Civic Intelligence

People Incorporated Financial Services Inc

EIN 54-1989160 • 501(c)3 • Abingdon, VA

Profile

To promote the economic self-sufficiency and a better quality of life for the citizens of the region through small business ownership, job creation, and asset development. In support of this goal, people incorporated financial services provides business and financial literacy training, individual technical assistance, and marketing services to entrepreneurs and others throughout the region.

1173 West Main StreetAbingdon, VA 24210

www.businesstart.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

78th percentile

0.46x

Higher debt load relative to assets than 78% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Liabilities / Revenue

90th percentile

1.84x

Higher debt load relative to revenue than 90% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Net Margin

25th percentile

-5.6%

Higher net margin than 25% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Top Officer Pay

73rd percentile

$195,311

Higher top officer pay than 73% of similar nonprofits.

Top officer pay equals 9.0% of source-year revenue.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Asset Growth

6th percentile

-21%

Faster asset growth than 6% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Revenue Growth

9th percentile

-32%

Faster revenue growth than 9% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets78th percentile

Assets

Down

$8,688,506

Down $2,366,692 (-21%) from 2023

Liabilities

Up

$4,001,916

Up $756,343 (+23%) from 2023

Net Assets

Down

$4,686,590

Down $3,123,035 (-40%) from 2023

Operations
Liabilities / Revenue90th percentileNet Margin25th percentile

Revenue

Down

$2,174,921

Down $1,014,235 (-32%) from 2023

Expenses

Down

$2,297,356

Down $551,357 (-19%) from 2023

Net Income

Down

-$122,435

Down $462,878 (-136%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth6th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$15M$10M$5.0M$0Assets 2011: $5,682,855Liabilities 2011: $1,004,150Net Assets 2011: $4,678,7052011Assets 2012: $7,109,516Liabilities 2012: $1,246,555Net Assets 2012: $5,862,9612012Assets 2013: $8,166,656Liabilities 2013: $1,309,834Net Assets 2013: $6,856,8222013Assets 2014: $8,756,447Liabilities 2014: $1,120,311Net Assets 2014: $7,636,1362014Assets 2015: $10,559,705Liabilities 2015: $1,701,704Net Assets 2015: $8,858,0012015Assets 2016: $7,356,727Liabilities 2016: $1,677,214Net Assets 2016: $5,679,5132016Assets 2017: $7,445,377Liabilities 2017: $1,451,412Net Assets 2017: $5,993,9652017Assets 2018: $8,130,113Liabilities 2018: $2,096,754Net Assets 2018: $6,033,3592018Assets 2019: $7,935,513Liabilities 2019: $1,830,350Net Assets 2019: $6,105,1632019Assets 2020: $8,772,148Liabilities 2020: $2,396,958Net Assets 2020: $6,375,1902020Assets 2021: $9,480,957Liabilities 2021: $2,522,491Net Assets 2021: $6,958,4662021Assets 2022: $9,830,118Liabilities 2022: $2,360,936Net Assets 2022: $7,469,1822022Assets 2023: $11,055,198Liabilities 2023: $3,245,573Net Assets 2023: $7,809,6252023Assets 2024: $8,688,506Liabilities 2024: $4,001,916Net Assets 2024: $4,686,5902024

Highlighted filing

2024

Assets$8,688,506
Liabilities$4,001,916
Net Assets$4,686,590
Open 2024 Filing

Operations Trend

Revenue Growth9th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$10M$5.0M$0-$5.0MExpenses 2011: $1,043,7872011Expenses 2012: $852,7352012Expenses 2013: $521,9902013Revenue 2014: $1,496,027Expenses 2014: $716,713Net Income 2014: $779,3142014Revenue 2015: $2,379,398Expenses 2015: $1,157,533Net Income 2015: $1,221,8652015Revenue 2016: $1,824,709Expenses 2016: $5,003,197Net Income 2016: -$3,178,4882016Revenue 2017: $1,971,077Expenses 2017: $1,656,625Net Income 2017: $314,4522017Revenue 2018: $3,441,153Expenses 2018: $3,401,759Net Income 2018: $39,3942018Revenue 2019: $1,662,856Expenses 2019: $1,591,052Net Income 2019: $71,8042019Revenue 2020: $2,329,666Expenses 2020: $2,059,639Net Income 2020: $270,0272020Revenue 2021: $2,723,664Expenses 2021: $2,140,388Net Income 2021: $583,2762021Revenue 2022: $4,663,057Expenses 2022: $4,152,341Net Income 2022: $510,7162022Revenue 2023: $3,189,156Expenses 2023: $2,848,713Net Income 2023: $340,4432023Revenue 2024: $2,174,921Expenses 2024: $2,297,356Net Income 2024: -$122,4352024

