Civic Intelligence

Birmingham City Wide Local Development Company

EIN 63-0856904 • 501(c)4 • Birmingham, AL

Profile

Providing loans through the Small Business Administration (SBA) to small businesses.

1500 1st Avenue NorthBirmingham, AL 35203

n/A

Siviq Scores

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

Liabilities / Assets

50th percentile

0.03x

Higher debt load relative to assets than 50% of similar nonprofits.

501(c)4 • $1M-$5M nonprofits • Source year 2025

Liabilities / Revenue

54th percentile

0.07x

Higher debt load relative to revenue than 54% of similar nonprofits.

501(c)4 • $1M-$5M nonprofits • Source year 2025

Net Margin

15th percentile

-15%

Higher net margin than 15% of similar nonprofits.

501(c)4 • $1M-$5M nonprofits • Source year 2025

Top Officer Pay

63rd percentile

$0

Higher top officer pay than 63% of similar nonprofits.

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

501(c)4 • $1M-$5M nonprofits • Source year 2025

Asset Growth

22nd percentile

-4.5%

Faster asset growth than 22% of similar nonprofits.

501(c)4 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Revenue Growth

20th percentile

-7.7%

Faster revenue growth than 20% of similar nonprofits.

501(c)4 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets50th percentile

Assets

Down

$1,749,504

Down $82,492 (-4.5%) from 2024

Liabilities

Up

$60,938

Up $44,851 (+279%) from 2024

Net Assets

Down

$1,688,566

Down $127,343 (-7.0%) from 2024

Operations
Liabilities / Revenue54th percentileNet Margin15th percentile

Revenue

Down

$833,905

Down $69,287 (-7.7%) from 2024

Expenses

Up

$961,248

Up $76,180 (+8.6%) from 2024

Net Income

Down

-$127,343

Down $145,467 (-803%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth22nd percentile

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

$3.0M$2.0M$1.0M$0Assets 2011: $2,508,900Liabilities 2011: $0Net Assets 2011: $2,508,9002011Assets 2012: $2,319,454Liabilities 2012: $0Net Assets 2012: $2,319,4542012Assets 2013: $2,232,749Liabilities 2013: $0Net Assets 2013: $2,232,7492013Assets 2014: $2,305,741Liabilities 2014: $0Net Assets 2014: $2,305,7412014Assets 2015: $2,341,839Liabilities 2015: $20,329Net Assets 2015: $2,321,5102015Assets 2016: $2,330,865Liabilities 2016: $11,656Net Assets 2016: $2,319,2092016Assets 2017: $2,314,290Liabilities 2017: $10,179Net Assets 2017: $2,304,1112017Assets 2018: $2,183,840Liabilities 2018: $20,030Net Assets 2018: $2,163,8102018Assets 2019: $1,829,111Liabilities 2019: $16,126Net Assets 2019: $1,812,9852019Assets 2020: $1,804,181Liabilities 2020: $80,653Net Assets 2020: $1,723,5282020Assets 2021: $1,829,393Liabilities 2021: $54,515Net Assets 2021: $1,774,8782021Assets 2022: $1,871,529Liabilities 2022: $48,336Net Assets 2022: $1,823,1932022Assets 2023: $1,866,231Liabilities 2023: $68,446Net Assets 2023: $1,797,7852023Assets 2024: $1,831,996Liabilities 2024: $16,087Net Assets 2024: $1,815,9092024Assets 2025: $1,749,504Liabilities 2025: $60,938Net Assets 2025: $1,688,5662025

Highlighted filing

2025

Assets$1,749,504
Liabilities$60,938
Net Assets$1,688,566
Open 2025 Filing

Operations Trend

Revenue Growth20th percentile

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

$1.5M$1.0M$500K$0-$500KRevenue 2011: $693,489Expenses 2011: $843,212Net Income 2011: -$149,7232011Revenue 2012: $849,397Expenses 2012: $1,038,843Net Income 2012: -$189,4462012Expenses 2013: $1,018,1912013Revenue 2014: $807,271Expenses 2014: $734,279Net Income 2014: $72,9922014Revenue 2015: $775,887Expenses 2015: $760,118Net Income 2015: $15,7692015Revenue 2016: $751,577Expenses 2016: $753,878Net Income 2016: -$2,3012016Revenue 2017: $671,886Expenses 2017: $686,983Net Income 2017: -$15,0972017Revenue 2018: $755,614Expenses 2018: $895,915Net Income 2018: -$140,3012018Revenue 2019: $783,456Expenses 2019: $1,134,282Net Income 2019: -$350,8262019Revenue 2020: $790,006Expenses 2020: $879,462Net Income 2020: -$89,4562020Revenue 2021: $1,052,551Expenses 2021: $990,463Net Income 2021: $62,0882021Revenue 2022: $866,070Expenses 2022: $817,755Net Income 2022: $48,3152022Revenue 2023: $773,407Expenses 2023: $798,815Net Income 2023: -$25,4082023Revenue 2024: $903,192Expenses 2024: $885,068Net Income 2024: $18,1242024Revenue 2025: $833,905Expenses 2025: $961,248Net Income 2025: -$127,3432025

