2026-03-02T16:11:24-06:00 2025-09-30 431109768 KPM CPAS PC 1445 E REPUBLIC ROAD SPRINGFIELD MO 65804 990 2024-10-01 430889695 RURAL MISSOURI INCORPORATED RURA 5736340560 3324 EMERALD LANE JEFFERSON CITY MO 65109 ZOLA FINCH EXECUTIVE DIRECTOR 5736340560 2026-02-25 1 1 KEITH M SEIWERT CPA P00825444 4178824300 2026-02-25 2024 2025-03-06 01:10:19Z ZOLA FINCH 3324 EMERALD LANE JEFFERSON CITY MO 65109 3568820 0 X WWW.RMIINC.ORG X 1966 MO PROMOTE ECONOMIC GROWTH IN THE MIDWEST BY SUPPORTING SMALL BUSINESS DEVELOPMENT. 9 9 11 38 0 0 0 0 2930671 3064394 420223 504426 0 0 3350894 3568820 0 0 0 0 1750491 2668664 0 0 0 720044 953382 2470535 3622046 880359 -53226 11367304 12075870 837496 1599288 10529808 10476582 X RMI'S PURPOSE IS TO FURTHER PROMOTE THE ECONOMIC AND COMMERCIAL DEVELOPMENT OF STATES SITUATED IN THE MIDWESTERN UNITED STATES, PROMOTE AND ASSIST THE GROWTH AND DEVELOPMENT OF SMALL BUSINESS CONCERNS WITHIN RMI'S SERVICE AREA TO BENEFIT RESIDENTS OF THE MIDWESTERN STATES AS MEASURED BY INCREASED EMPLOYMENT, PAYROLL, BUSINESS VOLUME, TAX BASE, AND CITIZEN RETENTION. 0 0 2987067 3064394 DURING FY25, RMI APPROVED 1 IRP LOAN TOTALING $80,746. DURING FY25, RMI FUNDED 1 INTERMEDIARY RELENDING PROGRAM (IRP) LOAN TOTALING $80,746 (ALL IRP LOANS THAT WERE APPROVED DURING THE FISCAL YEAR WERE ALSO FUNDED). SIX RMI DIRECT LOANS WERE APPROVED, TOTALING $1,317,511. APPROVALS FOR THE 504 LOAN PROGRAM FY 2025 WERE 7 KS LOANS TOTALING $10,837 MILLION; 17 AR SBA 504 LOANS TOTALING $12.491 MILLION; AND 34 MO SBA 504 LOANS TOTALING $49,193 MILLION; 1 FL SBA 504 LOAN TOTALING $500,000; 2 IL 504 LOANS TOTALING $6.567 MILLION RMI CREATED 374 JOBS AND RETAINED 981 JOBS. 2987067 1 0 0 0 0 0 0 0 0 0 1 1 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 15 0 1 11 1 0 0 0 0 0 0 0 0 0 0 0 0 X 9 9 0 0 0 0 1 1 0 1 1 0 0 1 1 1 1 1 1 1 1 0 X ZOLA FINCH 5736340560 3324 EMERALD LANE JEFFERSON CITY MO 65109 CHARLES HACHTEL PRESIDENT 40.00 X X 0 0 0 GENE WISEMAN RETIRED 725 PAST PRESIDENT 40.00 X X 0 0 0 MICHAEL DENIGHT VICE PRESIDENT 40.00 X X 0 0 0 SHAYNA LANE SEC./TREAS. 40.00 X X 0 0 0 TIM HAGENHOFF DIRECTOR 1.00 X 0 0 0 CHRISSY SHUMARD DIRECTOR 1.00 X 0 0 0 JANE HOOD DIRECTOR 1.00 X 0 0 0 EILEEN JENNINGS DIRECTOR 1.00 X 0 0 0 KYLE THOMPSON DIRECTOR 1.00 X 0 0 0 MARTIN SWOPE DIRECTOR 1.00 X 0 0 0 JEFF SEIFRIED RETIRED 725 DIRECTOR 1.00 X 0 0 0 ZOLA FINCH EXECUTIVE DIRECTOR 40.00 X 312381 0 30655 MELINDA MURRAY SR. LOAN OFFICER 40.00 X 227485 0 40087 MARK DILIBERTO SR. LOAN OFFICER 40.00 X 203054 0 57674 