FARMERS MUTUAL INSURANCE CO BENTON CO (EIN 440574313) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1909

Legal Domicile

Principal Officer

CINDY TOLIAS

Phone

6604386424

Tax Period

2019-01-01 to 2019-06-30

FARMERS MUTUAL INSURANCE CO BENTON CO, founded in 1909, is a small nonprofit that reported $163K in total revenue in fiscal year 2019. Revenue fell 33% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $49K, a strong 30% operating margin.

Mission

PROVIDE AFFORDABLE INSURANCE FOR RURAL MISSOURI. A MUTUAL INSURANCE COMPANY.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2019)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $155,962

Investment Income $5,234

Other Revenue $2,146

TOTAL REVENUE $163,342

Expense Breakdown

Grants Paid $0

Salaries & Benefits $8,474

Fundraising Expenses $0

Program Expenses $113,990

Other Expenses $105,516

TOTAL EXPENSES $113,990

Year-over-Year Comparison

	2019	2018	Change
Revenue	$163,342	$242,403	-0.3%
Expenses	$113,990	$130,490	-0.1%
Net Income	$49,352	$111,913	-0.6%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

N/A

Volunteers

N/A

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JACOB R BLACK	PRESIDENT	2.00	Officer Director	$0	$0	$0
BROOKE WILKENS	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
CINDY TOLIAS	SECRETARY/TREASURER	2.00	Officer Director	$0	$0	$0
STEVE DALESKE	DIRECTOR	1.00	Director	$0	$0	$0
THAD HENDERSON	DIRECTOR	1.00	Director	$0	$0	$0
GARY MCMILLIN	DIRECTOR	1.00	Director	$0	$0	$0
VICTOR PHILLIPS	DIRECTOR	1.00	Director	$0	$0	$0
DAVID GREGORY	DIRECTOR	1.00	Director	$0	$0	$0
FREDERICK GREGORY	DIRECTOR	1.00	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2019	$163,342	$113,990	No data	$49,352
2018	$242,403	$130,490	$900,126	$111,913

FARMERS MUTUAL INSURANCE CO BENTON CO