SOUTHEAST COMMUNITY CAPITAL CORPORATION: Form 990, tax year 2013

View the entire original 990 at ProPublica ↗

Organization: SOUTHEAST COMMUNITY CAPITAL CORPORATION (EIN 62-1823596)
Tax period: 2013-01-01 to 2013-12-31
Filed: 2014-05-14
IRS object ID: 201411349349306316
Schema version: 2013v3.0
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	2014-05-14T15:25:10-05:00	ReturnTs
Tax Period End	2013-12-31	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	BusinessNameLine1

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	555 GREAT CIRCLE ROAD	AddressLine1
City	NASHVILLE	City
State	TN	State
ZIP Code	37228	ZIPCode

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2013-01-01	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	BusinessNameLine1
Business Name Line2	D/B/A PATHWAY LENDING	BusinessNameLine2

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	AddressLine1
City	NASHVILLE	City
State	TN	State
ZIP Code	37228	ZIPCode

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	CLINT GWIN	PersonNm
Person Title	PRESIDENT	PersonTitleTxt
Phone	6152546113	PhoneNum
Signature	2014-05-14	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	KEVIN DOSTALER	PreparerPersonNm
PTIN	P01269951	PTIN
Phone	6152427351	PhoneNum
Preparation	2014-05-13	PreparationDt

Field	Value	IRS element (for citing)
Tax	2013	TaxYr
Build TS	2015-11-30 17:44:51Z	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	AddressLine1
City	NASHVILLE	City
State	TN	State
ZIP Code	37228	ZIPCode

Field	Value	IRS element (for citing)
Gross Receipts	$7,723,961	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	28	TotalEmployeeCnt
Total Volunteers	0	TotalVolunteersCnt
Total Gross UBI	$0	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$7,756,898	PYContributionsGrantsAmt
CY Contributions Grants	$4,882,541	CYContributionsGrantsAmt
PY Program Service Revenue	$2,118,846	PYProgramServiceRevenueAmt
CY Program Service Revenue	$2,728,846	CYProgramServiceRevenueAmt
PY Investment Income	$224,526	PYInvestmentIncomeAmt
CY Investment Income	$107,574	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$5,000	CYOtherRevenueAmt
PY Total Revenue	$10,100,270	PYTotalRevenueAmt
CY Total Revenue	$7,723,961	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	$2,259,808	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$2,437,770	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$2,346,029	PYOtherExpensesAmt
CY Other Expenses	$2,967,568	CYOtherExpensesAmt
PY Total Expenses	$4,605,837	PYTotalExpensesAmt
CY Total Expenses	$5,405,338	CYTotalExpensesAmt
PY Revenues Less Expenses	$5,494,433	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$2,318,623	CYRevenuesLessExpensesAmt
Total Assets BOY	$61,494,398	TotalAssetsBOYAmt
Total Assets EOY	$69,480,304	TotalAssetsEOYAmt
Total Liabilities BOY	$43,592,957	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$49,260,240	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$17,901,441	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$20,220,064	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 64 NEW LOANS TOTALING $16,927,381, OF WHICH 71% 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	$5,120,971	ExpenseAmt
Grant	$0	GrantAmt
Revenue	$2,841,420	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 2013, SOUTHEAST COMMUNITY CAPITAL CORPORATION MADE 64 LOANS TOTALING $16,927,381, OF WHICH $12,506,634 WERE IN COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS QUALIFIED UNDERSERVED CLIENTS. SOUTHEAST COMMUNITY CAPITAL CORPORATION ALSO PROVIDED OVER 6,000 HOURS OF TECHNICAL ASSISTANCE, INCLUDING ONE-ON-ONE COUNSELING AND GROUP TRAINING.	Desc
Total Program Service Expenses	$5,120,971	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	99	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	28	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
Rcv Fnds To Pay Prsnl Bnft Cntrct	0	RcvFndsToPayPrsnlBnftCntrctInd
Pay Premiums Prsnl Bnft Cntrct	0	PayPremiumsPrsnlBnftCntrctInd
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	BusinessNameLine1

Field	Value	IRS element (for citing)
Phone	6154257184	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	201 VENTURE CIRCLE	AddressLine1
City	NASHVILLE	City
State	TN	State
ZIP Code	37228	ZIPCode

