Civic Intelligence

Caledonia Mutual Fire Insurance Co

EIN 39-1031970 • 501(c)15 • Portage, WI

Profile

Insurance company providing affordable property and casualty coverage to local policyholders, while maintaining minimal gross profits and gross receipts.

N5725 Hwy 78Portage, WI 53901
Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2023

Liabilities / Revenue

66th percentile

0.00x

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

<$500k nonprofits • Source year 2023

Net Margin

68th percentile

13%

Higher net margin than 68% of similar nonprofits.

<$500k nonprofits • Source year 2023

Top Officer Pay

86th percentile

$7,025

Higher top officer pay than 86% of similar nonprofits.

Top officer pay equals 2.2% of source-year revenue.

<$500k nonprofits • Source year 2023

Asset Growth

12th percentile

-100%

Faster asset growth than 12% of similar nonprofits.

<$500k nonprofits • Annualized from 2022 to 2023

Revenue Growth

65th percentile

11%

Faster revenue growth than 65% of similar nonprofits.

<$500k nonprofits • Annualized from 2022 to 2023

Assets

Down

$0

Down $638,464 (-100%) from 2022

Liabilities

Down

$0

Down $23,521 (-100%) from 2022

Net Assets

Down

$0

Down $614,943 (-100%) from 2022

Revenue

Up

$313,744

Up $31,404 (+11%) from 2022

Expenses

Down

$271,907

Down $92,715 (-25%) from 2022

Net Income

Up

$41,837

Up $124,119 (+151%) from 2022

Trend Graphs

Balance Sheet Trend

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

$1.0M$500K$0Assets 2011: $582,060Liabilities 2011: $30,202Net Assets 2011: $551,8582011Assets 2012: $593,051Liabilities 2012: $11,886Net Assets 2012: $581,1652012Assets 2013: $640,030Liabilities 2013: $12,104Net Assets 2013: $627,9262013Assets 2014: $688,828Liabilities 2014: $14,947Net Assets 2014: $673,8812014Assets 2015: $700,606Liabilities 2015: $9,038Net Assets 2015: $691,5682015Assets 2016: $685,171Liabilities 2016: $15,329Net Assets 2016: $669,8422016Assets 2017: $713,165Liabilities 2017: $8,501Net Assets 2017: $704,6642017Assets 2018: $686,157Liabilities 2018: $10,931Net Assets 2018: $675,2262018Assets 2019: $749,527Liabilities 2019: $22,804Net Assets 2019: $726,7232019Assets 2020: $751,002Liabilities 2020: $17,679Net Assets 2020: $733,3232020Assets 2021: $814,610Liabilities 2021: $44,036Net Assets 2021: $770,5742021Assets 2022: $638,464Liabilities 2022: $23,521Net Assets 2022: $614,9432022Assets 2023: $0Liabilities 2023: $0Net Assets 2023: $02023

Highlighted filing

2023

Assets$0
Liabilities$0
Net Assets$0

Operations Trend

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

$600K$400K$200K$0-$200KRevenue 2011: $195,252Expenses 2011: $202,487Net Income 2011: -$7,2352011Revenue 2012: $104,734Expenses 2012: $81,872Net Income 2012: $22,8622012Revenue 2013: $120,205Expenses 2013: $109,839Net Income 2013: $10,3662013Revenue 2014: $155,768Expenses 2014: $129,627Net Income 2014: $26,1412014Revenue 2015: $102,586Expenses 2015: $73,157Net Income 2015: $29,4292015Revenue 2016: $140,792Expenses 2016: $181,339Net Income 2016: -$40,5472016Revenue 2017: $197,127Expenses 2017: $163,099Net Income 2017: $34,0282017Revenue 2018: $517,168Expenses 2018: $522,567Net Income 2018: -$5,3992018Revenue 2019: $238,496Expenses 2019: $221,593Net Income 2019: $16,9032019Revenue 2020: $217,876Expenses 2020: $204,015Net Income 2020: $13,8612020Revenue 2021: $226,984Expenses 2021: $247,804Net Income 2021: -$20,8202021Revenue 2022: $282,340Expenses 2022: $364,622Net Income 2022: -$82,2822022Revenue 2023: $313,744Expenses 2023: $271,907Net Income 2023: $41,8372023

