2023-11-09T11:16:45-06:00 2022-12-31 221478099 COHNREZNICK LLP 14 SYLVAN WAY PARSIPPANY NJ 070543801 990 2022-01-01 810500256 MONTANA COMMUNITY DEVELOPMENT CORP MONT 4067289234 229 EAST MAIN STREET MISSOULA MT 59802 DAVID GLASER PRESIDENT 4067289234 2023-11-08 1 DAVID GLASER 999009999 1 LORI ROTHE YOKOBOSKY CPA P01273422 9732283500 2023-11-03 2 AAL1 IAL1 2022 2023-04-26 12:10:37Z MOFI NANCY QUIST 229 EAST MAIN STREET MISSOULA MT 59802 20160998 0 X WWW.MOFI.ORG X 1995 MT MONTANA COMMUNITY DEVELOPMENT CORPORATION (DBA "MOFI") PROVIDES FINANCING AND CONSULTING SERVICES THAT TRANSFORM LIVES AND COMMUNITIES. 11 10 41 10 0 0 5939760 6591235 11357139 13469288 115980 96945 14225 3530 17427104 20160998 12000 561000 0 0 5529290 6651410 28150 0 0 4869564 2605225 10439004 9817635 6988100 10343363 128107962 89408341 83992736 34949752 44115226 54458589 X MONTANA COMMUNITY DEVELOPMENT CORPORATION (DBA "MOFI") PROVIDES FINANCING AND CONSULTING THAT TRANSFORM LIVES AND COMMUNITIES. 0 0 8280240 561000 13296934 FOUNDED IN 1986, MONTANA COMMUNITY DEVELOPMENT CORPORATION, DOING BUSINESS AS MOFI ("MOFI"), IS A 501(C)(3) NONPROFIT ORGANIZATION WITH A MISSION TO PROVIDE FINANCING AND CONSULTING THAT TRANSFORMS LIVES AND COMMUNITIES. MOFI IS A COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION ("CDFI") AND NEW MARKETS TAX CREDIT ("NMTC'") LENDER PROVIDING ACCESS TO CAPITAL AND FREE FINANCIAL CONSULTING SERVICES FOR PEOPLE WHO HAVE BEEN LEFT OUT OF THE FINANCIAL MAINSTREAM. MOFI IS INSPIRED BY ONE VISION: TRANSFORMING THE FINANCIAL SYSTEM TO WORK FOR EVERYONE.MOFI WORKS IN THE ROCKY MOUNTAIN WEST AND HAS TWO PRIMARY LENDING PROGRAMS: (1) PROVIDING LOANS TO SMALL AND MICROBUSINESSES THAN CANNOT SECURE CONVENTIONAL FINANCING, AND (2) PROVIDING NMTC ENHANCED LOANS TO CATALYTIC PROJECTS THAT CREATE JOBS, PROVIDE CRITICAL COMMUNITY SERVICES, AND TRANSFORM ECONOMIES IN THE REGION'S MOST IMPOVERISHED AREAS. 175884 IN ADDITION TO ITS TWO CORE PROGRAMS, MOFI OFFERS TWO SMALLER HOME LOAN PROGRAMS IN MONTANA, A STATE CHARACTERIZED BY HIGH HOUSING COSTS AND LOW WAGES. THESE PROGRAMS INCLUDE HOMENOW, A DOWN PAYMENT ASSISTANCE PROGRAM OFFERING DOWN PAYMENT GRANTS AND LOANS, AND EHRL (EMERGENCY HOME REPAIR LOAN) A CONSUMER LOAN FOR URGENT HOME REPAIRS FOR PEOPLE LIVING IN MANUFACTURED HOUSING. 