BANDERA PUBLIC LIBRARY

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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

2002

Legal Domicile

Principal Officer

AMANDA SIEFKEN

Phone

8307964213

Tax Period

2023-10-01 to 2024-09-30

BANDERA PUBLIC LIBRARY, founded in 2002, is a micro nonprofit in the Education sector that reported $44K in total revenue in fiscal year 2023. Revenue fell 82% from the prior year — a significant decline worth monitoring. Expenses of $241K exceeded revenue, resulting in a 454% operating deficit.

Mission

THE BANDERA COUNTY LIBRARY IS AN EXCITING LEARNING-RESOURCE CENTER FOR THE PEOPLE OF BANDERA COUNTY. THE MISSION OF THE LIBRARY IS TO PROVIDE A SET OF SERVICES AND RESOURCES UPON WHICH THE PEOPLE OF THE COUNTY CAN RELY TO SATISFY THEIR KNOWLEDGE, INFORMATION AND RECREATIONAL NEED.

Program Service Accomplishments

Program 1

Expenses: $219,289 Revenue: $9,590

LIBRARY SERVICES ARE THE ORGANIZATION'S MAIN PROGRAM SERVICE. DURING THE FISCAL YEAR, THE LIBRARY CIRCULATED 26,584 ITEMS, HAD 5,491 REGISTERED LIBRARY CARD HOLDERS AND SERVED APPROXIMATELY 18,405...

LIBRARY SERVICES ARE THE ORGANIZATION'S MAIN PROGRAM SERVICE. DURING THE FISCAL YEAR, THE LIBRARY CIRCULATED 26,584 ITEMS, HAD 5,491 REGISTERED LIBRARY CARD HOLDERS AND SERVED APPROXIMATELY 18,405 INDIVIDUALS. THE BANDERA KRONKOSKY PUBLIC LIBRARY WAS AWARDED THE 2024 ACHIEVEMENT OF EXCELLENCE IN LIBRARIES AWARD BY THE TEXAS MUNICIPAL LIBRARY DIRECTORS ASSOCIATION. THE BANDERA LIBRARY IS ONE OF ONLY 102 WHO EARNED THIS AWARD AND IS NOW IN THE TOP 19% OF ALL PUBLIC LIBRARIES IN THE STATE.

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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 $164,366

Program Service Revenue $9,590

Investment Income $-133,323

Other Revenue $2,905

TOTAL REVENUE $43,538

Expense Breakdown

Grants Paid $0

Salaries & Benefits $114,597

Fundraising Expenses $0

Program Expenses $219,289

Other Expenses $126,514

TOTAL EXPENSES $241,111

Year-over-Year Comparison

	2023	2022	Change
Revenue	$43,538	$243,311	-0.8%
Expenses	$241,111	$243,191	0.0%
Net Income	$-197,573	$120	-1647.4%

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

$50,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JIM HOOD	BOARD MEMBER	4.00	Director	$0	$0	$0
ANNA MONTAGUE	BOARD MEMBER	4.00	Director	$0	$0	$0
CHRIS LOUD	BOARD MEMBER	4.00	Director	$0	$0	$0
YESSINIA TORRES	BOARD MEMBER	4.00	Director	$0	$0	$0
JOSEPH JACKSON	BOARD MEMBER	4.00	Director	$0	$0	$0
KATHY TEICH	BOARD MEMBER	4.00	Director	$0	$0	$0
MANDY SIEFKEN	PRESIDENT	8.00	Officer Director	$0	$0	$0
SARAH RODRIGUEZ	VICE PRESIDENT	8.00	Officer Director	$0	$0	$0
JESSY MCLAIN	SECRETARY	8.00	Officer Director	$0	$0	$0
BRUCE DUNCAN	TREASURER	8.00	Officer Director	$0	$0	$0
PAUL PHELAN	LIBRARY DIRECTOR	40.00	Officer	$50,000	$0	$50,000

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	$43,538	$241,111	$1,945,993	$-197,573
2023	$243,311	$243,191	$1,860,972	$120
2022	$299,956	$208,843	$1,714,948	$91,113
2021	$350,741	$175,504	$1,895,528	$175,237
2020	$168,435	$178,359	$1,637,327	$-9,924
2019	$259,423	$176,757	$1,581,034	$82,666
2018	$574,111	$135,066	$1,485,356	$439,045