Civic Intelligence

Catholic Life Insurance

990 • Fiscal year 2013 • EIN 74-0548665

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 14, 2014

Organization ProfileWWW.CATHOLICLIFEINSURANCE.COM

View Organization Page

1635 NE Loop 410Suite 30078209

(210) 828-9921

Siviq Scores

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

Liabilities / Assets

93rd percentile

0.93x

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

2013 filings • $1B+ nonprofits • Source year 2013

Liabilities / Revenue

78th percentile

8.82x

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

2013 filings • $1B+ nonprofits • Source year 2013

Net Margin

44th percentile

7.0%

Higher net margin than 44% of similar nonprofits.

2013 filings • $1B+ nonprofits • Source year 2013

Top Officer Pay

26th percentile

$672,553

Higher top officer pay than 26% of similar nonprofits.

Top officer pay equals 0.6% of source-year revenue.

2013 filings • $1B+ nonprofits • Source year 2013

Asset Growth

29th percentile

4.2%

Faster asset growth than 29% of similar nonprofits.

2013 filings • $1B+ nonprofits • Annualized from 2012 to 2013

Revenue Growth

14th percentile

-8.1%

Faster revenue growth than 14% of similar nonprofits.

2013 filings • $1B+ nonprofits • Annualized from 2012 to 2013

Balance Sheet
Liabilities / Assets93rd percentile

Assets

Up

$1,019,070,981

Up $41,203,965 (+4.2%) from 2012

Net Assets

Up

$75,262,141

Up $4,798,344 (+6.8%) from 2012

Liabilities

Up

$943,808,840

Up $36,405,621 (+4.0%) from 2012

Revenue And Expenses
Liabilities / Revenue78th percentileNet Margin44th percentile

Revenue

Down

$107,049,766

Down $9,408,891 (-8.1%) from 2012

Expenses

Down

$99,558,214

Down $8,181,439 (-7.6%) from 2012

Net Income

Down

$7,491,552

Down $1,227,452 (-14%) from 2012

Historical Trend

Balance Sheet Trend

Asset Growth29th percentile

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

$1.5B$1.0B$500M$0Assets 2010: $851,337,726Liabilities 2010: $790,778,288Net Assets 2010: $60,559,4382010Assets 2011: $921,362,366Liabilities 2011: $856,580,230Net Assets 2011: $64,782,1362011Assets 2012: $977,867,016Liabilities 2012: $907,403,219Net Assets 2012: $70,463,7972012Assets 2013: $1,019,070,981Liabilities 2013: $943,808,840Net Assets 2013: $75,262,1412013Assets 2014: $1,064,943,224Liabilities 2014: $986,447,632Net Assets 2014: $78,495,5922014Assets 2015: $1,101,409,153Liabilities 2015: $1,017,685,058Net Assets 2015: $83,724,0952015Assets 2016: $1,153,734,920Liabilities 2016: $1,066,676,175Net Assets 2016: $87,058,7452016Assets 2017: $1,178,251,273Liabilities 2017: $1,087,193,823Net Assets 2017: $91,057,4502017Assets 2018: $1,191,991,110Liabilities 2018: $1,094,168,974Net Assets 2018: $97,822,1362018Assets 2019: $1,207,953,221Liabilities 2019: $1,104,699,746Net Assets 2019: $103,253,4752019Assets 2020: $1,234,007,036Liabilities 2020: $1,128,176,219Net Assets 2020: $105,830,8172020Assets 2021: $1,259,804,171Liabilities 2021: $1,150,819,962Net Assets 2021: $108,984,2092021Assets 2022: $1,276,938,142Liabilities 2022: $1,165,800,833Net Assets 2022: $111,137,3092022Assets 2023: $1,265,111,807Liabilities 2023: $1,150,782,266Net Assets 2023: $114,329,5412023Assets 2024: $1,233,652,419Liabilities 2024: $1,117,766,101Net Assets 2024: $115,886,3182024

Highlighted filing

2013

Assets$1,019,070,981
Liabilities$943,808,840
Net Assets$75,262,141
Open 2013 Filing

Operations Trend

Revenue Growth14th percentile

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

$200M$150M$100M$50M$0Expenses 2010: $140,604,2612010Expenses 2011: $126,621,7712011Revenue 2012: $116,458,657Expenses 2012: $107,739,653Net Income 2012: $8,719,0042012Revenue 2013: $107,049,766Expenses 2013: $99,558,214Net Income 2013: $7,491,5522013Revenue 2014: $114,548,914Expenses 2014: $104,030,132Net Income 2014: $10,518,7822014Revenue 2015: $114,026,492Expenses 2015: $106,436,053Net Income 2015: $7,590,4392015Revenue 2016: $123,014,741Expenses 2016: $116,604,789Net Income 2016: $6,409,9522016Revenue 2017: $108,962,097Expenses 2017: $100,716,769Net Income 2017: $8,245,3282017Revenue 2018: $105,345,882Expenses 2018: $99,247,406Net Income 2018: $6,098,4762018Revenue 2019: $105,005,384Expenses 2019: $99,119,840Net Income 2019: $5,885,5442019Revenue 2020: $115,301,097Expenses 2020: $112,486,710Net Income 2020: $2,814,3872020Revenue 2021: $118,816,051Expenses 2021: $113,840,701Net Income 2021: $4,975,3502021Revenue 2022: $112,709,879Expenses 2022: $108,335,852Net Income 2022: $4,374,0272022Revenue 2023: $152,779,246Expenses 2023: $148,546,277Net Income 2023: $4,232,9692023Revenue 2024: $109,863,065Expenses 2024: $107,484,293Net Income 2024: $2,378,7722024

