LOUISIANA BANKERS ASSOCIATION (EIN 720243878) - 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

1955

Legal Domicile

Principal Officer

GINGER LAURENT

Phone

2253873282

Tax Period

2024-01-01 to 2024-12-31

LOUISIANA BANKERS ASSOCIATION, founded in 1955, is a community nonprofit that reported $3.2M in total revenue in fiscal year 2024. Expenses of $3.1M left a modest 4% surplus.

Mission

BANKING EDUCATION AND MEETINGS

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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 $1,278,296

Program Service Revenue $1,686,999

Investment Income $167,350

Other Revenue $108,114

TOTAL REVENUE $3,240,759

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,584,328

Fundraising Expenses $0

Program Expenses $2,732,461

Other Expenses $1,542,568

TOTAL EXPENSES $3,126,896

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,240,759	$3,406,985	0.0%
Expenses	$3,126,896	$3,107,758	+0.0%
Net Income	$113,863	$299,227	-0.6%

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

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

$346,871

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOSEPH QUINLAN	IMMEDIATE PAST CHAIRMAN	3.00	Officer Director	$0	$0	$0
MICHAEL VIZARD	CHAIRMAN ELECT	3.00	Officer Director	$0	$0	$0
JASON SMITH	TREASURER	3.00	Officer Director	$0	$0	$0
RONALD FALGOUST	BOARD MEMBER	3.00	Director	$0	$0	$0
BRIAN NORTH	CHAIRMAN	3.00	Officer Director	$0	$0	$0
ANTHONY KIP BERTRAND	BOARD MEMBER	3.00	Director	$0	$0	$0
HOWARD DEE SMITH	BOARD MEMBER	3.00	Director	$0	$0	$0
MARK MARIONNEAUX	BOARD MEMBER	3.00	Director	$0	$0	$0
JEFF EHLINGER	BOARD MEMBER	3.00	Director	$0	$0	$0
TODD MCDONALD	BOARD MEMBER	3.00	Director	$0	$0	$0
DARRYL ELLERBEE JR	BOARD MEMBER	3.00	Director	$0	$0	$0
SHIVELY VERRETTE	AT-LARGE MEMBER	3.00	Director	$0	$0	$0
KYLE KENNINGTON	BOARD MEMBER	3.00	Director	$0	$0	$0
SAMUEL WILKINSON	BOARD MEMBER	3.00	Director	$0	$0	$0
GINGER LAURENT	CEO	40.00	Officer	$306,464	$40,407	$346,871
DAVID BONENO	LEGAL COUNSEL	40.00	Highest	$220,575	$28,995	$249,570
JOSEPH GENDRON	DIRECTOR OF GR	40.00	Highest	$220,357	$28,963	$249,320
PHILLIS BOYD	CONTROLLER	40.00	Highest	$144,025	$7,198	$151,223
MARCY MANUEL	EDUCATIONAL COORDINATOR	40.00	Highest	$118,252	$5,892	$124,144

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	No data	No data	No data	No data
2024	$3,240,759	$3,126,896	$7,618,809	$113,863
2023	$3,406,985	$3,107,758	$7,558,150	$299,227
2022	$3,073,706	$2,867,849	$6,903,944	$205,857
2021	$2,797,903	$2,871,905	$6,439,821	$-74,002
2020	$2,622,626	$2,548,359	$6,438,210	$74,267
2019	$3,129,349	$3,260,930	$6,472,109	$-131,581
2018	$2,918,139	$3,124,151	$6,595,660	$-206,012

LOUISIANA BANKERS ASSOCIATION