Civic Intelligence

Nor-Cal Fdc

990 • Fiscal year 2017 • EIN 94-2398760

Jul 01, 2016 to Jun 30, 2017 • Filed on May 07, 2018

Organization ProfileN/A

View Organization Page

300 Frank H Ogawa PlazaOakland, CA 94612

(510) 452-1171

Siviq Scores

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

Liabilities / Assets

88th percentile

0.67x

Higher debt load relative to assets than 88% of similar nonprofits.

2017 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2017

Liabilities / Revenue

88th percentile

0.79x

Higher debt load relative to revenue than 88% of similar nonprofits.

2017 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2017

Net Margin

14th percentile

-19%

Higher net margin than 14% of similar nonprofits.

2017 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2017

Top Officer Pay

88th percentile

$99,055

Higher top officer pay than 88% of similar nonprofits.

Top officer pay equals 12.3% of source-year revenue.

2017 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2017

Asset Growth

3rd percentile

-45%

Faster asset growth than 3% of similar nonprofits.

2017 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2016 to 2017

Revenue Growth

4th percentile

-52%

Faster revenue growth than 4% of similar nonprofits.

2017 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets88th percentile

Assets

Down

$943,302

Down $764,447 (-45%) from 2016

Net Assets

Down

$311,535

Down $762,863 (-71%) from 2016

Liabilities

Down

$631,767

Down $1,584 (-0.3%) from 2016

Revenue And Expenses
Liabilities / Revenue88th percentileNet Margin14th percentile

Revenue

Down

$803,150

Down $871,505 (-52%) from 2016

Expenses

Up

$955,038

Up $62,598 (+7.0%) from 2016

Net Income

Down

-$151,888

Down $934,103 (-119%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth3rd percentile

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

$2.0M$1.5M$1.0M$500K$0-$500KAssets 2011: $1,133,202Liabilities 2011: $1,130,860Net Assets 2011: $2,3422011Assets 2012: $1,098,594Liabilities 2012: $1,124,506Net Assets 2012: -$25,9122012Assets 2013: $1,169,387Liabilities 2013: $1,127,736Net Assets 2013: $41,6512013Assets 2014: $965,644Liabilities 2014: $911,323Net Assets 2014: $54,3212014Assets 2015: $924,792Liabilities 2015: $627,678Net Assets 2015: $297,1142015Assets 2016: $1,707,749Liabilities 2016: $633,351Net Assets 2016: $1,074,3982016Assets 2017: $943,302Liabilities 2017: $631,767Net Assets 2017: $311,5352017Assets 2018: $1,022,533Liabilities 2018: $669,443Net Assets 2018: $353,0902018Assets 2019: $1,079,101Liabilities 2019: $652,833Net Assets 2019: $426,2682019Assets 2020: $548,161Liabilities 2020: $309,494Net Assets 2020: $238,6672020Assets 2021: $662,140Liabilities 2021: $556,587Net Assets 2021: $105,5532021Assets 2022: $1,198,023Liabilities 2022: $344,924Net Assets 2022: $853,0992022Assets 2023: $1,107,075Liabilities 2023: $307,304Net Assets 2023: $799,7712023Assets 2024: $593,203Liabilities 2024: $193,226Net Assets 2024: $399,9772024Assets 2025: $1,832,041Liabilities 2025: $1,507,335Net Assets 2025: $324,7062025

Highlighted filing

2017

Assets$943,302
Liabilities$631,767
Net Assets$311,535
Open 2017 Filing

Operations Trend

Revenue Growth4th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MRevenue 2011: $319,896Expenses 2011: $466,654Net Income 2011: -$146,7582011Revenue 2012: $426,780Expenses 2012: $455,034Net Income 2012: -$28,2542012Revenue 2013: $547,652Expenses 2013: $480,089Net Income 2013: $67,5632013Revenue 2014: $372,580Expenses 2014: $389,754Net Income 2014: -$17,1742014Revenue 2015: $853,141Expenses 2015: $570,319Net Income 2015: $282,8222015Revenue 2016: $1,674,655Expenses 2016: $892,440Net Income 2016: $782,2152016Revenue 2017: $803,150Expenses 2017: $955,038Net Income 2017: -$151,8882017Revenue 2018: $1,175,657Expenses 2018: $1,134,102Net Income 2018: $41,5552018Revenue 2019: $1,854,467Expenses 2019: $1,780,773Net Income 2019: $73,6942019Revenue 2020: $1,773,597Expenses 2020: $1,836,681Net Income 2020: -$63,0842020Revenue 2021: $1,507,517Expenses 2021: $1,445,615Net Income 2021: $61,9022021Revenue 2022: $2,499,517Expenses 2022: $1,751,971Net Income 2022: $747,5462022Revenue 2023: $2,171,288Expenses 2023: $2,224,820Net Income 2023: -$53,5322023Revenue 2024: $2,044,125Expenses 2024: $2,444,814Net Income 2024: -$400,6892024Revenue 2025: $2,362,998Expenses 2025: $2,415,376Net Income 2025: -$52,3782025