8280240 1 1 0 1 0 0 0 0 0 0 1 0 0 0 1 1 1 0 0 0 0 0 0 1 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 1 65 0 1 41 1 0 0 0 0 0 0 0 0 0 0 0 0 X 11 10 0 0 0 0 0 0 0 1 1 0 0 0 1 1 1 1 1 1 1 0 OR UT X RACHEL MCDONOUGH 4067289234 229 EAST MAIN STREET MISSOULA MT 59802 ALLISON JOHNSTON DIRECTOR 1.00 X 0 0 0 BOB GAUTHIER DIRECTOR 1.00 X 0 0 0 DAVID GLASER PRESIDENT 40.00 X X 520859 0 38060 DON KING DIRECTOR 1.00 X 0 0 0 KALLI RYTI DIRECTOR 1.00 X 0 0 0 LISA COOPER DIRECTOR 1.00 X 0 0 0 NANCY QUIST CHAIRPERSON 1.00 X X 0 0 0 NATALIE CAMACHO MENDOZA DIRECTOR 1.00 X 0 0 0 SARA SMITH VICE-CHAIRPERSON & TREASUR 1.00 X X 0 0 0 SERENA RUNDBERG DIRECTOR 1.00 X 0 0 0 TOM SERVERSON SECRETARY 1.00 X X 0 0 0 HEIDI DEARMENT VP & CFO 40.00 X 515389 0 43932 GREG ASTLE DIRECTOR OF TAX CREDIT LEN 40.00 X 345106 0 26479 ALYSSA PETERMAN BUSINESS DEVELOPMENT MANAGER 40.00 X 119177 0 16579 BEN WRIGHT DIRECTOR OF OPERATIONS 40.00 X 284521 0 36981 BETSY BEAUVAIS DIRECTOR OF LENDING 40.00 X 302826 0 41864 LEAH KNICKERBOCKER CHIEF LENDING OFFICER 40.00 X 142886 0 22879 RACHEL MCDONOUGH DIRECTOR OF FINANCE 40.00 X 253481 0 32892 2484245 0 259666 8 0 1 0 0 4966470 1624765 6591235 LOAN INTEREST & FEES - PPP 525990 5649288 5649288 NMTC FEES 525990 4412209 4412209 LOAN INTEREST & FEES 525990 3190400 3190400 LOAN INTEREST & FEES - DOWN PAYME 525990 217391 217391 13469288 96945 96945 3530 3530 3530 20160998 13472818 0 96945 561000 561000 1489825 1260987 228838 4211034 3564219 646815 236787 200417 36370 384124 325123 59001 329640 279007 50633 7092 6003 1089 85128 72052 13076 28079 28079 765751 744527 21224 440813 440813 184636 156276 28360 714760 604973 109787 703651 595571 108080 352552 298400 54152 490423 490423 442910 374879 68031 151439 128178 23261 STAFF DEVELOPMENT 542672 459318 83354 LOAN EXPENSE 71378 71378 REPAIRS & MAINTENANCE 22111 18715 3396 LOAN LOSS PROVISION -2410724 -2410724 12554 10626 1928 9817635 8280240 1537395 0 291370 348391 41969410 36251465 1623405 595228 81585674 49416696 57309 44553 4860852 2276353 2539904 2584499 40890 38083 129426 128107962 89408341 754915 1845486 1873400 2427849 22639568 25111035 58724853 5565382 83992736 34949752 X 39423759 50508471 4691467 3950118 44115226 54458589 128107962 89408341 10343363 0 X 0 1 X 1 1 1 X 1988247 1072862 6675255 5939760 6591235 22267359 1988247 1072862 6675255 5939760 6591235 22267359 4555415 17711944 71769 91694 103816 115980 96945 480204 176691 26117 27716 14225 3530 248279 22995842 48761169 0.77020 0.71000 X SCHEDULE A, PART II, LINE 10, EXPLANATION OF OTHER INCOME: OTHER - 2018 AMOUNT: $ 176,691. 2019 AMOUNT: $ 26,117. 2020 AMOUNT: $ 27,716. 2021 AMOUNT: $ 14,225. 