Civic Intelligence

Home Builders Assoc of Greater

EIN 63-0698206 • 501(c)6 • Anniston, AL

Profile

Provide service and information to area homebuilders and to educate the general public

PO Box 2549Anniston, AL 36202-2549

www.hbagcc.com

Siviq Scores

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

Liabilities / Assets

61st percentile

0.02x

Higher debt load relative to assets than 61% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

60th percentile

0.01x

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

501(c)6 • <$500k nonprofits • Source year 2024

Net Margin

50th percentile

0.7%

Higher net margin than 50% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Top Officer Pay

77th percentile

$0

Higher top officer pay than 77% of similar nonprofits.

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

501(c)6 • <$500k nonprofits • Source year 2024

Asset Growth

56th percentile

1.4%

Faster asset growth than 56% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

39th percentile

-7.0%

Faster revenue growth than 39% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets61st percentile

Assets

Up

$97,381

Up $1,340 (+1.4%) from 2023

Liabilities

Up

$1,698

Up $210 (+14%) from 2023

Net Assets

Up

$95,683

Up $1,130 (+1.2%) from 2023

Operations
Liabilities / Revenue60th percentileNet Margin50th percentile

Revenue

Down

$151,645

Down $11,388 (-7.0%) from 2023

Expenses

Up

$150,515

Up $947 (+0.6%) from 2023

Net Income

Down

$1,130

Down $12,335 (-92%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth56th percentile

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

$150K$100K$50K$0Assets 2011: $139,645Liabilities 2011: $1,758Net Assets 2011: $137,8872011Assets 2012: $123,946Liabilities 2012: $1,744Net Assets 2012: $122,2022012Assets 2013: $60,300Liabilities 2013: $42Net Assets 2013: $60,2582013Assets 2014: $53,186Liabilities 2014: $1,596Net Assets 2014: $51,5902014Assets 2015: $60,084Liabilities 2015: $1,397Net Assets 2015: $58,6872015Assets 2016: $61,852Liabilities 2016: $1,703Net Assets 2016: $60,1492016Assets 2017: $67,299Liabilities 2017: $1,747Net Assets 2017: $65,5522017Assets 2018: $70,958Liabilities 2018: $1,729Net Assets 2018: $69,2292018Assets 2019: $69,779Liabilities 2019: $1,729Net Assets 2019: $68,0502019Assets 2020: $65,669Liabilities 2020: $1,729Net Assets 2020: $63,9402020Assets 2021: $73,179Liabilities 2021: $1,729Net Assets 2021: $71,4502021Assets 2022: $82,576Liabilities 2022: $1,488Net Assets 2022: $81,0882022Assets 2023: $96,041Liabilities 2023: $1,488Net Assets 2023: $94,5532023Assets 2024: $97,381Liabilities 2024: $1,698Net Assets 2024: $95,6832024

Highlighted filing

2024

Assets$97,381
Liabilities$1,698
Net Assets$95,683
Open 2024 Filing

Operations Trend

Revenue Growth39th percentile

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

$300K$200K$100K$0-$100KRevenue 2011: $188,958Expenses 2011: $233,140Net Income 2011: -$44,1822011Revenue 2012: $141,063Expenses 2012: $156,748Net Income 2012: -$15,6852012Revenue 2013: $96,173Expenses 2013: $158,117Net Income 2013: -$61,9442013Revenue 2014: $121,609Expenses 2014: $130,277Net Income 2014: -$8,6682014Revenue 2015: $137,432Expenses 2015: $130,335Net Income 2015: $7,0972015Revenue 2016: $139,345Expenses 2016: $137,883Net Income 2016: $1,4622016Revenue 2017: $138,607Expenses 2017: $133,204Net Income 2017: $5,4032017Revenue 2018: $151,538Expenses 2018: $147,861Net Income 2018: $3,6772018Revenue 2019: $151,966Expenses 2019: $153,145Net Income 2019: -$1,1792019Revenue 2020: $126,870Expenses 2020: $130,980Net Income 2020: -$4,1102020Revenue 2021: $143,745Expenses 2021: $136,235Net Income 2021: $7,5102021Revenue 2022: $145,125Expenses 2022: $135,487Net Income 2022: $9,6382022Revenue 2023: $163,033Expenses 2023: $149,568Net Income 2023: $13,4652023Revenue 2024: $151,645Expenses 2024: $150,515Net Income 2024: $1,1302024

