Civic Intelligence

Ruth Gardner Trust 16-209740 FBO

990PF • Fiscal year 2017 • EIN 16-6071950

Jun 01, 2016 to May 31, 2017 • Filed on Oct 02, 2017

Organization Profile
C/O Nbt Bank Na 52 S Broad StNorwich, NY 13815

(607) 337-6191

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

59th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2017 filings • <$500k nonprofits • Source year 2017

Liabilities / Revenue

59th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2017 filings • <$500k nonprofits • Source year 2017

Net Margin

6th percentile

-107%

Higher net margin than 6% of similar nonprofits.

2017 filings • <$500k nonprofits • Source year 2017

Top Officer Pay

77th percentile

$589

Higher top officer pay than 77% of similar nonprofits.

Top officer pay equals 45.3% of source-year revenue.

2017 filings • <$500k nonprofits • Source year 2017

Asset Growth

37th percentile

-3.5%

Faster asset growth than 37% of similar nonprofits.

2017 filings • <$500k nonprofits • Annualized from 2016 to 2017

Revenue Growth

51st percentile

1.6%

Faster revenue growth than 51% of similar nonprofits.

2017 filings • <$500k nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets59th percentile

Assets

Down

$39,335

Down $1,410 (-3.5%) from 2016

Net Assets

Down

$39,335

Down $1,410 (-3.5%) from 2016

Liabilities

Flat

$0

Flat from 2016

Revenue And Expenses
Liabilities / Revenue59th percentileNet Margin6th percentile

Revenue

Up

$1,300

Up $21 (+1.6%) from 2016

Expenses

Down

$2,690

Down $1,033 (-28%) from 2016

Net Income

Up

-$1,390

Up $1,054 (+43%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth37th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$60K$40K$20K$0Assets 2012: $45,183Liabilities 2012: $02012Assets 2013: $45,026Liabilities 2013: $02013Assets 2014: $43,017Liabilities 2014: $0Net Assets 2014: $43,0172014Assets 2015: $43,185Liabilities 2015: $0Net Assets 2015: $43,1852015Assets 2016: $40,745Liabilities 2016: $0Net Assets 2016: $40,7452016Assets 2017: $39,335Liabilities 2017: $0Net Assets 2017: $39,3352017Assets 2018: $40,237Liabilities 2018: $0Net Assets 2018: $40,2372018Assets 2019: $37,605Liabilities 2019: $0Net Assets 2019: $37,6052019Assets 2020: $35,805Liabilities 2020: $0Net Assets 2020: $35,8052020Assets 2021: $33,382Liabilities 2021: $0Net Assets 2021: $33,3822021Assets 2022: $32,556Liabilities 2022: $0Net Assets 2022: $32,5562022Assets 2023: $30,081Liabilities 2023: $0Net Assets 2023: $30,0812023Assets 2024: $28,074Liabilities 2024: $0Net Assets 2024: $28,0742024Assets 2025: $45,792Liabilities 2025: $0Net Assets 2025: $45,7922025

Highlighted filing

2017

Assets$39,335
Liabilities$0
Net Assets$39,335
Open 2017 Filing

Operations Trend

Revenue Growth51st percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$30K$20K$10K$0-$10KRevenue 2012: $1,447Expenses 2012: $2,813Net Income 2012: -$1,3662012Revenue 2013: $2,681Expenses 2013: $2,838Net Income 2013: -$1572013Revenue 2014: $1,349Expenses 2014: $2,959Net Income 2014: -$1,6102014Revenue 2015: $3,273Expenses 2015: $3,105Net Income 2015: $1682015Revenue 2016: $1,279Expenses 2016: $3,723Net Income 2016: -$2,4442016Revenue 2017: $1,300Expenses 2017: $2,690Net Income 2017: -$1,3902017Revenue 2018: $4,702Expenses 2018: $3,800Net Income 2018: $9022018Revenue 2019: $2,746Expenses 2019: $5,379Net Income 2019: -$2,6332019Revenue 2020: $1,955Expenses 2020: $3,756Net Income 2020: -$1,8012020Revenue 2021: $2,669Expenses 2021: $5,091Net Income 2021: -$2,4222021Revenue 2022: $1,803Expenses 2022: $2,629Net Income 2022: -$8262022Revenue 2023: $2,386Expenses 2023: $4,861Net Income 2023: -$2,4752023Revenue 2024: $1,899Expenses 2024: $3,907Net Income 2024: -$2,0082024Revenue 2025: $21,148Expenses 2025: $3,429Net Income 2025: $17,7192025

Highlighted filing

2017

Revenue$1,300
Expenses$2,690
Net Income-$1,390
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jun 1, 2016 to May 31, 2017
Signed
Oct 2, 2017
Return Version
2016v3.0
Compensation and Service Providers
Top Officer Pay77th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
NBT BANK NATrustee-$589-$589
Filing and Contact Details

Filer

Filer Name
Ruth Gardner Trust
EIN
16-6071950
Phone
6073376191
Address
C/O NBT BANK NA 52 S BROAD ST, NORWICH, NY 13815

