Civic Intelligence

Southeast Mississippi Community Investment Corporation

EIN 64-0833343 • 501(c)4 • Hattiesburg, MS

Profile

To provide low interest loans and loan guarantees to small and minority businesses located in southeast mississippi

One Convention Center PlazaHattiesburg, MS 39401

n/A

Siviq Scores

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

Liabilities / Assets

42nd percentile

0.01x

Higher debt load relative to assets than 42% of similar nonprofits.

501(c)4 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

74th percentile

0.37x

Higher debt load relative to revenue than 74% of similar nonprofits.

501(c)4 • $1M-$5M nonprofits • Source year 2024

Net Margin

93rd percentile

69%

Higher net margin than 93% of similar nonprofits.

501(c)4 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

43rd percentile

2.5%

Faster asset growth than 43% of similar nonprofits.

501(c)4 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

88th percentile

67%

Faster revenue growth than 88% of similar nonprofits.

501(c)4 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets42nd percentile

Assets

Up

$1,282,795

Up $31,129 (+2.5%) from 2023

Liabilities

Up

$16,189

Up $782 (+5.1%) from 2023

Net Assets

Up

$1,266,606

Up $30,347 (+2.5%) from 2023

Operations
Liabilities / Revenue74th percentileNet Margin93rd percentile

Revenue

Up

$44,267

Up $17,683 (+67%) from 2023

Expenses

Down

$13,920

Down $1,524 (-9.9%) from 2023

Net Income

Up

$30,347

Up $19,207 (+172%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth43rd percentile

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

$1.5M$1.0M$500K$0Assets 2008: $1,315,262Liabilities 2008: $99,681Net Assets 2008: $1,215,5812008Assets 2009: $1,273,581Liabilities 2009: $75,000Net Assets 2009: $1,198,5812009Assets 2010: $1,311,388Liabilities 2010: $101,681Net Assets 2010: $1,209,7072010Assets 2017: $1,248,563Liabilities 2017: $11,124Net Assets 2017: $1,237,4392017Assets 2018: $1,246,885Liabilities 2018: $11,998Net Assets 2018: $1,234,8872018Assets 2019: $1,245,059Liabilities 2019: $12,080Net Assets 2019: $1,232,9792019Assets 2020: $1,245,212Liabilities 2020: $12,720Net Assets 2020: $1,232,4922020Assets 2021: $1,238,743Liabilities 2021: $13,569Net Assets 2021: $1,225,1742021Assets 2022: $1,239,553Liabilities 2022: $14,434Net Assets 2022: $1,225,1192022Assets 2023: $1,251,666Liabilities 2023: $15,407Net Assets 2023: $1,236,2592023Assets 2024: $1,282,795Liabilities 2024: $16,189Net Assets 2024: $1,266,6062024

Highlighted filing

2024

Assets$1,282,795
Liabilities$16,189
Net Assets$1,266,606
Open 2024 Filing

Operations Trend

Revenue Growth88th percentile

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

$60K$40K$20K$0-$20KRevenue 2008: $34,430Expenses 2008: $29,989Net Income 2008: $4,4412008Revenue 2009: $11,367Expenses 2009: $28,364Net Income 2009: -$16,9972009Revenue 2010: $40,365Expenses 2010: $29,239Net Income 2010: $11,1262010Revenue 2017: $10,128Expenses 2017: $11,727Net Income 2017: -$1,5992017Revenue 2018: $14,819Expenses 2018: $17,371Net Income 2018: -$2,5522018Revenue 2019: $9,340Expenses 2019: $11,248Net Income 2019: -$1,9082019Revenue 2020: $9,805Expenses 2020: $10,292Net Income 2020: -$4872020Revenue 2021: $9,813Expenses 2021: $17,131Net Income 2021: -$7,3182021Revenue 2022: $10,500Expenses 2022: $10,555Net Income 2022: -$552022Revenue 2023: $26,584Expenses 2023: $15,444Net Income 2023: $11,1402023Revenue 2024: $44,267Expenses 2024: $13,920Net Income 2024: $30,3472024