Highlighted filing

2025

Revenue$833,905
Expenses$961,248
Net Income-$127,343
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,749,504
Liabilities
$60,938
Net assets
$1,688,566
Revenue
$833,905
Expenses
$961,248
Net income
-$127,343
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$1.75$0.06$1.69$0.83$0.96$0.13
2024Detailed filing. Detailed filing data is available for this year.$1.83$0.02$1.82$0.90$0.89$0.02
2023Detailed filing. Detailed filing data is available for this year.$1.87$0.07$1.80$0.77$0.80$0.03
2022Detailed filing. Detailed filing data is available for this year.$1.87$0.05$1.82$0.87$0.82$0.05
2021Detailed filing. Detailed filing data is available for this year.$1.83$0.05$1.77$1.05$0.99$0.06
2020Detailed filing. Detailed filing data is available for this year.$1.80$0.08$1.72$0.79$0.88$0.09
2019Detailed filing. Detailed filing data is available for this year.$1.83$0.02$1.81$0.78$1.13$0.35
2018Detailed filing. Detailed filing data is available for this year.$2.18$0.02$2.16$0.76$0.90$0.14
2017Detailed filing. Detailed filing data is available for this year.$2.31$0.01$2.30$0.67$0.69$0.02
2016Detailed filing. Detailed filing data is available for this year.$2.33$0.01$2.32$0.75$0.75$0.00
2015Detailed filing. Detailed filing data is available for this year.$2.34$0.02$2.32$0.78$0.76$0.02
2014Detailed filing. Detailed filing data is available for this year.$2.31$0.00$2.31$0.81$0.73$0.07
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.23$0.00$2.23$1.02
2012Summary only. Only limited summary data is available for this year.$2.32$0.00$2.32$0.85$1.04$0.19
2011Summary only. Only limited summary data is available for this year.$2.51$0.00$2.51$0.69$0.84$0.15
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Oct 1, 2024 to Sep 30, 2025
Signed
Feb 3, 2026
Return Version
2024v5.2
Gross Receipts
$833,905
Mission and Program Overview

Mission

Providing loans through the Small Business Administration (SBA) to small businesses.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$1,160,173$1,172,745▲ $12,572
Savings and Temporary Cash Investments$594,851$509,683▼ $85,168
Accounts Receivable$75,746$67,076▼ $8,670
Land, Buildings, and Equipment, Net$1,226$0▼ $1,226
Total Assets$1,831,996$1,749,504▼ $82,492
Liabilities
Accounts Payable and Accrued Expenses$16,087$60,938▲ $44,851
Total Liabilities$16,087$60,938▲ $44,851
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$1,815,909$1,688,566▼ $127,343
Total Net Assets Fund Balance$1,815,909$1,688,566▼ $127,343
Total Liabilities and Net Assets / Fund Balance$1,831,996$1,749,504▼ $82,492

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$0$4,823-
Equipment$0$25,020-
Compensation and Service Providers
Top Officer Pay63rd percentile

Board Members and Trustees

NameTitle
Lisa CooperPresident
Jarvis MoreheadVice-President
Delpha-Bartley JonesBoard Member
J Wray PearceBoard Member
Keith StrotherBoard Member
Selena Rodgers-DickersonBoard Member
Victor BrownBoard Member
Robert Dickerson JrExecutive Director
Don J GiardinaSecretary
Herman M WilliamsTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
XcelHRContracted Personnel1608 13th Avenue South 220, Birmingham, AL 35205$323,488
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$601,866
Investment Income
$28,388
Other Revenue
$203,651
Change in Net Assets
$-127,343

Audited Revenue Reconciliation

Revenue per Audited Statements
$833,905
Total Revenue per Audited Statements
$833,905
Total Revenue per Form 990
$833,905
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$961,248
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 Management$354,611$18,664$0$373,275
Office Expenses$57,755$29,978$0$87,733
Occupancy$47,631$11,908$0$59,539
Fees for Services Accounting$17,744$21,687$0$39,431
Travel$11,662$14,254$0$25,916
Advertising$14,664$3,666$0$18,330
Insurance$2,667$8,000$0$10,667
Other Expenses$1,016$9,154$0$10,170
Fees for Services Legal$4,276$5,227$0$9,503
Conferences and Meetings$6,250$1,563$0$7,813
Depreciation Depletion$1,073$153$0$1,226
Fees for Service Investment Mgmnt Fees$390$98$0$488
Interest$45$405$0$450
Total Functional Expenses$796,920$164,328$0$961,248

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$961,248
Total Expenses per Audited Statements$961,248
Total Expenses per Form 990$961,248
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
No
Audit committee
Yes
Backup withholding compliance
Yes
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Birmingham City Wide Local Development Company
EIN
63-0856904
Phone
2052506380
Address
1500 1st Avenue North, Birmingham, AL 35203

Signing Officer

Name
Robert Dickerson Jr
Title
President & CEO
Phone
2052506380
Signed
2026-02-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Robert Dickerson Jr
Formed
1978
Legal Domicile
Al
Voting Board Members
9
Independent Board Members
9
Employees
0
Volunteers
0

Preparer

Firm
Banks Finley White & Co
Address
617 37TH STREET SOUTH, BIRMINGHAM, AL 35222
Preparer
James C White Sr
Phone
2053266660
Supplemental Narrative

Additional Explanations

Pt VI, Line 11B

“To Form is reviewed by the Executive Director and shared with the members of the Board of Directors.”

Pt VI, Line 12C

“The Company has a written Conflict of Interest policy that is reviewed annually.”

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IRS990/PrincipalOfficerNm0Robert Dickerson Jr
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0To Form is reviewed by the Executive Director and shared with the members of the Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Company has a written Conflict of Interest policy that is reviewed annually.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 12c
IRS990ScheduleR/AssetExchangeInd0false
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IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingEntityName/BusinessNameLine1Txt0NA
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt0Birmingham Business Resource Center
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN0631179057
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt0501(c)(4)
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd0AL
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt0Loaning money to small businesses
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt01500 1st Avenue North Unit 12
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm0Birmingham
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd0AK
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