0000100716-15-000025.txt : 20150814 0000100716-15-000025.hdr.sgml : 20150814 20150813180528 ACCESSION NUMBER: 0000100716-15-000025 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 11 CONFORMED PERIOD OF REPORT: 20150630 FILED AS OF DATE: 20150814 DATE AS OF CHANGE: 20150813 FILER: COMPANY DATA: COMPANY CONFORMED NAME: UNICO AMERICAN CORP CENTRAL INDEX KEY: 0000100716 STANDARD INDUSTRIAL CLASSIFICATION: FIRE, MARINE & CASUALTY INSURANCE [6331] IRS NUMBER: 952583928 STATE OF INCORPORATION: NV FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 000-03978 FILM NUMBER: 151051928 BUSINESS ADDRESS: STREET 1: 23251 MULHOLLAND DR CITY: WOODLAND HILLS STATE: CA ZIP: 91364 BUSINESS PHONE: 8185919800 MAIL ADDRESS: STREET 1: 23251 MULHOLLAND DRIVE CITY: WOODLAND HILLS STATE: CA ZIP: 91364 FORMER COMPANY: FORMER CONFORMED NAME: UNIVERSAL COVERAGE CORP DATE OF NAME CHANGE: 19730823 10-Q 1 form10q.htm FORM 10-Q

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

(Mark One)

[X] Quarterly Report under Section 13 or 15(d) of the Securities Exchange Act of 1934

For the quarterly period ended June 30, 2015 or

[ ] Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Commission File No. 0-3978

UNICO AMERICAN CORPORATION

(Exact Name of Registrant as Specified in Its Charter)

Nevada 95-2583928

(State or Other Jurisdiction of (I.R.S. Employee

Incorporation or Organization) Identification No.)

23251 Mulholland Drive, Woodland Hills, California 91364

(Address of Principal Executive Offices) (Zip Code)

(818) 591-9800

(Registrant's Telephone Number, Including Area Code)

No Change

(Former Name, Former Address and Former Fiscal Year, if Changed Since Last Report)

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15 (d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the Registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes X No __

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate website, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files). Yes X No__

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of “large accelerated filer," "accelerated filer" and "smaller reporting company" in Rule 12b-2 of the Exchange Act. (Check one):

Large accelerated filer __ Accelerated filer __

Non-accelerated filer __ Smaller reporting company X

(Do not check if a smaller reporting company)

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes No X

Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date.

Class	Outstanding at August 13, 2015
Common Stock, $0 par value per share	5,338,943

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PART 1 - FINANCIAL INFORMATION

ITEM 1 - FINANCIAL STATEMENTS

UNICO AMERICAN CORPORATION

AND SUBSIDIARIES

CONSOLIDATED BALANCE SHEETS

		June 30		December 31
		2015		2014
		(Unaudited)
ASSETS
Investments
Available-for-sale:
Fixed maturities, at fair value (amortized cost: June 30, 2015 $54,537,023; December 31, 2014 $35,153,111)	$	54,612,305	$	35,158,556
Short-term investments, at fair value		51,611,974		72,259,408
Total Investments		106,224,279		107,417,964
Cash		366,111		309,162
Accrued investment income		58,787		42,895
Receivables, net		6,107,001		5,170,313
Reinsurance recoverable:
Paid losses and loss adjustment expenses		341,741		201,007
Unpaid losses and loss adjustment expenses		5,484,733		5,162,775
Deferred policy acquisition costs		4,270,016		3,882,825
Property and equipment, net		10,615,880		10,510,306
Deferred income taxes		1,381,264		1,518,534
Other assets		2,153,665		1,799,788
Total Assets	$	137,003,477	$	136,015,569

LIABILITIES AND STOCKHOLDERS' EQUITY

LIABILITIES
Unpaid losses and loss adjustment expenses	$	44,231,712	$	44,396,558
Unearned premiums		18,323,842		16,607,179
Advance premium and premium deposits		383,498		250,421
Accrued expenses and other liabilities		2,539,580		2,986,317
Total Liabilities	$	65,478,632	$	64,240,475

Commitments and contingencies

STOCKHOLDERS' EQUITY
Common stock, no par – authorized 10,000,000 shares; issued and outstanding shares 5,338,943 at June 30, 2015, and 5,341,147 at December 31, 2015	$	3,742,297	$	3,731,828
Accumulated other comprehensive income		49,686		3,594
Retained earnings		67,732,862		68,039,672
Total Stockholders’ Equity	$	71,524,845	$	71,775,094

Total Liabilities and Stockholders' Equity	$	137,003,477	$	136,015,569

See condensed notes to unaudited consolidated financial statements.

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UNICO AMERICAN CORPORATION

AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF OPERATIONS

(UNAUDITED)

	Three Months Ended				Six Months Ended
	June 30				June 30
	2015		2014		2015			2014
REVENUES
Insurance company operation:
Net earned premium	$	7,327,855	$	6,484,354	$	14,292,999		$	12,872,595
Investment income		97,853		29,891		185,176			61,158
Other income		168,881		340,321		241,095			595,752
Total Insurance Company Operation		7,594,589		6,854,566		14,719,270			13,529,505

Other insurance operations:
Gross commissions and fees		701,995		749,045		1,393,214			1,483,608
Investment income		82		206		167			283
Finance fees earned		15,208		15,951		30,981			33,371
Other income		1,817		2,000		2,258			15,112
Total Revenues		8,313,691		7,621,768		16,145,890			15,061,879

EXPENSES
Losses and loss adjustment expenses		4,633,516		3,647,765		9,527,423			6,540,115
Policy acquisition costs		1,599,883		1,471,068		3,092,713			2,947,800
Salaries and employee benefits		1,166,206		1,271,221		2,414,113			2,553,149
Commissions to agents/brokers		44,756		54,230		89,344			98,069
Other operating expenses		686,657		775,163		1,430,661			1,614,088
Total Expenses		8,131,018		7,219,447		16,554,254			13,753,221

Income (loss) before taxes		182,673		402,321		(408,364	)		1,308,658
Income tax expense (benefit)		70,292		132,315		(123,960	)		446,869
Net Income (Loss)	$	112,381	$	270,006	$	(284,404	)	$	861,789



PER SHARE DATA:
Basic
Earnings (loss) per share	$	0.02	$	0.05	$	(0.05	)	$	0.16
Weighted average shares		5,339,392		5,341,147		5,340,270			5,341,147
Diluted
Earnings (loss) per share	$	0.02	$	0.05	$	(0.05	)	$	0.16
Weighted average shares		5,342,944		5,345,082		5,340,270			5,345,280

See condensed notes to unaudited consolidated financial statements.

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UNICO AMERICAN CORPORATION

AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)

(UNAUDITED)

	Three Months Ended						Six Months Ended
	June 30						June 30
	2015			2014			2015			2014

Net income (loss)	$	112,381		$	270,006		$	(284,404	)	$	861,789
Other changes in comprehensive income (loss):
Changes in unrealized gains on securities classified as available-for-sale arising during the period		(14,195	)		4,810			69,837			11,426
Income tax benefit (expense) related to changes in unrealized gains on securities classified as available-for-sale arising during the period		4,826			(1,635	)		(23,745	)		(3,885	)
Comprehensive Income (Loss)	$	103,012		$	273,181		$	(238,312	)	$	869,330

See condensed notes to unaudited consolidated financial statements.

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UNICO AMERICAN CORPORATION

AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF CASH FLOWS

(UNAUDITED)

	Six Months Ended
	June 30
	2015			2014
Cash flows from operating activities:
Net income (loss)	$	(284,404	)	$	861,789
Adjustments to reconcile net income (loss) to net cash from operations:
Depreciation and amortization		234,345			277,935
Bond amortization, net		(9,054	)		(1,195	)
Non-cash stock based compensation		11,552			11,552
Changes in assets and liabilities:
Net receivables and accrued investment income		(952,580	)		(805,905	)
Reinsurance recoverable		(462,692	)		(124,690	)
Deferred policy acquisition costs		(387,191	)		(161,724	)
Other assets		(111,974	)		295,879
Unpaid losses and loss adjustment expenses		(164,846	)		270,451
Unearned premium		1,716,663			886,701
Advance premium and premium deposits		133,077			(6,372	)
Accrued expenses and other liabilities		(446,737	)		31,748
Income taxes current/deferred		(128,377	)		(82,388	)
Net Cash Provided (Used) by Operating Activities		(852,218	)		1,453,781

Cash flows from investing activities:
Purchase of fixed maturity investments		(21,323,858	)		(100,000	)
Proceeds from maturity of fixed maturity investments		1,949,000			400,000
Net decrease (increase) in short-term investments		20,647,434			(1,712,301	)
Additions to property and equipment		(339,919	)		(313,806	)
Net Cash Provided (Used) by Investing Activities		932,657			(1,726,107	)

Cash flows from financing activities:
Repurchase of common stock		(23,490	)		—
Net Cash Used by Financing Activities		(23,490	)		—

Net increase (decrease) in cash		56,949			(272,326	)
Cash at beginning of period		309,162			376,388
Cash at End of Period	$	366,111		$	104,062

Supplemental cash flow information
Cash paid during the period for:
Interest		—			—
Income taxes	$	8,900		$	533,800

See condensed notes to unaudited consolidated financial statements.

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UNICO AMERICAN CORPORATION

AND SUBSIDIARIES

CONDENSED NOTES TO UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS

JUNE 30, 2015

NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Nature of Business

Unico American Corporation is an insurance holding company that underwrites property and casualty insurance through its insurance company subsidiary; provides property, casualty, and health insurance through its agency subsidiaries; and provides insurance premium financing and membership association services through its other subsidiaries. Unico American Corporation is referred to herein as the "Company" or "Unico" and such references include both the corporation and its subsidiaries, all of which are wholly owned. Unico was incorporated under the laws of Nevada in 1969.

Principles of Consolidation

The accompanying consolidated financial statements include the accounts of Unico American Corporation and its subsidiaries. All significant intercompany accounts and transactions have been eliminated in consolidation.

Basis of Presentation

The accompanying unaudited consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles (GAAP) for interim financial information and the instructions to Form 10-Q and Rule 8-03 of Regulation S-X for smaller reporting companies. Accordingly, the financial statements do not include all of the information and footnotes required by GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring adjustments) considered necessary for a fair presentation have been included. Operating results for the three and six months ended June 30, 2015, are not necessarily indicative of the results that may be expected for the year ending December 31, 2015. Quarterly financial statements should be read in conjunction with the consolidated financial statements and related notes in the Company’s 2014 Annual Report on Form 10-K as filed with the Securities and Exchange Commission.

Use of Estimates in the Preparation of the Financial Statements

The preparation of financial statements in conformity with GAAP requires the Company to make estimates and assumptions that affect its reported amounts of assets and liabilities and its disclosure of any contingent assets and liabilities at the date of its financial statements, as well as its reported amounts of revenues and expenses during the reporting period. The most significant assumptions in the preparation of these consolidated financial statements relate to losses and loss adjustment expenses. While every effort is made to ensure the integrity of such estimates, actual results may differ.

Fair Value of Financial Instruments

The Company employs a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The fair value of a financial instrument is the amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date (the exit price). Financial assets and financial liabilities recorded on the consolidated balance sheets at fair value are categorized based on the reliability of inputs to the valuation techniques. (See Note 8.)

The Company has used the following methods and assumptions in estimating its fair value disclosures:

Fixed maturities:

Investment securities, excluding long-term certificates of deposit – Fair values are obtained from a national quotation service.

Long-term certificates of deposit – The carrying amounts reported in the consolidated balance sheets for these instruments approximate their fair values.

Cash and short-term investments – The carrying amounts reported in the consolidated balance sheets approximate their fair values given the short term nature of these instruments.

Receivables, net – The carrying amounts reported in the consolidated balance sheets approximate their fair values given the short-term nature of these instruments.

Accrued expenses and other liabilities – The carrying amounts reported in the consolidated balance sheets approximate the fair values given the short-term nature of these instruments.

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NOTE 2 – REPURCHASE OF COMMON STOCK – EFFECTS ON STOCKHOLDERS’ EQUITY

On December 19, 2008, the Board of Directors authorized a stock repurchase program to acquire from time to time up to an aggregate of 500,000 shares of the Company’s common stock. This program has no expiration date and may be terminated by the Board of Directors at any time. As of June 30, 2015, and December 31, 2014, the Company had remaining authority under the 2008 program to repurchase up to an aggregate of 220,465 and 222,669 shares of its common stock, respectively. The 2008 program is the only program under which there is authority to repurchase shares of the Company’s common stock. The Company repurchased 2,204 shares of stock during the three and six months ended June 30, 2015, in unsolicited transactions at a cost of $23,490 of which $1,083 was allocated to capital and $22,407 was allocated to retained earnings. The Company did not repurchase any stock during the three and six months ended June 30, 2014. The Company has or will retire all stock repurchased.

NOTE 3 – EARNINGS (LOSS) PER SHARE

The following table represents the reconciliation of the Company's basic earnings (loss) per share and diluted earnings (loss) per share computations reported on the consolidated statements of operations for the three and six months ended June 30, 2015 and 2014:

	Three Months Ended				Six Months Ended
	June 30				June 30
	2015		2014		2015			2014
Basic Earnings (Loss) Per Share
Net income (loss)	$	112,381	$	270,006	$	(284,404	)	$	861,789

Weighted average shares outstanding		5,339,392		5,341,147		5,340,270			5,341,147

Basic earnings (loss) per share	$	0.02	$	0.05	$	(0.05	)	$	0.16

Diluted Earnings (Loss) Per Share
Net income (loss)	$	112,381	$	270,006	$	(284,404	)	$	861,789

Weighted average shares outstanding		5,339,392		5,341,147		5,340,270			5,341,147
Effect of dilutive securities		3,552		3,935		—			4,133
Diluted shares outstanding		5,342,944		5,345,082		5,340,270			5,345,280

Diluted earnings (loss) per share	$	0.02	$	0.05	$	(0.05	)	$	0.16

Basic earnings per share exclude the impact of common share equivalents and are based upon the weighted average common shares outstanding. Diluted earnings per share utilize the average market price per share when applying the treasury stock method in determining common share dilution. When outstanding stock options are dilutive, they are treated as common share equivalents for purposes of computing diluted earnings per share and represent the difference between basic and diluted weighted average shares outstanding. In loss periods, stock options are excluded from the calculation of diluted (loss) per share, as the inclusion of stock options would have an anti-dilutive effect. As of June 30, 2015, the Company had 5,523 common share equivalents which were excluded in the six months diluted (loss) per share calculation.

NOTE 4 – RECENTLY ISSUED ACCOUNTING STANDARDS

In May 2015, the Financial Accounting Standards Board issued Accounting Standards Update (ASU) 2015-09 “Disclosures About Short-Duration Contracts.” The objective of this ASU is to increase transparency about significant estimates in unpaid losses and loss adjustment expenses and provide additional information about amount, timing and uncertainty of cash flows related to unpaid losses and loss adjustment expenses. ASU 2015-09 is not expected to have any impact on the Company’s consolidated financial statements. The disclosure mandated by ASU 2015-09 will become effective for annual and quarterly reporting periods ended on and after December 31, 2016.

NOTE 5 – ACCOUNTING FOR INCOME TAXES

The Company and its wholly owned subsidiaries file consolidated federal and state income tax returns. Pursuant to the tax allocation agreement, Crusader Insurance Company (Crusader) and American Acceptance Corporation (AAC) are allocated taxes or tax credits, in the case of losses, at current corporate rates based on their own taxable income or loss. The Company files income tax returns under U.S. federal and various state jurisdictions. The Company is subject to examination by U.S. federal income tax authorities for tax returns filed starting at taxable year 2011 and California state income tax authorities for tax returns filed starting at taxable year 2010. There are no ongoing examinations of income tax returns by federal or state tax authorities.

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As of June 30, 2015, and December 31, 2014, the Company had no unrecognized tax benefits or liabilities. In addition, the Company had not accrued interest and penalties related to unrecognized tax benefits or liabilities. However, if interest and penalties would need to be accrued related to unrecognized tax benefits or liabilities, such amounts would be recognized as a component of federal income tax expense.

As a California insurance company, Crusader is obligated to pay a premium tax on gross premiums written in all states that Crusader is admitted. Premium taxes are deferred and amortized as the related premiums are earned. The premium tax is in lieu of state franchise taxes and is not included in the provision for state taxes.

