Civic Intelligence

Baltimore County Small Business Loan Fund Inc.

990 • Fiscal year 2021 • EIN 52-2010189

Jan 01, 2021 to Dec 31, 2021 • Filed on Feb 23, 2022

Organization ProfileN/A
400 Washington Avenue 100Towson, MD 21204

(410) 887-8005

Siviq Scores

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

Liabilities / Assets

84th percentile

0.50x

Higher debt load relative to assets than 84% of similar nonprofits.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2021

Liabilities / Revenue

99th percentile

23.91x

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

2021 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2021

Net Margin

53rd percentile

14%

Higher net margin than 53% of similar nonprofits.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2021

Top Officer Pay

39th percentile

$0

Higher top officer pay than 39% of similar nonprofits.

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

2021 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2021

Asset Growth

13th percentile

-5.3%

Faster asset growth than 13% of similar nonprofits.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2020 to 2021

Revenue Growth

12th percentile

-23%

Faster revenue growth than 12% of similar nonprofits.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets84th percentile

Assets

Down

$1,722,170

Down $96,171 (-5.3%) from 2020

Net Assets

Up

$863,288

Up $5,193 (+0.6%) from 2020

Liabilities

Down

$858,882

Down $101,364 (-11%) from 2020

Revenue And Expenses
Liabilities / Revenue99th percentileNet Margin53rd percentile

Revenue

Down

$35,914

Down $10,950 (-23%) from 2020

Expenses

Down

$30,721

Down $4,815 (-14%) from 2020

Net Income

Down

$5,193

Down $6,135 (-54%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth13th 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

2021

Assets$1,722,170
Liabilities$858,882
Net Assets$863,288
Open 2021 Filing

Operations Trend

Revenue Growth12th 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

2021

Revenue$35,914
Expenses$30,721
Net Income$5,193
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Feb 23, 2022
Return Version
2021v4.1
Gross Receipts
$35,914
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
Cash and Non-Interest-Bearing Accounts$856,677$862,661▲ $5,984
Other Notes and Loans Receivable, Net$955,100$856,702▼ $98,398
Total Assets$1,818,341$1,722,170▼ $96,171
Other Assets Total$6,564$2,807▼ $3,757
Liabilities
Mortgage Notes Payable Secured by Investment Property$955,100$856,702▼ $98,398
Accounts Payable and Accrued Expenses$5,146$2,180▼ $2,966
Total Liabilities$960,246$858,882▼ $101,364
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$858,095$863,288▲ $5,193
Total Net Assets Fund Balance$858,095$863,288▲ $5,193
Total Liabilities and Net Assets / Fund Balance$1,818,341$1,722,170▼ $96,171
Compensation and Service Providers
Top Officer Pay39th percentile

Board Members and Trustees

NameTitle
Leonard J Howie IiiPresident
Brian TaylorDirector
Carrie SchriberDirector
Chris EvansDirector
David HargadonDirector
Derek DuboisDirector
Don HoytDirector
Ed GrantDirector
Fran BroccolinoDirector
Hugh RobinsonDirector
James BosleyDirector
Jason ForresterDirector
Matt WillDirector
Neil BrownawellDirector
Rod MorrisonDirector
Scott BrownDirector
Seson Taylor-campbellDirector
Stan ArnoldDirector
Stewart LeeDirector
Todd WarrenDirector
Trent NewmanDirector
Stanley JacobsTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$35,914
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$5,193
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$30,721
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$27,771--$27,771
Fees for Services Accounting-$2,250-$2,250
Fees for Services Other-$700-$700
Total Functional Expenses$27,771$2,950$0$30,721
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 100, TOWSON, MD 21204

Signing Officer

Name
Stanley H Jacobs
Title
Chief Financial Officer
Phone
4108878005
Signed
2022-02-23
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
20

Preparer

Firm
Yount Hyde & Barbour Pc
Address
8100 SANDPIPER CIR STE 308, BALTIMORE, MD 21236
Preparer
Joseph a Musumeci Jr
Phone
4437255395
Raw XML AppendixShowing 400 of 426 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/TitleTxt17DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt18DIRECTOR
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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.
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION C, LINE 19
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Document Assets

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Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,722,170
Liabilities
$858,882
Net assets
$863,288
Revenue
$35,914
Expenses
$30,721
Net income
$5,193
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