Liabilities / Assets
68th percentile
Higher debt load relative to assets than 68% of similar nonprofits.
St Andrew Bay Resource
EIN 59-2849343 • 501(c)3 • Panama City, FL
Profile
To ensure that all future growth in bay county is managed to maintain or improve the present quality and productivity of the local estuarine systems.
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
0.01x
Liabilities / Revenue
69th percentile
Higher debt load relative to revenue than 69% of similar nonprofits.
Net Margin
62nd percentile
Higher net margin than 62% of similar nonprofits.
Top Officer Pay
93rd percentile
Higher top officer pay than 93% of similar nonprofits.
Top officer pay equals 31.0% of source-year revenue.
Asset Growth
73rd percentile
Faster asset growth than 73% of similar nonprofits.
Revenue Growth
45th percentile
Faster revenue growth than 45% of similar nonprofits.
Balance Sheet
Assets
Up$88,535
Up $12,108 (+16%) from 2024
Liabilities
Down$1,322
Down $699 (-35%) from 2024
Net Assets
Up$87,213
Up $12,807 (+17%) from 2024
Revenue
Down$145,052
Down $10,655 (-6.8%) from 2024
Expenses
Down$132,244
Down $92,249 (-41%) from 2024
Net Income
Up$12,808
Up $81,594 (+119%) from 2024
Trend Graphs
Filings
Most recent year
2025 • Form 990EZDetailed filing. Detailed filing data is available for this year.
- Assets
- $88,535
- Liabilities
- $1,322
- Net assets
- $87,213
- Revenue
- $145,052
- Expenses
- $132,244
- Net income
- $12,808
Latest Filing Detail
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2025 to Dec 31, 2025
- Signed
- Jan 22, 2026
- Return Version
- 2025v4.0
- Gross Receipts
- $145,052
Mission and Program Overview
Mission
To ensure that all future growth in bay county is managed to maintain or improve the present quality and productivity of the local estuarine systems.
Program Services
| Description | Grants | Expenses |
|---|---|---|
| BAYWATCH/WATER QUALITY - VOLUNTEER SAMPLING PROGRAM THAT MONITORS LONG-TERM TRENDS IN WATER QUALITY AND AQUATIC RESOURCES IN THE ST. ANDREW BAY WATERSHED. | - | $86,307 |
| TO ENSURE THAT ALL FUTURE GROWTH IN BAY COUNTY IS MANAGED TO MAINTAIN OR IMPROVE THE PRESENT QUALITY AND PRODUCTIVITY OF THE LOCAL ESTUARINE SYSTEMS. | - | $9,399 |
| SEAGRASS/LIVING SHORELINE - MONITORING AND RESTORATION PROGRAM OF SEAGRASS AND ITS IMPACT OF WATER QUALITY ON BIOLOGICAL RESOURCES ON THE BAY. | - | $4,444 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| CHRISTINA CANTRELL | Wq Director | PT | $43,253 | $1,730 | $44,983 |
| PHIL MAXWELL | Wq Lab Manag | PT | $17,099 | $864 | $17,963 |
| MERCEDES FRANKLIN | Vice Preside | - | $0 | - | - |
| KEITH HAGEN | Treasurer, I | - | $0 | - | - |
| SHELIA NOGUEIRA-PREWITT | Secretary | - | $0 | - | - |
| VELVET GILCHREST | Director At | - | $0 | - | - |
| DAWN DYKES | Interim Co-P | - | $0 | - | - |
Filing and Contact Details
Filer
- Filer Name
- St Andrew Bay Resource
- EIN
- 59-2849343
- Phone
- 8507634303
- Address
- PO BOX 15028, PANAMA CITY, FL 32406
Signing Officer
- Name
- Keith Hagen
- Title
- Treasurer, Interim C
- Phone
- 8507634303
- Signed
- 2026-01-22
- Discuss with paid preparer
- Yes
Preparer
- Firm
- Tipton Marler Garner & Chastain
- Address
- P O BOX 1100, PANAMA CITY, FL 32402-1100
- Preparer
- Jennifer R Davidson CPA
- Phone
- 8507699491
Supplemental Narrative
Additional Explanations
Form 990-ez, Part I, Line 8
“Other income 811 t shirts 50 total 861”
Form 990-ez, Part I, Line 16
“Expenses marketing 1,229 supplies 298 mileage 2,022 boat & atv expense 10,159 boat & atv expense 106 mileage 263 boat & atv expense 266 insurance 3,348 non-investment depreciation 14,805 total 32,496”
Form 990-ez, Part II, Line 24
“119,411 119,411 less accumulated depreciation 82,447 97,252 total 36,964 22,159”
Form 990-ez, Part II, Line 26
“Accounts payable and accrued expenses 30 1,322 credit cards 552 0 federal taxes 1,440 0 state taxes 0 0”
Form 990-ez, Part III
“To ensure that all future growth in bay county is managed to maintain or improve the present quality and productivity of the local estuarine systems.”
