PACIFIC BANKERS MANAGEMENT INSTITUTE (EIN 916034921) - 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

1970

Legal Domicile

Principal Officer

JOAN R REUKAUF

Phone

4252780250

Tax Period

2024-01-01 to 2024-12-31

PACIFIC BANKERS MANAGEMENT INSTITUTE, founded in 1970, is a community nonprofit that reported $5.8M in total revenue in fiscal year 2024. The organization ran a surplus of $1.1M, a strong 19% operating margin.

Mission

GRADUATE LEVEL EDUCATION FOR THE FINANCIAL SERVICES INDUSTRY.

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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 $0

Program Service Revenue $5,527,326

Investment Income $302,026

Other Revenue $0

TOTAL REVENUE $5,829,352

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,768,653

Fundraising Expenses $0

Program Expenses $4,242,602

Other Expenses $2,928,420

TOTAL EXPENSES $4,697,073

Year-over-Year Comparison

	2024	2023	Change
Revenue	$5,829,352	$5,501,244	+0.1%
Expenses	$4,697,073	$4,390,321	+0.1%
Net Income	$1,132,279	$1,110,923	+0.0%

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

$1,088,261

Total Directors

$1,088,261

Key Employees

$260,992

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GRETCHEN CLAFLIN	CEO	40.00	Officer Director	$568,200	$189,150	$757,350
JOAN R REUKAUF	PRESIDENT	40.00	Officer Director	$204,025	$126,886	$330,911
JENENE SZUCH	SECRETARY &	40.00	Key Emp	$206,376	$54,616	$260,992
KATHRYN THOMPSON	VP MARKETING	40.00	Highest	$128,284	$49,478	$177,762
MUKHTAR ALI	BOARD MEMBER	1.00	Director	$0	$0	$0
TED B AUSTIN	BOARD MEMBER	1.00	Director	$0	$0	$0
BRENT BEARDALL	BOARD MEMBER	1.00	Director	$0	$0	$0
DAVID BRAGER	BOARD MEMBER	1.00	Director	$0	$0	$0
BENJAMIN F BROWNING	BOARD MEMBER	1.00	Director	$0	$0	$0
ELIZABETH E CADWALLADER	PCBS BOARD C	1.00	Officer Director	$0	$0	$0
DAVID CAMERON	BOARD MEMBER	1.00	Director	$0	$0	$0
RANDALL CHESLER	BOARD MEMBER	1.00	Director	$0	$0	$0
JOAQUIN PLG COOK	BOARD MEMBER	1.00	Director	$0	$0	$0
JEFFREY J DEUEL	BOARD MEMBER	1.00	Director	$0	$0	$0
LEAH M DIRKS	BOARD MEMBER	1.00	Director	$0	$0	$0
DANIEL J DOYLE	BOARD MEMBER	1.00	Director	$0	$0	$0
CORY L GARDINER	BOARD MEMBER	1.00	Director	$0	$0	$0
JANET A GARUFIS	BOARD MEMBER	1.00	Director	$0	$0	$0
KEVIN GOULD	BOARD MEMBER	1.00	Director	$0	$0	$0
MARK GRESCOVICH	BOARD MEMBER	1.00	Director	$0	$0	$0
CURTIS HANSEN	VICE CHAIRMA	1.00	Officer Director	$0	$0	$0
ROBERT S HARRISON	BOARD MEMBER	1.00	Director	$0	$0	$0
JACK E HEATH III	CHAIRMAN	1.00	Officer Director	$0	$0	$0
STANLEY R IVIE	BOARD MEMBER	1.00	Director	$0	$0	$0
JOHN V EVANS JR	BOARD MEMBER	1.00	Director	$0	$0	$0
MARY A KNELL	BOARD MEMBER	1.00	Director	$0	$0	$0
LINDSAY A LAWRENCE	BOARD MEMBER	1.00	Director	$0	$0	$0
MARK K MASON	BOARD MEMBER	1.00	Director	$0	$0	$0
KATHY MOE-LONOWSKI	BOARD MEMBER	1.00	Director	$0	$0	$0
TORRAN B NIXON	BOARD MEMBER	1.00	Director	$0	$0	$0
PEGGY OHLHAVER	BOARD MEMBER	1.00	Director	$0	$0	$0
GERROD A PARCHMON	BOARD MEMBER	1.00	Director	$0	$0	$0
STEVEN L POLITAKIS	PCBS VICE CH	1.00	Officer Director	$0	$0	$0
JOSEPH M SCHIERHORN	BOARD MEMBER	1.00	Director	$0	$0	$0
GLEN D SIMECEK	BOARD MEMBER	1.00	Director	$0	$0	$0
GREG WARD	BOARD MEMBER	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	$5,829,352	$4,697,073	$7,915,066	$1,132,279
2023	$5,501,244	$4,390,321	$6,709,898	$1,110,923
2022	$4,407,132	$4,599,612	$5,610,546	$-192,480
2021	$2,660,191	$2,200,937	$5,913,487	$459,254
2020	$640,618	$1,836,943	$6,613,388	$-1,196,325
2019	$4,309,918	$3,894,516	$5,984,784	$415,402
2018	$3,928,861	$3,730,128	$5,721,237	$198,733

PACIFIC BANKERS MANAGEMENT INSTITUTE