Civic Intelligence

River Communities Fiduciary Services Inc

EIN 81-3390257 • 501(c)3 • Ambridge, PA

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Profile

To make our services accessible to all individuals in need of support that will help them improve their quality of life and protect their assets. Through the river communities fiduciary services common trust,

2097 Duss AvenueAmbridge, PA 15003

n/A

Siviq Scores

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

Liabilities / Assets

93rd percentile

0.99x

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

501(c)3 • $5M-$10M nonprofits • Source year 2024

Liabilities / Revenue

98th percentile

13.63x

Higher debt load relative to revenue than 98% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Net Margin

66th percentile

13%

Higher net margin than 66% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Top Officer Pay

27th percentile

$53,000

Higher top officer pay than 27% of similar nonprofits.

Top officer pay equals 7.7% of source-year revenue.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Asset Growth

30th percentile

-1.7%

Faster asset growth than 30% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Revenue Growth

77th percentile

33%

Faster revenue growth than 77% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets93rd percentile

Assets

Down

$9,454,974

Down $160,736 (-1.7%) from 2023

Liabilities

Down

$9,319,249

Down $252,334 (-2.6%) from 2023

Net Assets

Up

$135,725

Up $91,598 (+208%) from 2023

Operations
Liabilities / Revenue98th percentileNet Margin66th percentile

Revenue

Up

$683,934

Up $168,465 (+33%) from 2023

Expenses

Down

$592,336

Down $8,480 (-1.4%) from 2023

Net Income

Up

$91,598

Up $176,945 (+207%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth30th percentile

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

$10M$5.0M$0Assets 2017: $260,131Liabilities 2017: $95,260Net Assets 2017: $164,8712017Assets 2018: $2,230,720Liabilities 2018: $2,188,204Net Assets 2018: $42,5162018Assets 2019: $5,056,708Liabilities 2019: $4,937,024Net Assets 2019: $119,6842019Assets 2020: $6,551,898Liabilities 2020: $6,500,156Net Assets 2020: $51,7422020Assets 2021: $6,089,119Liabilities 2021: $6,042,243Net Assets 2021: $46,8762021Assets 2022: $7,422,406Liabilities 2022: $7,292,932Net Assets 2022: $129,4742022Assets 2023: $9,615,710Liabilities 2023: $9,571,583Net Assets 2023: $44,1272023Assets 2024: $9,454,974Liabilities 2024: $9,319,249Net Assets 2024: $135,7252024

Highlighted filing

2024

Assets$9,454,974
Liabilities$9,319,249
Net Assets$135,725
Open 2024 Filing

Operations Trend

Revenue Growth77th percentile

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

$1.0M$500K$0-$500KRevenue 2017: $303,768Expenses 2017: $130,906Net Income 2017: $172,8622017Revenue 2018: $133,561Expenses 2018: $255,916Net Income 2018: -$122,3552018Revenue 2019: $399,216Expenses 2019: $322,048Net Income 2019: $77,1682019Revenue 2020: $329,659Expenses 2020: $397,601Net Income 2020: -$67,9422020Revenue 2021: $398,642Expenses 2021: $403,508Net Income 2021: -$4,8662021Revenue 2022: $569,919Expenses 2022: $629,541Net Income 2022: -$59,6222022Revenue 2023: $515,469Expenses 2023: $600,816Net Income 2023: -$85,3472023Revenue 2024: $683,934Expenses 2024: $592,336Net Income 2024: $91,5982024

Highlighted filing

2024

Revenue$683,934
Expenses$592,336
Net Income$91,598
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$9,454,974
Liabilities
$9,319,249
Net assets
$135,725
Revenue
$683,934
Expenses
$592,336
Net income
$91,598
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$9.45$9.32$0.14$0.68$0.59$0.09
2023Detailed filing. Detailed filing data is available for this year.$9.62$9.57$0.04$0.52$0.60$0.09
2022Detailed filing. Detailed filing data is available for this year.$7.42$7.29$0.13$0.57$0.63$0.06
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.09$6.04$0.05$0.40$0.40$0.00
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.55$6.50$0.05$0.33$0.40$0.07
2019Detailed filing. Detailed filing data is available for this year.$5.06$4.94$0.12$0.40$0.32$0.08
2018Detailed filing. Detailed filing data is available for this year.$2.23$2.19$0.04$0.13$0.26$0.12
2017Detailed filing. Detailed filing data is available for this year.$0.26$0.10$0.16$0.30$0.13$0.17
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 4, 2025
Return Version
2024v5.2
Gross Receipts
$683,934
Mission and Program Overview

Mission

To make our services accessible to all individuals in need of support that will help them improve their quality of life and protect their assets. Through the river communities fiduciary services common trust,

