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Mutual Cheese Factory and Creamery Insurance Co
mwi ANNUAL 21019reffm For the Year Ending December 31, 1914, of Of St. Lawrence and Jefferson Counties Incorporated under the Laws of 1886, Chapter 573, and amendments thereto. Amended certifi- cates as required by Section 278 of Chapter 690, entitled "An Act in relation to insurance corporations constituting Chapter 38 of the General Law." To the County Clerk of the County of *70 ---/........... State of New York: - The undersigned Officers of the aforesaid Company respectfully submit their Annual Report of the business transacted during the year ending December 31st, 1914. ,Kinds of Property insured -Country Stores, Butter and Cheese Factories and their Contents, Blacksmith Shops, City and Village Stores and their Contents, Churches, High School Buildings, District School Houses, Farm Property and Village Residences, protected and unprotected. Aseessment No. 1, March 4, 1914 G. A. Lalone, Director ....................$ 19.60 S. N. Gould, Director... .................. 4.00 R. Stevenson, Director ................... 5.92 L. L. Clark, Director ..................... 5.00 C. E. Giffin, Director ..................... 3.04 J. H. Berry, Director ..................... 3.20 Isaac Schell, Director ................... 18;80 John Dugan, Director.. .................. 6.40 Stamps, telephone, etc ................... 105.90 S. L. Jones, Delevan, loss ................ 10.00 Auto repairs ............................. 61.60 Inspecting risks .......................... 493.91 Printing ................................. 83.25 J. D. Stearns, Norwood, loss .............. 275.00 Adjusting ............................... 4.38 Policy fees ............................... 174.00 Agents' fees .............................. 93.06 Rent .................................... 87.50 R. Stevenson, Gouverneur, loss........... 30.00 Assessments $ 5.00 Emma North, Clare, loss ................. $878,067.00 @ $1.26 .................... $1,106.37 107,300.00 " 1.26 .................... 135.20 109,500.00 " .941/2 .................... 103.48 99,038.00 " .311/2 .................... 31.20 40,050.00 " .783/4 .................... 31.54 2,500.00 " 1.00 4-5 .................... 2.52 4,000.00 " .881-5 ....................3.53 409.00 500.00 " 1.413/4 .................... 71 141,796.00 " .21 .................... 29.78 29,173.00 " .261-6 .................... 7.62 1,000.00 " .42 .................... .42 11.450.00 " .63 .................... 7.22 73,695.00 " .153/4 .................... 11.64 95,200.00 " .14 .................... 13.33 $1,484.56 Assessment No. 2, May 1, 1914 J. E. Wofful, No. Westurn, loss ........... $ 5.00 Emma North, Clare, loss ................. 16.00 Adjusting losses .......................... 3.50 C. F. Clark, Canton, loss .................. 3.50 Stamps, etc .............................. 33.76 Auto repairs ............................. 100.53 St. Josephs Rec., Bombay ................. 24.00 G. E. Hogue, Arcade, loss ................. ".M@ S, Theo. Caldwell, Canton, loss .............. 803.12 Everett Caldwell, Canton, loss............ 3,000.00 Inspecting risks .......................... 263.55 Policy fees ............................... 409.00 Agents' fees .............................. 285.54 25 registers .............................. 51.00 $5,003.50 $1,484.56 Assessments $ 13.30 Cora B. Crandall, Sprout Brook, loss...... $887,832.00 @ $3.78 ....................$3,356.01 26.58 225,950.00 " 3.78 .................... 854.09 116,900.00 " 2.831/2 • • • • • • .............. 331'.42 44,950.00 " 2.361/4 .................... 106.19 500.00 " 4.72 .................... 2.36 2,500.00 " 3.022-5 .................... 7.56 4,000.00 " 2.643-5 .................... 10.58 104,720.00 " .941/2 .................... 98.96 88,595.00 " .471/4 .................... 41.86 159,013.00 " .63 .................... 100.18 11,913.63 " 1.89 .................... 22.51 18,433.00 " .78%4 .................... 25.29 1,000.00 " 1.26 .................... 1.26 98,350.00 " .42 .................... 41.30 4,600.00 " .374-5 .................... 1.75 6,900.00 " .311/2 .................... 2.18 Assessment No. 3, July 1, 1914 Stamps, etc ..............................$ 4.0.16 Frank Hasbrouck ......................... 28.66 Auto. tires ............................... 66.43 Adjusting losses .......................... 8.74 24 registers .............................. 49.57 5,000 policies. ... : .................... 