Form990 Part VII Section A Form990PartVIISectionAGrp (17 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
BOB BALZAR
DIRECTOR	3.00	Yes (X)	$0	$0	$0
MILDRED WALTERS
DIRECTOR	3.00	Yes (X)	$0	$0	$0
CLINT GWIN
PRESIDENT	60.00		$256,528	$0	$13,798	Yes (X)
HANK HELTON
SENIOR VICE PRESIDENT	60.00		$186,253	$0	$11,708	Yes (X)
AMY BUNTON
SENIOR VICE PRESIDENT	60.00		$193,433	$0	$10,904	Yes (X)
BARBARA HARRIS
CFO	60.00		$165,987	$0	$12,499	Yes (X)
JON STURGEON
BUSINESS DEVELOPMENT MGR	40.00		$139,635	$0	$4,400		Yes (X)
JOHN BURTCHAELL JR
CHIEF CREDIT OFFICER	32.00		$114,889	$0	$10,023		Yes (X)
DANIEL WILSON
SVP OF LENDING OPERATIONS	50.00		$126,314	$0	$7,780		Yes (X)
ROBERT LANCASTER
DIRECTOR OF ADVISORY SERVICES	40.00		$102,981	$0	$9,539		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$1,286,020	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$80,651	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	8	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd
Cntrct Rcvd Greater Than100 K	0	CntrctRcvdGreaterThan100KCnt
Government Grants	$4,772,314	GovernmentGrantsAmt
All Other Contributions	$110,227	AllOtherContributionsAmt
Total Contributions	$4,882,541	TotalContributionsAmt

Program Service Revenue ProgramServiceRevenueGrp (3 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt
LOAN INTEREST	900099	$2,487,965	$2,487,965
FINANCING FEES AND CHA	900099	$127,632	$127,632
MANAGEMENT FEES	900099	$113,249	$113,249

Field	Value	IRS element (for citing)
Total Program Service Revenue	$2,728,846	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$107,574	TotalRevenueColumnAmt
Related Or Exempt Func Income	$107,574	RelatedOrExemptFuncIncomeAmt

Other Revenue Misc OtherRevenueMiscGrp

Field	Value	IRS element (for citing)
Desc	SUBSCRIPTION REVENUE	Desc
Business	900099	BusinessCd
Total Revenue Column	$5,000	TotalRevenueColumnAmt
Related Or Exempt Func Income	$5,000	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$5,000	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$7,723,961	TotalRevenueColumnAmt
Related Or Exempt Func Income	$2,841,420	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part IX	Yes (X)	InfoInScheduleOPartIXInd

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$851,110	TotalAmt
Program Services	$721,118	ProgramServicesAmt
Management And General	$129,992	ManagementAndGeneralAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$1,267,346	TotalAmt
Program Services	$1,233,751	ProgramServicesAmt
Management And General	$33,595	ManagementAndGeneralAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$24,212	TotalAmt
Program Services	$24,212	ProgramServicesAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$147,016	TotalAmt
Program Services	$146,157	ProgramServicesAmt
Management And General	$859	ManagementAndGeneralAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$148,086	TotalAmt
Program Services	$144,539	ProgramServicesAmt
Management And General	$3,547	ManagementAndGeneralAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$53,081	TotalAmt
Program Services	$52,957	ProgramServicesAmt
Management And General	$124	ManagementAndGeneralAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$255,716	TotalAmt
Program Services	$246,997	ProgramServicesAmt
Management And General	$8,719	ManagementAndGeneralAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$851,940	TotalAmt
Program Services	$828,828	ProgramServicesAmt
Management And General	$23,112	ManagementAndGeneralAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$19,022	TotalAmt
Program Services	$16,532	ProgramServicesAmt
Management And General	$2,490	ManagementAndGeneralAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$260,156	TotalAmt
Program Services	$241,714	ProgramServicesAmt
Management And General	$18,442	ManagementAndGeneralAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$97,007	TotalAmt
Program Services	$82,905	ProgramServicesAmt
Management And General	$14,102	ManagementAndGeneralAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$116,075	TotalAmt
Program Services	$110,683	ProgramServicesAmt
Management And General	$5,392	ManagementAndGeneralAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$334,652	TotalAmt
Program Services	$329,023	ProgramServicesAmt
Management And General	$5,629	ManagementAndGeneralAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$781,836	TotalAmt
Program Services	$780,102	ProgramServicesAmt
Management And General	$1,734	ManagementAndGeneralAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$67,175	TotalAmt
Program Services	$55,374	ProgramServicesAmt
Management And General	$11,801	ManagementAndGeneralAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$67,777	TotalAmt
Program Services	$54,281	ProgramServicesAmt
Management And General	$13,496	ManagementAndGeneralAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt	Program ServicesProgramServicesAmt	Management And GeneralManagementAndGeneralAmt
CROET GRANT PAYBACK	$190,636	$190,636
MISCELLANEOUS	$72,715	$72,227	$488
TELECOMMUNICATIONS	$48,840	$42,372	$6,468
DUES, LICENSES & PERMIT	$25,608	$23,037	$2,571

