NEW HAMPSHIRE COMMUNITY LOAN FUND: Form 990, tax year 2012

View the entire original 990 at ProPublica ↗

Organization: NEW HAMPSHIRE COMMUNITY LOAN FUND (EIN 22-2524015)
Tax period: 2012-07-01 to 2013-06-30
Filed: 2013-11-11
IRS object ID: 201323169349301612
Schema version: 2012v2.1
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 C
Schedule D
Schedule I
Schedule M
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Timestamp	2013-11-11T08:32:55-06:00	Timestamp
Tax Period End Date	2013-06-30	TaxPeriodEndDate

Preparer Firm PreparerFirm

Field	Value	IRS element (for citing)
EIN	042571780	EIN

Preparer Firm Business Name PreparerFirmBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	ALEXANDER ARONSON FINNING & CO PC	BusinessNameLine1

Preparer Firm US Address PreparerFirmUSAddress

Field	Value	IRS element (for citing)
Address Line1	21 EAST MAIN STREET	AddressLine1
City	WESTBORO	City
State	MA	State
ZIP Code	01581	ZIPCode

Field	Value	IRS element (for citing)
Return Type	990	ReturnType
Tax Period Begin Date	2012-07-01	TaxPeriodBeginDate

Filer Filer

Field	Value	IRS element (for citing)
EIN	222524015	EIN

Name Name

Field	Value	IRS element (for citing)
Business Name Line1	NEW HAMPSHIRE COMMUNITY LOAN FUND INC	BusinessNameLine1

Field	Value	IRS element (for citing)
Name Control	NEWH	NameControl
Phone	6032246669	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	7 WALL STREET	AddressLine1
City	CONCORD	City
State	NH	State
ZIP Code	03301	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	JULIANA EADES	Name
Title	PRESIDENT	Title
Phone	6032246669	Phone
Date Signed	2013-11-01	DateSigned
Authorize Third Party	1	AuthorizeThirdParty

Preparer Preparer

Field	Value	IRS element (for citing)
Name	THOMAS WASHBURN CPA	Name
PTIN	P00537319	PTIN
Phone	5083669100	Phone
Date Prepared	2013-10-25	DatePrepared

Field	Value	IRS element (for citing)
Tax Year	2012	TaxYear
Build TS	2016-02-24 21:20:13Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Name Of Principal Officer Person	JULIANA EADES	NameOfPrincipalOfficerPerson

Address Principal Officer US AddressPrincipalOfficerUS

Field	Value	IRS element (for citing)
Address Line1	7 WALL STREET	AddressLine1
City	CONCORD	City
State	NH	State
ZIP Code	03301	ZIPCode

Field	Value	IRS element (for citing)
Gross Receipts	10720834	GrossReceipts
Group Return For Affiliates	0	GroupReturnForAffiliates
Organization501c3	X	Organization501c3
Web Site	WWW.COMMUNITYLOANFUND.ORG	WebSite
Type Of Organization Corporation	X	TypeOfOrganizationCorporation
Year Formation	1983	YearFormation
State Legal Domicile	NH	StateLegalDomicile
Activity Or Mission Description	TO SERVE AS A CATALYST, LEVERAGING FINANCIAL, HUMAN AND CIVIC RESOURCES TO ENABLE TRADITIONALLY UNDERSERVED PEOPLE TO ATTAIN AFFORDABLE HOUSING, QUALITY JOBS AND CHILD CARE, AND BECOME FINANCIALLY INDEPENDENT. WE DO THIS BY PROVIDING LOANS, CAPITAL AND TECHNICAL ASSISTANCE; COMPLEMENTING AND EXTENDING THE REACH OF CONVENTIONAL LENDERS AND PUBLIC INSTITUTIONS; AND BRINGING PEOPLE AND INSTITUTIONS TOGETHER TO SOLVE PROBLEMS.	ActivityOrMissionDescription
Nbr Voting Members Governing Body	14	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	13	NbrIndependentVotingMembers
Total Nbr Employees	58	TotalNbrEmployees
Total Nbr Volunteers	33	TotalNbrVolunteers
Total Gross UBI	0	TotalGrossUBI
Net Unrelated Business Txbl Income	0	NetUnrelatedBusinessTxblIncome
Contributions Grants Prior Year	4203462	ContributionsGrantsPriorYear
Contributions Grants Current Year	4680786	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	4813074	ProgramServiceRevenuePriorYear
Program Service Revenue CY	5185291	ProgramServiceRevenueCY
Investment Income Prior Year	134314	InvestmentIncomePriorYear
Investment Income Current Year	71473	InvestmentIncomeCurrentYear
Other Revenue Prior Year	0	OtherRevenuePriorYear
Other Revenue Current Year	508866	OtherRevenueCurrentYear
Total Revenue Prior Year	9150850	TotalRevenuePriorYear
Total Revenue Current Year	10446416	TotalRevenueCurrentYear
Grants And Similar Amnts Prior Year	1757352	GrantsAndSimilarAmntsPriorYear
Grants And Similar Amnts CY	2119978	GrantsAndSimilarAmntsCY
Benefits Paid To Members Prior Year	0	BenefitsPaidToMembersPriorYear
Benefits Paid To Members CY	0	BenefitsPaidToMembersCY
Salaries Etc Prior Year	3746768	SalariesEtcPriorYear
Salaries Etc Current Year	3918190	SalariesEtcCurrentYear
Total Prof Fundrsng Exp Prior Year	0	TotalProfFundrsngExpPriorYear
Total Prof Fundrsng Exp CY	0	TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year	157680	TotalFundrsngExpCurrentYear
Other Expense Prior Year	4372298	OtherExpensePriorYear
Other Expenses Current Year	3475942	OtherExpensesCurrentYear
Total Expenses Prior Year	9876418	TotalExpensesPriorYear
Total Expenses Current Year	9514110	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	-725568	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	932306	RevenuesLessExpensesCY
Total Assets BOY	83468454	TotalAssetsBOY
Total Assets EOY	87926503	TotalAssetsEOY
Total Liabilities BOY	63794046	TotalLiabilitiesBOY
Total Liabilities EOY	67575165	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	19674408	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	20351338	NetAssetsOrFundBalancesEOY
Info In Schedule O Part III	X	InfoInScheduleOPartIII
Mission Description	TO SERVE AS A CATALYST, LEVERAGING FINANCIAL, HUMAN AND CIVIC RESOURCES TO ENABLE TRADITIONALLY UNDERSERVED PEOPLE TO ATTAIN AFFORDABLE HOUSING, QUALITY JOBS AND CHILD CARE, AND BECOME FINANCIALLY INDEPENDENT. WE DO THIS BY PROVIDING LOANS, CAPITAL AND TECHNICAL ASSISTANCE; COMPLEMENTING AND EXTENDING THE REACH OF CONVENTIONAL LENDERS AND PUBLIC INSTITUTIONS; AND BRINGING PEOPLE AND INSTITUTIONS TOGETHER TO SOLVE PROBLEMS.ESTABLISHED IN 1983, THE COMMUNITY LOAN FUND WAS ONE OF THE FIRST COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS IN THE NATION, AND IS RECOGNIZED AS A NATIONAL LEADER FOR ITS INNOVATION, SOCIAL IMPACT, FINANCIAL STRENGTH AND PERFORMANCE. THE COMMUNITY LOAN FUND WAS THE 2009 RECIPIENT OF THE NEXT AWARD FOR OPPORTUNITY FINANCE, THE HIGHEST HONOR IN OUR FIELD.	MissionDescription
Significant New Program Services	0	SignificantNewProgramServices
Significant Change	0	SignificantChange
Expense	5219195	Expense
Grants	2104595	Grants
Revenue	5191460	Revenue
Description	AFFORDABLE HOUSING - SEE SCHEDULE O	Description

Activity2 Activity2

Field	Value	IRS element (for citing)
Expense	2476888	Expense
Grants	0	Grants
Revenue	0	Revenue
Description	CAPITALIZATION AND PHILANTHROPY - SEE SCHEDULE O	Description

Activity3 Activity3

Field	Value	IRS element (for citing)
Expense	725544	Expense
Grants	0	Grants
Revenue	418027	Revenue
Description	ECONOMIC OPPORTUNITY - SEE SCHEDULE O	Description

