2022-11-10T10:35:43-06:00 2021-12-31 410746749 CLIFTONLARSONALLEN LLP 801 CHERRY ST SUITE 1400 FORT WORTH TX 76102 990 2021-01-01 640851798 HOPE ENTERPRISE CORPORATION HOPE 6019441100 4 OLD RIVER PLACE A JACKSON MS 39202 ALAN BRANSON CFO 6019441100 2022-10-27 1 ALAN BRANSON 999009999 MICHAELA J CROMAR CPA P00895728 8178775000 2022-10-27 3 AAL1 IAL1 2021 2022-09-23 18:48:47Z WILLIAM BYNUM 4 OLD RIVER PLACE A JACKSON MS 39202 30038701 0 X WWW.HOPE-EC.ORG X 1993 MS PROVIDING ACCESS TO QUALITY FINANCIAL PRODUCTS/SERVICES. 18 18 297 18 0 0 37689400 15416499 5631546 9495555 674646 47052 -558154 0 43437438 24959106 155209 5776026 0 0 4551957 5509184 0 0 530966 11826365 12829433 16533531 24114643 26903907 844463 166071920 150349143 112948658 97094676 53123262 53254467 X TO STRENGTHEN COMMUNITIES AND IMPROVE LIVES IN ECONOMICALLY DISTRESSED AREAS OF THE MID SOUTH BY PROVIDING ACCESS TO QUALITY FINANCIAL PRODUCTS AND SERVICES. 0 0 13449658 5776026 7802580 DEVELOPMENT FINANCE SPECIALIZES IN LOANS TO SMALL TO MEDIUM SIZED MANUFACTURING AND SERVICE BUSINESSES. 1986796 443167 OTHER PROGRAM SERVICES: REGIONAL DEVELOPMENT OF SYSTEMS AND ORGANIZATIONS TO IMPROVE HOUSING, COMMUNICATIONS, WORKFORCE TRAINING, GENERAL BUSINESS DEVELOPMENT AND ACCESS TO CAPITAL. 956076 TECHNICAL ASSISTANCE TO SMALL AND MEDIUM SIZED MANUFACTURING AND SERVICE BUSINESSES IN THE AREA OF MANAGEMENT CONSULTING AND IN THE AREAS OF IMPROVEMENTS OF PROCESSES AND SYSTEMS. 513433 1249808 HOUSING INITIATIVE PROVIDES FINANCE FOR AFFORDABLE HOUSING TO FAMILIES. 513433 1249808 16905963 1 1 0 1 0 0 0 0 0 0 1 1 0 0 1 1 0 1 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 1 0 1 46 0 297 1 0 0 0 0 0 0 0 0 0 0 0 0 X 18 18 0 0 0 0 0 0 0 1 1 0 0 0 1 1 1 1 1 1 1 1 1 MS AR LA TN X ALAN BRANSON 6019441100 4 OLD RIVER PLACE JACKSON MS 39202 MIKE ESPY CHAIR 0.04 X X 0 0 0 IVYE ALLEN SECRETARY 0.04 0.25 X X 0 0 0 CLAIBORNE BARKSDALE DIRECTOR 0.04 X 0 0 0 CAROLYN JEFFERSON DIRECTOR 0.04 X 0 0 0 RONNIE CRUDUP DIRECTOR 0.04 0.08 X 0 0 0 ROBERT GIBBS DIRECTOR 0.04 0.25 X 0 0 0 MAURICE JONES DIRECTOR 0.04 X 0 0 0 FRED MILLER DIRECTOR 0.04 X 0 0 0 MARTHA MURPHY DIRECTOR 0.04 X 0 0 0 JEFFREY NOLAN DIRECTOR 0.04 X 0 0 0 BILLY PERCY CHAIR EMERITUS DIRECTOR 0.04 0.25 X 0 0 0 SUSANNAH CARRIER DIRECTOR 0.04 X 0 0 0 DAN LETENDRE DIRECTOR 0.04 X 0 0 0 ALEX WISE DIRECTOR 0.04 X 0 0 0 BLANCHE LINCOLN DIRECTOR 0.04 X 0 0 0 ANN MARIE BURGOYNE DIRECTOR 0.04 X 0 0 0 HERSCHELL HAMILTON DIRECTOR 0.04 X 0 0 0 WILLIAM BYNUM PRESIDENT/CEO 28.77 13.69 X 556282 0 20667 ALAN BRANSON CFO/EVP/TREASURER/ASST. SE 22.19 