2024-07-11T14:39:03-05:00 2023-08-31 410746749 CLIFTONLARSONALLEN 901 N GLEBE ROAD SUITE 200 ARLINGTON VA 22203 990 2022-09-01 521001304 AMERICAN BANKERS ASSOCIATION AMER 2026635054 1333 NEW HAMPSHIRE AVE NW WASHINGTON DC 20036 KARIN PETERSEN FLYNN CHIEF FINANCIAL OFFICER 2026635054 2024-07-10 1 KARIN PETERSEN FLYNN 521001304 1 AMY CHAPMAN P00843460 5712279500 2024-07-10 2 AAL1 IAL1 2022 2023-04-26 12:10:37Z ROBERT S NICHOLS 1333 NEW HAMPSHIRE AVE NW WASHINGTON DC 20036 164312592 0 X WWW.ABA.COM X 1875 DC PROVIDE ADVOCACY, EDUCATION, & SOLUTIONS TO ITS MEMBERS AND THE FINANCIAL SERVICES INDUSTRY 25 24 408 1200 1488276 31350 2367636 589673 82606141 93310304 13154778 15304336 494696517 41454770 592825072 150659083 166000 299982 0 0 69645596 78097222 0 0 0 48974380 59237803 118785976 137635007 474039096 13024076 708168992 782282636 135033464 168907744 573135528 613374892 X SEE SCHEDULE OTHE ABA'S MISSION IS TO BE A MEMBER-FOCUSED ORGANIZATION THAT PROVIDES ADVOCACY, EDUCATION, BUSINESS SOLUTIONS, AND FORUMS FOR AN EXCHANGE OF VIEWS AND INFORMATION THAT ASSISTS OUR MEMBERS IN PROVIDING FINANCIAL SERVICES TO THEIR COMMUNITIES IN COMPLIANCE WITH THE COMPLEX AND CHALLENGING REGULATORY AND STATUTORY ENVIRONMENT THAT GOVERNS THEIR OPERATIONS. 0 0 CONVENTION, CONFERENCES, SCHOOLS, PROFESSIONAL CERTIFICATIONS AND REMOTE LEARNING OPPORTUNITIES:THE FINANCIAL SERVICES INDUSTRY IS A HIGHLY REGULATED INDUSTRY THAT REQUIRES CONSTANT EDUCATION ON THE CHANGING RULES INCLUDING NEW OR ENHANCED REGULATION, SUPERVISION AND OVERSIGHT. ABA OFFERS OPPORTUNITIES FOR GAINING INSIGHT AND GREATER UNDERSTANDING THROUGH IN-PERSON AND VIRTUAL MEETINGS, ONSITE SCHOOLS, CERTIFICATIONS AND AT-THE-DESK OFFERINGS INCLUDING WEBINARS AND INTERNET CLASSES. MEMBERSHIP RELATIONS AND COMMUNICATIONS:ABA OUTREACHES TO ITS MEMBERSHIP THROUGH A NUMBER OF COMMUNICATION TOOLS INCLUDING DAILY EMAIL NEWS, WEEKLY SUMMARIES, ITS WEBSITE, AND BRIEFINGS ON THE CHANGING ADVOCACY AND REGULATORY ISSUES. THESE EFFORTS FACILITATE THE DEVELOPMENT OF ABA'S POLICY POSITIONS AND PROVIDE THE MEMBERSHIP AND OTHERS WITH THE BACKGROUND AND TOOLS FOR FURTHER USE IN THEIR LOCAL COMMUNITIES. PUBLICATIONS, PRODUCTS AND SERVICES:THE ABA OFFERS BOOKS, TOOL KITS, SEVERAL MAGAZINES, E-BULLETINS, AND A VARIETY OF PRODUCTS AND SERVICES IN AN EFFORT TO EDUCATE AND FACILITATE THE CONTINUED COMPLIANCE AND COMPETITIVENESS OF THE INDUSTRY IT SERVES. 