WESLEY DARNELL LOAN OFFICER 40.00 X 162224 0 26065 LUCAS BERHOST LOAN SERVICING MGR. 40.00 X 126999 0 23031 1032143 0 177512 5 0 1 0 ANNETE DARNELL 1600 ARBOUR LEBANON MO 65536 MKTG/PACKAGING 186627 1 SERVICE FEE REVENUE 522291 3062230 3062230 OTHER INCOME 900099 2164 2164 3064394 504426 504426 3568820 3064394 0 504426 1108656 631934 476722 1262618 1258443 4175 92170 79731 12439 107522 86665 20857 97698 78158 19540 117703 94163 23540 95498 76398 19100 49403 39522 9881 48394 38716 9678 92217 73774 18443 49362 39489 9873 77570 77570 15529 15529 1337 1070 267 17084 13667 3417 35235 28188 7047 LOANS & PROGRAMS EXPENS 337050 337050 CREDIT LOSSES 17000 17000 3622046 2987067 634979 0 100 100 5469353 4103789 22865 5282989 6196737 11120 11451 894630 330837 580877 563793 1200000 11367304 12075870 374842 437967 328745 292663 133909 114681 0 753977 837496 1599288 X 10529808 10476582 10529808 10476582 11367304 12075870 -53226 0 X 0 1 X 0 0 X 2817317 2719189 2815918 2930671 3064394 14347489 2817317 2719189 2815918 2930671 3064394 14347489 0 0 0 14347489 223216 250134 292526 420223 504426 1690525 223216 250134 292526 420223 504426 1690525 8003 26100 7571 41674 3048536 2995423 3116015 3350894 3568820 16079688 0.89230 0.89170 0.10510 0.10340 X 315000 315000 488867 254649 234218 90763 76188 14575 563793 METLIFE FUNDING AGREEMENT 1200000 C 1200000 ACCRUED DEFERRED COMPENATION - ED 753977 753977 X 3568820 0 3568820 0 3568820 3622046 0 3622046 0 3622046 PART X, LINE 2: THE ORGANIZATION HAS ANALYZED THE TAX POSITIONS TAKEN AND HAS CONCLUDED THAT AS OF SEPTEMBER 30, 2025 AND 2024, THERE ARE NO UNCERTAIN POSITIONS TAKEN, OR EXPECTED TO BE TAKEN, THAT WOULD REQUIRE RECOGNITION OF A LIABILITY OR DISCLOSURE IN THE FINANCIAL STATEMENTS. A TAX LIABILITY WOULD BE RECOGNIZED IF THE ORGANIZATION HAS TAKEN AN UNCERTAIN POSITION THAT MORE LIKELY THAN NOT WOULD NOT BE SUSTAINED UPON EXAMINATION BY TAXING AUTHORITIES. THE ORGANIZATION IS SUBJECT TO ROUTINE AUDITS BY TAXING JURISDICTIONS; HOWEVER, THERE ARE CURRENTLY NO AUDITS FOR ANY TAX PERIODS IN PROGRESS. THE ORGANIZATION DOES NOT BELIEVE IT LIKELY THAT CHANGES WILL OCCUR WITHIN THE NEXT FISCAL YEAR THAT WILL HAVE A MATERIAL IMPACT ON THE FINANCIAL STATEMENTS. X X X 0 0 0 0 0 0 0 0 0 ZOLA FINCH EXECUTIVE DIRECTOR 240513 0 71868 0 0 0 25202 0 5453 0 343036 0 0 0 MELINDA MURRAY SR. LOAN OFFICER 174985 0 52500 0 0 0 18410 0 21677 0 267572 0 0 0 MARK DILIBERTO SR. LOAN OFFICER 152289 0 50765 0 0 0 17734 0 39940 0 260728 0 0 0 WESLEY DARNELL LOAN OFFICER 124446 0 