Civic Intelligence

California Coastal Rural Development Corporation

990 • Fiscal year 2018 • EIN 94-0276025

Jul 01, 2017 to Jun 30, 2018 • Filed on Nov 21, 2018

Organization ProfileWWW.CALCOASTAL.ORG

View Organization Page

221 Main Street No 301Salinas, CA 93901

(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.

2018 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2018

Liabilities / Revenue

91st percentile

3.42x

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

2018 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2018

Net Margin

57th percentile

5.3%

Higher net margin than 57% of similar nonprofits.

2018 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2018

Top Officer Pay

55th percentile

$189,208

Higher top officer pay than 55% of similar nonprofits.

Top officer pay equals 5.3% of source-year revenue.

2018 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2018

Asset Growth

76th percentile

11%

Faster asset growth than 76% of similar nonprofits.

2018 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2017 to 2018

Revenue Growth

56th percentile

6.1%

Faster revenue growth than 56% of similar nonprofits.

2018 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets85th percentile

Assets

Up

$15,765,394

Up $1,602,844 (+11%) from 2017

Net Assets

Up

$3,613,199

Up $187,700 (+5.5%) from 2017

Liabilities

Up

$12,152,195

Up $1,415,144 (+13%) from 2017

Revenue And Expenses
Liabilities / Revenue91st percentileNet Margin57th percentile

Revenue

Up

$3,558,387

Up $203,694 (+6.1%) from 2017

Expenses

Up

$3,370,687

Up $142,082 (+4.4%) from 2017

Net Income

Up

$187,700

Up $61,612 (+49%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth76th percentile

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

2018

Assets$15,765,394
Liabilities$12,152,195
Net Assets$3,613,199
Open 2018 Filing

Operations Trend

Revenue Growth56th percentile

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

2018

Revenue$3,558,387
Expenses$3,370,687
Net Income$187,700
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2017 to Jun 30, 2018
Signed
Nov 21, 2018
Return Version
2017v2.3
Gross Receipts
$3,558,387
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
Other Notes and Loans Receivable, Net$7,865,220$8,508,245▲ $643,025
Savings and Temporary Cash Investments$5,952,535$6,744,897▲ $792,362
Investments Other Securities$192,946$202,256▲ $9,310
Accounts Receivable$35,543$116,188▲ $80,645
Land, Buildings, and Equipment, Net$31,477$31,199▼ $278
Total Assets$14,162,550$15,765,394▲ $1,602,844
Other Assets Total$84,829$162,609▲ $77,780
Liabilities
Mortgage Notes Payable Secured by Investment Property$10,312,702$11,459,348▲ $1,146,646
Other Liabilities$57,733$367,936▲ $310,203
Accounts Payable and Accrued Expenses$366,616$324,911▼ $41,705
Total Liabilities$10,737,051$12,152,195▲ $1,415,144
Net Assets / Fund Balance
Unrestricted Net Assets$3,425,499$3,613,199▲ $187,700
Total Net Assets Fund Balance$3,425,499$3,613,199▲ $187,700
Total Liabilities and Net Assets / Fund Balance$14,162,550$15,765,394▲ $1,602,844

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$28,343$742,553$770,896
Buildings$2,856$70,491$73,347
Compensation and Service Providers
Top Officer Pay55th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Karl ZalazowskiPresidentFT$169,422$19,786$189,208
Jose GuerraSr Farm Loan OffFT$124,320$21,606$145,926
Lorre Van BebberBusiness Development OfficFT$106,385$15,339$121,724
Roy RobbinsChairman & CFOPT$2,782-$2,782
Ted CagatVice Chair & Secretary-$1,650-$1,650
Cindy MerzonMember-$1,350-$1,350
Louie ValenzuelaMember-$1,350-$1,350
Jeff RawlingsMember-$1,300-$1,300
Danny BragaMember-$1,250-$1,250
Juan BatistaMemberPT$1,000-$1,000
Brad BarbeauMember-$900-$900
Diane GrisezMemberPT$800-$800

Board Members and Trustees

NameTitle
John MoskalMember
Revenue and Support

Revenue Composition

Contributions and Grants
$10,000
Program Service Revenue
$3,548,387
Investment Income
$0
Other Revenue
$0
All Other Contributions
$10,000
Change in Net Assets
$187,700

