Civic Intelligence

Florida Community Loan Fund Inc

EIN 65-0545058 • 501(c)3 • Orlando, FL

View Organization Page

Profile

Vision: opportunity and dignity exist for every person and community in florida.mission: our expertise and capital make projects successful and help organizations improve lives and communities.

800 N Magnolia Ave 106Orlando, FL 32803

www.fclf.org

Siviq Scores

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

Liabilities / Assets

78th percentile

0.67x

Higher debt load relative to assets than 78% of similar nonprofits.

501(c)3 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

95th percentile

8.19x

Higher debt load relative to revenue than 95% of similar nonprofits.

501(c)3 • $100M-$250M nonprofits • Source year 2024

Net Margin

91st percentile

48%

Higher net margin than 91% of similar nonprofits.

501(c)3 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

37th percentile

$389,213

Higher top officer pay than 37% of similar nonprofits.

Top officer pay equals 2.7% of source-year revenue.

501(c)3 • $100M-$250M nonprofits • Source year 2024

Asset Growth

88th percentile

22%

Faster asset growth than 88% of similar nonprofits.

501(c)3 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

20th percentile

-3.7%

Faster revenue growth than 20% of similar nonprofits.

501(c)3 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets78th percentile

Assets

Up

$179,958,433

Up $32,053,890 (+22%) from 2023

Liabilities

Up

$119,829,342

Up $25,307,144 (+27%) from 2023

Net Assets

Up

$60,129,091

Up $6,746,746 (+13%) from 2023

Operations
Liabilities / Revenue95th percentileNet Margin91st percentile

Revenue

Down

$14,629,383

Down $556,424 (-3.7%) from 2023

Expenses

Down

$7,625,492

Down $481,505 (-5.9%) from 2023

Net Income

Down

$7,003,891

Down $74,919 (-1.1%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth88th percentile

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

$200M$150M$100M$50M$0Assets 2011: $27,694,359Liabilities 2011: $16,067,627Net Assets 2011: $11,626,7322011Assets 2012: $28,496,501Liabilities 2012: $12,855,813Net Assets 2012: $15,640,6882012Assets 2013: $31,733,926Liabilities 2013: $14,597,634Net Assets 2013: $17,136,2922013Assets 2014: $43,039,952Liabilities 2014: $23,311,152Net Assets 2014: $19,728,8002014Assets 2015: $50,741,097Liabilities 2015: $29,637,400Net Assets 2015: $21,103,6972015Assets 2016: $59,306,184Liabilities 2016: $33,904,352Net Assets 2016: $25,401,8322016Assets 2017: $64,992,207Liabilities 2017: $36,074,191Net Assets 2017: $28,918,0162017Assets 2018: $71,385,549Liabilities 2018: $40,005,332Net Assets 2018: $31,380,2172018Assets 2019: $87,502,239Liabilities 2019: $50,874,048Net Assets 2019: $36,628,1912019Assets 2020: $98,278,953Liabilities 2020: $58,030,840Net Assets 2020: $40,248,1132020Assets 2021: $108,210,727Liabilities 2021: $65,338,227Net Assets 2021: $42,872,5002021Assets 2022: $127,872,101Liabilities 2022: $81,533,591Net Assets 2022: $46,338,5102022Assets 2023: $147,904,543Liabilities 2023: $94,522,198Net Assets 2023: $53,382,3452023Assets 2024: $179,958,433Liabilities 2024: $119,829,342Net Assets 2024: $60,129,0912024

Highlighted filing

2024

Assets$179,958,433
Liabilities$119,829,342
Net Assets$60,129,091
Open 2024 Filing

Operations Trend

Revenue Growth20th percentile

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

$20M$15M$10M$5.0M$0Expenses 2011: $2,229,0182011Expenses 2012: $2,112,2162012Expenses 2013: $2,092,5222013Revenue 2014: $5,486,848Expenses 2014: $2,894,340Net Income 2014: $2,592,5082014Revenue 2015: $4,532,604Expenses 2015: $3,157,707Net Income 2015: $1,374,8972015Revenue 2016: $8,018,836Expenses 2016: $3,720,701Net Income 2016: $4,298,1352016Revenue 2017: $7,699,577Expenses 2017: $4,183,393Net Income 2017: $3,516,1842017Revenue 2018: $6,791,504Expenses 2018: $4,199,283Net Income 2018: $2,592,2212018Revenue 2019: $9,941,054Expenses 2019: $4,854,350Net Income 2019: $5,086,7042019Revenue 2020: $9,464,773Expenses 2020: $5,949,648Net Income 2020: $3,515,1252020Revenue 2021: $7,672,092Expenses 2021: $4,924,352Net Income 2021: $2,747,7402021Revenue 2022: $9,380,993Expenses 2022: $5,352,341Net Income 2022: $4,028,6522022Revenue 2023: $15,185,807Expenses 2023: $8,106,997Net Income 2023: $7,078,8102023Revenue 2024: $14,629,383Expenses 2024: $7,625,492Net Income 2024: $7,003,8912024

