SOUTHEAST COMMUNITY CAPITAL CORPORATION: Form 990, tax year 2014

View the entire original 990 at ProPublica ↗

Organization: SOUTHEAST COMMUNITY CAPITAL CORPORATION (EIN 62-1823596)
Tax period: 2014-01-01 to 2014-12-31
Filed: 2015-05-14
IRS object ID: 201531349349306503
Schema version: 2014v5.0
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule A
Schedule B
Schedule D
Schedule J
Schedule L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2015-05-14T14:52:28-05:00	ReturnTs
Tax Period End	2014-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	620713250	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	KRAFTCPAS PLLC	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	555 GREAT CIRCLE ROAD	AddressLine1Txt
City	NASHVILLE	CityNm
State Abbreviation	TN	StateAbbreviationCd
ZIP	37228	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2014-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	621823596	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	SOUTHEAST COMMUNITY CAPITAL CORPORATION	BusinessNameLine1Txt
Business Name Line2	D/B/A PATHWAY LENDING	BusinessNameLine2Txt

Field	Value	IRS element (for citing)
Business Name Control	SOUT	BusinessNameControlTxt
Phone	6154257184	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	201 VENTURE CIRCLE	AddressLine1Txt
City	NASHVILLE	CityNm
State Abbreviation	TN	StateAbbreviationCd
ZIP	37228	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	CLINT GWIN	PersonNm
Person Title	PRESIDENT	PersonTitleTxt
Phone	6152546113	PhoneNum
Signature	2015-05-14	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	FRANCES E LEAHY	PreparerPersonNm
PTIN	P00713593	PTIN
Phone	6152427351	PhoneNum
Preparation	2015-05-14	PreparationDt