21.52 X 229231 0 28576 EDWARD D SIVAK JR EXECUTIVE VP/CHIEF POLICY 44.42 9.31 X 178279 0 18129 KIMBERLA LITTLE CHIEF HUMAN ASSETS OFFICER 20.06 19.94 X 152846 0 15333 PEARL WICKS COO/EVP 25.06 20.73 X 193738 0 25750 FELICIA LYLES SVP RETAIL OPS 4.00 38.00 X 123269 0 33345 BARBARA JONES SVP DEPOSIT SERVICES 2.00 40.00 X 124875 0 39762 CASSANDRA WILLIAMS EVP CHIEF PROGRAM OFFICER 22.00 22.00 X 114188 0 29678 KATHY SALOY SVP COMMUNITY ECON DEV 35.00 9.00 X 119322 0 17548 PHILIP EIDE SVP COMMUNITY ECON DEV 29.00 11.00 X 120350 0 25618 1912380 0 254406 17 0 1 0 WILSON PERUMAL AND COMPANY 13355 NOEL ROAD STE 1100 DALLAS TX 75240 BUSINESS MANAGEMENT CONSULTING 1550000 CLIFTONLARSONALLEN LLP PO BOX 679334 DALLAS TX 75267 ACCOUNTING 523395 STRATEGIC DEVELOPMENT SOLUTIONS LLC 1281 WESTWOOD BLVD STE 200 LOS ANGELES CA 90024 FINANCIAL MANAGEMENT 369506 DAWN US HOLDINGS PO BOX 841569 JACKSON TX 75285 CONSULTING 121783 4 1727065 13689434 15416499 LOAN FEES AND OTHER REVENUE 525990 7568969 7568969 INTEREST INCOME ON LOANS 525990 1926586 1926586 9495555 74478 74478 5052169 5079595 -27426 -27426 -27426 24959106 9495555 0 47052 X 5776026 5776026 1418836 604543 748114 66179 3355301 1818170 1292499 244632 93884 52323 34557 7004 367935 203359 138395 26181 273228 139767 115510 17951 34844 34844 254608 254608 20006 20006 38642 18332 20310 3140164 1420227 1704071 15866 90602 40066 45802 4734 959444 385305 508358 65781 799016 432868 301838 64310 103571 52383 47951 3237 12812 4831 7556 425 938560 277263 661297 320207 320207 97333 7110 90223 HFCU OPERATIONAL SUPPOR 4441500 4441500 MISCELLANEOUS 838514 543264 287442 7808 FORGIVABLE LOAN EXPENSE 391291 391291 LOAN ALLOWANCE EXPENSE 156651 156651 191668 120678 64132 6858 24114643 16905963 6677714 530966 24017472 29654392 6581600 892346 1462949 497780 30949 340225 92809838 46501828 282001 390175 7883488 5850423 1880074 2033065 33700478 65515413 5306559 4523919 166071920 150349143 1844315 2346119 1124729 7046214 106122143 86956038 3857471 746305 112948658 97094676 X 33634251 35464668 19489011 17789799 53123262 53254467 166071920 150349143 844463 -713258 0 X 0 1 X 1 1 1 X 18236826 13239558 11746741 37689400 15416499 96329024 2534394 2325702 3566946 5631546 9495555 23554143 20771220 15565260 15313687 43320946 24912054 119883167 3234578 838618 7199760 30356060 12234557 53863573 755088 925854 607560 2288502 3989666 1764472 7807320 30356060 12234557 56152075 63731092 329633 527945 763568 661943 74478 2357567 329633 527945 763568 661943 74478 2357567 308 44981 -558154 -512865 21101161 16138186 16077255 43424735 24986532 