Highlighted filing

2024

Revenue$14,629,383
Expenses$7,625,492
Net Income$7,003,891
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
$179,958,433
Liabilities
$119,829,342
Net assets
$60,129,091
Revenue
$14,629,383
Expenses
$7,625,492
Net income
$7,003,891
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$180$120$60.1$14.6$7.63$7.00
2023Summary only. Only limited summary data is available for this year.$148$94.5$53.4$15.2$8.11$7.08
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$128$81.5$46.3$9.38$5.35$4.03
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$108$65.3$42.9$7.67$4.92$2.75
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$98.3$58.0$40.2$9.46$5.95$3.52
2019Summary only. Only limited summary data is available for this year.$87.5$50.9$36.6$9.94$4.85$5.09
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$71.4$40.0$31.4$6.79$4.20$2.59
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$65.0$36.1$28.9$7.70$4.18$3.52
2016Detailed filing. Detailed filing data is available for this year.$59.3$33.9$25.4$8.02$3.72$4.30
2015Detailed filing. Detailed filing data is available for this year.$50.7$29.6$21.1$4.53$3.16$1.37
2014Detailed filing. Detailed filing data is available for this year.$43.0$23.3$19.7$5.49$2.89$2.59
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$31.7$14.6$17.1$2.09
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.5$12.9$15.6$2.11
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$27.7$16.1$11.6$2.23
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2023 to Jun 30, 2024
Signed
May 12, 2025
Return Version
2023v6.0
Gross Receipts
$18,980,866
Mission and Program Overview

Mission

Vision: opportunity and dignity exist for every person and community in florida.mission: our expertise and capital make projects successful and help organizations improve lives and communities.

To provide loans and technical assistance to nonprofit ormission-focused for-profit organizations to develop affordable housing,supportive housing (which includes social services for residents),community facilities, and economic development projects that have adirect and measurable impact to low income persons throughout the stateof florida.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$112,218,010$138,425,312▲ $26,207,302
Savings and Temporary Cash Investments$33,656,553$39,387,667▲ $5,731,114
Intangible Assets$1,511,035$1,256,275▼ $254,760
Land, Buildings, and Equipment, Net$174,995$182,506▲ $7,511
Investments in Publicly Traded Securities$92,392$137,017▲ $44,625
Prepaid Expenses and Deferred Charges$44,160$20,770▼ $23,390
Cash and Non-Interest-Bearing Accounts$1,342$1,566▲ $224
Total Assets$147,904,543$179,958,433▲ $32,053,890
Other Assets Total$206,056$547,320▲ $341,264
Liabilities
Unsecured Notes Loans Payable$73,804,737$98,662,093▲ $24,857,356
Other Liabilities$13,274,891$14,568,783▲ $1,293,892
Deferred Revenue$6,260,520$5,261,544▼ $998,976
Accounts Payable and Accrued Expenses$1,182,050$1,336,922▲ $154,872
Total Liabilities$94,522,198$119,829,342▲ $25,307,144
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$47,741,333$51,111,317▲ $3,369,984
Net Assets With Donor Restrictions$5,641,012$9,017,774▲ $3,376,762
Total Net Assets Fund Balance$53,382,345$60,129,091▲ $6,746,746
Total Liabilities and Net Assets / Fund Balance$147,904,543$179,958,433▲ $32,053,890

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$132,138$244,006$376,144
Leasehold Improvements$50,368$25,944$76,312
Compensation and Service Providers
Top Officer Pay37th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ignacio EstebanChief Executive OfficerFT$291,209$98,004$389,213
Nelson BlackChief Lending OfficerFT$247,415$79,200$326,615
Tammy ThomasChief Financial OfficerFT$247,238$78,062$325,300
James WalkerSr Comm Dev Loan OfficerFT$133,910$60,069$193,979
Jennifer RaineyLoan Portfolio ManagerFT$127,113$52,545$179,658
Janet DegueheryComm & Mkg MgrFT$115,893$49,300$165,193
Dwayne RankinComm Dev Loan OfficerFT$128,213$19,869$148,082
Anna PernellComm Dev Loan OfficerFT$123,508$20,602$144,110

