BIRMINGHAM ASSOCIATION OF REALTORS INC (EIN 630022510) - 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

1914

Legal Domicile

Principal Officer

KATHERINE SMITH

Phone

2058711911

Tax Period

2023-01-01 to 2023-12-31

BIRMINGHAM ASSOC OF REALTORS INC D/B/A BIRMINGHAM ASSOCIATION OF REALTORS, founded in 1914, is a community nonprofit in the Community Improvement sector that reported $1.0M in total revenue in fiscal year 2018. Expenses of $915K left a modest 10% surplus.

Mission

TO PROMOTE THE VALUE OF USING A REALTOR AND TO ENHANCE OUR MEMBERS' OPPORTUNITIES TO SERVE CUSTOMERS IN A PROFESSIONAL, ETHICAL AND PROFITABLE MANNER WITHIN AN ENVIRONMENT THAT FOSTERS COOPERATION AMONG THE MEMBERSHIP.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,117,735

Investment Income $21,802

Other Revenue $149,079

TOTAL REVENUE $1,288,616

Expense Breakdown

Grants Paid $9,517

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $1,091,279

TOTAL EXPENSES $1,100,796

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,288,616	$1,078,534	+0.2%
Expenses	$1,100,796	$1,037,294	+0.1%
Net Income	$187,820	$41,240	+3.6%

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

$205,385

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KEITH KELLEY	PRESIDENT	1.00	Officer Director	$0	$0	$0
ANNA-MARIE ELLISON	PAST PRESIDENT	1.00	Officer Director	$0	$0	$0
CHRIS WOOD	PRESIDENT-ELECT	1.00	Officer Director	$0	$0	$0
KEVIN SARGENT	SECRETARY	1.00	Officer Director	$0	$0	$0
DAVID LUCAS	EX-OFFICIO	0.50	Director	$0	$0	$0
HAL TILMAN	EX-OFFICIO	0.50	Director	$0	$0	$0
PATRICK WARREN	TREASURER	1.00	Officer Director	$0	$0	$0
JOHN DAVID TERPO	DIRECTOR	0.50	Director	$0	$0	$0
ROSALYN JOHNSON	DIRECTOR	0.50	Director	$0	$0	$0
PHYLLIS CONNELL	DIRECTOR	0.50	Director	$0	$0	$0
ANN MARCH	DIRECTOR	0.50	Director	$0	$0	$0
KIMBERLY BENEFIELD	DIRECTOR	0.50	Director	$0	$0	$0
SHANNON WILKS	DIRECTOR	0.50	Director	$0	$0	$0
TONYA SMITHERMAN	DIRECTOR	0.50	Director	$0	$0	$0
JANET HAMM	DIRECTOR	0.50	Director	$0	$0	$0
BRANDON SMITH	DIRECTOR	0.50	Director	$0	$0	$0
RICHARD MCLEMORE	DIRECTOR	0.50	Director	$0	$0	$0
ROXANNE HALE	DIRECTOR	0.50	Director	$0	$0	$0
DIANE KNIGHT	DIRECTOR	0.50	Director	$0	$0	$0
SLOANE RHODEN	DIRECTOR	0.50	Director	$0	$0	$0
PAUL J HOLLEY	MLS PRESIDENT	0.00	Officer	$0	$0	$0
AMANDA CREEL	CHIEF EXECUTIVE OFFICER	12.00	Officer	$0	$35,385	$205,385

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	$1,288,616	$1,100,796	$7,820,344	$187,820
2022	$1,078,534	$1,037,294	$7,034,655	$41,240
2021	$1,379,137	$911,434	$6,607,377	$467,703
2020	$992,603	$772,777	$5,377,287	$219,826
2019	$1,029,106	$1,012,344	$4,699,710	$16,762
2018	$1,011,950	$914,593	$4,186,228	$97,357

BIRMINGHAM ASSOCIATION OF REALTORS INC