SOUTH CAROLINA BANKERS ASSOCIATION

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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

1902

Legal Domicile

Principal Officer

RICHARDS H GREEN

Phone

8037790850

Tax Period

2024-07-01 to 2025-06-30

SOUTH CAROLINA BANKERS ASSOCIATION, founded in 1902, is a community nonprofit that reported $3.4M in total revenue in fiscal year 2024. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $3.0M left a modest 11% surplus.

Mission

THE PURPOSE OF THE SC BANKERS ASSOCIATION SHALL BE: TO EFFECTIVELY REPRESENT THE COMMON INTEREST AND WELFARE OF THE BANKING INDUSTRY IN SOUTH CAROLINA; TO PROMOTE THE PROFESSIONAL DEVELOPMENT OF ITS MEMBERS AND THEIR EMPLOYEES; TO SERVE AS A RELIABLE AND RESPONSIBLE SOURCE OF INFORMATION AND EDUCATION ABOUT AREAS OF IMPORTANCE TO THE BANKING INDUSTRY; TO BE THE KEY ADVOCATE IN HELPING ITS MEMBER INSTITUTIONS IN LEGISLATIVE, EDUCATIONAL, AND VALUE ADDED SERVICES; AND TO FACILITATE STATEWIDE ACQUAINTANCE AND FELLOWSHIP AMONG ITS MEMBERS.

Program Service Accomplishments

Program 1

ASSOCIATION EXPENSES (INCLUDING DEPRECIATION AND TAXES)

Program 2

LEGISLATIVE

Program 3

COMMUNITY PROJECTS

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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 $2,950,041

Investment Income $185,066

Other Revenue $242,160

TOTAL REVENUE $3,377,267

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,813,382

Fundraising Expenses $0

Other Expenses $1,206,257

TOTAL EXPENSES $3,019,639

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,377,267	$3,012,911	+0.1%
Expenses	$3,019,639	$2,796,555	+0.1%
Net Income	$357,628	$216,356	+0.7%

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

$962,753

Total Directors

$709,063

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICKEY M RENNER	COASTAL GROUP DIRECTOR	0.30	Director	$0	$0	$0
J REEVES SKEEN	COASTAL GROUP DIRECTOR	0.30	Director	$0	$0	$0
MICHAEL M SARVIS	UPSTATE GROUP DIRECTOR	0.30	Director	$0	$0	$0
COLEMAN KIRVEN	UPSTATE GROUP DIRECTOR	0.30	Director	$0	$0	$0
BENITA E LEFFT	MIDLAND GROUP DIRECTOR	0.30	Director	$0	$0	$0
MICHAEL E EDENS	MIDLAND GROUP DIRECTOR	0.30	Director	$0	$0	$0
R SCOTT PLYLER	COMMUNITY BANKERS DIVISION,CHAIRMAN	0.30	Director	$0	$0	$0
ROBERT P HUCKS II	BANKERS SCHOOL, CHAIRMAN	0.30	Director	$0	$0	$0
OTHNIEL W LAFFITTE	YOUNG BANKERS DIVISION CHA	0.30	Director	$0	$0	$0
R ALEX BRAME	MEMBER-AT-LARGE	0.30	Director	$0	$0	$0
LAURENCE S BOLCHOZ JR	MEMBER-AT-LARGE	0.30	Director	$0	$0	$0
WILLIAM O BUVCK JR	MEMBER-AT-LARGE	0.30	Director	$0	$0	$0
KEVIN M SHORT	MEMBER-AT-LARGE (UNTIL 6/1/2025)	0.30	Director	$0	$0	$0
STACY B BRANDON	MEMBER-AT-LARGE	0.30	Director	$0	$0	$0
MARY D GARCIA	MEMBER-AT-LARGE	0.30	Director	$0	$0	$0
JENNIFER T JONES	CHAIRMAN	0.30	Officer Director	$0	$0	$0
H RICHARD STURM	CHAIRMAN-ELECT	0.30	Officer Director	$0	$0	$0
SAMUEL R SMALL JR	FIRST VICE-CHAIR	0.30	Officer Director	$0	$0	$0
J TED NISSEN	TREASURER	0.30	Officer Director	$0	$0	$0
BOYD B JONES	IMMEDIATE PAST CHAIRMAN	0.30	Officer Director	$0	$0	$0
FLEETWOOD S HASSELL	2ND IMMEDIATE PAST CHAIRMA	0.30	Officer Director	$0	$0	$0
FRED L GREEN III	SCBA PRESIDENT & CEO	45.00	Officer Director	$615,675	$93,388	$709,063
RICHARDS H GREEN	CHIEF OPERATING OFFICER	45.00	Officer	$206,979	$46,711	$253,690
ADRIAN RASHLEY JR	SR. VP & COUSEL, LEGISLATI	40.00	Highest	$144,827	$40,226	$185,053

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	$3,377,267	$3,019,639	$7,778,665	$357,628
2024	$3,012,911	$2,796,555	$7,049,848	$216,356
2023	$2,882,243	$2,723,856	$5,970,771	$158,387
2022	$2,663,738	$2,436,141	$5,640,227	$227,597
2021	$2,055,394	$1,961,610	$5,856,899	$93,784
2020	$2,216,914	$2,050,898	$5,133,896	$166,016
2019	$2,586,978	$2,266,806	$4,985,776	$320,172