Highlighted filing

2024

Revenue$2,174,921
Expenses$2,297,356
Net Income-$122,435
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$8,688,506
Liabilities
$4,001,916
Net assets
$4,686,590
Revenue
$2,174,921
Expenses
$2,297,356
Net income
-$122,435
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$8.69$4.00$4.69$2.17$2.30$0.12
2023Detailed filing. Detailed filing data is available for this year.$11.1$3.25$7.81$3.19$2.85$0.34
2022Detailed filing. Detailed filing data is available for this year.$9.83$2.36$7.47$4.66$4.15$0.51
2021Detailed filing. Detailed filing data is available for this year.$9.48$2.52$6.96$2.72$2.14$0.58
2020Detailed filing. Detailed filing data is available for this year.$8.77$2.40$6.38$2.33$2.06$0.27
2019Detailed filing. Detailed filing data is available for this year.$7.94$1.83$6.11$1.66$1.59$0.07
2018Detailed filing. Detailed filing data is available for this year.$8.13$2.10$6.03$3.44$3.40$0.04
2017Detailed filing. Detailed filing data is available for this year.$7.45$1.45$5.99$1.97$1.66$0.31
2016Detailed filing. Detailed filing data is available for this year.$7.36$1.68$5.68$1.82$5.00$3.18
2015Detailed filing. Detailed filing data is available for this year.$10.6$1.70$8.86$2.38$1.16$1.22
2014Detailed filing. Detailed filing data is available for this year.$8.76$1.12$7.64$1.50$0.72$0.78
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.17$1.31$6.86$0.52
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.11$1.25$5.86$0.85
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.68$1.00$4.68$1.04
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2023 to Jun 30, 2024
Signed
May 9, 2025
Return Version
2023v6.0
Gross Receipts
$2,174,921
Mission and Program Overview

Mission

To promote the economic self-sufficiency and a better quality of life for the citizens of the region through small business ownership, job creation, and asset development. In support of this goal, people financial services provides business and financial literacy training, individual technical assistance, and marketing services to entrepreneurs and others throughout the region.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$5,564,927$5,294,688▼ $270,239
Savings and Temporary Cash Investments$1,465,612$2,458,919▲ $993,307
Cash and Non-Interest-Bearing Accounts$501,393$642,677▲ $141,284
Pledges and Grants Receivable$560,938$281,017▼ $279,921
Prepaid Expenses and Deferred Charges$11,308$0▼ $11,308
Investments Other Securities$12,170$11,205▼ $965
Total Assets$11,055,198$8,688,506▼ $2,366,692
Other Assets Total$2,938,850$0▼ $2,938,850
Liabilities
Mortgage Notes Payable Secured by Investment Property$3,072,656$2,722,345▼ $350,311
Other Liabilities$38,048$1,028,568▲ $990,520
Deferred Revenue$0$251,003▲ $251,003
Accounts Payable and Accrued Expenses$134,869$0▼ $134,869
Total Liabilities$3,245,573$4,001,916▲ $756,343
Net Assets / Fund Balance
Net Assets With Donor Restrictions$5,394,545$2,945,325▼ $2,449,220
Net Assets Without Donor Restrictions$2,415,080$1,741,265▼ $673,815
Total Net Assets Fund Balance$7,809,625$4,686,590▼ $3,123,035
Total Liabilities and Net Assets / Fund Balance$11,055,198$8,688,506▼ $2,366,692
Compensation and Service Providers
Top Officer Pay73rd percentile

