Civic Intelligence

Community Redevelopment Loan and Investment Fund Inc.

990 • Fiscal year 2016 • EIN 58-2435590

Jul 01, 2015 to Jun 30, 2016 • Filed on Oct 15, 2016

Organization Profilewww.andpi.org
229 PEACHTREE STREET ne Suite 705Atlanta, GA 30303

(404) 522-2637

Siviq Scores

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

Liabilities / Assets

76th percentile

0.44x

Higher debt load relative to assets than 76% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Liabilities / Revenue

93rd percentile

3.31x

Higher debt load relative to revenue than 93% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Net Margin

95th percentile

67%

Higher net margin than 95% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Top Officer Pay

93rd percentile

$259,625

Higher top officer pay than 93% of similar nonprofits.

Top officer pay equals 40.9% of source-year revenue.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Asset Growth

91st percentile

46%

Faster asset growth than 91% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Revenue Growth

95th percentile

130%

Faster revenue growth than 95% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets76th percentile

Assets

Up

$4,838,999

Up $1,520,836 (+46%) from 2015

Net Assets

Up

$2,733,066

Up $425,100 (+18%) from 2015

Liabilities

Up

$2,105,933

Up $1,095,736 (+108%) from 2015

Revenue And Expenses
Liabilities / Revenue93rd percentileNet Margin95th percentile

Revenue

Up

$635,486

Up $359,667 (+130%) from 2015

Expenses

Up

$210,386

Up $20,212 (+11%) from 2015

Net Income

Up

$425,100

Up $339,455 (+396%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth91st percentile

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

$60M$40M$20M$0Assets 2011: $3,833,624Liabilities 2011: $1,620,939Net Assets 2011: $2,212,6852011Assets 2012: $2,995,326Liabilities 2012: $1,523,484Net Assets 2012: $1,471,8422012Assets 2013: $3,002,835Liabilities 2013: $1,508,510Net Assets 2013: $1,494,3252013Assets 2014: $3,738,948Liabilities 2014: $1,516,627Net Assets 2014: $2,222,3212014Assets 2015: $3,318,163Liabilities 2015: $1,010,197Net Assets 2015: $2,307,9662015Assets 2016: $4,838,999Liabilities 2016: $2,105,933Net Assets 2016: $2,733,0662016Assets 2017: $6,716,576Liabilities 2017: $2,086,439Net Assets 2017: $4,630,1372017Assets 2018: $19,369,714Liabilities 2018: $14,221,018Net Assets 2018: $5,148,6962018Assets 2019: $19,874,006Liabilities 2019: $14,757,865Net Assets 2019: $5,116,1412019Assets 2020: $20,854,044Liabilities 2020: $15,483,117Net Assets 2020: $5,370,9272020Assets 2021: $23,949,574Liabilities 2021: $16,612,908Net Assets 2021: $7,336,6662021Assets 2022: $28,022,804Liabilities 2022: $17,481,090Net Assets 2022: $10,541,7142022Assets 2023: $35,792,391Liabilities 2023: $23,501,417Net Assets 2023: $12,290,9742023Assets 2024: $43,767,359Liabilities 2024: $27,645,232Net Assets 2024: $16,122,1272024Assets 2025: $33,053,042Liabilities 2025: $11,436,148Net Assets 2025: $21,616,8942025