Field	Value	IRS element (for citing)
Tax	2014	TaxYr
Build TS	2016-02-25 16:41:14Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	CLINT GWIN	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	201 VENTURE CIRCLE	AddressLine1Txt
City	NASHVILLE	CityNm
State Abbreviation	TN	StateAbbreviationCd
ZIP	37228	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$8,034,799	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c3	Yes (X)	Organization501c3Ind
Website Address	WWW.PATHWAYLENDING.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1999	FormationYr
Legal Domicile State	TN	LegalDomicileStateCd
Activity Or Mission	PROVIDING UNDERSERVED SMALL BUSINESSES WITH LENDING SOLUTIONS AND EDUCATIONAL SERVICES THAT PROVIDE JOB CREATION AND ECONOMIC DEVELOPMENT. PROVIDING ENERGY EFFICIENY LOANS AND ENERGY EDUCATION TO HELP PRESERVE ENERGY RESOURCES FOR FUTURE GENERATIONS.	ActivityOrMissionDesc
Voting Members Governing Body	9	VotingMembersGoverningBodyCnt
Voting Members Independent	9	VotingMembersIndependentCnt
Total Employee	26	TotalEmployeeCnt
Total Volunteers	0	TotalVolunteersCnt
Total Gross UBI	$0	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$4,882,541	PYContributionsGrantsAmt
CY Contributions Grants	$4,881,676	CYContributionsGrantsAmt
PY Program Service Revenue	$2,728,846	PYProgramServiceRevenueAmt
CY Program Service Revenue	$3,044,412	CYProgramServiceRevenueAmt
PY Investment Income	$107,574	PYInvestmentIncomeAmt
CY Investment Income	$105,711	CYInvestmentIncomeAmt
PY Other Revenue	$5,000	PYOtherRevenueAmt
CY Other Revenue	$3,000	CYOtherRevenueAmt
PY Total Revenue	$7,723,961	PYTotalRevenueAmt
CY Total Revenue	$8,034,799	CYTotalRevenueAmt
PY Grants And Similar Paid	$0	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$2,437,770	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$2,278,070	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$2,967,568	PYOtherExpensesAmt
CY Other Expenses	$3,666,000	CYOtherExpensesAmt
PY Total Expenses	$5,405,338	PYTotalExpensesAmt
CY Total Expenses	$5,944,070	CYTotalExpensesAmt
PY Revenues Less Expenses	$2,318,623	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$2,090,729	CYRevenuesLessExpensesAmt
Total Assets BOY	$69,480,304	TotalAssetsBOYAmt
Total Assets EOY	$75,751,979	TotalAssetsEOYAmt
Total Liabilities BOY	$49,260,240	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$53,441,186	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$20,220,064	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$22,310,793	NetAssetsOrFundBalancesEOYAmt
Info In Schedule O Part III	Yes (X)	InfoInScheduleOPartIIIInd
Mission	TO STIMULATE ECONOMIC DEVELOPMENT AND JOB CREATION THROUGH SMALL BUSINESS LENDING TO LOW INCOME, DISADVANTAGED AND START-UP COMPANIES THAT LACK ACCESS TO TRADITIONAL BANKING CREDIT. TO PROVIDE TECHNICAL ASSISTANCE TO CLIENTS WHO NEED BUSINESS COUNSELING AND EDUCATION IN AREAS SUCH AS CASH FLOW MANAGEMENT, FINANCIAL PREPARATION, REVENUE AND EXPENSE PROJECTIONS, ACCOUNTING SYSTEMS, AND MANAGEMENT. TO EDUCATE THE GENERAL PUBLIC ABOUT ENERGY SAVINGS. SOUTHEAST COMMUNITY CAPITAL CORPORATION MADE 84 NEW LOANS TOTALING $18,995,940, OF WHICH 86.8% WERE TO MINORITY, WOMEN, LOW TO MODERATE CENSUS TRACKS OR LOW TO MODERATE INCOME CLIENTS.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Expense	$5,634,564	ExpenseAmt
Revenue	$3,153,123	RevenueAmt
Desc	LENDING PROGRAMS: PROVIDE SMALL BUSINESSES WITH ACCESS TO FINANCIAL SERVICES, INCLUDING EDUCATIONAL AND TECHNICAL ASSISTANCE. SOUTHEAST COMMUNITY CAPITAL CORPORATION PROVIDES SMALL BUSINESS LOANS TO QUALIFIED SMALL AND DISADVANTAGED BUSINESSES THROUGH VARIOUS GOVERNMENT AND NON-PROFIT LENDING PROGRAMS, INCLUDING: U.S. SMALL BUSINESS ADMINISTRATION (SBA), U.S. TREASURY DEPARTMENT CERTIFIED COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION (CDFI), TENNESSEE RURAL OPPORTUNITY FUND, TENNESSEE ENERGY EFFICIENCY INITIATIVE AND TENNESSEE SMALL BUSINESS JOB OPPORTUNITY FUND, ETC. IN 2014, SOUTHEAST COMMUNITY CAPITAL CORPORATION MADE 84 LOANS TOTALING $18,995,940, OF WHICH $16,490,375 WERE IN COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS QUALIFIED UNDERSERVED CLIENTS. SOUTHEAST COMMUNITY CAPITAL CORPORATION ALSO PROVIDED OVER 2,671 HOURS OF TECHNICAL ASSISTANCE, INCLUDING ONE-ON-ONE COUNSELING AND GROUP TRAINING.	Desc
Total Program Service Expenses	$5,634,564	TotalProgramServiceExpensesAmt
Described In Section501c3	Yes (1)	DescribedInSection501c3Ind
Schedule B Required	Yes (1)	ScheduleBRequiredInd
Political Campaign Acty	0	PoliticalCampaignActyInd
