THE FIRST NATIONAL BANK & TRUST COMPANY OF MIAMI EMPLOYEES' BENEFICIARY ASS OC TRUST (EIN 731427154) - 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

1992

Legal Domicile

Phone

9185421280

Tax Period

2023-01-01 to 2023-12-31

THE FIRST NATIONAL BANK & TRUST COMPANY OF MIAMI EMPLOYEES' BENEFICIARY ASS OC TRUST, founded in 1992, is a small nonprofit that reported $619K in total revenue in fiscal year 2023. Revenue surged 34% from the prior year, signaling strong growth momentum. The organization ran a surplus of $101K, a strong 16% operating margin.

Mission

TO PROVIDE HEALTH, DENTAL, LIFE AND ACCIDENTAL DEATH AND DISABILITY BENEFITS TO MEMBERS AND THEIR DEPENDENTS.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $619,275

Investment Income $0

Other Revenue $0

TOTAL REVENUE $619,275

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $145,461

TOTAL EXPENSES $518,422

Year-over-Year Comparison

	2023	2022	Change
Revenue	$619,275	$460,673	+0.3%
Expenses	$518,422	$490,433	+0.1%
Net Income	$100,853	$-29,760	-4.4%

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

N/A

Employees

N/A

Volunteers

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
N/A	TRUSTEE	0.0	Director	$0	$0	$0
N/A	TRUSTEE	0.0	Director	$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
2024	No data	No data	No data	No data
2023	$619,275	$518,422	$64,063	$100,853
2022	$460,673	$490,433	No data	$-29,760
2021	$391,740	$518,878	No data	$-127,138
2020	$343,402	$349,842	$121,668	$-6,440
2019	$378,652	$425,563	$128,108	$-46,911
2018	$518,345	$412,600	$175,019	$105,745

THE FIRST NATIONAL BANK & TRUST COMPANY OF MIAMI EMPLOYEES' BENEFICIARY ASS OC TRUST