Signing Officer

Name
Timothy Handy
Title
Senior VP
Phone
6073376191
Signed
2017-10-02
Discuss with paid preparer
Yes

Preparer

Firm
Pricewaterhousecoopers Llp
Address
1850 N CENTRAL AVE STE 700, PHOENIX, AZ 85004
Preparer
Jeffrey E Kuhlin
Phone
4123556000
Raw XML Appendix361 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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IRS990PF/StatementsRegardingActyGrp/LocationOfBooksUSAddress/CityNm0BUFFALO
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IRS990PF/StatementsRegardingActyGrp/OwnControlledEntityInd0false
IRS990PF/StatementsRegardingActyGrp/PersonsWithBooksName/BusinessNameLine1Txt0NBT BANK NA
IRS990PF/StatementsRegardingActyGrp/PhoneNum07165663028
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IRS990PF/StatementsRegardingActyGrp/WebsiteAddressTxt0N/A
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IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/Amt1814
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/GrantOrContributionPurposeTxt0SCHOLARSHIP
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/GrantOrContributionPurposeTxt1SCHOLARSHIP
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientBusinessName/BusinessNameLine1Txt0Costal Carolina University
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientBusinessName/BusinessNameLine1Txt1Penn State University &
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientBusinessName/BusinessNameLine2Txt0FBO Jennifer Tasco
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientBusinessName/BusinessNameLine2Txt1Mackenzie D Auito
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientFoundationStatusTxt0I
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientFoundationStatusTxt1I
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientRelationshipTxt0NONE
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientRelationshipTxt1NONE
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientUSAddress/AddressLine1Txt06313 MARTIN DRIVE
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientUSAddress/AddressLine1Txt11202 NORTH GEORGE STREET
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientUSAddress/CityNm0Rome
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientUSAddress/CityNm1Rome
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IRS990PF/TrnsfrTransRlnNonchrtblEOGrp/PerformanceOfServicesEtcInd0false
IRS990PF/TrnsfrTransRlnNonchrtblEOGrp/PurchaseOfAssetsNonchrtblEOInd0false
IRS990PF/TrnsfrTransRlnNonchrtblEOGrp/ReimbursementArrangementsInd0false
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IRS990PF/TrnsfrTransRlnNonchrtblEOGrp/RentalOfFacilitiesOthAssetsInd0false
IRS990PF/TrnsfrTransRlnNonchrtblEOGrp/SalesOrExchangesOfAssetsInd0false
IRS990PF/TrnsfrTransRlnNonchrtblEOGrp/SharingOfFacilitiesEtcInd0false
IRS990PF/TrnsfrTransRlnNonchrtblEOGrp/TrnsfrOfCashToNonchrtblEOInd0false
IRS990PF/TrnsfrTransRlnNonchrtblEOGrp/TrnsfrOtherAssetNonchrtblEOInd0false
IRS990PF/UndistributedIncomeGrp/AppliedToCurrentYearAmt0617
IRS990PF/UndistributedIncomeGrp/AppliedToPriorYearsAmt00
IRS990PF/UndistributedIncomeGrp/AppliedToYear1Amt01628
IRS990PF/UndistributedIncomeGrp/CorpusDistri170b1EOr4942g3Amt00
IRS990PF/UndistributedIncomeGrp/DistributableAsAdjustedAmt02350
IRS990PF/UndistributedIncomeGrp/ExcessDistributionCyovAppCYAmt00
IRS990PF/UndistributedIncomeGrp/ExcessDistributionCyovYr1Amt00
IRS990PF/UndistributedIncomeGrp/ExcessDistributionCyovYr2Amt00
IRS990PF/UndistributedIncomeGrp/ExcessDistributionCyovYr3Amt00
IRS990PF/UndistributedIncomeGrp/ExcessDistributionCyovYr4Amt00
IRS990PF/UndistributedIncomeGrp/ExcessDistributionCyovYr5Amt00
IRS990PF/UndistributedIncomeGrp/ExcessDistriCyovAppCYCorpusAmt00
IRS990PF/UndistributedIncomeGrp/ExcessDistriCyovFromYr5Amt00
IRS990PF/UndistributedIncomeGrp/ExcessDistriCyovToNextYrAmt00
IRS990PF/UndistributedIncomeGrp/ExcessFromCurrentYearAmt00
IRS990PF/UndistributedIncomeGrp/ExcessFromYear1Amt00
IRS990PF/UndistributedIncomeGrp/ExcessFromYear2Amt00
IRS990PF/UndistributedIncomeGrp/ExcessFromYear3Amt00
IRS990PF/UndistributedIncomeGrp/ExcessFromYear4Amt00
IRS990PF/UndistributedIncomeGrp/PriorYear1Yr02014
IRS990PF/UndistributedIncomeGrp/PriorYearDeficiencyOrTaxAmt00
IRS990PF/UndistributedIncomeGrp/PriorYearUndistributedIncmAmt00
IRS990PF/UndistributedIncomeGrp/QualifyingDistributionsAmt02245
IRS990PF/UndistributedIncomeGrp/RemainingDistriFromCorpusAmt00
IRS990PF/UndistributedIncomeGrp/Taxable1Amt00
IRS990PF/UndistributedIncomeGrp/Taxable2Amt00
IRS990PF/UndistributedIncomeGrp/TotalCorpusAmt00
IRS990PF/UndistributedIncomeGrp/TotalExcessDistributionCyovAmt00
IRS990PF/UndistributedIncomeGrp/TotalForPriorYearsAmt00
IRS990PF/UndistributedIncomeGrp/TreatedAsDistriFromCorpusAmt00
IRS990PF/UndistributedIncomeGrp/UndistributedIncomeCYAmt01733
IRS990PF/UndistributedIncomeGrp/UndistributedIncomePYAmt01628
OtherDecreasesSchedule/OtherDecreasesDetail/Amt049
OtherDecreasesSchedule/OtherDecreasesDetail/Desc0TEMPLETON ROC ADJ
OtherExpensesSchedule/OtherExpensesScheduleGrp/Desc0STATE FILING FEE
OtherExpensesSchedule/OtherExpensesScheduleGrp/DisbursementsCharitablePrpsAmt025
OtherExpensesSchedule/OtherExpensesScheduleGrp/NetInvestmentIncomeAmt00
OtherExpensesSchedule/OtherExpensesScheduleGrp/RevenueAndExpensesPerBooksAmt025
OtherIncreasesSchedule/OtherIncreasesDetail/Amt027
OtherIncreasesSchedule/OtherIncreasesDetail/Amt12
OtherIncreasesSchedule/OtherIncreasesDetail/Desc0INCOME PD IN FYE 5/2017 TAXED IN 5/2016
OtherIncreasesSchedule/OtherIncreasesDetail/Desc1ROUNDING
TaxesSchedule/TaxesDetail/Amt033
TaxesSchedule/TaxesDetail/CategoryTxt0FOREIGN TAXES PAID
TaxesSchedule/TaxesDetail/DisbursementsCharitablePrpsAmt00
TaxesSchedule/TaxesDetail/NetInvestmentIncomeAmt033
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0TIMOTHY HANDY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0SENIOR VP
ReturnHeader/BusinessOfficerGrp/PhoneNum06073376191
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-10-02
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0RUTH GARDNER TRUST
ReturnHeader/Filer/BusinessNameControlTxt0GARD
ReturnHeader/Filer/EIN0166071950
ReturnHeader/Filer/PhoneNum06073376191
ReturnHeader/Filer/USAddress/AddressLine1Txt0C/O NBT BANK NA 52 S BROAD ST
ReturnHeader/Filer/USAddress/CityNm0NORWICH
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NY
ReturnHeader/Filer/USAddress/ZIPCd013815
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0C7734AB4F163F79B4BD05B5D8599C405E5817D79
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0C7734AB4F163F79B4BD05B5D8599C405E5817D79
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0155.201.188.13
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0134008324
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0PRICEWATERHOUSECOOPERS LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01850 N CENTRAL AVE STE 700
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0PHOENIX
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0AZ
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd085004
ReturnHeader/PreparerPersonGrp/PhoneNum04123556000
ReturnHeader/PreparerPersonGrp/PreparationDt02017-10-02
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JEFFREY E KUHLIN
ReturnHeader/ReturnTs02017-10-03T13:00:15-05:00
ReturnHeader/ReturnTypeCd0990PF
ReturnHeader/TaxPeriodBeginDt02016-06-01
ReturnHeader/TaxPeriodEndDt02017-05-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