110.00 F. H. Phillips, Wellsville, loss .. . .......... 28.00 W. Martinsburg M. Co .................... 20.00 Bombay U. School, loss .................. 25.00 Policy fees ............................... 507.00 Inspecting risks .......................... 448.56 Agents' fees ............................. 263.80 Semi-annual report ....................... 6.00 $1,604.92 $5,003.50 Assessments Rebate, St. Joseph Rectory ..............$ 16.50 $894,542.00 @ $1.08 .................... 966.11 343,550.00 " 1.08 .................... 371.03 130,200.00 .81 .................... 105.47 118,220.00 .27 31.92 179,325.00 .18 ........ . .... I ...... 32.28 11,663.63 .54 .................... 6.30 99,495.00 .13?2 13.44 1,000.00 .36 .................... .36 44,953.00 .221/2 10.12 92,950.00 .12 .................... 11.15 5,600.00 " .104-5 .................... .61 47,400.00 .671/2 • ................... 32.00 500.00 1.211/2 .................... .61 2,500.00 .862-5 .................... 2.16 4,000.00 .753-5 .................... 3.03 20,300.00 .09 .................... 1.83 Assessment No. 4, August 15, 1914 Henry Schoff, W. Lyden, loss ............ $ 13.30 Cora B. Crandall, Sprout Brook, loss...... 100.00 Adjusting losses .......................... 26.58 Wm. Blanchard, Clay, N. Y ............... 1,400.00 H. A. Bullard, Carthage.................. 25.28 Henry Wyant, Nile ....................... 10.00 Auto. Repairs ............................ 33.70 J. &, Eva Corfield, Cato .................. 31.50 Fillmore Belfast D. Co., Fillmore........ 30.25 Advertising .............................. 10.00 Telephone ............................... 2.20 T. B. Humphrey & Co, Cherebusco........ 1,965.00 Wm. C. Smith, Hermon .................. 126.19 Policy fees ............................... 154.00 Agents' fees .............................. 96.43 Inspecting risks .......................... 254.32 $4,278.75 $1,604.92 Assessments $887,082.00 @ $2.88 ....................$2,554.80 348,200.00 2.88 .................... 1,002.82 137,400.00 2.16 .................... 296.79 198,475.00 .48 .................... 95.28 11,866.63 1.44 .................... 17.09 1,000.00 " .96 .................... .96 57,128.00 " .60 .................... 34.28 110,395.00 " .36 .................... 39.73 93,250.00 " .32 .................... 29.85 5,600.00 .284-5 .................... 1.62 26,400.00 .24 .................... 6.34 47,900.00 1.80 .................... 86.22 500.00 3.24 .................... 1.62 2,500,.00 2.342-5 .................... 5.76 4,000,.00 " 2.013-5 .................... 8.07 1,000.00 " 3.46 .................... 3.46 130,624.16 " .72 .................... 94.06 Assessment No. 5, October 1, 1914 Antoine Wood, St. Regis Falls ............ $ 977.00 Adjusting risks ........................... 21.35 Telephone ............................... 2.45 Auto. repairs ............................. 108.18 Agents' fees .............................. 216.74 J. P. Bedford, Canastota.................. 1,500.00 Auto. tire ................................ 20.41 Policy fees ............................... 107.00 Inspecting risks .......................... 383.85 $3,336.98 $4,278.75 Assessments $886,057.00 @ $2.24 ....................$1,984.78 337,600.00 " 2.24 .................... 756.23 143,350.00 " 1.68 .................... 240.83 50,900.00 " 1.40 .................... 71.26 1,000.00 " 2.69 .................... 2.69 500.00 " 2.52 .................... 1.26 2,500.00 " 1.79 .................... 4.48 4,000.00 " 1.564-5 .................... 6.28 12,503.00 " 1.12 .................... 14.01 125,195.00 " .28 .................... 35.06 213,625.00 " .371-3 .................... 79.75 65,378.00 " .462-3 .................... 30.52 11000.00 " .75 .................... .75 139,274.16 " .56 .................... 78.00 2,333.00 " .45 .................... 1.05 94,750.00 " .248-9 .................... 23.54 6,100.00 " .222-5 .................... 1.37 27„400.00 " .182-3 .................... 5.12 Assessment No. 6, November 4, 1914 Adjusting losses .......................... $ 22.29 Frank Spearence, Norwood ............... 350.00 Inspecting risks .......................... 270.19 F. W. Hogg, Cuba ......................... 6.00 Telephone ............................... 2.15 Chas. Swain, Canaseraga................. 16.66 Mary Akins, Norwood ..................... 500.00 Repairs on Auto... .................... 33.78 Henry Stowell, Lindley ................... 24.13 W. J. Murphy, Ogdensburg ................ 7.00 Policy fees ............................... 119.00 Agents' fees .............................. 