NOTE 6 – PROPERTY AND EQUIPMENT, NET

Property and equipment consist of the following:

		June 30			December 31
		2015			2014
Building, furniture, fixtures, equipment and leasehold improvements located in Calabasas, California	$	7,384,605		$	7,269,449
Furniture, fixtures, equipment and leasehold improvements located in Woodland Hills, California		2,634,931			2,633,536
Accumulated depreciation and amortization		(2,872,311	)		(2,637,966	)

Land located in Calabasas, California		1,787,485			1,787,485
Computer software under development		1,681,170			1,457,802

Property and equipment, net	$	10,615,880		$	10,510,306

Depreciation on the Calabasas building is computed using the straight line method over 39 years. Depreciation on furniture, fixtures and equipment in the Calabasas building is computed using the straight line method over 3 to 15 years. Amortization of leasehold improvements in the Calabasas building is being computed using the shorter of the useful life of the leasehold improvements or the remaining years of the lease.

Depreciation on furniture, fixtures and equipment located in Woodland Hills is computed using the straight line method over 3 to 7 years. Amortization of leasehold improvements on property located in Woodland Hills is computed using the shorter of the useful life of the leasehold improvements or the remaining years of the lease.

Depreciation and amortization expense on all property and equipment for the three and six months ended June 30, 2015, was $116,894 and $234,345, respectively, and for the three and six months ended June 30, 2014, was $139,749 and $277,935, respectively.

The Calabasas building has generated rental revenues in the amount of $39,109 and $88,966 for the three and six months ended June 30, 2015, respectively, and $233,744 and $463,591 for the three and six months ended June 30, 2014, respectively. The Calabasas building has incurred operating expenses, which included depreciation, in the amount of $166,126 and $344,205 for the three and six months ended June 30, 2015, respectively, and $181,468 and $383,787 for the three and six months ended June 30, 2014, respectively. These amounts are included in other income from insurance company operation and other operating expenses, respectively, in the Company’s consolidated statements of operations.

On September 7, 2014, a lease from a single tenant occupying approximately 32,403 square feet of the Calabasas building ended, and the tenant has vacated the premises. The Company intends to occupy most of this recently vacated space as its new home office and is currently in the process of planning and implementing the steps necessary to modify the space to fit its operational needs with a targeted move in date by the end of third quarter of 2015. The Company’s current home office located in Woodland Hills, California, will be vacated, and the month-to-month lease for this office will be terminated upon the completion of the move to the Calabasas building.

The total square footage of the Calabasas building is 46,884, including common areas. As of June 30, 2015, 8,442 square feet of the Calabasas building was leased to non-affiliated entities, and 6,039 square feet was vacant and available to be leased to non-affiliated entities.

The Company capitalizes certain computer software costs purchased from outside vendors for internal use. These costs also include configuration and customization activities, coding, testing and installation. Training costs and maintenance are expensed as incurred, while upgrade and enhancements are capitalized if it is probable that such expenditure will result in additional functionality. The capitalized costs will not be depreciated until the software is placed into production.

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NOTE 7 – SEGMENT REPORTING

ASC Topic 280, “Segment Reporting,” establishes standards for the way information about operating segments is reported in financial statements. The Company has identified its insurance company operation as its primary reporting segment. Revenues from this segment comprised 91% of total revenues for the three and six months ended June 30, 2015, compared to 90% of total revenues for the three and six months ended June 30, 2014. The Company’s remaining operations constitute a variety of specialty insurance services, each with unique characteristics and individually insignificant to total revenues.

Revenues, income (loss) before income taxes, and assets by segment are as follows:

	Three Months Ended						Six Months Ended
	June 30						June 30
	2015			2014			2015			2014
Revenues
Insurance company operation	$	7,594,589		$	6,854,566		$	14,719,270		$	13,529,505

Other insurance operations		3,382,306			3,168,472			6,523,946			5,990,845
Intersegment eliminations (1)		(2,663,204	)		(2,401,270	)		(5,097,326	)		(4,458,471	)
Total other insurance operations		719,102			767,202			1,426,620			1,532,374

Total revenues	$	8,313,691		$	7,621,768		$	16,145,890		$	15,061,879

Income (Loss) Before Income Taxes
Insurance company operation	$	254,512		$	731,578		$	(2,068	)	$	2,347,512
Other insurance operations		(71,839	)		(329,257	)		(406,296	)		(1,038,854	)
Total income (loss) before income taxes	$	182,673		$	402,321		$	(408,364	)	$	1,308,658

	As of
	June 30			December 31
	2015			2014
Assets
Insurance company operation	$	121,456,170		$	123,048,404
Intersegment eliminations (2)		(634,205	)		(1,657,750	)
Total insurance company operation		120,821,965			121,390,654
Other insurance operations		16,181,512			14,624,915
Total assets	$	137,003,477		$	136,015,569

(1)

Intersegment revenue eliminations reflect commissions paid by Crusader to Unifax Insurance Systems, Inc. (Unifax), a wholly owned subsidiary of Unico.

(2)

Intersegment asset eliminations reflect the elimination of Crusader receivables from Unifax and Unifax payables to Crusader.

NOTE 8 – FAIR VALUE OF FINANCIAL INSTRUMENTS

In determining the fair value of its financial instruments, the Company employs a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The fair value of a financial instrument is the amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date (the exit price). Financial assets and financial liabilities recorded on the consolidated balance sheets at fair value are categorized based on the reliability of inputs to the valuation techniques as follows:

Level 1 – Financial assets and financial liabilities whose values are based on unadjusted quoted prices in active markets for identical assets or liabilities as of the reporting date.

Level 2 – Financial assets and financial liabilities whose values are based on quoted prices for similar assets or liabilities in active markets; quoted prices for identical or similar assets or liabilities in non-active markets; or valuation models whose inputs are observable, directly or indirectly, for substantially the full term of the asset or liability as of the reporting date.

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Level 3 – Financial assets and financial liabilities whose values are based on prices or valuation techniques that require inputs that are both unobservable and significant to the overall fair value measurement. These inputs reflect the Company’s estimates of the assumptions that market participants would use in valuing the financial assets and financial liabilities as of the reporting date.

The hierarchy gives the highest priority to Level 1 inputs and the lowest priority to Level 3 inputs. In certain cases, the inputs used to measure fair value may fall into different levels of the fair value hierarchy. In such cases, the level in the fair value hierarchy within which the fair value measurement in its entirety falls has been determined based on the lowest level input that is significant to the fair value measurement in its entirety. Thus, a Level 3 fair value measurement may include inputs that are observable (Level 1 or Level 2) or unobservable (Level 3). The Company’s assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment and considers factors specific to the asset or liability.

The following table presents information about the Company’s consolidated financial instruments and their estimated fair values, which are measured on a recurring basis, and are allocated among the three levels within the fair value hierarchy as of June 30, 2015, and December 31, 2014:

		Level 1		Level 2		Level 3		Total
June 30, 2015
Financial instruments:
Fixed maturity securities:
U.S. treasury securities	$	29,141,305	$	—	$	—	$	29,141,305
Certificates of deposit		—		25,471,000		—		25,471,000
Total fixed maturity securities		29,141,305		25,471,000		—		54,612,305
Cash and short-term investments		51,978,085		—		—		51,978,085
Total financial instruments at fair value	$	81,119,390	$	25,471,000	$	—	$	106,590,390

December 31, 2014
Financial instruments:
Fixed maturity securities:
U.S. treasury securities	$	20,069,556	$	—	$	—	$	20,069,556
Certificates of deposit		—		15,089,000		—		15,089,000
Total fixed maturity securities		20,069,556		15,089,000		—		35,158,556
Cash and short-term investments		72,568,570		—		—		72,568,570
Total financial instruments at fair value	$	92,638,126	$	15,089,000	$	—	$	107,727,126

Fair value measurements are not adjusted for transaction costs. The Company recognizes transfers between levels at either the actual date of the event or a change in circumstances that caused the transfer. The Company did not have any transfers between Levels 1, 2 and 3 of the fair value hierarchy during the three and six months ended June 30, 2015 and 2014.

NOTE 9 – INVESTMENTS

A summary of total investment income is as follows:

	Three Months Ended June 30				Six Months Ended June 30
	2015		2014		2015		2014

Fixed maturities	$	85,229	$	13,543	$	157,165	$	26,632
Short-term investments		12,706		16,554		28,178		34,809
Total investment income	$	97,935	$	30,097	$	185,343	$	61,441

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The amortized cost and estimated fair values of investments in fixed maturities by category are as follows:

		Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses			Estimated Fair Value
June 30, 2015
Available for sale:
Fixed maturities:
Certificates of deposit	$	25,471,000	$	—	$	—		$	25,471,000
U.S. treasury securities		29,066,023		79,324		(4,042	)		29,141,305
Total fixed maturities	$	54,537,023	$	79,324	$	(4,042	)	$	54,612,305

December 31, 2014
Available for sale:
Fixed maturities:
Certificates of deposit	$	15,089,000	$	—	$	—		$	15,089,000
U.S. treasury securities		20,064,111		14,476		(9,031	)		20,069,556
Total fixed maturities	$	35,153,111	$	14,476	$	(9,031	)	$	35,158,556

A summary of the unrealized gains (losses) on investments carried at fair value and the applicable deferred federal income taxes are shown below:

		June 30			December 31
		2015			2014

Gross unrealized gains of fixed maturities	$	79,324		$	14,476
Gross unrealized (losses) of fixed maturities		(4,042	)		(9,031	)
Net unrealized gains on investments		75,282			5,445
Deferred federal tax expense		(25,596	)		(1,851	)
Net unrealized gains, net of deferred income taxes	$	49,686		$	3,594

At June 30, 2015, and December 31, 2014, the Company had one U.S. treasury security in an unrealized loss position for a continuous period of less than twelve months and one U.S. treasury security in an unrealized loss position for a continuous period of more than twelve months.

The Company closely monitors its investments. If an unrealized loss is determined to be other-than-temporary, it is written off as a realized loss through the consolidated statements of operations. The Company’s methodology of assessing other-than-temporary impairments is based on security-specific analysis as of the balance sheet date and considers various factors including the length of time to maturity and the extent to which the fair value has been less than the cost, the financial condition and the near-term prospects of the issuer, and whether the debtor is current on its contractually obligated interest and principal payments. The unrealized losses on the U.S. treasury securities in unrealized loss positions as of June 30, 2015, and December 31, 2014, were determined to be temporary.

The Company does not have the intent to sell its fixed maturity investments and has the ability to hold its fixed maturity investments to their maturity. It is not likely that the Company would be required to sell any of its fixed maturity investments prior to recovery of its amortized costs. The Company did not sell any fixed maturity investments during the three and six months ended June 30, 2015 and 2014; therefore, there were no realized investment gains or losses in the corresponding periods. The unrealized gains or losses from fixed maturities are reported as “Accumulated other comprehensive income,” which is a separate component of stockholders’ equity, net of any deferred tax effect.

The Company’s investment in certificates of deposit (CDs) included $24,871,000 and $14,489,000 of brokered CDs as of June 30, 2015, and December 31, 2014, respectively. Brokered CDs provide the safety and security of a CD combined with the convenience gained by one-stop shopping for rates at various institutions. This allows the Company to spread its investments across multiple institutions so that all of its CD investments are insured by the Federal Deposit Insurance Corporation (FDIC). Brokered CDs are purchased through UnionBanc Investment Services, LLC, a registered broker-dealer, investment advisor, member of FINRA/SIPC, and a subsidiary of Union Bank, N.A. Brokered CDs are a direct obligation of the issuing depository institution, are bank products of the issuing depository institution, are held in the name of Union Bank as Custodian for the benefit of the Company, and are FDIC insured within permissible limits. As of June 30, 2015, and December 31, 2014, the Company’s remaining CDs totaling $600,000 are from four different banks and represent statutory deposits that are assigned to and are held by the California State Treasurer and the Insurance Commissioner of the State of Nevada. These deposits are required for writing certain lines of business in California and for admission in the state of Nevada. All the Company’s brokered and non-brokered CDs are within the FDIC insured permissible limits.

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Short-term investments have an initial maturity of one year or less and consist of the following:

		June 30, 2015		December 31, 2014
U.S. treasury bills	$	43,985,398	$	69,968,988
U.S. treasury money market fund		6,325,636		1,450,451
Bank money market accounts		1,299,178		838,207
Bank savings accounts		1,762		1,762
Total short-term investments	$	51,611,974	$	72,259,408

NOTE 10 – CONTINGENCIES

The Company, by virtue of the nature of the business conducted by it, becomes involved in numerous legal proceedings as either plaintiff or defendant. The Company is also required to resort to legal proceedings from time to time in order to enforce collection of premiums, commissions, or fees for the services rendered to customers or to their agents. These routine items of litigation do not materially affect the Company and are handled on a routine basis by the Company through its counsel.

The Company establishes reserves for lawsuits, regulatory actions, and other contingencies for which the Company is able to estimate its potential exposure and believes a loss is probable. For loss contingencies believed to be reasonably possible, the Company discloses the nature of the loss contingency and an estimate of the possible loss, range of loss, or a statement that such an estimate cannot be made.

Likewise, the Company is sometimes named as a cross-defendant in litigation, which is principally directed against an insured who was issued a policy of insurance directly or indirectly through the Company. Incidental actions related to disputes concerning the issuance or non-issuance of individual policies are sometimes brought by customers or others. These items are also handled on a routine basis by the counsel, and they do not generally affect the operations of the Company. Management is confident that the ultimate outcome of pending litigation should not have an adverse effect on the Company's consolidated results of operations or financial position. The Company vigorously defends itself unless a reasonable settlement appears appropriate.

One of the Company’s agents, which was appointed in 2008 to assist the Company in implementing its Trucking Program, failed to pay the net premium and policy fees due Unifax, the exclusive general agent for Crusader. The agent was initially late in paying its February 2009 production that was due to Unifax on April 15, 2009. In May 2009, as a result of the agent’s failure to timely pay its balance due to Unifax, the Company terminated its agency agreement and assumed ownership and control of that agent’s policy expirations written with the Company. The Company subsequently commenced legal proceedings against the agent corporation, its three principals (who personally guaranteed the agent’s obligations), and a fourth individual for the recovery of the balance due and any related recovery costs incurred. All related recovery costs have been expensed as incurred. The agent corporation and two of its principals filed bankruptcy. The corporation was adjudicated bankrupt. The Company obtained judgments, non-dischargeable in bankruptcy, for the full amount due from the two principals who filed bankruptcy. The other principal stipulated to a judgment of $1,200,000, and that person has not filed for bankruptcy. The claim against the fourth individual was resolved. The Company collected $0 during the three and six months ended June 30, 2015, and $0 and $75,000 during the three and six months ended June 30, 2014, respectively. As of June 30, 2015, and December 31, 2014, the agent’s balance due to Unifax was $1,181,272. As of June 30, 2015, and December 31, 2014, the Company’s bad debt reserve associated with this matter was $1,181,272, which represents 100% of the balance due to Unifax. Although the receivable is fully reserved for financial reporting purposes at June 30, 2015, the Company continues to pursue collection of the judgments from the three principals.

ITEM 2 – MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

General

The Company is an insurance holding company that underwrites property and casualty insurance through its insurance company subsidiary; provides property, casualty, health and life insurance through its agency subsidiaries; provides insurance premium financing; and provides membership association services.

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Total revenues for the three months ended June 30, 2015, were $8,313,691 compared to $7,621,768 for the three months ended June 30, 2014, an increase of $691,923 (9%). Total revenues for the six months ended June 30, 2015, were $16,145,890 compared to $15,061,879 for the six months ended June 30, 2014, an increase of $1,084,011 (7%). The Company had net income of $112,381 for the three months ended June 30, 2015, compared to net income of $270,006 for the three months ended June 30, 2014, a decrease of $157,625 (58%). The Company had net loss of $284,404 for the six months ended June 30, 2015, compared to net income of $861,789 for the six months ended June 30, 2014, a decrease of $1,146,193 (133%).

This overview discusses some of the relevant factors that management considers in evaluating the Company's performance, prospects and risks. It is not all inclusive and is meant to be read in conjunction with the entirety of the management discussion and analysis, the Company's consolidated financial statements and notes thereto, and all other items contained within the report on this Form 10-Q.

Revenue and Income Generation

The Company receives its revenues primarily from earned premium derived from the insurance company operation, commission and fee income generated from the insurance agency operation, finance charges and fee income from the premium finance operation, and investment income from cash generated primarily from the insurance company operation. The insurance company operation generated approximately 91% of total revenues for the three and six months ended June 30, 2015, compared to 90% of total revenues for the three and six months ended June 30, 2014. The Company’s remaining operations constitute a variety of specialty insurance services, each with unique characteristics and individually not material to total revenues.