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,558,387
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$3,558,387
Total Revenue per Form 990
$3,558,387
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,904,425
Salaries, Compensation, and Employee Benefits$1,466,262
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$907,677--$907,677
Other Salaries and Wages$666,821$96,000-$762,821
Current Officers, Directors, Trustees, and Key Employees$241,920$39,262-$281,182
Other Employee Benefits$178,044$19,783-$197,827
Occupancy$174,067$19,341-$193,408
Pension Plan Contributions$119,943$13,327-$133,270
Fees for Services Other$97,455$1,628-$99,083
Payroll Taxes$82,046$9,116-$91,162
Travel$79,798$8,866-$88,664
Office Expenses$55,250$6,139-$61,389
Fees for Services Accounting$53,171$5,907-$59,078
Other Expenses$37,289$5,487-$37,289
All Other Expenses$17,477$1,941-$19,418
Depreciation Depletion$16,446--$16,446
Advertising$12,873--$12,873
Fees for Services Lobbying-$9,200-$9,200
Fees for Services Legal$6,168$687-$6,855
Total Functional Expenses$3,134,003$236,684$0$3,370,687

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,370,687
Total Expenses per Audited Statements$3,370,687
Total Expenses per Form 990$3,370,687
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$367,936
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
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

“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

Filer Name
California Coastal Rural Development
EIN
94-0276025
Phone
8314241099
Address
221 MAIN STREET NO 301, SALINAS, CA 93901

Signing Officer

Name
Karl Zalazowski
Title
President
Phone
8314241099
Signed
2018-11-21
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Karl Zalazowski
Formed
1982
Legal Domicile
CA
Voting Board Members
12
Independent Board Members
12
Employees
18
Volunteers
33