Lobbying Activities	0	LobbyingActivitiesInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	0	CreditCounselingInd
Temp Or Permanent Endowments	0	TempOrPermanentEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	0	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	Yes (1)	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	Yes (1)	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	0	ConsolidatedAuditFinclStmtInd
School Operating	0	SchoolOperatingInd
Foreign Office	0	ForeignOfficeInd
Foreign Activities	0	ForeignActivitiesInd
More Than5000 K To Org	0	MoreThan5000KToOrgInd
More Than5000 K To Individuals	0	MoreThan5000KToIndividualsInd
Professional Fundraising	0	ProfessionalFundraisingInd
Fundraising Activities	0	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	0	GrantsToOrganizationsInd
Grants To Individuals	0	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Engaged In Excess Benefit Trans	0	EngagedInExcessBenefitTransInd
PY Excess Benefit Trans	0	PYExcessBenefitTransInd
Loan Outstanding	0	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	BusinessRlnWithFamMemInd
Business Rln With Officer Ent	Yes (1)	BusinessRlnWithOfficerEntInd
Deductible Non Cash Contri	0	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	0	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	0	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Trnsfr Exmpt Non Chrtbl Rltd Org	0	TrnsfrExmptNonChrtblRltdOrgInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	53	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	26	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	0	UnrelatedBusIncmOverLimitInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Quid Pro Quo Contributions	0	QuidProQuoContributionsInd
Form8282 Property Disposed Of	0	Form8282PropertyDisposedOfInd
Indoor Tanning Services	0	IndoorTanningServicesInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	9	GoverningBodyVotingMembersCnt
Independent Voting Member	9	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	0	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	0	MaterialDiversionOrMisuseInd
Members Or Stockholders	0	MembersOrStockholdersInd
Election Of Board Members	0	ElectionOfBoardMembersInd
Decisions Subject To Approva	0	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (1)	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	0	LocalChaptersInd
Form990 Provided To Gvrn Body	Yes (1)	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	0	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	Yes (1)	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
States Where Copy Of Return Is Fld	TN	StatesWhereCopyOfReturnIsFldCd
Other Website	Yes (X)	OtherWebsiteInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	BARBARA HARRIS	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	6154257184	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	201 VENTURE CIRCLE	AddressLine1Txt
City	NASHVILLE	CityNm
State Abbreviation	TN	StateAbbreviationCd
ZIP	37228	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (16 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd
JIM CARTER
CHAIRMAN	3.00	Yes (X)	$0	$0	$0
MARY NEIL PRICE
DIRECTOR	3.00	Yes (X)	$0	$0	$0
SAM HOWARD
DIRECTOR	3.00	Yes (X)	$0	$0	$0
HUGH QUEENER
DIRECTOR	3.00	Yes (X)	$0	$0	$0
TOM ROGERS
DIRECTOR	3.00	Yes (X)	$0	$0	$0
JOY FISHER
DIRECTOR	3.00	Yes (X)	$0	$0	$0
DAVE BEREZOV
DIRECTOR	3.00	Yes (X)	$0	$0	$0
CINDY HERRON
DIRECTOR	3.00	Yes (X)	$0	$0	$0
MILDRED WALTERS
DIRECTOR	3.00	Yes (X)	$0	$0	$0
CLINT GWIN
PRESIDENT	60.00		$212,534	$0	$8,466	Yes (X)
HANK HELTON
SENIOR VICE PRESIDENT	60.00		$165,122	$0	$5,030	Yes (X)
AMY BUNTON
SENIOR VICE PRESIDENT	60.00		$176,661	$0	$4,017	Yes (X)
BARBARA HARRIS
CFO	60.00		$152,564	$0	$6,203	Yes (X)
DANIEL WILSON
SVP OF LENDING OPERATIONS	50.00		$118,530	$0	$1,200		Yes (X)
JOHN BURTCHAELL JR
CHIEF CREDIT OFFICER	32.00		$102,107	$0	$4,341		Yes (X)
ROBERT LANCASTER
DIRECTOR OF ADVISORY SERVICES	40.00		$107,126	$0	$4,211		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$1,034,644	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$33,468	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	5	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (3 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
PROFIT STARJACK HENRY & ASSOCIATGES
PO BOX 807	MONETT	MO	65708	ABL LOAN ADMINISTRATOR	$253,742
ADVANCED NETWORK SOLUTIONS
PO BOX 22952	NASHVILLE	TN	37202	COMPUTER SERVICES	$102,602
RICK MARSH
718 THOMPSON LANE SUITE 108-186	NASHVILLE	TN	37204	CONSULTANT FOR ENERGY EFFICIENCY FOUNDAT	$101,602

