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Harbor Springs Library

Tax-deductible

Harbor Spgs, MI501(c)(3)Since 1904EducationEIN 38-1722820Revenue $318K in FY2025

On file with the IRSharborspringslibrary.org206 S Spring St, 49740-1500 · Harbor Spgs, MITax-exempt since Oct 1946Publicly supported charity — 170(b)(1)(A)(vi)

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The mission of the Harbor Springs Library is to foster a love of reading, promote lifelong learning, and enrich our community, young and old, by providing free access to a broad range of resources and programs, as well as to serve as stewards of the historic library building.

501(c)(3) charity; gifts are tax-deductible.
100¢ of each $1 spent went to programs.
Run by 1 volunteers and 6 employees.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX · People: Part I, lines 5–6

Before you give

FY2025 · Form 990Independent: from IRS data, not the org
Download 990
IRS status
501(c)(3)
not on the IRS revocation list
Looks good: listed by the IRS and not on the revocation list.
IRS BMF · Auto-Revocation List
Tax-deductible gifts
Yes
Donations are tax-deductible
Looks good: the IRS lists gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2025
latest Form 990
Looks good: the latest return is for FY2025, 1 tax year back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
4 of 6
filings with a surplus
Average surplus $33K a year · 16% of revenue · last 6 filings
Fine: a surplus in 4 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
100%
of spending
Looks good: 100% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Cash reserves
27 mo
of spending, in cash
Looks good: 26.6 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
1
named funder · $2K
Fine: 1 funder names it on their filings; under 3.
Funders’ Sch. I, 990-PF
Liabilities
$630
0.1% of total assets
Looks good: liabilities are 0% of assets; 50% or less.
Pt X · Ln 26
Independent board members
6
of 6 voting members
Looks good: 6 of 6 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$318K
+53% vs prior year
Spent
$220K
To programs
100%
Net assets
$628K
By yearFY2020–FY2025
Revenue
$318K
FY2025▲ +53%
Tap a bar for its year
Revenue by fiscal year
FY2020$199K
FY2021$189K
FY2022$182K
FY2023$173K
FY2024$207K
FY2025$318K
Expenses
$220K
FY2025▼ -10%
Tap a bar for its year
Expenses by fiscal year
FY2020$131K
FY2021$143K
FY2022$115K
FY2023$214K
FY2024$245K
FY2025$220K
Net assets
$628K
FY2025▲ +18%
Tap a bar for its year
Net assets by fiscal year
FY2020$456K
FY2021$502K
FY2022$569K
FY2023$568K
FY2024$530K
FY2025$628K

From the FY2025 Form 990 (year ending September 2025) · see the original

Give Claim

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Oct 1946.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Where the money goes

100 cents of each dollar spent went to programs.

Program services 100% · $220K

Form 990 Part IX, line 25. Every line is in By the numbers.

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Who runs it and what they're paid

9 people listed on the 990.

Part VII, Section A · reportable compensation · most recent filed roster (FY2024); the FY2025 filing did not itemize Part VII
Tim Knapp
President
$0Pt VII · Sec A
Eliece Aiman
Vice President
$0Pt VII · Sec A
$0Pt VII · Sec A
Kate Cohen
Secretary
$0Pt VII · Sec A
Mary Cummings
Treasurer
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
See Harbor Springs Library executive salaries →

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Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Offers public library services to the Harbor Springs area.

Questions for Harbor Springs Library

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Provided by the organization

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1 program · $220K · in their own filed words · FY2024
01

Library services provided to the general public, including childrens activities and storytelling, lectures, Al-Anon, Musicians open mic night, computer classes, computer and interenet access, copy services, digital catalog and melcat services.

$220Kprogram expense

Funders

Who pays for it.

From grant filings on record. Receipts are incomplete: individual donors are never listed.

Grants

Schedule I · funders on record
Grants received · FY2025
Baiardi Family Foundation INCFY2025$2K
Total grants receivedfrom 1 funder$2K

By the numbers

The FY2025 990, line by line.