Insurance Company Operation

As of June 30, 2015, Crusader was licensed as an admitted insurance carrier in the states of Arizona, California, Nevada, Oregon, and Washington. Since 2004, all of Crusader’s business was written in the state of California until June 2014 when Crusader also began writing business in the state of Arizona. During the three and six months ended June 30, 2015, 99.6% and 99.5% of Crusader’s total direct written premium was produced in California compared to 99.9% and 99.9% for the three and six months ended June 30, 2014, respectively. 98% and 99% of Crusader’s business was commercial multi-peril policies for the three months and six ended June 30, 2015, compared to 98% for the three months and six ended June 30, 2014, respectively. In November 2014, A.M. Best Company reaffirmed Crusader’s financial strength rating of A- (Excellent) and a rating outlook of “stable.” In addition, A.M. Best Company assigned Crusader an Issuer Credit Rating of a- (Excellent).

The property and casualty insurance business is cyclical in nature, and the previous years have been characterized as a “soft market.” The conditions of a soft market include premium rates that are stable or falling and insurance is readily available. Contrarily, “hard market” conditions occur during periods in which premium rates rise, coverage may be more difficult to find, and there is a potential for insurers’ profits to increase. The Company believes that the California property and casualty insurance market has begun to transition but remains soft and intensely competitive.

Written premium is a non-GAAP financial measure which is defined, under statutory accounting principles, as the contractually determined amount charged by the Company to the policyholder for the effective period of the contract based on the expectation of risk, policy benefits, and expenses associated with the coverage provided by the terms of the policies. Written premium is a required statutory measure. Earned premium, the most directly comparable GAAP measure, represents the portion of written premium that is recognized as income in the financial statements for the period presented and earned on a pro-rata basis over the terms of the policies.

The following is a reconciliation of net written premium to net earned premium:

	Three Months Ended June 30						Six Months Ended June 30
	2015			2014			2015			2014

Net written premium	$	8,359,569		$	7,521,325		$	15,982,098		$	13,807,594
Change in direct unearned premium		(1,057,951	)		(1,014,973	)		(1,716,662	)		(886,700	)
Change in ceded unearned premium		26,237			(21,998	)		27,563			(48,299	)
Net earned premium	$	7,327,855		$	6,484,354		$	14,292,999		$	12,872,595

For the three months ended June 30, 2015, direct written premium as reported on Crusader’s statutory financial statements was $9,706,609 compared to $8,753,409 for the three months ended June 30, 2014, an increase of $953,200 (11%). For the six months ended June 30, 2015, direct written premium as reported on Crusader’s statutory financial statements was $18,579,571 compared to $16,255,156 for the six months ended June 30, 2014, an increase of $2,324,415 (14%).

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The insurance company operation underwriting profitability is defined by pre-tax underwriting profit, which is calculated as net earned premium less losses and loss adjustment expenses and policy acquisition costs.

Crusader’s underwriting profit before income taxes is as follows:

	Three Months Ended June 30									Six Months Ended June 30
	2015			2014			Increase (Decrease)			2015			2014			Increase (Decrease)

Net written premium	$	8,359,569		$	7,521,325		$	838,244		$	15,982,098		$	13,807,594		$	2,174,504
Change in net unearned premium		(1,031,714	)		(1,036,971	)		5,257			(1,689,099	)		(934,999	)		(754,100	)
Net earned premium		7,327,855			6,484,354			843,501			14,292,999			12,872,595			1,420,404
Less:
Losses and loss adjustment expenses		4,633,516			3,647,765			985,751			9,527,423			6,540,115			2,987,308
Policy acquisition costs		1,599,883			1,471,068			128,815			3,092,713			2,947,800			144,913
Total		6,233,399			5,118,833			1,114,566			12,620,136			9,487,915			3,132,221
Underwriting profit (before income taxes)	$	1,094,456		$	1,365,521		$	(271,065	)	$	1,672,863		$	3,384,680		$	(1,711,817	)

The following table provides an analysis of the losses and loss adjustment expenses:

	Three Months Ended June 30								Six Months Ended June 30
	2015			2014			Increase		2015			2014			Increase

Losses and loss adjustment expenses
Provision for insured events of current year	$	5,280,840		$	4,455,943		$	824,897	$	11,286,539		$	8,766,236		$	2,520,303
Development of insured events of prior years		(647,324	)		(808,178	)		160,854		(1,759,116	)		(2,226,121	)		467,005
Total losses and loss adjustment expenses	$	4,633,516		$	3,647,765		$	985,751	$	9,527,423		$	6,540,115		$	2,987,308

Losses and loss adjustment expenses were 63% and 67% of net earned premium for the three and six months ended June 30, 2015, respectively, compared to 56% and 51% of net earned premium for the three and six months ended June 30, 2014, respectively. As reflected in the above table, this increase is due to an increase in the provision for insured events of the current year and a decrease in favorable development of insured events of prior years.

Other Insurance Operations

The revenues from other insurance operations consist of commissions, fees, investment and other income. Excluding investment and other income, these operations accounted for approximately 9% of total revenues in the three and six months ended June 30, 2015, compared to approximately 11% of total revenues in the three and six months ended June 30, 2014.

Investments and Liquidity

The Company generates revenues from its total invested assets of $106,148,997 (at amortized cost) and $107,165,378 (at amortized cost) as of June 30, 2015 and 2014, respectively. Investment income increased $67,838 (225%) and $123,902 (202%) to $97,935 and $185,343 for the three and six months ended June 30, 2015, respectively, compared to $30,097 and $61,441 for the three and six months ended June 30, 2014, respectively. The increase in investment income was primarily a result of an increase in the Company’s annualized yield on average invested assets to 0.4% and 0.3% for the three and six months ended June 30, 2015, respectively, from 0.1% for the three and six months ended June 30, 2014. The increase in the annualized yield on average invested assets is primarily a result of a decrease in short-term investments and an increase in fixed maturity investments, that provide a higher yield. Due to the current interest rate and financial market environment, management believes it is prudent to purchase fixed maturity investments with maturities of 5 years or less and with minimal credit risk. As of June 30, 2015, all of the Company’s investments are in U.S. treasury securities, FDIC insured certificates of deposit, money market funds and a savings account. The Company’s investments in U.S treasury securities and money market funds are readily marketable. As of June 30, 2015, the weighted average maturity of the Company’s investments is approximately 1.5 years.

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Liquidity and Capital Resources

Crusader generates a significant amount of cash as a result of its holdings of unearned premium reserves, its reserves for loss and loss adjustment expense payments, and its capital and surplus. Crusader's loss and loss adjustment expense payments are the most significant cash flow requirement of the Company. These payments are continually monitored and projected to ensure that the Company has the liquidity to cover these payments without the need to liquidate its investments. Cash and investments (at amortized cost) of the Company at June 30, 2015, were $106,515,108 compared to $107,721,681 at December 31, 2014. Crusader's cash and investments were 99% of the total cash and investments (at amortized cost) held by the Company as of June 30, 2015, and December 31, 2014.

As of June 30, 2015, the Company had invested $54,537,023 (at amortized cost) or 51% of its total invested assets in fixed maturity obligations, which included $29,066,023 (53% of fixed maturity investments) in U.S. treasury notes and $25,471,000 (47% of fixed maturity investments) in long-term certificates of deposit. As of December 31, 2014, the Company had invested $35,153,111 (at amortized cost) or 33% of its total invested assets in fixed maturity obligations, which included $20,064,111 (57% of fixed maturity investments) in U.S. treasury notes and $15,089,000 (43% of fixed maturity investments) in long-term certificates of deposit. The remaining balance of the Company's investments are in short-term investments that include U.S. treasury bills, a U.S. treasury money market fund, bank money market accounts and a bank savings account that are all highly rated and redeemable within one year.

The Company is required to classify its investment securities into one of three categories: held-to-maturity, available-for-sale, or trading securities. Although all of the Company's investments in fixed maturity securities are classified as available-for-sale, and, while the Company may sell investment securities from time to time in response to economic and market conditions, its investment guidelines place primary emphasis on buying and holding high-quality investments to maturity.

The Company’s investment guidelines on equity securities limit investments in equity securities to an aggregate maximum of $2,000,000. The Company’s investment guidelines on fixed maturities limit those investments to high-grade obligations with a maximum term of 8 years. The maximum investment authorized in any one issuer is $2,000,000. This dollar limitation excludes bond premiums paid in excess of par value and U.S. government or U.S. government guaranteed issues. When the Company invests in fixed maturity municipal securities, preference is given to issues that are pre-refunded and secured by U.S. treasury securities. The short-term investments are either U.S. government obligations, FDIC insured, or are in an institution with a Moody's rating of P2 and/or a Standard & Poor's rating of A1. All of the Company's fixed maturity investment securities are rated, readily marketable, and could be liquidated without any materially adverse financial impact.

The Company reported $852,218 net cash used by operating activities for the six months ended June 30, 2015, compared to $1,453,781 net cash provided by operating activities for the six months ended June 30, 2014. The change in cash flows from operating activities is primarily attributable to the increase in loss and loss adjustment expense payments. Other fluctuations in cash flows from operating activities relate to the timing of the collection and the payment of insurance-related receivables and payables. The variability of the Company’s losses and loss adjustment expenses is primarily due to its small population of claims which may result in greater fluctuations in claim frequency and/or severity. Although the consolidated statements of cash flows reflect net cash used by operating activities, the Company does not anticipate future liquidity problems and continues to be well capitalized and adequately reserved.

Although material capital expenditures may also be funded through borrowings, the Company believes that its cash and short-term investments at June 30, 2015, net of statutory deposits of $700,000, and California insurance company statutory dividend restrictions applicable to Crusader, plus the cash to be generated from operations, should be sufficient to meet its operating requirements during the next 12 months without the necessity of borrowing funds. Since trust receivables were in excess of trust payables, there were no trust restrictions on cash and short-term investments at June 30, 2015.

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Results of Operations

All comparisons made in this discussion are comparing the three and six months ended June 30, 2015, to the three and six months ended June 30, 2014, unless otherwise indicated.

For the three and six months ended June 30, 2015, total revenues were $8,313,691 and $16,145,890, respectively, an increase of $691,923 (9%) and $1,084,011 (7%), compared to total revenues of $7,621,768 and $15,061,789 for the three and six months ended June 30, 2014, respectively. For the three and six months ended June 30, 2015, the Company had income before taxes of $182,673 and loss before taxes of $408,364, respectively, a decrease of $219,648 (55%) and $1,717,022 (131%), compared to income before taxes of $402,321 and $1,308,658 for the three and six months ended June 30, 2014, respectively. For the three and six months ended June 30, 2015, the Company had net income of $112,381 and net loss of $284,404, respectively, a decrease of $157,625 (58%) and $1,146,193 (133%), compared to net income of $270,006 and $861,789 for the three and six months ended June 30, 2014, respectively.

The increase in revenues of $691,923 (9%) for the three months ended June 30, 2015, when compared to June 30, 2014, was primarily due to an increase in net earned premium of $843,501 (13%) partially offset by decrease in other income of $171,623 (50%). The increase in revenues of $1,084,011 (7%) for the six months ended June 30, 2015, when compared to June 30, 2014, was primarily due to an increase in net earned premium of $1,420,404 (11%) partially offset by decrease in other income of $367,511 (60%).

The decrease in income before tax of $219,648 (55%) for the three months ended June 30, 2015, compared to the three months ended June 30, 2014, was due primarily to an increase in losses and loss adjustment expenses of $985,751 (27%) partially offset by the increase in revenues of $691,923 (9%). The decrease in income (loss) before tax of $1,717,022 (131%) for the six months ended June 30, 2015, compared to the six months ended June 30, 2014, was due primarily to an increase in losses and loss adjustment expenses of $2,987,308 (46%) partially offset by the increase in revenues of $1,084,011 (7%).

Written premium is a required statutory measure. Direct written premium (before reinsurance) reported on Crusader’s statutory financial statements increased $953,200 (11%) and $2,324,415 (14%) to $9,706,609 and $18,579,571 for the three and six months ended June 30, 2015, respectively, compared to $8,753,409 and $16,255,156 for the three and six months ended June 30, 2014, respectively. These increases in direct written premium during the three and six months ended June 30, 2015, when compared to the comparable period of 2014, were due primarily to increases in the Company’s apartment and commercial trucking programs, which are included in the Company’s commercial multi-peril business.

The property casualty insurance marketplace continues to be intensely competitive. While Crusader attempts to meet such competition with competitive prices, its emphasis is on service, promotion, and distribution. Crusader believes that rate adequacy is more important than premium growth and that underwriting profit (net earned premium less losses and loss adjustment expenses and policy acquisition costs) is its primary goal. Nonetheless, Crusader believes that it can grow its sales and profitability by continuing to focus upon four areas of its operations: (1) product development, (2) improved service to retail brokers, (3) appointment of captive and independent retail agents, and (4) geographical expansion. In order to enhance service, the Company is currently customizing and configuring a new policy administration system that is primarily focused on transacting business through the internet, as well as providing more options to make the brokers’ and agents’ time more efficient. The Company has not achieved its expected implementation targets for its new policy administration system. The Company is currently attempting to renegotiate the terms of its agreement with the vendor of the policy administration system so that it might still achieve the additional efficiencies and advantages that it originally sought from it in a cost-effective, timely manner. Crusader does not intend to substantially increase its number of appointed retail agents until the Company implements its new policy administration system.

Earned premium (before reinsurance) increased $910,223 (12%) to $8,648,658 and $1,494,453 (10%) to $16,862,909 for the three and six months ended June 30, 2015, respectively, compared to $7,738,435 and $15,368,456 for the three and six months ended June 30, 2014, respectively. The Company writes annual policies and, therefore, earns written premium ratably over the one-year policy term.

Ceded earned premium increased $66,722 (5%) to $1,320,803 and $74,049 (3%) to $2,569,910 for the three and six months ended June 30, 2015, respectively, compared to $1,254,081 and $2,495,861 for the three and six months ended June 30, 2014, respectively. Ceded earned premium as a percentage of direct earned premium was 15% for the three and six months ended June 30, 2015, and 16% for the three and six months ended June 30, 2014.

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In calendar years 2015 and 2014, Crusader retained a participation in its excess of loss reinsurance treaties of 10% in its 1^st layer ($500,000 in excess of $500,000), 0% in its 2^nd layer ($2,000,000 in excess of $1,000,000) and 0% in its property and casualty clash treaty. In calendar years 2015 and 2014, Crusader retained a participation in its catastrophe excess of loss reinsurance treaties of 5% in its 1^st layer ($9,000,000 in excess of $1,000,000) and 0% in its 2^nd layer ($31,000,000 in excess of $10,000,000).

Crusader’s excess of loss reinsurance treaties provided for a contingent commission for accident years 2006, 2004 and 2003. Crusader’s 2006 1^st layer primary excess of loss reinsurance treaty provided for a contingent commission equal to 20% of the net profit, if any, accruing to the reinsurer. Crusader’s 2004 and 2003 1^st layer primary excess of loss reinsurance treaties provided for a contingent commission to the Company equal to 45% of the net profit, if any, accruing to the reinsurer. The contingent commission income recognized was $123,494 and $91,686 for the three and six months ended June 30, 2015, respectively, and $9,463 and $23,269 for the three and six months ended June 30, 2014, respectively. As of June 30, 2015, the contingent commission agreements have expired, and all contingent commission income due on these agreements had been recognized. As of June 30, 2015, and December 31, 2014, the unearned contingent commission balance included in “Accrued expenses and other liabilities” in the consolidated balance sheets was $0 and $77,839, respectively.

The Company evaluates each of its ceded reinsurance contracts at its inception to determine if there is a sufficient risk transfer to allow the contract to be accounted for as reinsurance under current accounting literature. As of June 30, 2015, all such ceded contracts are accounted for as risk transfer reinsurance.

Crusader’s direct, ceded and net earned premium are as follows:

	Three Months Ended June 30								Six Months Ended June 30
	2015			2014			Increase		2015			2014			Increase

Direct earned premium	$	8,648,658		$	7,738,435		$	910,223	$	16,862,909		$	15,368,456		$	1,494,453
Ceded earned premium		1,320,803			1,254,081			66,722		2,569,910			2,495,861			74,049
Net earned premium	$	7,327,855		$	6,484,354		$	843,501	$	14,292,999		$	12,872,595		$	1,420,404
Ratio of ceded earned premium to direct earned premium		15	%		16	%				15	%		16	%

Investment income increased $67,838 (225%) to $97,935 and $123,902 (202%) to $185,343 for the three and six months ended June 30, 2015, respectively, compared to $30,097 and $61,441 for the three and six months ended June 30, 2014, respectively.

