Civic Intelligence

Pulaski & Giles Mutual Insurance Company

990 • Fiscal year 2017 • EIN 54-0348074

Jan 01, 2017 to Dec 31, 2017 • Filed on Nov 12, 2018

Organization ProfileN/A
PO Box 1917Martinsburg, WV 25402

(304) 263-0809

Siviq Scores

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

Liabilities / Assets

66th percentile

0.17x

Higher debt load relative to assets than 66% of similar nonprofits.

2017 filings • $1M-$5M nonprofits • Source year 2017

Liabilities / Revenue

93rd percentile

2.86x

Higher debt load relative to revenue than 93% of similar nonprofits.

2017 filings • $1M-$5M nonprofits • Source year 2017

Net Margin

3rd percentile

-168%

Higher net margin than 3% of similar nonprofits.

2017 filings • $1M-$5M nonprofits • Source year 2017

Top Officer Pay

45th percentile

$5,075

Higher top officer pay than 45% of similar nonprofits.

Top officer pay equals 4.4% of source-year revenue.

2017 filings • $1M-$5M nonprofits • Source year 2017

Asset Growth

94th percentile

71%

Faster asset growth than 94% of similar nonprofits.

2017 filings • $1M-$5M nonprofits • Annualized from 2016 to 2017

Revenue Growth

31st percentile

-2.3%

Faster revenue growth than 31% of similar nonprofits.

2017 filings • $1M-$5M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets66th percentile

Assets

Up

$1,968,258

Up $818,918 (+71%) from 2016

Net Assets

Up

$1,636,122

Up $585,873 (+56%) from 2016

Liabilities

Up

$332,136

Up $233,045 (+235%) from 2016

Revenue And Expenses
Liabilities / Revenue93rd percentileNet Margin3rd percentile

Revenue

Down

$115,975

Down $2,758 (-2.3%) from 2016

Expenses

Up

$310,281

Up $181,944 (+142%) from 2016

Net Income

Down

-$194,306

Down $184,702 (-1923%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth94th percentile

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

$3.0M$2.0M$1.0M$0Assets 2011: $1,182,263Liabilities 2011: $93,810Net Assets 2011: $1,088,4532011Assets 2012: $1,193,701Liabilities 2012: $90,870Net Assets 2012: $1,102,8312012Assets 2013: $1,207,904Liabilities 2013: $90,650Net Assets 2013: $1,117,2542013Assets 2014: $1,178,909Liabilities 2014: $90,270Net Assets 2014: $1,088,6392014Assets 2015: $1,150,841Liabilities 2015: $89,700Net Assets 2015: $1,061,1412015Assets 2016: $1,149,340Liabilities 2016: $99,091Net Assets 2016: $1,050,2492016Assets 2017: $1,968,258Liabilities 2017: $332,136Net Assets 2017: $1,636,1222017Assets 2018: $1,730,983Liabilities 2018: $147,472Net Assets 2018: $1,583,5112018Assets 2019: $1,834,535Liabilities 2019: $163,605Net Assets 2019: $1,670,9302019Assets 2020: $2,022,690Liabilities 2020: $221,174Net Assets 2020: $1,801,5162020Assets 2021: $2,287,196Liabilities 2021: $205,076Net Assets 2021: $2,082,1202021Assets 2022: $2,047,242Liabilities 2022: $195,229Net Assets 2022: $1,852,0132022Assets 2023: $2,288,694Liabilities 2023: $230,238Net Assets 2023: $2,058,4562023Assets 2024: $2,497,334Liabilities 2024: $322,231Net Assets 2024: $2,175,1032024

Highlighted filing

2017

Assets$1,968,258
Liabilities$332,136
Net Assets$1,636,122
Open 2017 Filing

Operations Trend

Revenue Growth31st percentile

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

$600K$400K$200K$0-$200KRevenue 2011: $128,072Expenses 2011: $190,704Net Income 2011: -$62,6322011Revenue 2012: $126,028Expenses 2012: $111,650Net Income 2012: $14,3782012Revenue 2013: $122,274Expenses 2013: $107,851Net Income 2013: $14,4232013Revenue 2014: $119,161Expenses 2014: $147,776Net Income 2014: -$28,6152014Revenue 2015: $118,529Expenses 2015: $146,027Net Income 2015: -$27,4982015Revenue 2016: $118,733Expenses 2016: $128,337Net Income 2016: -$9,6042016Revenue 2017: $115,975Expenses 2017: $310,281Net Income 2017: -$194,3062017Revenue 2018: $172,793Expenses 2018: $189,506Net Income 2018: -$16,7132018Revenue 2019: $196,747Expenses 2019: $207,563Net Income 2019: -$10,8162019Revenue 2020: $301,080Expenses 2020: $218,248Net Income 2020: $82,8322020Revenue 2021: $326,656Expenses 2021: $242,067Net Income 2021: $84,5892021Revenue 2022: $356,103Expenses 2022: $328,775Net Income 2022: $27,3282022Revenue 2023: $354,766Expenses 2023: $314,782Net Income 2023: $39,9842023Revenue 2024: $453,162Expenses 2024: $513,733Net Income 2024: -$60,5712024