Activity Other ActivityOther

Field	Value	IRS element (for citing)
Expense	158788	Expense
Grants	15383	Grants
Revenue	312737	Revenue
Description	SINCE 1984, OUR COMMUNITY FACILITIES FINANCING HAS SUPPORTED ESSENTIAL SERVICES, WITH A SPECIAL FOCUS ON NONPROFIT AND HOME-BASED CHILD DEVELOPMENT SERVICES, BY HELPING NONPROFIT ORGANIZATIONS BUY, RENOVATE, OR BUILD FACILITIES.IN FISCAL YEAR 13, THE COMMUNITY LOAN FUND MADE TWO COMMUNITY FACILITIES LOANS TOTALING $103,000, SUPPORTING 36 JOBS AND CREATING OR PRESERVING 203 CHILD CARE SPACES AND MORE THAN 15,000 SQUARE FEET OF SPACE.ONE LOAN WAS TO THE KINGSTON CHILDREN'S CENTER, WHICH HAS PROVIDED FOR 41 YEARS FOR THE EARLY EDUCATION NEEDS OF ITS COMMUNITY, REGARDLESS OF CHILDREN'S ABILITIES AND FAMILIES' INCOME AND NON-TRADITIONAL SCHEDULES. ALMOST ALL OF ITS CHILDREN ARE FROM WORKING FAMILIES, FOR WHOM PRESCHOOL EDUCATION AND CHILD CARE ARE ESSENTIAL. WHEN THE CHILDREN'S CENTER BADLY NEEDED TO INSULATE AND RESHINGLE ITS 130-YEAR-OLD WALLS, A HANDFUL OF LOCAL BUSINESSES CONTRIBUTED CASH AND VOLUNTEERS. THE COMMUNITY LOAN FUND FOUND AN ENERGY-EFFICIENCY GRANT AND MADE A LOAN TO COMPLETE THE PROJECT.THE WORK WAS FINISHED IN LATE WINTER AND ITS BENEFITS WERE FELT IMMEDIATELY. PREVIOUSLY DRAFTY ROOMS WERE WARM AND COMFORTABLE. THE OIL FURNACE AND THE AIR CONDITIONING DON'T COME ON NEARLY AS OFTEN A BIG FACTOR IN KEEPING TUITION AFFORDABLE.	Description

Field	Value	IRS element (for citing)
Total Of Other Program Service Exp	158788	TotalOfOtherProgramServiceExp
Total Of Other Program Service Grnt	15383	TotalOfOtherProgramServiceGrnt
Total Of Other Program Service Rev	312737	TotalOfOtherProgramServiceRev
Total Program Service Expense	8580415	TotalProgramServiceExpense
Described In501 C3	1	DescribedIn501C3
Schedule B Required	1	ScheduleBRequired
Political Activities	0	PoliticalActivities
Lobbying Activities	1	LobbyingActivities
Subject To Proxy Tax	0	SubjectToProxyTax
Donor Advised Funds	0	DonorAdvisedFunds
Conservation Easements	0	ConservationEasements
Collections Of Art	0	CollectionsOfArt
Credit Counseling	0	CreditCounseling
Term Or Permanent Endowments	0	TermOrPermanentEndowments
Report Land Bldg Equip	1	ReportLandBldgEquip
Report Invest Oth Securities	0	ReportInvestOthSecurities
Report Prog Rel Invest	1	ReportProgRelInvest
Report Other Assets	0	ReportOtherAssets
Report Other Liabilities	1	ReportOtherLiabilities
Report Fin48 Footnote	1	ReportFin48Footnote
Independent Audit Financial Stmt	1	IndependentAuditFinancialStmt
Consolidated Audit Financial Stmt	0	ConsolidatedAuditFinancialStmt
School	0	School
Foreign Office	0	ForeignOffice
Foreign Activities	0	ForeignActivities
More Than5000 K To Organizations	0	MoreThan5000KToOrganizations
More Than5000 K To Individuals	0	MoreThan5000KToIndividuals
Professional Fundraising	0	ProfessionalFundraising
Fundraising Activities	0	FundraisingActivities
Gaming	0	Gaming
Hospital	0	Hospital
Grants To Organizations	1	GrantsToOrganizations
Grants To Individuals	1	GrantsToIndividuals
Schedule J Required	0	ScheduleJRequired
Tax Exempt Bonds	0	TaxExemptBonds
Excess Benefit Transaction	0	ExcessBenefitTransaction
Prior Excess Benefit Transaction	0	PriorExcessBenefitTransaction
Loan To Officer Or DQP	0	LoanToOfficerOrDQP
Grant To Related Person	0	GrantToRelatedPerson
Bsnss Rltnshp With Organization	0	BsnssRltnshpWithOrganization
Bsnss Rltnshp Thru Family Member	0	BsnssRltnshpThruFamilyMember
Officer Entity With Bsnss Rltnshp	0	OfficerEntityWithBsnssRltnshp
Deductible Non Cash Contributions	1	DeductibleNonCashContributions
Deductible Contributions Of Art	0	DeductibleContributionsOfArt
Terminated	0	Terminated
Partial Liquidation	0	PartialLiquidation
Disregarded Entity	0	DisregardedEntity
Related Entity	0	RelatedEntity
Related Org Controlled Entity	0	RelatedOrgControlledEntity
Transfers To Exempt Non Chrtbl Org	0	TransfersToExemptNonChrtblOrg
Activities Conducted Partnership	0	ActivitiesConductedPartnership
Schedule O Required	1	ScheduleORequired
Number Forms Transmitted With1096	388	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Compliance With Backup Witholding	1	ComplianceWithBackupWitholding
Number Of Employees	58	NumberOfEmployees
Employment Tax Returns Filed	1	EmploymentTaxReturnsFiled
Unrelated Business Income	0	UnrelatedBusinessIncome
Foreign Financial Account	0	ForeignFinancialAccount
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTrans
Taxable Party Notification	0	TaxablePartyNotification
Non Deductible Contributions	0	NonDeductibleContributions
Quid Pro Quo Contributions	0	QuidProQuoContributions
Form8282 Property Disposed Of	0	Form8282PropertyDisposedOf
Funds To Pay Premiums	0	FundsToPayPremiums
Premiums Paid	0	PremiumsPaid
Indoor Tanning Services	0	IndoorTanningServices
Info In Schedule O Part VI	X	InfoInScheduleOPartVI
Nbr Voting Governing Body Members	14	NbrVotingGoverningBodyMembers
Number Independent Voting Members	13	NumberIndependentVotingMembers
Family Or Business Relationship	0	FamilyOrBusinessRelationship
Delegation Of Management Duties	0	DelegationOfManagementDuties
Changes To Organizing Docs	0	ChangesToOrganizingDocs
Material Diversion Or Misuse	0	MaterialDiversionOrMisuse
Members Or Stockholders	0	MembersOrStockholders
Election Of Board Members	0	ElectionOfBoardMembers
Decisions Subject To Approval	0	DecisionsSubjectToApproval
Minutes Of Governing Body	1	MinutesOfGoverningBody
Minutes Of Committees	1	MinutesOfCommittees
Officer Mailing Address	0	OfficerMailingAddress
Local Chapters	0	LocalChapters
Form990 Provided To Governing Body	1	Form990ProvidedToGoverningBody
Conflict Of Interest Policy	1	ConflictOfInterestPolicy
Annual Disclosure Covered Persons	1	AnnualDisclosureCoveredPersons
Regular Monitoring Enforcement	1	RegularMonitoringEnforcement
Whistleblower Policy	1	WhistleblowerPolicy
Document Retention Policy	1	DocumentRetentionPolicy
Compensation Process CEO	1	CompensationProcessCEO
Compensation Process Other	1	CompensationProcessOther
Investment In Joint Venture	0	InvestmentInJointVenture
States Where Copy Of Return Is Filed	NH	StatesWhereCopyOfReturnIsFiled
Own Website	X	OwnWebsite
Other Website	X	OtherWebsite
Upon Request	X	UponRequest

The Books Are In Care Of TheBooksAreInCareOf

Name Business NameBusiness

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

Field	Value	IRS element (for citing)
Telephone Number	6032246669	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	7 WALL STREET	AddressLine1
City	CONCORD	City
State	NH	State
ZIP Code	03301	ZIPCode

Form990 Part VII Section A Form990PartVIISectionA (17 entries)