0 1 1 1 0 0 0 0 1 1 0 0 1 1 1 0 1 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 1 1 1 1 0 1 415 0 1 408 1 1 1 0 0 0 1 1 0 1 0 X 25 24 0 0 0 0 1 1 1 1 1 0 0 1 1 1 1 1 1 1 1 1 1 X CRYSTAL REDDING 2026635384 1333 NEW HAMPSHIRE AVENUE NORTHWEST WASHINGTON DC 20036 ROBERT S NICHOLS PRESIDENT AND CEO 36.50 1.00 X X 3433603 0 62913 DANIEL D ROBB CHAIR 1.00 X X 0 0 0 JULIEANN M THURLOW CHAIR ELECT 1.00 X X 0 0 0 JOHN C ASBURY VICE CHAIR 1.00 X X 0 0 0 CARISSA RODEHEAVER TREASURER 1.00 X X 0 0 0 A SCOTT ANDERSON CHAIR, NOMINATING COMMITTE 1.00 X 0 0 0 FRED L GREEN III CHAIR, ABA/STATE ASSOCIATI 1.00 X 0 0 0 SARAH A LONG VICE CHAIR, ABA/STATE ASSO 1.00 X 0 0 0 CATHERINE OWEN CHAIR, GOVERNMENT RELATION 1.00 X 0 0 0 ANDREW ANDERSON BOARD MEMBER 1.00 X 0 0 0 BRENT BEARDALL BOARD MEMBER 1.00 X 0 0 0 CHERYL D BOWERS BOARD MEMBER 1.00 X 0 0 0 BRYAN D BRUNS BOARD MEMBER 1.00 X 0 0 0 JOHN R CIULLA BOARD MEMBER 1.00 X 0 0 0 SIMON CRUZ BOARD MEMBER 1.00 X 0 0 0 KENNETH KELLY BOARD MEMBER 1.00 X 0 0 0 JAMES S MAHAN III BOARD MEMBER 1.00 X 0 0 0 JAMES J MCQUADE BOARD MEMBER 1.00 X 0 0 0 LARRY W MYERS BOARD MEMBER 1.00 X 0 0 0 DAVID D NELSON BOARD MEMBER 1.00 X 0 0 0 JENNIFER PIEPSZAK BOARD MEMBER 1.00 X 0 0 0 B MICHAEL RAUH JR BOARD MEMBER 1.00 X 0 0 0 IRA ROBBINS BOARD MEMBER 1.00 X 0 0 0 KEVIN SABIN BOARD MEMBER 1.00 X 0 0 0 K WAYNE WICKER BOARD MEMBER 1.00 X 0 0 0 KARIN PETERSEN FLYNN CHIEF FINANCIAL OFFICER 33.50 4.00 X 648376 0 103398 JAMES G EDRINGTON EXECUTIVE VICE PRESIDENT 37.50 X 671666 0 52188 NAOMI CAMPER CHIEF POLICY OFFICER 37.50 X 827288 0 126166 PETER C COOK CHIEF COMMUNICATION OFFICER 36.50 1.00 X 710403 0 58769 ALETHIA BAGGETT CHIEF HR OFFICER 37.50 X 635287 0 59552 THOMAS PINDER GENERAL COUNSEL & CORP. SECRETARY 37.50 X 510878 0 60972 LAENA F POMEROY SENIOR ADVISOR 37.50 X 379500 0 59254 VIRGINIA O'NEILL EVP, REGULATORY COMPLIANCE 37.50 X 501257 0 36831 JESS SHARP EXECUTIVE VICE PRESIDENT 37.50 X 680726 0 62853 KRISTEN SUTTON EVP, CONGRESSIONAL RELATIONS 37.50 X 433146 0 52047 SAYEE SRINIVASAN CHIEF ECONOMIST 37.50 X 433730 0 62869 GARY SUNDEL CHIEF INFORMATION OFFICER 37.50 X 416165 0 63091 JEFFREY OWEN FORMER KEY EMPLOYEE 0.00 X 232380 0 0 KENNETH CLAYTON FORMER HIGHEST COMPENSATED EMPLOYEE 0.00 X 607541 0 4108 JAMES BALLENTINE FORMER HIGHEST COMPENSATED EMPLOYEE 0.00 X 642307 0 65567 11764253 0 930578 220 1 1 0 REVOLUTION MEDIA GROUP 500 MONTGOMERY ST STE 260 ALEXANDRIA VA 22314 ADVERTISING 1748087 PRODUCTION RESOURCE GROUP LLC 539 TEMPLE HILL RD NEW WINDSOR NY 12553 AUDIO VISUAL 1614120 JONES DAY 51 LOUISIANA AVENUE NW WASHINGTON DC 20001 LEGAL 881280 MORRISON & FOERSTER LLP PO BOX 742335 LOS ANGELES CA 90074 CONSULTING 860000 AMEDIA LLC 4948 ST ELMO AVE SUITE 310 BETHESDA MD 20814 ADVERTISING 745042 48 589673 589673 MEMBERSHIP DUES 813910 