Civic Intelligence

Kentucky Bankers Association

990 • Fiscal year 2013 • EIN 61-1270625

Jan 01, 2013 to Dec 31, 2013 • Filed on Oct 20, 2014

Organization Profilewww.kybanks.com

View Organization Page

600 West Main Street No 40040202

(502) 582-2453

Siviq Scores

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

Liabilities / Assets

88th percentile

0.45x

Higher debt load relative to assets than 88% of similar nonprofits.

2013 filings • 501(c)9 • $25M-$50M nonprofits • Source year 2013

Liabilities / Revenue

75th percentile

0.14x

Higher debt load relative to revenue than 75% of similar nonprofits.

2013 filings • 501(c)9 • $25M-$50M nonprofits • Source year 2013

Net Margin

18th percentile

-6.6%

Higher net margin than 18% of similar nonprofits.

2013 filings • 501(c)9 • $25M-$50M nonprofits • Source year 2013

Top Officer Pay

44th percentile

$0

Higher top officer pay than 44% of similar nonprofits.

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

2013 filings • 501(c)9 • $25M-$50M nonprofits • Source year 2013

Asset Growth

12th percentile

-13%

Faster asset growth than 12% of similar nonprofits.

2013 filings • 501(c)9 • $25M-$50M nonprofits • Annualized from 2012 to 2013

Revenue Growth

25th percentile

-6.3%

Faster revenue growth than 25% of similar nonprofits.

2013 filings • 501(c)9 • $25M-$50M nonprofits • Annualized from 2011 to 2013

Balance Sheet
Liabilities / Assets88th percentile

Assets

Down

$9,808,987

Down $1,445,890 (-13%) from 2012

Net Assets

Down

$5,387,383

Down $2,212,729 (-29%) from 2012

Liabilities

Up

$4,421,604

Up $766,839 (+21%) from 2012

Revenue And Expenses
Liabilities / Revenue75th percentileNet Margin18th percentile

Revenue

$31,035,518

No earlier filing loaded for comparison.

Expenses

Up

$33,095,373

Up $3,385,316 (+11%) from 2012

Net Income

-$2,059,855

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth12th percentile

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

$15M$10M$5.0M$0Assets 2011: $10,268,184Liabilities 2011: $4,231,699Net Assets 2011: $6,036,4852011Assets 2012: $11,254,877Liabilities 2012: $3,654,765Net Assets 2012: $7,600,1122012Assets 2013: $9,808,987Liabilities 2013: $4,421,604Net Assets 2013: $5,387,3832013Assets 2014: $6,506,024Liabilities 2014: $4,544,616Net Assets 2014: $1,961,4082014Assets 2015: $6,616,717Liabilities 2015: $3,499,227Net Assets 2015: $3,117,4902015Assets 2016: $6,823,084Liabilities 2016: $3,882,153Net Assets 2016: $2,940,9312016Assets 2017: $0Liabilities 2017: $0Net Assets 2017: $02017

Highlighted filing

2013

Assets$9,808,987
Liabilities$4,421,604
Net Assets$5,387,383
Open 2013 Filing

Operations Trend

Revenue Growth25th percentile

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

$40M$20M$0-$20MRevenue 2011: $35,378,289Expenses 2011: $33,969,717Net Income 2011: $1,408,5722011Expenses 2012: $29,710,0572012Revenue 2013: $31,035,518Expenses 2013: $33,095,373Net Income 2013: -$2,059,8552013Revenue 2014: $33,522,854Expenses 2014: $36,998,148Net Income 2014: -$3,475,2942014Revenue 2015: $28,178,782Expenses 2015: $26,989,524Net Income 2015: $1,189,2582015Revenue 2016: $27,449,645Expenses 2016: $27,614,066Net Income 2016: -$164,4212016Revenue 2017: $0Expenses 2017: $0Net Income 2017: $02017

Highlighted filing

2013

Revenue$31,035,518
Expenses$33,095,373
Net Income-$2,059,855
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Oct 20, 2014
Return Version
2013v3.0
Gross Receipts
$31,035,518
Mission and Program Overview

Mission

To provide health coverage to Participating Employers and their respective employees.

Provide Healthcare benefits to eligible employees and their eligible spouses/dependents.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$7,600,112$5,387,383▼ $2,212,729
Savings and Temporary Cash Investments$3,277,423$5,179,179▲ $1,901,756
Investments in Publicly Traded Securities$1,418,103$3,065,115▲ $1,647,012
Cash and Non-Interest-Bearing Accounts$6,555,154$1,556,248▼ $4,998,906
Prepaid Expenses and Deferred Charges$4,197$4,808▲ $611
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$11,254,877$9,808,987▼ $1,445,890
Other Assets Total$0$3,637▲ $3,637
Liabilities
Accounts Payable and Accrued Expenses$2,638,848$3,370,407▲ $731,559
Deferred Revenue$1,015,917$1,051,197▲ $35,280
Total Liabilities$3,654,765$4,421,604▲ $766,839
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,600,112$5,387,383▼ $2,212,729
Total Liabilities and Net Assets / Fund Balance$11,254,877$9,808,987▼ $1,445,890
Compensation and Service Providers
Top Officer Pay44th percentile