The increase in investment income was primarily a result of an increase in the Company’s annualized yield on average invested assets to 0.4% and 0.3% for the three and six months ended June 30, 2015, respectively, from 0.1% for the three and six months ended June 30, 2014. The increase in the annualized yield on average invested assets is primarily a result of a decrease in short-term investments and an increase in fixed maturity investments, which provide a higher yield.

Investment income and average annualized yields on the Company’s average invested assets are as follows:

	Three Months Ended June 30						Six Months Ended June 30
	2015			2014			2015			2014

Average invested assets* - at amortized cost	$	106,406,920		$	106,736,613		$	106,780,758		$	106,458,629
Interest income:
Insurance company operation	$	97,853		$	29,891		$	185,176		$	61,158
Other insurance operations		82			206			167			283
Total investment income and realized gains	$	97,935		$	30,097		$	185,343		$	61,441
Annualized yield on average invested assets		0.4	%		0.1	%		0.3	%		0.1	%

*The average is based on the beginning and ending balance of the amortized cost of the invested assets for each respective period.

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The par value, amortized cost, estimated market value and weighted average yield of fixed maturity investments at June 30, 2015, by contractual maturity are as follows:

Maturities by Calendar Year	Par Value		Amortized Cost		Fair Value		Weighted Average Yield

December 31, 2015	$	7,700,000	$	7,698,956	$	7,703,125		0.4	%
December 31, 2016		15,141,000		15,135,465		15,148,030		0.7	%
December 31, 2017		31,630,000		31,602,387		31,661,642		0.8	%
December 31, 2018		100,000		100,215		99,508		0.8	%
Total	$	54,571,000	$	54,537,023	$	54,612,305		0.7	%

Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without penalties.

The weighted average maturity of the Company’s fixed maturity investments was 1.5 years as of June 30, 2015, and 1.1 years as of June 30, 2014. Due to the current interest rate environment, management believes it is prudent to purchase fixed maturity investments with maturities of 5 years or less and with minimal credit risk.

As of June 30, 2015, the Company held five fixed maturity securities with unrealized gains of $79,324, one fixed maturity security with an unrealized loss of $3,335 for a continuous period of less than 12 months and one fixed maturity security with an unrealized loss of $707 for a continuous period of more than 12 months. As of December 31, 2014, the Company held three fixed maturity securities with unrealized gains of $14,476, one fixed maturity security with an unrealized loss of $7,238 continuous period of less than 12 months and one fixed maturity security with an unrealized loss of $1,793 continuous period of more than 12 months.

Other Income included in “Insurance company operation” and “Other insurance operations” revenues decreased $171,623 (50%) to $170,698 and $367,511 (60%) to $243,353 for the three and six months ended June 30, 2015, respectively, compared to $342,321 and $610,864 for the three and six months ended June 30, 2014, respectively.

The decrease in other income was primarily the result of a $194,635 and $374,625 reduction in rental income received by Crusader from the Calabasas property during three and six months ended June 30, 2015, respectively, when compared to comparable 2014 periods, due to a major tenant vacating the building in September 2014. The Company intends to occupy most of this recently vacated space as its new home office and is currently in the process of planning and implementing the steps necessary to modify the space to fit its operational needs with a targeted move in date by the end of third quarter of 2015.

Gross commissions and fees decreased $47,050 (6%) to $701,995 and $90,394 (6%) to $1,393,214 for the three and six months ended June 30, 2015, respectively, compared to $749,045 and $1,483,608 for the three and six months ended June 30, 2014, respectively.

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The decreases in gross commission and fee income for the three and six months ended June 30, 2015, as compared to the three and six months ended June 30, 2014, are as follows:

	Three Months Ended June 30							Six Months Ended June 30
						Increase							Increase
		2015		2014		(Decrease)			2015		2014		(Decrease)

Policy fee income	$	430,431	$	409,945	$	20,486		$	836,338	$	806,845	$	29,493
Health insurance program		247,536		292,933		(45,397	)		493,044		548,204		(55,160	)
Membership and fee income		22,402		25,762		(3,360	)		45,570		51,694		(6,124	)
Daily automobile rental insurance program:
Commission income (excluding contingent commission)		1,626		20,405		(18,779	)		1,675		50,901		(49,226	)
Contingent commission		—		—		—			16,587		25,964		(9,377	)
Total	$	701,995	$	749,045	$	(47,050	)	$	1,393,214	$	1,483,608	$	(90,394	)

Unifax sells and services insurance policies for Crusader. The commissions paid by Crusader to Unifax are eliminated as intercompany transactions and are not reflected as income in the consolidated financial statements. Unifax also receives non-refundable policy fee income that is directly related to the Crusader policies it sells. For financial statement reporting purposes, policy fees are earned ratably over the life of the related insurance policy. The unearned portion of the policy fee is recorded as a liability on the consolidated balance sheets under “Accrued expenses and other liabilities.” The earned portion of the policy fee charged to the policyholder by Unifax is recognized as income in the consolidated financial statements. Policy fee income increased $20,486 (5%) and $29,493 (4%) in the three and six months ended June 30, 2015, respectively, compared to the three and six months ended June 30, 2014. The increase in policy fee income is due primarily to a 9% increase in policies issued in the current amortization period as compared to the prior year amortization period.

American Insurance Brokers, Inc. (AIB), a wholly owned subsidiary of the Company, markets health insurance in California through non-affiliated insurance companies for individuals and groups. For these services, AIB receives commission based on the premiums that it writes. Commission income decreased $45,397 (15%) and $55,160 (10%) in the three and six months ended June 30, 2015, respectively, compared to the three and six months ended June 30, 2014. The decreases in commission income reported in the three and six months ended June 30, 2015, when compared to the prior year corresponding periods, were a result of decreases in the number of group accounts it underwrites and commission income on individual and group policies due primarily to the Patient Protection and Affordable Care Act.

The Company's wholly owned subsidiary Insurance Club, Inc., dba AAQHC An Administrator (AAQHC), is a third party administrator for contracted insurance companies and is a membership association that provides various consumer benefits to its members, including participation in group health care insurance policies that AAQHC negotiates for the association. For these services, AAQHC receives membership and fee income from its members. Membership and fee income decreased $3,360 (13%) and $6,124 (12%) in the three and six months ended June 30, 2015, respectively, compared to the three and six months ended June 30, 2014. These decreases were primarily a result of a decrease in the number of association members enrolled in AAQHC during the three and six months ended June 30, 2015, compared to the number of association members enrolled during the three and six months ended June 30, 2014.

The daily automobile rental insurance program is produced by Bedford Insurance Services, Inc. (Bedford), a wholly owned subsidiary of the Company. Bedford receives commission from a non-affiliated insurance company based on premium written. Bedford no longer writes new business for the non-affiliated insurance company it previously represented as a general agent. Bedford entered into a new Producer Agreement effective June 1, 2013, with a non-affiliated group of insurance companies. Under this agreement, Bedford has the authority to solicit and refer to these companies its daily automobile rental insurance policy submissions. Bedford does not have the authority to bind any risk or commit to any course of action without first requesting prior written permission. For its services, Bedford receives a commission. Commission in the daily automobile rental insurance program (excluding contingent commission) decreased $18,779 (92%) and $49,226 (97%) in the three and six months ended June 30, 2015, respectively, compared to the three and six months ended June 30, 2014. The decrease in commission income in the three and six months ended June 30, 2015, compared to the three and six months ended June 30, 2014, is primarily due to a continued decline in premiums written in this program from the non-affiliated insurance companies that it previously represented as a general agent. The Company no longer actively markets this program.

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Finance fees earned consist of late fees, returned check fees and payment processing fees. These fees earned by the Company’s wholly owned premium finance subsidiary, AAC, decreased $743 (5%) to $15,208 and $2,390 (7%) to $30,981 for the three and six months ended June 30, 2015, compared to $15,951 and in $33,371 fees earned during the three and six months ended June 31, 2014. The decrease in fees earned during the three and six months ended June 30, 2015, compared to the three and six months ended June 30, 2014, is primarily a result of fewer late fees earned during the period compared to the prior year period. During the three and six months ended June 30, 2015, AAC issued 906 and 1,783 loans, respectively, and had 2,570 loans outstanding as of June 30, 2015. During the three and six months ended June 30, 2014, AAC issued 871 and 1,689 loans, respectively, and had 2,484 loans outstanding as of June 30, 2014. AAC only provides premium financing for Crusader policies produced by Unifax in California. AAC reduced the interest rate charged on premiums financed to 0% beginning July 20, 2010 and, therefore, did not earn any finance charges during the three and six months ended June 30, 2015 and 2014. This reduction in the interest rate charged was initiated in an effort to increase the sales of existing renewal and new business written by Unifax for Crusader. Due to the low interest rate environment, the cost of money to provide this incentive is not material. The Company monitors the cost of providing this incentive and depending on the cost/benefit determination, can continue to offer it or withdraw it at any time.

Losses and loss adjustment expenses were 63% and 67% of net earned premium for the three and six months ended June 30, 2015, respectively, compared to 56% and 51% of net earned premium for the three and six months ended June 30, 2014, respectively.

Loss ratio is calculated by dividing losses and loss adjustment expenses by net earned premium. Losses and loss adjustment expenses and loss ratios are as follows:

	Three Months Ended June 30
	2015			2014			Increase

Net earned premium	$	7,327,855		$	6,484,354		$	843,501

Losses and loss adjustment expenses:
Provision for insured events of current year		5,280,840			4,455,943			824,897
Development of insured events of prior years		(647,324	)		(808,178	)		160,854
Total losses and loss adjustment expenses	$	4,633,516		$	3,647,765		$	985,751

Calendar year loss ratio		63	%		56	%

	Six Months Ended June 30
	2015			2014			Increase

Net earned premium	$	14,292,999		$	12,872,595		$	1,420,404

Losses and loss adjustment expenses:
Provision for insured events of current year		11,286,539			8,766,236			2,520,303
Development of insured events of prior years		(1,759,116	)		(2,226,121	)		467,005
Total losses and loss adjustment expenses	$	9,527,423		$	6,540,115		$	2,987,308

Calendar year loss ratio		67	%		51	%

The current accident year losses and loss adjustment expenses in the three and six months ended June 30, 2015, were 72% and 79% of net earned premium, respectively, compared to current accident year losses and loss adjustment expenses of 69% and 68% in the three and six months ended June 30, 2014, respectively.

The Company reported a $160,854 and $467,005 decrease in the favorable development of losses and loss adjustment expenses on insured events of prior accident years during the three and six months ended June 30, 2015, respectively, compared with the three and six months ended June 30, 2014. While the Company continued to have favorable development in 2015, the decrease in the favorable development from the comparable prior year period was primarily due to adverse development in the 2011 accident year in the three and six months ended June 30, 2015.

The variability of the Crusader’s losses and loss adjustment expenses for the periods presented is primarily due to the small population of the Crusader’s claims, which may result in greater fluctuations in claim frequency and/or severity. In addition, Crusader’s reinsurance retention, which is relatively high in relationship to its net earned premium, can result in increased loss ratio volatility when large losses are incurred. Nevertheless, management believes that its reinsurance retentions are reasonable given the amount of Crusader’s surplus and its goal to minimize ceded premium.

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The preparation of the Company’s consolidated financial statements requires estimation of certain liabilities, most significantly the liability for unpaid losses and loss adjustment expenses. Management makes its best estimate of the liability for these unpaid claims costs as of the end of each fiscal quarter. Due to the inherent uncertainties in estimating the Company’s unpaid claims costs, actual loss and loss adjustment expense payments are expected to vary, perhaps significantly, from any estimate made prior to the settling of all claims. Variability is inherent in establishing loss and loss adjustment expense reserves, especially for a small insurer like Crusader. For any given line of insurance, accident year, or other group of claims, there is a continuum of possible loss and loss adjustment expense reserve estimates, each having its own unique degree of propriety or reasonableness. Due to the complexity and nature of the insurance claims process, there are potentially an infinite number of reasonably likely scenarios. The Company does not specifically identify reasonably likely scenarios; rather, management draws on its collective experience to judgmentally determine its best estimate. In addition to applying a variety of standard actuarial methods to the data, an extensive series of diagnostic tests are applied to the resultant loss and loss adjustment expense reserve estimates to determine management’s best estimate of the unpaid claims liability. Among the statistics reviewed for each accident year are loss and loss adjustment expense development patterns, frequencies, severities, loss ratios to premium, and loss adjustment expense ratios to loss.

When there is clear evidence that the actual claims costs emerged are different than expected for any prior accident year, the claims cost estimates for that year are revised accordingly. If the claims costs that emerge are less favorable than initially anticipated, generally, the Company increases its loss and loss adjustment expense reserves immediately. However, if the claims costs that emerge are more favorable than initially anticipated, generally, the Company reduces its loss and loss adjustment expense reserves over time while it continues to assess the validity of the observed trends based on the subsequent emerged claim costs.

The establishment of loss and loss adjustment expense reserves is a difficult process as there are many factors that can ultimately affect the final settlement of a claim. Estimates are based on a variety of industry data and on the Company’s current and historical accident year claims data, including but not limited to reported claim counts, open claim counts, closed claim counts, closed claim counts with payments, paid losses, paid loss adjustment expenses, case loss reserves, case loss adjustment expense reserves, earned premiums and policy exposures, salvage and subrogation, and unallocated loss adjustment expenses paid. Many other factors, including changes in reinsurance, changes in pricing, changes in policy forms and coverage, changes in underwriting and risk selection, legislative changes, results of litigation and inflation are also taken into account.

At the end of each fiscal quarter, the Company’s loss and loss adjustment expense reserves for each accident year (i.e., for all claims incurred within each year) are reevaluated independently by the Company’s president, the Company’s chief financial officer and by an independent consulting actuary. Generally accepted actuarial methods, including the widely used Bornhuetter-Ferguson and loss development methods, are employed to estimate ultimate claims costs. An actuarial central estimate of the ultimate claims costs and IBNR reserves is ultimately determined by management and tested for reasonableness by the independent consulting actuary.

Policy acquisition costs consist of commissions, premium taxes, inspection fees, and certain other underwriting costs that are directly related to and vary with the successful production of Crusader insurance policies. These costs include both Crusader expenses and the allocated expenses of other Unico subsidiaries. Crusader's reinsurers pay Crusader a ceding commission, which is primarily a reimbursement of the acquisition cost related to the ceded premium. No ceding commission is received on facultative or catastrophe ceded premium. Policy acquisition costs, net of ceding commission, are deferred and amortized as the related premiums are earned. The Company annually reevaluates its acquisition costs to determine that costs related to successful policy acquisition are capitalized and deferred. These costs were approximately 22% of net earned premium for the three and six months ended June 30, 2015, and 23% of net earned premium for the three and six months ended June 30, 2014. Policy acquisition costs increased in the three and six months ended June 30, 2015, due primarily to the increase in net earned premium in the three and six months ended June 30, 2015, compared to the three and six months ended June 30, 2014.

Policy acquisition costs and the ratio to net earned premium are as follows:

	Three Months Ended June 30								Six Months Ended June 30
	2015			2014			Increase		2015			2014			Increase

Policy acquisition costs	$	1,599,883		$	1,471,068		$	128,815	$	3,092,713		$	2,947,800		$	144,913
Ratio to net earned premium (GAAP ratio)		22	%		23	%				22	%		23	%

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Salaries and employee benefits decreased $105,015 (8%) to $1,166,206 and $139,036 (5%) to $2,414,113 for the three and six months ended June 30, 2015, respectively, compared to salary and employee benefits of $1,271,221 and $2,553,149 for the three and six months ended June 30, 2014, respectively.