Highlighted filing

2024

Revenue$44,267
Expenses$13,920
Net Income$30,347
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$1,282,795
Liabilities
$16,189
Net assets
$1,266,606
Revenue
$44,267
Expenses
$13,920
Net income
$30,347
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.28$0.02$1.27$0.04$0.01$0.03
2023Detailed filing. Detailed filing data is available for this year.$1.25$0.02$1.24$0.03$0.02$0.01
2022Detailed filing. Detailed filing data is available for this year.$1.24$0.01$1.23$0.01$0.01$0.00
2021Detailed filing. Detailed filing data is available for this year.$1.24$0.01$1.23$0.01$0.02$0.01
2020Detailed filing. Detailed filing data is available for this year.$1.25$0.01$1.23$0.01$0.01$0.00
2019Detailed filing. Detailed filing data is available for this year.$1.25$0.01$1.23$0.01$0.01$0.00
2018Detailed filing. Detailed filing data is available for this year.$1.25$0.01$1.23$0.01$0.02$0.00
2017Summary only. Only limited summary data is available for this year.$1.25$0.01$1.24$0.01$0.01$0.00
2010Summary only. Only limited summary data is available for this year.$1.31$0.10$1.21$0.04$0.03$0.01
2009Summary only. Only limited summary data is available for this year.$1.27$0.08$1.20$0.01$0.03$0.02
2008Summary only. Only limited summary data is available for this year.$1.32$0.10$1.22$0.03$0.03$0.00
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Sep 25, 2025
Return Version
2024v5.2
Gross Receipts
$44,267
Mission and Program Overview

Mission

To provide low interest loans and loan guarantees to small and minority businesses located in southeast mississippi

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$1,097,537$1,142,543▲ $45,006
Other Notes and Loans Receivable, Net$152,428$139,361▼ $13,067
Cash and Non-Interest-Bearing Accounts$1,701$891▼ $810
Total Assets$1,251,666$1,282,795▲ $31,129
Liabilities
Unsecured Notes Loans Payable$15,149$16,058▲ $909
Accounts Payable and Accrued Expenses$258$131▼ $127
Total Liabilities$15,407$16,189▲ $782
Net Assets / Fund Balance
Net Assets With Donor Restrictions$1,168,202$1,187,569▲ $19,367
Net Assets Without Donor Restrictions$68,057$79,037▲ $10,980
Total Net Assets Fund Balance$1,236,259$1,266,606▲ $30,347
Total Liabilities and Net Assets / Fund Balance$1,251,666$1,282,795▲ $31,129
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
Sam BilboChair
Jamie FuquaImmediate Past Chair
Chad NewellPresident
Kenny WiseVice Chair
Adam RobertsBank Representative
Tommy MayBank Representative
Andie SzaboCommunity Representative
April MannCommunity Representative
Bernard GreenCommunity Representative
Dr Lara OtaigbeCommunity Representative
Juli MartinezCommunity Representative
Kayla CedotalCommunity Representative
Kelsey HesterCommunity Representative
Sam SacklerCommunity Representative
Brady BezoskiSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$9,397
Investment Income
$34,870
Other Revenue
$0
Change in Net Assets
$30,347

Audited Revenue Reconciliation

Revenue per Audited Statements
$43,857
Revenue Not Reported on Financial Statements
$410
Revenue Not Reported on Form 990
$18,700
Other Revenue Adjustments
$410
Total Revenue per Audited Statements
$62,557
Total Revenue per Form 990
$44,267
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$13,920
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 Accounting-$8,700-$8,700
Office Expenses-$3,254-$3,254
Insurance-$1,057-$1,057
Interest$909--$909
Total Functional Expenses$909$13,011$0$13,920

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$32,210
Expenses Not Reported on Form 990$18,700
Total Expenses per Form 990$13,920
Expenses per Audited Statements$13,510
Expenses Not Reported on Financial Statements$410
Other Expense Adjustments$410
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
Audit committee
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
Yes

Governance Explanations

Form 990, Part VI, Section A, Line 3

“The organization engages area development partnership to perform management duties.”

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

“The organization's board of directors reviews and approves form 990 prior to filing.”

Form 990, Part VI, Section C, Line 19

“Governing documents, policies, and financial statements available upon request”

Filing and Contact Details

Filer

Filer Name
Southeast Mississippi Community
EIN
64-0833343
Phone
6012967500
Address
ONE CONVENTION CENTER PLAZA, HATTIESBURG, MS 39401

Signing Officer

Name
Chad Newell
Title
President
Phone
6012967500
Signed
2025-09-25
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Chad Newell
Formed
1993
Legal Domicile
Ms
Voting Board Members
15
Independent Board Members
14
Employees
0
Volunteers
0

Preparer

Firm
Tmh
Address
P O DRAWER 15099, HATTIESBURG, MS 39404-5099
Preparer
Paige M Johnson CPA
Phone
6012643519
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

“Board of directors assumes responsibility of the audit of its financial statements and selection of an independent accountant. Process has not changed from prior year.”

