Civic Intelligence

Whatcom Financial Services Inc

990EZ • Fiscal year 2016 • EIN 91-2026525

Jan 01, 2016 to Dec 31, 2016 • Filed on Apr 10, 2017

Organization ProfileN/A
1706 Front Street PMB 792Lynden, WA 98264

(360) 306-4106

Siviq Scores

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

Liabilities / Assets

92nd percentile

0.69x

Higher debt load relative to assets than 92% of similar nonprofits.

2016 filings • 501(c)3 • <$500k nonprofits • Source year 2016

Liabilities / Revenue

72nd percentile

0.03x

Higher debt load relative to revenue than 72% of similar nonprofits.

2016 filings • 501(c)3 • <$500k nonprofits • Source year 2016

Net Margin

31st percentile

-4.6%

Higher net margin than 31% of similar nonprofits.

2016 filings • 501(c)3 • <$500k nonprofits • Source year 2016

Top Officer Pay

91st percentile

$44,216

Higher top officer pay than 91% of similar nonprofits.

Top officer pay equals 52.0% of source-year revenue.

2016 filings • 501(c)3 • <$500k nonprofits • Source year 2016

Asset Growth

18th percentile

-25%

Faster asset growth than 18% of similar nonprofits.

2016 filings • 501(c)3 • <$500k nonprofits • Annualized from 2015 to 2016

Revenue Growth

35th percentile

-9.1%

Faster revenue growth than 35% of similar nonprofits.

2016 filings • 501(c)3 • <$500k nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Down

$3,826

Down $1,255 (-25%) from 2015

Net Assets

Down

$1,188

Down $3,893 (-77%) from 2015

Liabilities

Up

$2,638

Up $2,638 from 2015

Revenue And Expenses
Liabilities / Revenue72nd percentileNet Margin31st percentile

Revenue

Down

$85,067

Down $8,471 (-9.1%) from 2015

Expenses

Down

$88,960

Down $3,984 (-4.3%) from 2015

Net Income

Down

-$3,893

Down $4,487 (-755%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth18th percentile

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

$6.0K$4.0K$2.0K$0Assets 2011: $152Liabilities 2011: $02011Assets 2012: $639Liabilities 2012: $02012Assets 2013: $3,453Liabilities 2013: $2,6782013Assets 2014: $4,416Liabilities 2014: $02014Assets 2015: $5,081Liabilities 2015: $0Net Assets 2015: $5,0812015Assets 2016: $3,826Liabilities 2016: $2,638Net Assets 2016: $1,1882016Assets 2017: $783Liabilities 2017: $0Net Assets 2017: $7832017

Highlighted filing

2016

Assets$3,826
Liabilities$2,638
Net Assets$1,188
Open 2016 Filing

Operations Trend

Revenue Growth35th percentile

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

$150K$100K$50K$0-$50KRevenue 2011: $109,106Expenses 2011: $108,957Net Income 2011: $1492011Revenue 2012: $105,077Expenses 2012: $104,590Net Income 2012: $4872012Revenue 2013: $99,187Expenses 2013: $99,051Net Income 2013: $1362013Revenue 2014: $101,153Expenses 2014: $97,512Net Income 2014: $3,6412014Revenue 2015: $93,538Expenses 2015: $92,944Net Income 2015: $5942015Revenue 2016: $85,067Expenses 2016: $88,960Net Income 2016: -$3,8932016Revenue 2017: $83,071Expenses 2017: $83,476Net Income 2017: -$4052017

Highlighted filing

2016

Revenue$85,067
Expenses$88,960
Net Income-$3,893
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Apr 10, 2017
Return Version
2016v3.0
Gross Receipts
$85,067
Mission and Program Overview

Mission

Financial services are provided to special needs persons.

Program Services

DescriptionGrantsExpenses
Financial services are provided to special needs persons.$86,764-
Compensation and Service Providers
Top Officer Pay91st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jill A BrownPresidentFT$44,216-$44,216
Jennifer L RoweVice PresidentPT$6,113-$6,113
Filing and Contact Details

Filer

Filer Name
Whatcom Financial Services Inc
EIN
91-2026525
Phone
3603064106
Address
1706 Front Street PMB 792, Lynden, WA 98264

Signing Officer

Name
Jill A Brown
Title
President
Signed
2017-04-10
Discuss with paid preparer
Yes

Preparer

Firm
Marlys Bourm CPA PS
Address
2594 Lake Whatcom Blvd, Bellingham, WA 98229
Preparer
Marlys Bourm CPA
Phone
3607337155
Supplemental Narrative

Additional Explanations

Other Expenses.1001

“Advertising and Promotion $296”

Other Expenses.1002

“Office Expenses $3034”

Other Expenses.1009

“Depreciation $258”

Other Expenses.2

“Bond $2160”

Other Expenses.3

“Expenses paid by Jill directly $1938”

Other Expenses.4

“Storage $1384”

Other Expenses.5

“Telephone $883”

Other Expenses.6

“Copy machine lease $584”

Other Expenses.7

“Security $400”

Other Expenses.8

“Taxes - state $378”

Other Expenses.9

“Shredding $336”

Other Expenses.10

“Repairs & maintenance $200”

Other Expenses.11

“Bank charge $119”

Other Expenses.12

“Taxes - personal property $21”

Other Assets.1004

“Miscellaneous - Beginning $3740 Miscellaneous - Ending $3482”

Total Liabilities.1

“Loan from Jill - Beginning $0 Loan from Jill - Ending $700”

Total Liabilities.2

“Loan from Jill - Beginning $0 Loan from Jill - Ending $1938”

Raw XML Appendix173 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.