Highlighted filing

2017

Revenue$803,150
Expenses$955,038
Net Income-$151,888
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2016 to Jun 30, 2017
Signed
May 7, 2018
Return Version
2016v3.0
Gross Receipts
$803,150
Mission and Program Overview

Mission

Nor-cal helped small businesses gain access to capital by providing guarantees to lenders throughout the nine counties of the san francisco bay area and around the state of california.

SEE NOTE

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$989,154$744,403▼ $244,751
Cash and Non-Interest-Bearing Accounts$471,871$117,565▼ $354,306
Accounts Receivable$242,481$77,200▼ $165,281
Land, Buildings, and Equipment, Net$2,343$2,234▼ $109
Prepaid Expenses and Deferred Charges$1,900$1,900→ $0
Total Assets$1,707,749$943,302▼ $764,447
Liabilities
Unsecured Notes Loans Payable$458,426$458,733▲ $307
Accounts Payable and Accrued Expenses$174,925$173,034▼ $1,891
Total Liabilities$633,351$631,767▼ $1,584
Net Assets / Fund Balance
Temporarily Rstr Net Assets$1,074,398$311,535▼ $762,863
Total Net Assets Fund Balance$1,074,398$311,535▼ $762,863
Total Liabilities and Net Assets / Fund Balance$1,707,749$943,302▼ $764,447

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$2,234$82,158$84,392
Compensation and Service Providers
Top Officer Pay88th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Sanford LivingstonCEOFT$99,055$99,055
Elza MinorPresident/acting SecretaryPT$9,602$9,602

Board Members and Trustees

NameTitle
R Stven WilkensonChairman
William Bill JoinerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$440,431
Program Service Revenue
$362,719
Investment Income
$0
Other Revenue
$0
All Other Contributions
$440,431
Change in Net Assets
$-151,888
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$579,533
Salaries, Compensation, and Employee Benefits$375,505
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
All Other Expenses$198,925$7,102$0$206,027
Other Salaries and Wages$130,463$65,421$0$195,884
Current Officers, Directors, Trustees, and Key Employees$89,099$19,558$0$108,657
Payroll Taxes$48,449$12,346$0$60,795
Occupancy$49,483$10,326$0$59,809
Fees for Services Accounting$0$31,716$0$31,716
Office Expenses$0$21,906$0$21,906
Other Employee Benefits$10,169$0$0$10,169
Other Expenses$3,819$1,991$0$5,810
Advertising$0$4,251$0$4,251
Insurance$2,948$0$0$2,948
Interest$2,925$0$0$2,925
Travel$2,768$0$0$2,768
Depreciation Depletion$0$516$0$516
Total Functional Expenses$763,433$191,605$0$955,038
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
Filing and Contact Details

Filer

Filer Name
Nor-cal Fdc
EIN
94-2398760
Phone
5104521171
Address
300 FRANK H OGAWA PLAZA, OAKLAND, CA 94612

Signing Officer

Name
Sanford Livingston
Title
CEO
Phone
5104521171
Signed
2018-05-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Arthur Washington
Formed
1978
Legal Domicile
CA
Voting Board Members
4
Independent Board Members
4
Employees
5
Volunteers
4

Preparer

Firm
Christopher Akhidenor CPA
Address
303 HEGENBERGER RD SUITE 308, OAKLAND, CA 94621
Preparer
Christopher Akhidenor
Phone
5104520262
Supplemental Narrative

Additional Explanations

Pt VI, Line 11B

“The ceo distributes the form 990 to the board members to review before filing.”

Pt VI, Line 12C

“The organization regularly and consistently monit or andenforce the conflict of interest policy.”

Pt VI, Line 15B

“The compensations of the officers and top management are approved by the board of directors.”

Pt VI, Line 15A

“The compensations of the officers and top managemen tare approved by the board of directors.”

Form 990, Part IX, Line 24E

“Dues and subscriptions 5139. 4339. 800. 0.”

Form 990, Part IX, Line 24E

“Telephone 16135. 14785. 1350. 0.”

Form 990, Part IX, Line 24E

“DONATIONS 86. 0. 86. 0.”

Form 990, Part IX, Line 24E

“Licenses and fees 362. 0. 362. 0.”