Highlighted filing

2017

Revenue$115,975
Expenses$310,281
Net Income-$194,306
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 12, 2018
Return Version
2017v2.3
Gross Receipts
$115,975
Mission and Program Overview

Mission

Mutual property and casualty insurance company operating in the state of virginia

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$1,050,249$1,636,122▲ $585,873
Cash and Non-Interest-Bearing Accounts-$1,046,443-
Savings and Temporary Cash Investments$1,144,936$910,000▼ $234,936
Accounts Receivable-$10,508-
Land, Buildings, and Equipment, Net$3,230--
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,149,340$1,968,258▲ $818,918
Other Assets Total$1,174$1,307▲ $133
Liabilities
Other Liabilities$1,000$220,068▲ $219,068
Deferred Revenue$86,080$110,299▲ $24,219
Accounts Payable and Accrued Expenses$12,011$1,769▼ $10,242
Total Liabilities$99,091$332,136▲ $233,045
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,050,249$1,636,122▲ $585,873
Total Liabilities and Net Assets / Fund Balance$1,149,340$1,968,258▲ $818,918
Compensation and Service Providers
Top Officer Pay45th percentile

Employees

NameTitleFull / Part TimeBaseTotal
James B BucklandDirector/secretaryPT$5,075$5,075
Michelle DelungDirector/treasurerPT$4,000$4,000

Board Members and Trustees

NameTitle
Foster L Sirbaugh JrDirector/president
Daniel R OttoDirector/vice President
James W Daily IiDirector/COB
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$109,912
Investment Income
$6,046
Other Revenue
$17
Change in Net Assets
$-194,306
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$170,100
Salaries, Compensation, and Employee Benefits$108,975
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---$108,339
Information Technology---$89,644
Benefits to Members---$31,206
Fees for Services Management---$25,075
Fees for Services Accounting---$10,324
Fees for Services Other---$4,814
Travel---$2,933
Office Expenses---$2,884
Other Expenses---$2,300
Occupancy---$922
Payroll Taxes---$636
Insurance---$354
All Other Expenses---$-258
Total Functional Expenses$0$0$0$310,281
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
Net Outstandig Loss Reserve$201,000
Payables to Affiliates$19,068
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
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The organization has voting members or stockholders”

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

“The organization members/stockholders have the power to elect or appoint additional members to the governing body”

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

“Organizations process to review form 990: the directors review form 990 before it is filed.”

Form 990, Part VI, Section B, Line 12C

“Enforcements of conflicts policy: the directors complete a new conflict of interest policy each year.”

Form 990, Part VI, Section C, Line 19

“Governing documents disclosure explanation: documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
Pulaski and Giles Mutual
EIN
54-0348074
Phone
3042630809
Address
PO BOX 1917, MARTINSBURG, WV 25402

Signing Officer

Name
Dan Otto
Title
Senior Vice President
Phone
3042630809
Signed
2018-11-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Daniel R Otto
Formed
1900
Legal Domicile
Va
Voting Board Members
5
Independent Board Members
0
Employees
3
Volunteers
0

Preparer

Firm
Buffamante Whipple Buttafaro Pc
Address
201 WEST THIRD STREET, JAMESTOWN, NY 14701
Preparer
Michael D Staley CPA
Phone
7166645104
Supplemental Narrative

Additional Explanations

Form 990, Part X, Line 32, Column B

“.net assets of $780,179 received from dan river farmers mutual fire insurance company via merger on december 31, 2017.”

Form 990, Part X

“Balances include cash assumed of $999,200, net premiums receivable assumed of $3,884, net outstanding loss reserve assumed of $200,000, accounts payble and accrued expenses assumed of $1,847, and unearned premium reserve assumed of $21,058. These amounts were assumed via merger with dan river farmers mutual fire insurance company on december 31, 2017.”

FORM 990, PART XI, LINE 9:

“Net assets assumed from dan river farmers mutual fire insurance company (ein 54-0187740) upon completion of merger on december 31, 2017 780,179.”

Raw XML Appendix322 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.

