{"success":true,"data":{"_id":436207542,"filings":[{"Organization":{"value":null,"Person":["THOMAS P KLEBBA","MICHAEL ANDERSON","R SCOTT HARRIS","PATRICK KUSSMAN","THOMAS R PAGE","ERIC MCCLURE","CARL C WATSON"],"Title":["VICE-CHAIRMAN","TRUSTEE","TRUSTEE","TRUSTEE","CHAIRMAN","TRUSTEE","TRUSTEE"],"Hours":[0.5,0.5,0.5,0.5,0.5,0.5,0.5],"Total Compensation":[0,0,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Mba-veba offers insurance benefits for employees and their dependents of missouri bankers association member organizations.","year":2019,"name":"MISSOURI BANKERS ASSOCIATION - VOLUNTARY EMPLOYEES BENEFICIARY ASSN","phone":5736368151,"website":"WWW.MOBANKERS.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"THOMAS R PAGE","year_formation":1976,"state_legal_domicile":"MO","total_volunteers":7,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"207 E CAPITOL AVE, JEFFERSON CITY, MO, 65101, USA","city":"JEFFERSON CITY","state":"MO","country":"USA","zip_code":65101},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":0,"Total Gross UBI":103654,"Net unrelated business taxable income":-3000,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":24319936,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":23642744,"Total revenue":23642744,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":107035,"Investment income total":103654,"Net investment gain":3381,"Income from invest bond proceeds":0},"Other revenues":{"value":570157,"Other total":570157,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":26927267,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":23091933,"Benefits paid to members Total":23091933},"Salaries":{"value":0,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":3835334,"Management services":0,"Legal":0,"Accounting":17325,"Lobbying services":0,"Investment management fees":16849,"Other services":78135,"Advertising":0,"Office expenses":0,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":1569,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":81400,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":3616224,"INSURANCE PREMIUMS":1685978,"ADMINISTRATIVE FEES":1026329,"CLAIMS PROCESSING":637457,"UR/NETWORK FEES":266460},"All other expenses":23832},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":2147675,"Non-interest bearing cash":169754,"Savings and temp cash investments":956760,"Pledges and grants receivable":0,"Accounts receivable":931926,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":89235,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":2912944,"Sum of Total Liabilities":0,"Accounts payable, accrued":389560,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":2523384},"Fund balance":{"value":-765269,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.1072096160121474,"percentile":0.21609218781175618},"Liabilities to Assets Ratio":{"score":1.3563243973133738,"percentile":0.03126572145393645},"Operating Reserve Ratio":{"score":0.07975837280478558,"percentile":0.0586620465905281},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.055573542671119296,"percentile":0.20886481546962626},"Asset Growth":{"score":-0.11298230947167752,"percentile":0.09452210606233495},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.3845474659871841,"percentile":0.09825227387582111}},"source_xml":"202021889349301882_public.xml"},{"Organization":{"value":null,"Person":["THOMAS P KLEBBA","DIANA L BENNETT","DAVID M GOHN","MARK THOMPSON","K CLAYTON ROGERS","THOMAS R PAGE"],"Title":["TRUSTEE","TRUSTEE","CHAIRMAN","TRUSTEE","TRUSTEE","VICE-CHAIRMAN"],"Hours":[0.5,0.5,1.0,0.5,0.5,0.5],"Total Compensation":[0,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Mba-veba offers insurance benefits for employees and their dependents of missouri bankers association member organizations.","year":2017,"name":"MISSOURI BANKERS ASSOCIATION - VOLUNTARY EMPLOYEES BENEFICIARY ASSN","phone":5736368151,"website":"WWW.MOBANKERS.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"RICHARD R WRIGHT","year_formation":1976,"state_legal_domicile":"MO","total_volunteers":0,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"207 E CAPITOL AVE, JEFFERSON CITY, MO, 65101, USA","city":"JEFFERSON CITY","state":"MO","country":"USA","zip_code":65101},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":6,"Number of independent voting members":6,"Number of employees total":0,"Total Gross UBI":43481,"Net unrelated business taxable income":-3000,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":27146948,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":25060723,"Total revenue":25060723,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":42869,"Investment income total":43481,"Net investment gain":-612,"Income from invest bond proceeds":0},"Other revenues":{"value":2043356,"Other total":2043356,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":27369712,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":23528378,"Benefits