Civic Intelligence

Cherry Valley Cooperative Insurance Co

EIN 15-0267887 • 501(c)15 • Williamsville, NY

Profile

The organization provides property and casualty insurance to policyholders.

PO Box 9062 8800 Sheridan DriveWilliamsville, NY 14231-9062

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

92nd percentile

0.25x

Higher debt load relative to assets than 92% of similar nonprofits.

501(c)15 • $1M-$5M nonprofits • Source year 2015

Liabilities / Revenue

93rd percentile

1.43x

Higher debt load relative to revenue than 93% of similar nonprofits.

501(c)15 • $1M-$5M nonprofits • Source year 2015

Net Margin

10th percentile

-38%

Higher net margin than 10% of similar nonprofits.

501(c)15 • $1M-$5M nonprofits • Source year 2015

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

66th percentile

4.1%

Faster asset growth than 66% of similar nonprofits.

501(c)15 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Revenue Growth

53rd percentile

9.0%

Faster revenue growth than 53% of similar nonprofits.

$1M-$5M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Up

$1,734,430

Up $67,974 (+4.1%) from 2014

Liabilities

Up

$435,688

Up $185,336 (+74%) from 2014

Net Assets

Down

$1,298,742

Down $117,362 (-8.3%) from 2014

Operations
Liabilities / Revenue93rd percentileNet Margin10th percentile

Revenue

Up

$304,985

Up $25,084 (+9.0%) from 2014

Expenses

Up

$422,251

Up $34,957 (+9.0%) from 2014

Net Income

Down

-$117,266

Down $9,873 (-9.2%) from 2014

Trend Graphs

Balance Sheet Trend

Asset Growth66th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$2.0M$1.5M$1.0M$500K$0Assets 2010: $1,427,793Liabilities 2010: $144,188Net Assets 2010: $1,283,6052010Assets 2011: $1,537,156Liabilities 2011: $152,093Net Assets 2011: $1,385,0632011Assets 2012: $1,656,335Liabilities 2012: $148,125Net Assets 2012: $1,508,2102012Assets 2013: $1,653,170Liabilities 2013: $129,677Net Assets 2013: $1,523,4932013Assets 2014: $1,666,456Liabilities 2014: $250,352Net Assets 2014: $1,416,1042014Assets 2015: $1,734,430Liabilities 2015: $435,688Net Assets 2015: $1,298,7422015

Highlighted filing

2015

Assets$1,734,430
Liabilities$435,688
Net Assets$1,298,742
Open 2015 Filing

Operations Trend

Revenue Growth53rd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$600K$400K$200K$0-$200KExpenses 2010: $187,0342010Expenses 2011: $194,3702011Revenue 2012: $299,196Expenses 2012: $176,001Net Income 2012: $123,1952012Revenue 2013: $266,298Expenses 2013: $250,978Net Income 2013: $15,3202013Revenue 2014: $279,901Expenses 2014: $387,294Net Income 2014: -$107,3932014Revenue 2015: $304,985Expenses 2015: $422,251Net Income 2015: -$117,2662015

Highlighted filing

2015

Revenue$304,985
Expenses$422,251
Net Income-$117,266
Open 2015 Filing

Filings

Most recent year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,734,430
Liabilities
$435,688
Net assets
$1,298,742
Revenue
$304,985
Expenses
$422,251
Net income
-$117,266
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015Detailed filing. Detailed filing data is available for this year.$1.73$0.44$1.30$0.30$0.42$0.12
2014Detailed filing. Detailed filing data is available for this year.$1.67$0.25$1.42$0.28$0.39$0.11
2013Detailed filing. Detailed filing data is available for this year.$1.65$0.13$1.52$0.27$0.25$0.02
2012Summary only. Only limited summary data is available for this year.$1.66$0.15$1.51$0.30$0.18$0.12
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.54$0.15$1.39$0.19
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.43$0.14$1.28$0.19
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Aug 11, 2016
Return Version
2015v2.1
Gross Receipts
$304,985
Mission and Program Overview

