CATCHNeighborhood Housing

2011 Annual Report

“Luxuries are never so comfortable as are the familiar, ordinary things of home.”

Eucharista Ward

VisionA community where every person is confi dent of a home.

MissionWe strengthen our community by creating opportunities for permanently aff ordable, quality housing for people otherwise not being served.

2 CATCH Neighborhood Housing

Caite Foley, Project Manager

Helen M. Greene, Chief Financial Offi cer

Rosemary M. Heard, President & CEO

George Helwig, Director of Education and Counseling

Caitlin Murphy, Director of Development & Marketing

Mike Reed, Director of Real Estate and Asset Management

Amber Vrooman, Bookkeeper andAdministrative Assistant

CATCH Neighborhood Housing Staff

This Annual Report is dedicated to the memory of our friend and colleague,

Helen M. Greene.

Greetings from the Chair of the Board and President

2011 Annual Report 3

A Year of Growth at CATCH Neighborhood Housing

As we begin to rebuild from the economic losses of 2010, let us not forget the continuing household impacts suff ered as a consequence of those losses. Underemployment, unemploy-ment, the foreclosure crisis, and rising property taxes continue to increase the need for housing that is aff ordable to a range of income levels. Energy costs dictate that not only do we have an obligation to create energy effi cient housing opportunities — we have an obligation to locate housing close to centers of employment.

In fi scal year 2011, with the continued support of our generous supporters, CATCH rose to meet the challenge. Twenty new, aff ordable rental apartments, known as Bow Highlands, were completed. We also broke ground on 45 aff ordable rental apartments located on Storrs Street in the city of Concord, which will have a preference for income-qualifi ed artists for half of the units in support of the Creative Economy in Concord. By the end of 2011, CATCH’s reinvestment of your donated support will total $38,000,000 in local communities, positively impacting hundreds of lives in a most fundamental way.

David K. Fries, Esq. Rosemary M. HeardChair, Board of Directors President & CEO

Our Home Buyer and Financial Success Center served its 1,000th household since we opened our doors in 2000, and of those who have attended fi rst-time homebuyer classes, 267 known households have purchased homes totaling $39,830,101. As one of the only certifi ed Home Equity Conversion Mortgage counselors in the state, staff have provided counseling for 195 senior households, making it possible for seniors to choose to remain in their homes, and to do so in a fully informed way. In response to the foreclosure crisis, 309 households have been counseled on foreclosure-related issues since CATCH began providing foreclosure counseling on October 1, 2006. Additionally, 11 households are enrolled in the Individual Development Account program, and are currently saving toward a home.

We are not simply telling our story, we are telling the story of the impact of your continued support of our organization, for which we are truly grateful. We look forward to building on our successes, and continuing to create communities where every person is confi dent of a home.

4 CATCH Neighborhood Housing

Bow Highlands

“Bow is a beautiful town, with great residents, a great community and great schools. I am thrilled that twenty new families will be able to live here thanks to CATCH.”

-David Fries, Chair of CATCH’s Board of Directors and Bow resident

Above: Cutting the ribbon on the twenty new, aff ordable rental apartments at Bow Highlands. Inset: U.S. Dept. of Housing and Urban Development Secretary Shawn Donovan visits Bow Highlands.

2011 Annual Report 5

Mennino Place

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.

Mennino Place is CATCH’s newest aff ordable rental development in downtown Concord, and will provide 45 one- and two-bedroom apartments for low- and moderate-income people in our community. Half of the units will have a preference for income-qualifi ed artists, which will support Concord’s creative economy and honor the legacy of the building’s namesake, M.T. Mennino.

The fi rst residents of this new building began moving in during November of 2011. One of the fi rst residents to move in posted photos of her new home on CATCH’s Facebook page. Accompanying a photo of a bedroom decked out in Red Sox and Mickey Mouse, Jessica writes: “MY room... I don’t have to share with anyone!!! I LOVE IT!!”

Left: Artist and sculptor Chance Anderson unveils his sculpture honoring the memory of M.T. Mennino outside of Mennino Place.

Inset: Supporters and Board members tour the newly completed Mennino Place.Below: Early construction progress at Mennino Place.