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	3	CntrctRcvdGreaterThan100KCnt
Government Grants	$4,677,162	GovernmentGrantsAmt
All Other Contributions	$204,514	AllOtherContributionsAmt
Total Contributions	$4,881,676	TotalContributionsAmt

Program Service Revenue ProgramServiceRevenueGrp (3 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt
LOAN INTEREST	900099	$2,677,867	$2,677,867
FINANCING FEES AND CHA	900099	$222,979	$222,979
MANAGEMENT FEES	900099	$143,566	$143,566

Field	Value	IRS element (for citing)
Total Program Service Revenue	$3,044,412	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$105,711	TotalRevenueColumnAmt
Related Or Exempt Func Income	$105,711	RelatedOrExemptFuncIncomeAmt

Other Revenue Misc OtherRevenueMiscGrp

Field	Value	IRS element (for citing)
Desc	SUBSCRIPTION REVENUE	Desc
Business	900099	BusinessCd
Total Revenue Column	$3,000	TotalRevenueColumnAmt
Related Or Exempt Func Income	$3,000	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$3,000	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$8,034,799	TotalRevenueColumnAmt
Related Or Exempt Func Income	$3,153,123	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$730,598	TotalAmt
Program Services	$619,562	ProgramServicesAmt
Management And General	$111,036	ManagementAndGeneralAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$1,191,964	TotalAmt
Program Services	$1,114,765	ProgramServicesAmt
Management And General	$77,199	ManagementAndGeneralAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$24,528	TotalAmt
Program Services	$24,528	ProgramServicesAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$186,892	TotalAmt
Program Services	$174,680	ProgramServicesAmt
Management And General	$12,212	ManagementAndGeneralAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$144,088	TotalAmt
Program Services	$134,673	ProgramServicesAmt
Management And General	$9,415	ManagementAndGeneralAmt

Fees For Services Management FeesForServicesManagementGrp

Field	Value	IRS element (for citing)
Total	$253,742	TotalAmt
Program Services	$253,742	ProgramServicesAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$115,909	TotalAmt
Program Services	$115,859	ProgramServicesAmt
Management And General	$50	ManagementAndGeneralAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$58,303	TotalAmt
Program Services	$49,280	ProgramServicesAmt
Management And General	$9,023	ManagementAndGeneralAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$251,349	TotalAmt
Program Services	$234,349	ProgramServicesAmt
Management And General	$17,000	ManagementAndGeneralAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$9,745	TotalAmt
Program Services	$8,442	ProgramServicesAmt
Management And General	$1,303	ManagementAndGeneralAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$46,390	TotalAmt
Program Services	$38,287	ProgramServicesAmt
Management And General	$8,103	ManagementAndGeneralAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$70,975	TotalAmt
Program Services	$58,845	ProgramServicesAmt
Management And General	$12,130	ManagementAndGeneralAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$98,769	TotalAmt
Program Services	$95,420	ProgramServicesAmt
Management And General	$3,349	ManagementAndGeneralAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$89,284	TotalAmt
Program Services	$82,442	ProgramServicesAmt
Management And General	$6,842	ManagementAndGeneralAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$908,241	TotalAmt
Program Services	$907,188	ProgramServicesAmt
Management And General	$1,053	ManagementAndGeneralAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$71,119	TotalAmt
Program Services	$57,492	ProgramServicesAmt
Management And General	$13,627	ManagementAndGeneralAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$75,587	TotalAmt
Program Services	$60,522	ProgramServicesAmt
Management And General	$15,065	ManagementAndGeneralAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt	Program ServicesProgramServicesAmt	Management And GeneralManagementAndGeneralAmt
LOAN LOSS PROVISION REC	$1,402,426	$1,402,426
MISCELLANEOUS	$137,849	$136,802	$1,047
TELECOMMUNICATIONS	$44,483	$37,540	$6,943
DUES, LICENSES & PERMIT	$25,584	$22,482	$3,102