paid to members Total":23528378},"Salaries":{"value":0,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":3841334,"Management services":0,"Legal":5130,"Accounting":16600,"Lobbying services":0,"Investment management fees":14655,"Other services":57784,"Advertising":0,"Office expenses":0,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":2243,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":75000,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":3645205,"INSURANCE PREMIUMS":1756665,"ADMINISTRATIVE FEES":880750,"CLAIMS PROCESSING":723684,"UR/NETWORK FEES":284106},"All other expenses":24717},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":2868986,"Non-interest bearing cash":17700,"Savings and temp cash investments":1339219,"Pledges and grants receivable":0,"Accounts receivable":954977,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":61063,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":496027,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":2903717,"Sum of Total Liabilities":0,"Accounts payable, accrued":612509,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":2291208},"Fund balance":{"value":-34731,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.008205857984477666,"percentile":0.36459690964092006},"Liabilities to Assets Ratio":{"score":1.012105670784033,"percentile":0.048198393072809896},"Operating Reserve Ratio":{"score":0.10482339017670336,"percentile":0.07033099924640161},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.46884048135131157,"percentile":0.2499572532743992}},"source_xml":"201801249349301180_public.xml"},{"Organization":{"value":null,"Person":["ROBERT E MICKEY","MICHAEL W ANDERSON","R SCOTT HARRIS","DWAYNE A FALK","K CLAYTON ROGERS","CARL C WATSON","JESSICA E GREEN"],"Title":["TRUSTEE","CHAIRMAN","TRUSTEE","VICE-CHAIRMAN","TRUSTEE","TRUSTEE","TRUSTEE"],"Hours":[0.5,0.5,0.5,0.5,0.5,0.5,0.5],"Total Compensation":[0,0,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Mba-veba offers insurance benefits for employees and their dependents of missouri bankers association member organizations.","year":2022,"name":"MISSOURI BANKERS ASSOCIATION - VOLUNTARY EMPLOYEES BENEFICIARY ASSN","phone":5736368151,"website":"WWW.MOBANKERS.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"THOMAS R PAGE","year_formation":1976,"state_legal_domicile":"MO","total_volunteers":7,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"207 E CAPITOL AVE, JEFFERSON CITY, MO, 65101, USA","city":"JEFFERSON CITY","state":"MO","country":"USA","zip_code":65101},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":0,"Total Gross UBI":23036,"Net unrelated business taxable income":0,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":19954918,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":19044848,"Total revenue":19044848,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":23036,"Investment income total":23036,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":887034,"Other total":887034,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":19877361,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":15227690,"Benefits paid to members Total":15227690},"Salaries":{"value":0,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":4649671,"Management services":0,"Legal":1523,"Accounting":26510,"Lobbying services":0,"Investment management fees":5484,"Other services":100000,"Advertising":0,"Office expenses":0,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":188,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":98978,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":4338564,"INSURANCE PREMIUMS":1788603,"UR/NETWORK FEES":1306520,"ADMINISTRATIVE FEES":860590,"CLAIMS PROCESSING":382851},"All other expenses":78424},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1303120,"Non-interest bearing cash":776683,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":526437,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":2298518,"Sum of Total Liabilities":0,"Accounts payable, accrued":631246,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":1667272},"Fund balance":{"value":-995398,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.003886610809425526,"percentile":0.4071951721317005},"Liabilities to Assets Ratio":{"score":1.76385751120388,"percentile":0.02168003860820375},"Operating Reserve Ratio":{"score":0.06555799836809323,"percentile":0.052121160189876885},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.031187340387950294,"percentile":0.2639981343006749},"Asset Growth":{"score":-0.18993312612828245,"percentile":0.05708126578608943},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.42507778955830955,"percentile":0.1641630251122764}},"source_xml":"202303149349302460_public.xml"},{"Organization":{"value":null,"Person":["ROBERT E MICKEY","MICHAEL W ANDERSON","R SCOTT HARRIS","DWAYNE A FALK","KIMBERLY CORBIN","ERIC MCCLURE","CARL C WATSON","JESSICA E GREEN"],"Title":["TRUSTEE","TRUSTEE","CHAIRMAN","TRUSTEE","TRUSTEE","TRUSTEE","VICE-CHAIRMAN","TRUSTEE"],"Hours":[0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5],"Total Compensation":[0,0,0,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Mba-veba offers insurance benefits for employees and their dependents of missouri bankers association member organizations.","year":2020,"name":"MISSOURI BANKERS ASSOCIATION - VOLUNTARY EMPLOYEES BENEFICIARY ASSN","phone":5736368151,"website":"WWW.MOBANKERS.