Home Buyer & Financial Success Center - Helping Families Realize the American DreamFor many low- and moderate-income families in Merrimack County, owning their own home is the fi rst step in asset building and wealth accumulation that will empower and allow them to live and work in the economic mainstream.

High rental costs in Merrimack County make it diffi cult for these families to save money for a down payment on a home, and having the opportunity to have an Individual Development Account (where their savings are matched 3:1) is often the diff erence between building equity they can benefi t from and

leave to their children - or continuing to move from apartment to apartment where there is no fi nancial gain.

The Home Buyer & Financial Success Center (HBFSC) at CATCH helps low- and moderate-income families become home owners and increase their fi nancial stability through a three-pronged approach of fi nancial fi tness and home buyer education classes, one-on-one housing counseling and by providing connections to community resources and grant opportunities.

CATCH thanks Merrimack County Savings Bank, Lead Sponsor of the Home Buyer & Financial Success Center, fortheir ongoing support and commitment to the community.

6 CATCH Neighborhood Housing

In the past year...• 59 households participated in fi rst-time home buyer education

• 89 families received one-on-one housing counseling to help prepare them for homeownership and long-term fi nancial stability and success

• 22 individuals and families purchased their fi rst home

• 8 low-income individuals participated in the Individual Development Account (IDA) program, which matched their savings with $3 for every dollar saved

• 3 IDA participants purchased a home

• 100 homeowners received advice related to foreclosure over the phone

• 82 homeowners received in-person foreclosure counseling

• Of those, 67 percent did not lose their home to foreclosure

• 98 senior households received counseling regarding reverse mortgages (or Home Equity Conversion Mortgages) to ensure they make the right choice for their future

2011 Annual Report 7

Comedy Night

On February 12, 2011, the Capitol Steps brought their hilarious brand of musical political satire to the Capitol Center for the Arts for the 17th Annual CATCH Comedy Night.

Prior to the show, supporters and friends of CATCH attended a reception, which featured a silent auction with many trips, packages and fabulous items to bid on.

At the reception, CATCH presented Michael LaFontaine of the New Hampshire Community Loan Fund with the Housing Hero Award for his many years of dedication to aff ordable housing in the state and commitment to CATCH’s vision of

A Community Where Every Person is Confi dent of a Home.

CATCH awarded the Outstanding Business of the Year Award to Bread and Chocolate for its continued support and generosity through countless donations to support CATCH’s many events throughout the year.

Allyson Ryder of Leadership New Hampshire was presented with the Volunteer of the Year Award. Allyson has volunteered for CATCH for only a few short years, but her committment to CATCH’s mission and fundraising savvy have made her an indispensable part of the CATCH family.

8 CATCH Neighborhood Housing

Eileen Sleeper

Recognizing VolunteersCATCH Neighborhood Housing’s success in providing aff ordable housing, housing counseling andeducation is a result of having committed donors, supporters and volunteers. The Board of Directors of CATCH is especially important as their experience, skills and talent guide CATCH’s mission and vision and help ensure the adherence to best practice standards within the organization. This year, CATCH said a fond farewell to three longstanding

and dedicated members of the Board of Directors: Eileen Sleeper, Richard Swett and Frank Boucher. These individuals’ commitment to the community was shown through their participation on CATCH’s Board and its various committees. We off er our sincerest thanks and deep gratitude for Eileen, Dick and Frank’s support and dedication to CATCH and to our community.

Richard Swett

Board of Directors David Fries, Esq., Chair Bow

Rob Lanney, Esq., Vice ChairConcord

John Valickus, TreasurerBedford

Tom Neal, Esq., Secretary Bow

Anne Saunders, Assistant Secretary Concord

Alice Blodgett Concord

Shamecca BrownConcord

Mark Ciborowski Concord

Michael Donovan, Esq.Concord

David KidderNew London

Allyson RyderPenacook

Charlene ValleeChichester

Jackie Whatmough Concord

Committee MembersFrank Boucher(Asset Management, Finance)

Holly Burrows (Musical Tribute)

David Fries, Esq. (Development, Executive, Nominating)

Charles Gerhan (Finance)

John Gilbert (Asset Management)

Aidan Henderson (Musical Tribute)

Rob Lanney, Esq. (Asset Management, Executive, Nominating)

Paul Lloyd (Musical Tribute)

Steve Martin (Musical Tribute)

Tom Neal (Executive)