Board Members and Trustees

NameTitle
Tina BrownChair (incoming)
Claire RaleyChair (outgoing), Board Member
Germaine Smith-baughVice Chair
Alfred ArzuagaBoard Member
Annie NeasmanBoard Member
David R PunzakBoard Member
Ernest ConeyBoard Member
John TalmadgeBoard Member
Lauren ButlerBoard Member
Ana CastillaBoard Member (outgoing)
Jack HumburgBoard Member (outgoing)
Judith RimbeyTreasurer, Board Member (outgoing)
Victor RiveraSecretary
Alecia DillonTreasurer (incoming)
Revenue and Support

Revenue Composition

Contributions and Grants
$5,596,994
Program Service Revenue
$8,313,920
Investment Income
$718,469
Other Revenue
$0
All Other Contributions
$846,994
Change in Net Assets
$7,003,891

Audited Revenue Reconciliation

Revenue per Audited Statements
$14,614,504
Revenue Not Reported on Financial Statements
$14,879
Revenue Not Reported on Form 990
$-158,401
Total Revenue per Audited Statements
$14,456,103
Total Revenue per Form 990
$14,629,383
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,571,656
Salaries, Compensation, and Employee Benefits$3,053,836
Total Fundraising Expense$277,775
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$2,418,881--$2,418,881
Other Salaries and Wages$981,189$425,429$104,325$1,510,943
Current Officers, Directors, Trustees, and Key Employees$583,481$252,989$62,039$898,509
Occupancy$230,342$75,045$18,403$323,790
Office Expenses$169,130$95,438$13,514$278,082
Other Employee Benefits$161,100$69,850$17,129$248,079
Payroll Taxes$139,537$60,502$14,836$214,875
Pension Plan Contributions$117,819$51,084$12,527$181,430
All Other Expenses$91,922--$91,922
Fees for Services Other$66,714$9,565$538$76,817
Fees for Services Legal$61,847$13,027-$74,874
Advertising$28,490-$31,808$60,298
Fees for Services Accounting-$57,225-$57,225
Other Expenses$55,188--$55,188
Depreciation Depletion$33,237$10,829$2,656$46,722
Fees for Service Investment Mgmnt Fees-$14,879-$14,879
Total Functional Expenses$6,211,855$1,135,862$277,775$7,625,492

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$7,709,357
Total Expenses per Form 990$7,625,492
Expenses per Audited Statements$7,610,613
Expenses Not Reported on Form 990$98,744
Expenses Not Reported on Financial Statements$14,879
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
Lobbying activity
Yes
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Equity Equiv Inv Pay (eq2)$13,312,500
Operating Lease Obligations$1,256,283
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
Yes
Other officer compensation reviewed
Yes
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 B, Line 11B

“The cfo presents the form 990 to the board of directors and finance committee electronically for review and comments before filing. All board members are provided a full copy of form 990.”

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

“Compliance with the conflict of interest policy is continuously reviewed and maintained at all board and committee meetings. For example, before a credit memo is presented for approval, any party with a conflict discloses the nature of the conflict and abstains from voting.”

Form 990, Part VI, Section B, Line 15

“Periodically, the organization performs a complete salary compensation review conducted by a consultant and reviewed/approved by the executive committee (serving as the compensation committee). The last salary review was completed in may 2023, with staff salaries (including ceo) reset to market rates as needed. Annually, the allowed salary ranges for all positions are adjusted based on trends in national salary budgets, with data provided by consultant.”

Form 990, Part VI, Section C, Line 18

“Governing documents, conflict of interest policy, and financial statements are available to the public upon request for the same period of disclosure as set forth by irc section 6104(d).”

Form 990, Part VI, Section C, Line 19

“Governing documents, conflict of interest policy, and financial statements are available to the public upon request for the same period of disclosure as set forth by irc section 6104(d).”

