SOUTHERN BANCORP CAPITAL PARTNERS (EIN 581766093) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1987

Legal Domicile

Principal Officer

KENYA DAVENPORT

Phone

8702461026

Tax Period

2024-01-01 to 2024-12-31

SOUTHERN BANCORP CAPITAL PARTNERS, founded in 1987, is a community nonprofit that reported $2.3M in total revenue in fiscal year 2018. Revenue fell 31% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $396K, a strong 17% operating margin.

Mission

CREATING ECONOMIC OPPORTUNITIES IN DISTRESSED RURAL COMMUNITIES.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $3,007,343

Program Service Revenue $1,185,170

Investment Income $229,197

Other Revenue $-14,297

TOTAL REVENUE $4,407,413

Expense Breakdown

Grants Paid $332,146

Salaries & Benefits $859,627

Fundraising Expenses $60,545

Program Expenses $2,740,465

Other Expenses $2,517,845

TOTAL EXPENSES $3,709,618

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,407,413	$7,082,881	-0.4%
Expenses	$3,709,618	$3,629,480	+0.0%
Net Income	$697,795	$3,453,401	-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

$4,000

Total Directors

$14,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DONNA GAMBRELL	CHAIR	1.00	Officer Director	$2,000	$0	$2,000
CLARK TENNYSON	DIRECTOR	1.00	Director	$2,000	$0	$2,000
RAYMOND CHRISTMAN	DIRECTOR	1.00	Director	$2,000	$0	$2,000
DARRYL SWINTON	DIRECTOR	1.00	Director	$2,000	$0	$2,000
TOM PITTMAN	DIRECTOR	1.00	Director	$2,000	$0	$2,000
AURELIA JONES-TAYLOR	DIRECTOR	1.00	Director	$2,000	$0	$2,000
DARRIN WILLIAMS	DIRECTOR	10.00	Director	$0	$0	$0
HENRY TORRES	DIRECTOR	1.00	Director	$0	$0	$0
AMANDA JOHNSON	VICE CHAIR	1.00	Officer Director	$2,000	$0	$2,000
KENYA DAVENPORT	PRESIDENT - INCOMING	40.00	Officer	$0	$0	$0
RALPH BROWN	HIGHLY COMPENSATED EMPLOYE	40.00	Highest	$168,739	$18,352	$187,091

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	$4,407,413	$3,709,618	$48,993,651	$697,795
2023	$7,082,881	$3,629,480	$43,927,370	$3,453,401
2022	$3,481,550	$2,768,624	$41,114,876	$712,926
2022	$3,481,550	$2,768,624	$41,114,876	$712,926
2021	$5,768,207	$4,183,945	$42,438,691	$1,584,262
2020	$7,824,062	$4,838,851	$39,014,629	$2,985,211
2019	$2,926,213	$2,088,038	$32,916,836	$838,175
2018	$2,286,274	$1,890,743	$32,558,833	$395,531

SOUTHERN BANCORP CAPITAL PARTNERS