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Mutual Cheese Factory and Creamery Insurance Co
ANNUAL REPORT For the Year Ending December 31, 1913, of The Mutual Choose Factory and Creameryinsuranceof st. LaW Lawrence and Jefferson Counties F Incorporated under the Laws of 1886, Chapter 573, and amendments thereto, Amended certificate as required by Section 278 of Chapter 690, entitled "An Act in relat`en to insurance corporations c cater tiltingCh"t- t 3P of the General Law " s To the County Clerk of the County of..... . """""••••••••••••...State of New York: The undersigned Officers of the aforesaid Company respectfully submit their Annual Report of the busi- ness transacted during the year ending December 31st, 1913. Kinds of Property insured -Country Stores, Butter and Cheese Factories and their Contents, City and Village Stores and their Contents, Churches, High School Buildings, District School Houses, Farm Prop- erty roP-erty and Village Residences, protected and unprotected. Assessment No. H. L. Grant, adjusting 1, February 15, 1913 ............. Joseph Lecuyer...... • . ' • • • $ 9.75 ..................... Assessments 100.00 C. E• Giffin. .............................. $858,567..00 @ $3.60 Geo. Lalone.......... • , . 15.80 118,750.00 " 3.60 per $1'000............ $3,090.85 • H. L. Grant........... .... ' " " " • • 15.16 44,750.00 "•"••••••• 427.50 ... John Dugan .............................. 4.40 2.70 ............ 120.83 R. Stevenson.......... * * • • * • •..........20,950.00 2.96 2.25 46,170.00 • ........... 47.14 ` ...... L. L. Clark....... 2.96 60 34,562.50 " ............ 27.70 ..................... Geo. A. Lalone....... " ° ' ° "' °" 2.64 90 .< 7.08 Benj, Goodison ........................... 27,350.00 45 38,000.00 << "'••••••••• 31.11 " 12.31 C. A. Locklin1,645.00 40 ......•••••• ................... H. L. Grant, ad °ustin ' • • • • • • • • 1,400.00 g 3,750.00 1'80 2,000.00 15.20 " . • ... , • , ... , 6.75 .................... 33.50 Stamps �.. ....................... 2.52 2,500 " « ............ 5.04 Annual reports........... 47.32 75 ......•••••• 1.88 Policy fees ... " " " " 14.00 Agents fees ... . . . ' ' ' . ' ' ' ' ' ' • • • • • • • • • 99.00 $3,786.31 Inspecting factories... 67.76 318.98 �2,7RR 2y 5,000 Envelopes.Assessment No. 2, May 1, 1913 . • .. , , , • , Printing blanks.......... ' . ' ' ' • • • ' • $ 15.00 Assessments • Agents' fees ....... 59.00 ....................... $884,187.00 @ $1.64 Stamps ............. 99.39 Auto tires 34.42 per 213,150.00 <` 1,64 " $1,000...... <, $1,450.06 ................................ 31.90 Repairs on auto,,,,,,,,,,,,,,,,,,,,,,,,,, 169.04 63,150 " 18 < 33,650.00 ............ 349.57 '""'•"'•• 11.27 Inspecting factories .205 " 70,870.00 " ......••• 6.85 ...................... 542.88 Policy fees........ 273 49,600 <. • • • • • • • • • • • . 19.36 Agents' fees......., . 463.00 41 6,150.00 ............ 20.33 .................... Error ........... . ' . ' ' ' ' ' ' ' • • . • • • • • 484.45 ......................... .82 60,950.00 1.23 ............ 5.04 74.00 26,350.00 1.025 . ' ' ' ' ' ' ' . • • • 74.97 $1969.08 1,000.0055 ............ 27.01 .. 5,200.00 .34 " ............ 55 2,000 1.15 " ....... 1.77 ............ 2.30 Assessment No. Geo. Gilmore 3, July 1, 1913 $1'969.08 ............. C. F. Clark, expense account Assessments ..............$ 54.39 W. C. Kellogg. , , • , • ... . .. . ... . . . .. 30.00 W. L. Hogue, $889,480.00 @ $1.24 per $1,000............ adjusting............•, Addie M. Jones......... • • • • • 1325 337,800.00 1.24 " $1,102.96 ' Victor A. Chane . ' • • • • • • 5.00 Chaney.. 70,350.00 ,g3 " 67, 875.00 " • • • • • • • • • • • 418.87 ''''''•••••• 65.43 Willet H. Jimeson..... 14.75 .31 65,500 • ' • • • • • • • • • • 21.04 • , , , , , Policy fees........ ............ 10.00 .138 40,750.00 ........... 9.02 ...................... 502,00 Inspecting factories .155 92,545.00 « 6.32 .................. . . Agents' fees ............. 490.50 ,207 9,150.00 " • ' ' • • ' • • • • • • 19.13 W. Manley,................. 484.17 printin ' ' ' • • • ' g ............... •62 12,650.00 " .� ............ 5.67 .Stamps 41.08 ........... 33.26 .258 1,000 .992 " ............ 3.27 1,000 « .413 " ............ 99 _ $1,678.90 28,800 775 41 4,000 .868 " ............ ...... 