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$6,245	TotalAmt
Program Services	$5,238	ProgramServicesAmt
Management And General	$1,007	ManagementAndGeneralAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$5,944,070	TotalAmt
Program Services	$5,634,564	ProgramServicesAmt
Management And General	$309,506	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$4,792,572	BOYAmt
EOY	$2,485,882	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$27,300,561	BOYAmt
EOY	$24,310,555	EOYAmt

Pledges And Grants Receivable PledgesAndGrantsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$31,204	BOYAmt
EOY	$58,928	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$215,298	BOYAmt
EOY	$230,683	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$35,496,815	BOYAmt
EOY	$46,550,976	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$58,017	BOYAmt
EOY	$69,107	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$2,033,779	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$423,688	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$1,582,357	BOYAmt
EOY	$1,610,091	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$3,480	BOYAmt
EOY	$435,757	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$69,480,304	BOYAmt
EOY	$75,751,979	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$538,646	BOYAmt
EOY	$531,052	EOYAmt

Deferred Revenue DeferredRevenueGrp

Field	Value	IRS element (for citing)
BOY	$4,566,354	BOYAmt
EOY	$3,060,377	EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

Field	Value	IRS element (for citing)
BOY	$12,752,485	BOYAmt
EOY	$13,088,961	EOYAmt

Unsecured Notes Loans Payable UnsecuredNotesLoansPayableGrp

Field	Value	IRS element (for citing)
BOY	$30,384,184	BOYAmt
EOY	$32,428,788	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$1,018,571	BOYAmt
EOY	$4,332,008	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$49,260,240	BOYAmt
EOY	$53,441,186	EOYAmt

Field	Value	IRS element (for citing)
Organization Follows SFAS117	Yes (X)	OrganizationFollowsSFAS117Ind

Unrestricted Net Assets UnrestrictedNetAssetsGrp

Field	Value	IRS element (for citing)
BOY	$19,743,123	BOYAmt
EOY	$21,833,252	EOYAmt

Temporarily Rstr Net Assets TemporarilyRstrNetAssetsGrp

Field	Value	IRS element (for citing)
BOY	$476,941	BOYAmt
EOY	$477,541	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$20,220,064	BOYAmt
EOY	$22,310,793	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$69,480,304	BOYAmt
EOY	$75,751,979	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$2,090,729	ReconcilationRevenueExpnssAmt
Other Changes In Net Assets	$0	OtherChangesInNetAssetsAmt
Info In Schedule O Part XII	Yes (X)	InfoInScheduleOPartXIIInd
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	Yes (1)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

Field	Value	IRS element (for citing)
Separate Basis Fincl Stmt	Yes (X)	SeparateBasisFinclStmtInd

Field	Value	IRS element (for citing)
Audit Committee	Yes (1)	AuditCommitteeInd
Federal Grant Audit Required	Yes (1)	FederalGrantAuditRequiredInd
Federal Grant Audit Performed	Yes (1)	FederalGrantAuditPerformedInd

Schedule A IRS990ScheduleA

Field	Value	IRS element (for citing)
Public Organization170	Yes (X)	PublicOrganization170Ind

Gifts Grants Contri Rcvd170 GiftsGrantsContriRcvd170Grp

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	$9,538,418	CurrentTaxYearMinus4YearsAmt
Current Tax Year Minus3 Years	$6,171,407	CurrentTaxYearMinus3YearsAmt
Current Tax Year Minus2 Years	$7,756,898	CurrentTaxYearMinus2YearsAmt
Current Tax Year Minus1 Year	$4,882,541	CurrentTaxYearMinus1YearAmt
Current Tax Year	$4,881,676	CurrentTaxYearAmt
Total	$33,230,940	TotalAmt