Highlighted filing

2013

Revenue$107,049,766
Expenses$99,558,214
Net Income$7,491,552
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 14, 2014
Return Version
2013v3.1
Gross Receipts
$186,611,549
Mission and Program Overview

Mission

A fraternal benefit society which provides life, whole life, and universal life certificates, and annuity contracts to its members

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$937,886,504$980,468,400▲ $42,581,896
Rtn Earn Endowment Incm Other Fnds$70,463,797$75,262,141▲ $4,798,344
Accounts Receivable$10,701,583$11,246,365▲ $544,782
Cash and Non-Interest-Bearing Accounts$4,987,196$9,154,336▲ $4,167,140
Land, Buildings, and Equipment, Net$6,000,473$7,337,662▲ $1,337,189
Other Notes and Loans Receivable, Net$5,640,859$5,672,189▲ $31,330
Investments Other Securities$12,504,042$5,051,930▼ $7,452,112
Savings and Temporary Cash Investments$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Program Related$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Prepaid Expenses and Deferred Charges$0$0→ $0
Total Assets$977,867,016$1,019,070,981▲ $41,203,965
Other Assets Total$146,359$140,099▼ $6,260
Liabilities
Other Liabilities$904,851,368$942,009,259▲ $37,157,891
Accounts Payable and Accrued Expenses$2,551,851$1,799,581▼ $752,270
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$907,403,219$943,808,840▲ $36,405,621
Net Assets / Fund Balance
Total Net Assets Fund Balance$70,463,797$75,262,141▲ $4,798,344
Total Liabilities and Net Assets / Fund Balance$977,867,016$1,019,070,981▲ $41,203,965

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$7,285,011$3,878,902$11,163,913
Equipment$52,651$570,527$623,178
Compensation and Service Providers
Top Officer Pay26th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
J Michael BelzPresident/CEOFT$523,177$149,376$672,553
Thomas M PetriVP/treasurerFT$181,908$39,563$221,471
Riley D BestVP/director of AgenciesFT$177,705$38,912$216,617
Colleen Z BergerVP/controllerFT$155,972$27,993$183,965
Frank GentileVP/chief UnderwriterFT$129,124$21,781$150,905
Martha M MabeVP/corp SecretaryFT$122,234$24,351$146,585
Patricia G GutierrezVP/operationsFT$105,054$38,678$143,732
Barbara a CheaneyVP/marketing-commFT$117,673$22,998$140,671
Scott D BrantVP/information TechnologiesFT$96,431$42,637$139,068
Sixtus LaskowskiDirector-$24,802-$24,802
Thomas J HoelscherDirector-$17,756-$17,756
Gladys M HaeckerDirector-$17,700-$17,700
Sandy T KingDirector-$16,700-$16,700
Doris J ShortDirector-$16,300-$16,300
Thomas M BergerDirector-$16,259-$16,259
Lawrence C ShimekDirector-$16,126-$16,126
James L PersynDirector-$15,500-$15,500

Highest Paid Contractors

ContractorServicesLocationCompensation
Wellington Management CoInvestment Mgmt-$701,490
Allen Bailey Associates INCPolicy Rsv Actuary-$250,137
Robert E Nolan INCConsulting Svcs-$151,406
Ernst YoungAccounting Services-$150,000
Paul's Janitorial ServiceJanitorial Service-$149,850
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$55,579,604
Investment Income
$50,825,100
Other Revenue
$645,062
Change in Net Assets
$7,491,552

Audited Revenue Reconciliation

Revenue per Audited Statements
$102,561,343
Revenue Not Reported on Financial Statements
$4,488,423
Revenue Not Reported on Form 990
$597,744
Other Revenue Adjustments
$2,538,395
Total Revenue per Audited Statements
$103,159,087
Total Revenue per Form 990
$107,049,766
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$39,367,477
Salaries, Compensation, and Employee Benefits$6,183,415
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$54,007,322
Other Salaries and Wages---$2,748,891
Current Officers, Directors, Trustees, and Key Employees---$1,586,654
Pension Plan Contributions---$1,044,667
Office Expenses---$810,266
Fees for Service Investment Mgmnt Fees---$709,896
Fees for Services Other---$607,099
Conferences and Meetings---$559,307
Other Employee Benefits---$513,524
Depreciation Depletion---$339,557
Advertising---$336,372
All Other Expenses---$309,657
Payroll Taxes---$289,679
Fees for Services Accounting---$150,000
Occupancy---$145,886
Other Expenses---$135,306
Travel---$122,960
Fees for Services Legal---$119,740
Insurance---$102,283
Total Functional Expenses$0$0$0$99,558,214