TitleTitle	Average Hours Per WeekAverageHoursPerWeek	Individual Trustee Or DirectorIndividualTrusteeOrDirector	OfficerOfficer	Reportable Comp From OrganizationReportableCompFromOrganization	Reportable Comp From Related OrgsReportableCompFromRelatedOrgs	Other CompensationOtherCompensation
DEBORAH BUTLER
VICE TREASURER	1.00	X	X	0	0	0
JOHN FLANDERS
FORMER DIRECTOR	1.00	X		0	0	0
RAY GIROUX
VICE SECRETARY	1.00	X	X	0	0	0
CHRISTINA HILL
DIRECTOR	1.00	X		0	0	0
LAURA JAMISON
DIRECTOR	1.00	X		0	0	0
SARA VARELA
DIRECTOR	1.00	X		0	0	0
DEBORAH MILLER
FORMER VICE CHAIR	1.00	X	X	0	0	0
LOIS PARRIS
SECRETARY	1.00	X	X	0	0	0
PAULA ROGERS
CHAIR	1.00	X	X	0	0	0
RANDY ROODY
TREASURER	1.00	X	X	0	0	0
MICHAEL SWACK
EMERITUS	1.00	X		0	0	0
EDWARD TOMEY
VICE CHAIR	1.00	X		0	0	0
JULIANA EADES
PRESIDENT	40.00	X	X	115988	0	18821
TOM BUNNELL
DIRECTOR	1.00	X		0	0	0
DAN MULLER
DIRECTOR	1.00	X		0	0	0
PAUL SPANG
DIRECTOR	1.00	X		0	0	0
BONNIE SCADOVA
CHIEF FINANCIAL OFFICER	40.00		X	95134	0	17087

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	211122	TotalReportableCompFromOrg
Total Reportable Comp Frm Rltd Orgs	0	TotalReportableCompFrmRltdOrgs
Total Other Compensation	35908	TotalOtherCompensation
Number Individuals GT100 K	1	NumberIndividualsGT100K
Formers Listed	0	FormersListed
Total Comp GT150 K	0	TotalCompGT150K
Compensation From Other Sources	0	CompensationFromOtherSources
Number Of Contractors GT100 K	0	NumberOfContractorsGT100K
Government Grants	3166042	GovernmentGrants
All Other Contributions	1514744	AllOtherContributions
Noncash Contributions	542389	NoncashContributions
Total Contributions	4680786	TotalContributions

Program Service Revenue ProgramServiceRevenue (3 entries)

DescriptionDescription	Business CodeBusinessCode	Total Revenue ColumnTotalRevenueColumn	Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome
INTEREST FROM LOANS	531390	4918362	4918362
TRAINING, LOAN AND OTHER FEE	531390	166753	166753
RENTAL INCOME	531120	100176	100176

Field	Value	IRS element (for citing)
Total Program Service Revenue	5185291	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	142090	TotalRevenueColumn
Exclusion	$142,090	ExclusionAmount

Gross Amount Sales Assets GrossAmountSalesAssets

Field	Value	IRS element (for citing)
Other	203801	Other

Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses

Field	Value	IRS element (for citing)
Other	274418	Other

Gain Or Loss GainOrLoss

Field	Value	IRS element (for citing)
Other	-70617	Other

Net Gain Or Loss Investments NetGainOrLossInvestments

Field	Value	IRS element (for citing)
Total Revenue Column	-70617	TotalRevenueColumn
Related Or Exempt Function Income	-70617	RelatedOrExemptFunctionIncome

Other Revenue Misc OtherRevenueMisc

Field	Value	IRS element (for citing)
Description	LOAN LOSS RECOVERY	Description
Business Code	900099	BusinessCode
Total Revenue Column	508866	TotalRevenueColumn
Related Or Exempt Function Income	508866	RelatedOrExemptFunctionIncome

Field	Value	IRS element (for citing)
Total Other Revenue	508866	TotalOtherRevenue

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	10446416	TotalRevenueColumn
Related Or Exempt Function Income	5623540	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	0	UnrelatedBusinessRevenue
Exclusion	$142,090	ExclusionAmount

Grants To Domestic Orgs GrantsToDomesticOrgs

Field	Value	IRS element (for citing)
Total	1574951	Total
Program Services	1574951	ProgramServices

Grants To Domestic Individuals GrantsToDomesticIndividuals

Field	Value	IRS element (for citing)
Total	545027	Total
Program Services	545027	ProgramServices

Comp Current Officers Directors CompCurrentOfficersDirectors

Field	Value	IRS element (for citing)
Total	254021	Total
Program Services	160733	ProgramServices
Management And General	62691	ManagementAndGeneral
Fundraising	30597	Fundraising

Other Salaries And Wages OtherSalariesAndWages

Field	Value	IRS element (for citing)
Total	2948578	Total
Program Services	2620632	ProgramServices
Management And General	237480	ManagementAndGeneral
Fundraising	90466	Fundraising

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	78321	Total
Program Services	69829	ProgramServices
Management And General	6148	ManagementAndGeneral
Fundraising	2344	Fundraising

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	375420	Total
Program Services	251124	ProgramServices
Management And General	118412	ManagementAndGeneral
Fundraising	5884	Fundraising

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	261850	Total
Program Services	227003	ProgramServices
Management And General	25270	ManagementAndGeneral
Fundraising	9577	Fundraising

Fees For Services Legal FeesForServicesLegal

Field	Value	IRS element (for citing)
Total	14119	Total
Program Services	14076	ProgramServices
Fundraising	43	Fundraising

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	48145	Total
Program Services	32097	ProgramServices
Management And General	14965	ManagementAndGeneral
Fundraising	1083	Fundraising

Fees For Services Lobbying FeesForServicesLobbying

Field	Value	IRS element (for citing)
Total	6041	Total
Program Services	6041	ProgramServices

Fees For Services Other FeesForServicesOther

Field	Value	IRS element (for citing)
Total	291785	Total
Program Services	220204	ProgramServices
Management And General	66865	ManagementAndGeneral
Fundraising	4716	Fundraising

Advertising Advertising

Field	Value	IRS element (for citing)
Total	28338	Total
Program Services	28338	ProgramServices

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	297596	Total
Program Services	251008	ProgramServices
Management And General	42818	ManagementAndGeneral
Fundraising	3770	Fundraising

Information Technology InformationTechnology

Field	Value	IRS element (for citing)
Total	67313	Total
Program Services	52879	ProgramServices
Management And General	13427	ManagementAndGeneral
Fundraising	1007	Fundraising

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	112359	Total
Program Services	57303	ProgramServices
Management And General	52809	ManagementAndGeneral
Fundraising	2247	Fundraising

Travel Travel

Field	Value	IRS element (for citing)
Total	112653	Total
Program Services	105067	ProgramServices
Management And General	7089	ManagementAndGeneral
Fundraising	497	Fundraising

Conferences Meetings ConferencesMeetings

Field	Value	IRS element (for citing)
Total	27362	Total
Program Services	22653	ProgramServices
Management And General	4655	ManagementAndGeneral
Fundraising	54	Fundraising

Interest Interest

Field	Value	IRS element (for citing)
Total	2104941	Total
Program Services	2104941	ProgramServices

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	189511	Total
Program Services	108906	ProgramServices
Management And General	77315	ManagementAndGeneral
Fundraising	3290	Fundraising

Insurance Insurance

Field	Value	IRS element (for citing)
Total	81675	Total
Program Services	42442	ProgramServices
Management And General	37632	ManagementAndGeneral
Fundraising	1601	Fundraising

Other Expenses OtherExpenses (2 entries)

DescriptionDescription	TotalTotal	Program ServicesProgramServices	Management And GeneralManagementAndGeneral	FundraisingFundraising
PROPERTY EXPENSES	55759	55759
TRAINING	38345	29402	8439	504

Total Functional Expenses TotalFunctionalExpenses

Field	Value	IRS element (for citing)
Total	9514110	Total
Program Services	8580415	ProgramServices
Management And General	776015	ManagementAndGeneral
Fundraising	157680	Fundraising

Savings And Temp Cash Investments SavingsAndTempCashInvestments

Field	Value	IRS element (for citing)
BOY	9780430	BOY
EOY	11096742	EOY

Pledges And Grants Receivable PledgesAndGrantsReceivable

Field	Value	IRS element (for citing)
BOY	930224	BOY
EOY	596966	EOY

Accounts Receivable AccountsReceivable

Field	Value	IRS element (for citing)
BOY	327358	BOY
EOY	476316	EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

