Civic Intelligence

Franklin Fire Insurance Co

EIN 15-0311350 • 501(c)15 • Oneonta, NY

Oneonta, NY
Siviq Scores

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

Liabilities / Assets

23rd percentile

0.00x

Higher debt load relative to assets than 23% of similar nonprofits.

501(c)15 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

26th percentile

0.01x

Higher debt load relative to revenue than 26% of similar nonprofits.

501(c)15 • $1M-$5M nonprofits • Source year 2024

Net Margin

28th percentile

-7.5%

Higher net margin than 28% of similar nonprofits.

501(c)15 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

34th percentile

-0.5%

Faster asset growth than 34% of similar nonprofits.

501(c)15 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

57th percentile

12%

Faster revenue growth than 57% of similar nonprofits.

$1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets23rd percentile

Assets

Down

$1,167,091

Down $6,252 (-0.5%) from 2023

Liabilities

Flat

$1,000

Flat from 2023

Net Assets

Down

$1,166,091

Down $6,252 (-0.5%) from 2023

Operations
Liabilities / Revenue26th percentileNet Margin28th percentile

Revenue

Up

$83,395

Up $8,851 (+12%) from 2023

Expenses

Up

$89,647

Up $9,088 (+11%) from 2023

Net Income

Down

-$6,252

Down $237 (-3.9%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth34th percentile

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

$1.5M$1.0M$500K$0Assets 2011: $1,358,365Liabilities 2011: $2,440Net Assets 2011: $1,355,9252011Assets 2012: $351,335Liabilities 2012: $720Net Assets 2012: $350,6152012Assets 2013: $1,313,647Liabilities 2013: $1,200Net Assets 2013: $1,312,4472013Assets 2014: $1,307,937Liabilities 2014: $1,120Net Assets 2014: $1,306,8172014Assets 2015: $1,295,989Liabilities 2015: $1,120Net Assets 2015: $1,294,8692015Assets 2016: $1,291,387Liabilities 2016: $1,120Net Assets 2016: $1,290,2672016Assets 2017: $1,272,036Liabilities 2017: $1,120Net Assets 2017: $1,270,9162017Assets 2018: $1,261,532Liabilities 2018: $1,120Net Assets 2018: $1,260,4122018Assets 2019: $1,249,122Liabilities 2019: $1,000Net Assets 2019: $1,248,1222019Assets 2020: $1,217,558Liabilities 2020: $1,000Net Assets 2020: $1,216,5592020Assets 2021: $1,197,825Liabilities 2021: $1,000Net Assets 2021: $1,196,8252021Assets 2022: $1,179,358Liabilities 2022: $1,000Net Assets 2022: $1,178,3582022Assets 2023: $1,173,343Liabilities 2023: $1,000Net Assets 2023: $1,172,3432023Assets 2024: $1,167,091Liabilities 2024: $1,000Net Assets 2024: $1,166,0912024

Highlighted filing

2024

Assets$1,167,091
Liabilities$1,000
Net Assets$1,166,091
Open 2024 Filing

Operations Trend

Revenue Growth57th percentile

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

$150K$100K$50K$0-$50KRevenue 2011: $90,217Expenses 2011: $111,022Net Income 2011: -$20,8052011Revenue 2012: $89,399Expenses 2012: $96,429Net Income 2012: -$7,0302012Revenue 2013: $87,299Expenses 2013: $124,987Net Income 2013: -$37,6882013Revenue 2014: $88,496Expenses 2014: $94,207Net Income 2014: -$5,7112014Revenue 2015: $87,404Expenses 2015: $99,352Net Income 2015: -$11,9482015Revenue 2016: $81,108Expenses 2016: $85,710Net Income 2016: -$4,6022016Revenue 2017: $76,733Expenses 2017: $96,084Net Income 2017: -$19,3512017Revenue 2018: $77,398Expenses 2018: $87,903Net Income 2018: -$10,5052018Revenue 2019: $75,895Expenses 2019: $88,305Net Income 2019: -$12,4102019Revenue 2020: $70,122Expenses 2020: $101,656Net Income 2020: -$31,5342020Revenue 2021: $61,704Expenses 2021: $81,437Net Income 2021: -$19,7332021Revenue 2022: $64,295Expenses 2022: $82,762Net Income 2022: -$18,4672022Revenue 2023: $74,544Expenses 2023: $80,559Net Income 2023: -$6,0152023Revenue 2024: $83,395Expenses 2024: $89,647Net Income 2024: -$6,2522024

