Civic Intelligence

Georgia Small Business Lender Inc

EIN 58-1525512 • 501(c)3 • Macon, GA

Profile

The purpose of the Georgia Small Business Lenders is to encourage growth and development in the middle Georgia area by providing loans to small businesses.

175-c Emery HighwayMacon, GA 31217

www.gsbl.org

Siviq Scores

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

Liabilities / Assets

60th percentile

0.05x

Higher debt load relative to assets than 60% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Source year 2017

Liabilities / Revenue

78th percentile

0.21x

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

501(c)3 • $500k-$1M nonprofits • Source year 2017

Net Margin

45th percentile

2.2%

Higher net margin than 45% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Source year 2017

Top Officer Pay

55th percentile

$0

Higher top officer pay than 55% of similar nonprofits.

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

501(c)3 • $500k-$1M nonprofits • Source year 2017

Asset Growth

13th percentile

-23%

Faster asset growth than 13% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Annualized from 2016 to 2017

Revenue Growth

56th percentile

10%

Faster revenue growth than 56% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets60th percentile

Assets

Down

$766,878

Down $229,832 (-23%) from 2016

Liabilities

Down

$35,008

Down $233,466 (-87%) from 2016

Net Assets

Up

$731,870

Up $3,634 (+0.5%) from 2016

Operations
Liabilities / Revenue78th percentileNet Margin45th percentile

Revenue

Up

$168,675

Up $15,976 (+10%) from 2016

Expenses

Up

$165,041

Up $39,866 (+32%) from 2016

Net Income

Down

$3,634

Down $23,890 (-87%) from 2016

Trend Graphs

Balance Sheet Trend

Asset Growth13th percentile

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

$1.5M$1.0M$500K$0-$500KAssets 2010: $931,834Liabilities 2010: $968,601Net Assets 2010: -$36,7672010Assets 2011: $948,249Liabilities 2011: $1,086,956Net Assets 2011: -$138,7072011Assets 2012: $934,045Liabilities 2012: $1,121,353Net Assets 2012: -$187,3082012Assets 2013: $993,835Liabilities 2013: $362,628Net Assets 2013: $631,2072013Assets 2014: $1,043,768Liabilities 2014: $358,965Net Assets 2014: $684,8032014Assets 2015: $1,017,873Liabilities 2015: $317,161Net Assets 2015: $700,7122015Assets 2016: $996,710Liabilities 2016: $268,474Net Assets 2016: $728,2362016Assets 2017: $766,878Liabilities 2017: $35,008Net Assets 2017: $731,8702017

Highlighted filing

2017

Assets$766,878
Liabilities$35,008
Net Assets$731,870
Open 2017 Filing

Operations Trend

Revenue Growth56th percentile

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

$1.0M$500K$0-$500KRevenue 2010: $122,137Expenses 2010: $243,535Net Income 2010: -$121,3982010Revenue 2011: $157,999Expenses 2011: $259,939Net Income 2011: -$101,9402011Expenses 2012: $225,8962012Revenue 2013: $948,263Expenses 2013: $129,748Net Income 2013: $818,5152013Revenue 2014: $240,837Expenses 2014: $187,241Net Income 2014: $53,5962014Revenue 2015: $173,893Expenses 2015: $157,984Net Income 2015: $15,9092015Revenue 2016: $152,699Expenses 2016: $125,175Net Income 2016: $27,5242016Revenue 2017: $168,675Expenses 2017: $165,041Net Income 2017: $3,6342017

Highlighted filing

2017

Revenue$168,675
Expenses$165,041
Net Income$3,634
Open 2017 Filing

Filings

Most recent year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$766,878
Liabilities
$35,008
Net assets
$731,870
Revenue
$168,675
Expenses
$165,041
Net income
$3,634
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017Detailed filing. Detailed filing data is available for this year.$0.77$0.04$0.73$0.17$0.17$0.00
2016Summary only. Only limited summary data is available for this year.$1.00$0.27$0.73$0.15$0.13$0.03
2015Detailed filing. Detailed filing data is available for this year.$1.02$0.32$0.70$0.17$0.16$0.02
2014Detailed filing. Detailed filing data is available for this year.$1.04$0.36$0.68$0.24$0.19$0.05
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.99$0.36$0.63$0.95$0.13$0.82
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.93$1.12$0.19$0.23
2011Summary only. Only limited summary data is available for this year.$0.95$1.09$0.14$0.16$0.26$0.10
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.93$0.97$0.04$0.12$0.24$0.12
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2016 to Jun 30, 2017
Signed
May 13, 2018
Return Version
2016v3.1
Gross Receipts
$168,675
Mission and Program Overview

Mission

The purpose of the Georgia Small Business Lenders is to encourage growth and development in the middle Georgia area by providing loans to small businesses.

The purpose of the georgia small business lender is to encourage growth and development in the middle georgia area by providing loans to small businesses.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$508,650$521,661▲ $13,011
Cash and Non-Interest-Bearing Accounts$487,735$245,217▼ $242,518
Prepaid Expenses and Deferred Charges$325--
Total Assets$996,710$766,878▼ $229,832
Liabilities
Mortgage Notes Payable Secured by Investment Property$239,257--
Accounts Payable and Accrued Expenses$6,447$26,977▲ $20,530
Other Liabilities$22,770$5,478▼ $17,292
Deferred Revenue-$2,553-
Total Liabilities$268,474$35,008▼ $233,466
Net Assets / Fund Balance
Unrestricted Net Assets$3,057$731,870▲ $728,813
Temporarily Rstr Net Assets$725,179--
Total Net Assets Fund Balance$728,236$731,870▲ $3,634
Total Liabilities and Net Assets / Fund Balance$996,710$766,878▼ $229,832
Compensation and Service Providers
Top Officer Pay55th percentile

