Civic Intelligence

California Coastal Rural Development Corporation

990 • Fiscal year 2014 • EIN 94-0276025

Jul 01, 2013 to Jun 30, 2014 • Filed on Dec 11, 2014

221 Main Street No 30193901

(831) 424-1099

Siviq Scores

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

Liabilities / Assets

85th percentile

0.77x

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

2014 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2014

Liabilities / Revenue

93rd percentile

3.97x

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

2014 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2014

Net Margin

38th percentile

0.4%

Higher net margin than 38% of similar nonprofits.

2014 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2014

Top Officer Pay

55th percentile

$186,719

Higher top officer pay than 55% of similar nonprofits.

Top officer pay equals 6.3% of source-year revenue.

2014 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2014

Asset Growth

81st percentile

15%

Faster asset growth than 81% of similar nonprofits.

2014 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Revenue Growth

20th percentile

-7.5%

Faster revenue growth than 20% of similar nonprofits.

2014 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2011 to 2014

Assets

Up

$15,349,454

Up $2,012,001 (+15%) from 2013

Net Assets

Up

$3,525,206

Up $11,779 (+0.3%) from 2013

Liabilities

Up

$11,824,248

Up $2,000,222 (+20%) from 2013

Revenue

$2,977,627

No earlier filing loaded for comparison.

Expenses

Down

$2,965,848

Down $261,348 (-8.1%) from 2013

Net Income

$11,779

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$30M$20M$10M$0Assets 2010: $14,944,553Liabilities 2010: $12,214,047Net Assets 2010: $2,730,5062010Assets 2011: $12,293,028Liabilities 2011: $9,248,385Net Assets 2011: $3,044,6432011Assets 2012: $13,702,267Liabilities 2012: $10,238,656Net Assets 2012: $3,463,6112012Assets 2013: $13,337,453Liabilities 2013: $9,824,026Net Assets 2013: $3,513,4272013Assets 2014: $15,349,454Liabilities 2014: $11,824,248Net Assets 2014: $3,525,2062014Assets 2015: $13,998,911Liabilities 2015: $10,754,704Net Assets 2015: $3,244,2072015Assets 2016: $15,085,931Liabilities 2016: $11,786,520Net Assets 2016: $3,299,4112016Assets 2017: $14,162,550Liabilities 2017: $10,737,051Net Assets 2017: $3,425,4992017Assets 2018: $15,765,394Liabilities 2018: $12,152,195Net Assets 2018: $3,613,1992018Assets 2019: $13,425,946Liabilities 2019: $9,676,450Net Assets 2019: $3,749,4962019Assets 2020: $13,465,321Liabilities 2020: $9,532,023Net Assets 2020: $3,933,2982020Assets 2021: $13,132,580Liabilities 2021: $7,996,561Net Assets 2021: $5,136,0192021Assets 2022: $15,880,769Liabilities 2022: $8,396,746Net Assets 2022: $7,484,0232022Assets 2023: $18,558,574Liabilities 2023: $9,577,844Net Assets 2023: $8,980,7302023Assets 2024: $20,315,819Liabilities 2024: $7,898,703Net Assets 2024: $12,417,1162024Assets 2025: $21,596,032Liabilities 2025: $7,960,643Net Assets 2025: $13,635,3892025

Highlighted filing

2014

Assets$15,349,454
Liabilities$11,824,248
Net Assets$3,525,206

Operations Trend

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

$8.0M$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $3,581,6912010Revenue 2011: $3,767,231Expenses 2011: $3,453,094Net Income 2011: $314,1372011Expenses 2012: $3,266,9762012Expenses 2013: $3,227,1962013Revenue 2014: $2,977,627Expenses 2014: $2,965,848Net Income 2014: $11,7792014Revenue 2015: $2,695,127Expenses 2015: $2,976,126Net Income 2015: -$280,9992015Revenue 2016: $3,295,604Expenses 2016: $3,240,400Net Income 2016: $55,2042016Revenue 2017: $3,354,693Expenses 2017: $3,228,605Net Income 2017: $126,0882017Revenue 2018: $3,558,387Expenses 2018: $3,370,687Net Income 2018: $187,7002018Revenue 2019: $3,974,047Expenses 2019: $3,837,750Net Income 2019: $136,2972019Revenue 2020: $3,686,782Expenses 2020: $3,449,076Net Income 2020: $237,7062020Revenue 2021: $4,227,948Expenses 2021: $3,025,227Net Income 2021: $1,202,7212021Revenue 2022: $5,534,051Expenses 2022: $3,186,047Net Income 2022: $2,348,0042022Revenue 2023: $5,011,409Expenses 2023: $3,514,702Net Income 2023: $1,496,7072023Revenue 2024: $6,796,425Expenses 2024: $3,360,039Net Income 2024: $3,436,3862024Revenue 2025: $4,857,769Expenses 2025: $3,639,496Net Income 2025: $1,218,2732025