Salaries and employee benefits incurred and charged to operating expenses are as follows:

	Three Months Ended June 30
	2015			2014			(Decrease)

Total salaries and employee benefits incurred	$	1,792,209		$	1,815,347		$	(23,138	)
Less: charged to losses and loss adjustment expenses		(255,608	)		(219,451	)		(36,157	)
Less: capitalized to policy acquisition costs		(370,395	)		(324,675	)		(45,720	)
Net amount charged to operating expenses	$	1,166,206		$	1,271,221		$	(105,015	)

	Six Months Ended June 30
	2015			2014			(Decrease)

Total salaries and employee benefits incurred	$	3,641,145		$	3,648,756		$	(7,611	)
Less: charged to losses and loss adjustment expenses		(504,274	)		(422,866	)		(81,408	)
Less: capitalized to policy acquisition costs		(722,758	)		(672,741	)		(50,017	)
Net amount charged to operating expenses	$	2,414,113		$	2,553,149		$	(139,036	)

Commissions to agents/brokers decreased $9,474 (17%) to $44,756 and $8,725 (9%) to $89,344 for the three and six months ended June 30, 2015, respectively, compared to $54,230 and $98,069 for the three and six months ended June 30, 2014.

Other operating expenses decreased $88,506 (11%) to $686,657 and $183,427 (11%) to $1,430,661 for the three and six months ended June 30, 2015, respectively, compared to $775,163 and $1,614,088 for the three and six months ended June 30, 2014, respectively. The decrease in other operating expenses for the three and six months ended June 30, 2015, compared to the three and six months ended June 30, 2014, is related primarily to lower external audit fees and depreciation expense.

Income tax provision decreased $62,023 (47%) to an income tax expense of $70,292 (38% of pre-tax income) and decreased $570,829 (128%) to a benefit of $123,960 (30% of pre-tax income) for the three and six months ended June 30, 2015, from an income tax expense of $132,315 (33% of pre-tax income) and $446,869 (34% of pre-tax income) for the three and six months ended June 30, 2014. The income tax provision is primarily related to income before taxes. The calculated tax rate for the six months ended June 30, 2015, consisted of a federal tax benefit rate of 32% and a state income tax expense rate of approximately 2%. The calculated tax rate for the six months ended June 30, 2014, consisted of a federal tax expense rate of 34% and a state income tax expense rate of approximately 0%.

Forward Looking Statements

Certain statements contained herein, including the sections entitled “Business,” “Legal Proceedings” and “Management’s Discussion and Analysis of Financial Condition and Results of Operations” that are not historical facts are forward looking. These statements, which may be identified by forward looking words or phrases such as “anticipate,” “appear,” “believe,” “estimate,” “expect,” “intend,” “may,” “plan,” “should,” and “would” involve risks and uncertainties, many of which are beyond the control of the Company. Such risks and uncertainties could cause actual results to differ materially from these forward looking statements. Factors which could cause actual results to differ materially include: underwriting or marketing actions not being effective; rate increases for coverages not being sufficient; premium rate adequacy relating to competition or regulation; actual versus estimated claim experience; the outcome of rate change filings with regulatory authorities; acceptance by insureds of rate changes; adequacy of rate changes; changes in Crusader’s A.M. Best rating; regulatory changes or developments; the outcome of regulatory proceedings; unforeseen calamities; general market conditions; and the Company’s ability to introduce new profitable products.

ITEM 3 – QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

The Company’s consolidated balance sheets include a substantial amount of invested assets whose fair values are subject to various market risk exposures including interest rate risk and equity price risk.

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The Company’s invested assets consist of the following:

		June 30 2015		December 31 2014		Increase (Decrease)

Fixed maturity bonds (at amortized value)	$	29,066,023	$	20,064,111	$	9,001,912
Short-term cash investments (at cost)		51,611,974		72,259,408		(20,647,434	)
Certificates of deposit - over 1 year (at cost)		25,471,000		15,089,000		10,382,000
Total invested assets	$	106,148,997	$	107,412,519	$	(1,263,522	)

During the six months ended June 30, 2015, the Company invested a large portion of short-term investment maturities into U.S. treasury and FDIC insured certificate of deposit fixed maturity securities. There has been no material change in the market risk exposures since the end of the preceding fiscal year end.

ITEM 4 – CONTROLS AND PROCEDURES

An evaluation was carried out by the Company's management, including its Chief Executive Officer and Chief Financial Officer, of the effectiveness of the design and operation of the Company's disclosure controls and procedures as of June 30, 2015, as defined in Rule 13a-15(e) or 15d-15(e) under the Securities Exchange Act of 1934. Based upon that evaluation, the Chief Executive Officer and Chief Financial Officer concluded that the design and operation of these disclosure controls and procedures were effective.

During the period covered by this report, there has been no change in the Company's internal control over financial reporting identified in connection with the evaluation required by paragraph (d) of Rule 13a-15 or 15d-15 under the Securities Exchange Act of 1934 that has materially affected or is reasonably likely to materially affect the Company's internal control over financial reporting.

PART II - OTHER INFORMATION

ITEM 1A – RISK FACTORS

There were no material changes from risk factors as previously disclosed in the Company’s Form 10-K for the year ended December 31, 2014, in response to Item 1A to Part I of Form 10-K.

ITEM 6 – EXHIBITS

10.1

Employment Agreement effective March 17, 2015, between Unico American Corporation and Cary L. Cheldin (Incorporated herein by reference to Exhibit 10.1 to Registrant’s Current Report on Form 8-K with date of earliest event reported of March 16, 2015.)*

31.2

Certificate of Chief Financial Officer pursuant to Rule 13a-14(a) or Rule 15d-14(a), as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.

32.1

Certification of Chief Executive Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

32.2

Certification of Chief Financial Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

101

The following information from the Quarterly Report on Form 10-Q for the fiscal quarter ended June 30, 2015, formatted in XBRL (Extensible Business Reporting Language) and furnished electronically herewith: (i) the consolidated balance sheets; (ii) the consolidated statements of operations; (iii) the consolidated statements of comprehensive (loss) income; (iv) the consolidated statements of cash flows; and (v) the condensed notes to unaudited consolidated financial statements.**

* Indicates management contract or compensation plan or arrangement.

** XBRL information is furnished and deemed not filed as part of a registration statement or prospectus for purposes of Sections 11 or 12 of the Securities Act of 1933, is deemed not filed for purposes of Section 18 of the Securities Exchange Act and otherwise is not subject to liability under these sections.

23 of 24

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

UNICO AMERICAN CORPORATION

Date: August 13, 2015 By: /s/ CARY L. CHELDIN

Cary L. Cheldin

Chairman of the Board, President and Chief

Executive Officer (Principal Executive Officer)

Date: August 13, 2015 By: /s/ LESTER A. AARON

Lester A. Aaron

Treasurer, Chief Financial Officer (Principal

Accounting and Principal Financial Officer)

24 of 24

EX-31.1 2 ex31-1.htm CERTIFICATION

EXHIBIT 31.1

CERTIFICATION

Pursuant to 18 U.S.C. Section 1350,

as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

I, Cary L. Cheldin, certify that:

1. I have reviewed this quarterly report on Form 10-Q of Unico American Corporation;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4. The registrant's other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

c) Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

d) Disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal quarter (the registrant's fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial reporting; and

5. The registrant's other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors (or persons performing the equivalent functions):

a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and

b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.

Date: August 13, 2015

/s/ Cary L. Cheldin

Cary L. Cheldin

Chairman of the Board, President and Chief Executive Officer

EX-31.2 3 ex31-2.htm CERTIFICATION

EXHIBIT 31.2

CERTIFICATION

Pursuant to 18 U.S.C. Section 1350,

as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

I, Lester A. Aaron, certify that:

1. I have reviewed this quarterly report on Form 10-Q of Unico American Corporation;

b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.

Date: August 13, 2015

/s/ Lester A. Aaron

Lester A. Aaron

Treasurer, Chief Financial Officer

EX-32.1 4 ex32-1.htm CERTIFICATION UNDER SECTION 906

EXHIBIT 32.1

CERTIFICATION UNDER SECTION 906

OF THE

SARBANES-OXLEY ACT OF 2002

In connection with the quarterly report on Form 10-Q of Unico American Corporation (the "Company") for the period ended June 30, 2015, as filed with the Securities and Exchange Commission (the "Report"), I, Cary L. Cheldin, Chief Executive Officer of the Company, hereby certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that to the best of my knowledge:

1. the Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934, as amended; and

2. the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

/s/ Cary L. Cheldin

Name: Cary L. Cheldin

Title: Chairman of the Board, President and Chief Executive Officer

Date: August 13, 2015

A signed original of this written statement required by Section 906, or other document authenticating, acknowledging, or otherwise adopting the signature that appears in typed form within the electronic version of this written statement required by Section 906, has been provided to Unico American Corporation, and

will be retained by Unico American Corporation, and furnished to the Securities and Exchange Commission or its staff upon request.

EX-32.2 5 ex32-2.htm CERTIFICATION UNDER SECTION 906

EXHIBIT 32.2

CERTIFICATION UNDER SECTION 906

OF THE

SARBANES-OXLEY ACT OF 2002

In connection with the quarterly report on Form 10-Q of Unico American Corporation (the "Company") for the period ended June 30, 2015, as filed with the Securities and Exchange Commission (the "Report"), I, Lester A. Aaron, Treasurer and Chief Financial Officer of the Company, hereby certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that to the best of my knowledge:

1. the Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934, as amended; and

2. the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

/s/ Lester A. Aaron

Name: Lester A. Aaron

Title: Treasurer, Chief Financial Officer

Date: August 13, 2015

will be retained by Unico American Corporation, and furnished to the Securities and Exchange Commission or its staff upon request.

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107417964

106224279

42895

58787

5170313

6107001

201007

341741

5162775 5484733

3882825

4270016

10510306

10615880

1518534

1381264

1799788

2153665

16607179

18323842

250421

383498

2986317

2539580

64240475

65478632

136015569

137003477

3731828

3742297

68039672

67732862

136015569

137003477

10000000

5341147

5338943

5341147

5338943

123048404 121456170 -1657750 -634205 121390654 120821965 14624915 16181512

3594

49686

69968988 43985398 1450451 6325636 838207 1299178 1762 1762

14476

79324

9031

4042

5445

75282

1851

25596

3594

49686

14489000 24871000

600000

0 75000 0 0 1181272 1181272 1181272 1181272 100 100

2633536

2634931

2637966

2872311

1787485

139749

277935

234345

116894

20069556

29141305

20069556

29141305

15089000

25471000

15089000

25471000

20069556

15089000

29141305

25471000

35158556

54612305

72568570 0 0 51978085 0 0 72568570 51978085 92638126 15089000 0 81119390 25471000 0 107727126 106590390 1200000 1200000

376388

104062

309162

366111

44396558 44231712 35153111 54537023

7269449

7384605

0 14476 14476 0 79324 79324 0 9031 9031 0 4042 4042 25471000 20064111 35153111 15089000 29066023 54537023

25471000

20069556

35158556

15089000

29141305

54612305

4810

11426

69837

-14195

1635

3885

23745

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273181

869330

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-9054

11552

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295879

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270451

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886701

1716663

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31748

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-82388

-128377

1453781

-852218

100000

21323858

400000

1949000

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20647434

313806

339919

-1726107

932657

-23490

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56949

533800

8900

NOTE 3 EARNINGS (LOSS) PER SHARE The following table represents the reconciliation of the Company's basic earnings (loss) per share and diluted earnings (loss) per share computations reported on the consolidated statements of operations for the three and six months ended June 30, 2015 and 2014: <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 10pt Arial, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom"> <td style="text-align: justify"> </td><td> </td> <td colspan="7" style="text-align: center">Three Months Ended</td><td> </td> <td colspan="7" style="text-align: center">Six Months Ended</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: justify; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="7" style="text-align: center; border-bottom: Black 1pt solid">  June 30</td><td style="padding-bottom: 1pt"> </td> <td colspan="7" style="border-bottom: Black 1pt solid; text-align: center">June 30</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: justify; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2015</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2014</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2015</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2014</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; border-bottom: Black 1pt solid">Basic Earnings (Loss) Per Share</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="text-align: right"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="text-align: right"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="3"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="3"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 40%; text-align: left; padding-bottom: 2.5pt; padding-left: 0.05in">Net income (loss)</td><td style="width: 3%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; padding-bottom: 2.5pt; text-align: left">$</td><td style="width: 10%; border-bottom: Black 2.5pt double; text-align: right">112,381</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 3%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; padding-bottom: 2.5pt; text-align: left">$</td><td style="width: 10%; border-bottom: Black 2.5pt double; text-align: right">270,006</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 3%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; padding-bottom: 2.5pt; text-align: left">$</td><td style="width: 10%; border-bottom: Black 2.5pt double; text-align: right">(284,404</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left">)</td><td style="width: 3%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; padding-bottom: 2.5pt; text-align: left">$</td><td style="width: 10%; border-bottom: Black 2.5pt double; text-align: right">861,789</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt; padding-left: 0.05in"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt; padding-left: 0.05in">Weighted average shares outstanding</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">5,339,392</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">5,341,147</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">5,340,270</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">5,341,147</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt; padding-left: 0.05in"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.05in">     Basic earnings (loss) per share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.02</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.05</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(0.05</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.16</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 12pt; padding-left: 0.05in"> </td><td style="font-size: 12pt"> </td> <td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt; text-align: right"> </td><td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt"> </td> <td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt; text-align: right"> </td><td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt"> </td> <td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt; text-align: right"> </td><td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt"> </td> <td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt; text-align: right"> </td><td style="font-size: 12pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: normal; text-decoration: underline; padding-left: 0.05in">Diluted Earnings (Loss) Per Share</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.05in">Net income (loss)</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">112,381</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">270,006</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">(284,404</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">861,789</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.05in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.05in">Weighted average shares outstanding</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,339,392</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,341,147</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,340,270</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,341,147</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.05in">Effect of dilutive securities</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,552</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,935</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">4,133</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt; padding-left: 0.05in">Diluted shares outstanding</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">5,342,944</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">5,345,082</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">5,340,270</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">5,345,280</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.05in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.05in">     Diluted earnings (loss) per share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.02</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.05</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(0.05</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.16</td><td style="text-align: left"> </td></tr> </table>   Basic earnings per share exclude the impact of common share equivalents and are based upon the weighted average common shares outstanding. Diluted earnings per share utilize the average market price per share when applying the treasury stock method in determining common share dilution. When outstanding stock options are dilutive, they are treated as common share equivalents for purposes of computing diluted earnings per share and represent the difference between basic and diluted weighted average shares outstanding. In loss periods, stock options are excluded from the calculation of diluted (loss) per share, as the inclusion of stock options would have an anti-dilutive effect. As of June 30, 2015, the Company had 5,523 common share equivalents which were excluded in the six months diluted (loss) per share calculation.

NOTE 4 RECENTLY ISSUED ACCOUNTING STANDARDS In May 2015, the Financial Accounting Standards Board issued Accounting Standards Update (ASU) 2015-09 Disclosures About Short-Duration Contracts. The objective of this ASU is to increase transparency about significant estimates in unpaid losses and loss adjustment expenses and provide additional information about amount, timing and uncertainty of cash flows related to unpaid losses and loss adjustment expenses. ASU 2015-09 is not expected to have any impact on the Companys consolidated financial statements. The disclosure mandated by ASU 2015-09 will become effective for annual and quarterly reporting periods ended on and after December 31, 2016.

NOTE 6 PROPERTY AND EQUIPMENT, NET Property and equipment consist of the following: <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 10pt Arial, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">June 30</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">December 31</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2015</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2014</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 61%; text-align: left; padding-left: 5.4pt">Building, furniture, fixtures, equipment and leasehold improvements located in Calabasas, California</td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">7,384,605</td><td style="width: 1%; text-align: left"> </td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">7,269,449</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">Furniture, fixtures, equipment and leasehold improvements located in Woodland Hills, California</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,634,931</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,633,536</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Accumulated depreciation and amortization</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(2,872,311</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(2,637,966</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Land located in Calabasas, California</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,787,485</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,787,485</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Computer software under development</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,681,170</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,457,802</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">        Property and equipment, net</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">10,615,880</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">10,510,306</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> Depreciation on the Calabasas building is computed using the straight line method over 39 years. Depreciation on furniture, fixtures and equipment in the Calabasas building is computed using the straight line method over 3 to 15 years. Amortization of leasehold improvements in the Calabasas building is being computed using the shorter of the useful life of the leasehold improvements or the remaining years of the lease.   Depreciation on furniture, fixtures and equipment located in Woodland Hills is computed using the straight line method over 3 to 7 years. Amortization of leasehold improvements on property located in Woodland Hills is computed using the shorter of the useful life of the leasehold improvements or the remaining years of the lease.   Depreciation and amortization expense on all property and equipment for the three and six months ended June 30, 2015, was $116,894 and $234,345, respectively, and for the three and six months ended June 30, 2014, was $139,749 and $277,935, respectively.   The Calabasas building has generated rental revenues in the amount of $39,109 and $88,966 for the three and six months ended June 30, 2015, respectively, and $233,744 and $463,591 for the three and six months ended June 30, 2014, respectively. The Calabasas building has incurred operating expenses, which included depreciation, in the amount of $166,126 and $344,205 for the three and six months ended June 30, 2015, respectively, and $181,468 and $383,787 for the three and six months ended June 30, 2014, respectively. These amounts are included in other income from insurance company operation and other operating expenses, respectively, in the Companys consolidated statements of operations.   On September 7, 2014, a lease from a single tenant occupying approximately 32,403 square feet of the Calabasas building ended, and the tenant has vacated the premises. The Company intends to occupy most of this recently vacated space as its new home office and is currently in the process of planning and implementing the steps necessary to modify the space to fit its operational needs with a targeted move in date by the end of third quarter of 2015. The Companys current home office located in Woodland Hills, California, will be vacated, and the month-to-month lease for this office will be terminated upon the completion of the move to the Calabasas building.   The total square footage of the Calabasas building is 46,884, including common areas. As of June 30, 2015, 8,442 square feet of the Calabasas building was leased to non-affiliated entities, and 6,039 square feet was vacant and available to be leased to non-affiliated entities.   The Company capitalizes certain computer software costs purchased from outside vendors for internal use. These costs also include configuration and customization activities, coding, testing and installation. Training costs and maintenance are expensed as incurred, while upgrade and enhancements are capitalized if it is probable that such expenditure will result in additional functionality. The capitalized costs will not be depreciated until the software is placed into production.