Highlighted filing

2023

Revenue$313,744
Expenses$271,907
Net Income$41,837

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$3.14$2.72$0.42
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.38$0.24$6.15$2.82$3.65$0.82
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.15$0.44$7.71$2.27$2.48$0.21
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.51$0.18$7.33$2.18$2.04$0.14
2019Summary only. Only limited summary data is available for this year.$7.50$0.23$7.27$2.38$2.22$0.17
2018Summary only. Only limited summary data is available for this year.$6.86$0.11$6.75$5.17$5.23$0.05
2017Summary only. Only limited summary data is available for this year.$7.13$0.09$7.05$1.97$1.63$0.34
2016Summary only. Only limited summary data is available for this year.$6.85$0.15$6.70$1.41$1.81$0.41
2015Summary only. Only limited summary data is available for this year.$7.01$0.09$6.92$1.03$0.73$0.29
2014Summary only. Only limited summary data is available for this year.$6.89$0.15$6.74$1.56$1.30$0.26
2013Summary only. Only limited summary data is available for this year.$6.40$0.12$6.28$1.20$1.10$0.10
2012Summary only. Only limited summary data is available for this year.$5.93$0.12$5.81$1.05$0.82$0.23
2011Summary only. Only limited summary data is available for this year.$5.82$0.30$5.52$1.95$2.02$0.07
Latest Detailed Filing

The latest 2023 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2021 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
May 3, 2022
Return Version
2021v4.2
Gross Receipts
$227,319
Mission and Program Overview

Mission

Insurance company providing affordable property and casualty coverage to local policyholders, while maintaining minimal gross profits and gross receipts.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$733,323$770,574▲ $37,251
Investments in Publicly Traded Securities$249,694$377,285▲ $127,591
Savings and Temporary Cash Investments$388,797$368,933▼ $19,864
Investments Other Securities$37,860$36,375▼ $1,485
Cash and Non-Interest-Bearing Accounts$66,939$27,886▼ $39,053
Total Assets$751,002$814,610▲ $63,608
Other Assets Total$7,712$4,131▼ $3,581
Liabilities
Other Liabilities$17,679$44,036▲ $26,357
Total Liabilities$17,679$44,036▲ $26,357
Net Assets / Fund Balance
Total Net Assets Fund Balance$733,323$770,574▲ $37,251
Total Liabilities and Net Assets / Fund Balance$751,002$814,610▲ $63,608
Compensation and Service Providers

Employees

NameTitleBaseTotal
Patricia ZiehmkeManager$5,275$5,275
Jeff MillerSecretary/Treasurer$2,015$2,015
David ZiehmkePresident$1,884$1,884
Alvin SchultzDirector$325$325
Mike MountfordDirector$325$325
Robert AllenDirector$325$325
Emery BensonDirector$275$275
Max PaskeDirector$225$225
Ryan SchellDirector$200$200
William StatzVice President$150$150
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$212,502
Investment Income
$13,884
Other Revenue
$598
Change in Net Assets
$-20,820
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$236,239
Salaries, Compensation, and Employee Benefits$11,565
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
All Other Expenses---$11,175
Current Officers, Directors, Trustees, and Key Employees---$10,999
Fees for Services Accounting---$8,300
Insurance---$4,696
Office Expenses---$1,748
Other Expenses---$1,444
Payroll Taxes---$566
Conferences and Meetings---$373
Advertising---$54
Total Functional Expenses$0$0$0$247,804
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
Federal income taxes$23,426
Unpaid Loss Adjustment Expenses$13,072
Unearned Premiums$7,328
Net Unpaid Losses$210
Fire Department Dues Payable-
Payroll Taxes Payable-
Reinsurance Payable-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
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
Yes
Other officer compensation reviewed
Yes
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, Part VI, Section A, Line 2

Patricia Ziehmke, Manager and David Ziehmke, President are married.

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

Members are all policyholders. Elections are done at the annual meeting by the policyholders which is a verbal vote.

Form 990, Part VI, Section B, Line 11A

The Form 990 is reviewed by the Manager and compared to internal financial records and the filed Annual Statement.

Form 990, Part VI, Section B, Line 12

The company does have a written conflict of interest policy which all directors and key employees sign annually.

Form 990, Part VI, Section B, Line 14

All documents are retained for the required seven years.

Form 990, Part VI, Section B, Line 15

The board approves all compensation changes for officers, directors and/or key employees after review of company financial performance and personal performance evaluations.

Form 990, Part VI, Section C, Line 19

Annual statements and policyholders reports are made available to all policyholders at the annual meeting.