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"THOMAS R PAGE","year_formation":1976,"state_legal_domicile":"MO","total_volunteers":8,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"207 E CAPITOL AVE, JEFFERSON CITY, MO, 65101, USA","city":"JEFFERSON CITY","state":"MO","country":"USA","zip_code":65101},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":8,"Number of independent voting members":8,"Number of employees total":0,"Total Gross UBI":27583,"Net unrelated business taxable income":0,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":26497855,"Contributions":{"value":735000,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":735000,"Related organizations":0},"Program revenue":{"value":25060721,"Total revenue":25060721,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":30337,"Investment income total":27583,"Net investment gain":2754,"Income from invest bond proceeds":0},"Other revenues":{"value":671797,"Other total":671797,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":26530704,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":22208467,"Benefits paid to members Total":22208467},"Salaries":{"value":0,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":4322237,"Management services":0,"Legal":0,"Accounting":19250,"Lobbying services":0,"Investment management fees":8308,"Other services":104892,"Advertising":0,"Office expenses":0,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":82375,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":4077732,"INSURANCE PREMIUMS":1957030,"ADMINISTRATIVE FEES":1135216,"CLAIMS PROCESSING":702718,"UR/NETWORK FEES":282768},"All other expenses":29680},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1540842,"Non-interest bearing cash":8388,"Savings and temp cash investments":542708,"Pledges and grants receivable":0,"Accounts receivable":899246,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":90500,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":2331177,"Sum of Total Liabilities":0,"Accounts payable, accrued":602357,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":1728820},"Fund balance":{"value":-790335,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.0012396852499947637,"percentile":0.3825799486781181},"Liabilities to Assets Ratio":{"score":1.5129241025361457,"percentile":0.0267487992291469},"Operating Reserve Ratio":{"score":0.05807768990977397,"percentile":0.04874785252752534},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.009591512359906825,"percentile":0.3315465846699652},"Asset Growth":{"score":-0.23014723224217176,"percentile":0.04562093984373226},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4267089213747331,"percentile":0.16706020318843576}},"source_xml":"202101349349301445_public.xml"},{"Organization":{"value":null,"Person":["MICHAEL W ANDERSON","DWAYNE A FALK","JESSICA E GREEN","ROBERT E MICKEY","K CLAYTON ROGERS","CARL C WATSON","R SCOTT HARRIS","KIMBERLY CORBIN"],"Title":["CHAIRMAN","VICE-CHAIRMAN","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE"],"Hours":[0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5],"Total Compensation":[0,0,0,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Mba-veba offers insurance benefits for employees and their dependents of missouri bankers association member organizations.","year":2023,"name":"MISSOURI BANKERS ASSOCIATION - VOLUNTARY EMPLOYEES BENEFICIARY ASSN","phone":5736368151,"website":"WWW.MOBANKERS.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"MICHAEL W ANDERSON","year_formation":1976,"state_legal_domicile":"MO","total_volunteers":8,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"207 E CAPITOL AVE, JEFFERSON CITY, MO, 65101, USA","city":"JEFFERSON CITY","state":"MO","country":"USA","zip_code":65101},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":8,"Number of independent voting members":8,"Number of employees total":0,"Total Gross UBI":91228,"Net unrelated business taxable income":0,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":19700866,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":19009928,"Total revenue":19009928,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":91228,"Investment income total":91228,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":599710,"Other