FANNIE WILSON SMITH TRUST CAPITAL CITY TRUST COMPANY (EIN 596247872) - 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

1983

Legal Domicile

Principal Officer

CAPITAL CITY TRUST COMPANY

Phone

8506710300

Tax Period

2025-01-01 to 2025-12-31

FANNIE WILSON SMITH TRUST CAPITAL CITY TRUST COMPANY, founded in 1983, is a small nonprofit that reported $348K in total revenue in fiscal year 2025. Revenue fell 68% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $114K, a strong 33% operating margin.

Mission

TRUST CREATED TO BENEFIT TRINITY UNITED METHODIST CHURCH. NET INCOME TO BE PAID AT LEAST ANNUALLY TO CHURCH FOR RELIGIOUS OR CHARITABLE PURPOSES.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $347,681

Other Revenue $0

TOTAL REVENUE $347,681

Expense Breakdown

Grants Paid $185,956

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $185,956

Other Expenses $47,883

TOTAL EXPENSES $233,839

Year-over-Year Comparison

	2025	2024	Change
Revenue	$347,681	$1,082,670	-0.7%
Expenses	$233,839	$221,325	+0.1%
Net Income	$113,842	$861,345	-0.9%

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
CAPITAL CITY TRUST COMPANY	TRUSTEE	N/A		$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	$347,681	$233,839	$5,124,958	$113,842
2024	$1,082,670	$221,325	$5,012,270	$861,345
2023	$349,730	$210,360	$4,148,880	$139,370
2022	$241,500	$206,343	$4,009,636	$35,157
2021	$665,103	$192,803	$3,975,501	$472,300
2020	$139,728	$184,190	$3,503,371	$-44,462
2019	$222,166	$178,450	$3,548,063	$43,716
2018	$146,677	$171,435	$3,505,033	$-24,758

FANNIE WILSON SMITH TRUST CAPITAL CITY TRUST COMPANY