Civic Intelligence

West Branch Mutual Insurance

990 • Fiscal year 2019 • EIN 24-0757710

Jan 01, 2019 to Dec 31, 2019 • Filed on May 14, 2020

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

78th percentile

0.29x

Higher debt load relative to assets than 78% of similar nonprofits.

2019 filings • $1M-$5M nonprofits • Source year 2019

Liabilities / Revenue

87th percentile

0.87x

Higher debt load relative to revenue than 87% of similar nonprofits.

2019 filings • $1M-$5M nonprofits • Source year 2019

Net Margin

51st percentile

3.5%

Higher net margin than 51% of similar nonprofits.

2019 filings • $1M-$5M nonprofits • Source year 2019

Top Officer Pay

57th percentile

$50,320

Higher top officer pay than 57% of similar nonprofits.

Top officer pay equals 10.5% of source-year revenue.

2019 filings • $1M-$5M nonprofits • Source year 2019

Asset Growth

78th percentile

15%

Faster asset growth than 78% of similar nonprofits.

2019 filings • $1M-$5M nonprofits • Annualized from 2018 to 2019

Revenue Growth

51st percentile

3.4%

Faster revenue growth than 51% of similar nonprofits.

2019 filings • $1M-$5M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets78th percentile

Assets

Up

$1,418,681

Up $187,626 (+15%) from 2018

Net Assets

Up

$1,001,434

Up $170,617 (+21%) from 2018

Liabilities

Up

$417,247

Up $17,009 (+4.2%) from 2018

Revenue And Expenses
Liabilities / Revenue87th percentileNet Margin51st percentile

Revenue

Up

$479,135

Up $15,820 (+3.4%) from 2018

Expenses

Up

$462,137

Up $27,237 (+6.3%) from 2018

Net Income

Down

$16,998

Down $11,417 (-40%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth78th 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

2019

Assets$1,418,681
Liabilities$417,247
Net Assets$1,001,434
Open 2019 Filing

Operations Trend

Revenue Growth51st 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

2019

Revenue$479,135
Expenses$462,137
Net Income$16,998
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
May 14, 2020
Return Version
2019v5.0
Gross Receipts
$764,364
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
Rtn Earn Endowment Incm Other Fnds$830,817$1,001,434▲ $170,617
Investments in Publicly Traded Securities$957,148$824,011▼ $133,137
Savings and Temporary Cash Investments$205,244$515,736▲ $310,492
Accounts Receivable$36,891$37,188▲ $297
Total Assets$1,231,055$1,418,681▲ $187,626
Other Assets Total$31,772$41,746▲ $9,974
Liabilities
Other Liabilities$287,788$298,885▲ $11,097
Accounts Payable and Accrued Expenses$112,450$118,362▲ $5,912
Total Liabilities$400,238$417,247▲ $17,009
Net Assets / Fund Balance
Total Net Assets Fund Balance$830,817$1,001,434▲ $170,617
Total Liabilities and Net Assets / Fund Balance$1,231,055$1,418,681▲ $187,626
Compensation and Service Providers
Top Officer Pay57th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Darlene Hazel WebbSecy-treas,FT$50,320$50,320
Richard Lee MichaelPresident, DPT$23,661$23,661
Victoria Catherine MichaelVice PresidePT$7,334$7,334
James Luther SnyderDirector-$300$300
Robert Patrick HagerDirector-$300$300
Thomas Daniel HessDirector-$300$300

Board Members and Trustees

NameTitle
Allan Verus KrotzerDirector
Lindsay Marie HelselDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$444,193
Investment Income
$34,942
Other Revenue
$0
Change in Net Assets
$16,998
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$345,042
Salaries, Compensation, and Employee Benefits$117,095
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---$82,215
All Other Expenses---$46,853
Other Employee Benefits---$27,880
Other Expenses---$22,301
Fees for Services Accounting---$10,179
Payroll Taxes---$7,000
Insurance---$6,287
Occupancy---$3,726
Office Expenses---$3,603
Travel---$580
Total Functional Expenses$0$0$0$462,137
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$119,484
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Unearned Premiums$214,296
Other Liability$41,236
Reserves for Loss and Lae$19,500
Advance Premiums$18,027
Ceded Reinsurance Balances$5,826
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 35% controlled entity
No
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 victoria catherine michael richard lee michael vice pres. 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

“NO REVIEW IS PERFORMED.”

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
2020-05-14
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 IX, Line 24E

“Taxes, licenses and fees 20,583 0 0 equipment 9,949 0 0 change in unearned prem, 6,299 0 0 net claims adjustment 4,189 0 0 investment fees 2,793 0 0 depreciation of edp 2,090 0 0 donations 950 0 0 total 46,853 0 0”

Form 990, Part XI, Line 9

“Change in non-admitted assets 1,520”

Raw XML Appendix346 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/TitleTxt1PRESIDENT, D
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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 VICTORIA CATHERINE MICHAEL RICHARD LEE MICHAEL VICE PRES. 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/ExplanationTxt5NO REVIEW IS PERFORMED.
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/ExplanationTxt8TAXES, LICENSES AND FEES 20,583 0 0 EQUIPMENT 9,949 0 0 CHANGE IN UNEARNED PREM, 6,299 0 0 NET CLAIMS ADJUSTMENT 4,189 0 0 INVESTMENT FEES 2,793 0 0 DEPRECIATION OF EDP 2,090 0 0 DONATIONS 950 0 0 TOTAL 46,853 0 0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9CHANGE IN NON-ADMITTED ASSETS 1,520
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 IX, LINE 24E
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART XI, LINE 9
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt01231055
IRS990/TotalAssetsEOYAmt01418681
IRS990/TotalAssetsGrp/BOYAmt01231055
IRS990/TotalAssetsGrp/EOYAmt01418681
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0462137
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0400238
IRS990/TotalLiabilitiesEOYAmt0417247
IRS990/TotalLiabilitiesGrp/BOYAmt0400238
IRS990/TotalLiabilitiesGrp/EOYAmt0417247
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0830817
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01001434
IRS990/TotalProgramServiceRevenueAmt0444193
IRS990/TotalReportableCompFromOrgAmt082215
IRS990/TotalRevenueGrp/ExclusionAmt034942
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0444193
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0479135
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01231055
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01418681
IRS990/TravelGrp/TotalAmt0580
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/BuildTS02021-04-22 16:20:28Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0RICHARD LEE MICHAEL
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT, DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum05705468020
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-05-14
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/AtSubmissionCreationDeviceId09E65F868B2B2BE41766EAB985D0905ED590AB670
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0ADFC88EF8B887C2FDFDC3908EEFD1178D5E7E785
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt050.235.177.67
ReturnHeader/FilingSecurityInformation/IPDt02020-05-21
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm012:52:19
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/PreparationDt02020-05-14
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0HENRY J STRAUB
ReturnHeader/ReturnTs02020-05-21T12:52:19-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,418,681
Liabilities
$417,247
Net assets
$1,001,434
Revenue
$479,135
Expenses
$462,137
Net income
$16,998
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