PREMIER CAPITAL CORPORATION (EIN 351384838) - 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

1976

Legal Domicile

Principal Officer

DAVID W AMICK

Phone

3176133504

Tax Period

2024-10-01 to 2025-09-30

PREMIER CAPITAL CORPORATION, founded in 1976, is a community nonprofit that reported $1.7M in total revenue in fiscal year 2024. Expenses of $1.5M left a modest 8% surplus.

Mission

ORIGINATING, CLOSING AND SERVICING SBA LOANS.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,562,515

Investment Income $89,241

Other Revenue $1,784

TOTAL REVENUE $1,653,540

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,212,108

Fundraising Expenses $0

Program Expenses $1,370,594

Other Expenses $303,232

TOTAL EXPENSES $1,515,340

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,653,540	$1,620,757	+0.0%
Expenses	$1,515,340	$1,525,720	0.0%
Net Income	$138,200	$95,037	+0.5%

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

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

$212,921

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID W AMICK	EXECUTIVE DIRECTOR/ASST. S	40.00	Officer	$189,893	$23,028	$212,921
CLINTON SOMMER	LOAN OFFICER	40.00	Highest	$120,496	$30,490	$150,986
MARK E BRUIN	DIRECTOR	1.00	Director	$0	$0	$0
BRIAN P CARROLL	DIRECTOR	1.00	Director	$0	$0	$0
C RUSSELL COX	DIRECTOR	1.00	Director	$0	$0	$0
ROGER ENGELAU	DIRECTOR	1.00	Director	$0	$0	$0
STEPHEN P FOUNTAIN	DIRECTOR	1.00	Director	$0	$0	$0
HAROLD GUTZWILLER	DIRECTOR	1.00	Director	$0	$0	$0
JOHN HALE III	DIRECTOR	1.00	Director	$0	$0	$0
NATALIE HOPKINS	DIRECTOR	1.00	Director	$0	$0	$0
JEFFREY W KIMBELL	DIRECTOR	1.00	Director	$0	$0	$0
JEFF MAGGINNIS	DIRECTOR	1.00	Director	$0	$0	$0
STEVEN R MCGLOTHLIN	DIRECTOR	1.00	Director	$0	$0	$0
JESSE L MOORE	DIRECTOR	1.00	Director	$0	$0	$0
TIMOTHY W OLIVER	DIRECTOR	1.00	Director	$0	$0	$0
JERRY P OREM	DIRECTOR	1.00	Director	$0	$0	$0
KEVIN S SMITH	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT W THIEMS	DIRECTOR	1.00	Director	$0	$0	$0
JOHN C UPSHAW	DIRECTOR	1.00	Director	$0	$0	$0
JOHN WHITEMAN	DIRECTOR	1.00	Director	$0	$0	$0
CHAD WALKER	CHAIRMAN	5.00	Officer Director	$0	$0	$0
GREGORY A KUHN	VICE CHAIRMAN	5.00	Officer Director	$0	$0	$0
KATRINA J MCWILLIAMS	SECRETARY	1.00	Officer Director	$0	$0	$0
DOUG BRUNE	TREASURER	1.00	Officer 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
2025	$1,653,540	$1,515,340	$3,472,535	$138,200
2024	$1,620,757	$1,525,720	$3,427,255	$95,037
2023	$1,533,803	$1,550,662	$3,473,127	$-16,859
2022	$1,528,792	$1,482,153	$2,695,127	$46,639
2021	$1,345,472	$1,222,438	$2,707,257	$123,034
2020	$1,585,838	$1,264,535	$2,414,778	$321,303
2019	$1,503,511	$1,234,989	$2,065,478	$268,522
2018	$1,189,977	$1,175,149	$1,772,182	$14,828

PREMIER CAPITAL CORPORATION