
Seson TaylorDirector
Stan ArnoldDirector
Tim DaleyDirector
Tom HodginsDirector
Trent NewmanDirector
Stanley JacobsTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$46,864
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$11,328
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$35,536
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$32,869--$32,869
Fees for Services Accounting-$2,250-$2,250
Fees for Services Other-$417-$417
Total Functional Expenses$32,869$2,667$0$35,536
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
Yes
Audit committee
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, line 6

“A member is a federal or state chartered financial institution licensed to do business in Maryland that provides funds and is admitted to membership pursuant to the Bylaws. The vote of a member is cast by an authorized representative designated by the member.”

Form 990, Part VI, Section A, line 7A

“The members elect the board of directors.”

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

“The organization provides Form 990 to the board of directors before filing it.”

Form 990, Part VI, Section C, line 19

“The organization makes its governing documents and financial statements available upon request.”

Filing and Contact Details

Filer

Filer Name
Baltimore County Small Business
EIN
52-2010189
Phone
4108878005
Address
400 Washington Avenue No 100, Towson, MD 21204

Signing Officer

Name
Stanley H Jacobs
Title
Chief Financial Officer
Phone
4108878005
Signed
2021-02-22
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Leonard J Howie III
Formed
1996
Legal Domicile
Md
Voting Board Members
21
Independent Board Members
21
Employees
0
Volunteers
23

Preparer

Firm
Rowles & Company LLP
Address
8100 Sandpiper Cir Ste 308, Baltimore, MD 21236
Preparer
Joseph A Musumeci Jr
Phone
4437255395
Raw XML AppendixShowing 400 of 433 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/PersonNm20Tim Daley
IRS990/Form990PartVIISectionAGrp/PersonNm21Leonard J Howie III
IRS990/Form990PartVIISectionAGrp/PersonNm22Stanley Jacobs
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IRS990/OtherAssetsTotalGrp/BOYAmt05848
IRS990/OtherAssetsTotalGrp/EOYAmt06564
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt01639820
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0955100
IRS990/PartialLiquidationInd00
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0Leonard J Howie III
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0Interest on loans
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt046864
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt046864
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt00
IRS990/PYOtherExpensesAmt050561
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0161117
IRS990/PYRevenuesLessExpensesAmt0110556
IRS990/PYSalariesCompEmpBnftPaidAmt00
IRS990/PYTotalExpensesAmt050561
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0161117
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt011328
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt046864
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt046864
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt075617
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt090635
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt0114896
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt0128453
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt0456465
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct01.00000
IRS990ScheduleA/PublicSupportPY509Pct01.00000
IRS990ScheduleA/PublicSupportTotal509Amt0456465
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt00
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt046864
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt075617
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt090635
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt0114896
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0128453
IRS990ScheduleA/Total509Grp/TotalAmt0456465
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt046864
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt075617
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt090635
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt0114896
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt0128453
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0456465
IRS990/ScheduleBRequiredInd00
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0A member is a federal or state chartered financial institution licensed to do business in Maryland that provides funds and is admitted to membership pursuant to the Bylaws. The vote of a member is cast by an authorized representative designated by the member.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The members elect the board of directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The organization provides Form 990 to the board of directors before filing it.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The organization makes its governing documents and financial statements available upon request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section C, line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt02490337
IRS990/TotalAssetsEOYAmt01818341
IRS990/TotalAssetsGrp/BOYAmt02490337
IRS990/TotalAssetsGrp/EOYAmt01818341
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt02667
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt032869
IRS990/TotalFunctionalExpensesGrp/TotalAmt035536
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt01643570
IRS990/TotalLiabilitiesEOYAmt0960246
IRS990/TotalLiabilitiesGrp/BOYAmt01643570
IRS990/TotalLiabilitiesGrp/EOYAmt0960246
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0846767
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0858095
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt032869
IRS990/TotalProgramServiceRevenueAmt046864
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt046864
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt046864
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt023
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt02490337
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01818341
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0400 Washington Avenue Ste 100
IRS990/USAddress/CityNm0Towson
IRS990/USAddress/StateAbbreviationCd0MD
IRS990/USAddress/ZIPCd021204
IRS990/VotingMembersGoverningBodyCnt021
IRS990/VotingMembersIndependentCnt021
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd00
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$1,818,341
Liabilities
$960,246
Net assets
$858,095
Revenue
$46,864
Expenses
$35,536
Net income
$11,328
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.51$0.64$0.87$0.02$0.02$0.00
2023Detailed filing. Detailed filing data is available for this year.$1.55$0.68$0.87$0.03$0.02$0.00
2022Detailed filing. Detailed filing data is available for this year.$1.64$0.77$0.87$0.03$0.03$0.00
2021Detailed filing. Detailed filing data is available for this year.$1.72$0.86$0.86$0.04$0.03$0.01
2020Detailed filing. Detailed filing data is available for this year.$1.82$0.96$0.86$0.05$0.04$0.01
2019Summary only. Only limited summary data is available for this year.$2.49$1.64$0.85$0.16$0.05$0.11
2018Summary only. Only limited summary data is available for this year.$2.65$1.92$0.74$0.09$0.06$0.03
2017Summary only. Only limited summary data is available for this year.$3.11$2.41$0.70$0.11$0.08$0.04
2016Summary only. Only limited summary data is available for this year.$3.62$2.96$0.67$0.13$0.09$0.04
2015Summary only. Only limited summary data is available for this year.$4.17$3.55$0.62$0.16$0.19$0.03
2014Summary only. Only limited summary data is available for this year.$4.61$3.96$0.65$0.13$0.08$0.06