Highlighted filing

2024

Revenue$83,395
Expenses$89,647
Net Income-$6,252
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$1,167,091
Liabilities
$1,000
Net assets
$1,166,091
Revenue
$83,395
Expenses
$89,647
Net income
-$6,252
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.17$0.00$1.17$0.08$0.09$0.01
2023Summary only. Only limited summary data is available for this year.$1.17$0.00$1.17$0.07$0.08$0.01
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.18$0.00$1.18$0.06$0.08$0.02
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.20$0.00$1.20$0.06$0.08$0.02
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.22$0.00$1.22$0.07$0.10$0.03
2019Summary only. Only limited summary data is available for this year.$1.25$0.00$1.25$0.08$0.09$0.01
2018Summary only. Only limited summary data is available for this year.$1.26$0.00$1.26$0.08$0.09$0.01
2017Summary only. Only limited summary data is available for this year.$1.27$0.00$1.27$0.08$0.10$0.02
2016Summary only. Only limited summary data is available for this year.$1.29$0.00$1.29$0.08$0.09$0.00
2015Summary only. Only limited summary data is available for this year.$1.30$0.00$1.29$0.09$0.10$0.01
2014Summary only. Only limited summary data is available for this year.$1.31$0.00$1.31$0.09$0.09$0.01
2013Summary only. Only limited summary data is available for this year.$1.31$0.00$1.31$0.09$0.12$0.04
2012Summary only. Only limited summary data is available for this year.$0.35$0.00$0.35$0.09$0.10$0.01
2011Summary only. Only limited summary data is available for this year.$1.36$0.00$1.36$0.09$0.11$0.02
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 15, 2025
Return Version
2024v5.1
Gross Receipts
$283,395
Mission and Program Overview

Mission

To provide affordable insurance coverage.

Insure policyholders andcover losses as they occur.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$998,773$998,957▲ $184
Savings and Temporary Cash Investments$156,912$153,808▼ $3,104
Cash and Non-Interest-Bearing Accounts$17,656$14,326▼ $3,330
Land, Buildings, and Equipment, Net$0$0→ $0
Total Assets$1,173,341$1,167,091▼ $6,250
Liabilities
Other Liabilities$1,000$1,000→ $0
Total Liabilities$1,000$1,000→ $0
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$1,148,893$1,144,124▼ $4,769
Total Net Assets Fund Balance$1,172,341$1,166,091▼ $6,250
Total Liabilities and Net Assets / Fund Balance$1,173,341$1,167,091▼ $6,250

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$0--
Other Land Buildings$0--
Land$0--
Equipment$0--
Leasehold Improvements$0--
Other Securities$100,000--

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2024----$0
2023----$0
2022----$0
2021----$0
2020----$0
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Heather RossSecretary/DirectorPT$18,432$18,432
Burton BarnesTreasurer/DirectorPT$6,200$6,200
Thomas BarnesPres/Director-$3,870$3,870
James CareyVP/Director-$3,283$3,283
Richard BlackmanDirector-$2,599$2,599
Beverly KoopmannDirector-$2,200$2,200
Donald T SmithDirector-$2,200$2,200
Kyle BuelDirector-$2,200$2,200
Patricia TerryDirector-$2,200$2,200
Ruth SicklerDirector-$2,200$2,200
Sarah CleavelandDirector-$1,750$1,750
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$39,345
Other Revenue
$44,050
Change in Net Assets
$-6,252