47524933 47524933 SCHOOLS & TRAINING 813910 19845093 19840093 5000 CONFERENCES & CONVENTION 813910 13199009 8629444 4569565 PROFESSIONAL CERTIFICATIONS 813910 5198863 5198863 PUBLICATIONS & SUBSRCIPTIONS 813910 703887 665127 38760 6838519 5302743 1488276 47500 93310304 15669474 15669474 41454770 41454770 13288371 13653509 -365138 -365138 -365138 150659083 87161203 1488276 61419931 299982 8400213 54354612 6589917 5044257 3708223 4490138 123572 2432929 484113 9633443 4903262 1722387 7717977 1150858 5524067 3796022 12084360 1722849 542410 TAXES AND FEES 1699135 TRAINING COURSE CONTENT 1148900 CORPORATE MEMBERSHIPS 518529 OVERHEAD ALLOCATION -1305877 848729 137635007 499109862 43692044 15518207 11089729 3599762 3885793 32580660 10205156 6416638 22375504 151257185 626649909 32267338 74589657 708168992 782282636 20993772 19990690 48102025 47908603 65937667 101008451 135033464 168907744 X 569544416 609550360 3591112 3824532 573135528 613374892 708168992 782282636 X 13024076 28953348 -1738060 X 0 1 X 1 0 RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 817297 817297 817297 1 0 0 1 53598224 9949338 -2130110 7819228 12098254 -4279026 PART I-A, LINE 1: THE ORGANIZATION'S POLITICAL CAMPAIGN ACTIVITIES DURING THE TAX YEAR CONSISTED OF INDEPENDENT ADVERTISING CAMPAIGNS IN SUPPORT OF VARIOUS CANDIDATES FOR PUBLIC OFFICE. FOR LOBBY REPORTING WE ADDED AN ADDITIONAL $1,298,560 OF SERVICE MEMBERSHIPS WHICH IS INCLUDED IN PART VIII, LINE 2D "DUES AND FEE ARRANGEMENTS AND $4,774,730 OF NON-DEDUCTIBLE SPECIAL ASSESSMENTS WHICH IS INCLUDED IN PART VIII, LINE 2F "ALL OTHER PROGRAM SERVICE FEE REVENUE" 0 429636638 29406879 459043517 1.00000 0 0 13761587 711842 13049745 15180983 9055253 6125730 3638090 438061 3200029 22375504 RECEIVABLES FROM RELATED ORGANIZATION 3494800 LIFE INSURANCE POLICIES 28001835 SECURITY DEPOSIT 213500 CASH ADVANCES 23135 RIGHT OF USE ASSETS 42856387 74589657 ACCRUED PENSION LIABILITY 28355937 DEFERRED COMPENSATION 6545659 OPERATING LEASE LIABILITY 66106855 101008451 X PART V, LINE 4: THE PURPOSE OF THE REVENUE PRESERVATION FUND IS TO PROVIDE STABLE FUNDING SHOULD FUTURE OPERATING BUDGETS HAVE A SIGNIFICANT DECLINE IN REVENUE STREAMS. PART X, LINE 2: INCOME TAXES: ABA, ABASA, AND BAFT ARE CLASSIFIED FOR TAX PURPOSES AS TAX-EXEMPT BUSINESS LEAGUES UNDER SECTION 501(C)(6) OF THE INTERNAL REVENUE CODE (IRC). ABACEF AND OWEN ARE EXEMPT UNDER SECTION 501(C)(3) OF THE IRC AND ARE CLASSIFIED AS ORGANIZATIONS THAT ARE NOT A PRIVATE FOUNDATION. THEREFORE, NO PROVISION FOR INCOME TAXES HAS BEEN PROVIDED FOR THESE ENTITIES IN THE ACCOMPANYING CONSOLIDATED FINANCIAL STATEMENTS, EXCEPT FOR THAT RESULTING FROM THE ASSOCIATIONS UNRELATED BUSINESS INCOME OR TAX PAID ON EXEMPT FUNCTION EXPENDITURES. TOTAL INCOME TAX EXPENSE WAS APPROXIMATELY $267,841 AND $443,971 FOR THE YEARS ENDED AUGUST 31, 2023 AND 2022, RESPECTIVELY. 