22.32 ........... 3.47 Assessment $1'678.90 No. 4, L. L. Dewey.... August 15, 1913 ................ C. E. Westurn Sales.. . ...... •$1.600.00 Assessments C. E. Westurn............. .............. 500.00 $896,245.00 @ $5.00 H. L. Grant, adjusting. . . . ' ' ' ' ' .. • • • • 1,300.00 " per $1,000............ 346,200.00 5.00 « 11 $4,481.24 " " • • • • • • • 51.00 Stamps .................................. 83,650.00 3.75 1,731.00 ...... 10.00 Policy fees....... ................... 79,600.00 1' ' ' ' . ' • • ' ' • . • 313.68 Agents' fees ............................. 149.00 48,750.00 " ............ 99.50 Inspecting risks.. ........................ .625 29,500.00 3.125 30.47 B. N. Bicknel.... ..... 400.85 ' 1,000,00 4.00 " ............ 92.19 Adjusting ' ' • • • • • • • • • • • • • • • . 1,450.00 4,000.00 3.50 4.00 Gibby & Evans ........................... 13.50 1,000.00 " 1.67 ,. ............ 14.00 W. L. Hogue adjusting850.00 9,950.00 " 2.50 " 1.67 Clarence Wood........... 9.10 106,295.00 <` ............ 24.88 C. R. Clark......... ..... .................. .837 18,533.00 1.042 " « """°"••• 88.58 472.73 181,200.00 556 ............ 19.31 ............ 45.12 $6,945.64 Assessment $6,945.64 No. 5, September E. B. Tucker 1, 1913 &'Co .................. Glenn D. Ketcham........ • • • • • •$2,000.00 Assessments H. L. Grant, adjusting........ . . . ' ' ' ' ' • 950.00 889,785.00 @ $272 19.00 C. R. Clark ............................... per $1,000............$2,420.21 325,800.00 2.72 11 11 H. L. Grant, adjusting, , . , 277.27 29,200.00 1.70 ' ' ' • • ' • • • • • • 886.18 , • , Stamps 16.00 Agents' fees 10.81 2,500.00 2.176 ' ' ....' • ' • ' • 49.64 „ ............................... Inspecting risks .......................... 4,000.00 « 1.904 " 83,050.00 " 5.44 ' ' . ' ' ' ' ' ' • ' 7.62 Policy fees............ 226.25 2.04 83,875.00 gg ............ 169.42 Typewriter ribbon........ 37.00 113,945.00 457 << 57.03 " Error 1.20 .................... . .. . , ... 100.00 9,950.00 1.36 " ,. ........ 51.66 19,683.00 .567 " ............ 13.53 $3,716.64 1,000 " .907 " 51,837.00 " ............ 11.15 ............ .34 86,650 .302 " << .91 ............ 17.66 ............ 26.19 Assessment No. 6, November 1, 1913 Caroline $3'716.64 Temple...... " .. " " $ 8.00 Assessments A. W. Mayne ................ H. L. Grant, adjusting' ' ' ' . ' • ' • • • • 1,300.00 883,147.00 O° $2.00 Stamps ................................•• per $1,000............$1,766.29 306,300.00 2.00 Inspecting factories...... 20.00 91,960.00 1,50 " $ 612.60 Policy fees .............. 516.62 86,793.00 - ............ 137.93 Agents' fees .................. . . . 107.00 .50 35,350.00 " 1.25 <` . ' 43.40 D. S. Miller Co., index....... ......' 45.31 1,000.00.67 « ' • •' • • • • • • • • 44.17 Jas. Swabo.................................. 500.00 15.18 Agents' fees 4,000.00 1.40 " ............ .67 ......•••••• ................ .. Inspecting risks ........... . . . . . . . . . • • • 79.97 22,083.00 " '417 " 9,950.00 " 1.00 " 5.60 ............ 9.21 61.28 120,553.00 " .333 �. 9.95 $2,708.86 59,235.00 " .25 <, . 40.19 90,150.00 .222 « .......... • • .. 14.81 2,500.00 1.60 " ...... 20.04 ............ 4.00 $2,708.86 Assessment No. H. E. Blanchard........... $ 94,00 H. E. Blanchard 300.00 Agents' fees.. 63.51 Policy fees. ..;""" "' Inspecting risks, . 59.00 E. E. Cannon... 161.47 Adjusting Cannon loss.. • ' . ' ' . ' • • • 100.00 Geo, Stuart... """"' °" "" 12.42 Telephone .53 Auto. hire., 4.40 Stamps ............................ 3.00 11.11 $ 809.44 7, December 1. 1913 Assessments $878,838.00 @ $ .64 per $1,000.... , ... , , . $ 562,49 213,200.00 ,64 " , 11136.45 98,950.00 48 " ...... "' • 47.49 35,350.00 .40 " • , """""•• 14.14 2,500.00 .512 " ........... 1.28 4,000.00 ,446 "1,79 , ... , . 88,993.00 ,16 , , .. , . 14,24 128,053.00 .107 ... 13.65 9,950.00 .32 .... .... 3.19 23,723.00 .133 .� " .. ............ 3.16 89, 550.00 .071 ............ 6.37 62,235.00 11000.00 .08 " " ............ 4.98 .21 ............ .21 $ 809.44 Assessment No. 8, Inspecting factories .......................$ 172.97 Repair on Auto .................. 56.31 20,000 envelopes . . . .. . . ....... 42.50 Agents' fees.. 52.89 Policy fees ............................... 