Civic Intelligence

Nor-Cal Fdc

990 • Fiscal year 2018 • EIN 94-2398760

Jul 01, 2017 to Jun 30, 2018 • Filed on Dec 31, 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

85th percentile

0.65x

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

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Liabilities / Revenue

80th percentile

0.57x

Higher debt load relative to revenue than 80% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Net Margin

52nd percentile

3.5%

Higher net margin than 52% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Top Officer Pay

90th percentile

$200,148

Higher top officer pay than 90% of similar nonprofits.

Top officer pay equals 17.0% of source-year revenue.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Asset Growth

70th percentile

8.4%

Faster asset growth than 70% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2017 to 2018

Revenue Growth

87th percentile

46%

Faster revenue growth than 87% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets85th percentile

Assets

Up

$1,022,533

Up $79,231 (+8.4%) from 2017

Net Assets

Up

$353,090

Up $41,555 (+13%) from 2017

Liabilities

Up

$669,443

Up $37,676 (+6.0%) from 2017

Revenue And Expenses
Liabilities / Revenue80th percentileNet Margin52nd percentile

Revenue

Up

$1,175,657

Up $372,507 (+46%) from 2017

Expenses

Up

$1,134,102

Up $179,064 (+19%) from 2017

Net Income

Up

$41,555

Up $193,443 (+127%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth70th 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

2018

Assets$1,022,533
Liabilities$669,443
Net Assets$353,090
Open 2018 Filing

Operations Trend

Revenue Growth87th 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

2018

Revenue$1,175,657
Expenses$1,134,102
Net Income$41,555
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2017 to Jun 30, 2018
Signed
Dec 31, 2018
Return Version
2017v2.2
Gross Receipts
$1,175,657
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.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$744,403$799,957▲ $55,554
Accounts Receivable$77,200$154,090▲ $76,890
Cash and Non-Interest-Bearing Accounts$117,565$67,690▼ $49,875
Prepaid Expenses and Deferred Charges$1,900--
Land, Buildings, and Equipment, Net$2,234$796▼ $1,438
Total Assets$943,302$1,022,533▲ $79,231
Liabilities
Unsecured Notes Loans Payable$458,733$458,733→ $0
Accounts Payable and Accrued Expenses$173,034$210,710▲ $37,676
Total Liabilities$631,767$669,443▲ $37,676
Net Assets / Fund Balance
Unrestricted Net Assets$311,535$353,090▲ $41,555
Total Net Assets Fund Balance$311,535$353,090▲ $41,555
Total Liabilities and Net Assets / Fund Balance$943,302$1,022,533▲ $79,231

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$796$83,396$84,192
Compensation and Service Providers
Top Officer Pay90th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Sanford LivingstonCEOFT$200,148$200,148
Byron PhillipsExecutive Vice PresidentFT$194,676$194,676

Board Members and Trustees

NameTitle
R Steven WilkensonChairman
Elza MinorPresident/acting Secretary
Aben HillBoard Member
Frank TuckerBoard Member
Byron Phillips-
Sanford Livingston-
William Bill JoinerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$242,319
Program Service Revenue
$922,718
Investment Income
$820
Other Revenue
$9,800
All Other Contributions
$500
Change in Net Assets
$41,555
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$636,617
Salaries, Compensation, and Employee Benefits$497,485
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$394,824$0$0$394,824
Other Salaries and Wages$0$76,813$0$76,813
Fees for Services Accounting$0$61,708$0$61,708
Occupancy$51,680$9,120$0$60,800
All Other Expenses$32,034$11,150$0$43,184
Office Expenses$4,916$18,770$0$23,686
Travel$18,734$306$0$19,040
Other Employee Benefits$0$13,117$0$13,117
Payroll Taxes$0$12,731$0$12,731
Insurance$3,790$0$0$3,790
Other Expenses$925$2,045$0$2,970
Interest$0$892$0$892
Conferences and Meetings$60$825$0$885
Advertising$700$100$0$800
Total Functional Expenses$921,892$212,210$0$1,134,102
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
2018-12-31
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sanford Livingston
Formed
1978
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
7
Employees
3
Volunteers
5

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 board goes over the 990 in the board meeting.”

Pt VI, Line 12C

“The board and the executive director regularly and the board and the executive director regularly and policy.”

Pt VI, Line 15A

“The board reviews and approves payroll of the ed and top management.”

Pt VI, Line 15B

“The board reviews and approves payroll of other employees.”

Form 990, Part IX, Line 24E

“Dues and subscriptions 5315. 3300. 2015. 0.”

Form 990, Part IX, Line 24E

“Telecommunication 14501. 14321. 180. 0.”

Form 990, Part IX, Line 24E

“Training and education 5022. 4970. 52. 0.”

Form 990, Part IX, Line 24E

“Licenses and fees 1302. 1302. 0. 0.”

Form 990, Part IX, Line 24E

“Bank service charge 5933. 0. 5933. 0.”

Form 990, Part IX, Line 24E

“Loan servicing 5600. 5600. 0. 0.”

Form 990, Part IX, Line 24E

“Special events 160. 0. 160. 0.”

Form 990, Part IX, Line 24E

“Payroll processing fees 1924. 0. 1924. 0.”

Form 990, Part IX, Line 24E

“Repairs & maintenance 150. 0. 150. 0.”

Form 990, Part IX, Line 24E

“Filing fees 75. 0. 75. 0.”

Form 990, Part IX, Line 24E

“Meals & entertainment 956. 891. 65. 0.”

Form 990, Part IX, Line 24E

“Contributions & gifts 596. 0. 596. 0.”

Form 990, Part IX, Line 24E

“Bad debt 1650. 1650. 0. 0.”

Raw XML AppendixShowing 400 of 429 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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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1BYRON PHILLIPS
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE BOARD GOES OVER THE 990 IN THE BOARD MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD AND THE EXECUTIVE DIRECTOR REGULARLY AND THE BOARD AND THE EXECUTIVE DIRECTOR REGULARLY AND POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD REVIEWS AND APPROVES PAYROLL OF THE ED AND TOP MANAGEMENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD REVIEWS AND APPROVES PAYROLL OF OTHER EMPLOYEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4DUES AND SUBSCRIPTIONS 5315. 3300. 2015. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5TELECOMMUNICATION 14501. 14321. 180. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6TRAINING AND EDUCATION 5022. 4970. 52. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7LICENSES AND FEES 1302. 1302. 0. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8BANK SERVICE CHARGE 5933. 0. 5933. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9LOAN SERVICING 5600. 5600. 0. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10SPECIAL EVENTS 160. 0. 160. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11PAYROLL PROCESSING FEES 1924. 0. 1924. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12REPAIRS & MAINTENANCE 150. 0. 150. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13FILING FEES 75. 0. 75. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14MEALS & ENTERTAINMENT 956. 891. 65. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt15CONTRIBUTIONS & GIFTS 596. 0. 596. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt16BAD DEBT 1650. 1650. 0. 0.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 15b
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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc14Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc15Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc16Form 990, Part IX, Line 24e
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ReturnHeader/BusinessOfficerGrp/PersonNm0SANFORD LIVINGSTON
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ReturnHeader/BusinessOfficerGrp/PhoneNum05104521171

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$1,022,533
Liabilities
$669,443
Net assets
$353,090
Revenue
$1,175,657
Expenses
$1,134,102
Net income
$41,555
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