121727869 0.52360 0.86540 0.01940 0.02230 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 28802 28802 24085841 24114643 1000000 250000 0 0 929060 945657 976677 1000000 3851394 5777091 152455 135393 118782 28802 435432 232265 236414 244169 250000 962848 1444272 2004386 716572 1287814 23269 22185 1084 4984669 4403147 581522 871164 708519 162645 2033065 COMM CREDIT UNION 35060775 C INVESTMENT SECURITIES 30454638 C 65515413 DUE TO AFFILIATES 746305 746305 X PART X, LINE 2: POTENTIAL EXPOSURE INVOLVING TAX POSITIONS TAKEN THAT MAY BE CHALLENGED BY TAXING AUTHORITIES CONTAIN ASSUMPTIONS BASED UPON PAST EXPERIENCES AND JUDGMENTS ABOUT POTENTIAL ACTIONS BY TAXING JURISDICTIONS. MANAGEMENT DOES NOT BELIEVE THAT THE ULTIMATE SETTLEMENT OF THESE ITEMS WILL RESULT IN A MATERIAL AMOUNT. WITH MINIMUM EXCEPTIONS, THE COMPANY IS NO LONGER SUBJECT TO INCOME TAX EXAMINATION PRIOR TO 2018. 0 HOPE FEDERAL CREDIT UNION 4 OLD RIVER PLACE SUITE A JACKSON MS 39202 640865228 501(C)(1) 3950000 0 LRNDING MARKETFARE 135 ROBERT E LEE BLVD NEW ORLEANS LA 70124 721446044 200000 0 FORGIVABLE LOAN WE2GETHER 167 N MAIN ST DREW MS 38737 800438253 501(C)(3) 182413 0 HEALTHY FOOD INITIATIVE POSIGEN 819 CENTRAL AVE SUITE 210 NEW ORLEANS LA 70121 471619706 1000000 0 HURRICANE IDA POWER OUTAGE RELIEF 1 3 X X X 0 0 0 0 0 0 0 0 0 WILLIAM BYNUM PRESIDENT/CEO 427475 0 125375 0 3432 0 11600 0 9067 0 576949 0 0 0 ALAN BRANSON CFO/EVP/TREASURER/ASST. SE 198028 0 29191 0 2012 0 8269 0 20307 0 257807 0 0 0 PEARL WICKS COO/EVP 172853 0 19622 0 1263 0 6029 0 19721 0 219488 0 0 0 EDWARD D SIVAK JR EXECUTIVE VP/CHIEF POLICY 155489 0 22277 0 513 0 6369 0 11760 0 196408 0 0 0 KIMBERLA LITTLE CHIEF HUMAN ASSETS OFFICER 133231 0 19186 0 429 0 5485 0 9848 0 168179 0 0 0 BARBARA JONES SVP DEPOSIT SERVICES 110856 0 13290 0 729 0 4308 0 35454 0 164637 0 0 0 FELICIA LYLES SVP RETAIL OPS 113047 0 9869 0 353 0 4687 0 28658 0 156614 0 0 0 FORM 990, PART VI, SECTION A, LINE 1A EXECUTIVE AND GOVERNANCE COMMITTEE MAY EXERCISE THE AUTHORITY OF THE BOARD OF DIRECTORS TO THE EXTENT SPECIFIED BY THE BOARD OF DIRECTORS. A COMMITTEE MAY NOT, HOWEVER, AUTHORIZE DISTRIBUTIONS; APPROVE OR RECOMMEND DISSOLUTION, MERGER OR THE SALE, PLEDGE OR TRANSFER OF ALL OR SUBSTANTIALLY ALL OF THE CORPORATION'S ASSETS; ELECT, APPOINT OR REMOVE DIRECTORS OR FILL VACANCIES ON THE BOARD OF DIRECTORS OR ON ANY OF ITS COMMITTEES; OR ADOPT, AMEND, OR REPEAL THE ARTICLES OF INCORPORATION OR BYLAWS. FORM 990, PART VI, SECTION B, LINE 11B THE GOVERNING BODY DOES NOT REVIEW THE 990 BEFORE FILING. HOWEVER, IT IS REVIEWED BY