Field	Value	IRS element (for citing)
BOY	26491	BOY
EOY	42019	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	5693710	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	1180592	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	4584672	BOY
EOY	4513118	EOY

Investments Pub Traded Securities InvestmentsPubTradedSecurities

Field	Value	IRS element (for citing)
BOY	7568665	BOY
EOY	6294254	EOY

Investments Program Related InvestmentsProgramRelated

Field	Value	IRS element (for citing)
BOY	60169313	BOY
EOY	64801482	EOY

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	81301	BOY
EOY	105606	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	83468454	BOY
EOY	87926503	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	1507220	BOY
EOY	1630197	EOY

Deferred Revenue DeferredRevenue

Field	Value	IRS element (for citing)
BOY	1211551	BOY
EOY	771428	EOY

Unsecured Notes Loans Payable UnsecuredNotesLoansPayable

Field	Value	IRS element (for citing)
BOY	51475275	BOY
EOY	57073540	EOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	9600000	BOY
EOY	8100000	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	63794046	BOY
EOY	67575165	EOY

Field	Value	IRS element (for citing)
Follow SFAS117	X	FollowSFAS117

Unrestricted Net Assets UnrestrictedNetAssets

Field	Value	IRS element (for citing)
BOY	7747227	BOY
EOY	8849460	EOY

Temporarily Restricted Net Assets TemporarilyRestrictedNetAssets

Field	Value	IRS element (for citing)
BOY	4234600	BOY
EOY	4048293	EOY

Permanently Restricted Net Assets PermanentlyRestrictedNetAssets

Field	Value	IRS element (for citing)
BOY	7692581	BOY
EOY	7453585	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	19674408	BOY
EOY	20351338	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	83468454	BOY
EOY	87926503	EOY

Field	Value	IRS element (for citing)
Reconcilation Revenue Expenses	932306	ReconcilationRevenueExpenses
Reconciliation Unrealized Invest	-255376	ReconciliationUnrealizedInvest
Reconcilation Other Changes	0	ReconcilationOtherChanges
Info In Schedule O Part XII	X	InfoInScheduleOPartXII
Method Of Accounting Accrual	X	MethodOfAccountingAccrual
Accountant Compile Or Review	0	AccountantCompileOrReview
FS Audited	1	FSAudited

FS Audited Basis FSAuditedBasis

Field	Value	IRS element (for citing)
Financial Statement Separate	X	FinancialStatementSeparate

Field	Value	IRS element (for citing)
Audit Committee	1	AuditCommittee
Federal Grant Audit Required	1	FederalGrantAuditRequired
Federal Grant Audit Performed	1	FederalGrantAuditPerformed

Schedule A IRS990ScheduleA

Field	Value	IRS element (for citing)
Publicly Supported Org170b1 Avi	X	PubliclySupportedOrg170b1Avi

Gifts Grants Contrib Received170 GiftsGrantsContribReceived170

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	5375662	CurrentTaxYearMinus4Years
Current Tax Year Minus3 Years	3452998	CurrentTaxYearMinus3Years
Current Tax Year Minus2 Years	7474108	CurrentTaxYearMinus2Years
Current Tax Year Minus1 Year	4203462	CurrentTaxYearMinus1Year
Current Tax Year	4680786	CurrentTaxYear
Total	25187016	Total

Total170 Total170

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	5375662	CurrentTaxYearMinus4Years
Current Tax Year Minus3 Years	3452998	CurrentTaxYearMinus3Years
Current Tax Year Minus2 Years	7474108	CurrentTaxYearMinus2Years
Current Tax Year Minus1 Year	4203462	CurrentTaxYearMinus1Year
Current Tax Year	4680786	CurrentTaxYear
Total	25187016	Total

Field	Value	IRS element (for citing)
Amounts Subst Contributors Total	2408081	AmountsSubstContributorsTotal
Public Support Total170	22778935	PublicSupportTotal170

Gross Investment Income170 GrossInvestmentIncome170

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	191293	CurrentTaxYearMinus4Years
Current Tax Year Minus3 Years	145285	CurrentTaxYearMinus3Years
Current Tax Year Minus2 Years	146943	CurrentTaxYearMinus2Years
Current Tax Year Minus1 Year	151560	CurrentTaxYearMinus1Year
Current Tax Year	142090	CurrentTaxYear
Total	777171	Total

Other Income170 OtherIncome170

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	11623	CurrentTaxYearMinus4Years
Current Tax Year Minus3 Years	1602	CurrentTaxYearMinus3Years
Current Tax Year Minus2 Years	557	CurrentTaxYearMinus2Years
Total	13782	Total

Field	Value	IRS element (for citing)
Total Support	25977969	TotalSupport
Gross Receipts From Admissions Etc	18003889	GrossReceiptsFromAdmissionsEtc
Public Support Pertcentage170	0.87690	PublicSupportPertcentage170
Public Support Pertcent Prior Year	0.87100	PublicSupportPertcentPriorYear
Thirty Three Percnt Tests CY170	X	ThirtyThreePercntTestsCY170

Schedule B IRS990ScheduleB

Contributor Info ContributorInfo

Field	Value	IRS element (for citing)
Contributor Number	RESTRICTED	ContributorNumber

Contributor Name Business ContributorNameBusiness

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

Contributor Address US ContributorAddressUS

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)
Aggregate Contributions	RESTRICTED	AggregateContributions

Schedule C IRS990ScheduleC

Total Grassroots Lobbying TotalGrassrootsLobbying

Field	Value	IRS element (for citing)
Filing Organizations Totals	932	FilingOrganizationsTotals

Total Direct Lobbying TotalDirectLobbying

Field	Value	IRS element (for citing)
Filing Organizations Totals	5109	FilingOrganizationsTotals

Total Lobbying Expenditures TotalLobbyingExpenditures

Field	Value	IRS element (for citing)
Filing Organizations Totals	6041	FilingOrganizationsTotals

Other Exempt Purpose Expenditures OtherExemptPurposeExpenditures

Field	Value	IRS element (for citing)
Filing Organizations Totals	9810934	FilingOrganizationsTotals

Total Exempt Purpose Expenditures TotalExemptPurposeExpenditures

Field	Value	IRS element (for citing)
Filing Organizations Totals	9816975	FilingOrganizationsTotals

Lobbying Nontaxable LobbyingNontaxableAmount

Field	Value	IRS element (for citing)
Filing Organizations Totals	640849	FilingOrganizationsTotals

Grassroots Nontaxable GrassrootsNontaxableAmount

Field	Value	IRS element (for citing)
Filing Organizations Totals	160212	FilingOrganizationsTotals

Tot Lobbying Grassroot Minus Non Tx TotLobbyingGrassrootMinusNonTx

Field	Value	IRS element (for citing)
Filing Organizations Totals	0	FilingOrganizationsTotals

Tot Lobby Expend Mns Lobbying Nontx TotLobbyExpendMnsLobbyingNontx

Field	Value	IRS element (for citing)
Filing Organizations Totals	0	FilingOrganizationsTotals

Lobbying Nontaxable Amount2 LobbyingNontaxableAmount2

Field	Value	IRS element (for citing)
Current Year Minus3	524733	CurrentYearMinus3
Current Year Minus2	715850	CurrentYearMinus2
Current Year Minus1	643821	CurrentYearMinus1
Current Year	640849	CurrentYear
Total	2525253	Total

Field	Value	IRS element (for citing)
Lobbying Ceiling	$3,787,880	LobbyingCeilingAmount

Total Lobbying Expenditures2 TotalLobbyingExpenditures2

Field	Value	IRS element (for citing)
Current Year Minus3	15876	CurrentYearMinus3
Current Year Minus2	9977	CurrentYearMinus2
Current Year Minus1	5563	CurrentYearMinus1
Current Year	6041	CurrentYear
Total	37457	Total

Grassroots Nontaxable Amount2 GrassrootsNontaxableAmount2

Field	Value	IRS element (for citing)
Current Year Minus3	131183	CurrentYearMinus3
Current Year Minus2	178963	CurrentYearMinus2
Current Year Minus1	160955	CurrentYearMinus1
Current Year	160212	CurrentYear
Total	631313	Total