Mission

The organization provides property and casualty insurance to policyholders.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$1,416,104$1,298,742▼ $117,362
Cash and Non-Interest-Bearing Accounts$1,330,961$882,533▼ $448,428
Investments in Publicly Traded Securities$317,988$829,194▲ $511,206
Accounts Receivable$5,464$15,894▲ $10,430
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,666,456$1,734,430▲ $67,974
Other Assets Total$12,043$6,809▼ $5,234
Liabilities
Other Liabilities$205,531$396,931▲ $191,400
Deferred Revenue$39,556$34,560▼ $4,996
Accounts Payable and Accrued Expenses$5,265$4,197▼ $1,068
Total Liabilities$250,352$435,688▲ $185,336
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,416,104$1,298,742▼ $117,362
Total Liabilities and Net Assets / Fund Balance$1,666,456$1,734,430▲ $67,974
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleBaseOtherTotal
Norman J Orlowski JrPresident and CEO-$2,400$2,400
Donald R CrosbyDirector$2,300-$2,300
Gordon P AssadDirector$2,050-$2,050
John a NobleDirector$2,050-$2,050
Robert H LoweDirector$2,050-$2,050
Gina M CartenutoVice President-$2,000$2,000
Maureen a MulcahyVice President-$2,000$2,000
Everett G YerdonDirector$1,800-$1,800
James W FulmerDirector$1,800-$1,800
Linwood D PoelmaDirector$1,800-$1,800
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$295,863
Investment Income
$7,517
Other Revenue
$1,605
Change in Net Assets
$-117,266

Audited Revenue Reconciliation

Revenue per Audited Statements
$304,985
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$304,985
Total Revenue per Form 990
$304,985
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$120,328
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$301,923
All Other Expenses---$15,455
Other Expenses---$9,689
Office Expenses---$7,494
Fees for Services Legal---$6,717
Occupancy---$2,823
Travel---$1,523
Total Functional Expenses$0$0$0$422,251

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$422,251
Total Expenses per Audited Statements$422,251
Total Expenses per Form 990$422,251
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Reinsurance Payable on Paid Losses$172,156
Losses$165,145
Payable to Affiliate$24,666
Advance Premium$14,519
Ceded Reinsurance Premium Payable$10,289
Loss Adjusting Expenses$5,041
Commissions Payable$4,766
Taxes, Licenses and Fees$349
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Policyholders of the company have the right to elect the members of the organization's governing body.”

Form 990, Part VI, Section A, Line 7A

“Policyholders of the company have the right to elect the members of the organization's governing body.”

Form 990, Part VI, Section B, Line 11

“A draft of the return was reviewed by management and the treasurer prior to filing the return. A copy of the 990 is distributed to the board of directors for their review prior to filing.”

Form 990, Part VI, Section B, Line 12C

“Conflict of interest questionnaires are completed on an annual basis and reviewed at the annual meeting for any potential conflicts of interest.”

Form 990, Part VI, Section B, Line 15

“Compensation for the company's officers, including the company's president and ceo, is determined by an independent committee of the board of directors of erie and niagara insurance association, a related party of the company. Salary expense is allocated to the company pursuant to a service agreement between the company and erie and niagara insurance association.”

Form 990, Part VI, Section C, Line 19

“UPON REQUEST”

Filing and Contact Details

Filer

Filer Name
Cherry Valley Cooperative Insurance Co
EIN
15-0267887
Phone
7166325433
Address
PO BOX 9062 8800 SHERIDAN DRIVE, WILLIAMSVILLE, NY 14231-9062

Signing Officer

Name
Gina M Cartenuto
Title
Vice Pres/treasurer
Phone
7166325433
Signed
2016-08-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Gina M Cartenuto
Formed
1880
Legal Domicile
Ny
Voting Board Members
8
Independent Board Members
7
Employees
0
Volunteers
0

Preparer

Firm
Buffamante Whipple Buttafaro Pc
Address
201 WEST THIRD STREET, JAMESTOWN, NY 14701
Preparer
Kristy B Zabrodsky CPA
Phone
7166645104
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Change in nonadmitted assets -96. Rounding”

FORM 990, PART XII, LINE 2C:

“The process has not changed from the prior year.”