Highlighted filing

2024

Revenue$151,645
Expenses$150,515
Net Income$1,130
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$97,381
Liabilities
$1,698
Net assets
$95,683
Revenue
$151,645
Expenses
$150,515
Net income
$1,130
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.97$0.02$0.96$1.52$1.51$0.01
2023Detailed filing. Detailed filing data is available for this year.$0.96$0.01$0.95$1.63$1.50$0.13
2022Detailed filing. Detailed filing data is available for this year.$0.83$0.01$0.81$1.45$1.35$0.10
2021Detailed filing. Detailed filing data is available for this year.$0.73$0.02$0.71$1.44$1.36$0.08
2020Detailed filing. Detailed filing data is available for this year.$0.66$0.02$0.64$1.27$1.31$0.04
2019Detailed filing. Detailed filing data is available for this year.$0.70$0.02$0.68$1.52$1.53$0.01
2018Detailed filing. Detailed filing data is available for this year.$0.71$0.02$0.69$1.52$1.48$0.04
2017Detailed filing. Detailed filing data is available for this year.$0.67$0.02$0.66$1.39$1.33$0.05
2016Detailed filing. Detailed filing data is available for this year.$0.62$0.02$0.60$1.39$1.38$0.01
2015Detailed filing. Detailed filing data is available for this year.$0.60$0.01$0.59$1.37$1.30$0.07
2014Detailed filing. Detailed filing data is available for this year.$0.53$0.02$0.52$1.22$1.30$0.09
2013Detailed filing. Detailed filing data is available for this year.$0.60$0.00$0.60$0.96$1.58$0.62
2012Summary only. Only limited summary data is available for this year.$1.24$0.02$1.22$1.41$1.57$0.16
2011Summary only. Only limited summary data is available for this year.$1.40$0.02$1.38$1.89$2.33$0.44
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 9, 2025
Return Version
2024v5.1
Gross Receipts
$151,645
Mission and Program Overview

Mission

Provide service and information to area homebuilders and to educate the general public

Provide service and information to area homebuilders and to educate the general public.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$77,386$81,262▲ $3,876
Cash and Non-Interest-Bearing Accounts$11,155$8,619▼ $2,536
Land, Buildings, and Equipment, Net$7,500$7,500→ $0
Total Assets$96,041$97,381▲ $1,340
Liabilities
Other Liabilities$1,488$1,698▲ $210
Total Liabilities$1,488$1,698▲ $210
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$94,553$95,683▲ $1,130
Total Net Assets Fund Balance$94,553$95,683▲ $1,130
Total Liabilities and Net Assets / Fund Balance$96,041$97,381▲ $1,340

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$0$67,500-
Land$7,500--
Equipment$0$3,300-
Compensation and Service Providers
Top Officer Pay77th percentile

Board Members and Trustees

NameTitle
Wallace HigginsImmediate Past President
Sam AlmaroadPresident
Chip Street1st Vice President
Sharon Rutherford2nd Vice President
Bud CanterLife Board of Director
Buddy McleodLife Board of Director
Don JamesLife Board of Director
Mike JamesLife Board of Director
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$145,185
Investment Income
$3,876
Other Revenue
$2,584
Change in Net Assets
$1,130
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$118,431
Salaries, Compensation, and Employee Benefits$32,084
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$29,750-$29,750
Conferences and Meetings$13,559--$13,559
Occupancy-$12,853-$12,853
Advertising$6,773--$6,773
Other Expenses$4,780$241-$5,021
Travel$3,294--$3,294
Payroll Taxes-$2,334-$2,334
Fees for Services Accounting-$2,210-$2,210
Office Expenses-$1,920-$1,920
All Other Expenses$300$307-$607
Information Technology-$280-$280
Total Functional Expenses$100,620$49,895$0$150,515
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
Yes
In-house lobbying only
Yes
Subject to proxy tax
Yes
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Payroll Taxes Payable$1,698
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

“Form 990 is reviewed by the board.”

