IOWA INDEPENDENT BANKERS (EIN 420999525) - 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

1972

Legal Domicile

Principal Officer

DAVID C CARIS

Phone

5154531495

Tax Period

2023-01-01 to 2023-12-31

IOWA INDEPENDENT BANKERS, founded in 1972, is a small nonprofit that reported $730K in total revenue in fiscal year 2023.

Mission

PROVIDE FRANCHISE ENHANCEMENT TO MEMBERS THROUGH ADVOCACY, NETWORKING, EDUCATION & GROUP PURCHASING

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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 $0

Program Service Revenue $707,994

Investment Income $21,625

Other Revenue $0

TOTAL REVENUE $729,619

Expense Breakdown

Grants Paid $0

Salaries & Benefits $348,726

Fundraising Expenses $0

Other Expenses $393,536

TOTAL EXPENSES $742,262

Year-over-Year Comparison

	2023	2022	Change
Revenue	$729,619	$741,695	0.0%
Expenses	$742,262	$773,827	0.0%
Net Income	$-12,643	$-32,132	-0.6%

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

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

$213,278

Total Directors

$213,278

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TIM WOLF	PRESIDENT	8.00	Officer Director	$0	$0	$0
CHAD HUDSON	VICE PRESIDENT/PRES. ELECT	8.00	Director	$0	$0	$0
LUKE BRADY	TREASURER	8.00	Director	$0	$0	$0
DAVID C CARIS	CEO/CFO/BOARD SECRETARY	30.00	Officer Director	$205,144	$8,134	$213,278
MARY HOWELL	IMMEDIATE PAST PRESIDENT	8.00	Officer Director	$0	$0	$0
JOHN RUAN IV	DIRECTOR	5.00	Officer Director	$0	$0	$0
DOUG TRUEX	DIRECTOR	5.00	Director	$0	$0	$0
ANNE O'NEIL	DIRECTOR	5.00	Director	$0	$0	$0
JOSH GRAN	DIRECTOR	5.00	Director	$0	$0	$0
RYAN MILLIGAN	DIRECTOR	5.00	Director	$0	$0	$0
FRAN FLECK	DIRECTOR	5.00	Director	$0	$0	$0
STEVE SPOTTS	DIRECTOR	5.00	Director	$0	$0	$0
JEREMY BUNKERS	DIRECTOR	5.00	Director	$0	$0	$0
DAVID STEEN	DIRECTOR	5.00	Director	$0	$0	$0
BOB KLOCKE	DIRECTOR	5.00	Director	$0	$0	$0
STEVE NEIGHBOR	DIRECTOR	5.00	Director	$0	$0	$0
HEIDI BROWN	DIRECTOR	5.00	Director	$0	$0	$0
GRANT DEAN	DIRECTOR	5.00	Director	$0	$0	$0
MANDY FIELDER	DIRECTOR	5.00	Director	$0	$0	$0
DANA UHLENHOPP	DIRECTOR	5.00	Director	$0	$0	$0
ALAN WEISS	DIRECTOR	5.00	Director	$0	$0	$0
DAVID EASTBURN	EX OFFICIO	5.00	Director	$0	$0	$0
KRIS AUSBORN	EX OFFICIO	5.00	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
2025	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$729,619	$742,262	$1,203,947	$-12,643
2022	$741,695	$773,827	$1,147,744	$-32,132
2021	$761,605	$737,042	$1,000,484	$24,563
2020	$589,096	$589,605	$945,851	$-509
2019	$707,647	$811,157	$920,899	$-103,510
2018	$753,761	$791,126	$991,703	$-37,365

IOWA INDEPENDENT BANKERS