Form 990, Part VI, Section A, Line 9

William Statz - N6326 Raven Rd Pardeeville WI 53954 Donald Ziemke - W11731 Hwy W Baraboo WI 53913 Max Paske - W11259 County Rd W Portage WI 53901 Robert Allen - W11456 McDonald Rd Merrimac WI 53561 Jeff Miller - N5625 Drake Rd Rio WI 53960 Alvin Schultz - S6557 Hwy 78 Merrimac WI 53961 Emery Benson - N4519 State Rd 78 Merrimac WI 53561 Mike Mountford - N5775 Beich Rd Portage WI 53901 Ryan Schell - 221 11th Street Baraboo WI 53913

Filing and Contact Details

Filer

Filer Name
Caledonia Mutual Fire Insurance Company
EIN
39-1031970
Phone
6087424885
Address
N5725 Hwy 78, Portage, WI 53901

Signing Officer

Name
David Ziehmke
Title
President
Phone
6087424885
Signed
2022-05-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
David Ziehmke
Formed
1905
Legal Domicile
Wi
Voting Board Members
9
Independent Board Members
7
Employees
3

Preparer

Firm
Strohm Ballweg LLP
Address
9701 Brader Way Suite 301, Middleton, WI 53562
Preparer
Thomas W Dawson
Phone
6088210600
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 5

Net unrealized capital gain 58,071

Raw XML Appendix366 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/PYTotalRevenueAmt0217876
IRS990/ReconcilationRevenueExpnssAmt0-20820
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0733323
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0770574
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0388797
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0368933
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0false
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt023426
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1210
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt213072
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt37328
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Federal income taxes
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Net Unpaid Losses
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Unpaid Loss Adjustment Expenses
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Unearned Premiums
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4Fire Department Dues Payable
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5Payroll Taxes Payable
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6Reinsurance Payable
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Financial derivatives and other financial products
IRS990ScheduleD/OtherSecuritiesGrp/Desc1Closely-held equity interests
IRS990ScheduleD/TotalLiabilityAmt044036
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Patricia Ziehmke, Manager and David Ziehmke, President are married.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members are all policyholders. Elections are done at the annual meeting by the policyholders which is a verbal vote.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The Form 990 is reviewed by the Manager and compared to internal financial records and the filed Annual Statement.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The company does have a written conflict of interest policy which all directors and key employees sign annually.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4All documents are retained for the required seven years.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The board approves all compensation changes for officers, directors and/or key employees after review of company financial performance and personal performance evaluations.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Annual statements and policyholders reports are made available to all policyholders at the annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7William Statz - N6326 Raven Rd Pardeeville WI 53954 Donald Ziemke - W11731 Hwy W Baraboo WI 53913 Max Paske - W11259 County Rd W Portage WI 53901 Robert Allen - W11456 McDonald Rd Merrimac WI 53561 Jeff Miller - N5625 Drake Rd Rio WI 53960 Alvin Schultz - S6557 Hwy 78 Merrimac WI 53961 Emery Benson - N4519 State Rd 78 Merrimac WI 53561 Mike Mountford - N5775 Beich Rd Portage WI 53901 Ryan Schell - 221 11th Street Baraboo WI 53913
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Net unrealized capital gain 58,071
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 6 7
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 11a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 12
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 14
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part VI, Section A, Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990, Part XI, Line 5
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0WI
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0751002
IRS990/TotalAssetsEOYAmt0814610
IRS990/TotalAssetsGrp/BOYAmt0751002
IRS990/TotalAssetsGrp/EOYAmt0814610
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/TotalAmt0247804
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt017679
IRS990/TotalLiabilitiesEOYAmt044036
IRS990/TotalLiabilitiesGrp/BOYAmt017679
IRS990/TotalLiabilitiesGrp/EOYAmt044036
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0733323
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0770574
IRS990/TotalProgramServiceRevenueAmt0212502
IRS990/TotalReportableCompFromOrgAmt010999
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0226984
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0226984
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0751002
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0814610
IRS990/TravelGrp/TotalAmt00
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0N5725 Hwy 78
IRS990/USAddress/CityNm0Portage
IRS990/USAddress/StateAbbreviationCd0WI
IRS990/USAddress/ZIPCd053901
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt07
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd02
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0David Ziehmke
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum06087424885
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-05-03
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Caledonia Mutual Fire Insurance Company
ReturnHeader/Filer/BusinessNameControlTxt0CALE
ReturnHeader/Filer/EIN0391031970
ReturnHeader/Filer/PhoneNum06087424885
ReturnHeader/Filer/USAddress/AddressLine1Txt0N5725 Hwy 78
ReturnHeader/Filer/USAddress/CityNm0Portage
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WI
ReturnHeader/Filer/USAddress/ZIPCd053901
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0391969986
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Strohm Ballweg LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt09701 Brader Way Suite 301
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Middleton
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd053562
ReturnHeader/PreparerPersonGrp/PhoneNum06088210600
ReturnHeader/PreparerPersonGrp/PreparationDt02022-05-03
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Thomas W Dawson
ReturnHeader/ReturnTs02022-05-03T04:16:23-00:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0David
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0Ziehmke
ReturnHeader/TaxPeriodBeginDt02021-01-01
ReturnHeader/TaxPeriodEndDt02021-12-31
ReturnHeader/TaxYr02021

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