Audited Revenue Reconciliation

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

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$49,248
Other Expenses$40,399
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$47,134--$47,134
Fees for Service Investment Mgmnt Fees$2,653--$2,653
Payroll Taxes$2,114--$2,114
All Other Expenses$2,030$0$0$2,030
Other Expenses$1,689--$1,689
Information Technology$1,438--$1,438
Office Expenses$1,323--$1,323
Insurance$1,221--$1,221
Advertising$45--$45
Total Functional Expenses$89,647$0$0$89,647

Audited Expense Reconciliation

Line ItemAmount
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Expenses per Audited Statements$0
Total Expenses per 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
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Net Unpaid Losses$900
Unpaid Loss Adjusting$100
Form 940 Employment Taxes$0
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
No
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
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
No
Other officer compensation reviewed
No
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 Page 6 Part VI line 2

“Burton Barnes and Thomas Barnes are brothers. Heather Ross is Kyle Buel's mother-in-law.”

Form 990 Page 6 Part VI Line 9

“Burton G Barnes 733 CAse Hill Road Treadwell NY 13846”

Form 990 Page 6 Part VI Line 9

“Thomas W Barnes 415 Ounty Highway 14 Treadwell NY 13846”

Form 990 Page 6 Part VI Line 9

“James R Carey 516 County Hwy 11 Lot 16 OneontaNY 13820”

Form 990 Page 6 Part VI Line 9

“Donald T Smith 450 Hodge Rd Franklin NY 13775”

Form 990 Page 6 Part VI Line 9

“Ruth Sickler 13077 State Hwy 357 Franklin NY 13775”

Form 990 Page 6 Part VI Line 9

“Beverly Koopmann 8310 County Hwy 18 Delhi NY 13753”

Form 990 Page 6 Part VI Line 9

“Sarah Cleaveland 7375 St Hwy 357 Franklin NY 13775”

Form 990 Page 6 Part VI Line 9

“Kyle Buel 3538 St Hwy 357 Unadilla NY 13849”

Form 990 Page 6 Part VI Line 9

“Richard Blackman 2731 Snake Hill Rd Walton NY 13856”

Form 990 Page 6 Part VI Line 9

“Patricia Terry 2019 St Hwy 357 Unadilla NY 13849”

Form 990 Page 6 Part VI Line 9

“5191 St Hwy 28S Oneonta NY 13820”

Filing and Contact Details

Filer

Filer Name
Franklin Fire Insurance Co
EIN
15-0311350
Phone
6074340148
Address
5191 State Hwy 28 S, Oneonta, NY 13820

Signing Officer

Name
Heather Ross
Title
Secretary / Treasurer
Phone
6074340148
Signed
2025-05-15
Discuss with paid preparer
No

Organization Details

Formed
1881
Legal Domicile
Ny
Voting Board Members
12
Independent Board Members
0
Employees
2

Preparer

Firm
Sandra J Whittaker
Address
21684 State Highway 28, Delhi, NY 13753
Preparer
Sandra J Whittaker
Phone
6077463464
Supplemental Narrative

Financial Statement Notes

Page 3 Part VII 3(A) - Certificate of Deposits

“Merrick Bank 3.5 yr CD @.90% $100,000; USB Bank NA 3 yr CD @4.7 %; Morgan Stanley Bank 2 yr CD @4.70%; Discover Bank 2 yr CD @ 5%; State Bank of India NY 3 yr CD @ 4.65%; Wells Fargo 1.5 yr CD 4.55%; Goldman Sachs 2yr CD @ 4.10%”

Raw XML AppendixShowing 400 of 443 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.