Total Calendar Year170 TotalCalendarYear170Grp

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	$9,538,418	CurrentTaxYearMinus4YearsAmt
Current Tax Year Minus3 Years	$6,171,407	CurrentTaxYearMinus3YearsAmt
Current Tax Year Minus2 Years	$7,756,898	CurrentTaxYearMinus2YearsAmt
Current Tax Year Minus1 Year	$4,882,541	CurrentTaxYearMinus1YearAmt
Current Tax Year	$4,881,676	CurrentTaxYearAmt
Total	$33,230,940	TotalAmt

Field	Value	IRS element (for citing)
Public Support Total170	$33,230,940	PublicSupportTotal170Amt
Total Support	$33,230,940	TotalSupportAmt
Gross Receipts Rltd Activities	$11,798,778	GrossReceiptsRltdActivitiesAmt
Public Support CY170	1.00000	PublicSupportCY170Pct
Public Support PY170	1.00000	PublicSupportPY170Pct
Thirty Thr Pct Suprt Tests CY170	Yes (X)	ThirtyThrPctSuprtTestsCY170Ind

Schedule B IRS990ScheduleB

Contributor Information ContributorInformationGrp

Field	Value	IRS element (for citing)
Contributor	RESTRICTED	ContributorNum

Contributor Business Name ContributorBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	RESTRICTED	BusinessNameLine1

Contributor US Address ContributorUSAddress

Field	Value	IRS element (for citing)
Address Line1	RESTRICTED	AddressLine1
Address Line2	RESTRICTED	AddressLine2
City	RESTRICTED	City
State	RESTRICTED	State
ZIP Code	RESTRICTED	ZIPCode

Field	Value	IRS element (for citing)
Total Contributions	RESTRICTED	TotalContributionsAmt

Schedule D IRS990ScheduleD

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,812,233	OtherCostOrOtherBasisAmt
Depreciation	$261,604	DepreciationAmt
Book Value	$1,550,629	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Book Value	$0	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$221,546	OtherCostOrOtherBasisAmt
Depreciation	$162,084	DepreciationAmt
Book Value	$59,462	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$1,610,091	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (3 entries)