NOTE 7 SEGMENT REPORTING ASC Topic 280, Segment Reporting, establishes standards for the way information about operating segments is reported in financial statements. The Company has identified its insurance company operation as its primary reporting segment. Revenues from this segment comprised 91% of total revenues for the three and six months ended June 30, 2015, compared to 90% of total revenues for the three and six months ended June 30, 2014. The Companys remaining operations constitute a variety of specialty insurance services, each with unique characteristics and individually insignificant to total revenues.   Revenues, income (loss) before income taxes, and assets by segment are as follows:   <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 10pt Arial, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom"> <td style="text-align: justify"> </td><td> </td> <td colspan="7" style="text-align: center">Three Months Ended</td><td> </td> <td colspan="7" style="text-align: center">Six Months Ended</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: justify"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="7" style="border-bottom: Black 1pt solid">                 June 30</td><td style="padding-bottom: 1pt"> </td> <td colspan="7" style="text-align: center; border-bottom: Black 1pt solid">June 30</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: justify; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2015</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">  2014</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2015</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2014</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-decoration: underline; text-align: justify; padding-left: 0.05in">Revenues</td><td style="font-size: 12pt"> </td> <td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt; text-align: right"> </td><td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt"> </td> <td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt; text-align: right"> </td><td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt"> </td> <td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt; text-align: right"> </td><td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt"> </td> <td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt; text-align: right"> </td><td style="font-size: 12pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 40%; text-align: justify; padding-left: 0.05in">Insurance company operation </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">7,594,589</td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">6,854,566</td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">14,719,270</td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">13,529,505</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.05in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.05in">Other insurance operations</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,382,306</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,168,472</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,523,946</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,990,845</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.05in; padding-bottom: 1pt">Intersegment eliminations (1)</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">(2,663,204</td><td style="text-align: left; padding-bottom: 1pt">)</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">(2,401,270</td><td style="text-align: left; padding-bottom: 1pt">)</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">(5,097,326</td><td style="text-align: left; padding-bottom: 1pt">)</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">(4,458,471</td><td style="text-align: left; padding-bottom: 1pt">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.05in; padding-bottom: 1pt">   Total other insurance operations</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">719,102</td><td style="text-align: left; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">767,202</td><td style="text-align: left; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">1,426,620</td><td style="text-align: left; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">1,532,374</td><td style="text-align: left; padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.05in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.05in">   Total revenues</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">8,313,691</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">7,621,768</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">16,145,890</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">15,061,879</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 12pt; padding-left: 0.05in"> </td><td style="font-size: 12pt"> </td> <td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt; text-align: right"> </td><td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt"> </td> <td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt; text-align: right"> </td><td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt"> </td> <td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt; text-align: right"> </td><td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt"> </td> <td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt; text-align: right"> </td><td style="font-size: 12pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: normal; text-decoration: underline; text-align: left; padding-left: 0.05in">Income (Loss) Before Income Taxes</td><td style="font-size: 12pt"> </td> <td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt; text-align: right"> </td><td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt"> </td> <td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt; text-align: right"> </td><td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt"> </td> <td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt; text-align: right"> </td><td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt"> </td> <td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt; text-align: right"> </td><td style="font-size: 12pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 0.05in">Insurance company operation</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">254,512</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">731,578</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(2,068</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2,347,512</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 0.05in; padding-bottom: 1pt">Other insurance operations</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">(71,839</td><td style="text-align: left; padding-bottom: 1pt">)</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">(329,257</td><td style="text-align: left; padding-bottom: 1pt">)</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">(406,296</td><td style="text-align: left; padding-bottom: 1pt">)</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">(1,038,854</td><td style="text-align: left; padding-bottom: 1pt">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 0.05in">   Total income (loss) before income taxes</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">182,673</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">402,321</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">(408,364</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,308,658</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>   <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 10pt Arial, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="7" style="text-align: center; border-bottom: Black 1pt solid">As of</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td> </td> <td colspan="3" style="text-align: center">June 30</td><td> </td> <td colspan="3" style="text-align: center">December 31</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="text-align: center; border-bottom: Black 1pt solid">2015</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="text-align: center; border-bottom: Black 1pt solid">2014</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-decoration: underline; text-align: justify; padding-left: 5.4pt">Assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 56%; text-align: justify; padding-left: 5.4pt">Insurance company operation</td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">121,456,170</td><td style="width: 1%; text-align: left"> </td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">123,048,404</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt; padding-bottom: 1pt">Intersegment eliminations (2)</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">(634,205</td><td style="text-align: left; padding-bottom: 1pt">)</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">(1,657,750</td><td style="text-align: left; padding-bottom: 1pt">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt">     Total insurance company operation</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">120,821,965</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">121,390,654</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt; padding-bottom: 1pt">Other insurance operations</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">16,181,512</td><td style="text-align: left; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">14,624,915</td><td style="text-align: left; padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">     Total assets</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">137,003,477</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">136,015,569</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>     <table cellpadding="0" cellspacing="0" style="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 19.5pt">(1)</td><td style="text-align: justify">Intersegment revenue eliminations reflect commissions paid by Crusader to Unifax Insurance Systems, Inc. (Unifax), a wholly owned subsidiary of Unico. </td></tr></table> <table cellpadding="0" cellspacing="0" style="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 19.5pt">(2)</td><td style="text-align: justify">Intersegment asset eliminations reflect the elimination of Crusader receivables from Unifax and Unifax payables to Crusader.</td></tr></table>

NOTE 8 FAIR VALUE OF FINANCIAL INSTRUMENTS In determining the fair value of its financial instruments, the Company employs a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The fair value of a financial instrument is the amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date (the exit price). Financial assets and financial liabilities recorded on the consolidated balance sheets at fair value are categorized based on the reliability of inputs to the valuation techniques as follows:   Level 1 Financial assets and financial liabilities whose values are based on unadjusted quoted prices in active markets for identical assets or liabilities as of the reporting date.   Level 2 Financial assets and financial liabilities whose values are based on quoted prices for similar assets or liabilities in active markets; quoted prices for identical or similar assets or liabilities in non-active markets; or valuation models whose inputs are observable, directly or indirectly, for substantially the full term of the asset or liability as of the reporting date.   Level 3 Financial assets and financial liabilities whose values are based on prices or valuation techniques that require inputs that are both unobservable and significant to the overall fair value measurement. These inputs reflect the Companys estimates of the assumptions that market participants would use in valuing the financial assets and financial liabilities as of the reporting date.   The hierarchy gives the highest priority to Level 1 inputs and the lowest priority to Level 3 inputs. In certain cases, the inputs used to measure fair value may fall into different levels of the fair value hierarchy. In such cases, the level in the fair value hierarchy within which the fair value measurement in its entirety falls has been determined based on the lowest level input that is significant to the fair value measurement in its entirety. Thus, a Level 3 fair value measurement may include inputs that are observable (Level 1 or Level 2) or unobservable (Level 3). The Companys assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment and considers factors specific to the asset or liability.   The following table presents information about the Companys consolidated financial instruments and their estimated fair values, which are measured on a recurring basis, and are allocated among the three levels within the fair value hierarchy as of June 30, 2015, and December 31, 2014:   <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 10pt Arial, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">Level 1</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">Level 2</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">Level 3</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">Total</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-decoration: underline; text-align: justify; padding-left: 5.4pt">June 30, 2015</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt">Financial instruments:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt">  Fixed maturity securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 40%; text-align: justify; padding-left: 5.4pt">    U.S. treasury securities</td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">29,141,305</td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">  </td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">  </td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">29,141,305</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 1pt; padding-left: 5.4pt">    Certificates of deposit</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">25,471,000</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">25,471,000</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt">       Total fixed maturity securities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">29,141,305</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">25,471,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">54,612,305</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 1pt; padding-left: 5.4pt">  Cash and short-term investments</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">51,978,085</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">51,978,085</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">       Total financial instruments at fair value</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">81,119,390</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">25,471,000</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">  </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">106,590,390</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-decoration: underline; text-align: justify; padding-left: 5.4pt">December 31, 2014</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt">Financial instruments:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt">  Fixed maturity securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt">    U.S. treasury securities</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">20,069,556</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">20,069,556</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-bottom: 1pt; padding-left: 5.4pt">    Certificates of deposit</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">15,089,000</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">15,089,000</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt">       Total fixed maturity securities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">20,069,556</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">15,089,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">35,158,556</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-bottom: 1pt; padding-left: 5.4pt">  Cash and short-term investments</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">72,568,570</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">72,568,570</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">       Total financial instruments at fair value</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">92,638,126</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">15,089,000</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">  </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">107,727,126</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>   Fair value measurements are not adjusted for transaction costs. The Company recognizes transfers between levels at either the actual date of the event or a change in circumstances that caused the transfer. The Company did not have any transfers between Levels 1, 2 and 3 of the fair value hierarchy during the three and six months ended June 30, 2015 and 2014.

NOTE 9 INVESTMENTS A summary of total investment income is as follows: <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 10pt Arial, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom"> <td style="text-align: justify; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="7" style="text-align: center; border-bottom: Black 1pt solid">Three Months Ended June 30</td><td style="padding-bottom: 1pt"> </td> <td colspan="7" style="text-align: center; border-bottom: Black 1pt solid">Six Months Ended June 30</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: justify; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="text-align: center; border-bottom: Black 1pt solid">    2015</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="text-align: center; border-bottom: Black 1pt solid">2014</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="text-align: center; border-bottom: Black 1pt solid">2015</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="text-align: center; border-bottom: Black 1pt solid">2014</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: justify"> </td><td> </td> <td colspan="3" style="text-align: right"> </td><td> </td> <td colspan="3" style="text-align: right"> </td><td> </td> <td colspan="3" style="text-align: right"> </td><td> </td> <td colspan="3" style="text-align: right"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 40%; text-align: justify; padding-left: 5.4pt">Fixed maturities</td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">85,229</td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">13,543</td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">157,165</td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">26,632</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt; padding-bottom: 1pt">Short-term investments</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">12,706</td><td style="text-align: left; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">16,554</td><td style="text-align: left; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">28,178</td><td style="text-align: left; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">34,809</td><td style="text-align: left; padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">     Total investment income</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">97,935</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">30,097</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">185,343</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">61,441</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>   The amortized cost and estimated fair values of investments in fixed maturities by category are as follows: <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 10pt Arial, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 5.4pt; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid"> Amortized Cost</td><td style="text-align: left; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">Gross Unrealized Gains</td><td style="text-align: left; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">Gross Unrealized Losses</td><td style="text-align: left; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">Estimated Fair Value</td><td style="text-align: left; padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-decoration: underline; padding-left: 5.4pt">June 30, 2015</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Available for sale:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 10pt">Fixed maturities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 40%; padding-left: 20pt">Certificates of deposit</td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">25,471,000</td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">  </td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">  </td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">25,471,000</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 20pt">U.S. treasury securities</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">29,066,023</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">79,324</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(4,042</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">29,141,305</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 30pt">Total fixed maturities</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">54,537,023</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">79,324</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">(4,042</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">54,612,305</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-decoration: underline; padding-left: 5.4pt">December 31, 2014</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">Available for sale:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 10pt">Fixed maturities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 20pt">Certificates of deposit</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">15,089,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">15,089,000</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 20pt">U.S. treasury securities</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">20,064,111</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">14,476</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(9,031</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">20,069,556</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 30pt">Total fixed maturities</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">35,153,111</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">14,476</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">(9,031</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">35,158,556</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>   A summary of the unrealized gains (losses) on investments carried at fair value and the applicable deferred federal income taxes are shown below: <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 10pt Arial, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">June 30</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">December 31</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2015</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2014</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 56%; text-align: justify; padding-left: 5.4pt">Gross unrealized gains of fixed maturities</td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">79,324</td><td style="width: 1%; text-align: left"> </td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">14,476</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt; padding-bottom: 1pt">Gross unrealized (losses) of fixed maturities</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">(4,042</td><td style="text-align: left; padding-bottom: 1pt">)</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">(9,031</td><td style="text-align: left; padding-bottom: 1pt">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt">Net unrealized gains on investments</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">75,282</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,445</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt; padding-bottom: 1pt">Deferred federal tax expense</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">(25,596</td><td style="text-align: left; padding-bottom: 1pt">)</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">(1,851</td><td style="text-align: left; padding-bottom: 1pt">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">  Net unrealized gains, net of deferred income taxes</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">49,686</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,594</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>   At June 30, 2015, and December 31, 2014, the Company had one U.S. treasury security in an unrealized loss position for a continuous period of less than twelve months and one U.S. treasury security in an unrealized loss position for a continuous period of more than twelve months.   The Company closely monitors its investments. If an unrealized loss is determined to be other-than-temporary, it is written off as a realized loss through the consolidated statements of operations. The Companys methodology of assessing other-than-temporary impairments is based on security-specific analysis as of the balance sheet date and considers various factors including the length of time to maturity and the extent to which the fair value has been less than the cost, the financial condition and the near-term prospects of the issuer, and whether the debtor is current on its contractually obligated interest and principal payments. The unrealized losses on the U.S. treasury securities in unrealized loss positions as of June 30, 2015, and December 31, 2014, were determined to be temporary.   The Company does not have the intent to sell its fixed maturity investments and has the ability to hold its fixed maturity investments to their maturity. It is not likely that the Company would be required to sell any of its fixed maturity investments prior to recovery of its amortized costs. The Company did not sell any fixed maturity investments during the three and six months ended June 30, 2015 and 2014; therefore, there were no realized investment gains or losses in the corresponding periods. The unrealized gains or losses from fixed maturities are reported as Accumulated other comprehensive income, which is a separate component of stockholders equity, net of any deferred tax effect.   The Companys investment in certificates of deposit (CDs) included $24,871,000 and $14,489,000 of brokered CDs as of June 30, 2015, and December 31, 2014, respectively. Brokered CDs provide the safety and security of a CD combined with the convenience gained by one-stop shopping for rates at various institutions. This allows the Company to spread its investments across multiple institutions so that all of its CD investments are insured by the Federal Deposit Insurance Corporation (FDIC). Brokered CDs are purchased through UnionBanc Investment Services, LLC, a registered broker-dealer, investment advisor, member of FINRA/SIPC, and a subsidiary of Union Bank, N.A. Brokered CDs are a direct obligation of the issuing depository institution, are bank products of the issuing depository institution, are held in the name of Union Bank as Custodian for the benefit of the Company, and are FDIC insured within permissible limits. As of June 30, 2015, and December 31, 2014, the Companys remaining CDs totaling $600,000 are from four different banks and represent statutory deposits that are assigned to and are held by the California State Treasurer and the Insurance Commissioner of the State of Nevada. These deposits are required for writing certain lines of business in California and for admission in the state of Nevada. All the Companys brokered and non-brokered CDs are within the FDIC insured permissible limits.   Short-term investments have an initial maturity of one year or less and consist of the following: <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 10pt Arial, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">   June 30, 2015</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">December 31, 2014</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 56%; text-align: left; padding-left: 5.4pt">  U.S. treasury bills</td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">43,985,398</td><td style="width: 1%; text-align: left"> </td><td style="width: 6%"> </td> <td style="width: 2%; text-align: left">$</td><td style="width: 13%; text-align: right">69,968,988</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">  U.S. treasury money market fund</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,325,636</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,450,451</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">  Bank money market accounts</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,299,178</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">838,207</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt; padding-bottom: 1pt">  Bank savings accounts</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">1,762</td><td style="text-align: left; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">1,762</td><td style="text-align: left; padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">     Total short-term investments</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">51,611,974</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">72,259,408</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>