Field	Value	IRS element (for citing)
Grassroots Ceiling	$946,970	GrassrootsCeilingAmount

Grassroots Lobbying Expenditures GrassrootsLobbyingExpenditures

Field	Value	IRS element (for citing)
Current Year Minus3	409	CurrentYearMinus3
Current Year Minus2	191	CurrentYearMinus2
Current Year Minus1	930	CurrentYearMinus1
Current Year	932	CurrentYear
Total	2462	Total

Schedule D IRS990ScheduleD

Land Land

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	321461	OtherCostOrOtherBasis
Book Value	321461	BookValue

Buildings Buildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	4709502	OtherCostOrOtherBasis
Depreciation	722754	Depreciation
Book Value	3986748	BookValue

Equipment Equipment

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	647177	OtherCostOrOtherBasis
Depreciation	457838	Depreciation
Book Value	189339	BookValue

Other Land Buildings OtherLandBuildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	15570	OtherCostOrOtherBasis
Book Value	15570	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	4513118	TotalOfBookValueLandBuildings

Investments Program Related InvestmentsProgramRelated (3 entries)

DescriptionDescription	Book ValueBookValue	Method Of ValuationMethodOfValuation
LOANS RECEIVABLE	62815425	F
ROC USA	1520592	F
OTHER PROGRAM-RELATED EQUITY INVESTMENTS	465465	F

Field	Value	IRS element (for citing)
Total Of Book Value Program Related	64801482	TotalOfBookValueProgramRelated

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
Description	EQUITY EQUIVALENTS PAYABLE	Description
Amount	$8,100,000	Amount

Field	Value	IRS element (for citing)
Total Of Amounts	8100000	TotalOfAmounts
Footnote In Part XIII	X	FootnoteInPartXIII
Tot Revenue Etc Audited Fincl Stmt	6038626	TotRevenueEtcAuditedFinclStmt
Net Unrealized Gains Investments	-255376	NetUnrealizedGainsInvestments
Donated Srvc And Use Of Facilities	72505	DonatedSrvcAndUseOfFacilities
Other Revenues	-4224919	OtherRevenues
Revenue Not Rptd F990	-4407790	RevenueNotRptdF990
Revenue Subtotal	10446416	RevenueSubtotal
Revenue Not Rptd On Fin Stmt	0	RevenueNotRptdOnFinStmt
Total Revenue Per Form990	10446416	TotalRevenuePerForm990
Tot Expenses Etc Audited Fincl Stmt	5361696	TotExpensesEtcAuditedFinclStmt
Donated Services Use Of Facilities	72505	DonatedServicesUseOfFacilities
Expenses Not Rptd F990	72505	ExpensesNotRptdF990
Expenses Subtotal	5289191	ExpensesSubtotal
Other Expenses Not Included	4224919	OtherExpensesNotIncluded
Expenses Not Rptd On Fin Stmt	4224919	ExpensesNotRptdOnFinStmt
Total Expenses Per Form990	9514110	TotalExpensesPerForm990

Form990 Schedule D Part XIII Form990ScheduleDPartXIII (3 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48:	PART X, LINE 2:	THE COMMUNITY LOAN FUND FOLLOWS THE ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES STANDARD, WHICH REQUIRES THE COMMUNITY LOAN FUND TO REPORT UNCERTAIN TAX POSITIONS, RELATED INTEREST AND PENALTIES, AND TO ADJUST ITS ASSETS AND LIABILITIES RELATED TO UNRECOGNIZED TAX BENEFITS AND ACCRUED INTEREST AND PENALTIES ACCORDINGLY. AS OF JUNE 30, 2013, THE COMMUNITY LOAN FUND DETERMINED THAT THERE ARE NO MATERIAL UNRECOGNIZED TAX BENEFITS TO REPORT. THE COMMUNITY LOAN FUND DOES NOT EXPECT THAT THE AMOUNTS OF UNRECOGNIZED TAX BENEFITS WILL CHANGE SIGNIFICANTLY WITHIN THE NEXT TWELVE MONTHS. INFORMATION RETURNS FILED FOR THE PRIOR THREE YEARS REMAIN SUBJECT TO EXAMINATION BY THE INTERNAL REVENUE SERVICE AND THE STATE OF NEW HAMPSHIRE.
PART XI, LINE 2D - OTHER ADJUSTMENTS:		INTEREST EXPENSE -2,104,941. PASS THROUGH GRANTS TO OTHERS -2,119,978.
PART XII, LINE 4B - OTHER ADJUSTMENTS:		INTEREST EXPENSE 2,104,941. PASS THROUGH GRANTS TO OTHERS 2,119,978.

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Records Maintained	1	RecordsMaintained

Recipient Table RecipientTable (2 entries)

Address Line1AddressUS/AddressLine1	Address Line2AddressUS/AddressLine2	CityAddressUS/City	StateAddressUS/State	ZIP CodeAddressUS/ZIPCode	EIN Of RecipientEINOfRecipient	IRC SectionIRCSection	Amount Of Cash GrantAmountOfCashGrant	Method Of ValuationMethodOfValuation	Purpose Of GrantPurposeOfGrant
COMMUNITY ACTION PROGRAM BELKNAP-MERRIMACK COUNTIES INC
PO BOX 1016 2 INDUSTRIAL PARK DRIVE	DRIVE	CONCORD	NH	03302	020270376	501C3	1559568	CASH	WEATHERIZATION
CHILD DEVELOPMENT COUNCIL DBA KINGSTON CHILDREN'S CENTER
12 CHURCH ST		KINGSTON	NH	03848	237173500	501C3	15383	CASH	ENERGY EFFICIENT IMPROVEMENTS

Form990 Schedule I Part III Form990ScheduleIPartIII (2 entries)

Type Of GrantTypeOfGrant	Number Of RecipientsNumberOfRecipients	Amount Of Cash GrantAmountOfCashGrant
IDA MATCHED SAVINGS GRANTS	77	368101
MANUFACTURED HOUSING INFILL GRANTS	13	176926

Form990 Schedule I Part IV Form990ScheduleIPartIV

Field	Value	IRS element (for citing)
Identifier	PROCEDURE FOR MONITORING GRANTS IN THE U.S.:	Identifier
Return Reference	PART I, LINE 2:	ReturnReference
Explanation	SCHEDULE I, PART I, LINE 2: PROGRAM MANAGERS OVERSEE GRANT PROGRAMS AND MONITOR THE USE OF FUNDS BY GRANTEES THROUGH A VARIETY OF MEANS INCLUDING PERFORMANCE REPORTS, FINANCIAL REPORTS, INVOICES, PHOTOGRAPHY AND OTHER FORMS OF SUBSTANTIATING DOCUMENTATION.	Explanation

Schedule M IRS990ScheduleM

Securities Closely Held Stock SecuritiesCloselyHeldStock

Field	Value	IRS element (for citing)
Non Cash Checkbox	X	NonCashCheckbox
Number Of Contributions	10	NumberOfContributions
Noncash Contribs Rptd F990	93522	NoncashContribsRptdF990
Method Of Determining Revenues	FAIR MARKET VALUE	MethodOfDeterminingRevenues

Other Non Cash Contributions Table OtherNonCashContributionsTable (2 entries)

Non Cash CheckboxNonCashCheckbox	DescriptionDescription	Number Of ContributionsNumberOfContributions	Noncash Contribs Rptd F990NoncashContribsRptdF990	Method Of Determining RevenuesMethodOfDeterminingRevenues
X	NON-CASH GRANTS INCENTIVE TO PAY BACK LOAN BEFORE	1	400000	FAIR MARKET VALUE
X	NON-CASH GRANTS CONVERTED FROM LOANS PAYABLE BY DO	7	48867	FAIR MARKET VALUE

Field	Value	IRS element (for citing)
Any Property That Must Be Held	0	AnyPropertyThatMustBeHeld
Review Process Unusual NC Gifts	1	ReviewProcessUnusualNCGifts
Third Parties Used	0	ThirdPartiesUsed