Highlighted filing

2016

Assets$4,838,999
Liabilities$2,105,933
Net Assets$2,733,066
Open 2016 Filing

Operations Trend

Revenue Growth95th percentile

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

$10M$5.0M$0-$5.0MRevenue 2011: $443,638Expenses 2011: $2,629,658Net Income 2011: -$2,186,0202011Revenue 2012: $347,096Expenses 2012: $1,087,939Net Income 2012: -$740,8432012Expenses 2013: $387,9272013Revenue 2014: $900,347Expenses 2014: $172,351Net Income 2014: $727,9962014Revenue 2015: $275,819Expenses 2015: $190,174Net Income 2015: $85,6452015Revenue 2016: $635,486Expenses 2016: $210,386Net Income 2016: $425,1002016Revenue 2017: $2,255,769Expenses 2017: $358,698Net Income 2017: $1,897,0712017Revenue 2018: $883,474Expenses 2018: $364,915Net Income 2018: $518,5592018Revenue 2019: $446,709Expenses 2019: $479,264Net Income 2019: -$32,5552019Revenue 2020: $1,111,059Expenses 2020: $856,273Net Income 2020: $254,7862020Revenue 2021: $2,672,359Expenses 2021: $706,620Net Income 2021: $1,965,7392021Revenue 2022: $3,977,537Expenses 2022: $772,489Net Income 2022: $3,205,0482022Revenue 2023: $2,631,431Expenses 2023: $882,171Net Income 2023: $1,749,2602023Revenue 2024: $5,085,136Expenses 2024: $1,253,983Net Income 2024: $3,831,1532024Revenue 2025: $7,055,649Expenses 2025: $1,560,882Net Income 2025: $5,494,7672025

Highlighted filing

2016

Revenue$635,486
Expenses$210,386
Net Income$425,100
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2015 to Jun 30, 2016
Signed
Oct 15, 2016
Return Version
2015v3.0
Gross Receipts
$635,486
Mission and Program Overview

Mission

Develops, finances, and advocates for affordable housing at scale that promotes racial equity and healthy communities where families thrive.

Lending to builders of affordable and mixed income housing communities in metro atlanta.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$1,641,742$2,460,882▲ $819,140
Other Notes and Loans Receivable, Net$1,617,005$2,311,314▲ $694,309
Accounts Receivable$2,708$30,300▲ $27,592
Pledges and Grants Receivable$30,000$0▼ $30,000
Cash and Non-Interest-Bearing Accounts$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Land, Buildings, and Equipment, Net$0--
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Prepaid Expenses and Deferred Charges$0$0→ $0
Total Assets$3,318,163$4,838,999▲ $1,520,836
Other Assets Total$26,708$36,503▲ $9,795
Liabilities
Mortgage Notes Payable Secured by Investment Property$1,000,000$2,075,000▲ $1,075,000
Accounts Payable and Accrued Expenses$10,197$30,933▲ $20,736
Grants Payable$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Other Liabilities$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$1,010,197$2,105,933▲ $1,095,736
Net Assets / Fund Balance
Unrestricted Net Assets$2,307,966$2,733,066▲ $425,100
Permanently Rstr Net Assets$0$0→ $0
Temporarily Rstr Net Assets$0$0→ $0
Total Net Assets Fund Balance$2,307,966$2,733,066▲ $425,100
Total Liabilities and Net Assets / Fund Balance$3,318,163$4,838,999▲ $1,520,836
Compensation and Service Providers
Top Officer Pay93rd percentile

Employees

NameTitleFull / Part TimeOtherTotal
susan adamsEmployeeFT$100,379$100,379

Board Members and Trustees

NameTitle
kenneth f woodsChairman
Stacy R Pattonvice-chairman
Tayani SumaVice President
JOHN O'CALLAGHANCEO/director
Alton P MyersDirector
Emory Morsbergerdirector
Garry Felder JrDirector
Greg AwadDirector
Kathryn M LawlerDirector
Laura KeenanDirector
Lynette BellDirector
Marc s pollackdirector
Sara Haasdirector
Wes McdowellDirector
cecilia perryDirector
chris pumphreydirector
kirby glazedirector
pamela d crossdirector
parissa salimiandirector
phoebe mayordirector
will chandlerdirector
Agnes CasimirCFO
Young T Hughley JrSecretary
David EllisTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$490,000
Program Service Revenue
$142,528
Investment Income
$2,958
Other Revenue
$0
All Other Contributions
$490,000
Change in Net Assets
$425,100
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$210,386
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
Other Expenses$81,550--$81,550
Fees for Services Other$62,850--$62,850
Fees for Services Accounting$22,000--$22,000
Interest$19,062--$19,062
Occupancy$5,440--$5,440
Insurance$892--$892
Office Expenses$553--$553
Total Functional Expenses$210,386$0$0$210,386
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

PART VI SECTION B #11

“Copies of the form 990 are presented to the executive committee for their review with the CFO.”

