South Florida Banking Institute In… - Form 990 Financial Data

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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

1998

Legal Domicile

Principal Officer

David Pruna

Phone

3055695247

Tax Period

2024-07-01 to 2025-06-30

South Florida Banking Institute Inc c/o PAAST, founded in 1998, is a small nonprofit in the Community Improvement sector that reported $128K in total revenue in fiscal year 2024. Revenue grew 13% year-over-year, indicating healthy expansion. Expenses of $115K left a modest 10% surplus.

Mission

Provide comprehensive educational programs to the local Banking community covering lending, information technology and banking regulatory compliance and management.

Program Service Accomplishments

Program 1

Expenses: $77,189 Revenue: $101,395

Provided comprehensive educational programs to the local Banking community covering lending, information technology and banking regulatory compliance and management.

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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 $26,780

Program Service Revenue $101,395

Investment Income $0

Other Revenue $0

TOTAL REVENUE $128,175

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $77,189

Other Expenses $115,374

TOTAL EXPENSES $115,374

Year-over-Year Comparison

	2024	2023	Change
Revenue	$128,175	$113,635	+0.1%
Expenses	$115,374	$122,273	-0.1%
Net Income	$12,801	$-8,638	-2.5%

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	Role	Reportable Comp	Other Comp	Total
Juan Avila	Director	Director	$0	$0	$0
Guillermo Benites	Director	Director	$0	$0	$0
Gabriel Caballero	Director	Director	$0	$0	$0
Domingo Callejas	Director	Director	$0	$0	$0
Claudia A Cancio	Director	Director	$0	$0	$0
Guillermo Chiang	Director	Director	$0	$0	$0
Yvonne Debesa	Director	Director	$0	$0	$0
Didier Fabelo	Director	Director	$0	$0	$0
Patricia M Hernandez	Director	Director	$0	$0	$0
Ivan A Garces	Director	Director	$0	$0	$0
Asnardo Garro	Director	Director	$0	$0	$0
Dianelys Gonzalez	Director	Director	$0	$0	$0
Vanessa Lugo	Director	Director	$0	$0	$0
Jose Maria Lacasa	Director	Director	$0	$0	$0
Pablo Estepe Jr	Director	Director	$0	$0	$0
Douglas B Sawyer	Director	Director	$0	$0	$0
Alex Rodriguez	Director	Director	$0	$0	$0
S Marshall Martin	Director	Director	$0	$0	$0
Daniel Martinez	Director	Director	$0	$0	$0
Maria Elena Riera	Director	Director	$0	$0	$0
Kenneth Schoeni	Director	Director	$0	$0	$0
David Pruna	President	Officer	$0	$0	$0
Rodolfo Lleonart	President-Elect	Officer	$0	$0	$0
Alexander Sueiro	Vice President - Treasurer	Officer	$0	$0	$0
Yesenia Moreno	Vice President - Education	Officer	$0	$0	$0
Jessica Goldberg	Vice President - Secretary	Officer	$0	$0	$0
Shaun Zak Moraga	Vice President - Information Technology	Officer	$0	$0	$0
Lourdes Mendes	Vice President - Marketing	Officer	$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	$128,175	$115,374	$46,591	$12,801
2024	$113,635	$122,273	$33,791	$-8,638
2023	$104,715	$94,355	$42,429	$10,360
2022	$59,205	$66,590	$32,069	$-7,385
2021	$17,721	$18,487	$39,454	$-766
2020	$67,926	$60,490	$40,220	$7,436
2019	$88,415	$91,625	$32,783	$-3,210
2018	$76,965	$80,258	$35,993	$-3,293

South Florida Banking Institute Inc c/o PAAST