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$9,294,226$8,956,515▼ $337,711
Land, Buildings, and Equipment, Net$192,827$209,322▲ $16,495
Accounts Receivable$64,250$176,543▲ $112,293
Rtn Earn Endowment Incm Other Fnds$44,127$135,725▲ $91,598
Cash and Non-Interest-Bearing Accounts$39,219$85,407▲ $46,188
Loans From Officers Directors$26,738$29,539▲ $2,801
Receivables From Officers Etc$25,188$27,187▲ $1,999
Other Notes and Loans Receivable, Net$0--
Total Assets$9,615,710$9,454,974▼ $160,736
Liabilities
Escrow Account Liability$9,294,226$8,956,515▼ $337,711
Unsecured Notes Loans Payable$105,226$192,631▲ $87,405
Mortgage Notes Payable Secured by Investment Property$140,750$121,028▼ $19,722
Other Liabilities-$19,536-
Accounts Payable and Accrued Expenses$4,643$0▼ $4,643
Total Liabilities$9,571,583$9,319,249▼ $252,334
Net Assets / Fund Balance
Total Net Assets Fund Balance$44,127$135,725▲ $91,598
Total Liabilities and Net Assets / Fund Balance$9,615,710$9,454,974▼ $160,736

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$8,956,515--
Buildings$161,417$18,660-
Land$6,162--
Equipment$8,787$29,055-
Leasehold Improvements$32,956$1,543-
Compensation and Service Providers
Top Officer Pay27th percentile

Employees

NameTitleFull / Part TimeBaseTotal
ERIC O'CONNORTreasurerFT$53,000$53,000
Richard HowardBoard MemberFT$53,000$53,000
ERIC O'CONNER--$53,000$53,000

Board Members and Trustees

NameTitle
Kim OrlandoChairwoman
Patricia HansonVice Chair
Alonda MillerBoard Member
Greg DitullioBoard Member
James TurnbullBoard Member
Alex GloorSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$20
Program Service Revenue
$683,914
Investment Income
$0
Other Revenue
$0
All Other Contributions
$20
Change in Net Assets
$91,598
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$357,854
Other Expenses$234,482
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$222,503$0$0$222,503
Current Officers, Directors, Trustees, and Key Employees$84,800$21,200$0$106,000
Insurance$44,680$20,538$0$65,218
Office Expenses$0$46,478$0$46,478
Fees for Services Legal$13,315$25,525$0$38,840
Payroll Taxes$27,504$1,847$0$29,351
Interest$0$18,943$0$18,943
All Other Expenses$14,064$331$0$14,395
Depreciation Depletion$0$9,940$0$9,940
Conferences and Meetings$5,672$0$0$5,672
Fees for Services Accounting$0$5,418$0$5,418
Advertising$0$4,521$0$4,521
Fees for Services Other$2,683$1,279$0$3,962
Other Expenses$554$554$0$1,108
Travel$481$0$0$481
Total Functional Expenses$417,528$174,808$0$592,336
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
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$26,738$29,539▲ $2,801
Receivables from Officers, Directors, Trustees, and Key Employees$25,188$27,187▲ $1,999
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Credit Card Payable$19,536
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
Yes
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
River Communities Fiduciary Services Inc
EIN
81-3390257
Phone
7243858492
Address
2097 Duss Avenue, Ambridge, PA 15003

Signing Officer

Name
ERIC O'CONNOR
Title
Vice President
Phone
7243858492
Signed
2025-11-04
Discuss with paid preparer
Yes

Organization Details

Principal Officer
ERIC O'CONNOR
Formed
2016
Legal Domicile
Pa
Voting Board Members
8
Independent Board Members
6
Employees
10
Volunteers
0

Preparer

Firm
Theresa M Laderer CPA
Address
153 RIDGEMONT DR, DARLINGTON, PA 16115
Preparer
Theresa Laderer
Phone
7244944411
Supplemental Narrative

Additional Explanations

Other

“FORM 990, PART i, LINE 1, DESCRIPTION OF ORGANIZATION MISSION (CONTINUED): WE PROTECT CLIENT FUNDS WITHOUT RISKING ELIGIBILITY FOR MEANS-TESTED BENEFITS SUCH AS MEDICAID AND SSI. WE WORK CLOSELY WITH YOUR PERSONAL INJURY ATTORNEYS CLASS ACTION FIRM, AND SETTLEMENT SPECIALISTS TO HELP ENHANCE THE QUALITY OF SERVICE WE PROVIDE.”

Pt VI, Line 8A

“The organization keeps minutes of all meetings”

Pt VI, Line 8B

“The organization keeps minutes of all meetings”

Pt VI, Line 11B

“All board members given opportunity to review 990 before filing”

Pt VI, Line 19

“Governing documents, policies and financial statements made available to public upon request.”

Pt VI, Line 12C

“Board members and key employees meet regularly and discuss any issues that may cause conflict of interest”

Financial Statement Notes

Pt IV, Line 2B

“Rcfs maintains a common fund for its agent, guardianship, trustee, and pooled trust clients to provide for their needs and/or special needs.”

