Civic Intelligence

Mclean County Mutual Insurance Co

EIN 37-0182473 • 501(c)15

Profile

Mutual insurance company offering property and liability insurance coverage.

1702 West College Avenue61761

n/A

Siviq Scores

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

Liabilities / Assets

83rd percentile

0.37x

Higher debt load relative to assets than 83% of similar nonprofits.

$1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

88th percentile

0.76x

Higher debt load relative to revenue than 88% of similar nonprofits.

$1M-$5M nonprofits • Source year 2013

Net Margin

31st percentile

-3.9%

Higher net margin than 31% of similar nonprofits.

$1M-$5M nonprofits • Source year 2013

Top Officer Pay

65th percentile

$70,806

Higher top officer pay than 65% of similar nonprofits.

Top officer pay equals 10.2% of source-year revenue.

$1M-$5M nonprofits • Source year 2013

Asset Growth

36th percentile

-0.7%

Faster asset growth than 36% of similar nonprofits.

$1M-$5M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets83rd percentile

Assets

Down

$1,412,879

Down $9,797 (-0.7%) from 2012

Liabilities

Up

$527,754

Up $17,428 (+3.4%) from 2012

Net Assets

Down

$885,125

Down $27,225 (-3.0%) from 2012

Operations
Liabilities / Revenue88th percentileNet Margin31st percentile

Revenue

$694,922

No earlier filing loaded for comparison.

Expenses

Up

$722,147

Up $170,080 (+31%) from 2012

Net Income

-$27,225

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset Growth36th percentile

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

$1.5M$1.0M$500K$0Assets 2012: $1,422,676Liabilities 2012: $510,326Net Assets 2012: $912,3502012Assets 2013: $1,412,879Liabilities 2013: $527,754Net Assets 2013: $885,1252013

Highlighted filing

2013

Assets$1,412,879
Liabilities$527,754
Net Assets$885,125
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$800K$600K$400K$200K$0-$200KExpenses 2012: $552,0672012Revenue 2013: $694,922Expenses 2013: $722,147Net Income 2013: -$27,2252013

Highlighted filing

2013

Revenue$694,922
Expenses$722,147
Net Income-$27,225
Open 2013 Filing

Filings

Most recent year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,412,879
Liabilities
$527,754
Net assets
$885,125
Revenue
$694,922
Expenses
$722,147
Net income
-$27,225
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Detailed filing. Detailed filing data is available for this year.$1.41$0.53$0.89$0.69$0.72$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.42$0.51$0.91$0.55
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Jan 30, 2014
Return Version
2013v3.1
Gross Receipts
$694,922
Mission and Program Overview

Mission

Mutual insurance company offering property and liability insurance coverage.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$942,221$997,274▲ $55,053
Rtn Earn Endowment Incm Other Fnds$912,350$885,125▼ $27,225
Accounts Receivable$194,505$234,830▲ $40,325
Cash and Non-Interest-Bearing Accounts$243,790$136,354▼ $107,436
Prepaid Expenses and Deferred Charges$36,668$40,466▲ $3,798
Land, Buildings, and Equipment, Net$604$157▼ $447
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$1,422,676$1,412,879▼ $9,797
Other Assets Total$4,888$3,798▼ $1,090
Liabilities
Other Liabilities$505,968$522,763▲ $16,795
Accounts Payable and Accrued Expenses$4,358$4,991▲ $633
Total Liabilities$510,326$527,754▲ $17,428
Net Assets / Fund Balance
Total Net Assets Fund Balance$912,350$885,125▼ $27,225
Total Liabilities and Net Assets / Fund Balance$1,422,676$1,412,879▼ $9,797

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$157$7,035$7,192
Compensation and Service Providers
Top Officer Pay65th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Dirk ShannabargerSecretaryFT$58,295$12,511$70,806
Dawn FunkDirectorFT$48,143$8,635$56,778
Janet FunkTreasurer--$1,337$1,337

Board Members and Trustees

NameTitle
Everett LaeschPresident
Arlen SiegVice President
Dayn SchertzDirector
Donald WarsawDirector
Gene NafzigerDirector
Paul KuehlingDirector
Phillip ShannabargerDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$520,015
Investment Income
$13,275
Other Revenue
$161,632
Change in Net Assets
$-27,225
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$584,751
Salaries, Compensation, and Employee Benefits$137,396
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-$128,921-$128,921
All Other Expenses-$12,830-$12,830
Occupancy-$8,550-$8,550
Payroll Taxes-$8,475-$8,475
Other Expenses-$5,278-$5,278
Insurance-$4,850-$4,850
Fees for Services Accounting-$4,500-$4,500
Office Expenses-$2,476-$2,476
Travel-$2,445-$2,445
Information Technology-$2,388-$2,388
Conferences and Meetings-$1,995-$1,995
Depreciation Depletion-$446-$446
Advertising-$108-$108
Total Functional Expenses$0$722,147$0$722,147
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
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Gene NafzigerDirectorInsurance PremiumNo$16,667
Dayn SchertzDirectorInsurance Premium & ClaimsNo$15,208
Donald WarsawDirectorInsurance Premium & ClaimNo$12,103
Arlen SiegDirectorInsurance PremiumNo$5,207
Dawn FunkDirector/employeeInsurance Premium & ClaimNo$2,782
Paul KuehlingDirectorInsurance PremiumNo$2,262
Janet FunkDirectorInsurance PremiumNo$1,594
Phil ShannabargerDirectorInsurance PremiumNo$1,478
Everett LaeschDirectorInsurance PremiumNo$756