2017 • Form 990PFDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$39,335
Liabilities
$0
Net assets
$39,335
Revenue
$1,300
Expenses
$2,690
Net income
-$1,390
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$45.8$0.00$45.8$21.1$3.43$17.7
2024Detailed filing. Detailed filing data is available for this year.$28.1$0.00$28.1$1.90$3.91$2.01
2023Detailed filing. Detailed filing data is available for this year.$30.1$0.00$30.1$2.39$4.86$2.48
2022Detailed filing. Detailed filing data is available for this year.$32.6$0.00$32.6$1.80$2.63$0.83
2021Detailed filing. Detailed filing data is available for this year.$33.4$0.00$33.4$2.67$5.09$2.42
2020Detailed filing. Detailed filing data is available for this year.$35.8$0.00$35.8$1.96$3.76$1.80
2019Detailed filing. Detailed filing data is available for this year.$37.6$0.00$37.6$2.75$5.38$2.63
2018Detailed filing. Detailed filing data is available for this year.$40.2$0.00$40.2$4.70$3.80$0.90
2017Detailed filing. Detailed filing data is available for this year.$39.3$0.00$39.3$1.30$2.69$1.39
2016Detailed filing. Detailed filing data is available for this year.$40.7$0.00$40.7$1.28$3.72$2.44
2015Detailed filing. Detailed filing data is available for this year.$43.2$0.00$43.2$3.27$3.11$0.17
2014Detailed filing. Detailed filing data is available for this year.$43.0$0.00$43.0$1.35$2.96$1.61
2013Summary only. Only limited summary data is available for this year.$45.0$0.00$2.68$2.84$0.16
2012Summary only. Only limited summary data is available for this year.$45.2$0.00$1.45$2.81$1.37