THE SVP FISCAL AND CFO. FORM 990, PART VI, SECTION B, LINE 12C EACH DIRECTOR, OFFICER, AND EMPLOYEE SHALL SIGN ANNUALLY A STATEMENT WHICH AFFIRMS THAT SUCH PERSON HAS RECEIVED A COPY OF THIS CONFLICTS OF INTEREST POLICY, HAS READ AND UNDERSTANDS THE POLICY AND HAS AGREED TO COMPLY WITH THIS POLICY. THE BOARD YEARLY MONITORS THE POLICY FOR ANY UPDATES THAT NEED TO BE MADE. IT IS REVIEWED BY HUMAN ASSETS, LEGAL AND COMPLIANCE WHEN CONFLICTS OF INTEREST (PERCEIVED OR POTENTIAL) ARE DISCLOSED BY THE INDIVIDUAL. THE COMPLIANCE DEPARTMENT AND HUMAN ASSESTS ARE RESPONSIBLE FOR ENFORCING COMPLIANCE WITH THE CONFLICT OF INTEREST POLICY. UPON THE FIRST KNOWLEDGE BY AN INTERESTED PERSON THAT THE ORGANIZATION IS CONSIDERING OR HAS CONSIDERED A TRANSACTION OR ARRANGEMENT WITH A TRANSACTION ENTITY OR INDIVIDUAL WITH WHICH THE INTERESTED PERSON HAS AN INTEREST, THE INTERESTED PERSON MUST DISCLOSE THE EXISTENCE AND NATURE OF HIS OR HER INTEREST TO THE PRESIDENT OR CHAIRMAN OF THE BOARD OF DIRECTORS. AFTER DISCLOSURE OF THE INTEREST, THE INTERESTED PERSON MAY NOT PARTICIPATE IN CONSIDERATION OF THE PROPOSED TRANSACTION OR ARRANGEMENT AND SHALL NOT BE PRESENT FOR THE CONSIDERATION OF OR VOTE ON SUCH TRANSACTION UNLESS THE PRESIDENT REQUESTS INFORMATION OR INTERPRETATION FROM THE INTERESTED PERSON. THE PRESIDENT SHALL THEN DETERMINE OR REFER TO THE CHAIRMAN OF THE BOARD AND/OR THE BOARD FOR DETERMINATION OF WHETHER THE TRANSACTION OR ARRANGEMENT IS IN HEC'S BEST INTERESTS AND IS FAIR AND REASONABLE TO HEC AND SHALL MAKE A DECISION WHETHER TO ENTER INTO THE TRANSACTION OR ARRANGEMENT IN ACCORDANCE WITH SUCH DETERMINATION. WHEN THE PRESIDENT, CHAIRMAN OF THE BOARD OR THE BOARD MAKE A DETERMINATION AND DECISION ON THE INTEREST OF AN INTERESTED PERSON, THE MINUTES SHALL CONTAIN THE NAMES OF THE INTERESTED PERSON(S) WHO DISCLOSED OR OTHERWISE WERE FOUND TO HAVE AN INTEREST, THE NATURE OF THE INTEREST, A RECORD OF ANY DETERMINATION AS TO WHETHER A TRANSACTION OR ARRANGEMENT WAS IN THE BEST INTERESTS OF AND FAIR AND REASONABLE TO HEC AND THE NAMES OF THE PERSONS WHO WERE PRESENT FOR THE DISCUSSIONS ON THE TRANSACTION OR ARRANGEMENT AND A RECORD OF ANY VOTES TAKEN IN CONNECTION THEREWITH. IF THE PRESIDENT, CHAIRMAN OF THE BOARD OR THE BOARD HAS REASONABLE CAUSE TO BELIEVE AN INTERESTED PERSON HAS FAILED TO DISCLOSE AN ACTUAL OR POSSIBLE INTEREST, HE, SHE OR THEY SHALL INFORM THE INTERESTED PERSON OF THE BASIS FOR SUCH BELIEF AND AFFORD THE INTERESTED PERSON AN OPPORTUNITY TO EXPLAIN THE ALLEGED FAILURE TO DISCLOSE. IF AFTER HEARING THE RESPONSE OF THE