2022 AMOUNT: $ 3,530. RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 23079 23079 9794556 9817635 640882 160221 0 0 517339 660101 671950 640882 2490272 3735408 17400 34400 23757 23079 98636 129335 165025 167988 160221 622569 933854 SCHEDULE C, PART II-A MOFI'S LOBBYING EXPENSE IS FOR MEMBERSHIP DUES TO INDUSTRY COALITIONS THAT ENSURE THAT IMPACT DATA FROM KEY FEDERAL PROGRAMS BY THE U.S. SMALL BUSINESS ADMINISTRATION, UNITED STATES DEPARTMENT OF AGRICULTURE RURAL DEVELOPMENT, THE COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS FUND, AND HEALTH AND HUMAN SERVICES ARE SHARED WITH MEMBERS OF THE US SENATE AND HOUSE OF REPRESENTATIVES. 300000 300000 2514536 607098 1907438 1850552 1473491 377061 195764 195764 0 2584499 DUE TO OTHER AGENCIES 5565382 5565382 X 20160998 0 20160998 0 20160998 9817635 0 9817635 0 9817635 PART X, LINE 2: MANAGEMENT HAS ANALYZED THE TAX POSITIONS TAKEN BY THE MOFI AND HAS CONCLUDED THAT, AS OF DECEMBER 31 2022, THERE ARE NO UNCERTAIN TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN THAT WOULD REQUIRE RECOGNITION OF A LIABILITY (OR ASSET) OR DISCLOSURE IN THE FINANCIAL STATEMENTS. MOFI IS NO LONGER SUBJECT TO EXAMINATIONS BY FEDERAL TAX AUTHORITIES FOR YEARS BEFORE 2019. X X X X X X 1 LINK CONSULTING LLC 229 E MAIN ST MISSOULA MT 59802 GRANT WRITING 0 1015574 27322 988252 BLUESTEM CONSULTING INC 60 HILLSIDE DR BUFFALO WY 82834 GRANT WRITING 0 870000 14100 855900 POLICY & MANAGEMENT ASSOCIATES INC 89 SCHOOL STREET SUITE TWO CHARLESTOWN MA 02129 GRANT WRITING 0 181574 18750 162824 2067148 60172 2006976 MT ID WY WA OR UT 1 3 RIVERS EYECARE LLC 700 SOUTH AVENUE W MISSOULA MT 59801 471273207 8500 0 PROFESSIONAL ASSISTANCE/SERVICES FOR CLIENT AESTHETIC ORAL ARTS INC 1106 W PARK STREET LIVINGSTON MT 59047 810531650 8500 0 PROFESSIONAL ASSISTANCE/SERVICES FOR CLIENT AJ CREATIONS LLC 2600 SOUTH 3RD STREET WEST MISSOULA MT 59804 201423774 8500 0 PROFESSIONAL ASSISTANCE/SERVICES FOR CLIENT ALPINE LIGHTING CENTER INC 150 1ST AVE WN KALISPELL MT 59901 460489898 8500 0 PROFESSIONAL ASSISTANCE/SERVICES FOR CLIENT ALTER ENTERPRISE LLC 107 SOUTH EASY STREET MISSOULA MT 59802 208023643 8500 0 PROFESSIONAL ASSISTANCE/SERVICES FOR CLIENT APORTA TEXTILES LLC 117 W FRONT ST 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PURSUITS LLC 111 EAST OAK STREET BOZEMAN MT 59715 834166112 8500 0 PROFESSIONAL ASSISTANCE/SERVICES FOR CLIENT VAPOR DETAILING LLC 2020 N LAST CHANE GULCH HELENA MT 59601 813081462 8500 0 PROFESSIONAL ASSISTANCE/SERVICES FOR CLIENT VETERINARY EMERGENCY & SPECIALTY GROUP PLLC 1914 S RESERVE STREET