64.00 $ 388.67 December 31, 1913 Assessments Error, assessment No. 2 .......... . . ..... $$ 74.00 Error assessment No. 5 .................. 100.00 Discounts, Int., etc ...................... 214.67 $ 388.67 Rate of insurance on the different kinds of property per $1,000.00 for the year ending December 31, 1913. Butter and cheese factories and their contents, per $1,000 ........... Country stores, per $1,000......... , . , $ 16,84 City and Village stores,protected 12.63 . ......................... . Stock in Village Stores Per $1,000 ........................ 8 42 Churches, School BuildingsandFarm Residences, • ' ' ' ' ' ' ' ' ' ' .. • 10.52 .. Per $1,000 .......................2.81 Farm Barns, occupied by tenant................. , ' ' Village Residences protected ....... ' • . " " " " " " " 4.21 ,Per $1,000 ................... 1.87 Farm Barns occupied by owners, per $1,000 .. Village Residences, unprotected, . . . • . ' . • • ' ' ' ' ' ' ' ' ' P ,Per 1,000 ................... ..................... 2.105 ................ . ' ' ' ' ' ' ' ' ' • ' ' . , , • • • ' • 3.51 Number of policies written during ng y r 13 ......................... . .. . . . . . . • , , 1480 Amount of insurance written during Year 1913 ...................... ................$1,800,976.50 Receipts for Year Ending December 31, 1913 Advance on $367,900.00 Cheese Insurance ............. . "944,195.00 Factory Insurance ......... ' $ 5,518.50 << 18,883.90 " 62,350.00 Village Insurance, protected ................................... 415.67 ".51 42,735.00 Village Insurance unprotected......... . 111,258.00 Church and School buildings and farm residences .................. 1.58 " 9,950.00 City Stores.......... , 1,1 " 80,115.50 Farm Barns occupied by tenant ............................ . . . .. 1,201.73 " 23,973.00 Farm Barns occupied by owner .................................. 299.66 " 2,500.00 Special rate ..... . ............................... . " 4,000.00 Special rate ............... ' ' ' . ' • • ' • • • 40.00 <................................... 56.00 1,000.00 Special rate..... ............... " 107,650.00 Country Stores20.00 ............. 43,350.00 Steck in Stores. . . .... 1,614.75 .......... 541.87 $30,124.67 Disbursements for Year Ending December 31, 1913 Losses by fire and lightning......................................................... $14,914.70 Inspecting factories ................................... Policy fees Adjusting losses ................. .... 2,891.80 ...... , 1,480.00 Stamps 236.02 ...................................... 171.32 Advertising, Printing and Stationery ................................................. 201.51 Agents' fees ...... ........................ ........ 1,569.32 Other expenses, for Auto. etc ....................... . . ........ 313.87 ... Salaries ........... Butter and Cheese Insurance cancelled and rebates returned ........... 51.00 ............... . . ... 3,387.00 Factory Insurance cancelled and rebates returned. ............ 2.56 Village protected Insurance caucelied and rebates returned ......................... . ...... 1;382.75 Village unprotected Insurance cancelled and rebates returned ................. . Church and School building Insurance cancelled and rebatesreturned........... 40.67 Country Stores Insurance cancelled and rebates returned ................. 168.25 Farm Barns Insurance cancelled and rebates returned ............. 69.00 Stock in Stores Insurance cancelled and rebates returned, , . , , , , , , , 14.37 Farm Barns Insurance cancelled and rebates returned..... , • • .. • , . 100.00 Balance 248.77 ........................................ 2,871.76 By balance............ $30,124.67 Balance frei�r-tire..:........................................................ 2,871.76 ht�d't.�.,�-'fit •+�.t�.�., ,ws,l,,rs,� January 1, 1913 ........................... 9,007.06 TotaZ balance ............. . $11,878.82 STATE OF NEW YORK SS. ST. LAWRENCE COUNTY, - I, Isaac Schell, President, Geo. A. Lalone, Secretary, and C. F. Clark, General Manager of the Mutual Cheese Factory and Creamery Insurance Company, being severally duly sworn do depose and say that the foregoing report of the above company of its business for the year ending December 31, 1913, is correct ac- cording to our best knowledge and belief. Sworn and subscribe before me this.+ day of 1914 Notary Public.