COMMUNITY BANKERS ASSOCIATION OF OHIO (EIN 310898724) - 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

1975

Legal Domicile

Principal Officer

AZA H BITTINGER JR

Phone

6148468124

Tax Period

2023-01-01 to 2023-12-31

COMMUNITY BANKERS ASSOCIATION OF OHIO, founded in 1975, is a community nonprofit that reported $1.3M in total revenue in fiscal year 2023.

Mission

PRESENT THE PRINCIPLES OF INDEPENDENT BANKING TO LEGISLATURE, THE PRESS, AND GENERAL PUBLIC.

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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 $381,367

Program Service Revenue $850,174

Investment Income $16,479

Other Revenue $35,317

TOTAL REVENUE $1,283,337

Expense Breakdown

Grants Paid $0

Salaries & Benefits $509,016

Fundraising Expenses $0

Other Expenses $856,615

TOTAL EXPENSES $1,365,631

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,283,337	$1,256,872	+0.0%
Expenses	$1,365,631	$1,282,674	+0.1%
Net Income	$-82,294	$-25,802	+2.2%

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

$204,002

Total Directors

$204,002

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AZA BITTINGER JR	PRESIDENT/ CEO/ SECRETARY	40.00	Officer Director	$180,019	$23,983	$204,002
TRACEY CRAIG	PAST CHAIRMAN	1.00	Director	$0	$0	$0
ALICIA FREEMAN	CHAIRMAN	1.00	Officer Director	$0	$0	$0
LEO MILLER	1ST VICE CHAIRMAN	1.00	Officer Director	$0	$0	$0
SCOTT MCCOMB	PAST CHAIRMAN	1.00	Director	$0	$0	$0
DONN SCHAFER	2ND VICE CHAIRMAN	1.00	Officer Director	$0	$0	$0
KENT JAMES	DIRECTOR	1.00	Director	$0	$0	$0
SHON MYERS	DIRECTOR	1.00	Director	$0	$0	$0
BEN BABCANEC	DIRECTOR	1.00	Director	$0	$0	$0
ERIC FAULKNER	DIRECTOR	1.00	Director	$0	$0	$0
DAN BROERING	DIRECTOR	1.00	Director	$0	$0	$0
DIANE HOOPS	DIRECTOR	1.00	Director	$0	$0	$0
SUSAN SHIELDS	PAST CHAIRMAN	1.00	Director	$0	$0	$0
CHAD HOFFMAN	TREASURER	1.00	Officer Director	$0	$0	$0
CHARLIE CECIL	PAST CHAIRMAN	1.00	Director	$0	$0	$0
ERIC HOLSKY	DIRECTOR	1.00	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
2024	No data	No data	No data	No data
2023	$1,283,337	$1,365,631	$1,800,091	$-82,294
2022	$1,256,872	$1,282,674	$1,717,113	$-25,802
2021	$1,357,120	$1,247,189	$1,687,441	$109,931
2020	$959,182	$1,079,591	$1,529,599	$-120,409
2019	$1,118,796	$1,223,285	$1,642,842	$-104,489
2018	$1,084,349	$1,189,694	$1,577,227	$-105,345
2018	$1,148,495	$1,253,840	$1,577,227	$-105,345

COMMUNITY BANKERS ASSOCIATION OF OHIO