Civic Intelligence

First Community Capital Inc

EIN 84-3804891 • 501(c)3 • Temecula, CA

Profile

To foster economic justice and opportunity by providing access to capital and technical assistance to economically disadvantaged micro and rural businesses. Our emphasis is on those businesses owned by people of color including women, veterans, refugees, immigrants and individuals impacted by the justice system. Fcc also helps low and moderate income entrepreneurs who lack sufficient training and education to gain access to capital and thereby delivering long-term economic small business recovery and resillency.

26111 Ynez Road Suite B30Temecula, CA 92591
Siviq Scores

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

Liabilities / Assets

85th percentile

0.58x

Higher debt load relative to assets than 85% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

91st percentile

1.56x

Higher debt load relative to revenue than 91% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Net Margin

71st percentile

18%

Higher net margin than 71% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

72nd percentile

$114,400

Higher top officer pay than 72% of similar nonprofits.

Top officer pay equals 23.5% of source-year revenue.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Asset Growth

93rd percentile

73%

Faster asset growth than 93% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

29th percentile

-4.6%

Faster revenue growth than 29% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Assets

Up

$1,316,731

Up $557,193 (+73%) from 2023

Liabilities

Up

$760,218

Up $469,968 (+162%) from 2023

Net Assets

Up

$556,513

Up $87,225 (+19%) from 2023

Revenue

Down

$486,010

Down $23,344 (-4.6%) from 2023

Expenses

Up

$398,785

Up $149,219 (+60%) from 2023

Net Income

Down

$87,225

Down $172,563 (-66%) from 2023

Trend Graphs

Balance Sheet Trend

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

$1.5M$1.0M$500K$0-$500KAssets 2020: $49,041Liabilities 2020: $82,500Net Assets 2020: -$33,4592020Assets 2021: $107,793Liabilities 2021: $102,500Net Assets 2021: $5,2932021Assets 2022: $435,550Liabilities 2022: $226,050Net Assets 2022: $209,5002022Assets 2023: $759,538Liabilities 2023: $290,250Net Assets 2023: $469,2882023Assets 2024: $1,316,731Liabilities 2024: $760,218Net Assets 2024: $556,5132024

Highlighted filing

2024

Assets$1,316,731
Liabilities$760,218
Net Assets$556,513

Operations Trend

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

$600K$400K$200K$0-$200KRevenue 2020: $5,860Expenses 2020: $39,319Net Income 2020: -$33,4592020Revenue 2021: $68,643Expenses 2021: $33,982Net Income 2021: $34,6612021Revenue 2022: $434,871Expenses 2022: $232,237Net Income 2022: $202,6342022Revenue 2023: $509,354Expenses 2023: $249,566Net Income 2023: $259,7882023Revenue 2024: $486,010Expenses 2024: $398,785Net Income 2024: $87,2252024

Highlighted filing

2024

Revenue$486,010
Expenses$398,785
Net Income$87,225

Filings

Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jul 1, 2021 to Jun 30, 2022
Signed
May 31, 2023
Return Version
2021v4.0
Gross Receipts
$434,871
Mission and Program Overview

Mission

Our mission is to foster economic justice and opportunity by providing access to capital and technical assistance to economically disadvantage micro and rural businesses. Our emphasis is on those businesses owned by people of color including women, veterans, refugees, immigrants, and individuals impacted by the justice system.First Community Capital help low- and moderate-income entrepreneurs who lack sufficient training and education to gain access to capital and thereby delivering long-term economic small businesses recovery and resiliency.We often lend to borrowers that may not meet mainstream institutions underwriting criteria, helping to bridge the gap between conventional lending standards and the needs of hard-to-reach borrowers.

To foster economic justice and opportunity by providing access to capital and technical assistance to economically disadvantaged micro and rural businesses. Our emphasis is on those businesses owned by people of color including women, veterans, refugees, immigrants and individuals impacted by the justice system. Fcc also helps low and moderate income entrepreneurs who lack sufficient training and education to gain access to capital and thereby delivering long-term economic small business recovery and resillency.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable-$194,664-
Pledges and Grants Receivable-$126,539-
Cash and Non-Interest-Bearing Accounts$72,742$99,024▲ $26,282
Other Notes and Loans Receivable, Net$16,328--
Land, Buildings, and Equipment, Net$18,723$13,749▼ $4,974
Total Assets$107,793$435,550▲ $327,757
Other Assets Total-$1,574-
Liabilities
Unsecured Notes Loans Payable$102,500$212,600▲ $110,100
Accounts Payable and Accrued Expenses-$13,450-
Total Liabilities$102,500$226,050▲ $123,550
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$5,293$209,500▲ $204,207
Net Assets With Donor Restrictions$0$0→ $0
Total Net Assets Fund Balance$5,293$209,500▲ $204,207
Total Liabilities and Net Assets / Fund Balance$107,793$435,550▲ $327,757

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$10,799$10,799$21,598
Equipment$2,950$1,639$4,589
Buildings$0$0$0
Land$0-$0
Leasehold Improvements$0$0$0
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Tchaidor Jay DialloPresident and CEOFT$122,434$122,434

Board Members and Trustees

NameTitle
Mark DavisBoard Chair
Fatimoh MuhammedBoard Member
Karen SuarzBoard Member
Kelly RivasBoard Member
Edward JohnsonBoard Secretary
Vincent MccoyBoard Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$411,756
Program Service Revenue
$23,115
Investment Income
$0
Other Revenue
$0
All Other Contributions
$6,556
Change in Net Assets
$202,634

Audited Revenue Reconciliation

Revenue per Audited Statements
$434,871
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$434,871
Total Revenue per Form 990
$434,871
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$146,247
Other Expenses$85,990
Total Fundraising Expense$2,121
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$122,433--$122,433
All Other Expenses$190$15,022$2,121$17,333
Occupancy$12,880--$12,880
Other Salaries and Wages-$12,648-$12,648
Payroll Taxes$10,120$1,046-$11,166
Other Expenses$5,800$0$0$5,800
Total Functional Expenses$201,400$28,716$2,121$232,237

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$232,237
Total Expenses per Audited Statements$232,237
Total Expenses per Form 990$232,237
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Mark DavisBoard ChairmanDonationNo$5,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
Yes
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 form 990 is reviewed by the president/ceo and the board chairman before it is signed and submitted to the irs.