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (9 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
PROGRAM SERVICE STATEMENT	FORM 990, PT. III, LINE 4A	FOUR COMMUNITY LOAN FUND PROGRAMS ADDRESS NEW HAMPSHIRE'S NEED FOR HOUSING FOR WORKING FAMILIES AND FOR FAMILIES WITH LOW INCOMES. 1. ROC-NH PROVIDES LOANS, ALONG WITH EDUCATIONAL AND TECHNICAL SUPPORT, TO BUILD LONG-TERM VALUE AND SECURITY FOR RESIDENTS OF NEW HAMPSHIRE'S MANUFACTURED-HOME COMMUNITIES. SINCE 1984, ROC-NH HAS PROVIDED TECHNICAL ASSISTANCE AND FINANCING FOR COMMUNITY PURCHASE AND IMPROVEMENT TO HELP HOMEOWNERS PURCHASE, MANAGE AND IMPROVE THEIR COMMUNITIES AS COOPERATIVE CORPORATIONS. AS OF JUNE 30, 2013, 105 RESIDENT-OWNED COMMUNITIES IN NEW HAMPSHIRE WERE HOME TO 5,750 (PRIMARILY LOW-INCOME) HOUSEHOLDS. DURING FISCAL YEAR 2013, THE COMMUNITY LOAN FUND, THROUGH ROC-NH, MADE 18 LOANS TOTALING $10,067,000. IN DOING SO, IT PRESERVED 96 HOUSING UNITS AND PROVIDED 20,248 HOURS OF TECHNICAL ASSISTANCE TO RESIDENT-OWNED COMMUNITIES. IN MAY 2013, THE RESIDENTS OF SILVER FOX ESTATES IN PEMBROKE, N.H. SAW THREE YEARS OF WORK PAY OFF WHEN THEY PURCHASED THEIR 21-UNIT COMMUNITY. SILVER FOX HOMEOWNERS COOPERATIVE BECAME NEW HAMPSHIRE'S 105TH RESIDENT-OWNED MANUFACTURED-HOME COMMUNITY. USING FUNDING, EDUCATION AND TECHNICAL ASSISTANCE AND TRAINING FROM THE NEW HAMPSHIRE COMMUNITY LOAN FUND, RESIDENTS HAD ORGANIZED AND FORMED THE COOPERATIVE IN NOVEMBER 2010 IN ORDER TO CONVERT THEIR PRIVATELY OWNED PARK TO RESIDENT OWNERSHIP. THE COOPERATIVE THEN NEGOTIATED FOR THE FINAL PURCHASE PRICE OF $675,000 BEFORE FINALIZING THE DEAL WITH A MORTGAGE FROM THE COMMUNITY LOAN FUND. "NOW THE MEMBERS OF THE COMMUNITY CAN LOOK FORWARD TO MAKING THE NECESSARY UPGRADES TO HAVE A HOME OF WHICH WE CAN BE PROUD", SAID CO-OP PRESIDENT. 2. BECAUSE THEY ARE RELATIVELY AFFORDABLE AND AVAILABLE IN RURAL COMMUNITIES, MANUFACTURED HOMES ARE, FOR SOME NEW HAMPSHIRE FAMILIES, THE HOUSING OPTION OF LAST RESORT. THEY ALSO PROVIDE AN AFFORDABLE OPTION FOR ELDER COUPLES WHO ARE DOWNSIZING AND YOUNG COUPLES BEGINNING FAMILIES. THE COMMUNITY LOAN FUND'S WELCOME HOME LOANS PROVIDE REAL FIXED-RATE MORTGAGE PRODUCTS FOR A GROUP OF HOMEOWNERS THAT DON'T OTHERWISE HAVE ACCESS TO SUCH LOANS. MOST BUYERS OF MANUFACTURED HOMES HAVE TO USE PERSONAL PROPERTY LOANS, EVEN WHEN THEY OWN THE LAND THE HOUSE WILL OCCUPY, OR WHEN THEY HAVE SECURED THE LAND THROUGH COOPERATIVE OWNERSHIP. IN MAKING NEARLY $30 MILLION IN LOANS SINCE 2002, WELCOME HOME LOANS HAVE SHOWN THESE BORROWERS TO BE BETTER-THAN-AVERAGE RISKS, WITH A CUMULATIVE LOSS RATE OF JUST 1.88 PERCENT. DURING FY 13, WELCOME HOME LOANS PROVIDED $5 MILLION IN FINANCING TO 109 HOMEOWNERS. EIGHTY-FOUR HOMEOWNERS WERE IN 48 RESIDENT-OWNED COMMUNITIES, 25 ON THEIR OWN LAND. IN 2009, OUR WELCOME (THEN CALLED COOPERATIVE) HOME LOANS EARNED THE COMMUNITY LOAN FUND THE HIGHEST HONOR GIVEN TO COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS: THE NEXT AWARD FOR OPPORTUNITY FINANCE. THE PROGRAM'S STRONG PERFORMANCE HAS ALSO ATTRACTED OTHER CONVENTIONAL RESIDENTIAL LENDERS, INCLUDING USDA, NH HOUSING FINANCE AUTHORITY AND FANNIE MAE, TO THIS EMERGING MARKET. WE WERE CONTACTED BY A WOMAN WHO SURVIVED DOMESTIC ABUSE SO SEVERE THAT SHE HAD BEEN HOSPITALIZED, HAD LOST MUCH OF HER HEARING AND HAD A DAMAGED JAW AND MISSING TEETH. SHE WAS EVEN HOMELESS FOR A BRIEF TIME BEFORE BEING TAKEN IN AT A LOCAL SHELTER. BECAUSE HER EX-HUSBAND HADN'T ALLOWED HER TO HAVE ANY SAVINGS, CREDIT CARDS, OR LOANS IN HER NAME, SHE HAD NO CREDIT WITH WHICH TO BUY A HOME. WHEN SHE APPLIED FOR A WELCOME HOME LOAN TO BUY A MANUFACTURED HOME IN ONE OF NEW HAMPSHIRE'S 105 RESIDENT-OWNED COMMUNITIES, SHE WAS ABLE TO SHOW THAT SHE HAD PAID HER UTILITY BILLS ON TIME FOR THE PREVIOUS YEAR. SHE RECEIVED A WELCOME HOME LOAN BASED ON THAT PAYMENT RECORD. SHE HAS MADE EVERY MORTGAGE PAYMENT ON TIME. AS A HOMEOWNER, SHE'S PAYING $175 A MONTH LESS FOR HER MORTGAGE THAN SHE DID TO RENT HER APARTMENT. 3. THE COMMUNITY HOUSING PROGRAM EXPANDS NEW HAMPSHIRE'S SUPPLY OF INCREASINGLY SCARCE AFFORDABLE HOUSING - WITH THE GOAL OF KEEPING IT PERMANENTLY AFFORDABLE - BY PROVIDING LOANS AND TECHNICAL ASSISTANCE TO NONPROFIT HOUSING DEVELOPMENT ORGANIZATIONS. SINCE 1989, COMMUNITY HOUSING HAS HELPED CREATE AND NURTURE A NOW-MATURE NETWORK OF NONPROFIT DEVELOPERS, WHILE ASSISTING COMMUNITY GROUPS TACKLING THEIR FIRST PROJECTS, TO CREATE CAPACITY IN ONE OF THE LEAST AFFORDABLE STATES IN THE NATION. ALTHOUGH THE PROGRAM'S MOST-CRITICAL FUNCTION IS FILLING FINANCING GAPS, IT ALSO ADVOCATES FOR LOW-INCOME HOUSEHOLDS ON HOUSING-RELATED POLICY ISSUES AND IS A LEADING MEMBER OF A STATEWIDE ADVOCACY COALITION, ONE OF MANY COLLABORATIONS IT HAS HELPED CREATE. THE GILE HILL HOUSING DEVELOPMENT IN HANOVER, N.H. WAS CALLED "MONUMENTAL", "PIONEERING", AND "THE MOST IMPORTANT AFFORDABLE HOUSING PROJECT IN NEW ENGLAND." IN A COMMUNITY WHERE RENTAL APARTMENTS ARE BOTH SCARCE AND PRICEY, TWIN PINES HOUSING TRUST, A NONPROFIT HOUSING DEVELOPER, PLANNED TO BUILD 120 RENTALS AND CONDOMINIUMS. HALF WOULD BE