Clayton “Skip” Poole (Musical Tribute)

Tom Potter (Finance)

Jim Ramsay (Musical Tribute)

Allyson Ryder (Development, Musical Tribute)

Ellen Sheridan (Development)

Tim Sink (Nominating)

Eileen Sleeper (Development)

Carol Sobelson (Development)

Dick Swett (Nominating)

John Valickus (Development, Executive, Finance, Musical Tribute)

Charlene Vallee (Finance)

Mary Beth Walz (Nominating)

Marcy Weeks (Musical Tribute)

Jackie Whatmough (Nominating)

Ronald A. Wilbur (Nominating)

Frank Boucher

Volunteers Make A Diff erence!

2011 Annual Report 9

Over 75 volunteers, residents and supporters took part in CATCH Community Day on June 4, 2011, to beautify and improve Willow Crossing, CATCH Neighborhood Housing’s aff ordable rental community located on Village Street in Penacook.

Volunteers built a playground, planted beautiful fl owers and greenery, spread new mulch, built a new seating area and provided games and art projects for children.

Willow Crossing is one of CATCH’s aff ordable rental properties, providing 20 families in our community with an aff ordable, attractive, spacious, quality apartment to call home.

CATCH thanks the following sponsors for making CATCH Community Day possible: MB Management, Gary Chicoine Construction, Nobis Engineering, Warrenstreet Architects, First Colebrook Bank, Van Berkum Nursery and LaValley Farms.

10 CATCH Neighborhood Housing

Consolidated Financial Statements March 31, 2011

CURRENT ASSETSCash and cash equivalents $1,051,787 $138,825 $454,845 $1,645,457 Grants and pledges receivable 20,867 20,867Projects in process 3,814,591 3,814,591 Tenant rents receivable 9,787 15,046 24,833Other receivable 4,914 4,286 (4,824) 4,376Notes receivable-interfund 1,176,254 100,000 (1,276,254) Prepaid expenses 21,842 29,801 47,578 99,221Total Current Assets 6,090,255 278,413 521,755 (1,281,078) 5,609,345

Property and Equipment (Net) 547,744 2,218,272 22,595,182 25,361,198

OTHER ASSETSTenant security deposits 44,386 86,653 131,039Investments 118,235 (102,119) 16,116Development and sponsor fees receivable 485,620 (485,620) Notes receivable–other 80,003 80,003 Cash reserves and escrows 556,595 1,067,494 1,624,089Unamortized fi nance fees 257,922 257,922Total Other Assets 683,858 600,981 1,412,069 (587,739) 2,109,169

Total Assets $7,321,857 $3,097,666 $24,529,006 ($1,868,817) $33,079,712

CURRENT LIABILITIESCurrent portion of long-term debt $458,443 $53,587 $54,435 $566,465Short-term notes 3,329,640 3,329,640Accounts payable 6,829 10,902 36,257 (2,664) 51,324Accrued expenses 35,658 76,435 368,879 (277,748) 203,224Notes payable-interfund 240,000 230,911 1,015,375 (1,486,286) Security deposits held 5,886 47,885 102,788 156,559Prepaid rents 992 2,660 1,793 5,445

Total Current Liabilities 4,077,448 422,380 1,579,527 (1,766,698) 4,312,657

MINORITY INTEREST 15,128,756 15,128,756

LONG-TERM LIABILITIES 487,194 1,720,799 7,770,201 9,978,194

Total Liabilities 4,564,642 2,143,179 24,478,484 (1,766,698) 29,419,607

NET ASSETS Unrestricted 1,650,506 954,487 50,522 (102,119) 2,553,396 Unrestricted-designated 18,527 18,527 Temporarily restricted 80,003 80,003Permanently restricted 10,000 10,000Permanently restricted– NeighborWorks 998,179 998,179

Total Net Assets 2,757,215 954,487 50,522 (102,119) 3,660,105

Total Liabilities & Net Assets $7,321,857 $3,097,666 $24,529,006 ($1,868,817) $33,079,712

