Civic Intelligence

Smart Financial Credit Union

990 • Fiscal year 2014 • EIN 74-0695355

Jan 01, 2014 to Dec 31, 2014 • Filed on Jul 28, 2015

Organization ProfileWWW.SMARTCU.ORG

View Organization Page

6051 North Course DriveHouston, TX 77072

(713) 850-1600

Siviq Scores

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

Liabilities / Assets

93rd percentile

0.92x

Higher debt load relative to assets than 93% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Liabilities / Revenue

22nd percentile

14.99x

Higher debt load relative to revenue than 22% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Net Margin

14th percentile

6.7%

Higher net margin than 14% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Top Officer Pay

80th percentile

$551,822

Higher top officer pay than 80% of similar nonprofits.

Top officer pay equals 1.5% of source-year revenue.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Asset Growth

78th percentile

8.3%

Faster asset growth than 78% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2013 to 2014

Revenue Growth

49th percentile

1.9%

Faster revenue growth than 49% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets93rd percentile

Assets

Up

$607,991,262

Up $46,569,179 (+8.3%) from 2013

Net Assets

Down

$48,605,731

Down $107,348 (-0.2%) from 2013

Liabilities

Up

$559,385,531

Up $46,676,527 (+9.1%) from 2013

Revenue And Expenses
Liabilities / Revenue22nd percentileNet Margin14th percentile

Revenue

Up

$37,312,735

Up $693,069 (+1.9%) from 2013

Expenses

Up

$34,812,269

Up $1,931,836 (+5.9%) from 2013

Net Income

Down

$2,500,466

Down $1,238,767 (-33%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth78th percentile

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

$1.0B$500M$0Assets 2010: $445,090,850Liabilities 2010: $410,576,060Net Assets 2010: $34,514,7902010Assets 2011: $481,975,837Liabilities 2011: $447,324,700Net Assets 2011: $34,651,1372011Assets 2012: $527,682,058Liabilities 2012: $487,147,161Net Assets 2012: $40,534,8972012Assets 2013: $561,422,083Liabilities 2013: $512,709,004Net Assets 2013: $48,713,0792013Assets 2014: $607,991,262Liabilities 2014: $559,385,531Net Assets 2014: $48,605,7312014Assets 2015: $632,836,512Liabilities 2015: $581,888,835Net Assets 2015: $50,947,6772015Assets 2016: $649,586,275Liabilities 2016: $596,255,627Net Assets 2016: $53,330,6482016Assets 2017: $700,073,087Liabilities 2017: $644,934,647Net Assets 2017: $55,138,4402017Assets 2018: $686,964,169Liabilities 2018: $624,394,204Net Assets 2018: $62,569,9652018Assets 2019: $699,427,314Liabilities 2019: $635,411,921Net Assets 2019: $64,015,3932019Assets 2020: $785,559,214Liabilities 2020: $724,817,746Net Assets 2020: $60,741,4682020Assets 2021: $863,045,485Liabilities 2021: $794,413,867Net Assets 2021: $68,631,6182021Assets 2022: $858,528,681Liabilities 2022: $794,573,403Net Assets 2022: $63,955,2782022Assets 2023: $848,281,672Liabilities 2023: $776,160,257Net Assets 2023: $72,121,4152023Assets 2024: $783,377,617Liabilities 2024: $698,361,063Net Assets 2024: $85,016,5542024

Highlighted filing

2014

Assets$607,991,262
Liabilities$559,385,531
Net Assets$48,605,731
Open 2014 Filing

Operations Trend

Revenue Growth49th percentile

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

$60M$40M$20M$0-$20MExpenses 2010: $31,296,8632010Expenses 2011: $32,064,8102011Revenue 2012: $35,791,133Expenses 2012: $31,262,591Net Income 2012: $4,528,5422012Revenue 2013: $36,619,666Expenses 2013: $32,880,433Net Income 2013: $3,739,2332013Revenue 2014: $37,312,735Expenses 2014: $34,812,269Net Income 2014: $2,500,4662014Revenue 2015: $40,989,328Expenses 2015: $35,701,426Net Income 2015: $5,287,9022015Revenue 2016: $41,376,873Expenses 2016: $39,474,333Net Income 2016: $1,902,5402016Revenue 2017: $41,143,914Expenses 2017: $38,926,554Net Income 2017: $2,217,3602017Revenue 2018: $42,899,533Expenses 2018: $38,353,223Net Income 2018: $4,546,3102018Revenue 2019: $43,400,030Expenses 2019: $39,560,547Net Income 2019: $3,839,4832019Revenue 2020: $37,952,681Expenses 2020: $38,345,111Net Income 2020: -$392,4302020Revenue 2021: $34,269,474Expenses 2021: $30,250,714Net Income 2021: $4,018,7602021Revenue 2022: $39,299,069Expenses 2022: $34,267,295Net Income 2022: $5,031,7742022Revenue 2023: $46,366,482Expenses 2023: $43,302,703Net Income 2023: $3,063,7792023Revenue 2024: $47,907,359Expenses 2024: $45,848,422Net Income 2024: $2,058,9372024

Highlighted filing

2014

Revenue$37,312,735
Expenses$34,812,269
Net Income$2,500,466
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Jul 28, 2015
Return Version
2014v5.0
Gross Receipts
$37,312,735
Mission and Program Overview

Mission

Advocate. Relate. Educate.