Path#Value
IRS990EZ/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/BooksInCareOfDetail/PersonNm0Jill Brown
IRS990EZ/BooksInCareOfDetail/PhoneNum03606764568
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt01006 Grover Street
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0Lynden
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0WA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd098264
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt01341
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0344
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-3893
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt01672
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form720FiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt05081
IRS990EZ/Form990TotalAssetsGrp/EOYAmt03826
IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GrossReceiptsAmt085067
IRS990EZ/GrossReceiptsForPublicUseAmt00
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InfoInScheduleOPartVInd0X
IRS990EZ/InitiationFeesAndCapContriAmt00
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt05081
IRS990EZ/NetAssetsOrFundBalancesEOYAmt01188
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt05081
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt01188
IRS990EZ/OccupancyRentUtltsAndMaintAmt02933
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt040.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt120.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt044216
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt16113
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0Jill A Brown
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1Jennifer L Rowe
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1Vice President
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationFiled990TInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt03740
IRS990EZ/OtherAssetsTotalDetail/EOYAmt03482
IRS990EZ/OtherExpensesTotalAmt011991
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0Financial services are provided to special needs persons.
IRS990EZ/PrintingPublicationsPostageAmt05082
IRS990EZ/ProgramServiceRevenueAmt085067
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0Financial services are provided to special needs persons.
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt086764
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/RelatedOrgSect527OrgInd0false
IRS990EZ/SalariesOtherCompEmplBnftAmt067282
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt02638
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt088960
IRS990EZ/TotalProgramServiceExpensesAmt086764
IRS990EZ/TotalRevenueAmt085067
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt02678
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt02678
IRS990ScheduleA/GovtFurnSrvcFcltsVl509Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt00
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt085067
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt093538
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt098475
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt099026
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt0104591
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt0480697
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/TotalAmt00
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/NetIncomeFromOtherUBIGrp/TotalAmt00
IRS990ScheduleA/OtherIncome509Grp/TotalAmt00
IRS990ScheduleA/Post1975UBTIGrp/TotalAmt00
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct01.00000
IRS990ScheduleA/PublicSupportPY509Pct01.00000
IRS990ScheduleA/PublicSupportTotal509Amt0483375
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft509Grp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt085067
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt093538
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt0101153
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt099026
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0104591
IRS990ScheduleA/Total509Grp/TotalAmt0483375
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt085067
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt093538
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt0101153
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt099026
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt0104591
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0483375
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Advertising and Promotion $296
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Office Expenses $3034
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Depreciation $258
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Bond $2160
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Expenses paid by Jill directly $1938
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Storage $1384
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Telephone $883
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Copy machine lease $584
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Security $400
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9Taxes - state $378
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10Shredding $336
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11Repairs & maintenance $200
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12Bank charge $119
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13Taxes - personal property $21
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14Miscellaneous - Beginning $3740 Miscellaneous - Ending $3482
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt15Loan from Jill - Beginning $0 Loan from Jill - Ending $700
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt16Loan from Jill - Beginning $0 Loan from Jill - Ending $1938
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Other Expenses.1001
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Other Expenses.1002
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Other Expenses.1009
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Other Expenses.2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Other Expenses.3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Other Expenses.4
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Other Expenses.5
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Other Expenses.6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Other Expenses.7
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Other Expenses.8
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Other Expenses.9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Other Expenses.10
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Other Expenses.11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc13Other Expenses.12
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc14Other Assets.1004
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc15Total Liabilities.1
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc16Total Liabilities.2
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Jill A Brown
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-04-10
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Whatcom Financial Services Inc
ReturnHeader/Filer/BusinessNameControlTxt0WHAT
ReturnHeader/Filer/EIN0912026525
ReturnHeader/Filer/PhoneNum03603064106
ReturnHeader/Filer/USAddress/AddressLine1Txt01706 Front Street PMB 792
ReturnHeader/Filer/USAddress/CityNm0Lynden
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WA
ReturnHeader/Filer/USAddress/ZIPCd098264
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Marlys Bourm CPA PS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt02594 Lake Whatcom Blvd
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Bellingham
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd098229
ReturnHeader/PreparerPersonGrp/PhoneNum03607337155
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Marlys Bourm CPA
ReturnHeader/ReturnTs02017-04-10T13:27:58-07:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,826
Liabilities
$2,638
Net assets
$1,188
Revenue
$85,067
Expenses
$88,960
Net income
-$3,893
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017Detailed filing. Detailed filing data is available for this year.$0.01$0.00$0.01$0.83$0.83$0.00
2016Detailed filing. Detailed filing data is available for this year.$0.04$0.03$0.01$0.85$0.89$0.04
2015Detailed filing. Detailed filing data is available for this year.$0.05$0.00$0.05$0.94$0.93$0.01
2014Summary only. Only limited summary data is available for this year.$0.04$0.00$1.01$0.98$0.04
2013Summary only. Only limited summary data is available for this year.$0.03$0.03$0.99$0.99$0.00
2012Summary only. Only limited summary data is available for this year.$0.01$0.00$1.05$1.05$0.00
2011Summary only. Only limited summary data is available for this year.$0.00$0.00$1.09$1.09$0.00