Program &Supporting

Services

Real Estate

Owned

LIHTC Real

Estate Owned Eliminations

2011Total

ASSETS

LIABILITIES AND NET ASSETS

2011 Annual Report 11

PUBLIC SUPPORT AND REVENUEGrants and Contributions $285,247 $285,247 $285,247Rental Income 84,869 806,581 1,410,767 2,302,217 2,302,217Sponsor and Incentive Management Fees 119,353 (119,353) Developer Fees 425,000 425,000 425,000Investment Income-net 41,789 1,666 3,099 (38,932) 7,622 1,867 9,489Unrealized Gain on Investments 1,447 1,447 1,447Fundraising 48,701 48,701 48,701In-kind Revenue 6,300 6,300 6,300Other Income 4,821 33,266 20,879 (1,800) 57,166 57,166

Total Operating Revenue 1,017,527 841,513 1,434,745 (160,085) 3,133,700 1,867 3,135,567

NET ASSETS RELEASED FROM RESTRICTIONSSatisfaction of Restrictions 1,486 1,486 (1,486)

Total Revenueand Support 1,019,013 841,513 1,434,745 (160,085) 3,135,186 381 3,135,567

EXPENSES Program ExpensesHousing Production 137,189 137,189 137,189Home Buyer and Financial Success Center 178,610 178,610 178,610Asset Management 162,406 162,406 162,406Real Estate Owned 768,746 1,689,339 (160,085) 2,298,000 2,298,000Single Family Predevelopment 180,478 180,478 180,478

MANAGEMENT AND FUNDRAISING EXPENSESFundraising 107,216 107,216 107,216General and administrative 113,382 113,382 113,382

Total Expenses 879,281 768,746 1,689,339 (106,085) 3,177,281 3,177,281

CHANGE IN NET ASSETSBEFORE MINORITYINTEREST 139,732 72,767 (254,594) (42,095) 381 (41,714) Minority Interest (Credit) 254,566 254,566 254,566

CHANGE IN NET ASSETS 139,732 72,767 (28) 212,471 381 212,852

NET ASSETS BEGINNING OF YEAR 1,520,764 890,257 50,550 (102,119) 2,359,452 79,622 1,008,179 3,447,253Transfers 8,537 (8,537)

NET ASSETS, END OF YEAR $1,669,033 $954,487 $50,522 ($102,119) $2,571,923 $80,003 $1,008,179 $3,660,105

Program &Supporting

Services

RealEstate

Owned

LIHTCReal Estate

Owned Eliminations

Un-Restricted

TotalTemp

RestrictedPerm

Restricted2011Total

Detailed fi nancial information is contained in our Audited Financial Statements which are available upon request. Please contact Amber Vrooman, CATCH Neighborhood Housing’s Bookkeeper, by emailing avrooman@catchhousing.org or calling 603-225-8835 ext. 124 to request a copy.

ChampionsAlvin B. Cross TrustBank of AmericaCommunity Development Finance AuthorityGranite United WayU.S. Department of Housing and Urban DevelopmentLincoln Financial FoundationMerrimack County Savings BankNeighborWorks AmericaNew Hampshire Housing Finance AuthorityPeople’s United Community FoundationTD Bank N.A.

PatronsBenjamin Couch TrustThe Arthur M. and Patricia L. Heard Fund

PartnersThe Allstate FoundationConcord Female Charitable SocietyBarbara and Ivor Freeman Charitable FundFrank and Joyce LemayNH Female Charitable SocietyPerfect Choice Properties, Inc.Robert and Susan RockMark Scura and Maureen Redmond-ScuraPat Vasbinder and Victor Montana

SustainersDr. Scott Fabozzi and Mrs. Autumn Van Sice

in honor of Dr. David Green, Dr. Paul Snyder, Dr. William Santis, Dr. Ronald Yap, Dr. Veronica Triaca and Susan Buckley, ARNP

Rob and Ann Lanney

SupportersAnonymousFrank and Debra BoucherDave and Becky CawleyTimothy and Ginger FraserThe Charles and Patricia Gerhan Giving FundWilbur and Hansi GlahnMartin L. Gross and Deirdre Sheerr-GrossChris Hallowell and Cindall MorrisonRose Marie and Raymond LanierAmy and Stanley PostHilary and Jeff rey Warner