To provide superior service to every member.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$293,211,340$320,911,869▲ $27,700,529
Investments Other Securities$125,008,218$159,337,397▲ $34,329,179
Rtn Earn Endowment Incm Other Fnds$48,713,079$48,605,731▼ $107,348
Cash and Non-Interest-Bearing Accounts$14,547,482$33,396,544▲ $18,849,062
Land, Buildings, and Equipment, Net$25,294,281$28,101,922▲ $2,807,641
Savings and Temporary Cash Investments$58,251,438$20,269,897▼ $37,981,541
Accounts Receivable$15,356,285$17,655,745▲ $2,299,460
Receivables From Officers Etc$5,393,070$5,418,363▲ $25,293
Prepaid Expenses and Deferred Charges$692,128$1,102,898▲ $410,770
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$561,422,083$607,991,262▲ $46,569,179
Other Assets Total$23,667,841$21,796,627▼ $1,871,214
Liabilities
Other Liabilities$501,534,960$546,138,797▲ $44,603,837
Accounts Payable and Accrued Expenses$11,058,451$12,965,819▲ $1,907,368
Escrow Account Liability$115,593$280,915▲ $165,322
Total Liabilities$512,709,004$559,385,531▲ $46,676,527
Net Assets / Fund Balance
Total Net Assets Fund Balance$48,713,079$48,605,731▼ $107,348
Total Liabilities and Net Assets / Fund Balance$561,422,083$607,991,262▲ $46,569,179

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$17,893,131$2,538,370$20,431,501
Other Land Buildings$5,017,020$13,707,702$18,724,722
Land$4,977,146-$4,977,146
Leasehold Improvements$214,625$437,063$651,688
Other Securities$1,275,622--
Compensation and Service Providers
Top Officer Pay80th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Gary TumaCEOFT$362,215$189,607$551,822
Linda WebsterExecutive VPFT$227,513$170,411$397,924
Leann KaczynskiCFOFT$180,549$124,173$304,722
Larry SeidlCLOFT$163,427$89,691$253,118
Susie SmithSVP Human ResourcesFT$161,112$89,524$250,636
Michael PiwetzCIOFT$136,875$92,793$229,668
Virginia SmithSVP Business DevelopmentFT$147,968$77,158$225,126
Gregory StirmanCommunity Development OfficerFT$120,009$36,705$156,714
Diane RayVP ControllerFT$113,275$30,206$143,481
Susan ChapmanVP Marketing StrategyFT$118,664$21,031$139,695
Nancy SchwindVP Branch OperationsFT$118,635$19,100$137,735
Corbin WilsonVP Channel Dev & IntegratiFT$118,684$16,491$135,175
Chad G GreerTreasurerPT$961-$961
Samuel MassieDirectorPT$829-$829

Board Members and Trustees

NameTitle
Douthulia GardnerChairman
Jeffrey W HamlinVice-chairman
Alys DoreDirector
Jan K SilvaDirector
Jean WrenDirector
Larry FrazierDirector
Maria DiazDirector
William YoungDirector
MICHAEL O'NEILLSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
Vantiv Holdings LLCCredit And Debit Card Processing8500 GOVERNORS HILL DRIVE, Symmes Township, OH 45249$1,579,604
Winstead PCLegal Services2728 HARWOOD STREET, Dallas, TX 75201$105,862
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$18,791,145
Investment Income
$1,209,105
Other Revenue
$17,312,485
Change in Net Assets
$2,500,466

Audited Revenue Reconciliation

Revenue per Audited Statements
$37,312,735
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$37,312,735
Total Revenue per Form 990
$37,312,735
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$18,438,393
Salaries, Compensation, and Employee Benefits$16,373,876
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$11,597,020
All Other Expenses---$2,298,283
Current Officers, Directors, Trustees, and Key Employees---$2,214,806
Occupancy---$2,209,027
Office Expenses---$2,113,743
Depreciation Depletion---$1,603,632
Interest---$1,582,163
Other Employee Benefits---$1,195,521
Payroll Taxes---$1,079,244
Advertising---$1,026,150
Information Technology---$776,733
Other Expenses---$681,995
Pension Plan Contributions---$287,285
Insurance---$191,383
Conferences and Meetings---$150,691
Fees for Services Accounting---$145,488
Travel---$93,988
Fees for Services Legal---$93,302
Total Functional Expenses$0$0$0$34,812,269

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$34,812,269
Total Expenses per Audited Statements$34,812,269
Total Expenses per Form 990$34,812,269
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$5,393,070$5,418,363▲ $25,293
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$546,138,642
Dividends Payable$155
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 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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union is owned by its members.”