DescDesc	AmtAmt
LINES OF CREDIT	$4,000,000
MANAGED FUNDS	$106,484
NET UNAMORTIZED LOAN FEES	$225,524

Field	Value	IRS element (for citing)
Total Liability	$4,332,008	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$8,034,799	TotalRevEtcAuditedFinclStmtAmt
Revenue Not Reported	$0	RevenueNotReportedAmt
Revenue Subtotal	$8,034,799	RevenueSubtotalAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$8,034,799	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$5,944,070	TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$5,944,070	ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$5,944,070	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART X, LINE 2:	FormAndLineReferenceDesc
Explanation	MANAGEMENT PERFORMS AN EVALUATION OF ALL INCOME TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN THE COURSE OF PREPARING THE CORPORATION'S INCOME TAX RETURNS TO DETERMINE WHETHER THE INCOME TAX POSITIONS MEET A "MORE LIKELY THAN NOT" STANDARD OF BEING SUSTAINED UNDER EXAMINATION BY THE APPLICABLE TAXING AUTHORITIES. MANAGEMENT HAS PERFORMED ITS EVALUATION OF ALL INCOME TAX POSITIONS TAKEN ON ALL OPEN INCOME TAX RETURNS AND HAS DETERMINED THAT THERE WERE NO POSITIONS TAKEN THAT DO NOT MEET THE "MORE LIKELY THAN NOT" STANDARD. ACCORDINGLY, THERE ARE NO PROVISIONS FOR INCOME TAXES, PENALTIES OR INTEREST RECEIVABLE OR PAYABLE RELATING TO UNCERTAIN INCOME TAX POSITIONS.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Compensation Committee	Yes (X)	CompensationCommitteeInd
Form990 Of Other Organizations	Yes (X)	Form990OfOtherOrganizationsInd
Compensation Survey	Yes (X)	CompensationSurveyInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	0	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd
Comp Based On Revenue Of Flng Org	0	CompBasedOnRevenueOfFlngOrgInd
Comp Bsd On Rev Related Orgs	0	CompBsdOnRevRelatedOrgsInd
Comp Bsd Net Earns Flng Org	0	CompBsdNetEarnsFlngOrgInd
Comp Bsd Net Earns Rltd Orgs	0	CompBsdNetEarnsRltdOrgsInd
Any Non Fixed Payments	0	AnyNonFixedPaymentsInd
Initial Contract Exception	0	InitialContractExceptionInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (4 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Bonus Related OrganizationsBonusRelatedOrganizationsAmt	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt	Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt	Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
CLINT GWIN
PRESIDENT	$212,534	$0	$0	$0	$0	$0	$8,466	$0	$0	$0	$221,000	$0	$0	$0
HANK HELTON
SENIOR VICE PRESIDENT	$165,122	$0	$0	$0	$0	$0	$5,030	$0	$0	$0	$170,152	$0	$0	$0
AMY BUNTON
SENIOR VICE PRESIDENT	$176,661	$0	$0	$0	$0	$0	$4,017	$0	$0	$0	$180,678	$0	$0	$0
BARBARA HARRIS
CFO	$152,564	$0	$0	$0	$0	$0	$6,203	$0	$0	$0	$158,767	$0	$0	$0

Schedule L IRS990ScheduleL

Bus Tr Involve Interested Prsn BusTrInvolveInterestedPrsnGrp (4 entries)

Relationship DescriptionRelationshipDescriptionTxt	TransactionTransactionAmt	TransactionTransactionDesc	Sharing Of RevenuesSharingOfRevenuesInd
HUGH QUEENER
DIRECTOR OF THE ORGANIZATION	$135,125	INTEREST PAYMENTS TO BANK: MR. QUEENER WORKS FOR PINNACLE BANK AND WAS INVOLVED WITH THE LOAN ON THE BUILDING AND INVESTMENTS IN TNROF, KCTJF AND TN-EELP. THE TRANSACTIONS DURING THE YEAR INVOLVED INTEREST PAYMENTS MADE TO THE BANK UNDER THE NORMAL COURSE OF BUSINESS; NO PERSONAL GAIN OR PAYMENTS WERE MADE TO MR. QUEENER.	0
SAM HOWARD
DIRECTOR OF THE ORGANIZATION	$10,860	LOAN TO COMPANY PARTLY OWNED: MR. HOWARD IS A MAJORITY OWNER OF MAMA TURNEY'S, A CLIENT COMPANY OF SOUTHEAST COMMUNITY CAPITAL. THE RELATIONSHIP IS FULLY DISCLOSED, AND MR. HOWARD DOES NOT PARTICIPATE AS A BOARD MEMBER IN ANY ACTIONS INVOLVING THIS CLIENT. THE LOAN WITH MAMA TURNEY'S ORIGINATED PRIOR TO MR. HOWARD JOINING THE BOARD OF SOUTHEAST COMMUNITY CAPITAL.	0
HUGH QUEENER
DIRECTOR OF THE ORGANIZATION	$51,244	BANK ACCOUNTS HELD AT BANK: MR. QUEENER WORKS FOR PINNACLE BANK WHERE SOUTHEAST COMMUNITY CAPITAL MAINTAINS INTEREST BEARING ACCOUNTS AND RECEIVED INTEREST IN THE NORMAL COURSE OF DOING BUSINESS.	0
SAM HOWARD
DIRECTOR OF THE ORGANIZATION	$2,795	LOAN TO COMPANY PARTLY OWNED: MR. HOWARD HAS A 2% OWNERSHIP IN ARMOR CONCEPT, LLC, A CLIENT COMPANY OF SOUTHEAST COMMUNITY CAPITAL. THE RELATIONSHIP IS FULLY DISCLOSED, AND MR. HOWARD DOES NOT PARTICIPATE AS A BOARD MEMBER IN ANY ACTIONS INVOLVING THIS CLIENT.	0