Board Members and Trustees

NameTitle
W Fred BrashearPEC Chairman
Republic Bank TrustPlan Trustee
Ballard W Cassady JrPEC Member
Burt BellamyPEC Member
Jack StrotherPEC Member
Neil S BryanPEC Member

Highest Paid Contractors

ContractorServicesLocationCompensation
Stanley Hunt Dupree RhineThird party administrator-$175,000
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$30,942,718
Investment Income
$92,800
Other Revenue
$0
Change in Net Assets
$-2,059,855

Audited Revenue Reconciliation

Revenue per Audited Statements
$31,035,518
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$31,035,518
Total Revenue per Form 990
$31,035,518
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$573,996
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
Benefits to Members$32,521,377--$32,521,377
Other Expenses$385,086--$385,086
Fees for Services Other$147,042--$147,042
Fees for Services Legal$23,354--$23,354
Fees for Services Accounting$11,100--$11,100
Office Expenses$7,414--$7,414
Total Functional Expenses$33,095,373$0$0$33,095,373

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$33,248,247
Expenses per Audited Statements$33,095,373
Total Expenses per Form 990$33,095,373
Expenses Not Reported on Form 990$152,874
Expenses Not Reported on Financial Statements$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
Subject to proxy tax
No
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, Part VI, Section A, line 6

“The organization has members - banks and other organizations that the trust provides health benefits to.”

Form 990, Part VI, Section A, line 8B

“There are no committees, other than the governing body.”

Form 990, Part VI, Section B, line 11

“Form 990 is sent to and reviewed by the governing body prior to being filed.”

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

“The governing body is questioned on an annual basis.”

Form 990, Part VI, Section C, line 19

“Forms are available upon request.”

Filing and Contact Details

Filer

EIN
61-1270625
Phone
5025822453

Signing Officer

Name
Ballard W Cassady Jr
Title
President & CEO
Phone
5025822453
Signed
2014-10-20
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ballard W Cassady Jr
Formed
1996
Legal Domicile
Ky
Voting Board Members
20
Independent Board Members
20
Employees
0
Volunteers
0

Preparer

Preparer
William G Carroll
Phone
5025851600
Supplemental Narrative

Additional Explanations

Part XII, Line 2C

“The process has not changed from prior year.”

Financial Statement Notes

Part XII, Line 2D - Other Adjustments:

“Net Depreciation in Fair Value of Investments 152,874.”

Raw XML Appendix323 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/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
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IRS990/Form990PartVIISectionAGrp/TitleTxt1PEC Member
IRS990/Form990PartVIISectionAGrp/TitleTxt2PEC Member
IRS990/Form990PartVIISectionAGrp/TitleTxt3PEC Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt4PEC Member
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IRS990/GrantToRelatedPersonInd00
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IRS990/PartialLiquidationInd00
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IRS990/PoliticalCampaignActyInd00
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0Net Depreciation in Fair Value of Investments 152,874.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part XII, Line 2d - Other Adjustments:
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The organization has members - banks and other organizations that the trust provides health benefits to.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1There are no committees, other than the governing body.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Form 990 is sent to and reviewed by the governing body prior to being filed.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The governing body is questioned on an annual basis.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Forms are available upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The process has not changed from prior year.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, line 8b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Part XII, Line 2c
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ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0Ballard W Cassady Jr
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President & CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05025822453
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-10-20
ReturnHeader/Filer/BusinessName/BusinessNameLine10Kentucky Bankers Association
ReturnHeader/Filer/BusinessName/BusinessNameLine20Health and Welfare Benefit Trust
ReturnHeader/Filer/BusinessNameControlTxt0KENT
ReturnHeader/Filer/EIN0611270625
ReturnHeader/Filer/PhoneNum05025822453
ReturnHeader/Filer/USAddress/AddressLine10600 West Main Street No 400
ReturnHeader/Filer/USAddress/City0Louisville
ReturnHeader/Filer/USAddress/State0KY
ReturnHeader/Filer/USAddress/ZIPCode040202
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0611191655
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10Strothman & Company PSC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10325 W Main St Suite 1600
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0Louisville
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0KY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode0402024251
ReturnHeader/PreparerPersonGrp/PhoneNum05025851600
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0William G Carroll
ReturnHeader/ReturnTs02014-11-12T14:04:02-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$9,808,987
Liabilities
$4,421,604
Net assets
$5,387,383
Revenue
$31,035,518
Expenses
$33,095,373
Net income
-$2,059,855
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.00$0.00$0.00
2016Detailed filing. Detailed filing data is available for this year.$6.82$3.88$2.94$27.4$27.6$0.16
2015Detailed filing. Detailed filing data is available for this year.$6.62$3.50$3.12$28.2$27.0$1.19
2014Detailed filing. Detailed filing data is available for this year.$6.51$4.54$1.96$33.5$37.0$3.48
2013Detailed filing. Detailed filing data is available for this year.$9.81$4.42$5.39$31.0$33.1$2.06
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.3$3.65$7.60$29.7
2011Summary only. Only limited summary data is available for this year.$10.3$4.23$6.04$35.4$34.0$1.41