COMMUNITY BANKERS ASSOCIATION OF GEORGIA (EIN 237044028) - 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

1969

Legal Domicile

Principal Officer

JOHN MCNAIR

Phone

7705414490

Tax Period

2023-01-01 to 2023-12-31

COMMUNITY BANKERS ASSOCIATION OF GEORGIA, founded in 1969, is a community nonprofit that reported $2.3M in total revenue in fiscal year 2023. Expenses of $2.2M left a modest 4% surplus.

Mission

TO PROMOTE THE PRESERVATION & CONTINUED DEVELOPMENT OF COMMUNITY BANKING

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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 (2023)

Revenue Breakdown

Contributions & Grants $658,295

Program Service Revenue $1,594,138

Investment Income $88,117

Other Revenue $0

TOTAL REVENUE $2,340,550

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,170,062

Fundraising Expenses $0

Other Expenses $1,072,288

TOTAL EXPENSES $2,242,350

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,340,550	$2,243,870	+0.0%
Expenses	$2,242,350	$2,117,554	+0.1%
Net Income	$98,200	$126,316	-0.2%

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

Volunteers

N/A

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

$482,655

Total Directors

$308,004

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NEIL STEVENS	CHAIRMAN	0.00	Officer Director	$0	$0	$0
FRANK GRIFFIN	CHAIRMAN-ELECT/CHAIRMAN	0.00	Officer Director	$0	$0	$0
MIKE SALE	VICE-CHAIRMAN	0.00	Officer Director	$0	$0	$0
KELLY STONE	TREASURER	0.00	Officer Director	$0	$0	$0
RICHY EVERLY	IMMED. PAST CHAIR.	0.00	Officer Director	$0	$0	$0
SCOTT CURRY	AT LARGE	0.00	Director	$0	$0	$0
SHANNON HENRY	AT LARGE	0.00	Director	$0	$0	$0
BILL WALKER	AT LARGE	0.00	Director	$0	$0	$0
MONTY WATSON	AT LARGE	0.00	Director	$0	$0	$0
DEREK WILLIAMS	AT LARGE	0.00	Director	$0	$0	$0
RON QUINN	AT LARGE	0.00	Director	$0	$0	$0
JANE LAWSON	AT LARGE	0.00	Director	$0	$0	$0
HAROLD REYNOLDS	AT LARGE	0.00	Director	$0	$0	$0
DOUG WILLIAMS	AT LARGE	0.00	Director	$0	$0	$0
CHARLIE CRAWFORD	AT LARGE	0.00	Director	$0	$0	$0
STEPHEN LEWIS	AT LARGE	0.00	Director	$0	$0	$0
ZACHARY FRYE	AT LARGE	0.00	Director	$0	$0	$0
JOLENE CARROLL	AT LARGE	0.00	Director	$0	$0	$0
BRAN THOMPSON	AT LARGE	0.00	Director	$0	$0	$0
RAY MUGGRIDGE	AT LARGE	0.00	Director	$0	$0	$0
ELI TINSLEY	AT LARGE	0.00	Director	$0	$0	$0
HEATH FOUNTAIN	AT LARGE	0.00	Director	$0	$0	$0
BRIAN BAZEMORE	AT LARGE	0.00	Director	$0	$0	$0
JOHN MCNAIR	PRESIDENT & CEO	40.00	Officer Director	$261,554	$46,450	$308,004
NANCY JERNIGAN	AT LARGE	0.00	Director	$0	$0	$0
LORI GODFREY	CHIEF OF STAFF	40.00	Officer	$158,089	$16,562	$174,651
LINDSAY GREENE	SVP, MEMBER SERVICES	40.00	Highest	$100,336	$20,247	$120,583

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
2024	No data	No data	No data	No data
2023	$2,340,550	$2,242,350	$4,242,153	$98,200
2022	$2,243,870	$2,117,554	$4,141,536	$126,316
2021	$2,257,495	$1,994,674	$3,566,732	$262,821
2020	$2,529,641	$1,928,069	$3,560,803	$601,572
2019	$2,363,700	$1,908,041	$2,962,562	$455,659
2018	$1,944,618	$1,902,574	$2,445,480	$42,044

COMMUNITY BANKERS ASSOCIATION OF GEORGIA