MISSOURI INDEPENDENT BANKERS ASSOCIATION (EIN 431035827) - 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

1973

Legal Domicile

Principal Officer

MATTHEW RUGE

Phone

5736362751

Tax Period

2023-01-01 to 2023-12-31

MISSOURI INDEPENDENT BANKERS ASSOCIATION, founded in 1973, is a community nonprofit that reported $1.3M in total revenue in fiscal year 2023. Revenue decreased 8% compared to the prior year.

Mission

THE PROMOTION OF THE GENERAL WELFARE OF INDEPENDENT BANKS AND BANKING INSTITUTIONS THROUGHOUT THE STATE OF MISSOURI.

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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 $398,115

Program Service Revenue $750,532

Investment Income $34,284

Other Revenue $133,922

TOTAL REVENUE $1,316,853

Expense Breakdown

Grants Paid $8,000

Salaries & Benefits $425,502

Fundraising Expenses $0

Other Expenses $852,577

TOTAL EXPENSES $1,286,079

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,316,853	$1,429,524	-0.1%
Expenses	$1,286,079	$1,268,445	+0.0%
Net Income	$30,774	$161,079	-0.8%

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

$202,869

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MATTHEW RUGE	Executive Dir.	40.00	Officer	$175,369	$27,500	$202,869
BRIAN ALDERTON	Director	0.50	Director	$0	$0	$0
DAVID ALDERTON JR	Director	0.50	Director	$0	$0	$0
JAMES ANDERSON	Director	0.50	Director	$0	$0	$0
JOE ARMOUR	Director	0.50	Director	$0	$0	$0
KRISTIN BECKMEYER	Director	0.50	Director	$0	$0	$0
MICHAEL BENDER	Director	0.50	Director	$0	$0	$0
TYLER BENDER	President	0.50	Officer Director	$0	$0	$0
CURT BRUMLEY	SECR./TREAS.	0.50	Officer Director	$0	$0	$0
ADRIAN BREEN	Director	0.50	Director	$0	$0	$0
SCOTT BUERGE	Director	0.50	Director	$0	$0	$0
ED BUSCHER	Director	0.50	Director	$0	$0	$0
BRAD DORAN	Director	0.50	Director	$0	$0	$0
WILLIAM ESRY	Director	0.50	Director	$0	$0	$0
DOUGLAS FISH	Vice President	0.50	Officer Director	$0	$0	$0
CHARLES GNUSE	Director	0.50	Director	$0	$0	$0
GLENN HARRIS	Director	0.50	Director	$0	$0	$0
KEVIN HENEGHAN	Director	0.50	Director	$0	$0	$0
PAUL HILL	Chairman	0.50	Officer Director	$0	$0	$0
HARRY HOLDERIEATH	Director	0.50	Director	$0	$0	$0
CASEY HOPKINS	Director	0.50	Director	$0	$0	$0
JACK HOPKINS	Director	0.50	Director	$0	$0	$0
MARK JENKINS	Director	0.50	Director	$0	$0	$0
TYLER KNOTT	Director	0.50	Director	$0	$0	$0
DUANE KOHLSTAEDT	Director	0.50	Director	$0	$0	$0
JOE KOLLMEYER	Director	0.50	Director	$0	$0	$0
PATRICK KUSSMAN	Director	0.50	Director	$0	$0	$0
MATTHEW LAUMANN	Director	0.50	Director	$0	$0	$0
MARK LAUNE	PRESIDENT-ELECT	0.50	Officer Director	$0	$0	$0
JENNIFER LAWTON	Director	0.50	Director	$0	$0	$0
KIM LIGHT	Director	0.50	Director	$0	$0	$0
MARK LUEBBERT	Director	0.50	Director	$0	$0	$0
DOUG LUETKEMEYER	Director	0.50	Director	$0	$0	$0
WILLIAM MCDANIEL	Director	0.50	Director	$0	$0	$0
DALE MCDONALD	Director	0.50	Director	$0	$0	$0
JOSEPH MCLANE	Director	0.50	Director	$0	$0	$0
DON MEYER	Director	0.50	Director	$0	$0	$0
JEFF MULLETT	Director	0.50	Director	$0	$0	$0
LISA NICHELSON	Director	0.50	Director	$0	$0	$0
ED ORR	Director	0.50	Director	$0	$0	$0
JIM ORR	Director	0.50	Director	$0	$0	$0
SCOTT ORR	Director	0.50	Director	$0	$0	$0
SCOT PERKINS	Director	0.50	Director	$0	$0	$0
BENJAMIN POLEN	Director	0.50	Director	$0	$0	$0
MATT PUCHBAUER	Director	0.50	Director	$0	$0	$0
KIM REIGELSBERGER	Director	0.50	Director	$0	$0	$0
DON REYNOLDS	Director	0.50	Director	$0	$0	$0
RANDY RILEY	Director	0.50	Director	$0	$0	$0
RUDY RILEY	Director	0.50	Director	$0	$0	$0
TRAE RUGE	Director	0.50	Director	$0	$0	$0
JUSTIN ST PIERRE	Director	0.50	Director	$0	$0	$0
RANDY SHANNON	Director	0.50	Director	$0	$0	$0
MATT SINNETT	Director	0.50	Director	$0	$0	$0
JOSEPH STEWART III	Director	0.50	Director	$0	$0	$0
WILLIAM SUMMERS	Director	0.50	Director	$0	$0	$0
BRAD WILLIAMS	Director	0.50	Director	$0	$0	$0
MARK TRANCKINO	Director	0.50	Director	$0	$0	$0
DOUGLAS WATSON	Director	0.50	Director	$0	$0	$0
JEFF WILLIAMS	Director	0.50	Director	$0	$0	$0
KYLE WILLIAMS	Director	0.50	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	$1,316,853	$1,286,079	$1,114,725	$30,774
2022	$1,429,524	$1,268,445	$1,411,671	$161,079
2021	$1,238,995	$1,196,733	$1,281,760	$42,262
2020	$994,039	$909,464	$1,242,117	$84,575
2019	$1,171,429	$1,198,254	$1,159,976	$-26,825
2018	$1,092,675	$1,148,910	$1,204,254	$-56,235

MISSOURI INDEPENDENT BANKERS ASSOCIATION