AFFORDABLE FOR WORKING FAMILIES, AND THE "GREEN" HOUSING, BUILT TO ENERGY STAR STANDARDS, WAS LOCATED ON A REGIONAL BUS ROUTE AND WITHIN AN EASY WALK OR BIKE RIDE OF THE AREA'S LARGEST EMPLOYER. THE COMMUNITY LOAN FUND MADE A LOAN TO LAUNCH THE PROJECT, THEN TO BRIDGE A CONSTRUCTION FINANCING SHORTFALL. WHEN THE RECESSION HIT, CONDO SALES SLOWED TO A CRAWL AND PRICES DIPPED. THE PROJECT'S OTHER MAJOR FINANCING PARTNER THREATENED TO FORECLOSE. KNOWING THE NEED FOR WORKFORCE HOUSING IN THIS COMMUNITY AND THE IMPORTANCE OF THE DEVELOPER'S WORK IN THE REGION, THE COMMUNITY LOAN FUND CHANGED ITS LOAN AGREEMENTS, DELAYED REPAYMENT AND EXTENDED FLEXIBLE CAPITAL TO KEEP THE PROJECT AFLOAT. THE COMMUNITY LOAN FUND'S PATIENCE, TECHNICAL ASSISTANCE, PARTNERSHIP AND MORAL SUPPORT WERE CRITICAL, SAID TWIN PINES EXECUTIVE DIRECTOR ANDREW WINTER. "TWIN PINES COULD NOT HAVE COMPLETED THIS EXCEEDINGLY COMPLEX AND CHALLENGING PROJECT WITHOUT THE COMMUNITY LOAN FUND BESIDE US EVERY STEP OF THE WAY." THE RESULT WILL BE 76 MORE FAMILIES IN APARTMENTS THEY CAN AFFORD, 44 MORE WHO OWN HOMES WITHIN WALKING DISTANCE TO GOOD JOBS, AND A HIGH-FUNCTIONING NONPROFIT CONTINUING TO PROVIDE AFFORDABLE HOUSING IN A MARKET THAT WOULD NOT OTHERWISE HAVE IT. SINCE 1989 THE COMMUNITY LOAN FUND HAS MADE OVER $22 MILLION IN LOANS, RESULTING IN THE CREATION OF OVER 1,379 AFFORDABLE APARTMENTS VALUED AT MORE THAN $191 MILLION. THE NONPROFIT DEVELOPERS IT SUPPORTS HAVE DEVELOPED OVER 2,000 UNITS OF AFFORDABLE HOUSING, AN INVENTORY THAT WOULD COST WELL OVER $300 MILLION TO RECREATE. 4. INDIVIDUAL DEVELOPMENT ACCOUNTS (IDA) PROVIDE MATCHED SAVINGS AND FINANCIAL TRAINING FOR PEOPLE WITH LOW INCOMES WHO WANT TO SAVE TO BUY OR REPAIR A HOME, BUY A CAR, OR TO CONTINUE THEIR EDUCATION. SINCE 2001, THE NEW HAMPSHIRE IDA PROGRAM HAS PROVIDED MORE THAN $3.1 MILLION TO MATCH THE SAVINGS OF PROGRAM PARTICIPANTS, INCLUDING MORE THAN $1.9 MILLION TO HELP 370 PEOPLE PURCHASE HOMES. ONE SAVER WAS A 42-YEAR-OLD SINGLE MOM WHOSE JOB WAS CUT TO PART-TIME DURING THE RECESSION. WITH HER EARNINGS DWINDLING, SHE FELT HER DREAM OF OWNING A HOME FOR HERSELF AND HER YOUNG DAUGHTER SLIPPING AWAY. HER ADVISER AT A LOCAL HUMAN SERVICES AGENCY AGREED THAT GETTING A COLLEGE DEGREE MIGHT RESULT IN A BETTER-PAYING JOB, WHICH WOULD ALLOW HER TO PURSUE HER OTHER LONG-TERM GOALS, INCLUDING HOMEOWNERSHIP. SHE USED HER IDA SAVINGS TO ENROLL AT A LOCAL COMMUNITY COLLEGE, WHERE SHE EARNED HER ASSOCIATES DEGREE AND RECEIVED THE PRESIDENT'S AWARD OF EXCELLENCE. SHE THEN ENROLLED AT ANOTHER NEARBY COLLEGE, WHERE SHE MADE DEAN'S LIST AND GRADUATED IN SPRING OF 2012 WITH A DEGREE IN HUMAN SERVICES. ALONG THE WAY, SHE RECEIVED A WORK PROMOTION AND A RAISE. ALTHOUGH SHE USED HER IDA SAVINGS FOR EDUCATION, THE FINANCIAL TRAINING SHE RECEIVED HELPED HER SAVE FOR AND BUY A MANUFACTURED HOME IN A NEARBY RESIDENT-OWNED COMMUNITY. "IDAS", SAID THE PARTICIPANT, "ARE A GOOD OPPORTUNITY FOR SOMEONE WITH MOTIVATION AND DRIVE TO MOVE FORWARD." "WITHOUT THE SUPPORT AND GUIDANCE I RECEIVED, I MIGHT HAVE BECOME FRUSTRATED", THE PARTICIPANT SAID. BUT BECAUSE SHE WAS ABLE TO COMPLETE THE PROGRAM, SHE SAYS, "MY LIFE HAS CHANGED A LOT! I'M VERY GRATEFUL."
PROGRAM SERVICE STATEMENT	FORM 990, PT. III, LINE 4B	THE COMMUNITY LOAN FUND IS ROOTED IN TWO BELIEFS: - SOME FINANCIAL OBSTACLES PEOPLE FACE ARE NOT DUE SOLELY TO LOW INCOMES, BUT ALSO TO LACK OF CREDIT. - MANY PEOPLE WITH CAPITAL WILL INVEST IN BASIC HUMAN NEEDS IF THERE IS A WAY TO DO SO. THE PHILANTHROPY PROGRAM WORKS ON THE SECOND PART OF THAT EQUATION. IT SEEKS TO MAKE THE COMMUNITY LOAN FUND A CONDUIT THROUGH WHICH PEOPLE, ORGANIZATIONS, FOUNDATIONS AND CORPORATIONS SAFELY AND SECURELY INVEST IN NEW HAMPSHIRE'S PEOPLE AND COMMUNITIES. THE COMMUNITY LOAN FUND IS NEARLY ALONE AMONG COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS IN ACCEPTING INVESTMENTS-IN THE FORM OF UNSECURED LOANS, FROM PRIVATE INDIVIDUALS, AS WELL AS FROM INSTITUTIONS LARGE AND SMALL. INVESTMENTS ARRIVE FROM RETIREES AND COMMUNITY CHURCH GROUPS, ALL THE WAY UP TO NATIONAL FOUNDATIONS. ABIGAIL EASTERLY AND SCOTT SILBERFELD OF MANCHESTER, N.H. SAY THEY INVEST IN THE COMMUNITY LOAN FUND BECAUSE THEY WANT THEIR INVESTMENTS TO REFLECT THEIR VALUES. THEY MADE THEIR FIRST INVESTMENT AS A COUPLE, THEN EACH INVESTED SOME OF THEIR RETIREMENT SAVINGS. COMMUNITY LOAN FUND INVESTORS CHOOSE A FIXED INTEREST RATE TIED TO THE LENGTH OF THEIR INVESTMENT, UP TO 5% FOR 10 OR MORE YEARS. ALTHOUGH INVESTMENTS ARE UNSECURED AND UNINSURED BY THE FEDERAL DEPOSIT INSURANCE CORP., THE COMMUNITY LOAN FUND HAS MAINTAINED A PERFECT REPAYMENT RECORD FOR 30 YEARS. "WE FEEL CONFIDENT INVESTING IN THE COMMUNITY LOAN FUND", SAID SCOTT. BOTH ARE ENTHUSIASTIC AMBASSADORS. WHAT KEEPS THEM ENERGIZED, THEY SAY, IS KNOWING HOW THEIR MONEY HELPS OTHERS SUCCEED. "IT MAKES US FEEL GOOD", SAID SCOTT. "IT'S A MISTAKE FOR ANYONE TO THINK WE'RE DOING THIS BECAUSE WE'RE HUMANITARIANS-WERE GETTING WAY MORE OUT OF THIS THAN YOU GUYS ARE! TO BE ABLE TO FIND A GOOD INVESTMENT VEHICLE AND HELP PEOPLE AT THE SAME TIME IS A WIN-WIN FOR US." INVESTMENTS IN THE COMMUNITY LOAN FUND RANGE FROM $1,000 TO $5 MILLION. IN A CHALLENGING ECONOMY, THE PHILANTHROPY PROGRAM BROUGHT IN $8.64 MILLION FROM 77 NEW INVESTMENTS IN FY 13, PUSHING THE TOTAL NUMBER OF INVESTORS IN THE COMMUNITY LOAN FUND TO 512.