Raw XML AppendixShowing 400 of 530 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/OtherExpensesGrp/Desc1UTILITIES
IRS990/OtherExpensesGrp/Desc2MEALS
IRS990/OtherExpensesGrp/Desc3MEMBERSHIP FEES
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/FundraisingAmt30
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt07079
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt111155
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt3554
IRS990/OtherExpensesGrp/ProgramServicesAmt00
IRS990/OtherExpensesGrp/ProgramServicesAmt10
IRS990/OtherExpensesGrp/ProgramServicesAmt21272
IRS990/OtherExpensesGrp/ProgramServicesAmt3554
IRS990/OtherExpensesGrp/TotalAmt07079
IRS990/OtherExpensesGrp/TotalAmt111155
IRS990/OtherExpensesGrp/TotalAmt21272
IRS990/OtherExpensesGrp/TotalAmt31108
IRS990/OtherLiabilitiesGrp/EOYAmt019536
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0222503
IRS990/OtherSalariesAndWagesGrp/TotalAmt0222503
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt00
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt01847
IRS990/PayrollTaxesGrp/ProgramServicesAmt027504
IRS990/PayrollTaxesGrp/TotalAmt029351
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfficerNm0ERIC O'CONNOR
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0525920
IRS990/ProgramServiceRevenueGrp/BusinessCd1525920
IRS990/ProgramServiceRevenueGrp/BusinessCd2525920
IRS990/ProgramServiceRevenueGrp/BusinessCd3525920
IRS990/ProgramServiceRevenueGrp/BusinessCd4525920
IRS990/ProgramServiceRevenueGrp/Desc0TRUSTEE FEES
IRS990/ProgramServiceRevenueGrp/Desc1POOLED TRUST FEES
IRS990/ProgramServiceRevenueGrp/Desc2GUARDIANSHIP FEES
IRS990/ProgramServiceRevenueGrp/Desc3ESTATE ADMIN FEES
IRS990/ProgramServiceRevenueGrp/Desc4CLIENT REAL ESTATE MGMT FEES
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/ExclusionAmt30
IRS990/ProgramServiceRevenueGrp/ExclusionAmt40
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0114967
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1130143
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2226455
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3176250
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt432483
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt30
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt40
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt014116
IRS990/PYExcessBenefitTransInd0false
IRS990/PYOtherExpensesAmt0250446
IRS990/PYProgramServiceRevenueAmt0501353
IRS990/PYRevenuesLessExpensesAmt0-85347
IRS990/PYSalariesCompEmpBnftPaidAmt0350370
IRS990/PYTotalExpensesAmt0600816
IRS990/PYTotalRevenueAmt0515469
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt025188
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt027187
IRS990/ReconcilationRevenueExpnssAmt091598
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RevenueAmt0683914
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt044127
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0135725
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt020
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt0207
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt038
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt032030
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt09
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt032304
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt07240
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt07240
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt0683914
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt0503153
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt0557930
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt0359372
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt0321150
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt02425519
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/TotalAmt00
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt07240
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt07240
IRS990ScheduleA/InvestmentIncomeCYPct00.00290
IRS990ScheduleA/InvestmentIncomePYPct00.00330
IRS990ScheduleA/OtherSupportSumAmt00
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00
IRS990ScheduleA/PublicSupportCY509Pct00.99710
IRS990ScheduleA/PublicSupportPY509Pct00.99670
IRS990ScheduleA/PublicSupportTotal509Amt02457823
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt00
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft509Grp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt0683934
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt0503360
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt0557968
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt0391402
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0321159
IRS990ScheduleA/Total509Grp/TotalAmt02457823
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt02465063
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/AgentTrusteeEtcInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0161417
IRS990ScheduleD/BuildingsGrp/DepreciationAmt018660
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0180077
IRS990ScheduleD/EquipmentGrp/BookValueAmt08787
IRS990ScheduleD/EquipmentGrp/DepreciationAmt029055
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt037842
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0true
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt08956515
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0RCFS POOLED TRUST FUND
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0F
IRS990ScheduleD/LandGrp/BookValueAmt06162
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt06162
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt032956
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt01543
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt034499
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt019536
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0CREDIT CARD PAYABLE
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0RCFS MAINTAINS A COMMON FUND FOR ITS AGENT, GUARDIANSHIP, TRUSTEE, AND POOLED TRUST CLIENTS TO PROVIDE FOR THEIR NEEDS AND/OR SPECIAL NEEDS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt IV, Line 2b
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0209322
IRS990ScheduleD/TotalBookValueProgramRltdAmt08956515
IRS990ScheduleD/TotalLiabilityAmt019536
IRS990ScheduleJ/AnyNonFixedPaymentsInd0false
IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd0false
IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd0false
IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd0false
IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd0false
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990ScheduleJ/InitialContractExceptionInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt053000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt09424
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0ERIC O'CONNER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt053000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt09424
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0Part II Executive Vice President receives commission for Life Insurance Policies and Medicaid Compliant Annuity contracts with Life Insurance companies that service clients, through his insurance agency.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0Other
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt014770
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt114769
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt227187

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