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	-$274,668	TotalAmt
Program Services	-$276,474	ProgramServicesAmt
Management And General	$1,806	ManagementAndGeneralAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$5,405,338	TotalAmt
Program Services	$5,120,971	ProgramServicesAmt
Management And General	$284,367	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$8,008,397	BOYAmt
EOY	$4,792,572	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$23,292,851	BOYAmt
EOY	$27,300,561	EOYAmt

Pledges And Grants Receivable PledgesAndGrantsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$10,267	BOYAmt
EOY	$31,204	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$150,909	BOYAmt
EOY	$215,298	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$28,430,926	BOYAmt
EOY	$35,496,815	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$56,106	BOYAmt
EOY	$58,017	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$1,985,872	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$403,515	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$1,528,902	BOYAmt
EOY	$1,582,357	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$16,040	BOYAmt
EOY	$3,480	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$61,494,398	BOYAmt
EOY	$69,480,304	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$618,094	BOYAmt
EOY	$538,646	EOYAmt

Deferred Revenue DeferredRevenueGrp

Field	Value	IRS element (for citing)
BOY	$7,404,388	BOYAmt
EOY	$4,566,354	EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

Field	Value	IRS element (for citing)
BOY	$13,211,067	BOYAmt
EOY	$12,752,485	EOYAmt

Unsecured Notes Loans Payable UnsecuredNotesLoansPayableGrp

Field	Value	IRS element (for citing)
BOY	$21,734,184	BOYAmt
EOY	$30,384,184	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$625,224	BOYAmt
EOY	$1,018,571	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$43,592,957	BOYAmt
EOY	$49,260,240	EOYAmt

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

Unrestricted Net Assets UnrestrictedNetAssetsGrp

Field	Value	IRS element (for citing)
BOY	$17,221,841	BOYAmt
EOY	$19,743,123	EOYAmt

Temporarily Rstr Net Assets TemporarilyRstrNetAssetsGrp

Field	Value	IRS element (for citing)
BOY	$679,600	BOYAmt
EOY	$476,941	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$17,901,441	BOYAmt
EOY	$20,220,064	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$61,494,398	BOYAmt
EOY	$69,480,304	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$2,318,623	ReconcilationRevenueExpnssAmt
Other Changes In Net Assets	$0	OtherChangesInNetAssetsAmt
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	$2,597,890	CurrentTaxYearMinus4YearsAmt
Current Tax Year Minus3 Years	$9,538,418	CurrentTaxYearMinus3YearsAmt
Current Tax Year Minus2 Years	$6,171,407	CurrentTaxYearMinus2YearsAmt
Current Tax Year Minus1 Year	$7,756,898	CurrentTaxYearMinus1YearAmt
Current Tax Year	$4,882,541	CurrentTaxYearAmt
Total	$30,947,154	TotalAmt

Govt Furn Srvc Fclts Vl170 GovtFurnSrvcFcltsVl170Grp

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	$4,000	CurrentTaxYearMinus4YearsAmt
Total	$4,000	TotalAmt