Download 990
from philanthropy.org
1The main four
Money inPt VIII
$318K
Ln 12
Gifts and grantsLn 1h$260K
Other incomeLn 4–11$47K
Investment incomeLn 3$6K
Money outPt IX
$220K
Ln 25
Programscol B$220K
Owns and owesPt X
$628K
net assets · Ln 32
Cash and savingsLn 1–2$487K
Total assetsLn 16$628K
LiabilitiesLn 26$630
PeoplePt VI, VII
9
listed · VII A
PaidVII A0
Voting boardVI 1a6
IndependentVI 1b6
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$260K
Fundraising eventsLn 1c$11K
Fees for servicesLn 2g$4K
Investment incomeLn 3$6K
Other incomeLn 4–11$47K
Total revenueLn 12$318K
Assets in detailPt X, end of year
CashLn 1$64K
SavingsLn 2$424K
Cash and savings togetherLn 1–2$487K
Land, buildings, equipmentLn 10c$141K
Total assetsLn 16$628K
LiabilitiesLn 26$630
Net assetsLn 32$628K
OperationsPt I, VI
EmployeesI 56
VolunteersI 61
Fiscal year endsHeaderSeptember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY25End FY25
Cash and savingsLn 1–2$386K$487K
Land, buildings, equipmentLn 10c$146K$141K
Total assetsLn 16$533K$628K
LiabilitiesLn 26$3K$630
Net assetsLn 32$530K$628K
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Other salaries and wagesLn 7$89K$89K
Other employee benefitsLn 9$2K$2K
Payroll taxesLn 10$7K$7K
Accounting feesLn 11c$11K$11K
Advertising and promotionLn 12$845$845
Office expensesLn 13$2K$2K
Information technologyLn 14$6K$6K
OccupancyLn 16$30K$30K
Depreciation, depletion and amortizationLn 22$6K$6K
InsuranceLn 23$4K$4K
Other expenses (24a–d)Ln 24$17K$17K
All other expensesLn 24e$44K$44K
Total functional expensesLn 25$220K$220K$0$0

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest Viewing $318K$220K$98K$628K 990 PDF
FY2024 $207K$245K−$38K$530K 990 PDF
FY2023 $173K$214K−$41K$568K 990 PDF
FY2022 $182K$115K$67K$569K 990 PDF
FY2021 $189K$143K$46K$502K 990 PDF
FY2020 $199K$131K$67K$456K 990 PDF

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Schedules filed Part IV

III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash
See the full FY2025 990 (6 parts)
Part I · Summary $317,544 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $136,488$260,373
I-9 Program service revenuePrior year $2,998$4,161
I-10 Investment incomePrior year $27,088$6,471
I-11 Other revenuePrior year $40,337$46,539
I-12 Total revenuePrior year $206,911$317,544
I-13 Grants and similar amounts paid$0
I-14 Benefits paid to members$0
I-15 Salaries and benefitsPrior year $89,825$97,592
I-16a Professional fundraising fees$0
I-17 Other expensesPrior year $155,074$122,291
I-18 Total expensesPrior year $244,899$219,883
I-19 Revenue less expensesPrior year −$37,988$97,661
Part VI · Governance 6 of 6 board members independent, no flags
VI-1a Voting members of the governing body6
VI-1b Independent voting members6
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-13 Written whistleblower policyYes
VI-14 Document retention and destruction policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $317,544 across 8 lines filed
VIII-1c Fundraising events$11,483
VIII-1f All other contributions, gifts and grants$248,890
VIII-1h Total contributions, gifts and grants$260,373
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $4,161$4,161
VIII-3 Investment incomeRelated to mission $6,471$6,471
VIII-6 Net rental income or lossRelated to mission $46,539$46,539
VIII-8 Net income from fundraising events$0
VIII-12 Total revenueRelated to mission $57,171 · Unrelated business $0 · Excluded from tax $0$317,544
Part IX · Statement of functional expenses $219,883 across 12 lines filed
IX-7 Other salaries and wagesPrograms $88,904$88,904
IX-9 Other employee benefitsPrograms $1,898$1,898
IX-10 Payroll taxesPrograms $6,790$6,790
IX-11c Accounting feesPrograms $11,080$11,080
IX-12 Advertising and promotionPrograms $845$845
IX-13 Office expensesPrograms $2,416$2,416
IX-14 Information technologyPrograms $5,771$5,771
IX-16 OccupancyPrograms $30,489$30,489
IX-22 Depreciation, depletion and amortizationPrograms $5,706$5,706
IX-23 InsurancePrograms $4,385$4,385
IX-24 Other expenses (24a–d)Programs $17,414$17,414
IX-24e All other expensesPrograms $44,185$44,185
IX-25 Total functional expensesPrograms $219,883 · Management $0 · Fundraising $0$219,883
Part X · Balance sheet $628,269 assets, 11 lines filed
X-1 Cash, non-interest-bearingStart of year $81,019$63,610
X-2 Savings and temporary cash investmentsStart of year $304,957$423,630
X-8 Inventories for sale or useStart of year $485$485
X-10c Land, buildings and equipment, netStart of year $146,250$140,544
X-16 Total assetsStart of year $532,711$628,269
X-17 Accounts payable and accrued expensesStart of year $2,733$630
X-26 Total liabilitiesStart of year $2,733$630
X-27 Net assets without donor restrictionsStart of year $501,190$619,661
X-28 Net assets with donor restrictionsStart of year $28,788$7,978
X-32 Total net assets or fund balancesStart of year $529,978$627,639
X-33 Total liabilities and net assetsStart of year $532,711$628,269
Part XI · Reconciliation of net assets $627,639 net assets at year end
XI-1 Total revenue$317,544
XI-2 Total expenses$219,883
XI-3 Revenue less expenses$97,661
XI-4 Net assets at start of year$529,978
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$627,639

Form 990 e-file (XML) FY2025 from the IRS · Classification, formation year and address from the IRS Business Master File

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