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

All board members and management are required to disclose all potential conflicts of interest as they arise.

Form 990, Part VI, Section B, Line 15

The president/ceo compensation is determined by the board of directors. The board uses third party data and comparisons of compensation paid by similar non-profit organizations.

Form 990, Part VI, Section C, Line 19

All governing documents are maintained in our corporate office and are available for review upon request.

Filing and Contact Details

Filer

Filer Name
First Community Capital Inc
EIN
84-3804891
Phone
9512966181
Address
26111 YNEZ ROAD SUITE B30, TEMECULA, CA 92591

Signing Officer

Name
Tchaidor Jay Diallo
Title
President and CEO
Phone
9512966181
Signed
2023-05-31
Discuss with paid preparer
No

Organization Details

Principal Officer
Tchaidor Jay Diallo
Formed
2019
Legal Domicile
CA
Voting Board Members
6
Independent Board Members
6
Employees
1
Volunteers
0

Preparer

Firm
Jeffrey a Hill CPA Corporation
Address
19602 Fariman Drive, Carson, CA 90746
Preparer
Jeffrey Hill
Phone
3107491014
Raw XML AppendixShowing 400 of 423 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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IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt00
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt00
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0463350
IRS990ScheduleA/TotalSupportAmt0463350
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd01
IRS990ScheduleD/BuildingsGrp/BookValueAmt00
IRS990ScheduleD/BuildingsGrp/DepreciationAmt00
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt02950
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01639
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt04589
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt0232237
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt00
IRS990ScheduleD/InvestmentExpensesNotIncldAmt00
IRS990ScheduleD/LandGrp/BookValueAmt00
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LossesReportedAmt00
IRS990ScheduleD/NetUnrealizedGainsInvstAmt00
IRS990ScheduleD/OtherExpensesIncludedAmt00
IRS990ScheduleD/OtherExpensesNotIncludedAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt010799
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt010799
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt021598
IRS990ScheduleD/OtherRevenueAmt00
IRS990ScheduleD/OtherRevenuesNotIncludedAmt00
IRS990ScheduleD/PriorYearAdjustmentsAmt00
IRS990ScheduleD/RecoveriesPriorYearGrantsAmt00
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt0434871
IRS990ScheduleD/TotalBookValueLandBuildingsAmt013749
IRS990ScheduleD/TotalExpensesPerForm990Amt0232237
IRS990ScheduleD/TotalRevenuePerForm990Amt0434871
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0434871
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0232237
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm0MARK DAVIS
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt0BOARD CHAIRMAN
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd00
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionAmt05000
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc0DONATION
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE FORM 990 IS REVIEWED BY THE PRESIDENT/CEO AND THE BOARD CHAIRMAN BEFORE IT IS SIGNED AND SUBMITTED TO THE IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ALL BOARD MEMBERS AND MANAGEMENT ARE REQUIRED TO DISCLOSE ALL POTENTIAL CONFLICTS OF INTEREST AS THEY ARISE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE PRESIDENT/CEO COMPENSATION IS DETERMINED BY THE BOARD OF DIRECTORS. THE BOARD USES THIRD PARTY DATA AND COMPARISONS OF COMPENSATION PAID BY SIMILAR NON-PROFIT ORGANIZATIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ALL GOVERNING DOCUMENTS ARE MAINTAINED IN OUR CORPORATE OFFICE AND ARE AVAILABLE FOR REVIEW UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0CA
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0107793
IRS990/TotalAssetsEOYAmt0435550
IRS990/TotalAssetsGrp/BOYAmt0107793
IRS990/TotalAssetsGrp/EOYAmt0435550
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt0411756
IRS990/TotalEmployeeCnt01
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt02121
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt028716
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0201400
IRS990/TotalFunctionalExpensesGrp/TotalAmt0232237
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0102500
IRS990/TotalLiabilitiesEOYAmt0226050
IRS990/TotalLiabilitiesGrp/BOYAmt0102500
IRS990/TotalLiabilitiesGrp/EOYAmt0226050
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05293
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0209500
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt023115
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt023115
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt0201400
IRS990/TotalProgramServiceRevenueAmt023115
IRS990/TotalReportableCompFromOrgAmt0122434
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt023115
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0434871
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0107793
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0435550
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt0102500
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt0212600
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt026111 YNEZ ROAD SUITE B30
IRS990/USAddress/CityNm0TEMECULA
IRS990/USAddress/StateAbbreviationCd0CA
IRS990/USAddress/ZIPCd092591
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0WWW.FCCBI.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL2
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/LastSubmissionRqrOOBCd00
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/OOBSecurityVerificationCd011
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd01
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd00
ReturnHeader/BusinessOfficerGrp/PersonNm0TCHAIDOR JAY DIALLO
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT AND CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum09512966181

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