Form 990, Part VI, Section C, Line 19

“Documents are made available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Home Builders Assoc of Greater
EIN
63-0698206
Phone
2562375266
Address
PO BOX 2549, ANNISTON, AL 36202-2549

Signing Officer

Name
Sam Almaroad
Title
President
Phone
2562375266
Signed
2025-05-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sam Almaroad
Formed
1983
Legal Domicile
Al
Voting Board Members
22
Independent Board Members
22
Employees
1
Volunteers
0

Preparer

Firm
Curvin Accounting LLC
Address
PO BOX 1055, JACKSONVILLE, AL 36265
Preparer
Adrianne Curvin
Phone
2567821188
Raw XML Appendix348 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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IRS990ScheduleD/BuildingsGrp/DepreciationAmt067500
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt067500
IRS990ScheduleD/EquipmentGrp/BookValueAmt00
IRS990ScheduleD/EquipmentGrp/DepreciationAmt03300
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt03300
IRS990ScheduleD/LandGrp/BookValueAmt07500
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt07500
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt01698
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0PAYROLL TAXES PAYABLE
IRS990ScheduleD/TotalBookValueLandBuildingsAmt07500
IRS990ScheduleD/TotalLiabilityAmt01698
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0FORM 990 IS REVIEWED BY THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DOCUMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd01
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt096041
IRS990/TotalAssetsEOYAmt097381
IRS990/TotalAssetsGrp/BOYAmt096041
IRS990/TotalAssetsGrp/EOYAmt097381
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt01
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt049895
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0100620
IRS990/TotalFunctionalExpensesGrp/TotalAmt0150515
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt01488
IRS990/TotalLiabilitiesEOYAmt01698
IRS990/TotalLiabilitiesGrp/BOYAmt01488
IRS990/TotalLiabilitiesGrp/EOYAmt01698
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt094553
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt095683
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0100620
IRS990/TotalProgramServiceRevenueAmt0145185
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0151645
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0151645
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt096041
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt097381
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ProgramServicesAmt03294
IRS990/TravelGrp/TotalAmt03294
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 2549
IRS990/USAddress/CityNm0ANNISTON
IRS990/USAddress/StateAbbreviationCd0AL
IRS990/USAddress/ZIPCd0362022549
IRS990/VotingMembersGoverningBodyCnt022
IRS990/VotingMembersIndependentCnt022
IRS990/WebsiteAddressTxt0WWW.HBAGCC.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0SAM ALMAROAD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum02562375266
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-09
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0HOME BUILDERS ASSOC OF GREATER
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0CALHOUN COUNTY
ReturnHeader/Filer/BusinessNameControlTxt0HOME
ReturnHeader/Filer/EIN0630698206
ReturnHeader/Filer/PhoneNum02562375266
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 2549
ReturnHeader/Filer/USAddress/CityNm0ANNISTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0AL
ReturnHeader/Filer/USAddress/ZIPCd0362022549
ReturnHeader/IRSResponsiblePrtyInfoCurrInd00
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0812760571
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CURVIN ACCOUNTING LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO BOX 1055
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0JACKSONVILLE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0AL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd036265
ReturnHeader/PreparerPersonGrp/PhoneNum02567821188
ReturnHeader/PreparerPersonGrp/PreparationDt02025-05-09
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ADRIANNE CURVIN
ReturnHeader/ReturnTs02025-05-14T08:32:56-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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