Civic Intelligence

West Branch Mutual Insurance

990 • Fiscal year 2016 • EIN 24-0757710

Jan 01, 2016 to Dec 31, 2016 • Filed on Oct 19, 2017

Organization ProfileN/A
32 South Main Street PO Box 183Muncy, PA 17756

(570) 546-8020

Siviq Scores

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

Liabilities / Assets

72nd percentile

0.26x

Higher debt load relative to assets than 72% of similar nonprofits.

2016 filings • $1M-$5M nonprofits • Source year 2016

Liabilities / Revenue

82nd percentile

0.66x

Higher debt load relative to revenue than 82% of similar nonprofits.

2016 filings • $1M-$5M nonprofits • Source year 2016

Net Margin

28th percentile

-7.6%

Higher net margin than 28% of similar nonprofits.

2016 filings • $1M-$5M nonprofits • Source year 2016

Top Officer Pay

55th percentile

$49,880

Higher top officer pay than 55% of similar nonprofits.

Top officer pay equals 11.0% of source-year revenue.

2016 filings • $1M-$5M nonprofits • Source year 2016

Asset Growth

68th percentile

6.4%

Faster asset growth than 68% of similar nonprofits.

2016 filings • $1M-$5M nonprofits • Annualized from 2015 to 2016

Revenue Growth

38th percentile

-2.5%

Faster revenue growth than 38% of similar nonprofits.

2016 filings • $1M-$5M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets72nd percentile

Assets

Up

$1,142,596

Up $68,741 (+6.4%) from 2015

Net Assets

Up

$842,602

Up $62,596 (+8.0%) from 2015

Liabilities

Up

$299,994

Up $6,145 (+2.1%) from 2015

Revenue And Expenses
Liabilities / Revenue82nd percentileNet Margin28th percentile

Revenue

Down

$454,643

Down $11,471 (-2.5%) from 2015

Expenses

Up

$489,151

Up $82,291 (+20%) from 2015

Net Income

Down

-$34,508

Down $93,762 (-158%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth68th percentile

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

$1.5M$1.0M$500K$0Assets 2015: $1,073,855Liabilities 2015: $293,849Net Assets 2015: $780,0062015Assets 2016: $1,142,596Liabilities 2016: $299,994Net Assets 2016: $842,6022016Assets 2017: $1,149,452Liabilities 2017: $354,371Net Assets 2017: $795,0812017Assets 2018: $1,231,055Liabilities 2018: $400,238Net Assets 2018: $830,8172018Assets 2019: $1,418,681Liabilities 2019: $417,247Net Assets 2019: $1,001,4342019Assets 2021: $1,476,469Liabilities 2021: $420,027Net Assets 2021: $1,056,4422021Assets 2022: $1,447,619Liabilities 2022: $459,468Net Assets 2022: $988,1512022Assets 2023: $1,340,448Liabilities 2023: $428,857Net Assets 2023: $911,5912023Assets 2024: $1,453,308Liabilities 2024: $558,803Net Assets 2024: $894,5052024

Highlighted filing

2016

Assets$1,142,596
Liabilities$299,994
Net Assets$842,602
Open 2016 Filing

Operations Trend

Revenue Growth38th percentile

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

$800K$600K$400K$200K$0-$200KRevenue 2015: $466,114Expenses 2015: $406,860Net Income 2015: $59,2542015Revenue 2016: $454,643Expenses 2016: $489,151Net Income 2016: -$34,5082016Revenue 2017: $450,373Expenses 2017: $473,657Net Income 2017: -$23,2842017Revenue 2018: $463,315Expenses 2018: $434,900Net Income 2018: $28,4152018Revenue 2019: $479,135Expenses 2019: $462,137Net Income 2019: $16,9982019Revenue 2021: $519,174Expenses 2021: $461,288Net Income 2021: $57,8862021Revenue 2022: $521,773Expenses 2022: $623,753Net Income 2022: -$101,9802022Revenue 2023: $567,998Expenses 2023: $486,088Net Income 2023: $81,9102023Revenue 2024: $578,573Expenses 2024: $633,891Net Income 2024: -$55,3182024

Highlighted filing

2016

Revenue$454,643
Expenses$489,151
Net Income-$34,508
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Oct 19, 2017
Return Version
2016v3.0
Gross Receipts
$605,078
Mission and Program Overview

Mission

To provide property and casualty insurance to its policyholders.

