Dorothy M Hess Memorial Trust co Iowa State Bank Co-Trustee (EIN 426575558) - 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

1999

Legal Domicile

Phone

5152782442

Tax Period

2024-01-01 to 2024-12-31

Dorothy M Hess Memorial Trust co Iowa State Bank Co-Trustee, founded in 1999, is a micro nonprofit in the Recreation & Sports sector that reported $44K in total revenue in fiscal year 2024. Revenue grew 20% year-over-year, indicating healthy expansion. The organization ran a surplus of $12K, a strong 27% operating margin.

Mission

See Part III, line 4a.

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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 $0

Investment Income $43,770

Other Revenue $0

TOTAL REVENUE $43,770

Expense Breakdown

Grants Paid $18,179

Salaries & Benefits $10,705

Fundraising Expenses $0

Program Expenses $18,179

Other Expenses $3,017

TOTAL EXPENSES $31,901

Year-over-Year Comparison

	2024	2023	Change
Revenue	$43,770	$36,476	+0.2%
Expenses	$31,901	$28,333	+0.1%
Net Income	$11,869	$8,143	+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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Iowa State Bank	Trustee	1.00		$8,980	$0	$8,980
Home State Bank	Trustee	1.00		$1,725	$0	$1,725
John A Gerken	Trustee	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
2025	No data	No data	No data	No data
2024	$43,770	$31,901	$1,097,409	$11,869
2023	$36,476	$28,333	$1,083,682	$8,143
2022	$117,519	$39,764	$1,075,007	$77,755
2021	$81,875	$19,982	$997,252	$61,893
2020	$89,574	$7,798	$935,359	$81,776
2019	$37,076	$16,349	$853,583	$20,727
2018	$67,276	$18,582	$832,856	$48,694

Dorothy M Hess Memorial Trust co Iowa State Bank Co-Trustee