0 AMERICAN BANKERS ASSOCIATION COMMUNITY ENGAGEMENT FOUNDATION 1120 CONNECTICUT AVENUE NW WASHINGTON DC 20036 830397856 501(C)3 175000 0 N/A N/A CONTRIBUTIONS FOR DISASTER RELIEF CHILDREN'S HOSPITAL FOUNDATION 111 MICHIGAN AVENUE NW WASHINGTON DC 20010 521640402 501(C)3 25000 0 N/A N/A SPONSORSHIP FOR CHILDREN'S BALL 2023 NATIONAL COMPASSION FUND LLC PO BOX 2770 HYATTSVILLE MD 20784 300022798 501(C)3 10000 0 N/A N/A SUPPORT SURVIVORS OF SHOOTING AT OLD NATIONAL BANK IN LOUISVILLE NATIONAL GOVERNORS ASSOCIATION CENTER FOR BEST PRACTICES 444 NORTH CAPITOL STREET SUITE 267 WASHINGTON DC 20001 237391796 501(C)3 25000 0 N/A N/A 2023-2024 NGA CHAIR'S INITIATIVE NATIONAL HOUSING CONFERENCE 1900 M STREET NW WASHINGTON DC 20036 530208180 501(C)3 20000 0 N/A N/A MEMBERSHIP DUES NCSL FOUNDATION FOR STATE LEGISLATURES 444 N CAPITOL ST NW SUITE 515 WASHINGTON DC 20001 742232576 501(C)3 15000 0 N/A N/A SUPPORT THE OBJECTIVE AND SPECIAL PROJECTS OF NCSL CENTER FOR LAW AND POLICY 1747 PENNSYLVANIA AVENUE NW STE 800 WASHINGDON DC 20006 237000150 501(C)3 15000 0 N/A N/A SUPPORT OPERATIONS 9 0 X X X X 1 1 X X X X X 1 1 0 ROBERT S NICHOLS PRESIDENT AND CEO 1788425 0 1200000 0 445178 0 36600 0 26313 0 3496516 0 0 0 NAOMI CAMPER CHIEF POLICY OFFICER 675487 0 136052 0 15749 0 98774 0 27392 0 953454 0 0 0 PETER C COOK CHIEF COMMUNICATION OFFICER 453101 0 91357 0 165945 0 34642 0 24127 0 769172 0 97800 0 KARIN PETERSEN FLYNN CHIEF FINANCIAL OFFICER 486585 0 148000 0 13791 0 77148 0 26250 0 751774 0 0 0 JESS SHARP EXECUTIVE VICE PRESIDENT 521356 0 105531 0 53839 0 36600 0 26253 0 743579 0 0 0 JAMES G EDRINGTON EXECUTIVE VICE PRESIDENT 507878 0 101521 0 62267 0 36600 0 15588 0 723854 0 0 0 JAMES BALLENTINE FORMER HIGHEST COMPENSATED EMPLOYEE 201532 0 0 0 440775 0 56517 0 9050 0 707874 0 0 0 ALETHIA BAGGETT CHIEF HR OFFICER 407735 0 83200 0 144352 0 33330 0 26222 0 694839 0 75500 0 KENNETH CLAYTON FORMER HIGHEST COMPENSATED EMPLOYEE 15024 0 48448 0 544069 0 3426 0 682 0 611649 0 0 0 THOMAS PINDER GENERAL COUNSEL & CORP. SECRETARY 419997 0 83200 0 7681 0 60403 0 569 0 571850 0 0 0 VIRGINIA O'NEILL EVP, REGULATORY COMPLIANCE 411663 0 81679 0 7915 0 36600 0 231 0 538088 0 0 0 SAYEE SRINIVASAN CHIEF ECONOMIST 372231 0 53525 0 7974 0 36600 0 26269 0 496599 0 0 0 KRISTEN SUTTON EVP, CONGRESSIONAL RELATIONS 373691 0 55283 0 4172 0 36577 0 15470 