Preparer

Firm
Vavrinektrineday & Co Llp
Address
10681 FOOTHILL BLVD SUITE 300, RANCHO CUCAMONGA, CA 91730
Preparer
Catherine L Gray
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 518 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/BOYAmt0366616
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0324911
IRS990/AccountsReceivableGrp/BOYAmt035543
IRS990/AccountsReceivableGrp/EOYAmt0116188
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/ProgramServicesAmt012873
IRS990/AdvertisingGrp/TotalAmt012873
IRS990/AllOtherContributionsAmt010000
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt01941
IRS990/AllOtherExpensesGrp/ProgramServicesAmt017477
IRS990/AllOtherExpensesGrp/TotalAmt019418
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0THE ORGANIZATION
IRS990/BooksInCareOfDetail/PhoneNum08314241099
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0221 MAIN STREET NO 301
IRS990/BooksInCareOfDetail/USAddress/CityNm0SALINAS
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0CA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd093901
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt039262
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0241920
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0281182
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt010000
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt00
IRS990/CYOtherExpensesAmt01904425
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt03548387
IRS990/CYRevenuesLessExpensesAmt0187700
IRS990/CYSalariesCompEmpBnftPaidAmt01466262
IRS990/CYTotalExpensesAmt03370687
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt03558387
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/ProgramServicesAmt016446
IRS990/DepreciationDepletionGrp/TotalAmt016446
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/ElectionOfBoardMembersInd00
IRS990/EmployeeCnt018
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EngagedInExcessBenefitTransInd00
IRS990/ExpenseAmt01061679
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditPerformedInd01
IRS990/FederalGrantAuditRequiredInd01
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt05907
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt053171
IRS990/FeesForServicesAccountingGrp/TotalAmt059078
IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt0687
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt06168
IRS990/FeesForServicesLegalGrp/TotalAmt06855
IRS990/FeesForServicesLobbyingGrp/ManagementAndGeneralAmt09200
IRS990/FeesForServicesLobbyingGrp/TotalAmt09200
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt01628
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt097455
IRS990/FeesForServicesOtherGrp/TotalAmt099083
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form8282PropertyDisposedOfInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt02.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt12.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt210.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt340.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt410.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt52.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt610.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt72.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt82.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt92.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt102.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1240.00
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/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt319786
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1121606
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1215339
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/PersonNm8JEFF RAWLINGS
IRS990/Form990PartVIISectionAGrp/PersonNm9CINDY MERZON
IRS990/Form990PartVIISectionAGrp/PersonNm10JOHN MOSKAL
IRS990/Form990PartVIISectionAGrp/PersonNm11JOSE GUERRA
IRS990/Form990PartVIISectionAGrp/PersonNm12LORRE VAN BEBBER
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt01650
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2800
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt3169422
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt42782
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt5900
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt61000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt71350
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt81300
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt91350
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11124320
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12106385
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/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/TitleTxt0VICE CHAIR & SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt1MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt2MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt3PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt4CHAIRMAN & CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt5MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt11SR FARM LOAN OFF
IRS990/Form990PartVIISectionAGrp/TitleTxt12BUSINESS DEVELOPMENT OFFIC
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01982
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt012
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt03558387
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt012
IRS990/IndivRcvdGreaterThan100KCnt04
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InterestGrp/ProgramServicesAmt0907677
IRS990/InterestGrp/TotalAmt0907677
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0192946
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0202256
IRS990/IRPDocumentCnt018
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0813044
IRS990/LandBldgEquipBasisNetGrp/BOYAmt031477
IRS990/LandBldgEquipBasisNetGrp/EOYAmt031199
IRS990/LandBldgEquipCostOrOtherBssAmt0844243
IRS990/LegalDomicileStateCd0CA
IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
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/BOYAmt010312702
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt011459348
IRS990/NetAssetsOrFundBalancesBOYAmt03425499
IRS990/NetAssetsOrFundBalancesEOYAmt03613199
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ManagementAndGeneralAmt019341
IRS990/OccupancyGrp/ProgramServicesAmt0174067
IRS990/OccupancyGrp/TotalAmt0193408
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt06139
IRS990/OfficeExpensesGrp/ProgramServicesAmt055250
IRS990/OfficeExpensesGrp/TotalAmt061389
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt084829
IRS990/OtherAssetsTotalGrp/EOYAmt0162609
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt019783