NOTE 10 CONTINGENCIES The Company, by virtue of the nature of the business conducted by it, becomes involved in numerous legal proceedings as either plaintiff or defendant. The Company is also required to resort to legal proceedings from time to time in order to enforce collection of premiums, commissions, or fees for the services rendered to customers or to their agents. These routine items of litigation do not materially affect the Company and are handled on a routine basis by the Company through its counsel.   The Company establishes reserves for lawsuits, regulatory actions, and other contingencies for which the Company is able to estimate its potential exposure and believes a loss is probable. For loss contingencies believed to be reasonably possible, the Company discloses the nature of the loss contingency and an estimate of the possible loss, range of loss, or a statement that such an estimate cannot be made.   Likewise, the Company is sometimes named as a cross-defendant in litigation, which is principally directed against an insured who was issued a policy of insurance directly or indirectly through the Company. Incidental actions related to disputes concerning the issuance or non-issuance of individual policies are sometimes brought by customers or others. These items are also handled on a routine basis by the counsel, and they do not generally affect the operations of the Company. Management is confident that the ultimate outcome of pending litigation should not have an adverse effect on the Company's consolidated results of operations or financial position. The Company vigorously defends itself unless a reasonable settlement appears appropriate.   One of the Companys agents, which was appointed in 2008 to assist the Company in implementing its Trucking Program, failed to pay the net premium and policy fees due Unifax, the exclusive general agent for Crusader. The agent was initially late in paying its February 2009 production that was due to Unifax on April 15, 2009. In May 2009, as a result of the agents failure to timely pay its balance due to Unifax, the Company terminated its agency agreement and assumed ownership and control of that agents policy expirations written with the Company. The Company subsequently commenced legal proceedings against the agent corporation, its three principals (who personally guaranteed the agents obligations), and a fourth individual for the recovery of the balance due and any related recovery costs incurred. All related recovery costs have been expensed as incurred. The agent corporation and two of its principals filed bankruptcy. The corporation was adjudicated bankrupt. The Company obtained judgments, non-dischargeable in bankruptcy, for the full amount due from the two principals who filed bankruptcy. The other principal stipulated to a judgment of $1,200,000, and that person has not filed for bankruptcy. The claim against the fourth individual was resolved. The Company collected $0 during the three and six months ended June 30, 2015, and $0 and $75,000 during the three and six months ended June 30, 2014, respectively. As of June 30, 2015, and December 31, 2014, the agents balance due to Unifax was $1,181,272. As of June 30, 2015, and December 31, 2014, the Companys bad debt reserve associated with this matter was $1,181,272, which represents 100% of the balance due to Unifax. Although the receivable is fully reserved for financial reporting purposes at June 30, 2015, the Company continues to pursue collection of the judgments from the three principals.

Nature of Business Unico American Corporation is an insurance holding company that underwrites property and casualty insurance through its insurance company subsidiary; provides property, casualty, and health insurance through its agency subsidiaries; and provides insurance premium financing and membership association services through its other subsidiaries. Unico American Corporation is referred to herein as the "Company" or "Unico" and such references include both the corporation and its subsidiaries, all of which are wholly owned. Unico was incorporated under the laws of Nevada in 1969.

Basis of Presentation The accompanying unaudited consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles (GAAP) for interim financial information and the instructions to Form 10-Q and Rule 8-03 of Regulation S-X for smaller reporting companies. Accordingly, the financial statements do not include all of the information and footnotes required by GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring adjustments) considered necessary for a fair presentation have been included. Operating results for the three and six months ended June 30, 2015, are not necessarily indicative of the results that may be expected for the year ending December 31, 2015. Quarterly financial statements should be read in conjunction with the consolidated financial statements and related notes in the Companys 2014 Annual Report on Form 10-K as filed with the Securities and Exchange Commission.

Use of Estimates in the Preparation of the Financial Statements The preparation of financial statements in conformity with GAAP requires the Company to make estimates and assumptions that affect its reported amounts of assets and liabilities and its disclosure of any contingent assets and liabilities at the date of its financial statements, as well as its reported amounts of revenues and expenses during the reporting period. The most significant assumptions in the preparation of these consolidated financial statements relate to losses and loss adjustment expenses. While every effort is made to ensure the integrity of such estimates, actual results may differ.

Fair Value of Financial Instruments The Company employs a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The fair value of a financial instrument is the amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date (the exit price). Financial assets and financial liabilities recorded on the consolidated balance sheets at fair value are categorized based on the reliability of inputs to the valuation techniques. (See Note 8.)   The Company has used the following methods and assumptions in estimating its fair value disclosures:   <ul style="margin-top: 0in; list-style-type: disc"> <li style="text-align: justify; margin: 0; font: 10pt Arial, Helvetica, Sans-Serif">Fixed maturities:</li> </ul> <table cellpadding="0" cellspacing="0" style="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.5in"></td><td style="width: 0.25in">1.</td><td style="text-align: justify">Investment securities, excluding long-term certificates of deposit Fair values are obtained from a national quotation service.</td></tr></table>   <table cellpadding="0" cellspacing="0" style="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.5in"></td><td style="width: 0.25in">2.</td><td style="text-align: justify">Long-term certificates of deposit The carrying amounts reported in the consolidated balance sheets for these instruments approximate their fair values.</td></tr></table>   <ul style="margin-top: 0in; list-style-type: disc"> <li style="text-align: justify; margin: 0; font: 10pt Arial, Helvetica, Sans-Serif">Cash and short-term investments The carrying amounts reported in the consolidated balance sheets approximate their fair values given the short term nature of these instruments.</li> </ul>   <ul style="margin-top: 0in; list-style-type: disc"> <li style="text-align: justify; margin: 0; font: 10pt Arial, Helvetica, Sans-Serif">Receivables, net The carrying amounts reported in the consolidated balance sheets approximate their fair values given the short-term nature of these instruments.</li> </ul>   <ul style="margin-top: 0in; list-style-type: disc"> <li style="text-align: justify; margin: 0; font: 10pt Arial, Helvetica, Sans-Serif">Accrued expenses and other liabilities The carrying amounts reported in the consolidated balance sheets approximate the fair values given the short-term nature of these instruments.</li></ul>

Property and equipment consist of the following: <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 10pt Arial, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">June 30</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">December 31</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2015</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2014</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 61%; text-align: left; padding-left: 5.4pt">Building, furniture, fixtures, equipment and leasehold improvements located in Calabasas, California</td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">7,384,605</td><td style="width: 1%; text-align: left"> </td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">7,269,449</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">Furniture, fixtures, equipment and leasehold improvements located in Woodland Hills, California</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,634,931</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,633,536</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Accumulated depreciation and amortization</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(2,872,311</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(2,637,966</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Land located in Calabasas, California</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,787,485</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,787,485</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Computer software under development</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,681,170</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,457,802</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">        Property and equipment, net</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">10,615,880</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">10,510,306</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr></table>

Assets by segment are as follows: <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 10pt Arial, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="7" style="text-align: center; border-bottom: Black 1pt solid">As of</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td> </td> <td colspan="3" style="text-align: center">June 30</td><td> </td> <td colspan="3" style="text-align: center">December 31</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="text-align: center; border-bottom: Black 1pt solid">2015</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="text-align: center; border-bottom: Black 1pt solid">2014</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-decoration: underline; text-align: justify; padding-left: 5.4pt">Assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 56%; text-align: justify; padding-left: 5.4pt">Insurance company operation</td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">121,456,170</td><td style="width: 1%; text-align: left"> </td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">123,048,404</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt; padding-bottom: 1pt">Intersegment eliminations (2)</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">(634,205</td><td style="text-align: left; padding-bottom: 1pt">)</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">(1,657,750</td><td style="text-align: left; padding-bottom: 1pt">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt">     Total insurance company operation</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">120,821,965</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">121,390,654</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt; padding-bottom: 1pt">Other insurance operations</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">16,181,512</td><td style="text-align: left; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">14,624,915</td><td style="text-align: left; padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">     Total assets</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">137,003,477</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">136,015,569</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>     <table cellpadding="0" cellspacing="0" style="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"> <tr style="vertical-align: top"> <td style="width: 19.5pt">(2)</td> <td style="text-align: justify">Intersegment asset eliminations reflect the elimination of Crusader receivables from Unifax and Unifax payables to Crusader.</td> </tr> </table>

The following table presents information about the Companys consolidated financial instruments and their estimated fair values, which are measured on a recurring basis, and are allocated among the three levels within the fair value hierarchy as of June 30, 2015, and December 31, 2014:   <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 10pt Arial, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">Level 1</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">Level 2</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">Level 3</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">Total</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-decoration: underline; text-align: justify; padding-left: 5.4pt">June 30, 2015</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt">Financial instruments:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt">  Fixed maturity securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 40%; text-align: justify; padding-left: 5.4pt">    U.S. treasury securities</td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">29,141,305</td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">  </td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">  </td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">29,141,305</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 1pt; padding-left: 5.4pt">    Certificates of deposit</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">25,471,000</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">25,471,000</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt">       Total fixed maturity securities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">29,141,305</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">25,471,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">54,612,305</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 1pt; padding-left: 5.4pt">  Cash and short-term investments</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">51,978,085</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">51,978,085</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">       Total financial instruments at fair value</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">81,119,390</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">25,471,000</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">  </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">106,590,390</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-decoration: underline; text-align: justify; padding-left: 5.4pt">December 31, 2014</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt">Financial instruments:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt">  Fixed maturity securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt">    U.S. treasury securities</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">20,069,556</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">20,069,556</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-bottom: 1pt; padding-left: 5.4pt">    Certificates of deposit</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">15,089,000</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">15,089,000</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt">       Total fixed maturity securities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">20,069,556</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">15,089,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">35,158,556</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-bottom: 1pt; padding-left: 5.4pt">  Cash and short-term investments</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">72,568,570</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">72,568,570</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">       Total financial instruments at fair value</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">92,638,126</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">15,089,000</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">  </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">107,727,126</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr></table>

A summary of total investment income is as follows: <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 10pt Arial, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom"> <td style="text-align: justify; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="7" style="text-align: center; border-bottom: Black 1pt solid">Three Months Ended June 30</td><td style="padding-bottom: 1pt"> </td> <td colspan="7" style="text-align: center; border-bottom: Black 1pt solid">Six Months Ended June 30</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: justify; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="text-align: center; border-bottom: Black 1pt solid">    2015</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="text-align: center; border-bottom: Black 1pt solid">2014</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="text-align: center; border-bottom: Black 1pt solid">2015</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="text-align: center; border-bottom: Black 1pt solid">2014</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: justify"> </td><td> </td> <td colspan="3" style="text-align: right"> </td><td> </td> <td colspan="3" style="text-align: right"> </td><td> </td> <td colspan="3" style="text-align: right"> </td><td> </td> <td colspan="3" style="text-align: right"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 40%; text-align: justify; padding-left: 5.4pt">Fixed maturities</td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">85,229</td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">13,543</td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">157,165</td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">26,632</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt; padding-bottom: 1pt">Short-term investments</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">12,706</td><td style="text-align: left; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">16,554</td><td style="text-align: left; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">28,178</td><td style="text-align: left; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">34,809</td><td style="text-align: left; padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">     Total investment income</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">97,935</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">30,097</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">185,343</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">61,441</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>

The amortized cost and estimated fair values of investments in fixed maturities by category are as follows: <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 10pt Arial, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 5.4pt; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid"> Amortized Cost</td><td style="text-align: left; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">Gross Unrealized Gains</td><td style="text-align: left; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">Gross Unrealized Losses</td><td style="text-align: left; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">Estimated Fair Value</td><td style="text-align: left; padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-decoration: underline; padding-left: 5.4pt">June 30, 2015</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Available for sale:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 10pt">Fixed maturities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 40%; padding-left: 20pt">Certificates of deposit</td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">25,471,000</td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">  </td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">  </td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">25,471,000</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 20pt">U.S. treasury securities</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">29,066,023</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">79,324</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(4,042</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">29,141,305</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 30pt">Total fixed maturities</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">54,537,023</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">79,324</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">(4,042</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">54,612,305</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-decoration: underline; padding-left: 5.4pt">December 31, 2014</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">Available for sale:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 10pt">Fixed maturities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 20pt">Certificates of deposit</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">15,089,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">15,089,000</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 20pt">U.S. treasury securities</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">20,064,111</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">14,476</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(9,031</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">20,069,556</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 30pt">Total fixed maturities</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">35,153,111</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">14,476</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">(9,031</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">35,158,556</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>

A summary of the unrealized gains (losses) on investments carried at fair value and the applicable deferred federal income taxes are shown below: <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 10pt Arial, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">June 30</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">December 31</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2015</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2014</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 56%; text-align: justify; padding-left: 5.4pt">Gross unrealized gains of fixed maturities</td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">79,324</td><td style="width: 1%; text-align: left"> </td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">14,476</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt; padding-bottom: 1pt">Gross unrealized (losses) of fixed maturities</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">(4,042</td><td style="text-align: left; padding-bottom: 1pt">)</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">(9,031</td><td style="text-align: left; padding-bottom: 1pt">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt">Net unrealized gains on investments</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">75,282</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,445</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt; padding-bottom: 1pt">Deferred federal tax expense</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">(25,596</td><td style="text-align: left; padding-bottom: 1pt">)</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">(1,851</td><td style="text-align: left; padding-bottom: 1pt">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">  Net unrealized gains, net of deferred income taxes</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">49,686</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,594</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr></table>

Short-term investments have an initial maturity of one year or less and consist of the following: <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 10pt Arial, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">   June 30, 2015</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">December 31, 2014</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 56%; text-align: left; padding-left: 5.4pt">  U.S. treasury bills</td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">43,985,398</td><td style="width: 1%; text-align: left"> </td><td style="width: 6%"> </td> <td style="width: 2%; text-align: left">$</td><td style="width: 13%; text-align: right">69,968,988</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">  U.S. treasury money market fund</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,325,636</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,450,451</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">  Bank money market accounts</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,299,178</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">838,207</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt; padding-bottom: 1pt">  Bank savings accounts</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">1,762</td><td style="text-align: left; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">1,762</td><td style="text-align: left; padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">     Total short-term investments</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">51,611,974</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">72,259,408</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr></table> 46884 32403 Full amount due Full amount due 4 4 5338943