Financial Statement Notes

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“BANK CHARGES”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“BANK CHARGES”

Raw XML Appendix392 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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IRS990/Form990PartVIISectionAGrp/TitleTxt3PRESIDENT
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IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0CHAD NEWELL
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/BusinessCd2900099
IRS990/ProgramServiceRevenueGrp/BusinessCd3900099
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST REVENUE
IRS990/ProgramServiceRevenueGrp/Desc1MISC PROGRAM SERVICE R
IRS990/ProgramServiceRevenueGrp/Desc2LOAN CLOSING FEES
IRS990/ProgramServiceRevenueGrp/Desc3APPLICATION FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt07607
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11452
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2238
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3100
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt07607
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11452
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2238
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3100
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt012956
IRS990/PYOtherExpensesAmt015444
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt013628
IRS990/PYRevenuesLessExpensesAmt011140
IRS990/PYSalariesCompEmpBnftPaidAmt00
IRS990/PYTotalExpensesAmt015444
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt026584
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt030347
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt09081
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01097537
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01142543
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt018700
IRS990ScheduleD/DonatedServicesUseFcltsAmt018700
IRS990ScheduleD/ExpensesNotReportedAmt018700
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt0410
IRS990ScheduleD/ExpensesSubtotalAmt013510
IRS990ScheduleD/OtherExpensesNotIncludedAmt0410
IRS990ScheduleD/OtherRevenuesNotIncludedAmt0410
IRS990ScheduleD/RevenueNotReportedAmt018700
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt0410
IRS990ScheduleD/RevenueSubtotalAmt043857
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0BANK CHARGES
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1BANK CHARGES
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART XI, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART XII, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalExpensesPerForm990Amt013920
IRS990ScheduleD/TotalRevenuePerForm990Amt044267
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt062557
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt032210
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION ENGAGES AREA DEVELOPMENT PARTNERSHIP TO PERFORM MANAGEMENT DUTIES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION'S BOARD OF DIRECTORS REVIEWS AND APPROVES FORM 990 PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2GOVERNING DOCUMENTS, POLICIES, AND FINANCIAL STATEMENTS AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3BOARD OF DIRECTORS ASSUMES RESPONSIBILITY OF THE AUDIT OF ITS FINANCIAL STATEMENTS AND SELECTION OF AN INDEPENDENT ACCOUNTANT. PROCESS HAS NOT CHANGED FROM PRIOR YEAR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART XII, LINE 2C:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0MS
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt01251666
IRS990/TotalAssetsEOYAmt01282795
IRS990/TotalAssetsGrp/BOYAmt01251666
IRS990/TotalAssetsGrp/EOYAmt01282795
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt013011
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0909
IRS990/TotalFunctionalExpensesGrp/TotalAmt013920
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt015407
IRS990/TotalLiabilitiesEOYAmt016189
IRS990/TotalLiabilitiesGrp/BOYAmt015407
IRS990/TotalLiabilitiesGrp/EOYAmt016189
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01236259
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01266606
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0909
IRS990/TotalProgramServiceRevenueAmt09397
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt034870
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt09397
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt044267
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01251666
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01282795
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt015149
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt016058
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0ONE CONVENTION CENTER PLAZA
IRS990/USAddress/CityNm0HATTIESBURG
IRS990/USAddress/StateAbbreviationCd0MS
IRS990/USAddress/ZIPCd039401
IRS990/VotingMembersGoverningBodyCnt015
IRS990/VotingMembersIndependentCnt014
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0CHAD NEWELL
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum06012967500
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-09-25
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SOUTHEAST MISSISSIPPI COMMUNITY
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0INVESTMENT CORPORATION
ReturnHeader/Filer/BusinessNameControlTxt0SOUT
ReturnHeader/Filer/EIN0640833343
ReturnHeader/Filer/PhoneNum06012967500
ReturnHeader/Filer/USAddress/AddressLine1Txt0ONE CONVENTION CENTER PLAZA
ReturnHeader/Filer/USAddress/CityNm0HATTIESBURG
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MS
ReturnHeader/Filer/USAddress/ZIPCd039401
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0205857627
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0TMH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0P O DRAWER 15099
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0HATTIESBURG
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0394045099
ReturnHeader/PreparerPersonGrp/PhoneNum06012643519
ReturnHeader/PreparerPersonGrp/PreparationDt02025-09-25
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0PAIGE M JOHNSON CPA
ReturnHeader/ReturnTs02025-09-25T16:26:25-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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