0 485193 0 0 0 GARY SUNDEL CHIEF INFORMATION OFFICER 337716 0 74630 0 3819 0 35893 0 27198 0 479256 0 0 0 LAENA F POMEROY SENIOR ADVISOR 326775 0 52075 0 650 0 32100 0 27154 0 438754 0 0 0 JEFFREY OWEN FORMER KEY EMPLOYEE 232380 0 0 0 0 0 0 0 0 0 232380 0 0 0 PART I, LINE 1A FIRST-CLASS TRAVEL & TRAVEL FOR COMPANIONS: CERTAIN OFFICERS OF THE ORGANIZATION (FIVE IN TOTAL) ARE ALLOWED TO FLY FIRST CLASS AND MAY BRING A COMPANION AT THEIR DISCRETION. ANY SUCH TRAVEL FOR A NON-EMPLOYEE REIMBURSED BY ABA IS INCLUDED IN TAXABLE INCOME OF EMPLOYEE. TAX INDEMNIFICATION AND GROSS-UP PAYMENTS: CERTAIN MEMBERS OF EXECUTIVE LEADERSHIP INVOLVED IN SERP'S (DESCRIBED IN 4B BELOW) HAVE VESTED BUT UNPAID AMOUNTS INCLUDED IN COMPENSATION. A GROSS UP OF 12.25% OF THE TAXABLE AMOUNT IS PAID TO THE EXECUTIVE. SOCIAL CLUB DUES: SOCIAL CLUB DUES ARE PROVIDED FOR BUSINESS USE ONLY. PART I, LINES 4A-B KENNETH CLAYTON RECEIVED SEVERANCE PAYMENT IN THE AMOUNT OF $119,047. THIS IS INCLUDED IN SCHEDULE J, PART II, COLUMN B(III). DEFINED BENEFIT AND DEFINED CONTRIBUTION PLANS SPONSORED BY THE ASSOCIATION. THE FOLLOWING OFFICERS, KEY EMPLOYEES, AND HIGHEST COMPENSATED EMPLOYEES PARTICIPATED IN A NONQUALIFIED SUPPLEMENTAL EMPLOYEE RETIREMENT PLAN AND/OR A SUPPLEMENTAL LIFE INSURANCE PLAN WITH ACCRUED PRESENT VALUE ESTIMATED BENEFITS FOR THE YEAR: ROBERT S. NICHOLS $323,400 KARIN PETERSEN FLYNN $40,548 NAOMI G. CAMPER $62,174 PETER COOK $29,725 ALETHIA BAGGETT $23,803 JAMES G. EDRINGTON 37,054 THOMAS PINDER $23,803 JAMES BALLENTINE $33,500 FORM 990, PART VI, SECTION A, LINE 6 THE AMERICAN BANKERS ASSOCIATION (ABA) IS A 501(C)(6) NONPROFIT BUSINESS LEAGUE INCORPORATED IN THE DISTRICT OF COLUMBIA. ITS MEMBERSHIP IS COMPOSED OF NATIONAL BANKS, STATE-CHARTERED BANKS, SAVINGS BANKS, SAVINGS AND LOAN ASSOCIATIONS, TRUST COMPANIES, AND OTHER BANKING ENTITIES SITUATED WITHIN THE UNITED STATES AND ITS DEPENDENCIES, THAT HAVE FILED AN APPLICATION FOR FEDERAL DEPOSIT INSURANCE CORPORATION INSURANCE OF ACCOUNTS ("REGULAR MEMBERS"). FORM 990, PART VI, SECTION A, LINE 7A MEMBERS OF THE ABA ANNUALLY ELECT THE ORGANIZATION'S OFFICERS AND BOARD OF DIRECTORS, WHICH ACTS AS THE ASSOCIATION'S GOVERNING BODY. FORM 990, PART VI, SECTION A, LINE 7B IN ADDITION TO THE ANNUAL ELECTIONS, MEMBERS VOTE ON MAJOR CORPORATE ACTIONS SUCH AS A MERGER OR ACQUISITION AND IN THE EVENT OF A POSSIBLE DISSOLUTION. FORM 990, PART VI, SECTION B, LINE 11B ABA'S MANAGEMENT, WHICH INCLUDES CERTIFIED PUBLIC ACCOUNTANTS, CONDUCTED SEVERAL INTERNAL REVIEWS OF THE FORM 990 RETURN PREPARED BY AN OUTSIDE ACCOUNTING FIRM. A COPY OF THE FORM 