PROGRAM SERVICE STATEMENT	FORM 990, PT. III, LINE 4C	THE COMMUNITY LOAN FUND OFFERS FINANCING FOR BUSINESSES RANGING FROM SELF-EMPLOYED TRADESMEN TO HIGH-GROWTH, HIGH-MARGIN COMPANIES. BUSINESS BUILDER LOANS CAN BE USED TO IMPROVE OR GROW A BUSINESS. TRAINING OR TECHNICAL SUPPORT MAY BE PROVIDED BY SOME COMBINATION OF A BUSINESS PERFORMANCE COACH, CONSULTANT, AN ADVISORY BOARD OR A BUSINESS PEER GROUP. VESTED FOR GROWTH INVESTMENTS PROVIDE RISK-TOLERANT CAPITAL, BUSINESS EDUCATION, AND PEER-LEARNING OPPORTUNITIES TO HELP OWNERS OF ESTABLISHED SMALL BUSINESSES INCREASE PROFITS AND CREATE HIGHER-QUALITY JOBS. IN FISCAL YEAR 13, OUR BUSINESS FINANCE TEAM MADE SIX INVESTMENTS TOTALING NEARLY $2.24 MILLION. EIGHTEEN BUSINESS OWNERS PARTICIPATED IN CEO PEERLINK, A GROUP IN WHICH CEOS MEET MONTHLY TO SHARE BEST PRACTICES, PROVIDE SUPPORT AND SOLVE BUSINESS PROBLEMS. FOR FOUR YEARS, A FARM FAMILY HAD PROVIDED HEALTHY, ORGANIC, HEALTHY FOOD TO RESIDENTS ALONG NEW HAMPSHIRE'S SEACOAST. THEN THEY LEARNED THAT THE LEASE ON THEIR FARMLAND WOULDN'T BE RENEWED. IN FEBRUARY 2012, THE COMMUNITY LOAN FUND PROVIDED A LOAN TO HELP THEM BUY A PARCEL OF LAND ALONG A FERTILE RIVERBED AND RENOVATE AN EXISTING DAIRY FARM THERE. WE ALSO LOANED THEM MONEY TO FINANCE NEW EQUIPMENT. THE LOANS, TOTALING $500,000, SAVED 10 JOBS AND CREATED A HANDFUL OF CONSTRUCTION JOBS AND FIVE PART-TIME SEASONAL JOBS ON THE FARM, ALL WHILE PRESERVING OPEN LAND AND ENCOURAGING SUSTAINABLE FAMILY FARMING.
	FORM 990, PART VI, SECTION B, LINE 11	THE FORM 990 IS PREPARED BY STAFF AND THE AUDIT FIRM. A DRAFT OF THE COMPLETED FORM 990 IS REVIEWED BY THE FINANCE COMMITTEE WITH QUESTIONS ADDRESSED AND RESOLVED BY THE AUDIT FIRM. THE FINANCE COMMITTEE VOTES TO RECOMMEND FOR ACCEPTANCE TO THE FULL BOARD, AND MINUTES OF THE COMMITTEE MEETING ARE PRODUCED TO DOCUMENT THE REVIEW AND THE VOTE. A COPY OF THE FORM 990 IS PROVIDED TO THE FULL BOARD OF DIRECTORS. THE BOARD VOTES TO ACCEPT THE FORM 990 BEFORE IT IS FILED WITH THE IRS.
	FORM 990, PART VI, SECTION B, LINE 12C	THE ORGANIZATION REQUIRES EMPLOYEES AND BOARD MEMBERS TO COMPLETE ANNUAL CONFLICT OF INTEREST SURVEYS.
	FORM 990, PART VI, SECTION B, LINE 15	COMPENSATION DATA REGARDING THE TWO TOP EXECUTIVE POSITIONS WAS GATHERED NATIONALLY, REGIONALLY AND LOCALLY. NATIONAL COMPARATIVE DATA WAS OBTAINED FROM THE CHARITY NAVIGATOR 2010-2011 CEO COMPENSATION STUDY WHICH WAS MADE UP OF A POOL OF 3,500 NATION-WIDE NON-PROFIT ORGANIZATIONS WITH 501(C)3 DESIGNATIONS THAT FILE 990S. REGIONAL DATA INCLUDED EVALUATION OF SEVERAL NEW ENGLAND NON-PROFIT INSTITUTIONS SIMILAR TO THE COMMUNITY LOAN FUND IN EITHER SIZE OR ACTIVITY. THIS INFORMATION WAS LOCATED VIA RESEARCH OF THE ORGANIZATIONS' FORMS 990 FOR 2010 AND 2011. LOCAL (NEW HAMPSHIRE) DATA WAS FOUND IN THE 2012 REPORT ON NONPROFIT WAGES & BENEFITS COMPILED BY THE NH CENTER FOR NONPROFITS. AN EXECUTIVE COMPENSATION COMMITTEE WAS APPOINTED BY THE BOARD AND CONSISTED OF THREE BOARD MEMBERS, WITH ASSISTANCE FROM THE HUMAN RESOURCES DIRECTOR. AFTER A REVIEW OF THE DATA AND DISCUSSION, IT WAS DETERMINED THAT BOTH POSITIONS WERE GENERALLY IN LINE WITH THE DATA REVIEWED AND THAT THE COMPENSATION FOR THE TWO POSITIONS IS APPROPRIATE. COPIES OF COMPARABILITY DATA ANALYSIS ARE ON FILE AND RECORDS OF THE EXECUTIVE COMPENSATION COMMITTEE ARE ON FILE.
	FORM 990, PART VI, SECTION C, LINE 19	THE COMMUNITY LOAN FUND'S FORM 990, YEAR-END AUDITED FINANCIAL STATEMENTS AND ANNUAL REPORTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST AND ARE POSTED ON THE ORGANIZATION'S WEBSITE FOR PUBLIC INSPECTION. BYLAWS AND CONFLICT OF INTEREST POLICIES ARE ALSO AVAILABLE TO THE PUBLIC UPON REQUEST. THIS IS STATED ON THE ORGANIZATION'S WEBSITE.
	FORM 990 PART XII, LINE 2C	THE FORM 990 IS PROVIDED TO THE BOARD ANNUALLY FOR APPROVAL.
	PT IV, LINE 26 AND PT VI-A, LINE 1B	THE COMMUNITY LOAN FUND'S BYLAWS REQUIRE THE BOARD OF DIRECTORS TO INCLUDE REPRESENTATIVES OF BORROWER ORGANIZATIONS AND LENDERS AMONG ITS MEMBERSHIP. DONATIONS AND INVESTMENTS ARE ACCEPTED FROM EMPLOYEES, FROM INDIVIDUAL BOARD MEMBERS, OR FROM ORGANIZATIONS OF WHICH CURRENT AND FORMER MEMBERS ARE SIGNIFICANT EMPLOYEES OR BOARD MEMBERS. ALL TRANSACTION DECISIONS FOLLOW STANDARD POLICIES AND PROCEDURES INCLUDING THOSE COVERING CONFLICT OF INTEREST. FIVE MEMBERS OF THE BOARD OF DIRECTORS HAVE PROVIDED LOANS TOTALING $213,044 TO THE COMMUNITY LOAN FUND. TWELVE EMPLOYEES HAVE PROVIDED LOANS TOTALING $388,423 TO THE COMMUNITY LOAN FUND. ALL BOARD MEMBERS AND STAFF ARE TYPICALLY DONORS TO THE COMMUNITY LOAN FUND. ONE MEMBER OF THE BOARD OF DIRECTORS IS ALSO A BOARD MEMBER OF AN ORGANIZATION THAT HAS A LOAN FROM THE COMMUNITY LOAN FUND TOTALING $178,060. THE TRANSACTIONS ARE PART OF THE COMMUNITY LOAN FUND'S NORMAL COURSE OF BUSINESS AND ARE OPEN TO THE PUBLIC AT LARGE.