84.29 L. L. Clark, Hermon ...................... 2,700.00 L. L. Clark, Sales ........................ 665.00 Stamps................................. 10.00 E. E. Cannon, Mooers Forks .............. 1,377.57 $6,188.06 $3,336.98 Assessments $885,627.00 @ 4.20 ....................$3,719.63 305,050.00 " 4.20 ................... 1,281.20 153,050.00 " 3.15 ..................... 482.12 52,900.00 " 2.621/2 .................... 138.87 12,503.00 " 2.10 .................... 26.25 224,860.00 .70 .................... 157.41 69.178.00 .871/2 .................... 60.52 1,000.00 1.40 .................... '' 1.40 144,174.00 1.05 .................... 151.39 124,945.00 .521/2 .................... 65.60 94,750.00 .462-3 .................... 44.22 6,300.00 .42 .................... 2.64 35,150.00 .35 .................... 12.30 1,000.00 " 5.25 .................... 5.25 300.00 " 1.68 .................... .50 1,500.00 " 5.04 .................... 7.56 500.00 " 4.721/2 .................... 2.36 4,500.00 " 3.36 .................... 15.12 4,000.00 " 2.94 .................... 11.76 2,333.00 " .84 .................... 1.96 $6,188.06 Assessment No. 7, December 1, 1914 S. A. Webber... ..................$ 5.70 Fred N. Palmer, Fulton ................... 2,354.20 Adjusting ............................... 12.68 Telephone ............................... 4.57 Stamps, etc .............................. 12.95 E. E. Cannon, Moores Forks .............. 87.43 Repairs on Auto .......................... 30.81 Policy fees ............................... 58.00 Agents' fees .............................. 192.88 Inspecting risks .......................... 173.75 Eugene Darling, Beaver Meadow.......... 435.60 $3,368.57 Assessments $880,662.00 @ $2.40 ....................$2,113.59 228,500.00 2.40 .................... 548.40 160,550.00 1.80 288.99 147,927.00 .60 .................... 88.75 56,200.00 1.50 .................... 84.30 300.00 96 .................... .2 1,000.00 3.00 .................... 3.00 1,500.00 " 2.88 .................... 4.32 500.00 " 2.70 .................... 1.35 4,500.00 " 1.92 ................... 8.64 4,000.00 " 1.68 .................... 6.72 231,660.00 " .40 .................... 92.67 2,333.00 " .48 .................... 1.12 13,203.00 " 1.20 .................... 15.85 70,445.00 " .50 .................... 35.26 130,245.00 " .30 .................... 39.08 93,950.00 .262-3 .................... 25.07 6,300.00 " .24 .................... 1.51 44,300.00 .20 .................... 8.86 1,000.00 " .80 .................... .80 3,368.57 Assessment No. 8, December 31, 1914 Stamps and Postal Cards .................$ 25.36 Discounts, Int., etc ...................... $ 577.00 Manager's expenses ...................... 531.67 year ........ Policy fees ............................... 73.00 15.00........1 $ 577.00 Telephone ............................... 2.08 7.50........3 .......... Office rent ............................... 92.50 6.66 2-3.. ...3 " ........ Inspecting risks .......................... 211.50 6.00........3 " ........ Printing ................................. 1.50 5.00........3 " ........ Spring for Auto .......................... 7.17 10.00........3 " `........ Agents' fees .............................. 78.20 10.00........1 " ........ Signing policies .......................... 32.02 12.50........3 " ........ $ 577.00 15.00........3 " ........ Disbursements for Year 1914 Losses by Fire and Lightning ........... $18,952.43 Agents' Fees.................................................................... 1,310.94 Notary......................................................................... 1.00 Officers' Salary.................................................................. 97.98 Express ....................................... . .......................... ....... 81 Telephone...................................................................... 27.40 Policy Fees..............................................._..................... 1,601.00 Stamps........................................................................ 202.77 Printing, stationery, etc........................................................... 313.92 Autoexpenses...................................._............................. 472.61 InspectingRisks................................................................. 2,499.63 Rent........................................................................... 180.00 Manager's Expenses............................................................. 