Highlighted filing

2014

Revenue$2,977,627
Expenses$2,965,848
Net Income$11,779
Jump To
Filing Snapshot
Filing Period
Jul 1, 2013 to Jun 30, 2014
Signed
Dec 11, 2014
Return Version
2013v4.0
Gross Receipts
$2,977,627
Mission and Program Overview

Mission

Our mission is to assist these enterprises to grow, thrive, and prosper enabling the overall economic development to our under served communities.

California coastal rural development corporation is dedicated to providing financing to small farmers and businesses throughout california. Our mission is to assist these enterprises to grow, thrive and prosper enabling the overall economic development of our underserved communities.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$6,629,040$7,654,123▲ $1,025,083
Other Notes and Loans Receivable, Net$6,082,918$7,100,624▲ $1,017,706
Investments Other Securities$174,878$178,298▲ $3,420
Accounts Receivable$89,424$86,092▼ $3,332
Land, Buildings, and Equipment, Net$26,485$15,249▼ $11,236
Total Assets$13,337,453$15,349,454▲ $2,012,001
Other Assets Total$334,708$315,068▼ $19,640
Liabilities
Mortgage Notes Payable Secured by Investment Property$8,841,726$11,489,402▲ $2,647,676
Accounts Payable and Accrued Expenses$373,937$271,478▼ $102,459
Other Liabilities$608,363$63,368▼ $544,995
Total Liabilities$9,824,026$11,824,248▲ $2,000,222
Net Assets / Fund Balance
Unrestricted Net Assets$3,513,427$3,525,206▲ $11,779
Total Net Assets Fund Balance$3,513,427$3,525,206▲ $11,779
Total Liabilities and Net Assets / Fund Balance$13,337,453$15,349,454▲ $2,012,001

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$15,249$757,873$773,122
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Karl ZalazowskiPresidentFT$162,572$24,147$186,719
Wendy FranscioniCLOPT$107,650$16,301$123,951
Jose GuerraSr Farm Loan OffFT$107,770$11,803$119,573

Board Members and Trustees

NameTitle
Roy RobbinsChairman
Ted CagatVice Chair
Brad BarbeauMember
Danny BragaMember
Diane GrisezMember
Juan BatistaMember
Louie ValenzuelaMember
Tim WolfiMember
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,977,627
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$11,779

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,977,627
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$2,977,627
Total Revenue per Form 990
$2,977,627
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,665,686
Salaries, Compensation, and Employee Benefits$1,300,162
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$705,162$76,545-$781,707
Interest$745,695--$745,695
Current Officers, Directors, Trustees, and Key Employees$222,568$26,536-$249,104
Occupancy$144,445$16,050-$160,495
Other Employee Benefits$129,036$14,337-$143,373
Payroll Taxes$76,348$8,483-$84,831
Fees for Services Legal$67,981$7,553-$75,534
Conferences and Meetings$40,113$4,457-$44,570
Pension Plan Contributions$37,032$4,115-$41,147
Fees for Services Accounting$36,401$4,045-$40,446
Office Expenses$36,001$4,000-$40,001
Travel$32,932$3,659-$36,591
All Other Expenses$26,605$2,089-$28,694
Other Expenses$21,447$5,388-$21,447
Depreciation Depletion$13,587--$13,587
Fees for Services Lobbying-$8,500-$8,500
Advertising-$8,450-$8,450
Fees for Services Other$7,313--$7,313
Total Functional Expenses$2,771,641$194,207$0$2,965,848

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,965,848
Total Expenses per Audited Statements$2,965,848
Total Expenses per Form 990$2,965,848
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
Lobbying activity
Yes
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Other Liabilities$63,368
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
No
Management duties delegated
Yes

Governance Explanations

Form 990, Part VI, Section A, Line 3

Human resource function has been outsourced to your people professionals. Your people professionals 2605 s miller st suite 107 santa maria, ca 93455

Form 990, Part VI, Section A, Line 6

The corporation has one class of members only and each member has equal voting and other rights.

