NEBR INDEPENDENT COMMUNITY BANKERS

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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

S DEXTER SCHRODT

Phone

4024744662

Tax Period

2023-01-01 to 2023-12-31

NEBR INDEPENDENT COMMUNITY BANKERS, founded in 1969, is a small nonprofit that reported $403K in total revenue in fiscal year 2023. Revenue decreased 11% compared to the prior year. Expenses of $371K left a modest 8% surplus.

Mission

TO MAINTAIN STRONG REPRESENTATION FOR NEBRASKA'S INDEPENDENT COMMUNITY BANKS AND THE COMMUNITIES THEY SERVE.

Program Service Accomplishments

Program 1

PROMOTION, EDUCATION, AND SUPPORT OF THE COMMUNITY BANKING BUSINESS MODEL IN THE STATE OF NEBRASKA.

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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 $220,313

Program Service Revenue $179,244

Investment Income $3,666

Other Revenue $0

TOTAL REVENUE $403,223

Expense Breakdown

Grants Paid $300

Salaries & Benefits $134,468

Fundraising Expenses $0

Other Expenses $235,827

TOTAL EXPENSES $370,595

Year-over-Year Comparison

	2023	2022	Change
Revenue	$403,223	$450,990	-0.1%
Expenses	$370,595	$493,007	-0.2%
Net Income	$32,628	$-42,017	-1.8%

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

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

$125,660

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RICK HECKENLIVELY	CHAIR	1.00	Officer Director	$0	$0	$0
KELLY LENNERS	SECRETARY	1.00	Officer Director	$0	$0	$0
ARNOLD LOWELL	TREASURER	1.00	Officer Director	$0	$0	$0
CORBY SCHWEERS	DIRECTOR	1.00	Director	$0	$0	$0
WILLIAM ANDERSON	DIRECTOR	1.00	Director	$0	$0	$0
ROY MILLER	DIRECTOR	1.00	Director	$0	$0	$0
KIRK ENEVOLDSEN	DIRECTOR	1.00	Director	$0	$0	$0
GREGORY HOHL	DIRECTOR	1.00	Director	$0	$0	$0
PATRICK KENNER	DIRECTOR	1.00	Director	$0	$0	$0
ALEX LOWELL	DIRECTOR	1.00	Director	$0	$0	$0
BRIAN MORROW	DIRECTOR	1.00	Director	$0	$0	$0
JOHN MORROW	DIRECTOR	1.00	Director	$0	$0	$0
JAMES NIEMEIER	DIRECTOR	1.00	Director	$0	$0	$0
JON SCHMADERER	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT SELKO	DIRECTOR	1.00	Director	$0	$0	$0
JOSHUA TRESEMER	DIRECTOR	1.00	Director	$0	$0	$0
CHRIS TWIBELL	DIRECTOR	1.00	Director	$0	$0	$0
JOEL WIENS	DIRECTOR	1.00	Director	$0	$0	$0
DAVE OCHSNER	CHAIR ELECT	1.00	Officer Director	$0	$0	$0
S DEXTER SCHRODT	PRESIDENT & CEO	40.00	Officer	$122,000	$3,660	$125,660

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	$403,223	$370,595	$330,572	$32,628
2022	$450,990	$493,007	$278,663	$-42,017
2021	$435,771	$426,608	$319,908	$9,163
2020	$422,036	$391,119	$310,745	$30,917
2019	$429,979	$434,715	$279,828	$-4,736
2018	$369,805	$382,881	$286,707	$-13,076