990 INCLUDING ALL REQUIRED SCHEDULES WAS PROVIDED TO THE AUDIT COMMITTEE OF THE ABA IN ELECTRONIC FORM PRIOR TO ITS FILING WITH THE IRS. PER ABA BOARD ADOPTED POLICY, THE AUDIT COMMITTEE WAS DELEGATED THE RESPONSIBILITY FOR REVIEWING THE TAX RETURN IN ADVANCE OF ITS FILING. THE AUDIT COMMITTEE REPORTS TO THE ASSOCIATION'S GOVERNING BODY AND IS COMPRISED OF BOARD OF DIRECTOR MEMBERS. THE RETURN WILL BE AVAILABLE TO THE FULL BOARD PRIOR TO FILING. FORM 990, PART VI, SECTION B, LINE 12C ABA MONITORS AND ENFORCES ITS CONFLICTS OF INTEREST POLICY BY, AT LEAST ANNUALLY, HAVING EACH OFFICER, MEMBER OF THE BOARD OF DIRECTORS, AND ALL EMPLOYEES ATTEST BY SIGNATURE THAT THEY HAVE READ, UNDERSTAND, AND ARE IN COMPLIANCE WITH THE POLICY. ON AN ANNUAL BASIS, THE BOARD IS PROVIDED A COPY OF THE POLICY, OFFERED AN OPPORTUNITY TO DISCUSS ITS REQUIREMENTS, AND HAVE ANY QUESTIONS ANSWERED. STAFF ATTENDS THE MEETINGS OF THE BOARD IN ORDER TO MONITOR COMPLIANCE WITH THE REQUIREMENTS AND THAT THE MINUTES OF THE MEETINGS FAIRLY REPRESENT THE DISCUSSIONS OF THE BOARD. FORM 990, PART VI, SECTION B, LINE 15 ABA'S COMPENSATION COMMITTEE, COMPRISED OF BOARD OF DIRECTOR MEMBERS, IS RESPONSIBLE FOR REVIEWING THE COMPENSATION OF THE ASSOCIATION'S CEO, ITS OTHER OFFICERS AND ITS KEY EMPLOYEES AND MAKES THE FINAL COMPENSATION RECOMMENDATION TO THE BOARD OF DIRECTORS, WHICH HAS FINAL APPROVAL. THE PROCESS USED BY THE COMPENSATION COMMITTEE IS MADE IN CONJUNCTION WITH AN OUTSIDE INDEPENDENT CONSULTING FIRM THAT CONDUCTED A COMPREHENSIVE COMPENSATION STUDY FOR THE ASSOCIATION. THE METHODOLOGY USED INCLUDED THE FOLLOWING: - UTILIZING SALARY SURVEYS, INCLUDING THOSE FROM MERCER, WATSON WYATT, PRM CONSULTING, QUATT ASSOCIATES AND ASAE, JOBS WERE BENCHMARKED TO COMPARABLE POSITIONS. - THE OUTSIDE COMPENSATION CONSULTING FIRM REVIEWED APPLICABLE MARKET DATA AND THE BENCHMARKED POSITION INFORMATION AND DEVELOPED A MARKET-BASED PAY STRUCTURE. - ADDITIONAL FACTORS CONSIDERED WERE POSITION REQUIREMENTS, ORGANIZATIONAL IMPACT, AND JOB COMPLEXITY. - MINUTES ARE KEPT OF THE COMPENSATION COMMITTEE'S DELIBERATIONS AND DECISIONS REGARDING COMPENSATION ARRANGEMENTS. - THIS PROCESS RECENTLY TOOK PLACE IN 2022. FORM 990, PART VI, SECTION C, LINE 19 ABA DOES NOT MAKE ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, OR ITS FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC. THE ORGANIZATION'S FORM 990 IS AVAILABLE FOR PUBLIC INSPECTION UPON REQUEST. FORM 990, PART XI, LINE 9: PENSION RELATED CHANGES DUE TO CHANGES IN ACTUARIAL ASSUMPTIONS -1,738,060. 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