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

The members rights are the following: removing a director without cause; filling vacancies on the board of directors by the members; amending the articles of incorporation; and voluntarily dissolving the corporation.

Form 990, Part VI, Section B, Line 11

Return will be reviewed by the audit or executive committee and will be given to the board of directors before the filing of the return.

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

Board members and officers provide annual disclosures which are monitored by the chair of the board of director's governance committee ; if a conflict arises the board member is asked to excuse himself/herself from all discussions and voting on the issue.

Form 990, Part VI, Section B, Line 15

California bankers association most recently available salary survey was used for comparably sized banking institutions, all positions within cal coastal were compared in this survey.

Form 990, Part VI, Section C, Line 19

The documents are available at the business address during normal business hours.

Filing and Contact Details

Filer

EIN
94-0276025
Phone
8314241099

Signing Officer

Name
Karl Zalazowski
Title
President
Phone
8314241099
Signed
2014-12-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Karl Zalazowski
Formed
1982
Legal Domicile
CA
Voting Board Members
10
Independent Board Members
10
Employees
16
Volunteers
20

Preparer

Preparer
Heidi E White
Phone
9094664410
Supplemental Narrative

Financial Statement Notes

PART X, LINE 2:

Cal coastal has adopted financial accounting standards board (fasb) accounting standards codification (asc) topic 740, that clarifies the accounting for uncertainty in tax positions taken or expected to be taken on a tax return and provides that the tax effects from uncertain tax position can be recognized in the financial statements only if, based on its merits, the position is more likely than not to be sustained on audit by the taxing authorities. Management believes that all tax positions taken to date are highly certain, and, accordingly, no accounting adjustment has been made to the financial statements. Interest and penalties related to uncertain tax positions are recorded as part of the income tax expense.