Raw XML AppendixShowing 400 of 403 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1LOSS ADJUSTING EXPENSES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2COMMISSIONS PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3CEDED REINSURANCE PREMIUM PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4ADVANCE PREMIUM
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5TAXES, LICENSES AND FEES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6REINSURANCE PAYABLE ON PAID LOSSES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc7PAYABLE TO AFFILIATE
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt0304985
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalExpensesPerForm990Amt0422251
IRS990ScheduleD/TotalLiabilityAmt0396931
IRS990ScheduleD/TotalRevenuePerForm990Amt0304985
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0304985
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0422251
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0POLICYHOLDERS OF THE COMPANY HAVE THE RIGHT TO ELECT THE MEMBERS OF THE ORGANIZATION'S GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1POLICYHOLDERS OF THE COMPANY HAVE THE RIGHT TO ELECT THE MEMBERS OF THE ORGANIZATION'S GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A DRAFT OF THE RETURN WAS REVIEWED BY MANAGEMENT AND THE TREASURER PRIOR TO FILING THE RETURN. A COPY OF THE 990 IS DISTRIBUTED TO THE BOARD OF DIRECTORS FOR THEIR REVIEW PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CONFLICT OF INTEREST QUESTIONNAIRES ARE COMPLETED ON AN ANNUAL BASIS AND REVIEWED AT THE ANNUAL MEETING FOR ANY POTENTIAL CONFLICTS OF INTEREST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4COMPENSATION FOR THE COMPANY'S OFFICERS, INCLUDING THE COMPANY'S PRESIDENT AND CEO, IS DETERMINED BY AN INDEPENDENT COMMITTEE OF THE BOARD OF DIRECTORS OF ERIE AND NIAGARA INSURANCE ASSOCIATION, A RELATED PARTY OF THE COMPANY. SALARY EXPENSE IS ALLOCATED TO THE COMPANY PURSUANT TO A SERVICE AGREEMENT BETWEEN THE COMPANY AND ERIE AND NIAGARA INSURANCE ASSOCIATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6CHANGE IN NONADMITTED ASSETS -96. ROUNDING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XI, LINE 9:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XII, LINE 2C:
IRS990ScheduleR/AssetExchangeInd00
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd00
IRS990ScheduleR/AssetSaleToOtherOrgInd00
IRS990ScheduleR/DivRelatedOrganizationInd00
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd00
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd00
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd00
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd0N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/EIN0160425440
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/EntityTypeTxt0C
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/LegalDomicileStateCd0NY
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/PrimaryActivitiesTxt0PROPERTY AND CASUALTY INSURANCE
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/RelatedOrganizationName/BusinessNameLine1Txt0ERIE AND NIAGARA INSURANCE ASSOCIATION
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/AddressLine1Txt08800 SHERIDAN DRIVE
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/CityNm0WILLIAMSVILLE
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/StateAbbreviationCd0NY
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/ZIPCd0142319062
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd00
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd00
IRS990ScheduleR/PaidEmployeesSharingInd01
IRS990ScheduleR/PerformOfServicesByOtherOrgInd00
IRS990ScheduleR/PerformOfServicesForOthOrgInd00
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd00
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd00
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd01
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd00
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd00
IRS990ScheduleR/SharingOfFacilitiesInd01
IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt020007
IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt127067
IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt21523
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt0SERVICE AGREEMENT
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt1SERVICE AGREEMENT
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt2SERVICE AGREEMENT
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt0ERIE AND NIAGARA INSURANCE ASSOCIATION
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt1ERIE AND NIAGARA INSURANCE ASSOCIATION
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt2ERIE AND NIAGARA INSURANCE ASSOCIATION
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt0N
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt1O
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt2P
IRS990ScheduleR/TransferFromOtherOrgInd00
IRS990ScheduleR/TransferToOtherOrgInd00
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt01666456
IRS990/TotalAssetsEOYAmt01734430
IRS990/TotalAssetsGrp/BOYAmt01666456
IRS990/TotalAssetsGrp/EOYAmt01734430
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0422251
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0250352
IRS990/TotalLiabilitiesEOYAmt0435688
IRS990/TotalLiabilitiesGrp/BOYAmt0250352
IRS990/TotalLiabilitiesGrp/EOYAmt0435688
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01416104
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01298742
IRS990/TotalOtherCompensationAmt06400
IRS990/TotalProgramServiceRevenueAmt0295863
IRS990/TotalReportableCompFromOrgAmt013850
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0304985
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0304985
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01666456
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01734430
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt01523
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 9062 8800 SHERIDAN DRIVE
IRS990/USAddress/CityNm0WILLIAMSVILLE
IRS990/USAddress/StateAbbreviationCd0NY
IRS990/USAddress/ZIPCd0142319062
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02016-12-15 16:53:06Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0GINA M CARTENUTO
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0VICE PRES/TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum07166325433
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-08-11
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CHERRY VALLEY COOPERATIVE INSURANCE CO
ReturnHeader/Filer/BusinessNameControlTxt0CHER
ReturnHeader/Filer/EIN0150267887
ReturnHeader/Filer/PhoneNum07166325433
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 9062 8800 SHERIDAN DRIVE
ReturnHeader/Filer/USAddress/CityNm0WILLIAMSVILLE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NY
ReturnHeader/Filer/USAddress/ZIPCd0142319062
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0161117932
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BUFFAMANTE WHIPPLE BUTTAFARO PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0201 WEST THIRD STREET
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0JAMESTOWN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd014701
ReturnHeader/PreparerPersonGrp/PhoneNum07166645104
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KRISTY B ZABRODSKY CPA
ReturnHeader/ReturnTs02016-08-11T07:36:01-05:00
ReturnHeader/ReturnTypeCd0990

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