total":599710,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":18201104,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":13774166,"Benefits paid to members Total":13774166},"Salaries":{"value":0,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":4426938,"Management services":0,"Legal":13154,"Accounting":30685,"Lobbying services":0,"Investment management fees":5748,"Other services":100000,"Advertising":0,"Office expenses":0,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":100789,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":4074929,"INSURANCE PREMIUMS":2268378,"ADMINISTRATIVE FEES":938000,"UR/NETWORK FEES":497100,"CLAIMS PROCESSING":371451},"All other expenses":101633},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":2356432,"Non-interest bearing cash":1406852,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":756543,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":193037,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":1852068,"Sum of Total Liabilities":0,"Accounts payable, accrued":431965,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":1420103},"Fund balance":{"value":504364,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.07612670427787287,"percentile":0.5795447389160775},"Liabilities to Assets Ratio":{"score":0.785962845522383,"percentile":0.08087546068468929},"Operating Reserve Ratio":{"score":0.1294664323658609,"percentile":0.08190496900020795},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.043381090107793174,"percentile":0.23409851082813926},"Asset Growth":{"score":-0.1214255660842083,"percentile":0.08890562956936235},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4644119827227871,"percentile":0.2405891708695114}},"source_xml":"202412779349301216_public.xml"},{"Organization":{"value":null,"Person":["THOMAS P KLEBBA","MICHAEL ANDERSON","R SCOTT HARRIS","PATRICK KUSSMAN","BENJAMIN G POLEN","THOMAS R PAGE","ERIC MCCLURE","CARL C WATSON"],"Title":["VICE-CHAIRMAN","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","CHAIRMAN","TRUSTEE","TRUSTEE"],"Hours":[0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5],"Total Compensation":[0,0,0,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Mba-veba offers insurance benefits for employees and their dependents of missouri bankers association member organizations.","year":2018,"name":"MISSOURI BANKERS ASSOCIATION - VOLUNTARY EMPLOYEES BENEFICIARY ASSN","phone":5736368151,"website":"WWW.MOBANKERS.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"THOMAS R PAGE","year_formation":1976,"state_legal_domicile":"MO","total_volunteers":8,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"207 E CAPITOL AVE, JEFFERSON CITY, MO, 65101, USA","city":"JEFFERSON CITY","state":"MO","country":"USA","zip_code":65101},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":8,"Number of independent voting members":8,"Number of employees total":0,"Total Gross UBI":80776,"Net unrelated business taxable income":-3000,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":24837735,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":24425526,"Total revenue":24425526,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":80361,"Investment income total":80776,"Net investment gain":-415,"Income from invest bond proceeds":0},"Other revenues":{"value":331848,"Other total":331848,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":22983474,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":19316887,"Benefits paid to members Total":19316887},"Salaries":{"value":0,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":3666587,"Management services":0,"Legal":904,"Accounting":16700,"Lobbying services":0,"Investment management fees":15611,"Other services":76055,"Advertising":0,"Office expenses":0,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":3255,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":80833,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":3455760,"INSURANCE PREMIUMS":1663495,"ADMINISTRATIVE FEES":856576,"CLAIMS PROCESSING":669694,"UR/NETWORK FEES":265995},"All other expenses":17469},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":4559763,"Non-interest bearing cash":1903846,"Savings and temp cash investments":1319237,"Pledges and grants receivable":0,"Accounts receivable":536908,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":6132,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":793640,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":2761482,"Sum of Total Liabilities":0,"Accounts payable, accrued":435781,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":2325701},"Fund balance":{"value":1798281,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.07465499571518901,"percentile":0.5766323821061048},"Liabilities to Assets Ratio":{"score":0.6056196341783553,"percentile":0.11104098762276049},"Operating Reserve Ratio":{"score":0.19839311498340068,"percentile":0.11468276013846486},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5287840920640187,"percentile":0.39714897838825547}},"source_xml":"201931349349308678_public.xml"},{"Organization":{"value":null,"Person":["MICHAEL W ANDERSON","DWAYNE A FALK","JESSICA E GREEN","ROBERT E MICKEY","DOUG FISH","JILL NIECE","KIM REIGELSBERGER"],"Title":["CHAIRMAN","VICE-CHAIRMAN","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE"],"Hours":[0.5,0.5,0.5,0.5,0.5,0.5,0.5],"Total Compensation":[0,0,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Mba-veba offers insurance benefits for employees and their dependents of missouri bankers association member organizations.","year":2024,"name":"MISSOURI BANKERS ASSOCIATION - VOLUNTARY EMPLOYEES BENEFICIARY ASSN","phone":5736368151,"website":"WWW.MOBANKERS.