Raw XML AppendixShowing 400 of 496 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
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0373937
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0271478
IRS990/AccountsReceivableGrp/BOYAmt089424
IRS990/AccountsReceivableGrp/EOYAmt086092
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0CALIFORNIA COASTAL RURAL DEVELOPMENT CORPORATION IS DEDICATED TO PROVIDING FINANCING TO SMALL FARMERS AND BUSINESSES THROUGHOUT CALIFORNIA. OUR MISSION IS TO ASSIST THESE ENTERPRISES TO GROW, THRIVE AND PROSPER ENABLING THE OVERALL ECONOMIC DEVELOPMENT OF OUR UNDERSERVED COMMUNITIES.
IRS990/AdvertisingGrp/ManagementAndGeneralAmt08450
IRS990/AdvertisingGrp/TotalAmt08450
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt02089
IRS990/AllOtherExpensesGrp/ProgramServicesAmt026605
IRS990/AllOtherExpensesGrp/TotalAmt028694
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine10THE ORGANIZATION
IRS990/BooksInCareOfDetail/PhoneNum08314241099
IRS990/BooksInCareOfDetail/USAddress/AddressLine10221 MAIN STREET NO 301
IRS990/BooksInCareOfDetail/USAddress/City0SALINAS
IRS990/BooksInCareOfDetail/USAddress/State0CA
IRS990/BooksInCareOfDetail/USAddress/ZIPCode093901
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt026536
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0222568
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0249104
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt04457
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt040113
IRS990/ConferencesMeetingsGrp/TotalAmt044570
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt00
IRS990/CYOtherExpensesAmt01665686
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt02977627
IRS990/CYRevenuesLessExpensesAmt011779
IRS990/CYSalariesCompEmpBnftPaidAmt01300162
IRS990/CYTotalExpensesAmt02965848
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt02977627
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd01
IRS990/DepreciationDepletionGrp/ProgramServicesAmt013587
IRS990/DepreciationDepletionGrp/TotalAmt013587
IRS990/Desc0LOAN GUARANTEE PROGRAM-PROVIDES LOAN GUARANTEES TO ENCOURAGE LENDERS TO MAKE LOANS TO MARGINAL CREDIT BUSINESSES AND FARMERS
IRS990/DescribedInSection501c3Ind01
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt016
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EngagedInExcessBenefitTransInd00
IRS990/ExpenseAmt0969111
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt04045
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt036401
IRS990/FeesForServicesAccountingGrp/TotalAmt040446
IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt07553
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt067981
IRS990/FeesForServicesLegalGrp/TotalAmt075534
IRS990/FeesForServicesLobbyingGrp/ManagementAndGeneralAmt08500
IRS990/FeesForServicesLobbyingGrp/TotalAmt08500
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt07313
IRS990/FeesForServicesOtherGrp/TotalAmt07313
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form8282PropertyDisposedOfInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt02.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt12.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt22.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt340.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt410.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt52.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt62.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt72.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt82.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt932.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt324147
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt916301
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1011803
IRS990/Form990PartVIISectionAGrp/PersonNm0TED CAGAT
IRS990/Form990PartVIISectionAGrp/PersonNm1DANNY BRAGA
IRS990/Form990PartVIISectionAGrp/PersonNm2DIANE GRISEZ
IRS990/Form990PartVIISectionAGrp/PersonNm3KARL ZALAZOWSKI
IRS990/Form990PartVIISectionAGrp/PersonNm4ROY ROBBINS
IRS990/Form990PartVIISectionAGrp/PersonNm5BRAD BARBEAU
IRS990/Form990PartVIISectionAGrp/PersonNm6JUAN BATISTA
IRS990/Form990PartVIISectionAGrp/PersonNm7LOUIE VALENZUELA
IRS990/Form990PartVIISectionAGrp/PersonNm8TIM WOLFI
IRS990/Form990PartVIISectionAGrp/PersonNm9WENDY FRANSCIONI
IRS990/Form990PartVIISectionAGrp/PersonNm10JOSE GUERRA
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt3162572
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9107650
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10107770
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
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/TitleTxt0VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt2MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt3PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt4CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt5MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt10SR FARM LOAN OFF
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01982
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt02977627
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt010
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InterestGrp/ProgramServicesAmt0745695
IRS990/InterestGrp/TotalAmt0745695
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0174878
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0178298
IRS990/IRPDocumentCnt05
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0757873
IRS990/LandBldgEquipBasisNetGrp/BOYAmt026485
IRS990/LandBldgEquipBasisNetGrp/EOYAmt015249
IRS990/LandBldgEquipCostOrOtherBssAmt0773122
IRS990/LegalDomicileStateCd0CA
IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0CALIFORNIA COASTAL RURAL DEVELOPMENT CORPORATION IS DEDICATED TO PROVIDING FINANCIAL ASSISTANCE TO SMALL BUSINESSES FOR THE PURPOSE OF CREATING EMPLOYMENT AND ECONOMIC DEVELOPMENT. WE PROVIDE FARM LOANS AND LOAN GUARANTEES TO BUSINESSES THAT HAVE THE ABILITY TO REPAY, BUT ARE UNABLE TO SECURE FUNDS AT A REASONABLE RATE FROM COMMERCIAL CREDIT INSTITUTIONS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt08841726
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt011489402
IRS990/NetAssetsOrFundBalancesBOYAmt03513427
IRS990/NetAssetsOrFundBalancesEOYAmt03525206
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ManagementAndGeneralAmt016050
IRS990/OccupancyGrp/ProgramServicesAmt0144445
IRS990/OccupancyGrp/TotalAmt0160495
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt04000
IRS990/OfficeExpensesGrp/ProgramServicesAmt036001
IRS990/OfficeExpensesGrp/TotalAmt040001
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0334708
IRS990/OtherAssetsTotalGrp/EOYAmt0315068
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt014337
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0129036
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0143373
IRS990/OtherExpensesGrp/Desc0LOAN EXPENSE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2TELEPHONE
IRS990/OtherExpensesGrp/Desc3MISCELLANEOUS(RECOVERIE
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt05388
IRS990/OtherExpensesGrp/ProgramServicesAmt0231862
IRS990/OtherExpensesGrp/ProgramServicesAmt1148624
IRS990/OtherExpensesGrp/ProgramServicesAmt248489
IRS990/OtherExpensesGrp/ProgramServicesAmt321447
IRS990/OtherExpensesGrp/TotalAmt0231862
IRS990/OtherExpensesGrp/TotalAmt1148624
IRS990/OtherExpensesGrp/TotalAmt253877
IRS990/OtherExpensesGrp/TotalAmt321447
IRS990/OtherLiabilitiesGrp/BOYAmt0608363
IRS990/OtherLiabilitiesGrp/EOYAmt063368
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt076545
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0705162
IRS990/OtherSalariesAndWagesGrp/TotalAmt0781707