MISSOULA MT 59801 454015989 8500 0 PROFESSIONAL ASSISTANCE/SERVICES FOR CLIENT WILDLAND FIRE SERVICES LLC 7105 HIGHWAY 12 W LOLO MT 59847 874375535 8500 0 PROFESSIONAL ASSISTANCE/SERVICES FOR CLIENT WITZEL MILLER ENTERPRISES LLC 438 N 7TH AVENUE BOZEMAN MT 59715 883414870 8500 0 PROFESSIONAL ASSISTANCE/SERVICES FOR CLIENT 0 66 PART I, LINE 2: MONTANA COMMUNITY DEVELOPMENT CORPORATION (DBA "MOFI") PROVIDES PROFESSIONAL ASSISTANCE GRANTS TO ITS BORROWERS FOR PROFESSIONAL SERVICES THROUGH LEGAL, ACCOUNTING AND MARKETING GRANTS. MOFI RECEIVES REPORTING FROM THE GRANTEE TO MONITOR THE USE OF PROCEEDS ON ITS GRANTS. X 1 1 X X X 0 0 0 1 0 0 0 1 0 HEIDI DEARMENT VP & CFO 369770 0 143574 0 2045 0 12638 0 31294 0 559321 0 0 0 DAVID GLASER PRESIDENT 376460 0 143574 0 825 0 12638 0 25422 0 558919 0 0 0 GREG ASTLE DIRECTOR OF TAX CREDIT LEN 247138 0 96888 0 1080 0 8400 0 18079 0 371585 0 0 0 BETSY BEAUVAIS DIRECTOR OF LENDING 213585 0 89241 0 0 0 8920 0 32944 0 344690 0 0 0 BEN WRIGHT DIRECTOR OF OPERATIONS 204514 0 78807 0 1200 0 8383 0 28598 0 321502 0 0 0 RACHEL MCDONOUGH DIRECTOR OF FINANCE 178169 0 74462 0 850 0 7189 0 25703 0 286373 0 0 0 LEAH KNICKERBOCKER CHIEF LENDING OFFICER 120707 0 20979 0 1200 0 4800 0 18079 0 165765 0 0 0 PART I, LINE 1A MOFI PROVIDES A BENEFIT FOR ALL EMPLOYEES TO PAY GYM MEMBERSHIP DUES. THESE DUES ARE TREATED AS TAXABLE INCOME. THESE AMOUNTS ARE INCLUDED ON SCHEDULE J, PART II, COLUMN B(III) AND INCLUDED IN THE INDIVIDUALS 2022 W-2S. PART I, LINE 5 IN 2022, MOFI ESTABLISHED AN EXECUTIVE BONUS PLAN. PART I, LINE 7 INCLUDED IN SCHEDULE J, PART II COLUMN B(II) ARE AMOUNTS REPRESENTING BONUSES. THESE AMOUNTS WERE INCLUDED IN THE INDIVIDUALS 2022 W-2 AND APPROVED BY THE BOARD. FORM 990, PART VI, SECTION B, LINE 11B THE FINANCE COMMITTEE REVIEWS THE FORM 990 ON BEHALF OF THE BOARD. FORM 990, PART VI, SECTION B, LINE 12C BOARD AND STAFF ANNOUNCE POTENTIAL CONFLICTS OF INTEREST AT APPROPRIATE MEETINGS (LOAN COMMITTEE & BOARD MEETINGS) AS WELL AS ANNUALLY DISCLOSING CONFLICTS ON OUR CONFLICT OF INTEREST FORMS. FORM 990, PART VI, SECTION B, LINE 15 THE ORGANIZATION DETERMINES COMPENSATION FOR ALL MANAGEMENT STAFF AND FOR THE MAJORITY OF THE OTHER STAFF MEMBERS BY CONDUCTING STAFF AND POSITION SPECIFIC SALARY SURVEYS, INDUSTRY INTERVIEWS, AND REVIEWS OF 990'S FOR INDUSTRY AND OTHER PEER ORGANIZATIONS. THE CEO'S COMPENSATION IS ESTABLISHED ANNUALLY BY THE EXECUTIVE COMMITTEE BASED ON THE SURVEY RESULTS. 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