AMERICAN RIVER BANK FOUNDATION (EIN 201791048) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2004

Legal Domicile

Principal Officer

Mitchell Derenzo

Phone

9167646115

Tax Period

2021-01-01 to 2021-12-31

AMERICAN RIVER BANK FOUNDATION, founded in 2004, is a small nonprofit that reported $115K in total revenue in fiscal year 2021. Revenue fell 23% from the prior year — a significant decline worth monitoring. Expenses of $186K exceeded revenue, resulting in a 61% operating deficit.

Mission

The American River Bank Foundation is committed to supporting organizations that create opportunity enhance self-esteem and provide physical and emotional well-being for the most vulnerable women and children as well as increase awareness about cultural and community among women and children.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2021)

Revenue Breakdown

Contributions & Grants $109,220

Program Service Revenue $0

Investment Income $6,217

Other Revenue $0

TOTAL REVENUE $115,437

Expense Breakdown

Grants Paid $185,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $185,000

Other Expenses $506

TOTAL EXPENSES $185,506

Year-over-Year Comparison

	2021	2020	Change
Revenue	$115,437	$150,177	-0.2%
Expenses	$185,506	$125,322	+0.5%
Net Income	$-70,069	$24,855	-3.8%

Key Indicators

✓ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

N/A

Volunteers

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Charles D Fite	Chairman Director	0.50	Director	$0	$0	$0
William A Robotham	Vice Chairman Director	0.50	Director	$0	$0	$0
David E Ritchie	President Director	0.75	Officer Director	$0	$0	$0
Mitchell A Derenzo	Treasurer Secretary Director	1.00	Officer Director	$0	$0	$0
Philip Wright	Director	0.50	Director	$0	$0	$0
Jeffery Owensby	Director	0.50	Director	$0	$0	$0
Kristie Kotaska	Director	0.50	Director	$0	$0	$0
Robin Miotke	Director	0.50	Director	$0	$0	$0
N/A	Director	0.50	Director	$0	$0	$0
Linda Vogel	Director	0.50	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2021	$115,437	$185,506	$745,615	$-70,069
2020	$150,177	$125,322	$755,684	$24,855

AMERICAN RIVER BANK FOUNDATION