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt06082918
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt07100624
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt08483
IRS990/PayrollTaxesGrp/ProgramServicesAmt076348
IRS990/PayrollTaxesGrp/TotalAmt084831
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt04115
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt037032
IRS990/PensionPlanContributionsGrp/TotalAmt041147
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0KARL ZALAZOWSKI
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INCOME
IRS990/ProgramServiceRevenueGrp/Desc1JURISDICTIONAL INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02593966
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1383661
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02593966
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1383661
IRS990/ProgSrvcAccomActy2Grp/Desc0DIRECT LOAN PROGRAM-MAKE DIRECT LOANS TO SMALL FARM OPERATORS UTILIZING USDA FARM SERVICES AGENCY LOAN GUARANTEES.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt01385979
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt02124104
IRS990/ProgSrvcAccomActy3Grp/Desc0INTERMEDIATE RELENDING PROGRAM-PROVIDES RELENDING TO SMALL BUSINESSES THAT MANUFACTURE OR PROVIDE SERVICES IN SMALL CITIES
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0176531
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt089137
IRS990/ProgSrvcAccomActyOtherGrp/Desc0SMALL BUSINESS ASSITANCE-PROVIDES LENDING AND TECHNICAL ASSISTANCE TO SMALL BUSINESSES THROUGH THE U.S. SMALL BUSINESS ADMINISTRATION MICROLENDING PROGRAM
IRS990/ProgSrvcAccomActyOtherGrp/Desc1NAD BANK PROGRAM MAKES DIRECT LOANS TO COMMERCIAL ENTERPRISES LOCATED IN AREAS IMPACTED BY THE NORTH AMERICAN FREE TRADE AGREEMENT UTILIZING U.S.D.A.'S BUSINESS AND INDUSTRY LOAN GUARANTEE PROGRAM
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt0220961
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt119059
IRS990/ProgSrvcAccomActyOtherGrp/RevenueAmt0298243
IRS990/ProgSrvcAccomActyOtherGrp/RevenueAmt141750
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt00
IRS990/PYOtherExpensesAmt01842698
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt03277012
IRS990/PYRevenuesLessExpensesAmt049816
IRS990/PYSalariesCompEmpBnftPaidAmt01384498
IRS990/PYTotalExpensesAmt03227196
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03277012
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt011779
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0424387
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06629040
IRS990/SavingsAndTempCashInvstGrp/EOYAmt07654123
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0405500
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0752000
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt01157500
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt04121
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt04121
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt016061852
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.99650
IRS990ScheduleA/PublicSupportPY170Pct00.99730
IRS990ScheduleA/PublicSupportTotal170Amt01157500
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0405500
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0752000
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt01157500
IRS990ScheduleA/TotalSupportAmt01161621
IRS990/ScheduleBRequiredInd00
IRS990ScheduleC/AvgGrassrootsNontaxableGrp/CurrentYearAmt072252
IRS990ScheduleC/AvgGrassrootsNontaxableGrp/CurrentYearMinus1Amt075270
IRS990ScheduleC/AvgGrassrootsNontaxableGrp/CurrentYearMinus2Amt075592
IRS990ScheduleC/AvgGrassrootsNontaxableGrp/CurrentYearMinus3Amt077925
IRS990ScheduleC/AvgGrassrootsNontaxableGrp/TotalAmt0301039
IRS990ScheduleC/AvgLobbyingNontaxableAmountGrp/CurrentYearAmt0289007
IRS990ScheduleC/AvgLobbyingNontaxableAmountGrp/CurrentYearMinus1Amt0301078
IRS990ScheduleC/AvgLobbyingNontaxableAmountGrp/CurrentYearMinus2Amt0302369
IRS990ScheduleC/AvgLobbyingNontaxableAmountGrp/CurrentYearMinus3Amt0311699
IRS990ScheduleC/AvgLobbyingNontaxableAmountGrp/TotalAmt01204153
IRS990ScheduleC/AvgTotalLobbyingExpendGrp/CurrentYearAmt08500
IRS990ScheduleC/AvgTotalLobbyingExpendGrp/CurrentYearMinus1Amt011100
IRS990ScheduleC/AvgTotalLobbyingExpendGrp/CurrentYearMinus2Amt08800
IRS990ScheduleC/AvgTotalLobbyingExpendGrp/CurrentYearMinus3Amt06611
IRS990ScheduleC/AvgTotalLobbyingExpendGrp/TotalAmt035011
IRS990ScheduleC/GrassrootsCeilingAmt0451559
IRS990ScheduleC/GrassrootsNontaxableGrp/FilingOrganizationsTotalAmt072252
IRS990ScheduleC/LobbyingCeilingAmt01806230
IRS990ScheduleC/LobbyingNontaxableAmountGrp/FilingOrganizationsTotalAmt0289007
IRS990ScheduleC/OtherExemptPurposeExpendGrp/FilingOrganizationsTotalAmt02771641
IRS990ScheduleC/TotalDirectLobbyingGrp/FilingOrganizationsTotalAmt08500
IRS990ScheduleC/TotalExemptPurposeExpendGrp/FilingOrganizationsTotalAmt02780141
IRS990ScheduleC/TotalLobbyingExpendGrp/FilingOrganizationsTotalAmt08500
IRS990ScheduleC/TotLbbyExpendMnsLbbyngNonTxGrp/FilingOrganizationsTotalAmt00
IRS990ScheduleC/TotLbbyngGrassrootMnsNonTxGrp/FilingOrganizationsTotalAmt00
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt02965848
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt015249
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0757873
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0773122
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt063368
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0OTHER LIABILITIES
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt02977627
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0CAL COASTAL HAS ADOPTED FINANCIAL ACCOUNTING STANDARDS BOARD (FASB) ACCOUNTING STANDARDS CODIFICATION (ASC) TOPIC 740, THAT CLARIFIES THE ACCOUNTING FOR UNCERTAINTY IN TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN ON A TAX RETURN AND PROVIDES THAT THE TAX EFFECTS FROM UNCERTAIN TAX POSITION CAN BE RECOGNIZED IN THE FINANCIAL STATEMENTS ONLY IF, BASED ON ITS MERITS, THE POSITION IS MORE LIKELY THAN NOT TO BE SUSTAINED ON AUDIT BY THE TAXING AUTHORITIES. MANAGEMENT BELIEVES THAT ALL TAX POSITIONS TAKEN TO DATE ARE HIGHLY CERTAIN, AND, ACCORDINGLY, NO ACCOUNTING ADJUSTMENT HAS BEEN MADE TO THE FINANCIAL STATEMENTS. INTEREST AND PENALTIES RELATED TO UNCERTAIN TAX POSITIONS ARE RECORDED AS PART OF THE INCOME TAX EXPENSE.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt015249
IRS990ScheduleD/TotalExpensesPerForm990Amt02965848
IRS990ScheduleD/TotalLiabilityAmt063368
IRS990ScheduleD/TotalRevenuePerForm990Amt02977627
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt02977627
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt02965848
IRS990ScheduleJ/AnyNonFixedPaymentsInd00
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd00
IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd00
IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd00
IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd00
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/Form990OfOtherOrganizationsInd0X
IRS990ScheduleJ/InitialContractExceptionInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0162572
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt06923
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt017224
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0KARL ZALAZOWSKI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0186719
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HUMAN RESOURCE FUNCTION HAS BEEN OUTSOURCED TO YOUR PEOPLE PROFESSIONALS. YOUR PEOPLE PROFESSIONALS 2605 S MILLER ST SUITE 107 SANTA MARIA, CA 93455
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CORPORATION HAS ONE CLASS OF MEMBERS ONLY AND EACH MEMBER HAS EQUAL VOTING AND OTHER RIGHTS.