Filing and Contact Details

Filer

Filer Name
Florida Community Loan Fund Inc
EIN
65-0545058
Phone
4072460846
Address
800 N MAGNOLIA AVE 106, ORLANDO, FL 32803

Signing Officer

Name
Tammy Thomas
Title
Chief Financial Officer
Phone
4072460846
Signed
2025-05-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ignacio Esteban
Formed
1994
Legal Domicile
Fl
Voting Board Members
11
Independent Board Members
11
Employees
23
Volunteers
14

Preparer

Firm
Cohnreznick Advisory LLC
Address
14 SYLVAN WAY, PARSIPPANY, NJ 07054-3801
Preparer
Zachary Segal
Phone
9732283500
Supplemental Narrative

Financial Statement Notes

PART X, LINE 2:

“The organization is exempt from federal income taxes under section 501(c)(3) of the irc and from state income taxes under similar provisions of the florida statutes. Accordingly, no provision for federal and state income taxes has been recorded in the accompanying financial statements. In addition, management assessed whether there were any uncertain tax positions which may give rise to income tax liabilities and determined that there were no such matters requiring recognition in the accompanying financial statements. Generally, the loan fund is no longer subject to income tax examination by the u.s. Federal and state tax authorities for years before 2020.”

Raw XML AppendixShowing 400 of 684 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/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd7X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1427804
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1519862
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1621000
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1720602
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1819869
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1926569
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2021000
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2125245
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IRS990/Form990PartVIISectionAGrp/PersonNm1CLAIRE RALEY
IRS990/Form990PartVIISectionAGrp/PersonNm2GERMAINE SMITH-BAUGH
IRS990/Form990PartVIISectionAGrp/PersonNm3JUDITH RIMBEY
IRS990/Form990PartVIISectionAGrp/PersonNm4TINA BROWN
IRS990/Form990PartVIISectionAGrp/PersonNm5VICTOR RIVERA
IRS990/Form990PartVIISectionAGrp/PersonNm6ALFRED ARZUAGA
IRS990/Form990PartVIISectionAGrp/PersonNm7ANA CASTILLA
IRS990/Form990PartVIISectionAGrp/PersonNm8ANNIE NEASMAN
IRS990/Form990PartVIISectionAGrp/PersonNm9DAVID R PUNZAK
IRS990/Form990PartVIISectionAGrp/PersonNm10ERNEST CONEY
IRS990/Form990PartVIISectionAGrp/PersonNm11JACK HUMBURG
IRS990/Form990PartVIISectionAGrp/PersonNm12JOHN TALMADGE
IRS990/Form990PartVIISectionAGrp/PersonNm13LAUREN BUTLER
IRS990/Form990PartVIISectionAGrp/PersonNm14IGNACIO ESTEBAN
IRS990/Form990PartVIISectionAGrp/PersonNm15TAMMY THOMAS
IRS990/Form990PartVIISectionAGrp/PersonNm16NELSON BLACK
IRS990/Form990PartVIISectionAGrp/PersonNm17ANNA PERNELL
IRS990/Form990PartVIISectionAGrp/PersonNm18DWAYNE RANKIN
IRS990/Form990PartVIISectionAGrp/PersonNm19JAMES WALKER
IRS990/Form990PartVIISectionAGrp/PersonNm20JANET DEGUEHERY
IRS990/Form990PartVIISectionAGrp/PersonNm21JENNIFER RAINEY
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16305615
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17123508
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18128213
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19167410
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt210
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IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER, BOARD MEMBER (OUTGOING)
IRS990/Form990PartVIISectionAGrp/TitleTxt4CHAIR (INCOMING)
IRS990/Form990PartVIISectionAGrp/TitleTxt5SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER (OUTGOING)
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt11BOARD MEMBER (OUTGOING)
IRS990/Form990PartVIISectionAGrp/TitleTxt12BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt13BOARD MEMBER
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IRS990/Form990PartVIISectionAGrp/TitleTxt15CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt16CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt17COMM DEV LOAN OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt18COMM DEV LOAN OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt19SR COMM DEV LOAN OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt20COMM & MKG MGR
IRS990/Form990PartVIISectionAGrp/TitleTxt21LOAN PORTFOLIO MANAGER
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IRS990/FormationYr01994
IRS990/FormerOfcrEmployeesListedInd00
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IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
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IRS990/MinutesOfCommitteesInd01
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IRS990/PYTotalProfFndrsngExpnsAmt00
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IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt07003891
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
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IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt08313920
IRS990/SavingsAndTempCashInvstGrp/BOYAmt033656553
IRS990/SavingsAndTempCashInvstGrp/EOYAmt039387667
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt05596994

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