Total Calendar Year170 TotalCalendarYear170Grp

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	$2,601,890	CurrentTaxYearMinus4YearsAmt
Current Tax Year Minus3 Years	$9,538,418	CurrentTaxYearMinus3YearsAmt
Current Tax Year Minus2 Years	$6,171,407	CurrentTaxYearMinus2YearsAmt
Current Tax Year Minus1 Year	$7,756,898	CurrentTaxYearMinus1YearAmt
Current Tax Year	$4,882,541	CurrentTaxYearAmt
Total	$30,951,154	TotalAmt

Field	Value	IRS element (for citing)
Public Support Total170	$30,951,154	PublicSupportTotal170Amt
Total Support	$30,951,154	TotalSupportAmt
Gross Receipts Rltd Activities	$9,925,641	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	$1,763,208	OtherCostOrOtherBasisAmt
Depreciation	$214,212	DepreciationAmt
Book Value	$1,548,996	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,521	OtherCostOrOtherBasisAmt
Depreciation	$1,521	DepreciationAmt
Book Value	$0	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$221,143	OtherCostOrOtherBasisAmt
Depreciation	$187,782	DepreciationAmt
Book Value	$33,361	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$1,582,357	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (3 entries)

DescDesc	AmtAmt
LINES OF CREDIT	$700,000
MANAGED FUNDS	$106,484
NET UNAMORTIZED LOAN FEES	$212,087

Field	Value	IRS element (for citing)
Total Liability	$1,018,571	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$7,533,325	TotalRevEtcAuditedFinclStmtAmt
Revenue Not Reported	$0	RevenueNotReportedAmt
Revenue Subtotal	$7,533,325	RevenueSubtotalAmt
Other Revenues Not Included	$190,636	OtherRevenuesNotIncludedAmt
Revenue Not Reported Fincl Stmt	$190,636	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$7,723,961	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$5,214,702	TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$5,214,702	ExpensesSubtotalAmt
Other Expenses Not Included	$190,636	OtherExpensesNotIncludedAmt
Expenses Not Rpt Fincl Stmt	$190,636	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$5,405,338	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail (3 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
PART X, LINE 2:	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.
PART XI, LINE 4B - OTHER ADJUSTMENTS:	CROET GRANT PAYBACK 190,636.
PART XII, LINE 4B - OTHER ADJUSTMENTS:	CROET GRANT PAYBACK 190,636.

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	Yes (1)	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	$256,528	$0	$0	$0	$0	$0	$8,518	$0	$5,280	$0	$270,326	$0	$0	$0
HANK HELTON
SENIOR VICE PRESIDENT	$186,253	$0	$0	$0	$0	$0	$6,428	$0	$5,280	$0	$197,961	$0	$0	$0
AMY BUNTON
SENIOR VICE PRESIDENT	$193,433	$0	$0	$0	$0	$0	$5,624	$0	$5,280	$0	$204,337	$0	$0	$0
BARBARA HARRIS
CFO	$165,987	$0	$0	$0	$0	$0	$7,219	$0	$5,280	$0	$178,486	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 7	FormAndLineReferenceDesc
Explanation	THE ORGANIZATION PAID BONUS COMPENSATION BASED ON CERTAIN LEVELS OF ORGANIZATIONAL PERFORMANCE INCLUDING MAINTENANCE OF CDFI CERTIFICATION, COMPLIANCE WITH CDFI GOALS, AND MAINTENANCE OF EXEMPTION.	ExplanationTxt

Schedule L IRS990ScheduleL

Bus Tr Involve Interested Prsn BusTrInvolveInterestedPrsnGrp (4 entries)

Relationship DescriptionRelationshipDescriptionTxt	TransactionTransactionAmt	TransactionTransactionDesc	Sharing Of RevenuesSharingOfRevenuesInd
HUGH QUEENER
DIRECTOR OF THE ORGANIZATION	$223,618	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	$8,530	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	$81,101	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	$3,353	LOAN TO COMPANY PARTLY OWNED: MR. HOWARD SERVES ON THE BOARD OF DIRECTORS AND 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 ALSO LOOKED AT 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 IX, LINE 11G	CONSULTING: PROGRAM SERVICE EXPENSES 770,847. MANAGEMENT AND GENERAL EXPENSES 10,552. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 781,399. OTHER: PROGRAM SERVICE EXPENSES 57,981. MANAGEMENT AND GENERAL EXPENSES 12,560. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 70,541.