Form 990-ez, Part III, Line 31
“To ensure that all future growth in bay county is managed to maintain or improve the present quality and productivity of the local estuarine systems.”
Raw XML Appendix164 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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|---|---|---|
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| IRS990EZ/BooksInCareOfDetail/USAddress/CityNm | 0 | PANAMA CITY |
| IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | FL |
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| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 11930 |
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| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 88535 |
| IRS990EZ/GrossReceiptsAmt | 0 | 145052 |
| IRS990EZ/InfoInScheduleOPartIIIInd | 0 | X |
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| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | 87213 |
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| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 6 | 16.00 |
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| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 4 | DAWN DYKES |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 5 | CHRISTINA CANTRELL |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 6 | PHIL MAXWELL |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | VICE PRESIDE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | TREASURER, I |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | SECRETARY |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 3 | DIRECTOR AT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 4 | INTERIM CO-P |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 5 | WQ DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 6 | WQ LAB MANAG |
| IRS990EZ/OperateHospitalInd | 0 | false |
| IRS990EZ/Organization501c3Ind | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | false |
| IRS990EZ/OrganizationHadUBIInd | 0 | false |
| IRS990EZ/OtherAssetsTotalDetail/BOYAmt | 0 | 36964 |
| IRS990EZ/OtherAssetsTotalDetail/EOYAmt | 0 | 22159 |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 32496 |
| IRS990EZ/OtherRevenueTotalAmt | 0 | 861 |
| IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt | 0 | NONE |
| IRS990EZ/PartVIOfCompOfHghstPdEmplTxt | 0 | NONE |
| IRS990EZ/PoliticalCampaignActyInd | 0 | false |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | TO ENSURE THAT ALL FUTURE GROWTH IN BAY COUNTY IS MANAGED TO MAINTAIN OR IMPROVE THE PRESENT QUALITY AND PRODUCTIVITY OF THE LOCAL ESTUARINE SYSTEMS. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | SEAGRASS/LIVING SHORELINE - MONITORING AND RESTORATION PROGRAM OF SEAGRASS AND ITS IMPACT OF WATER QUALITY ON BIOLOGICAL RESOURCES ON THE BAY. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 1 | BAYWATCH/WATER QUALITY - VOLUNTEER SAMPLING PROGRAM THAT MONITORS LONG-TERM TRENDS IN WATER QUALITY AND AQUATIC RESOURCES IN THE ST. ANDREW BAY WATERSHED. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 2 | TO ENSURE THAT ALL FUTURE GROWTH IN BAY COUNTY IS MANAGED TO MAINTAIN OR IMPROVE THE PRESENT QUALITY AND PRODUCTIVITY OF THE LOCAL ESTUARINE SYSTEMS. |
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| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 1 | 86307 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 2 | 9399 |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990EZ/SalariesOtherCompEmplBnftAmt | 0 | 69175 |
| IRS990EZ/SchoolOperatingInd | 0 | false |
| IRS990EZ/SubjectToProxyTaxInd | 0 | false |
| IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt | 0 | 2022 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 1322 |
| IRS990EZ/TanningServicesProvidedInd | 0 | false |
| IRS990EZ/TotalExpensesAmt | 0 | 132244 |
| IRS990EZ/TotalProgramServiceExpensesAmt | 0 | 100150 |
| IRS990EZ/TotalRevenueAmt | 0 | 145052 |
| IRS990EZ/TransactionWithControlEntInd | 0 | false |
| IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd | 0 | false |
| IRS990EZ/TypeOfOrganizationCorpInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | STANDREWBAYWATCH.ORG |
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| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 181188 |
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| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt | 0 | 301486 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt | 0 | 968618 |
| IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt | 0 | 29088 |
| IRS990ScheduleA/PublicOrganization170Ind | 0 | X |
| IRS990ScheduleA/PublicSupportCY170Pct | 0 | 1.00000 |
| IRS990ScheduleA/PublicSupportPY170Pct | 0 | 0.99610 |
| IRS990ScheduleA/PublicSupportTotal170Amt | 0 | 968618 |
| IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind | 0 | X |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt | 0 | 144191 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt | 0 | 148181 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 181188 |
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| IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt | 0 | 968618 |
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| IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine1 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorNum | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine1 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine2 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt | 0 | RESTRICTED |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | OTHER INCOME 811 T SHIRTS 50 TOTAL 861 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | EXPENSES MARKETING 1,229 SUPPLIES 298 MILEAGE 2,022 BOAT & ATV EXPENSE 10,159 BOAT & ATV EXPENSE 106 MILEAGE 263 BOAT & ATV EXPENSE 266 INSURANCE 3,348 NON-INVESTMENT DEPRECIATION 14,805 TOTAL 32,496 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | 119,411 119,411 LESS ACCUMULATED DEPRECIATION 82,447 97,252 TOTAL 36,964 22,159 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | ACCOUNTS PAYABLE AND ACCRUED EXPENSES 30 1,322 CREDIT CARDS 552 0 FEDERAL TAXES 1,440 0 STATE TAXES 0 0 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | TO ENSURE THAT ALL FUTURE GROWTH IN BAY COUNTY IS MANAGED TO MAINTAIN OR IMPROVE THE PRESENT QUALITY AND PRODUCTIVITY OF THE LOCAL ESTUARINE SYSTEMS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | TO ENSURE THAT ALL FUTURE GROWTH IN BAY COUNTY IS MANAGED TO MAINTAIN OR IMPROVE THE PRESENT QUALITY AND PRODUCTIVITY OF THE LOCAL ESTUARINE SYSTEMS. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990-EZ, PART I, LINE 8 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990-EZ, PART I, LINE 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990-EZ, PART II, LINE 24 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990-EZ, PART II, LINE 26 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990-EZ, PART III |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990-EZ, PART III, LINE 31 |
| ReturnHeader/BuildTS | 0 | 2025-03-06 01:10:19Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | KEITH HAGEN |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | TREASURER, INTERIM C |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 8507634303 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2026-01-22 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | ST ANDREW BAY RESOURCE |
| ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt | 0 | MANAGEMENT ASSOCIATION INC |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | STAN |
| ReturnHeader/Filer/EIN | 0 | 592849343 |
| ReturnHeader/Filer/PhoneNum | 0 | 8507634303 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | PO BOX 15028 |
| ReturnHeader/Filer/USAddress/CityNm | 0 | PANAMA CITY |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | FL |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 32406 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 201217629 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | TIPTON MARLER GARNER & CHASTAIN |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | P O BOX 1100 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | PANAMA CITY |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | FL |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 324021100 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 8507699491 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2026-01-22 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | JENNIFER R DAVIDSON CPA |
| ReturnHeader/ReturnTs | 0 | 2026-02-03T14:52:26-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2025-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2025-12-31 |
| ReturnHeader/TaxYr | 0 | 2025 |
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