Path#Value
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IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/AllOtherExpensesGrp/ProgramServicesAmt02030
IRS990/AllOtherExpensesGrp/TotalAmt02030
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IRS990/AuditCommitteeInd0false
IRS990/BackupWthldComplianceInd0true
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IRS990/BooksInCareOfDetail/PhoneNum06074340148
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt05191 State Hwy 28 S
IRS990/BooksInCareOfDetail/USAddress/CityNm0Oneonta
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NY
IRS990/BooksInCareOfDetail/USAddress/ZIPCd013820
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IRS990/CashNonInterestBearingGrp/BOYAmt017656
IRS990/CashNonInterestBearingGrp/EOYAmt014326
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt047134
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt047134
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
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IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
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IRS990/CYOtherExpensesAmt040399
IRS990/CYOtherRevenueAmt044050
IRS990/CYProgramServiceRevenueAmt00
IRS990/CYRevenuesLessExpensesAmt0-6252
IRS990/CYSalariesCompEmpBnftPaidAmt049248
IRS990/CYTotalExpensesAmt089647
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt083395
IRS990/DAFExcessBusinessHoldingsInd0false
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt00
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IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DistributionToDonorInd0false
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IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt02
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/EscrowAccountInd0false
IRS990/ExcsTaxSect4951Or4952Or4953Ind0false
IRS990/FamilyOrBusinessRlnInd0true
IRS990/FederalGrantAuditPerformedInd0false
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IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt110
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/PersonNm0Heather Ross
IRS990/Form990PartVIISectionAGrp/PersonNm1Burton Barnes
IRS990/Form990PartVIISectionAGrp/PersonNm2Thomas Barnes
IRS990/Form990PartVIISectionAGrp/PersonNm3James Carey
IRS990/Form990PartVIISectionAGrp/PersonNm4Donald T Smith
IRS990/Form990PartVIISectionAGrp/PersonNm5Richard Blackman
IRS990/Form990PartVIISectionAGrp/PersonNm6Beverly Koopmann
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IRS990/Form990PartVIISectionAGrp/PersonNm8Sarah Cleaveland
IRS990/Form990PartVIISectionAGrp/PersonNm9Kyle Buel
IRS990/Form990PartVIISectionAGrp/PersonNm10Patricia Terry
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IRS990/Form990PartVIISectionAGrp/TitleTxt0Secretary/Director
IRS990/Form990PartVIISectionAGrp/TitleTxt1Treasurer/Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Pres/Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3VP/Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
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IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
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IRS990/IRPDocumentCnt012
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IRS990/MissionDesc0To Provide affordable insurance coverage.
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IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt01148893
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt01144124
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IRS990/OfficeExpensesGrp/ProgramServicesAmt01323
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IRS990/OtherExpensesGrp/Desc1office Rent
IRS990/OtherExpensesGrp/Desc2Reinsurance Premium
IRS990/OtherExpensesGrp/Desc3NYIA and URB dues
IRS990/OtherExpensesGrp/ProgramServicesAmt09400
IRS990/OtherExpensesGrp/ProgramServicesAmt11000
IRS990/OtherExpensesGrp/ProgramServicesAmt219600
IRS990/OtherExpensesGrp/ProgramServicesAmt31689
IRS990/OtherExpensesGrp/TotalAmt09400
IRS990/OtherExpensesGrp/TotalAmt11000
IRS990/OtherExpensesGrp/TotalAmt219600
IRS990/OtherExpensesGrp/TotalAmt31689
IRS990/OtherLiabilitiesGrp/BOYAmt01000
IRS990/OtherLiabilitiesGrp/EOYAmt01000
IRS990/OtherOrganizationDsc0Co-operative
IRS990/OtherRevenueMiscGrp/Desc0Policy Holder Premium
IRS990/OtherRevenueMiscGrp/Desc1Net Realized Gain
IRS990/OtherRevenueMiscGrp/Desc2Fire Fee Collected
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt043721
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1184
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2145
IRS990/OtherRevenueTotalAmt044050
IRS990/PartialLiquidationInd0false
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IRS990/PayrollTaxesGrp/ProgramServicesAmt02114
IRS990/PayrollTaxesGrp/TotalAmt02114
IRS990/PoliciesReferenceChaptersInd0false
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt0Burton Barnes
IRS990/ProfessionalFundraisingInd0false
