Nonprofit · EIN 43-0889695
RURAL MISSOURI INCORPORATED
Tax-exempt · JEFFERSON CTY, MO 65109
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| September 30, 2025 | 990 | $3,568,820 | $3,622,046 | -$53,226 | $12,075,870 | $1,599,288 | $10,476,582 |
| September 30, 2024 | 990 | $3,350,894 | $2,470,535 | $880,359 | $11,367,304 | $837,496 | $10,529,808 |
| September 30, 2023 | 990 | $3,116,015 | $2,597,276 | $518,739 | $10,376,576 | $461,635 | $9,914,941 |
Financial details: 990 for the year ended September 30, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $3,064,394
- Investment income
- $504,426
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $1,108,656
- Other salaries and wages
- $1,262,618
- Salaries, compensation and benefits (total)
- $2,668,664
- Professional fundraising fees
- $0
- Legal fees
- $117,703
- Accounting fees
- $95,498
- Occupancy
- $49,362
- Travel
- $77,570
- Depreciation
- $17,084
- Program services (functional)
- $2,987,067
- Management and general (functional)
- $634,979
Balance sheet and other
- Total assets, start of year
- $11,367,304
- Total assets, end of year
- $12,075,870
- Total liabilities, end of year
- $1,599,288
- Net assets, end of year
- $10,476,582
- Land, buildings and equipment
- $563,793
- Net assets without donor restrictions
- $10,476,582
- Gross receipts
- $3,568,820
- Employees
- 11
- Volunteers
- 38
- Year formed
- 1966
- State of legal domicile
- MO
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended September 30, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| ZOLA FINCH | EXECUTIVE DIRECTOR Officer | 40 | $312,381 | $30,655 |
| MELINDA MURRAY | SR. LOAN OFFICER Highest-paid employee | 40 | $227,485 | $40,087 |
| MARK DILIBERTO | SR. LOAN OFFICER Highest-paid employee | 40 | $203,054 | $57,674 |
| WESLEY DARNELL | LOAN OFFICER Highest-paid employee | 40 | $162,224 | $26,065 |
| LUCAS BERHOST | LOAN SERVICING MGR. Highest-paid employee | 40 | $126,999 | $23,031 |
| CHARLES HACHTEL | PRESIDENT Trustee or director, Officer | 40 | $0 | $0 |
| GENE WISEMAN RETIRED 725 | PAST PRESIDENT Trustee or director, Officer | 40 | $0 | $0 |
| MICHAEL DENIGHT | VICE PRESIDENT Trustee or director, Officer | 40 | $0 | $0 |
| SHAYNA LANE | SEC./TREAS. Trustee or director, Officer | 40 | $0 | $0 |
| TIM HAGENHOFF | DIRECTOR Trustee or director | 1 | $0 | $0 |
| CHRISSY SHUMARD | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JANE HOOD | DIRECTOR Trustee or director | 1 | $0 | $0 |
| EILEEN JENNINGS | DIRECTOR Trustee or director | 1 | $0 | $0 |
| KYLE THOMPSON | DIRECTOR Trustee or director | 1 | $0 | $0 |
| MARTIN SWOPE | DIRECTOR Trustee or director | 1 | $0 | $0 |
1 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| JEFF SEIFRIED RETIRED 725 | DIRECTOR Trustee or director | 1 | $0 |
990 for the year ended September 30, 2024: 16 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| ZOLA FINCH | EXECUTIVE DI Officer | 40 | $296,210 | $23,391 |
| MARK DILIBERTO | SR. LOAN OFF Highest-paid employee | 40 | $198,182 | $35,460 |
| MELINDA MURRAY | SR. LOAN OFF Highest-paid employee | 40 | $211,358 | $17,774 |
| WESLEY DARNELL | LOAN OFFICER Highest-paid employee | 40 | $151,222 | $19,107 |
| LUCAS BERHOST | LOAN SERVICI Highest-paid employee | 40 | $121,338 | $14,738 |
| GENE WISEMAN | PRESIDENT Trustee or director, Officer | 40 | $0 | $0 |
| CHARLES HACHTEL | VICE PRESIDE Trustee or director, Officer | 40 | $0 | $0 |
| SHAYNA LANE | SECR./TREAS. Trustee or director, Officer | 40 | $0 | $0 |
| TIM HAGENHOFF | DIRECTOR Trustee or director | 1 | $0 | $0 |
| CHRISSY SHUMARD | DIRECTOR Trustee or director | 1 | $0 | $0 |
| MICHAEL DENIGHT | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JANE HOOD | DIRECTOR Trustee or director | 1 | $0 | $0 |
| EILEEN JENNINGS | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JEFF SEIFRIED | DIRECTOR Trustee or director | 1 | $0 | $0 |
| KYLE THOMPSON | DIRECTOR Trustee or director | 1 | $0 | $0 |
| MARTIN SWOPE | DIRECTOR Trustee or director | 1 | $0 | $0 |