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0178044
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0197827
IRS990/OtherExpensesGrp/Desc0LOAN EXPENSE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2TELEPHONE
IRS990/OtherExpensesGrp/Desc3MISCELLANEOUS(RECOVERIE
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt05487
IRS990/OtherExpensesGrp/ProgramServicesAmt0265194
IRS990/OtherExpensesGrp/ProgramServicesAmt172986
IRS990/OtherExpensesGrp/ProgramServicesAmt249378
IRS990/OtherExpensesGrp/ProgramServicesAmt337289
IRS990/OtherExpensesGrp/TotalAmt0265194
IRS990/OtherExpensesGrp/TotalAmt172986
IRS990/OtherExpensesGrp/TotalAmt254865
IRS990/OtherExpensesGrp/TotalAmt337289
IRS990/OtherLiabilitiesGrp/BOYAmt057733
IRS990/OtherLiabilitiesGrp/EOYAmt0367936
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt096000
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0666821
IRS990/OtherSalariesAndWagesGrp/TotalAmt0762821
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt07865220
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt08508245
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt09116
IRS990/PayrollTaxesGrp/ProgramServicesAmt082046
IRS990/PayrollTaxesGrp/TotalAmt091162
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt013327
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt0119943
IRS990/PensionPlanContributionsGrp/TotalAmt0133270
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0KARL ZALAZOWSKI
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0JURISDICTIONAL INCOME
IRS990/ProgramServiceRevenueGrp/Desc1LOAN INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03166032
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1382355
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03166032
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1382355
IRS990/ProgSrvcAccomActy2Grp/Desc0DIRECT LOAN PROGRAM-MAKE DIRECT LOANS TO SMALL FARM OPERATORS UTILIZING USDA FARM SERVICES AGENCY LOAN GUARANTEES.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt01663462
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt02568825
IRS990/ProgSrvcAccomActy3Grp/Desc0INTERMEDIATE RELENDING PROGRAM-PROVIDES RELENDING TO SMALL BUSINESSES THAT MANUFACTURE OR PROVIDE SERVICES IN SMALL CITIES
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0124375
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt0127168
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/ExpenseAmt0260777
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt123710
IRS990/ProgSrvcAccomActyOtherGrp/RevenueAmt0156305
IRS990/ProgSrvcAccomActyOtherGrp/RevenueAmt135533
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt00
IRS990/PYOtherExpensesAmt01859944
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt03354693
IRS990/PYRevenuesLessExpensesAmt0126088
IRS990/PYSalariesCompEmpBnftPaidAmt01368661
IRS990/PYTotalExpensesAmt03228605
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03354693
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0187700
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0639754
IRS990/SavingsAndTempCashInvstGrp/BOYAmt05952535
IRS990/SavingsAndTempCashInvstGrp/EOYAmt06744897
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt010000
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt07500
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt017500
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt015863935
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct01.00000
IRS990ScheduleA/PublicSupportPY170Pct01.00000
IRS990ScheduleA/PublicSupportTotal170Amt017500
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt010000
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt07500
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt017500
IRS990ScheduleA/TotalSupportAmt017500
IRS990/ScheduleBRequiredInd01
IRS990ScheduleC/AvgGrassrootsNontaxableGrp/CurrentYearAmt076790
IRS990ScheduleC/AvgGrassrootsNontaxableGrp/CurrentYearMinus1Amt075362
IRS990ScheduleC/AvgGrassrootsNontaxableGrp/CurrentYearMinus2Amt075495
IRS990ScheduleC/AvgGrassrootsNontaxableGrp/CurrentYearMinus3Amt072633
IRS990ScheduleC/AvgGrassrootsNontaxableGrp/TotalAmt0300280
IRS990ScheduleC/AvgLobbyingNontaxableAmountGrp/CurrentYearAmt0307160
IRS990ScheduleC/AvgLobbyingNontaxableAmountGrp/CurrentYearMinus1Amt0301446
IRS990ScheduleC/AvgLobbyingNontaxableAmountGrp/CurrentYearMinus2Amt0301980
IRS990ScheduleC/AvgLobbyingNontaxableAmountGrp/CurrentYearMinus3Amt0290530
IRS990ScheduleC/AvgLobbyingNontaxableAmountGrp/TotalAmt01201116
IRS990ScheduleC/AvgTotalLobbyingExpendGrp/CurrentYearAmt09200
IRS990ScheduleC/AvgTotalLobbyingExpendGrp/CurrentYearMinus1Amt08800
IRS990ScheduleC/AvgTotalLobbyingExpendGrp/CurrentYearMinus2Amt08800
IRS990ScheduleC/AvgTotalLobbyingExpendGrp/CurrentYearMinus3Amt08100
IRS990ScheduleC/AvgTotalLobbyingExpendGrp/TotalAmt034900
IRS990ScheduleC/GrassrootsCeilingAmt0450420
IRS990ScheduleC/GrassrootsNontaxableGrp/FilingOrganizationsTotalAmt076790
IRS990ScheduleC/LobbyingCeilingAmt01801674
IRS990ScheduleC/LobbyingNontaxableAmountGrp/FilingOrganizationsTotalAmt0307160
IRS990ScheduleC/OtherExemptPurposeExpendGrp/FilingOrganizationsTotalAmt03134003
IRS990ScheduleC/TotalDirectLobbyingGrp/FilingOrganizationsTotalAmt09200
IRS990ScheduleC/TotalExemptPurposeExpendGrp/FilingOrganizationsTotalAmt03143203
IRS990ScheduleC/TotalLobbyingExpendGrp/FilingOrganizationsTotalAmt09200
IRS990ScheduleC/TotLbbyExpendMnsLbbyngNonTxGrp/FilingOrganizationsTotalAmt00
IRS990ScheduleC/TotLbbyngGrassrootMnsNonTxGrp/FilingOrganizationsTotalAmt00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02856
IRS990ScheduleD/BuildingsGrp/DepreciationAmt070491
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt073347
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt03370687
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt028343
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0742553
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0770896
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0367936
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0OTHER LIABILITIES
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt03558387
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/TotalBookValueLandBuildingsAmt031199
IRS990ScheduleD/TotalExpensesPerForm990Amt03370687
IRS990ScheduleD/TotalLiabilityAmt0367936
IRS990ScheduleD/TotalRevenuePerForm990Amt03558387
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt03558387
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt03370687
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/BaseCompensationFilingOrgAmt0169422
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$15,765,394
Liabilities
$12,152,195
Net assets
$3,613,199
Revenue
$3,558,387
Expenses
$3,370,687
Net income
$187,700
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