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"MICHAEL W ANDERSON","year_formation":1976,"state_legal_domicile":"MO","total_volunteers":7,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"207 E CAPITOL AVE, JEFFERSON CITY, MO, 65101, USA","city":"JEFFERSON CITY","state":"MO","country":"USA","zip_code":65101},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":0,"Total Gross UBI":27727,"Net unrelated business taxable income":0,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":19838427,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":19798359,"Total revenue":19798359,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":27727,"Investment income total":27727,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":12341,"Other total":12341,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":20202606,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":17860169,"Benefits paid to members Total":17860169},"Salaries":{"value":0,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":2342437,"Management services":0,"Legal":0,"Accounting":32200,"Lobbying services":0,"Investment management fees":3596,"Other services":43533,"Advertising":0,"Office expenses":0,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":91788,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2169907,"INSURANCE PREMIUMS":1002363,"ADMINISTRATIVE FEES":925290,"CLAIMS PROCESSING":236875,"ACA TAXES":5379},"All other expenses":1413},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":504998,"Non-interest bearing cash":448851,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":11814,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":44333,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":364813,"Sum of Total Liabilities":0,"Accounts payable, accrued":260457,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":104356},"Fund balance":{"value":140185,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.018357251812353873,"percentile":0.3418925509494304},"Liabilities to Assets Ratio":{"score":0.7224048412072919,"percentile":0.0902286503679742},"Operating Reserve Ratio":{"score":0.024996676171381058,"percentile":0.03350633020624021},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.0449852992367238,"percentile":0.23054237144830508},"Asset Growth":{"score":-0.1628341292704959,"percentile":0.06734276711486147},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.41246166949126317,"percentile":0.14209351563670222}},"source_xml":"202503079349303580_public.xml"},{"Organization":{"value":null,"Person":["ROBERT E MICKEY","MICHAEL W ANDERSON","R SCOTT HARRIS","DWAYNE A FALK","KIMBERLY CORBIN","ERIC MCCLURE","CARL C WATSON","JESSICA E GREEN"],"Title":["TRUSTEE","TRUSTEE","CHAIRMAN","TRUSTEE","TRUSTEE","TRUSTEE","VICE-CHAIRMAN","TRUSTEE"],"Hours":[0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5],"Total Compensation":[0,0,0,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Mba-veba offers insurance benefits for employees and their dependents of missouri bankers association member organizations.","year":2021,"name":"MISSOURI BANKERS ASSOCIATION - VOLUNTARY EMPLOYEES BENEFICIARY ASSN","phone":5736368151,"website":"WWW.MOBANKERS.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"THOMAS R PAGE","year_formation":1976,"state_legal_domicile":"MO","total_volunteers":8,"tax_period_begin":"2021-01-01T00:00:00","tax_period_end":"2021-12-31T00:00:00","address":"207 E CAPITOL AVE, JEFFERSON CITY, MO, 65101, USA","city":"JEFFERSON CITY","state":"MO","country":"USA","zip_code":65101},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":8,"Number of independent voting members":8,"Number of employees total":0,"Total Gross UBI":11315,"Net unrelated business taxable income":0,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":27015918,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":24843817,"Total revenue":24843817,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":11448,"Investment income total":11315,"Net investment gain":133,"Income from invest bond proceeds":0},"Other revenues":{"value":2160653,"Other total":2160653,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":26548697,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":21105916,"Benefits