Employees

NameTitleOtherTotal
Janet ShraderVice President/CFO (thru 05/24)$139,959$139,959

Board Members and Trustees

NameTitle
Charlotte MullinsChair
Bryan PhippsPresident/CEO
Billy TaylorVice-chair
Alice MeadeDirector
Chris ShortridgeDirector
Jan SelboDirector
Martin DixonDirector
Peggy KiserDirector
William ButlerDirector
David MccrackenSecretary
Shelia Combs TuggleTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$765,137
Program Service Revenue
$975,278
Investment Income
$387,294
Other Revenue
$47,212
All Other Contributions
$18,352
Change in Net Assets
$-122,435

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,174,921
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$2,174,921
Total Revenue per Form 990
$2,174,921
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,455,015
Salaries, Compensation, and Employee Benefits$842,341
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$587,056$43,604-$630,660
All Other Expenses$165,487$4,684-$170,171
Fees for Services Accounting$147,900$19,159-$167,059
Other Employee Benefits$139,804$10,385-$150,189
Occupancy$63,045$12,372-$75,417
Information Technology$70,969--$70,969
Fees for Services Other$57,960--$57,960
Payroll Taxes$46,601$3,461-$50,062
Interest$46,351$3,443-$49,794
Other Expenses$19,104$1,419-$20,523
Advertising$19,323--$19,323
Travel$11,077$2,778-$13,855
Pension Plan Contributions$10,640$790-$11,430
Conferences and Meetings$10,722--$10,722
Insurance$5,822$432-$6,254
Office Expenses$3,091--$3,091
Fees for Services Legal-$1,825-$1,825
Total Functional Expenses$2,193,004$104,352$0$2,297,356

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,297,356
Total Expenses per Audited Statements$2,297,356
Total Expenses per Form 990$2,297,356
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Related Party Payable$1,028,568
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
No
Other officer compensation reviewed
No
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

“The ceo and cfo review the form 990 with the finance committee. The finance committee then recommends to the full board for approval before filing.”

Form 990, Part VI, Section B, Line 12C

“Any apparent or real conflicts of interest must be disclosed to the ceo. The ceo has an obligation to disclose any real and apparent conflicts of interest to the board of directors. The executive committee is responsible for making decisions concerning resolutions of conflicts involving directors, the ceo, and other members of senior management. The chair of the committee is responsible for making all decisions concerning resolutions of conflicts involving committee members. The chair of the board is responsible for making all decisions concerning resolutions of conflict involving the chair of the committee. The ceo is responsible for making all decisions concerning resolutions of a conflict involving employees below senior management level, subject to the approval of the committee.”

Form 990, Part VI, Section C, Line 19

“The organization makes its governing documents, conflict of interest policy, and financial statements available to the public upon request.”

FORM 990, PART VI, SECTION B, LINE 16A:

“Pifs is the community development entity (cde) for participation in joint ventures for the new market tax credit program.”

Filing and Contact Details

Filer

Filer Name
People Incorporated Financial
EIN
54-1989160
Phone
2766239000
Address
1173 WEST MAIN STREET, ABINGDON, VA 24210

Signing Officer

Name
Bryan Phipps
Title
CEO
Phone
2766239000
Signed
2025-05-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Bryan Phipps
Formed
2000
Legal Domicile
Va
Voting Board Members
10
Independent Board Members
10
Employees
0
Volunteers
10

Preparer

Firm
Wipfli Llp
Address
2501 W BELTLINE HWY STE 501, MADISON, WI 53713
Preparer
Quinn Dugan
Phone
6082741980
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Change in accounting standard 395,980.”

FORM 990, PART XII, LINE 2C:

“There were no changes made from prior year.”

Financial Statement Notes

PART X, LINE 2:

“Pifs is required to assess whether it is more likely than not that the tax position will be sustained upon examination on the technical merits of the position assuming the taxing authority has full knowledge of all information. If the tax position does not meet the more likely than not recognition threshold, the benefit of that position is not recognized in the financial statements. Pifs has determined there are no amounts to record as assets or liabilities related to uncertain tax positions.”

Raw XML AppendixShowing 400 of 535 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.