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IRS990/PYOtherExpensesAmt033741
IRS990/PYOtherRevenueAmt047840
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IRS990/PYTotalExpensesAmt080559
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt074544
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IRS990/RentalIncomeOrLossGrp/RealAmt00
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IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0156912
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0153808
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/AgentTrusteeEtcInd0false
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IRS990ScheduleD/CYMinus1YrEndwmtFundGrp/EndYearBalanceAmt00
IRS990ScheduleD/CYMinus2YrEndwmtFundGrp/EndYearBalanceAmt00
IRS990ScheduleD/CYMinus3YrEndwmtFundGrp/EndYearBalanceAmt00
IRS990ScheduleD/CYMinus4YrEndwmtFundGrp/EndYearBalanceAmt00
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2100
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Form 940 Employment Taxes
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Net Unpaid Losses
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Unpaid Loss Adjusting
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IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt198995
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt299962
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt3100000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Certificates of Deposit
IRS990ScheduleD/OtherSecuritiesGrp/Desc1US Treasury Note .875 due 11-15-30
IRS990ScheduleD/OtherSecuritiesGrp/Desc2Fed Nat'l Mort Assn .75 due 10-8/-27
IRS990ScheduleD/OtherSecuritiesGrp/Desc3Fed Home Loan Bank .60 due 1-28-26
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0Merrick Bank 3.5 yr CD @.90% $100,000; USB Bank NA 3 yr CD @4.7 %; Morgan Stanley Bank 2 yr CD @4.70%; Discover Bank 2 yr CD @ 5%; State Bank of India NY 3 yr CD @ 4.65%; Wells Fargo 1.5 yr CD 4.55%; Goldman Sachs 2yr CD @ 4.10%
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Page 3 Part VII 3(A) - Certificate of Deposits
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IRS990ScheduleD/TotalBookValueOtherAssetsAmt00
IRS990ScheduleD/TotalBookValueProgramRltdAmt00
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Burton Barnes and Thomas Barnes are brothers. Heather Ross is Kyle Buel's mother-in-law.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Burton G Barnes 733 CAse Hill Road Treadwell NY 13846
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Thomas W Barnes 415 Ounty Highway 14 Treadwell NY 13846
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3James R Carey 516 County Hwy 11 Lot 16 OneontaNY 13820
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Donald T Smith 450 Hodge Rd Franklin NY 13775
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Ruth Sickler 13077 State Hwy 357 Franklin NY 13775
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Beverly Koopmann 8310 County Hwy 18 Delhi NY 13753
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Sarah Cleaveland 7375 St Hwy 357 Franklin NY 13775
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Kyle Buel 3538 St Hwy 357 Unadilla NY 13849
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9Richard Blackman 2731 Snake Hill Rd Walton NY 13856
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10Patricia Terry 2019 St Hwy 357 Unadilla NY 13849
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt115191 St Hwy 28S Oneonta NY 13820
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990 Page 6 Part VI line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990 Page 6 Part VI Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990 Page 6 Part VI Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990 Page 6 Part VI Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990 Page 6 Part VI Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990 Page 6 Part VI Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990 Page 6 Part VI Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990 Page 6 Part VI Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990 Page 6 Part VI Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Form 990 Page 6 Part VI Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Form 990 Page 6 Part VI Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Form 990 Page 6 Part VI Line 9
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IRS990/TaxablePartyNotificationInd0false
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IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt01173341
IRS990/TotalAssetsEOYAmt01167091
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IRS990/TotalRevenueGrp/ExclusionAmt00
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IRS990/TotalRevenueGrp/TotalRevenueColumnAmt083395
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00

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