37778 0 0 0 13378 0 12687 0 188289 0 0 0 LUCAS BERHOST LOAN SERVICING MGR. 96931 0 30068 0 0 0 10544 0 12487 0 150030 0 0 0 FORM 990, PART VI, SECTION A, LINE 6 RMI HAS A VOLUNTEER MEMBERSHIP OF 46 INDIVIDUALS FROM LENDING INSTITUTIONS, BUSINESSES, COMMUNITY ORGANIZATIONS AND GOVERNMENT ECONOMIC DEVELOPMENT ORGANIZATIONS. THERE IS ONLY ONE CLASS OF MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A BOARD ELECTIONS ARE HELD ANNUALLY IN JULY, AND MEMBERS VOTE TO FILL BOARD POSITIONS IN ACCORDANCE WITH TERM LIMITS AND OTHER REQUIREMENTS ESTABLISHED IN THE BYLAWS. FORM 990, PART VI, SECTION B, LINE 11B FORM 990 IS REVIEWED BY THE EXECUTIVE DIRECTOR AND MADE AVAILABLE TO THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION B, LINE 12C EACH DIRECTOR, MEMBER, OFFICER, AND EMPLOYEE SHALL BE PROVIDED WITH AND ASKED TO REVIEW A COPY OF THE CONFLICT OF INTEREST POLICY AND TO ACKNOWLEDGE IN WRITING COMPLIANCE WITH THE ORGANIZATION'S CONFLICT OF INTEREST POLICIES. THEY MUST DISCLOSE THE EXISTENCE OF A POSSIBLE CONFLICT OF INTEREST. ONCE DISCLOSED, THE BOARD REVIEWS THE SITUATION AND DETERMINES IF A CONFLICT EXISTS. THE BOARD WILL VOTE TO ACCEPT OR REJECT THE TRANSACTION WITH THE INTERESTED PERSON. THE INTERESTED PERSON IS NOT ALLOWED TO VOTE. FORM 990, PART VI, SECTION B, LINE 15 ANNUAL INDUSTRY AND MARKET COMPENSATION AND BENEFIT STUDIES ARE OBTAINED. THOSE ARE ANNUALLY REVIEWED BY THE BOARD OF DIRECTORS. IN ADDITION, AN ANNUAL EVALUATION OF THE EXECUTIVE DIRECTOR IS ALSO CONDUCTED TO EVALUATE JOB PERFORMANCE. THE BOARD OF DIRECTORS MAKES THE FINAL DETERMINATION OF COMPENSATION. THE EXECUTIVE DIRECTOR (ED) PROVIDES A VERBAL PERFORMANCE REPORT TO THE DIRECTORS AT THE END OF THE FISCAL YEAR, INCLUDING, BUT NOT LIMITED TO, STAFF ACCOMPLISHMENTS AND PROBLEM AREAS, CHANGES IN STAFFING AND DUTIES, PROGRAM PERFORMANCE AND FISCAL RESULTS. THE ED RECOMMENDS A POOL FOR SALARY INCREASES AND ADJUSTMENT AND A BONUS POOL FOR STAFF. COMPARABLE PAY SCALES ARE PRESENTED, EITHER FROM FORMAL WAGE AND COMP STUDIES, SUCH AS THE BI-ANNUAL NADCO INDUSTRY STUDY, OR INTERNAL AND INFORMAL RESEARCH THROUGH DISCUSSIONS WITH EMPLOYERS IN THE AREA OR REVIEW OF OTHER ORGANIZATIONS' 990 TAX RETURN. THE BOARD OF DIRECTORS PROVIDES A POOL FOR SALARY ADJUSTMENTS AND BONUSES FOR THE ED TO DISTRIBUTE TO STAFF AT THE ED'S DISCRETION AND SETS THE ED'S COMPENSATION. FORM 990, PART VI, SECTION C, LINE 19 GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, FINANCIAL STATEMENTS AND FORM 990 ARE AVAILABLE UPON REQUEST.