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (5 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION B, LINE 11	THE PRESIDENT AND CFO REVIEW THE 990 BEFORE IT IS FILED WITH THE IRS. THEY COMPARE EACH LINE ITEM TO THE PRIOR YEAR FORM 990 AS WELL AS COMPARABLE FORM 990S FOR OTHER NOT-FOR-PROFIT ENTITIES. THE CURRENT YEAR FORM IS ALSO RECONCILED TO THE CURRENT YEAR FINANCIAL STATEMENTS. THE FORM 990 IS PRESENTED TO ALL BOARD MEMBERS BEFORE IT IS FILED FOR THEIR REVIEW.
FORM 990, PART VI, SECTION B, LINE 12C	ALL NEW EMPLOYEES ARE GIVEN AND REQUIRED TO SIGN AN EMPLOYEE HANDBOOK UPON HIRING. IT ADDRESSES A CODE OF CONDUCT INCLUDING A CONFLICT OF INTEREST STATEMENT AND A WHISTLEBLOWER POLICY. EACH EMPLOYEE IS ALSO REQUIRED TO SIGN ANNUALLY A STATEMENT THAT THEY HAVE NO CONFLICTS OF INTEREST.
FORM 990, PART VI, SECTION B, LINE 15	SCC HAS A COMPENSATION COMMITTEE THAT MEETS AS NEEDED TO SET THE SALARIES OF THE PRESIDENT, SENIOR VICE PRESIDENTS, AND THE CHIEF FINANCIAL OFFICER. THE PRESIDENT WAS GIVEN DISCRETIONARY POWERS TO SET THE SALARIES OF ALL OTHER PERSONNEL AND TO GIVE THE BOARD AN OVERVIEW OF THOSE DECISIONS. THE PRESIDENT WAS ALSO GIVEN THE AUTHORITY TO INCREASE SALARIES WITHIN SET PARAMETERS FOR THE SVP AND CFO. ALL SALARIES ARE DISCLOSED TO THE COMMITTEE. A COMPENSATION POLICY WAS PUT INTO EFFECT ON 01/16/2008 IN ORDER TO COMPLY WITH INTERNAL REVENUE CODE SECTION 4958. WHEN THE SALARIES ARE PUT IN PLACE FOR ALL EMPLOYEES, A COMPARISON WITH OTHER SIMILAR ORGANIZATONS IS MADE AND REVIEWED BY THE COMMITTEE. THE SALARIES ARE COMPILED FROM TAX RETURNS OF OTHER 990 ORGANIZATIONS THAT ARE PUBLISHED WITH GUIDESTAR. SALARY INQUIRIES OF SIMILAR JOBS ARE REVIEWED ON CAREERBUILDER AND SALARY.COM AND OTHER FORMAL SALARY SURVEYS.
FORM 990, PART VI, SECTION C, LINE 19	SCC MAINTAINS A WEBSITE AT WWW.PATHWAYLENDING.ORG WHERE THE PUBLIC IS GIVEN A CONTACT NAME FOR FURTHER INFORMATION REGARDING AVAILABILITY OF DISCLOSURES. THE 990 IS ALSO AVAILABLE ON THE GUIDESTAR WEBSITE.
FORM 990, PART XII, LINE 2C:	THE ORGANIZATION HAS NOT CHANGED ITS OVERSIGHT PROCESS OR ITS PROCESS RELATED TO THE SELECTION OF AN INDEPENDENT ACCOUNTANT DURING THE TAX YEAR.