A mutual insurance company domiciled and doing business only in pennsylvania. West branch provides property and casualty insurance to its policyholders.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$784,118$883,169▲ $99,051
Rtn Earn Endowment Incm Other Fnds$780,006$842,602▲ $62,596
Savings and Temporary Cash Investments$255,629$220,053▼ $35,576
Accounts Receivable$32,862$34,482▲ $1,620
Total Assets$1,073,855$1,142,596▲ $68,741
Other Assets Total$1,246$4,892▲ $3,646
Liabilities
Other Liabilities$223,327$208,768▼ $14,559
Accounts Payable and Accrued Expenses$70,522$91,226▲ $20,704
Total Liabilities$293,849$299,994▲ $6,145
Net Assets / Fund Balance
Total Net Assets Fund Balance$780,006$842,602▲ $62,596
Total Liabilities and Net Assets / Fund Balance$1,073,855$1,142,596▲ $68,741
Compensation and Service Providers
Top Officer Pay55th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Darlene Hazel WebbSec, Treas,FT$49,880$49,880
Richard Lee MichaelPresident, DPT$23,661$23,661
Victoria Catherine MichaelVice-presidePT$4,000$4,000
James Luther SnyderDirector-$204$204
Thomas Daniel HessDirector-$203$203
Allan Verus KrotzerDirector-$150$150
Robert Patrick HagerDirector-$100$100

Board Members and Trustees

NameTitle
Lindsay Marie HelselDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$422,800
Investment Income
$31,843
Other Revenue
$0
Change in Net Assets
$-34,508
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$376,453
Salaries, Compensation, and Employee Benefits$112,698
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---$78,198
All Other Expenses---$32,426
Other Employee Benefits---$27,816
Other Expenses---$19,127
Fees for Services Accounting---$9,461
Payroll Taxes---$6,684
Insurance---$5,984
Occupancy---$5,201
Office Expenses---$1,982
Total Functional Expenses$0$0$0$489,151
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
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Richard Lee MichaelPres./directorCommissionsNo$103,757
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Unearned Premiums$203,102
Reserves for Loss and Lae$9,000
Advance Premiums$6,203
Ceded Reinsurance Balances$-9,537
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
Yes
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 2

“Lindsay marie helsel richard lee michael director president daughter”

Form 990, Page 6, Part VI, Line 6

“The company is a mutual insurance company and as such its policyholders annually elect the board of directors and have oversight of the board's actions.”

Form 990, Page 6, Part VI, Line 7A

“The company is a mutual insurance company and as such its policyholders annually elect the board of directors and have oversight of the board's actions.”

Form 990, Page 6, Part VI, Line 7B

“The company is a mutual insurance company and as such its policyholders annually elect the board of directors and have oversight of the board's actions.”

Form 990, Page 6, Part VI, Line 11B

“Form 990 is prepared by an outside cpa who reviews a draft with the company's president.”

Form 990, Page 6, Part VI, Line 12C

“The conflict of interest policy is reviewed annually by each director and officer.”

Form 990, Page 6, Part VI, Line 19

“All governing documents, conflict of interest statements and financial statements are available upon request.”

Filing and Contact Details

Filer

Filer Name
West Branch Mutual Insurance
EIN
24-0757710
Phone
5705468020
Address
32 SOUTH MAIN STREET PO BOX 183, MUNCY, PA 17756

Signing Officer

Name
Richard Lee Michael
Title
President, Director
Phone
5705468020
Signed
2017-10-19
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Richard Lee Michael
Formed
1878
Legal Domicile
Pa
Voting Board Members
7
Independent Board Members
5
Employees
3

Preparer

Firm
Brown Schultz Sheridan & Fritz
Address
210 GRANDVIEW AVE, CAMP HILL, PA 17011-1706
Preparer
Henry J Straub
Phone
7177617171
Supplemental Narrative

Additional Explanations

Form 990

“As a result of tax law changes in 2004, the company is now exempt from tax”

Form 990, Part XI, Line 9

“Change in non-admitted assets 3,631”