Board Members and Trustees

NameTitle
William L BrownPresident
Amy OrrDirector
Bob HarrisDirector
Bob SingleyDirector
David DyerDirector
Duncan CriscoeDirector
James SolomanDirector
Jerome CollinsDirector
Jimmy FairclothDirector
Lee JonesDirector
Scott FislerDirector
Steve DavisDirector
Wanzina JacksonDirector
William HumphriesDirector
Laura MathisOfficer
Thad Childs JrSecretary
S Craig RossVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$167,553
Investment Income
$1,122
Other Revenue
$0
Change in Net Assets
$3,634

Audited Revenue Reconciliation

Revenue per Audited Statements
$168,675
Total Revenue per Audited Statements
$168,675
Total Revenue per Form 990
$168,675
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$165,041
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
Fees for Services Legal$11,227$11,228-$22,455
Other Expenses$1,071$1,072-$2,143
Interest$791$791-$1,582
Total Functional Expenses$82,519$82,522$0$165,041

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$165,041
Total Expenses per Audited Statements$165,041
Total Expenses per Form 990$165,041
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
Due to Middle Georgia Regional Comm$5,478
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
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
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 11B

“The form 990 is reviewed by the finance department and the board before the filing.”

Form 990, Page 6, Part VI, Line 12C

“At the beginning of each board meeting, the board president reminds the directors of the conflict of interest policy. If there is a director present that has an actual or apparent conflict of interest with any loan that would be discussed, that director must declare such a conflict prior to the discussion of that particular loan or loans. That director should leave the room for the duration of the discussion and vote pertaining to the loan. That director may not vote on any action concerning the loan.”

Form 990, Page 6, Part VI, Line 19

“Documents are avilable upon request.”

Filing and Contact Details

Filer

Filer Name
Georgia Small Business Lender Inc
EIN
58-1525512
Phone
4787516160
Address
175-C EMERY HIGHWAY, MACON, GA 31217

Signing Officer

Name
Laura Mathis
Title
Officer
Phone
4787516160
Signed
2018-05-13

Organization Details

Principal Officer
William L Brown
Voting Board Members
16
Independent Board Members
16
Employees
0

Preparer

Firm
Mcnair Mclemore Middlebrooks & Co LLC
Address
POST OFFICE BOX ONE, MACON, GA 31202-0001
Preparer
Teresa F Behrman
Phone
4787466277
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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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IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt02674
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt02366
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE FORM 990 IS REVIEWED BY THE FINANCE DEPARTMENT AND THE BOARD BEFORE THE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1AT THE BEGINNING OF EACH BOARD MEETING, THE BOARD PRESIDENT REMINDS THE DIRECTORS OF THE CONFLICT OF INTEREST POLICY. IF THERE IS A DIRECTOR PRESENT THAT HAS AN ACTUAL OR APPARENT CONFLICT OF INTEREST WITH ANY LOAN THAT WOULD BE DISCUSSED, THAT DIRECTOR MUST DECLARE SUCH A CONFLICT PRIOR TO THE DISCUSSION OF THAT PARTICULAR LOAN OR LOANS. THAT DIRECTOR SHOULD LEAVE THE ROOM FOR THE DURATION OF THE DISCUSSION AND VOTE PERTAINING TO THE LOAN. THAT DIRECTOR MAY NOT VOTE ON ANY ACTION CONCERNING THE LOAN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DOCUMENTS ARE AVILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt082519
IRS990/TotalFunctionalExpensesGrp/TotalAmt0165041
IRS990/TotalGrossUBIAmt00
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IRS990/TotalLiabilitiesGrp/EOYAmt035008
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IRS990/TotalProgramServiceExpensesAmt082519
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IRS990/TotalRevenueGrp/ExclusionAmt01122
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0167553
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0168675
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IRS990/UnrestrictedNetAssetsGrp/EOYAmt0731870
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0175-C EMERY HIGHWAY
IRS990/USAddress/CityNm0MACON
IRS990/USAddress/StateAbbreviationCd0GA
IRS990/USAddress/ZIPCd031217
IRS990/VotingMembersGoverningBodyCnt016
IRS990/VotingMembersIndependentCnt016
IRS990/WebsiteAddressTxt0WWW.GSBL.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/PersonNm0LAURA MATHIS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0OFFICER
ReturnHeader/BusinessOfficerGrp/PhoneNum04787516160
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-05-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0GEORGIA SMALL BUSINESS LENDER INC
ReturnHeader/Filer/BusinessNameControlTxt0GEOR
ReturnHeader/Filer/EIN0581525512
ReturnHeader/Filer/PhoneNum04787516160
ReturnHeader/Filer/USAddress/AddressLine1Txt0175-C EMERY HIGHWAY
ReturnHeader/Filer/USAddress/CityNm0MACON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0GA
ReturnHeader/Filer/USAddress/ZIPCd031217
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId025F9B7C04C37FA469521EEC6F4E14D36AC5D002A
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId09B14A83DB418B4BB4CACEA99651FDC07D7CF6384
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0581094351
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0MCNAIR MCLEMORE MIDDLEBROOKS & CO LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0POST OFFICE BOX ONE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MACON
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0GA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0312020001
ReturnHeader/PreparerPersonGrp/PhoneNum04787466277
ReturnHeader/PreparerPersonGrp/PreparationDt02018-05-14
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0TERESA F BEHRMAN
ReturnHeader/ReturnTs02018-05-14T10:56:55-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-07-01
ReturnHeader/TaxPeriodEndDt02017-06-30
ReturnHeader/TaxYr02016

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