Path#Value
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IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO BOX 1917
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IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR/PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR/VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR/COB
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IRS990/GrantsToIndividualsInd00
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IRS990/GroupReturnForAffiliatesInd00
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IRS990/OtherExpensesGrp/Desc2BOARDS, BUREAUS, AND AS
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IRS990/ScheduleBRequiredInd00
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IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
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IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HAS VOTING MEMBERS OR STOCKHOLDERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION MEMBERS/STOCKHOLDERS HAVE THE POWER TO ELECT OR APPOINT ADDITIONAL MEMBERS TO THE GOVERNING BODY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ORGANIZATIONS PROCESS TO REVIEW FORM 990: THE DIRECTORS REVIEW FORM 990 BEFORE IT IS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ENFORCEMENTS OF CONFLICTS POLICY: THE DIRECTORS COMPLETE A NEW CONFLICT OF INTEREST POLICY EACH YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4GOVERNING DOCUMENTS DISCLOSURE EXPLANATION: DOCUMENTS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5.NET ASSETS OF $780,179 RECEIVED FROM DAN RIVER FARMERS MUTUAL FIRE INSURANCE COMPANY VIA MERGER ON DECEMBER 31, 2017.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6BALANCES INCLUDE CASH ASSUMED OF $999,200, NET PREMIUMS RECEIVABLE ASSUMED OF $3,884, NET OUTSTANDING LOSS RESERVE ASSUMED OF $200,000, ACCOUNTS PAYBLE AND ACCRUED EXPENSES ASSUMED OF $1,847, AND UNEARNED PREMIUM RESERVE ASSUMED OF $21,058. THESE AMOUNTS WERE ASSUMED VIA MERGER WITH DAN RIVER FARMERS MUTUAL FIRE INSURANCE COMPANY ON DECEMBER 31, 2017.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7NET ASSETS ASSUMED FROM DAN RIVER FARMERS MUTUAL FIRE INSURANCE COMPANY (EIN 54-0187740) UPON COMPLETION OF MERGER ON DECEMBER 31, 2017 780,179.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART X, LINE 32, COLUMN B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART X
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
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IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt01149340
IRS990/TotalAssetsEOYAmt01968258
IRS990/TotalAssetsGrp/BOYAmt01149340
IRS990/TotalAssetsGrp/EOYAmt01968258
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/TotalAmt0310281
IRS990/TotalGrossUBIAmt00
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IRS990/TotalLiabilitiesEOYAmt0332136
IRS990/TotalLiabilitiesGrp/BOYAmt099091
IRS990/TotalLiabilitiesGrp/EOYAmt0332136
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IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01636122
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0310281
IRS990/TotalProgramServiceRevenueAmt0109912
IRS990/TotalReportableCompFromOrgAmt09075
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0115975
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0115975
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
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IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01968258
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt02933
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IRS990/UnrelatedBusIncmOverLimitInd00
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0161117932
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ReturnHeader/PreparerPersonGrp/PhoneNum07166645104
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MICHAEL D STALEY CPA
ReturnHeader/ReturnTs02018-11-12T08:26:55-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,968,258
Liabilities
$332,136
Net assets
$1,636,122
Revenue
$115,975
Expenses
$310,281
Net income
-$194,306
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$2.50$0.32$2.18$0.45$0.51$0.06
2023Detailed filing. Detailed filing data is available for this year.$2.29$0.23$2.06$0.35$0.31$0.04
2022Detailed filing. Detailed filing data is available for this year.$2.05$0.20$1.85$0.36$0.33$0.03
2021Detailed filing. Detailed filing data is available for this year.$2.29$0.21$2.08$0.33$0.24$0.08
2020Detailed filing. Detailed filing data is available for this year.$2.02$0.22$1.80$0.30$0.22$0.08
2019Summary only. Only limited summary data is available for this year.$1.83$0.16$1.67$0.20$0.21$0.01
2018Summary only. Only limited summary data is available for this year.$1.73$0.15$1.58$0.17$0.19$0.02
2017Detailed filing. Detailed filing data is available for this year.$1.97$0.33$1.64$0.12$0.31$0.19
2016Summary only. Only limited summary data is available for this year.$1.15$0.10$1.05$0.12$0.13$0.01
2015Summary only. Only limited summary data is available for this year.$1.15$0.09$1.06$0.12$0.15$0.03
2014Summary only. Only limited summary data is available for this year.$1.18$0.09$1.09$0.12$0.15$0.03
2013Summary only. Only limited summary data is available for this year.$1.21$0.09$1.12$0.12$0.11$0.01
2012Summary only. Only limited summary data is available for this year.$1.19$0.09$1.10$0.13$0.11$0.01
2011Summary only. Only limited summary data is available for this year.$1.18$0.09$1.09$0.13$0.19$0.06
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2017 filings • 501(c)15 • $1M-$5M nonprofits