Path#Value
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IRS990/Form990PartVIISectionAGrp/PersonNm1BILLY TAYLOR
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IRS990/Form990PartVIISectionAGrp/PersonNm3DAVID MCCRACKEN
IRS990/Form990PartVIISectionAGrp/PersonNm4WILLIAM BUTLER
IRS990/Form990PartVIISectionAGrp/PersonNm5MARTIN DIXON
IRS990/Form990PartVIISectionAGrp/PersonNm6PEGGY KISER
IRS990/Form990PartVIISectionAGrp/PersonNm7ALICE MEADE
IRS990/Form990PartVIISectionAGrp/PersonNm8JAN SELBO
IRS990/Form990PartVIISectionAGrp/PersonNm9CHRIS SHORTRIDGE
IRS990/Form990PartVIISectionAGrp/PersonNm10BRYAN PHIPPS
IRS990/Form990PartVIISectionAGrp/PersonNm11JANET SHRADER
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10191482
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt11123360
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE-CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11VICE PRESIDENT/CFO (THRU 05/24)
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr02000
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GovernmentGrantsAmt0746785
IRS990/GrantAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt02174921
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt010
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/ProgramServicesAmt070969
IRS990/InformationTechnologyGrp/TotalAmt070969
IRS990/InsuranceGrp/ManagementAndGeneralAmt0432
IRS990/InsuranceGrp/ProgramServicesAmt05822
IRS990/InsuranceGrp/TotalAmt06254
IRS990/InterestGrp/ManagementAndGeneralAmt03443
IRS990/InterestGrp/ProgramServicesAmt046351
IRS990/InterestGrp/TotalAmt049794
IRS990/InvestmentIncomeGrp/ExclusionAmt0387294
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0387294
IRS990/InvestmentInJointVentureInd01
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt012170
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt011205
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LegalDomicileStateCd0VA
IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/ExclusionAmt047212
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt047212
IRS990/MissionDesc0TO PROMOTE THE ECONOMIC SELF-SUFFICIENCY AND A BETTER QUALITY OF LIFE FOR THE CITIZENS OF THE REGION THROUGH SMALL BUSINESS OWNERSHIP, JOB CREATION, AND ASSET DEVELOPMENT. IN SUPPORT OF THIS GOAL, PEOPLE FINANCIAL SERVICES PROVIDES BUSINESS AND FINANCIAL LITERACY TRAINING, INDIVIDUAL TECHNICAL ASSISTANCE, AND MARKETING SERVICES TO ENTREPRENEURS AND OTHERS THROUGHOUT THE REGION.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt03072656
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt02722345
IRS990/NetAssetsOrFundBalancesBOYAmt07809625
IRS990/NetAssetsOrFundBalancesEOYAmt04686590
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt02415080
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt01741265
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ManagementAndGeneralAmt012372
IRS990/OccupancyGrp/ProgramServicesAmt063045
IRS990/OccupancyGrp/TotalAmt075417
IRS990/OfficeExpensesGrp/ProgramServicesAmt03091
IRS990/OfficeExpensesGrp/TotalAmt03091
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02938850
IRS990/OtherAssetsTotalGrp/EOYAmt00
IRS990/OtherChangesInNetAssetsAmt0395980
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt010385
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0139804
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0150189
IRS990/OtherExpensesGrp/Desc0BAD DEBT EXPENSE
IRS990/OtherExpensesGrp/Desc1REPAIRS & MAINTENANCE
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt01419
IRS990/OtherExpensesGrp/ProgramServicesAmt0788052
IRS990/OtherExpensesGrp/ProgramServicesAmt119104
IRS990/OtherExpensesGrp/TotalAmt0788052
IRS990/OtherExpensesGrp/TotalAmt120523
IRS990/OtherLiabilitiesGrp/BOYAmt038048
IRS990/OtherLiabilitiesGrp/EOYAmt01028568
IRS990/OtherRevenueTotalAmt047212
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt043604
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0587056
IRS990/OtherSalariesAndWagesGrp/TotalAmt0630660
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt05564927
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt05294688
IRS990/OwnWebsiteInd0X
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt03461
IRS990/PayrollTaxesGrp/ProgramServicesAmt046601
IRS990/PayrollTaxesGrp/TotalAmt050062
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt0790
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt010640
IRS990/PensionPlanContributionsGrp/TotalAmt011430
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt0560938
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt0281017
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt011308
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0BRYAN PHIPPS
IRS990/PriorPeriodAdjustmentsAmt0-3396580
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0624200
IRS990/ProgramServiceRevenueGrp/Desc0HOUSING CLOSING FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0975278
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0975278
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt01643806
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0303042
IRS990/PYOtherExpensesAmt02105821