Form 990, Part VI, Section A, Line 7A

“The credit union has eleven board members elected to three-year terms. The members meet annually to elect the board of director open positions.”

Form 990, Part VI, Section A, Line 7B

“The members elect the board of directors and vote to dissolve or merge the credit union.”

Form 990, Part VI, Section B, Line 11

“A copy of the form 990 is presented at a regularly scheduled board meeting before filing.”

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

“The loss prevention analyst/compliance officer reminds the staff via e-mail semiannually of the requirements of the conflict of interest policy.”

Form 990, Part VI, Section B, Line 15

“The compensation committee enlists an independent compensation consultant to determine the ceo's compensation. Comparability data is used for arriving at compensation amounts for other officers and key employees.”

Form 990, Part VI, Section C, Line 19

“Copies of the financial statements are displayed at the branches. The governing documents, conflict of interest policy, and the financial statements are available upon request.”

Filing and Contact Details

Filer

Filer Name
Smart Financial Credit Union
EIN
74-0695355
Phone
7138501600
Address
6051 NORTH COURSE DRIVE, HOUSTON, TX 77072

Signing Officer

Name
Gary Tuma
Title
CEO
Phone
7138501600
Signed
2015-07-28

Organization Details

Principal Officer
Gary Tuma
Formed
1934
Legal Domicile
TX
Voting Board Members
11
Independent Board Members
11
Employees
409
Volunteers
15

Preparer

Firm
Hutto & Carver Pa
Address
200 E GOVERNMENT ST STE 110, PENSACOLA, FL 32502
Preparer
Harold S Hutto Jr CPA
Phone
8504385299
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Fasb asc 715 pension adjustment -2,671,985.”

Financial Statement Notes

PART IV, LINE 2B:

“The credit union holds escrowed funds for the payment of property taxes and homeowners' insurance as a service to our members who have mortgages with the credit union.”

PART X, LINE 2:

“Effective january 1, 2009, the credit union implemented the new accounting requirements associated with uncertainty in income taxes using the provisions of fasb asc 740, income taxes. The guidance prescribes a minimum recognition threshold and measurement methodology that a tax position taken or expected to be taken in a tax return is required before being recognized in the financial statements. It also provided guidance for derecognition, classification, interest and penalties, accounting in interim periods, disclosure and transition. As of december 31, 2014, the credit union has no uncertain tax positions that qualify for either recognition or disclosure in the financial statements. Additionally, there were no interest and penalties related to income taxes. With few exceptions, the credit union is no longer subject to u.s. Federal, state, and local income tax examinations by tax authorities for years before 2011.”