paid to members Total":21105916},"Salaries":{"value":0,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":5442781,"Management services":0,"Legal":11584,"Accounting":22750,"Lobbying services":0,"Investment management fees":4891,"Other services":83225,"Advertising":0,"Office expenses":0,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":90500,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":5202751,"INSURANCE PREMIUMS":1807196,"UR/NETWORK FEES":1730913,"ADMINISTRATIVE FEES":932134,"CLAIMS PROCESSING":732508},"All other expenses":27080},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":2033711,"Non-interest bearing cash":141681,"Savings and temp cash investments":404002,"Pledges and grants receivable":0,"Accounts receivable":1487279,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":749,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":3102664,"Sum of Total Liabilities":0,"Accounts payable, accrued":541005,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":2561659},"Fund balance":{"value":-1068953,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.017294285539362388,"percentile":0.44509820185913934},"Liabilities to Assets Ratio":{"score":1.5256169632755097,"percentile":0.02643908146560412},"Operating Reserve Ratio":{"score":0.07660304383299867,"percentile":0.057210222827867335},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.00538467615590247,"percentile":0.3937160312678216},"Asset Growth":{"score":-0.17829363552228858,"percentile":0.06120453837542443},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.44742639638594134,"percentile":0.2061758069331889}},"source_xml":"202202089349301100_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["MICHAEL W ANDERSON","DWAYNE A FALK","JESSICA E GREEN","ROBERT E MICKEY","DOUG FISH","JILL NIECE","KIM REIGELSBERGER"],"Title":["CHAIRMAN","VICE-CHAIRMAN","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE"],"Hours":[0.5,0.5,0.5,0.5,0.5,0.5,0.5],"Total Compensation":[0,0,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Mba-veba offers insurance benefits for employees and their dependents of missouri bankers association member organizations.","year":2024,"name":"MISSOURI BANKERS ASSOCIATION - VOLUNTARY EMPLOYEES BENEFICIARY ASSN","phone":5736368151,"website":"WWW.MOBANKERS.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"MICHAEL W ANDERSON","year_formation":1976,"state_legal_domicile":"MO","total_volunteers":7,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"207 E CAPITOL AVE, JEFFERSON CITY, MO, 65101, USA","city":"JEFFERSON CITY","state":"MO","country":"USA","zip_code":65101},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":0,"Total Gross UBI":27727,"Net unrelated business taxable income":0,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":19838427,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":19798359,"Total revenue":19798359,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":27727,"Investment income total":27727,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":12341,"Other total":12341,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":20202606,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":17860169,"Benefits paid to members Total":17860169},"Salaries":{"value":0,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":2342437,"Management services":0,"Legal":0,"Accounting":32200,"Lobbying services":0,"Investment management fees":3596,"Other services":43533,"Advertising":0,"Office expenses":0,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":91788,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2169907,"INSURANCE PREMIUMS":1002363,"ADMINISTRATIVE FEES":925290,"CLAIMS PROCESSING":236875,"ACA TAXES":5379},"All other expenses":1413},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":504998,"Non-interest bearing cash":448851,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":11814,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":44333,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":364813,"Sum of Total Liabilities":0,"Accounts payable, accrued":260457,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":104356},"Fund balance":{"value":140185,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.018357251812353873,"percentile":0.3418925509494304},"Liabilities to Assets Ratio":{"score":0.7224048412072919,"percentile":0.0902286503679742},"Operating Reserve Ratio":{"score":0.024996676171381058,"percentile":0.03350633020624021},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.0449852992367238,"percentile":0.23054237144830508},"Asset Growth":{"score":-0.1628341292704959,"percentile":0.06734276711486147},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.41246166949126317,"percentile":0.14209351563670222}},"source_xml":"202503079349303580_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}