990 for the year ended September 30, 2023: 13 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| ZOLA FINCH | Executive Dir. Officer | 40 | $279,515 | $25,606 |
| EILEEN JENNINGS | Director Trustee or director | 1 | $0 | $0 |
| TIM HAGENHOFF | Director Trustee or director | 1 | $0 | $0 |
| CRISSY SHUMARD | Director Trustee or director | 1 | $0 | $0 |
| MICHAEL DENIGHT | Director Trustee or director | 1 | $0 | $0 |
| JANE HOOD | Director Trustee or director | 1 | $0 | $0 |
| JEFF SEIFRIED | Director Trustee or director | 1 | $0 | $0 |
| GENE WISEMAN | President Officer | 1 | $0 | $0 |
| CHARLES HATCHEL | Vice President Officer | 1 | $0 | $0 |
| SHAYNA LANE | SECR./TREAS. Officer | 1 | $0 | $0 |
| MINDY MURRAY | SENIOR LOAN OFFICE | 40 | $0 | $0 |
| LUCAS BERHORST | PORTFOLIO MGR | 40 | $0 | $0 |
| WESLEY DARNELL | PORTFOLIO MGR | 40 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 3324 EMERALD LN, JEFFERSON CTY, MO 65109-6877
- Principal officer (990 for 2024)
- ZOLA FINCH, 3324 EMERALD LANE, JEFFERSON CITY, MO 65109
- Signed the 990
- ZOLA FINCH, EXECUTIVE DIRECTOR
- Phone
- (573) 634-0560
- Website
- WWW.RMIINC.ORG
- Return prepared by
- KPM CPAS PC
Mission
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.
Program accomplishments
- 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.Expenses $2,987,067 · revenue $3,064,394
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in September, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | September 30, 2026 | February 15, 2027 | Not due yet |
| 2024 | September 30, 2025 | February 16, 2026 | 990 on file |
| 2023 | September 30, 2024 | February 17, 2025 | 990 on file |
IRS record
- EIN
- 43-0889695
- Tax-exempt status
- 501(c)(3): Charitable, religious, educational or scientific organization
- Foundation status
- Publicly supported organization (170(b)(1)(A)(vi))
- Donations deductible (Pub 78)
- Public charity, 50% deduction limit
- Exempt since
- 1967
- Accounting year ends
- September
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Employment (J200)
- Assets (IRS master file)
- $12,075,870
- Income (IRS master file)
- $3,568,820
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | September 2025 | $3,568,820 | $3,622,046 | $12,075,870 | XML |
| 990 | September 2024 | $3,350,894 | $2,470,535 | $11,367,304 | XML |
| 990 | September 2023 | $3,116,015 | $2,597,276 | $10,376,576 | XML |
| 990 | September 2022 | $2,995,423 | $2,720,482 | $9,731,881 | IRS |
| 990 | September 2021 | – | – | – | IRS |
| 990 | September 2020 | – | – | – | IRS |
| 990 | September 2019 | – | – | – | IRS |
| 990 | September 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 43-0889695).
Questions about RURAL MISSOURI INCORPORATED
- What is the EIN of RURAL MISSOURI INCORPORATED?
- The employer identification number (EIN) of RURAL MISSOURI INCORPORATED is 43-0889695.
- Is RURAL MISSOURI INCORPORATED tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 1967.
- Are donations to RURAL MISSOURI INCORPORATED tax-deductible?
- Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
- Which annual return does RURAL MISSOURI INCORPORATED file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of RURAL MISSOURI INCORPORATED due?
- The return for tax year 2025 (the year ending September 30, 2026) is due February 15, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did RURAL MISSOURI INCORPORATED last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended September 2025.
- Who is the principal officer of RURAL MISSOURI INCORPORATED?
- The 990 for the year ended September 30, 2025 names ZOLA FINCH.
- Who are the officers and directors of RURAL MISSOURI INCORPORATED?
- The 990 for the year ended September 30, 2025 lists 16 people; 5 received compensation from the organization, the highest $312,381 (ZOLA FINCH, EXECUTIVE DIRECTOR).
- How much revenue does RURAL MISSOURI INCORPORATED have?
- On its 990 for the year ended September 30, 2025 it reported revenue of $3,568,820, expenses of $3,622,046 and total assets of $12,075,870 at year end.
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