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$99,558,214
Total Expenses per Audited Statements$98,205,930
Expenses per Audited Statements$97,608,186
Expenses Not Reported on Financial Statements$1,950,028
Expenses Not Reported on Form 990$597,744
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

Loans and Receivables

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

Other Reported Liabilities

LiabilityAmount
Aggregate Reserves for Certificates$905,688,718
Liability for Deposit-type Contract$13,213,283
Reserve for Certificate, Contract$9,437,090
Interest Maintenance Reserve$4,366,594
Asset Valuation Reserve$4,259,365
Additional Defined Benefit Liabilibties$2,859,261
Premiums Received in Advance$1,038,556
Other Liabilities$554,401
Liability for Benefits for Employees$533,017
Amounts Retained as Agent or Trustee$58,974
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
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 6

“The organization has members.”

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

“The organization has members who may elect one or more members of the governing body.”

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

“The decisions of the governing body are subject to approval by the members.”

Form 990, Part VI, Section B, Line 11

“An outside firm completes the catholic life insurance form 990 based on information provided by the accounting and investment departments. Once complete, a detailed review of the specific amounts within the return are reviewed by the controller. An overall review of the return is performed by the treasurer. The president/ceo will perform a very general overview of selected parts of the return.”

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

“Each officer and director is required to complete a conflict of interest form annually.”

Form 990, Part VI, Section B, Line 15

“The board of directors determine the compensation of the president/ceo. The compensation committee of the board reviews the most recent loma (life office management association) executive compensation survey. Included in this survey are salary comparisons of fraternal benefit societies and other comparable companies within various positions and company size. The compensation committee reviews and submits a recommendation for salary and performance bonus of the president/ceo to the board of directors for approval. Recommendations of compensation to be paid to all other officers are submitted by the president/ceo to the compensation committee for their review and submission to the board of directors for approval. Compensation recommendations for officers are also based on the most recent loma executive compensation survey. Compensation committee recommendations are discussed by the entire board of directors and actions taken are documented in board meeting minutes. These board meeting minutes are kept in the home office. The last executive compensation review was performed january 2014.”

Form 990, Part VI, Section C, Line 19

“The governing documents, conflict of interest policy, and financial statements are available from the home office to the public upon request.”

Filing and Contact Details

Filer

EIN
74-0548665
In Care Of
% THOMAS M PETRI
Phone
2108289921

Signing Officer

Name
Thomas M Petri
Title
VP/treasurer
Phone
2108289921
Signed
2014-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Thomas M Petri
Formed
1901
Legal Domicile
TX
Voting Board Members
9
Independent Board Members
8
Employees
70
Volunteers
0

Preparer

Preparer
Joy Reiner
Phone
2108289921
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Change in net unrealized capital gains/losses 202,205 change in non-admitted assets 139,445 change in asset valuation reserve -1,050,393 cumulative effect of change in accounting principles -79,304 aggregate write-ins for gains and losses in surplus 633,234 net realized capital gains transferred to interest maintenance rsv -2,538,395 ---------------- total to form 990, part xi, line 5 -2,693,208”

Form 990, Part XII, Line 1

“The organization uses the statutory method of accounting.”

Financial Statement Notes

Form 990, Schedule D, Part XI, Line 2D

“Adjustment for intercompany rental income 597,744”

Form 990, Schedule D, Part XII, Line 2D

“Adjustment for intercompany rental income 597,744”

Form 990, Schedule D, Part XI, Line 4B

“Capital gains (losses) transferred to interest maintenance reserve 2,538,395”

Raw XML AppendixShowing 400 of 644 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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Document Assets

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Filings

Displayed year

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

Open filing
Assets
$1,019,070,981
Liabilities
$943,808,840
Net assets
$75,262,141
Revenue
$107,049,766
Expenses
$99,558,214
Net income
$7,491,552
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,234$1,118$116$110$107$2.38
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,265$1,151$114$153$149$4.23
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,277$1,166$111$113$108$4.37
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,260$1,151$109$119$114$4.98
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,234$1,128$106$115$112$2.81
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,208$1,105$103$105$99.1$5.89
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,192$1,094$97.8$105$99.2$6.10
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,178$1,087$91.1$109$101$8.25
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,154$1,067$87.1$123$117$6.41
2015Detailed filing. Detailed filing data is available for this year.$1,101$1,018$83.7$114$106$7.59
2014Detailed filing. Detailed filing data is available for this year.$1,065$986$78.5$115$104$10.5
2013Detailed filing. Detailed filing data is available for this year.$1,019$944$75.3$107$99.6$7.49
2012Summary only. Only limited summary data is available for this year.$978$907$70.5$116$108$8.72
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$921$857$64.8$127
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$851$791$60.6$141
Peer Organizations

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