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Unearned Premiums$269,773
Premiums Collected for Grinnell$141,078
Commissions Payable$45,574
Unpaid Loss Reserve$30,027
Reinsurance Payable$20,944
Prepaid Premiums$15,367
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
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
Yes
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, Part VI, Line 2: Description of Business or Family Relationship of Officers, Directors, Et

“Phil shannabarger, director, is the father of dirk shannabarger, secretary.janet e. Funk, treasurer, is the mother-in-law to dawn funk, director.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“The directors review and approve the 990 prior to filing.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“Compensation of key employees is voted on by the board of directors.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“AVAILABLE UPON REQUEST”

Filing and Contact Details

Filer

EIN
37-0182473
Phone
3094521877

Signing Officer

Name
Dirk Shannabarger
Title
Secretary
Signed
2014-01-30
Discuss with paid preparer
Yes

Organization Details

Voting Board Members
9
Independent Board Members
6
Employees
2

Preparer

Preparer
Dawn M Carlson
Phone
3098286071
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IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt036668
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt040466
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0524126
IRS990/ProgramServiceRevenueGrp/Desc0Membership Dues & Assessments
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0520015
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0520015
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt021573
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0416548
IRS990/PYOtherRevenueAmt077962
IRS990/PYProgramServiceRevenueAmt0460702
IRS990/PYRevenuesLessExpensesAmt08170
IRS990/PYSalariesCompEmpBnftPaidAmt0135519
IRS990/PYTotalExpensesAmt0552067
IRS990/PYTotalRevenueAmt0560237
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-27225
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0912350
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0885125
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0942221
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0997274
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0157
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt07035
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt07192
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt045574
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1141078
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt215367
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt320944
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt4269773
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt530027
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0COMMISSIONS PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1PREMIUMS COLLECTED FOR GRINNELL
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2PREPAID PREMIUMS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3REINSURANCE PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4UNEARNED PREMIUMS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5UNPAID LOSS RESERVE
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0157
IRS990ScheduleD/TotalLiabilityAmt0522763
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm0PHIL SHANNABARGER
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm1DAWN FUNK
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm2JANET FUNK
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm3DONALD WARSAW
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm4ARLEN SIEG
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm5EVERETT LAESCH
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm6PAUL KUEHLING
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm7DAYN SCHERTZ
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm8GENE NAFZIGER
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt0DIRECTOR
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt1DIRECTOR/EMPLOYEE
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt2DIRECTOR
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt3DIRECTOR
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt4DIRECTOR
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt5DIRECTOR
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt6DIRECTOR
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt7DIRECTOR
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt8DIRECTOR
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd0false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd1false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd2false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd3false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd4false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd5false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd6false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd7false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd8false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionAmt01478
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionAmt12782
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionAmt21594
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionAmt312103
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionAmt45207
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionAmt5756
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionAmt62262
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionAmt715208
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionAmt816667
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc0INSURANCE PREMIUM
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc1INSURANCE PREMIUM & CLAIM
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc2INSURANCE PREMIUM
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc3INSURANCE PREMIUM & CLAIM
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc4INSURANCE PREMIUM
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc5INSURANCE PREMIUM
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc6INSURANCE PREMIUM
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc7INSURANCE PREMIUM & CLAIMS
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc8INSURANCE PREMIUM
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0PHIL SHANNABARGER, DIRECTOR, IS THE FATHER OF DIRK SHANNABARGER, SECRETARY.JANET E. FUNK, TREASURER, IS THE MOTHER-IN-LAW TO DAWN FUNK, DIRECTOR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE DIRECTORS REVIEW AND APPROVE THE 990 PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2COMPENSATION OF KEY EMPLOYEES IS VOTED ON BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 2: Description of Business or Family Relationship of Officers, Directors, Et
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt01422676
IRS990/TotalAssetsEOYAmt01412879
IRS990/TotalAssetsGrp/BOYAmt01422676
IRS990/TotalAssetsGrp/EOYAmt01412879
IRS990/TotalCompGreaterThan150KInd0false

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