Civic Intelligence

Stephenson County Mutual Insurance

990 • Fiscal year 2020 • EIN 36-1694846

Jan 01, 2020 to Dec 31, 2020 • Filed on Jul 21, 2021

Organization Profile
108 N Main StreetRock City, IL 61070

(815) 865-5131

Siviq Scores

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

Liabilities / Assets

31st percentile

0.00x

Higher debt load relative to assets than 31% of similar nonprofits.

2020 filings • $1M-$5M nonprofits • Source year 2020

Liabilities / Revenue

31st percentile

0.00x

Higher debt load relative to revenue than 31% of similar nonprofits.

2020 filings • $1M-$5M nonprofits • Source year 2020

Net Margin

23rd percentile

-16%

Higher net margin than 23% of similar nonprofits.

2020 filings • $1M-$5M nonprofits • Source year 2020

Top Officer Pay

79th percentile

$111,889

Higher top officer pay than 79% of similar nonprofits.

Top officer pay equals 28.3% of source-year revenue.

2020 filings • $1M-$5M nonprofits • Source year 2020

Asset Growth

19th percentile

-4.1%

Faster asset growth than 19% of similar nonprofits.

2020 filings • $1M-$5M nonprofits • Annualized from 2019 to 2020

Revenue Growth

56th percentile

2.7%

Faster revenue growth than 56% of similar nonprofits.

2020 filings • $1M-$5M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets31st percentile

Assets

Down

$1,518,842

Down $65,510 (-4.1%) from 2019

Net Assets

Down

$1,518,819

Down $65,042 (-4.1%) from 2019

Liabilities

Down

$23

Down $468 (-95%) from 2019

Revenue And Expenses
Liabilities / Revenue31st percentileNet Margin23rd percentile

Revenue

Up

$395,753

Up $10,240 (+2.7%) from 2019

Expenses

Up

$460,795

Up $104,726 (+29%) from 2019

Net Income

Down

-$65,042

Down $94,486 (-321%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth19th percentile

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

$2.0M$1.5M$1.0M$500K$0-$500KAssets 2010: $1,647,377Liabilities 2010: $1,284Net Assets 2010: $1,646,0932010Assets 2011: $1,707,078Liabilities 2011: $1,017Net Assets 2011: $1,706,0612011Assets 2012: $1,724,358Liabilities 2012: $1,793Net Assets 2012: $1,722,5652012Assets 2013: $1,729,032Liabilities 2013: $1,246Net Assets 2013: $1,727,7862013Assets 2014: $1,741,122Liabilities 2014: $1,589Net Assets 2014: $1,739,5332014Assets 2015: $1,759,604Liabilities 2015: $1,464Net Assets 2015: $1,758,1402015Assets 2016: $1,528,311Liabilities 2016: $1,171Net Assets 2016: $1,527,1402016Assets 2017: $1,555,221Liabilities 2017: $1,116Net Assets 2017: $1,554,1052017Assets 2018: $1,555,314Liabilities 2018: $897Net Assets 2018: $1,554,4172018Assets 2019: $1,584,352Liabilities 2019: $491Net Assets 2019: $1,583,8612019Assets 2020: $1,518,842Liabilities 2020: $23Net Assets 2020: $1,518,8192020Assets 2021: $1,401,000Liabilities 2021: -$509Net Assets 2021: $1,401,5092021Assets 2022: $1,324,184Liabilities 2022: -$1,518Net Assets 2022: $1,325,7022022Assets 2023: $0Liabilities 2023: $0Net Assets 2023: $02023

Highlighted filing

2020

Assets$1,518,842
Liabilities$23
Net Assets$1,518,819
Open 2020 Filing

Operations Trend

Revenue Growth56th percentile

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

$1.0M$500K$0-$500KExpenses 2010: $421,9172010Expenses 2011: $319,1202011Expenses 2012: $351,9212012Revenue 2013: $347,107Expenses 2013: $341,886Net Income 2013: $5,2212013Revenue 2014: $359,641Expenses 2014: $347,894Net Income 2014: $11,7472014Revenue 2015: $361,657Expenses 2015: $343,050Net Income 2015: $18,6072015Revenue 2016: $348,229Expenses 2016: $579,229Net Income 2016: -$231,0002016Revenue 2017: $345,297Expenses 2017: $318,332Net Income 2017: $26,9652017Revenue 2018: $370,939Expenses 2018: $370,627Net Income 2018: $3122018Revenue 2019: $385,513Expenses 2019: $356,069Net Income 2019: $29,4442019Revenue 2020: $395,753Expenses 2020: $460,795Net Income 2020: -$65,0422020Revenue 2021: $373,897Expenses 2021: $491,207Net Income 2021: -$117,3102021Revenue 2022: $372,380Expenses 2022: $448,187Net Income 2022: -$75,8072022Revenue 2023: $431,562Expenses 2023: $425,494Net Income 2023: $6,0682023