Form 990, Part IX, Line 24E

“Bank service charge 1974. 0. 1974. 0.”

Form 990, Part IX, Line 24E

“Loan servicing 32208. 32208. 0. 0.”

Form 990, Part IX, Line 24E

“Commission 142434. 142434. 0. 0.”

Form 990, Part IX, Line 24E

“Repairs & maintenance 33. 0. 33. 0.”

Form 990, Part IX, Line 24E

“Meals & entertainment 4732. 2235. 2497. 0.”

Form 990, Part IX, Line 24E

“Special events 2924. 2924. 0. 0.”

Raw XML Appendix383 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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CEO DISTRIBUTES THE FORM 990 TO THE BOARD MEMBERS TO REVIEW BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION REGULARLY AND CONSISTENTLY MONIT OR ANDENFORCE THE CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE COMPENSATIONS OF THE OFFICERS AND TOP MANAGEMENT ARE APPROVED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE COMPENSATIONS OF THE OFFICERS AND TOP MANAGEMEN TARE APPROVED BY THE BOARD OF DIRECTORS.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5TELEPHONE 16135. 14785. 1350. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6DONATIONS 86. 0. 86. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7LICENSES AND FEES 362. 0. 362. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8BANK SERVICE CHARGE 1974. 0. 1974. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9LOAN SERVICING 32208. 32208. 0. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10COMMISSION 142434. 142434. 0. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11REPAIRS & MAINTENANCE 33. 0. 33. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12MEALS & ENTERTAINMENT 4732. 2235. 2497. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13SPECIAL EVENTS 2924. 2924. 0. 0.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc13Form 990, Part IX, Line 24e
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IRS990/TotalReportableCompFromOrgAmt0108657
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IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0803150
IRS990/TotalVolunteersCnt04
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01707749
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0943302
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IRS990/TravelGrp/ManagementAndGeneralAmt00
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ReturnHeader/BusinessOfficerGrp/PersonNm0SANFORD LIVINGSTON
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ReturnHeader/BusinessOfficerGrp/PhoneNum05104521171
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-05-07
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ReturnHeader/Filer/PhoneNum05104521171
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ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt073.241.168.100
ReturnHeader/FilingSecurityInformation/IPDt02018-05-07
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0PD
ReturnHeader/FilingSecurityInformation/IPTm016:16:28
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CHRISTOPHER AKHIDENOR CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0303 HEGENBERGER RD SUITE 308
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0OAKLAND
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd094621
ReturnHeader/PreparerPersonGrp/PhoneNum05104520262
ReturnHeader/PreparerPersonGrp/PreparationDt02018-05-07
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0CHRISTOPHER AKHIDENOR
ReturnHeader/ReturnTs02018-05-07T16:16:39-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-07-01
ReturnHeader/TaxPeriodEndDt02017-06-30
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$943,302
Liabilities
$631,767
Net assets
$311,535
Revenue
$803,150
Expenses
$955,038
Net income
-$151,888
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$1.83$1.51$0.32$2.36$2.42$0.05
2024Detailed filing. Detailed filing data is available for this year.$0.59$0.19$0.40$2.04$2.44$0.40
2023Detailed filing. Detailed filing data is available for this year.$1.11$0.31$0.80$2.17$2.22$0.05
2022Detailed filing. Detailed filing data is available for this year.$1.20$0.34$0.85$2.50$1.75$0.75
2021Detailed filing. Detailed filing data is available for this year.$0.66$0.56$0.11$1.51$1.45$0.06
2020Detailed filing. Detailed filing data is available for this year.$0.55$0.31$0.24$1.77$1.84$0.06
2019Detailed filing. Detailed filing data is available for this year.$1.08$0.65$0.43$1.85$1.78$0.07
2018Detailed filing. Detailed filing data is available for this year.$1.02$0.67$0.35$1.18$1.13$0.04
2017Detailed filing. Detailed filing data is available for this year.$0.94$0.63$0.31$0.80$0.96$0.15
2016Detailed filing. Detailed filing data is available for this year.$1.71$0.63$1.07$1.67$0.89$0.78
2015Summary only. Only limited summary data is available for this year.$0.92$0.63$0.30$0.85$0.57$0.28
2014Summary only. Only limited summary data is available for this year.$0.97$0.91$0.05$0.37$0.39$0.02
2013Summary only. Only limited summary data is available for this year.$1.17$1.13$0.04$0.55$0.48$0.07
2012Summary only. Only limited summary data is available for this year.$1.10$1.12$0.03$0.43$0.46$0.03
2011Summary only. Only limited summary data is available for this year.$1.13$1.13$0.00$0.32$0.47$0.15