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$21.6$7.96$13.6$4.86$3.64$1.22
2024Detailed filing. Detailed filing data is available for this year.$20.3$7.90$12.4$6.80$3.36$3.44
2023Detailed filing. Detailed filing data is available for this year.$18.6$9.58$8.98$5.01$3.51$1.50
2022Detailed filing. Detailed filing data is available for this year.$15.9$8.40$7.48$5.53$3.19$2.35
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.1$8.00$5.14$4.23$3.03$1.20
2020Detailed filing. Detailed filing data is available for this year.$13.5$9.53$3.93$3.69$3.45$0.24
2019Detailed filing. Detailed filing data is available for this year.$13.4$9.68$3.75$3.97$3.84$0.14
2018Detailed filing. Detailed filing data is available for this year.$15.8$12.2$3.61$3.56$3.37$0.19
2017Detailed filing. Detailed filing data is available for this year.$14.2$10.7$3.43$3.35$3.23$0.13
2016Detailed filing. Detailed filing data is available for this year.$15.1$11.8$3.30$3.30$3.24$0.06
2015Detailed filing. Detailed filing data is available for this year.$14.0$10.8$3.24$2.70$2.98$0.28
2014Detailed filing. Detailed filing data is available for this year.$15.3$11.8$3.53$2.98$2.97$0.01
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.3$9.82$3.51$3.23
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.7$10.2$3.46$3.27
2011Summary only. Only limited summary data is available for this year.$12.3$9.25$3.04$3.77$3.45$0.31
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.9$12.2$2.73$3.58