INDEPENDENT BANKERS ASSOCIATION OF… - 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

1974

Legal Domicile

Principal Officer

CHRISTOPHER WILLISTON VI

Phone

5124746889

Tax Period

2023-01-01 to 2023-12-31

INDEPENDENT BANKERS ASSOCIATION OF TEXAS, founded in 1974, is a community nonprofit that reported $5.0M in total revenue in fiscal year 2023.

Mission

TO PRESENT THE VIEWS OF INDEPENDENT TEXAS BANKERS TO THE TEXAS AND U.S. LEGISLATURES, REGULATORY AUTHORITIES, AND TO THE PUBLIC TO PROMOTE AND PROTECT THE INTEREST OF INDEPENDENT BANKING.

Program Service Accomplishments

Program 1

CONVENTION: IBAT SPONSORS AN ANNUAL CONVENTION AND CONFERENCES EACH FALL FOR ITS MEMBERS. THE MEMBERS RECEIVE UPDATES IN CURRENT ECONOMIC, REGULATORY, AND MARKETING ISSUES FOR BANKING. THE CONVENTION ALLOWS MEMBERS TO INTERFACE WITH EACH OTHER, ASSOCIATION STAFF, AND VARIOUS BANKING AFFILIATED VENDORS.

Program 2

LOBBYING: IBAT MONITORS ALL STATE OF TEXAS AND FEDERAL LEGISLATION WHICH WOULD IMPOSE REGULATIONS AND/OR TAXES ON THE BANKS WITHIN TEXAS. BASED ON THE BOARD OF DIRECTORS AND THE REGULATORY LIAISON...

LOBBYING: IBAT MONITORS ALL STATE OF TEXAS AND FEDERAL LEGISLATION WHICH WOULD IMPOSE REGULATIONS AND/OR TAXES ON THE BANKS WITHIN TEXAS. BASED ON THE BOARD OF DIRECTORS AND THE REGULATORY LIAISON COMMITTEE'S DECISIONS, IBAT REPRESENTS ITS MEMBERSHIP POSITION ON PENDING LEGISLATION TO THE BILL COMMITTEE OR DIRECTLY TO VARIOUS LEGISLATORS.

Program 3

MAGAZINE: IBAT PUBLISHES A QUARTERLY MAGAZINE THROUGH IBAT MARKETING, WHICH IS SENT TO ALL MEMBERS AS A MEMBERSHIP BENEFIT. THE MAGAZINE INCLUDES ARTICLES ABOUT BANKS WITHIN TEXAS, UPCOMING...

MAGAZINE: IBAT PUBLISHES A QUARTERLY MAGAZINE THROUGH IBAT MARKETING, WHICH IS SENT TO ALL MEMBERS AS A MEMBERSHIP BENEFIT. THE MAGAZINE INCLUDES ARTICLES ABOUT BANKS WITHIN TEXAS, UPCOMING EDUCATIONAL OPPORTUNITIES, THE CURRENT FEDERAL AND STATE REGULATORY ENVIRONMENT, AND OTHER ARTICLES RELATED TO BANKING IN TEXAS.

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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 $709,419

Program Service Revenue $3,160,730

Investment Income $9,893

Other Revenue $1,106,335

TOTAL REVENUE $4,986,377

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,789,049

Fundraising Expenses $0

Other Expenses $2,325,147

TOTAL EXPENSES $5,114,196

Year-over-Year Comparison

	2023	2022	Change
Revenue	$4,986,377	$5,246,047	0.0%
Expenses	$5,114,196	$5,801,593	-0.1%
Net Income	$-127,819	$-555,546	-0.8%