AdvocatesEllen and Peter BurgerRobert and Mary DaviesMary and Peter DeVeauJuliana EadesChris Friedman and Barb BeersRosemary and Jonathan HeardPaul Hodes and Peggo Horstmann HodesIgnatius and Eleanor MacLellanMetzger/McGuireJeff rey Morin and Elizabeth Hamlin-MorinDrs. Peter and Susan SaviteerCharles and Ellen SheridanEileen SleeperSt. Andrew’s Episcopal ChurchAnn and Jerry WallsDarcy WaltonMr. and Mrs. Lawrence W. YearkeSusan and Mark Zankel

FriendsAllstate Insurance AgencyJohn and Sharon AndrewsAnonymousWilliam and Elizabeth BardsleyPatricia BassCory Belobrow and Gretchen WittL.R. BergerElizabeth K. BierlinStephen Blackmer and Kelly ShortPeter and Dina BockAnne Burnett and Peter MenardDonald and Katherine BurnsBruce and Sue BurnsBuzy Bristle Painting and Home CarePage CannonAl CantorElizabeth Clardy and Richard NelsonBob and Rosemary CouchBruce CronhardtGeorge and Janet DeVitoMichael and Lisa DonovanMs. Miriam DunnGerald and Anne EatonB.J. EntwisleLucia and Jon EvansFellowship Housing Opportunities, Inc.Jane and Roger FletcherJames and Beth FowlerFranklin Savings BankMatthew Gatzke and Sandra CrystalJane H. Giff ordMary Stuart GileTeri and Cary GladstoneBill and Belinda Glennie

12 CATCH Neighborhood Housing

Donors

Leo and Lorraine GracianoHelen and Jason GreeneMartha HammondJennifer and Jeff HawkinsR. A. HelgemoeGeorge Helwig and Nadine SalleySteven and Elizabeth Durfee HengenHenniker Family DentistryTom and Peg HerbertHermanosRichard and Shirley HesseMargaret HinkleP. HofmanHarlan and Margaret HoytBetsy and Harold JanewayDoug Johnson

Carol SchapiraDonald SheaMichael and Virginia SheehanRick and Judy SilverbergSt. Mary’s BankSt. Peter’s Catholic ChurchSt. Stephen’s Episcopal ChurchSwenson GraniteDennis and Nancy TewksburyDouglas and Sue TheunerThings are CookingNancy TisdaleJohn Tobin and Karen RyanMegan ToddMs. Evanell TrowCharlene and Glen Vallee

2011 Annual Report 13

Donors continued on page 14

“We make a living by what we get, but we make a life by what we give.”

Winston Churchill

Mr. Roger KeiligEileen KeimArthur and Mio KerrJanet KisielewskiMark and Heidi KnipeMike and Millie LaFontaineConnie Boyles-LaneSylvia and Bob LarsenMike and Betty LenehanJeff ery and Serena LevineDeborah and Herb LittleJerome and Susan MaddenMr. Mark MalloryStefan and Linda MattlageBetsy McNamara and Dan HabibRick and Susanna MinardSylvia MiskoeMia Joiner-Moore and Elizabeth MooreDouglas and Marcia MoranChip & Lynne MorganWilliam B. and Nancy A. MorrisonTrudy Mott-SmithStephen and Victoria MulliganCaitlin MurphyJune A. NovoDr. and Mrs. Norman PaysonRuth and Nick PerencevichBrian PierceJohn and Louise PooleRev. Frances D. PotterJohn and Judith RansmeierCollene Edmonds and Steve RothenbergGary RuppertPeter and Lisa Sands

James C. Van DongenDebbie and Rick WatrousMr. and Mrs. John WeberDouglas and Tara WecksteinMarcy WeeksJoan H. WhiteMichael Wimsatt and Chiara DolcinoStephen and Lucy WinshipJohn F. WoolvertonPhilip S. YeatonGary and Susie YorkOge Young, MDJeff Zellers

In-Kind ContributorsAbsolute TitleAllstate InsuranceAmerican Fortress Home Inspection ServicesBank of AmericaBean GroupBeaver Meadow Golf CourseBoston Red SoxCapitol Craftsmen and Romance JewelersChichester MassageCitizens BankColby Insurance GroupColby Real EstateCorner House InnCriterium-Turner Engineers