Raw XML Appendix328 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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IRS990/Form990PartVIISectionAGrp/TitleTxt0SEC, TREAS,
IRS990/Form990PartVIISectionAGrp/TitleTxt1PRESIDENT, D
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE-PRESIDE
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
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IRS990ScheduleL/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE L, PART V
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0AS A RESULT OF TAX LAW CHANGES IN 2004, THE COMPANY IS NOW EXEMPT FROM TAX
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1LINDSAY MARIE HELSEL RICHARD LEE MICHAEL DIRECTOR PRESIDENT DAUGHTER
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE COMPANY IS A MUTUAL INSURANCE COMPANY AND AS SUCH ITS POLICYHOLDERS ANNUALLY ELECT THE BOARD OF DIRECTORS AND HAVE OVERSIGHT OF THE BOARD'S ACTIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE COMPANY IS A MUTUAL INSURANCE COMPANY AND AS SUCH ITS POLICYHOLDERS ANNUALLY ELECT THE BOARD OF DIRECTORS AND HAVE OVERSIGHT OF THE BOARD'S ACTIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE COMPANY IS A MUTUAL INSURANCE COMPANY AND AS SUCH ITS POLICYHOLDERS ANNUALLY ELECT THE BOARD OF DIRECTORS AND HAVE OVERSIGHT OF THE BOARD'S ACTIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FORM 990 IS PREPARED BY AN OUTSIDE CPA WHO REVIEWS A DRAFT WITH THE COMPANY'S PRESIDENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE CONFLICT OF INTEREST POLICY IS REVIEWED ANNUALLY BY EACH DIRECTOR AND OFFICER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7ALL GOVERNING DOCUMENTS, CONFLICT OF INTEREST STATEMENTS AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8CHANGE IN NON-ADMITTED ASSETS 3,631
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt01073855
IRS990/TotalAssetsEOYAmt01142596
IRS990/TotalAssetsGrp/BOYAmt01073855
IRS990/TotalAssetsGrp/EOYAmt01142596
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0489151
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0293849
IRS990/TotalLiabilitiesEOYAmt0299994
IRS990/TotalLiabilitiesGrp/BOYAmt0293849
IRS990/TotalLiabilitiesGrp/EOYAmt0299994
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0780006
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0842602
IRS990/TotalProgramServiceRevenueAmt0422800
IRS990/TotalReportableCompFromOrgAmt078198
IRS990/TotalRevenueGrp/ExclusionAmt031843
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0422800
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0454643
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01073855
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01142596
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt032 SOUTH MAIN STREET PO BOX 183
IRS990/USAddress/CityNm0MUNCY
IRS990/USAddress/StateAbbreviationCd0PA
IRS990/USAddress/ZIPCd017756
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt05
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0RICHARD LEE MICHAEL
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT, DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum05705468020
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-10-19
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0WEST BRANCH MUTUAL INSURANCE
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0COMPANY
ReturnHeader/Filer/BusinessNameControlTxt0WEST
ReturnHeader/Filer/EIN0240757710
ReturnHeader/Filer/PhoneNum05705468020
ReturnHeader/Filer/USAddress/AddressLine1Txt032 SOUTH MAIN STREET PO BOX 183
ReturnHeader/Filer/USAddress/CityNm0MUNCY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0PA
ReturnHeader/Filer/USAddress/ZIPCd017756
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId06DD098083BC06197A1FBD0F58FAB46B080F4CC8B
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0E0EBB3367E98CF3E36DF61787E94ABAC5C9B4BC2
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0251644159
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BROWN SCHULTZ SHERIDAN & FRITZ
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0210 GRANDVIEW AVE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CAMP HILL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0170111706
ReturnHeader/PreparerPersonGrp/PhoneNum07177617171
ReturnHeader/PreparerPersonGrp/PreparationDt02017-10-19
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0HENRY J STRAUB
ReturnHeader/ReturnTs02017-11-01T09:44:37-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,142,596
Liabilities
$299,994
Net assets
$842,602
Revenue
$454,643
Expenses
$489,151
Net income
-$34,508
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.45$0.56$0.89$0.58$0.63$0.06
2023Detailed filing. Detailed filing data is available for this year.$1.34$0.43$0.91$0.57$0.49$0.08
2022Detailed filing. Detailed filing data is available for this year.$1.45$0.46$0.99$0.52$0.62$0.10
2021Detailed filing. Detailed filing data is available for this year.$1.48$0.42$1.06$0.52$0.46$0.06
2019Detailed filing. Detailed filing data is available for this year.$1.42$0.42$1.00$0.48$0.46$0.02
2018Detailed filing. Detailed filing data is available for this year.$1.23$0.40$0.83$0.46$0.43$0.03
2017Detailed filing. Detailed filing data is available for this year.$1.15$0.35$0.80$0.45$0.47$0.02
2016Detailed filing. Detailed filing data is available for this year.$1.14$0.30$0.84$0.45$0.49$0.03
2015Detailed filing. Detailed filing data is available for this year.$1.07$0.29$0.78$0.47$0.41$0.06