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

108

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

$631,472

Total Directors

Key Employees

$1,281,374

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRISTOPHER WILLISTON VI	PRESIDENT &	38.00	Officer	$309,590	$47,792	$395,720
URSULA JIMENEZ	DIRECTOR OF	38.00	Officer	$187,667	$37,756	$235,752
STEPHEN SCURLOCK	DIR OF GOV R	40.00	Key Emp	$253,172	$46,784	$299,956
CURTIS NELSON	DIR OF MEMBE	40.00	Key Emp	$214,752	$46,002	$260,754
JULIE COURTNEY	PRESIDENT, I	7.00	Key Emp	$19,512	$47,484	$251,845
CHRISTY BUSSEY	DIR OF GROWT	33.00	Key Emp	$185,494	$26,959	$253,585
WENDY FOSTER	ASSOC. DIR O	40.00	Highest	$146,863	$26,864	$173,727
MATTHEW SMITH	DIR. OF INNO	13.20	Key Emp	$55,909	$29,752	$215,234
ALINA GREAVU	DIR OF OPERA	40.00	Highest	$129,671	$21,487	$151,158
KELLY GOULART	REG COMPLIAN	40.00	Highest	$125,944	$18,259	$144,203
APRYL SALAZAR	COMPLIANCE P	8.00	Highest	$25,367	$21,026	$147,862
KYLE IRWIN	IMM PAST CH	3.00	Officer Director	$0	$0	$0
KYLE IRWIN	CHAIR (01-09	1.00	Officer Director	$0	$0	$0
CHRISTOPHER C DOYLE	CHAIR (09-12	1.00	Officer Director	$0	$0	$0
TRACY HARRIS	CHAIRMAN-ELE	1.00	Officer Director	$0	$0	$0
MATTHEW A CRABLE	CHAIR-LEADER	1.00	Officer Director	$0	$0	$0
KEVIN MONK	FDN CHAIR (0	1.00	Officer Director	$0	$0	$0
MICHAEL SCAIEF	TREAS/SEC	1.00	Officer Director	$0	$0	$0
BRADLEY H TIDWELL	PAST CHAIR	1.00	Officer Director	$0	$0	$0
HAZEM AHMED	DIRECTOR (01	1.00	Director	$0	$0	$0
JOHN DAVID BAKER	DIRECTOR	1.00	Director	$0	$0	$0
KELLY BARCLAY	DIRECTOR (01	1.00	Director	$0	$0	$0
BYRON BEXLEY	DIRECTOR	1.00	Director	$0	$0	$0
JOE BURNETT	DIRECTOR	1.00	Director	$0	$0	$0
THOMAS H CANFIELD JR	DIRECTOR	1.00	Director	$0	$0	$0
CHET CLAYTON	DIRECTOR	1.00	Director	$0	$0	$0
DAVID DEANDA JR	DIRECTOR (09	1.00	Director	$0	$0	$0
JAMES DREIBELBIS	DIRECTOR	1.00	Director	$0	$0	$0
MIKE FERNANDEZ	DIRECTOR	1.00	Director	$0	$0	$0
CORY FLENCHER	DIRECTOR (01	1.00	Director	$0	$0	$0
DAN FRANK	DIRECTOR	1.00	Director	$0	$0	$0
BARRY GOBER	DIRECTOR	1.00	Director	$0	$0	$0
GABRIEL GUERRA	DIRECTOR	1.00	Director	$0	$0	$0
JAMES DOAK HARTLEY	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT HEITKAMP	DIRECTOR	1.00	Director	$0	$0	$0
RUSSELL HITT	DIRECTOR	1.00	Director	$0	$0	$0
RICK JAMIESON	DIRECTOR (09	1.00	Director	$0	$0	$0
DAVID KAPAVIK	DIRECTOR (09	1.00	Director	$0	$0	$0
SLOAN KUEHL	DIRECTOR	1.00	Director	$0	$0	$0
RICKY D LEAL	DIRECTOR	1.00	Director	$0	$0	$0
JODY LEE	DIRECTOR	1.00	Director	$0	$0	$0
FORREST LLOYD	DIRECTOR	1.00	Director	$0	$0	$0
CINDY MANTHEY	DIRECTOR (09	1.00	Director	$0	$0	$0
BRETT MCDOWELL	DIRECTOR (09	1.00	Director	$0	$0	$0
WILL MILLER	DIRECTOR	1.00	Director	$0	$0	$0
RONNIE MILLER	DIRECTOR (01	1.00	Director	$0	$0	$0
MIKE MURPHY	DIRECTOR (01	1.00	Director	$0	$0	$0
CORY NEWSOM	DIRECTOR (01	1.00	Director	$0	$0	$0
SAM NUNN	DIRECTOR	1.00	Director	$0	$0	$0
TIM O'BRIEN	DIRECTOR (01	1.00	Director	$0	$0	$0
STEVE RETZLOFF	DIRECTOR (01	1.00	Director	$0	$0	$0
MARTY RIVERS	DIRECTOR	1.00	Director	$0	$0	$0
RODNEY RUTHART	DIRECTOR (01	1.00	Director	$0	$0	$0
LEANN SANCHEZ	DIRECTOR	1.00	Director	$0	$0	$0
RICHARD SCANIO	DIRECTOR	1.00	Director	$0	$0	$0
LESLIE SEDLOCK	DIRECTOR (09	1.00	Director	$0	$0	$0
THOMAS SELLERS	DIRECTOR	1.00	Director	$0	$0	$0
KATHY SMITH	DIRECTOR	1.00	Director	$0	$0	$0
KINNAN STOCKTON	DIRECTOR (01	1.00	Director	$0	$0	$0
ROBERT TEMPLE	DIRECTOR (01	1.00	Director	$0	$0	$0
ROY THOMPSON	DIRECTOR	1.00	Director	$0	$0	$0
ROBERT UPCHURCH III	DIRECTOR (09	1.00	Director	$0	$0	$0
CHRISTINE WEINZAPFEL	DIRECTOR	1.00	Director	$0	$0	$0
REED WILLIAMS	DIRECTOR	1.00	Director	$0	$0	$0
ROGER WILLIAMS	DIRECTOR	1.00	Director	$0	$0	$0
GREG WILSON	DIRECTOR	1.00	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	$4,986,377	$5,114,196	$6,833,294	$-127,819
2022	$5,246,047	$5,801,593	$6,714,715	$-555,546
2021	$5,511,793	$4,897,039	$7,396,649	$614,754
2020	$4,339,916	$3,825,595	$6,294,232	$514,321
2019	$4,675,058	$4,896,933	$5,533,205	$-221,875
2018	$4,809,887	$5,329,201	$5,753,083	$-519,314

INDEPENDENT BANKERS ASSOCIATION OF TEXAS