IRS990/PYOtherRevenueAmt022775
IRS990/PYProgramServiceRevenueAmt01219533
IRS990/PYRevenuesLessExpensesAmt0340443
IRS990/PYSalariesCompEmpBnftPaidAmt0742892
IRS990/PYTotalExpensesAmt02848713
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03189156
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0-122435
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0975278
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01465612
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02458919
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0765137
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt01643806
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt04468650
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt02530460
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt02176128
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt011584181
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt0387294
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt0303042
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt0194407
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt0193204
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt0153538
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt01231485
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt02217586
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.90390
IRS990ScheduleA/PublicSupportPY170Pct00.92370
IRS990ScheduleA/PublicSupportTotal170Amt011584181
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0765137
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt01643806
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt04468650
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt02530460
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt02176128
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt011584181
IRS990ScheduleA/TotalSupportAmt012815666
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd01
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt02297356
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt01028568
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0RELATED PARTY PAYABLE
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt02174921
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0PIFS IS REQUIRED TO ASSESS WHETHER IT IS MORE LIKELY THAN NOT THAT THE TAX POSITION WILL BE SUSTAINED UPON EXAMINATION ON THE TECHNICAL MERITS OF THE POSITION ASSUMING THE TAXING AUTHORITY HAS FULL KNOWLEDGE OF ALL INFORMATION. IF THE TAX POSITION DOES NOT MEET THE MORE LIKELY THAN NOT RECOGNITION THRESHOLD, THE BENEFIT OF THAT POSITION IS NOT RECOGNIZED IN THE FINANCIAL STATEMENTS. PIFS HAS DETERMINED THERE ARE NO AMOUNTS TO RECORD AS ASSETS OR LIABILITIES RELATED TO UNCERTAIN TAX POSITIONS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalExpensesPerForm990Amt02297356
IRS990ScheduleD/TotalLiabilityAmt01028568
IRS990ScheduleD/TotalRevenuePerForm990Amt02174921
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt02174921
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt02297356
IRS990ScheduleJ/AnyNonFixedPaymentsInd00
IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd00
IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd00
IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd00
IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd00
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/InitialContractExceptionInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt0176443
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt03829
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt015039
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0BRYAN PHIPPS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt0195311
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CEO AND CFO REVIEW THE FORM 990 WITH THE FINANCE COMMITTEE. THE FINANCE COMMITTEE THEN RECOMMENDS TO THE FULL BOARD FOR APPROVAL BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ANY APPARENT OR REAL CONFLICTS OF INTEREST MUST BE DISCLOSED TO THE CEO. THE CEO HAS AN OBLIGATION TO DISCLOSE ANY REAL AND APPARENT CONFLICTS OF INTEREST TO THE BOARD OF DIRECTORS. THE EXECUTIVE COMMITTEE IS RESPONSIBLE FOR MAKING DECISIONS CONCERNING RESOLUTIONS OF CONFLICTS INVOLVING DIRECTORS, THE CEO, AND OTHER MEMBERS OF SENIOR MANAGEMENT. THE CHAIR OF THE COMMITTEE IS RESPONSIBLE FOR MAKING ALL DECISIONS CONCERNING RESOLUTIONS OF CONFLICTS INVOLVING COMMITTEE MEMBERS. THE CHAIR OF THE BOARD IS RESPONSIBLE FOR MAKING ALL DECISIONS CONCERNING RESOLUTIONS OF CONFLICT INVOLVING THE CHAIR OF THE COMMITTEE. THE CEO IS RESPONSIBLE FOR MAKING ALL DECISIONS CONCERNING RESOLUTIONS OF A CONFLICT INVOLVING EMPLOYEES BELOW SENIOR MANAGEMENT LEVEL, SUBJECT TO THE APPROVAL OF THE COMMITTEE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CHANGE IN ACCOUNTING STANDARD 395,980.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THERE WERE NO CHANGES MADE FROM PRIOR YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5PIFS IS THE COMMUNITY DEVELOPMENT ENTITY (CDE) FOR PARTICIPATION IN JOINT VENTURES FOR THE NEW MARKET TAX CREDIT PROGRAM.

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