LUELLA C OLIVER TRUST BANK OF PONTIAC TRUSTEE

EIN: 376244441 501(c)(3)

PONTIAC, IL

Total Revenue
$62,653
Total Expenses
$69,305
Total Assets
$726,729
Net Assets
$668,228
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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
1987
Legal Domicile
IL
Phone
8158446155
Tax Period
2025-01-01 to 2025-12-31

LUELLA C OLIVER TRUST BANK OF PONTIAC TRUSTEE, founded in 1987, is a micro nonprofit that reported $63K in total revenue in fiscal year 2025. Revenue decreased 13% compared to the prior year. Expenses of $69K exceeded revenue, resulting in a 11% operating deficit.

Mission

TO DISTRIBUTE INCOME 1/2 TO CHURCH FOR SUPPORT AND 1/2 TO SEMINARY FOR SCHOLARSHIP

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $0
Investment Income $6,933
Other Revenue $55,720
TOTAL REVENUE $62,653

Expense Breakdown

Grants Paid $60,832
Salaries & Benefits $7,733
Fundraising Expenses $0
Program Expenses $60,832
Other Expenses $740
TOTAL EXPENSES $69,305

Year-over-Year Comparison

2025 2024 Change
Revenue $62,653 $72,375 -0.1%
Expenses $69,305 $31,518 +1.2%
Net Income $-6,652 $40,857 -1.2%
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

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Governance

Voting Members
1
Independent Members
N/A
Employees
N/A
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
0
$0
Total Directors
0
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
BANK OF PONTIAC Trustee 1.00
$8,457 $0 $8,457
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 $62,653 $69,305 $726,729 $-6,652
2024 $72,375 $31,518 $714,222 $40,857
2023 $35,170 $66,675 $653,336 $-31,505
2022 $70,226 $42,363 $667,625 $27,863
2021 $43,192 $48,965 $686,798 $-5,773
2020 $55,265 $48,545 $683,991 $6,720
2019 $47,873 $36,790 $667,923 $11,083
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