Raw XML AppendixShowing 400 of 692 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/PersonNm5CHAD G GREER
IRS990/Form990PartVIISectionAGrp/PersonNm6JEAN WREN
IRS990/Form990PartVIISectionAGrp/PersonNm7WILLIAM YOUNG
IRS990/Form990PartVIISectionAGrp/PersonNm8JEFFREY W HAMLIN
IRS990/Form990PartVIISectionAGrp/PersonNm9MICHAEL O'NEILL
IRS990/Form990PartVIISectionAGrp/PersonNm10MARIA DIAZ
IRS990/Form990PartVIISectionAGrp/PersonNm11GARY TUMA
IRS990/Form990PartVIISectionAGrp/PersonNm12LEANN KACZYNSKI
IRS990/Form990PartVIISectionAGrp/PersonNm13LINDA WEBSTER
IRS990/Form990PartVIISectionAGrp/PersonNm14VIRGINIA SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm15MICHAEL PIWETZ
IRS990/Form990PartVIISectionAGrp/PersonNm16LARRY SEIDL
IRS990/Form990PartVIISectionAGrp/PersonNm17SUSIE SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm18GREGORY STIRMAN
IRS990/Form990PartVIISectionAGrp/PersonNm19CORBIN WILSON
IRS990/Form990PartVIISectionAGrp/PersonNm20SUSAN CHAPMAN
IRS990/Form990PartVIISectionAGrp/PersonNm21NANCY SCHWIND
IRS990/Form990PartVIISectionAGrp/PersonNm22DIANE RAY
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13266843
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14164740
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15158768
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16182490
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17180484
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18121782
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19118684
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20118664
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21118635
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt22113275
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IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8VICE-CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt9SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt12CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt13EXECUTIVE VP
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP BUSINESS DEVELOPMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt15CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt16CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt17SVP HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt18COMMUNITY DEVELOPMENT OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP CHANNEL DEV & INTEGRATI
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP MARKETING STRATEGY
IRS990/Form990PartVIISectionAGrp/TitleTxt21VP BRANCH OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt22VP CONTROLLER
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01934
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt011
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt037312735
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt011
IRS990/IndivRcvdGreaterThan100KCnt014
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0776733
IRS990/InsuranceGrp/TotalAmt0191383
IRS990/InterestGrp/TotalAmt01582163
IRS990/InvestmentIncomeGrp/ExclusionAmt01209105
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01209105
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0125008218
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0159337397
IRS990/IRPDocumentCnt024846
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt016683135
IRS990/LandBldgEquipBasisNetGrp/BOYAmt025294281
IRS990/LandBldgEquipBasisNetGrp/EOYAmt028101922
IRS990/LandBldgEquipCostOrOtherBssAmt044785057
IRS990/LegalDomicileStateCd0TX
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE SUPERIOR SERVICE TO EVERY MEMBER.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt048713079
IRS990/NetAssetsOrFundBalancesEOYAmt048605731
IRS990/NetUnrelatedBusTxblIncmAmt0-58609
IRS990/NetUnrlzdGainsLossesInvstAmt064171
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt02209027
IRS990/OfficeExpensesGrp/TotalAmt02113743
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt023667841
IRS990/OtherAssetsTotalGrp/EOYAmt021796627
IRS990/OtherChangesInNetAssetsAmt0-2671985
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01195521
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1DEBIT CARD EXPENSES
IRS990/OtherExpensesGrp/Desc2WRITE OFF EXPENSE
IRS990/OtherExpensesGrp/Desc3PROFESSIONAL SERVICES
IRS990/OtherExpensesGrp/TotalAmt02973427
IRS990/OtherExpensesGrp/TotalAmt11635185
IRS990/OtherExpensesGrp/TotalAmt2863203
IRS990/OtherExpensesGrp/TotalAmt3681995
IRS990/OtherLiabilitiesGrp/BOYAmt0501534960
IRS990/OtherLiabilitiesGrp/EOYAmt0546138797
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/BusinessCd2522100
IRS990/OtherRevenueMiscGrp/Desc0SERVICE FEES & MISC INCOME
IRS990/OtherRevenueMiscGrp/Desc1SHARED BRANCH, INSURANCE, & OTHER
IRS990/OtherRevenueMiscGrp/Desc2FOREIGN ATM FEES
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt014739790
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt12461185
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt014739790
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt12461185
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2111510
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt0111510
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IRS990/OtherSalariesAndWagesGrp/TotalAmt011597020
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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0320911869
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IRS990/PayrollTaxesGrp/TotalAmt01079244
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0287285
IRS990/PoliticalCampaignActyInd00
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01102898
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IRS990/PYOtherRevenueAmt017614158
IRS990/PYProgramServiceRevenueAmt017263770
IRS990/PYRevenuesLessExpensesAmt03739233
IRS990/PYSalariesCompEmpBnftPaidAmt015079802
IRS990/PYTotalExpensesAmt032880433
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt036619666
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt05393070
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt05418363
IRS990/ReconcilationRevenueExpnssAmt02500466
IRS990/RegularMonitoringEnfrcInd01
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IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt048605731
IRS990/SavingsAndTempCashInvstGrp/BOYAmt058251438
IRS990/SavingsAndTempCashInvstGrp/EOYAmt020269897
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt017893131
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02538370
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt020431501
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt034812269
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt04977146
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt04977146
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0214625
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0437063
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0651688
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt05017020
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt013707702
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt018724722

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$607,991,262
Liabilities
$559,385,531
Net assets
$48,605,731
Revenue
$37,312,735
Expenses
$34,812,269
Net income
$2,500,466
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$783$698$85.0$47.9$45.8$2.06
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$848$776$72.1$46.4$43.3$3.06
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$859$795$64.0$39.3$34.3$5.03
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$863$794$68.6$34.3$30.3$4.02
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$786$725$60.7$38.0$38.3$0.39
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$699$635$64.0$43.4$39.6$3.84
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$687$624$62.6$42.9$38.4$4.55
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$700$645$55.1$41.1$38.9$2.22
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$650$596$53.3$41.4$39.5$1.90
2015Detailed filing. Detailed filing data is available for this year.$633$582$50.9$41.0$35.7$5.29
2014Detailed filing. Detailed filing data is available for this year.$608$559$48.6$37.3$34.8$2.50
2013Detailed filing. Detailed filing data is available for this year.$561$513$48.7$36.6$32.9$3.74
2012Summary only. Only limited summary data is available for this year.$528$487$40.5$35.8$31.3$4.53
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$482$447$34.7$32.1
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$445$411$34.5$31.3