INTERESTED PERSON AND MAKING SUCH INVESTIGATION AS MAY BE WARRANTED IN THE CIRCUMSTANCES, THE PRESIDENT, THE CHAIRMAN OF THE BOARD OR THE BOARD SHALL TAKE APPROPRIATE DISCIPLINARY AND CORRECTIVE ACTION. FORM 990, PART VI, SECTION B, LINE 15 ORGANIZATION'S SALARY ADMINISTRATION PROCESS IS OUTSOURCED TO GALLAGHER CONSULTING FIRM. ORGANIZATION WENT THROUGH A SALARY ANALYSIS WITH GALLAGHER CONSULTING FIRM IN 2018 WHERE THE CURRENT SALARY STRUCTURE AND GRADES WERE SET UP FOR ALL ROLES. IN JUNE OF 2021 THE PAY STRUCTURE WAS UPDATED TO REFLECT CURRENT DATA. THE NEXT STRUCTURE REVIEW IS SCHEDULED FOR QUARTER ONE 2022. THE FOLLOWING SOURCES WERE USED AND ARE AGED TO OUR STRUCTURE: AMERICAN BANKERS ASSOCIATION 2021. DATA EFFECTIVE DATE IS DECEMBER 31, 2020; COMPANALYST, JOB ANALYZER (CA) 2022. THE DATABASE HAS COMPENSATION DATA ON MORE THAN 20 MILLION EMPLOYEES AND 1,500 UNIQUE JOB TITLES; COMPDATA BENCHMARK SURVEYS 2021 E DATA EFFECTIVE DATE IS OCTOBER 2021; CREDIT UNION NATIONAL ASSOCIATION (CUNA) STAFF SALARY REPORT 20212022 DATA EFFECTIVE DATE IS APRIL 2021; ECONOMIC RESEARCH INSTITUTE (ERI) 2022 A NATIONAL COMPENSATION SUBSCRIPTION DATABASE; THE SALARY ASSESSOR DATABASE; MERCER BENCHMARK REPORT 2021.DATA EFFECTIVE DATE IS MARCH 2021; WILLIS TOWERS WATSON SALARY SURVEY 2021. USING THE SOURCES ABOVE EACH EXECUTIVE LEVEL JOB WAS COMPARED BASED ON THE FOLLOWING CRITERIA: JOB GROUP - ALL HOPE EXECUTIVE VICE PRESIDENT ROLES AND CREDIT UNIONS AND CDFI'S. INDUSTRIES/BUSINESS SECTOR NONPROFITS, CREDIT UNIONS, CDFI'S. GEOGRAPHICAL REGION - NATIONAL. SIZE OF BUDGET, SCOPE, STAFF, SIZE $500 MILLION IN ASSETS AND APPROXIMATELY 250 EMPLOYEES. MARKET POSITIONING MEDIAN (50TH PERCENTILE). USING THE SOURCES ABOVE EACH SENIOR LEADERSHIP JOB WAS COMPARED BASED ON THE FOLLOWING CRITERIA: JOB GROUP ALL HOPE SENIOR LEADERSHIP ROLES INCLUDING SVP'S AND VP'S. INDUSTRIES/BUSINESS SECTOR NONPROFITS, CREDIT UNIONS, CDFI'S. GEOGRAPHICAL REGION SOUTHWEST REGION. SIZE OF BUDGET, SCOPE, STAFF, SIZE $400 MILLION IN ASSETS AND APPROXIMATELY 250 EMPLOYEES. MARKET POSITIONING MEDIAN (50TH PERCENTILE). ORGANIZATION CONTINUES TO USE GALLAGHER CONSULTING FIRM FOR COMPENSATION DATA FOR ALL NEWLY CREATED ROLES. FORM 990, PART VI, SECTION C, LINE 19 THE ORGAINZATION CAN BE CONTACTED DIRECTLY IN ORDER TO REQUEST ANY OF THE NAMED DOCUMENTS. FORM 990, PART IX, LINE 11G CONTRACT SERVICES CONSULTANTS: PROGRAM SERVICE EXPENSES 1,420,227. MANAGEMENT AND GENERAL EXPENSES 1,704,071. FUNDRAISING EXPENSES 15,866. TOTAL EXPENSES 3,140,164. 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