53.67 StateInspector........................_......................................... 28.66 Adjusting....,........................................:....................... 99.52 $25,842.34 Financial Standing of Company January 1, 1915 - Yr. Advance on $880,022.00 factory (q-) $20.00 per $1,000.00 ....................... $17,600.44 1 160,800.00 B. & C. " 15.00 " ...................... 2,412.00 3 93,950.00 Res. 6.67 ...................... 626.33 3 135,545.00 Res. 7.50 .... 1,016.59 3 239,650.00 Church, etc. 10.00 ...................... 2,396.50 3 155,882.47 Farm barns 15.00 ...................... 2,338.24 1 168,250.00 Country stores 15.00 ...................... 2,523.75 1 13,653.63 Brick stores 10.00 ...................... 136.53 1 56,500.00 Stock in stores 12.50 ................. I.... 706.25 3 71,945.00 Farm barns 12.50 ...................... 899.31 3 " 44,300.00 Res. protected 5.00 " ...................... 221.50 3 " 6,300.00 Res. protected 6.00 " ...................... 37.80 3 500.00 Special rate 22.50 " ...................... 11.25 1 `< 4,700.00 " 16.00....... ............... 75.20 1 4,000.00 " 14.00 " ...................... 56.00 .3 << 1,000.00 " 20.00 ...................... 20.00 1 ,< 1,500.00 24.00 ...................... 36.00 1 << 1,000.00 25.00 ..................... 25.00 1 << 300.00 8.00 ...................... 2.40 3 << 2,333.00 12.00 ...................... 28.00 $2,046,931.10 $31,169.09 Number of policies written during year 1914........... 1,601 Total assessments on all policies in force Jaunary 1, 1915 .......................................$18,613.28 Unearned premiums January 1, 1915.............................................................. 12,555.81 $31,169.09 Cash on hand January 1, 1915.................................................................. 9,061.11 Premiums due Company ...................................... ..................................._ 3,494.70 Total Assets................................. ................................................. $12,555.81 Cost of Insurance on the Different Kinds of Property per $1000 for the Year Ending December 31, 1914 Total amount of new insurance written in year 1914 ...........................................$ 928,374.10 Total amount of insurance renewed in year 1914 ............................................... 1,052,187.00 Total amount of insurance cancelled in year 1914 ............................................. 455,289.00 Total amount of insurance in force January 1, 1915 ......................................... 2,046,931.10 STATE OF NEW YORK SS. ST. LAWRENCECOUNTY, I, , t, 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 Decem- ber 31, 1914, is correct according to our best knowledge and belief. Sworn and subscribed efore me RateTerm .1915. Cost Butter and Cheese Factories ..............................................$20.00........1 year ........ $17.84 Butter and Cheese Factories .............................................. 15.00........1 .......... 17.84 Village residences unprotected ............................................ 7.50........3 .......... 2.23 Village residences protected .............................................. 6.66 2-3.. ...3 " ........ 1.98 Village residences protected .............................................. 6.00........3 " ........ 1.78 Village residences protected .............................................. 5.00........3 " ........ 1.48 Churches, School Buildings and Farm Residences .......................... 10.00........3 " `........ 2.97 City Stores............................................................... 10.00........1 " ........ 8.92 Farm Barns occupied by owner ........................................... 12.50........3 " ........ 3,.71 Farm Barns occupied by tenant .......................................... 15.00........3 " ........ 4.46 Total amount of new insurance written in year 1914 ...........................................$ 928,374.10 Total amount of insurance renewed in year 1914 ............................................... 1,052,187.00 Total amount of insurance cancelled in year 1914 ............................................. 455,289.00 Total amount of insurance in force January 1, 1915 ......................................... 2,046,931.10 STATE OF NEW YORK SS. ST. LAWRENCECOUNTY, I, , t, 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 Decem- ber 31, 1914, is correct according to our best knowledge and belief. Sworn and subscribed efore me this. ... da o .1915. ...........�.............. Notary Public.