PART VI SECTION B #12C

“management provides employees and board members with a questionnaire regarding conflicts of interest. The questionnaire is updated annually.”

PART VI SECTION B #15A & #15B

“compensation for the ceo was initially established in 2006 as part of an extensive search process which utilized the services of an executive search firm specializing in non-profit placements. the firm advised the search committee on appropriate compensation ranges based on industry comparisons, in community lending, real estate development, policy research and implementation and non-profit management. annual adjustments are made independently by the executive committee with full board approval of ranges through the budgeting process. factors included in this independent determination include changes in associated industry norms, inflation, and performance against established objectives. compensation decisions for the other staff officer (CFO) follow a similar process. the executive committee and board approve an annual compensation range.”

PART VI SECTION C #19

“the organization makes its financial statements available to the public on its website and on another's website or upon request. Other governing and organizational documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
Community Redevelopment Loan and
EIN
58-2435590
In Care Of
% AGNES CASIMIR CFO
Phone
4045222637
Address
229 PEACHTREE STREET ne Suite 705, ATLANTA, GA 30303

Signing Officer

Name
Agnes Casimir
Title
CFO
Phone
4045222637
Signed
2016-10-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
john o'callaghan
Formed
1998
Legal Domicile
Ga
Voting Board Members
24
Independent Board Members
21
Employees
0

Preparer

Firm
Cohnreznick Llp
Address
3560 LENOX ROAD NE STE 2800, ATLANTA, GA 30326-4276
Preparer
Linda T Rowland CPA
Phone
4048479447
Supplemental Narrative

Additional Explanations

PART XI #2B

“This entity was audited as part of a consolidated audit for atlanta neighborhood development partnership, inc (andp). The consolidated financial statements included the accounts for andp, atlanta equity partners inc, andp misty amber senior housing inc, andp holdings inc, andp misty ruby inc, asset holdings inc, community redevelopment loan and investment fund inc, andp restoration llc, andp homes llc, andp delowe village llc, and andp providence parkway gp, llc.”

Form 990 Part IX Line 11G

“Description:consulting fees total fees:62850”

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Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$4,838,999
Liabilities
$2,105,933
Net assets
$2,733,066
Revenue
$635,486
Expenses
$210,386
Net income
$425,100
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$33.1$11.4$21.6$7.06$1.56$5.49
2024Detailed filing. Detailed filing data is available for this year.$43.8$27.6$16.1$5.09$1.25$3.83
2023Detailed filing. Detailed filing data is available for this year.$35.8$23.5$12.3$2.63$0.88$1.75
2022Detailed filing. Detailed filing data is available for this year.$28.0$17.5$10.5$3.98$0.77$3.21
2021Detailed filing. Detailed filing data is available for this year.$23.9$16.6$7.34$2.67$0.71$1.97
2020Detailed filing. Detailed filing data is available for this year.$20.9$15.5$5.37$1.11$0.86$0.25
2019Detailed filing. Detailed filing data is available for this year.$19.9$14.8$5.12$0.45$0.48$0.03
2018Detailed filing. Detailed filing data is available for this year.$19.4$14.2$5.15$0.88$0.36$0.52
2017Detailed filing. Detailed filing data is available for this year.$6.72$2.09$4.63$2.26$0.36$1.90
2016Detailed filing. Detailed filing data is available for this year.$4.84$2.11$2.73$0.64$0.21$0.43
2015Summary only. Only limited summary data is available for this year.$3.32$1.01$2.31$0.28$0.19$0.09
2014Detailed filing. Detailed filing data is available for this year.$3.74$1.52$2.22$0.90$0.17$0.73
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.00$1.51$1.49$0.39
2012Summary only. Only limited summary data is available for this year.$3.00$1.52$1.47$0.35$1.09$0.74
2011Summary only. Only limited summary data is available for this year.$3.83$1.62$2.21$0.44$2.63$2.19