Donors continued from page 13

D McLeod Floristdrawnonward designsEames Realty ServicesFabulous Looks BoutiqueGibson’s BookstoreJohn Gilbert Gondwana Divine Clothing Co.Grappone Automotive GroupRosemary and Jonathan Heard HouseMasterInfantine InsuranceJonathan Beede HouseKar-Fully MadeKathleen Gallagher Family Realty Robert LanneyLiberty Mutual InsuranceLocke AssociatesManchester MonarchsMerrimack County Savings BankCaitlin Murphy Paramount Settlement ServicesPat’s PeakPerfect Choice PropertiesQuality Cash MarketR.J. Home InspectionsRachelle Lowe, LMTRed River TheatresMike Reed ReMax ConnectionSchaefer MortgageEileen Sleeper Richard and Katrina Swett The Art of TouchThe Balsams Grand Resort HotelThe Barley HouseThe Capitol Center for the ArtsThe Red BlazerThe Works Bakery CaféVan Berkum NurseryWescott, Dyer, Fitzgerald and Nichols, PA

14 CATCH Neighborhood Housing

SponsorshipsCATCH Comedy Night 2011 Gold Level: Milestone EngineeringMcLane, Graf, Raulerson & Middleton, PANorthway Bank

Silver Level: Cleveland Waters and Bass, PANew Hampshire Federal Credit Union Northeast Delta Dental Northern New England Housing Investment Fund Orr & RenoStonyfi eld FarmSulloway & Hollis, PLLC

Bronze Level:Centrix BankJ Walker & Company, LLC

CATCH Community Day 2010 First Colebrook Bank Gary Chicoine Construction Corporation MB ManagementNobis EngineeringVan Berkum NurseryWarrenstreet Architects

This list represents gifts made in CATCH’s Fiscal Year 2011(April 1, 2010 – March 31, 2011).

“The value of a man resides in what he gives and not in what he is capable of receiving.”

Albert Einstein

How You Can Help• Send your personal cash contribution today. CATCH Neighborhood Housing is a 501(c)3 organization and your gifts are tax-deductible.

• Make a pledge and pay with installments over the coming year. CATCH will remind you when your pledge installments are due.

• Encourage your business, religious community, civic group, and your friends and family to give to CATCH. Ask if your company makes matching gifts.

• Transfer stocks – or other assets – to CATCH. This has a two-fold tax saving: you avoid paying any capital gains tax on the increase in value (from the time it was purchased) of the stock and you receive an income tax charitable deduction for the full fair market value of the stock at the time of the gift.

• Charitable Bequest: Include CATCH in your will or other long-range estate plans and save on estate tax dollars.

• Life Income Gifts: Make a major gift to support aff ordable housing by the transfer of cash or stock to CATCH and establish a gift annuity trust which will provide you with a 5% or greater annual return, as compared to the average 2-3% yield.

• Volunteer your time with CATCH.

• Host a luncheon or dinner and introduce CATCH to your business partners and affi liates, who may be interested in supporting aff ordable housing.

• Off er your services or products as in-kind donations to CATCH.

• Ask your management team and employees to donate their time at CATCH events.

• Ask CATCH to provide a home buyer education class or information session at your business for your employees or clients.

• Match gifts that your employees make to CATCH.

Business Partnerships – Please consider the following ways to contribute to CATCH:• Send a donation to CATCH – our success is

contingent upon fi nancial contributions from the business community.

• Purchase tax credits to off set your business enterprise or profi ts tax. For example, a purchase of $10,000 will result in a $7,500 tax credit, and the $10,000 gift ends up costing your company $1,100 and yet $10,000 is directed to CATCH – instead of going to the state government,which it would normally.

• Sponsor a CATCH event such as CATCH Comedy Night, A Musical Tribute or CATCH Community Day.

CATCHNeighborhood Housing

2011 Annual Report 15

CATCH believes every person deserves a quality home that’s within their means – thanks to donors, funders and community partners, CATCH provides 307 aff ordable, attractive, spacious homes for 750 adults and children in Merrimack County. Another 1,200 families have received education and housing counseling through the Home Buyer & Financial Success Center. We could not continue to help local families without your support. Thank you.

If you are interested in learning more about CATCH, its programs, accomplishments and plans for the future, or if you would like to volunteer or become part of our newsletter mailing list, please call Caitlin Murphy, Director of Development and Marketing, at (603) 369-6555 or email cmurphy@catchhousing.org. We look forward to speaking with you!

Learn More About CATCH Neighborhood Housing

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