Highlighted filing

2020

Revenue$395,753
Expenses$460,795
Net Income-$65,042
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Jul 21, 2021
Return Version
2020v4.0
Gross Receipts
$395,753
Mission and Program Overview

Mission

MUTUAL INSURANCE COMPANY

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$1,583,861$1,518,819▼ $65,042
Savings and Temporary Cash Investments$1,535,828$1,424,107▼ $111,721
Cash and Non-Interest-Bearing Accounts$40,022$87,234▲ $47,212
Land, Buildings, and Equipment, Net$7,000$6,000▼ $1,000
Investments in Publicly Traded Securities$2$1▼ $1
Total Assets$1,584,352$1,518,842▼ $65,510
Other Assets Total$1,500$1,500→ $0
Liabilities
Other Liabilities$491$23▼ $468
Total Liabilities$491$23▼ $468
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,583,861$1,518,819▼ $65,042
Total Liabilities and Net Assets / Fund Balance$1,584,352$1,518,842▼ $65,510

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,000$19,000$20,000
Land$5,000-$5,000
Compensation and Service Providers
Top Officer Pay79th percentile

Employees

NameTitleFull / Part TimeBaseTotal
David GraybillSecretary/trFT$111,889$111,889

Board Members and Trustees

NameTitle
Larry PfilePresident
David GoekeDirector
Dennis MeinertDirector
George SuessDirector
Kevin LudekingDirector
Merle ShoemakerDirector
Valerie WeberDirector
John JeschkeVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$348,632
Investment Income
$33,951
Other Revenue
$13,170
Change in Net Assets
$-65,042
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$322,731
Salaries, Compensation, and Employee Benefits$138,064
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$111,889--$111,889
Other Salaries and Wages$21,000--$21,000
Insurance$10,770--$10,770
Office Expenses$10,401--$10,401
Fees for Services Accounting$6,833--$6,833
Payroll Taxes$5,175--$5,175
Occupancy$4,429--$4,429
All Other Expenses$4,335--$4,335
Other Expenses$3,366--$3,366
Advertising$2,380--$2,380
Depreciation Depletion$1,000--$1,000
Conferences and Meetings$545--$545
Total Functional Expenses$460,795$0$0$460,795
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
Liability Premiums Payable$23
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Audit committee
Yes
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
No
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 11B

“Form 990 will be made available to board members either before or after filing.”

Form 990, Page 6, Part VI, Line 19

“Existing documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
Stephenson County Mutual Insurance
EIN
36-1694846
Phone
8158655131
Address
108 N MAIN STREET, ROCK CITY, IL 61070

Signing Officer

Name
David Graybill
Title
Secretary/treasurer
Phone
8158655131
Signed
2021-07-21
Discuss with paid preparer
Yes

Organization Details

Principal Officer
David Graybill
Voting Board Members
9
Independent Board Members
9
Employees
2

Preparer

Firm
Benning Group LLC
Address
1809 10TH ST, MONROE, WI 53566-1830
Preparer
Jenny L Blocker
Phone
6083255035
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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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1EXISTING DOCUMENTS ARE AVAILABLE UPON REQUEST.
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IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0361802
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ReturnHeader/TaxYr02020

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,518,842
Liabilities
$23
Net assets
$1,518,819
Revenue
$395,753
Expenses
$460,795
Net income
-$65,042
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.43$0.43$0.01
2022Detailed filing. Detailed filing data is available for this year.$1.32$0.00$1.33$0.37$0.45$0.08
2021Detailed filing. Detailed filing data is available for this year.$1.40$0.00$1.40$0.37$0.49$0.12
2020Detailed filing. Detailed filing data is available for this year.$1.52$0.00$1.52$0.40$0.46$0.07
2019Detailed filing. Detailed filing data is available for this year.$1.58$0.00$1.58$0.39$0.36$0.03
2018Detailed filing. Detailed filing data is available for this year.$1.56$0.00$1.55$0.37$0.37$0.00
2017Detailed filing. Detailed filing data is available for this year.$1.56$0.00$1.55$0.35$0.32$0.03
2016Detailed filing. Detailed filing data is available for this year.$1.53$0.00$1.53$0.35$0.58$0.23
2015Detailed filing. Detailed filing data is available for this year.$1.76$0.00$1.76$0.36$0.34$0.02
2014Detailed filing. Detailed filing data is available for this year.$1.74$0.00$1.74$0.36$0.35$0.01
2013Detailed filing. Detailed filing data is available for this year.$1.73$0.00$1.73$0.35$0.34$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.72$0.00$1.72$0.35
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.71$0.00$1.71$0.32
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.65$0.00$1.65$0.42