6484354

12872595

14292999

7327855

29891

61158

185176

97853

340321

595752

241095

168881

6854566 13529505 14719270 7594589   Revenues and ncome (loss) before income taxes by segment are as follows: <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 10pt Arial, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom"> <td style="text-align: justify"> </td><td> </td> <td colspan="7" style="text-align: center">Three Months Ended</td><td> </td> <td colspan="7" style="text-align: center">Six Months Ended</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: justify"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="7" style="border-bottom: Black 1pt solid; text-align: center">June 30</td><td style="padding-bottom: 1pt"> </td> <td colspan="7" style="text-align: center; border-bottom: Black 1pt solid">June 30</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: justify; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2015</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2014</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2015</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2014</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-decoration: underline; text-align: justify; padding-left: 0.05in">Revenues</td><td style="font-size: 12pt"> </td> <td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt; text-align: right"> </td><td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt"> </td> <td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt; text-align: right"> </td><td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt"> </td> <td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt; text-align: right"> </td><td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt"> </td> <td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt; text-align: right"> </td><td style="font-size: 12pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 40%; text-align: justify; padding-left: 0.05in">Insurance company operation </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">7,594,589</td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">6,854,566</td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">14,719,270</td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">13,529,505</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.05in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.05in">Other insurance operations</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,382,306</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,168,472</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,523,946</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,990,845</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.05in; padding-bottom: 1pt">Intersegment eliminations (1)</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">(2,663,204</td><td style="text-align: left; padding-bottom: 1pt">)</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">(2,401,270</td><td style="text-align: left; padding-bottom: 1pt">)</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">(5,097,326</td><td style="text-align: left; padding-bottom: 1pt">)</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">(4,458,471</td><td style="text-align: left; padding-bottom: 1pt">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.05in; padding-bottom: 1pt">   Total other insurance operations</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">719,102</td><td style="text-align: left; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">767,202</td><td style="text-align: left; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">1,426,620</td><td style="text-align: left; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">1,532,374</td><td style="text-align: left; padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.05in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.05in">   Total revenues</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">8,313,691</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">7,621,768</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">16,145,890</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">15,061,879</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 12pt; padding-left: 0.05in"> </td><td style="font-size: 12pt"> </td> <td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt; text-align: right"> </td><td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt"> </td> <td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt; text-align: right"> </td><td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt"> </td> <td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt; text-align: right"> </td><td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt"> </td> <td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt; text-align: right"> </td><td style="font-size: 12pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: normal; text-decoration: underline; text-align: left; padding-left: 0.05in">Income (Loss) Before Income Taxes</td><td style="font-size: 12pt"> </td> <td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt; text-align: right"> </td><td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt"> </td> <td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt; text-align: right"> </td><td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt"> </td> <td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt; text-align: right"> </td><td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt"> </td> <td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt; text-align: right"> </td><td style="font-size: 12pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 0.05in">Insurance company operation</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">254,512</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">731,578</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(2,068</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2,347,512</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 0.05in; padding-bottom: 1pt">Other insurance operations</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">(71,839</td><td style="text-align: left; padding-bottom: 1pt">)</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">(329,257</td><td style="text-align: left; padding-bottom: 1pt">)</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">(406,296</td><td style="text-align: left; padding-bottom: 1pt">)</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt"> </td><td style="text-align: right; border-bottom: Black 1pt solid">(1,038,854</td><td style="text-align: left; padding-bottom: 1pt">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 0.05in">   Total income (loss) before income taxes</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">182,673</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">402,321</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">(408,364</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,308,658</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>   <table cellpadding="0" cellspacing="0" style="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"> <tr style="vertical-align: top"> <td style="width: 19.5pt">(1)</td> <td style="text-align: left">Intersegment revenue eliminations reflect commissions paid by Crusader to Unifax Insurance Systems, Inc. (Unifax), a wholly owned subsidiary of Unico. </td> </tr> </table>

1457802

1681170

220465

23490

1083 22407

2204

500,000

233744

463591

88966

39109

749045

1483608

1393214

701995

206

283

167

15951

33371

30981

15208

2000

15112

2258

1817

7621768

15061879

16145890

8313691

3647765

6540115

9527423

4633516

1471068

2947800

3092713

1599883

1271221

2553149

2414113

1166206

54230

98069

89344

44756

775163

1614088

1430661

686657

7219447

13753221

16554254

8131018

402321

1308658

-408364

182673

132315

446869

-123960

70292

270006

861789

-284404

112381

.05

.16

-.05

.02

5341147

5340270

5339392

.05

.16

-.05

.02

5345082

5345280

5340270

5342944

The following table represents the reconciliation of the Company's basic earnings (loss) per share and diluted earnings (loss) per share computations reported on the consolidated statements of operations for the three and six months ended June 30, 2015 and 2014: <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 10pt Arial, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom"> <td style="text-align: justify"> </td><td> </td> <td colspan="7" style="text-align: center">Three Months Ended</td><td> </td> <td colspan="7" style="text-align: center">Six Months Ended</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: justify; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="7" style="text-align: center; border-bottom: Black 1pt solid">June 30</td><td style="padding-bottom: 1pt"> </td> <td colspan="7" style="border-bottom: Black 1pt solid; text-align: center">June 30</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: justify; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2015</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2014</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2015</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2014</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; border-bottom: Black 1pt solid">Basic Earnings (Loss) Per Share</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="text-align: right"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="text-align: right"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="3"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="3"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 40%; text-align: left; padding-bottom: 2.5pt; padding-left: 0.05in">Net income (loss)</td><td style="width: 3%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; padding-bottom: 2.5pt; text-align: left">$</td><td style="width: 10%; border-bottom: Black 2.5pt double; text-align: right">112,381</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 3%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; padding-bottom: 2.5pt; text-align: left">$</td><td style="width: 10%; border-bottom: Black 2.5pt double; text-align: right">270,006</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 3%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; padding-bottom: 2.5pt; text-align: left">$</td><td style="width: 10%; border-bottom: Black 2.5pt double; text-align: right">(284,404</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left">)</td><td style="width: 3%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; padding-bottom: 2.5pt; text-align: left">$</td><td style="width: 10%; border-bottom: Black 2.5pt double; text-align: right">861,789</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt; padding-left: 0.05in"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt; padding-left: 0.05in">Weighted average shares outstanding</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">5,339,392</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">5,341,147</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">5,340,270</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">5,341,147</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt; padding-left: 0.05in"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.05in">     Basic earnings (loss) per share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.02</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.05</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(0.05</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.16</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 12pt; padding-left: 0.05in"> </td><td style="font-size: 12pt"> </td> <td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt; text-align: right"> </td><td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt"> </td> <td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt; text-align: right"> </td><td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt"> </td> <td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt; text-align: right"> </td><td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt"> </td> <td style="font-size: 12pt; text-align: left"> </td><td style="font-size: 12pt; text-align: right"> </td><td style="font-size: 12pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: normal; text-decoration: underline; padding-left: 0.05in">Diluted Earnings (Loss) Per Share</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.05in">Net income (loss)</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">112,381</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">270,006</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">(284,404</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">861,789</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.05in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.05in">Weighted average shares outstanding</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,339,392</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,341,147</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,340,270</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,341,147</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.05in">Effect of dilutive securities</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,552</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,935</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">4,133</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt; padding-left: 0.05in">Diluted shares outstanding</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">5,342,944</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">5,345,082</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">5,340,270</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">5,345,280</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.05in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.05in">     Diluted earnings (loss) per share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.02</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.05</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(0.05</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.16</td><td style="text-align: left"> </td></tr></table> 25921651

3935

4133

3552

3168472 5990845 6523946 3382306 -2401270 -4458471 -5097326 -2663204 767202 1532374 1426620 719102 731578 2347512 -2068 254512 -329257 -1038854 -406296 -71839 13543 26632 157165 85229 16554 34809 28178 12706

30097

61441

185343

97935

Property and Equipment (Narrative)	3 Months Ended	6 Months Ended
Jun. 30, 2015 USD ($)	Jun. 30, 2014 USD ($)	Jun. 30, 2015 USD ($)	Jun. 30, 2014 USD ($)
Property And Equipment Narrative
Square footage of building	46,884		46,884
Building square footage leased	8,442		8,442
Building square footage available for lease	6,039		6,039
Square footage of expired lease	3240300.00%		3240300.00%
Depreciation and amortization	$ 116,894	$ 139,749	$ 234,345	$ 277,935
[custom:CalabasasBuildingOperatingExpensesIncludingDepreciation]	166,126	181,468	344,205	383,787
Office building revenue from leases	$ 39,109	$ 233,744	$ 88,966	$ 463,591

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Property and Equipment (Narrative)
3 Months Ended 6 Months Ended

Jun. 30, 2015

USD ($)

Jun. 30, 2014

USD ($)

Jun. 30, 2015

USD ($)

Jun. 30, 2014

USD ($)

Property And Equipment Narrative

Square footage of building 46,884 46,884

Building square footage leased 8,442 8,442

Building square footage available for lease 6,039 6,039

Square footage of expired lease 3240300.00% 3240300.00%

Depreciation and amortization $ 116,894 $ 139,749 $ 234,345 $ 277,935

[custom:CalabasasBuildingOperatingExpensesIncludingDepreciation] 166,126 181,468 344,205 383,787

Office building revenue from leases $ 39,109 $ 233,744 $ 88,966 $ 463,591

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Segment Reporting - Revenues (Details) - USD ($)
3 Months Ended 6 Months Ended

Jun. 30, 2015

Jun. 30, 2014

Jun. 30, 2015

Jun. 30, 2014

Revenues

Insurance company operation $ 7,594,589 $ 6,854,566 $ 14,719,270 $ 13,529,505

Revenues from other insurance operations 3,382,306 3,168,472 6,523,946 5,990,845

Intersegment revenue eliminations (2,663,204) (2,401,270) (5,097,326) (4,458,471)

Revenues from other insurance operations net of intersegment eliminations 719,102 767,202 1,426,620 1,532,374

Total revenues 8,313,691 7,621,768 16,145,890 15,061,879

Income Before Income Taxes

Income before taxes from insurance company operation 254,512 731,578 (2,068) 2,347,512

Income before taxes from other insurance operations (71,839) (329,257) (406,296) (1,038,854)

Income before income taxes $ 182,673 $ 402,321 $ (408,364) $ 1,308,658

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Earnings Per Share
6 Months Ended

Jun. 30, 2015

Notes to Financial Statements

Earnings Per Share

NOTE 3 – EARNINGS (LOSS) PER SHARE

The following table represents the reconciliation of the Company's basic earnings (loss) per share and diluted earnings (loss) per share computations reported on the consolidated statements of operations for the three and six months ended June 30, 2015 and 2014:

Three Months Ended Six Months Ended

 June 30 June 30

2015 2014 2015 2014

Basic Earnings (Loss) Per Share

Net income (loss) $ 112,381 $ 270,006 $ (284,404 ) $ 861,789

Weighted average shares outstanding 5,339,392 5,341,147 5,340,270 5,341,147

 Basic earnings (loss) per share $ 0.02 $ 0.05 $ (0.05 ) $ 0.16

Diluted Earnings (Loss) Per Share

Net income (loss) $ 112,381 $ 270,006 $ (284,404 ) $ 861,789

Weighted average shares outstanding 5,339,392 5,341,147 5,340,270 5,341,147

Effect of dilutive securities 3,552 3,935 — 4,133

Diluted shares outstanding 5,342,944 5,345,082 5,340,270 5,345,280

 Diluted earnings (loss) per share $ 0.02 $ 0.05 $ (0.05 ) $ 0.16

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Investments - Available for sale investments (Details) - USD ($)

Jun. 30, 2015

Dec. 31, 2014

Certificates of deposit

Amortized cost of fixed maturity investments by asset type $ 25,471,000 $ 15,089,000

Gross unrealized gains by asset type 0 0

Gross unrealized losses by asset type 0 0

Investments at fair value 25,471,000 15,089,000

U.S. treasury securities

Amortized cost of fixed maturity investments by asset type 29,066,023 20,064,111

Gross unrealized gains by asset type 79,324 14,476

Gross unrealized losses by asset type (4,042) (9,031)

Investments at fair value 29,141,305 20,069,556

Total fixed maturities

Amortized cost of fixed maturity investments by asset type 54,537,023 35,153,111

Gross unrealized gains by asset type 79,324 14,476

Gross unrealized losses by asset type (4,042) (9,031)

Investments at fair value $ 54,612,305 $ 35,158,556

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Jun. 30, 2014

Jun. 30, 2015

Jun. 30, 2014

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Dec. 31, 2014

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Deferred federal tax benefit (expense) (25,596) (1,851)

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Investments - Short term invesmtments (Details) - USD ($)

Jun. 30, 2015

Dec. 31, 2014

Notes to Financial Statements

U.S. treasury money market fund $ 6,325,636 $ 1,450,451

Short-term U.S. treasury bills 43,985,398 69,968,988

Bank money market accounts 1,299,178 838,207

Bank savings accounts 1,762 1,762

Total short-term investments $ 51,611,974 $ 72,259,408

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Jun. 30, 2015

Notes to Financial Statements

Repurchase of Common Stock - Effects on Stockholders' Equity

NOTE 2 – REPURCHASE OF COMMON STOCK – EFFECTS ON STOCKHOLDERS’ EQUITY

On December 19, 2008, the Board of Directors authorized a stock repurchase program to acquire from time to time up to an aggregate of 500,000 shares of the Company’s common stock. This program has no expiration date and may be terminated by the Board of Directors at any time. As of June 30, 2015, and December 31, 2014, the Company had remaining authority under the 2008 program to repurchase up to an aggregate of 220,465 and 222,669 shares of its common stock, respectively. The 2008 program is the only program under which there is authority to repurchase shares of the Company’s common stock. The Company repurchased 2,204 shares of stock during the three and six months ended June 30, 2015, in unsolicited transactions at a cost of $23,490 of which $1,083 was allocated to capital and $22,407 was allocated to retained earnings. The Company did not repurchase any stock during the three and six months ended June 30, 2014. The Company has or will retire all stock repurchased.

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Jun. 30, 2014

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Share repurchase allocated to retained earnings $ 22,407

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Consolidated Balance Sheets - USD ($)

Jun. 30, 2015

Dec. 31, 2014

Available for sale:

Fixed maturities, at fair value (amortized cost: June 30, 2015 $54,537,023; December 31, 2014 $35,153,111) $ 54,612,305 $ 35,158,556

Short-term investments, at fair value 51,611,974 72,259,408

Total Investments 106,224,279 107,417,964

Cash 366,111 309,162

Accrued investment income 58,787 42,895

Receivables, net 6,107,001 5,170,313

Reinsurance Recoverable:

Paid losses and loss adjustment expenses 341,741 201,007

Unpaid losses and loss adjustment expenses 5,484,733 5,162,775

Deferred policy acquisition costs 4,270,016 3,882,825

Property and equipment (net of accumulated depreciation) 10,615,880 10,510,306

Deferred income taxes 1,381,264 1,518,534

Other assets 2,153,665 1,799,788

Total Assets 137,003,477 136,015,569

LIABILITIES

Unpaid losses and loss adjustment expenses 44,231,712 44,396,558

Unearned premiums 18,323,842 16,607,179

Advance premium and premium deposits 383,498 250,421

Income taxes payable 0 0

Accrued expenses and other liabilities 2,539,580 2,986,317

Total Liabilities 65,478,632 64,240,475

STOCKHOLDERS' EQUITY

Common stock, no par, authorized 10,000,000 shares; issued and outstanding shares 5,338,943 at June 30, 2015 and 5,341,147 at December 31, 2014 3,742,297 3,731,828

Accumulated other comprehensive income 49,686 3,594

Retained earnings 67,732,862 68,039,672

Total Stockholders' Equity 71,524,845 71,775,094

Total Liabilities and Stockholders' Equity $ 137,003,477 $ 136,015,569

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Consolidated Statements of Cash Flows - USD ($)
6 Months Ended

Jun. 30, 2015

Jun. 30, 2014

Cash Flows from Operating Activities:

Net Income $ (284,404) $ 861,789

Adjustments to reconcile net income to net cash from operations

Depreciation and amortization 234,345 277,935

Bond amortization, net (9,054) (1,195)

Non-cash stock based compensation 11,552 11,552

Net receivables and accrued investment income (952,580) (805,905)

Reinsurance recoverable (462,692) (124,690)

Deferred policy acquisition costs (387,191) (161,724)

Other assets (111,974) 295,879

Unpaid losses and loss adjustment expenses (164,846) 270,451

Unearned premium 1,716,663 886,701

Advance premium and premium deposits 133,077 (6,372)

Accrued expenses and other liabilities (446,737) 31,748

Income taxes current/deferred (128,377) (82,388)

Net Cash Provided (Used) by Operating Activities (852,218) 1,453,781

Investing Activities

Purchase of fixed maturity investments (21,323,858) (100,000)

Proceeds from maturity of fixed maturity investments 1,949,000 400,000

Net decrease (increase) in short-term investments 20,647,434 (1,712,301)

Additions to property and equipment (339,919) (313,806)

Net Cash Provided (Used) by Investing Activities 932,657 (1,726,107)

Financing Activities

Repurchase of common stock (23,490) 0

Net Cash Provided (Used) by Financing Activities (23,490) 0

Net increase (decrease) in cash 56,949 (272,326)

Cash at beginning of period 309,162 376,388

Cash at End of Period 366,111 104,062

Cash paid during the period for:

Interest 0 0

Income taxes $ 8,900 $ 533,800

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Investments (Details Narrative)

Jun. 30, 2015

USD ($)

Dec. 31, 2014

USD ($)

Notes to Financial Statements

Brokered certificates of deposit $ 24,871,000 $ 14,489,000

Statutory deposit of certificates of deposit $ 600,000 $ 600,000

Number of banks used to purchase statutory deposits 4 4

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Investments (Tables)
6 Months Ended

Jun. 30, 2015

Investments Tables

Investment Income

A summary of total investment income is as follows:

Three Months Ended

June 30

Six Months Ended

June 30

 2015 2014 2015 2014

Fixed maturities $ 85,229 $ 13,543 $ 157,165 $ 26,632

Short-term investments 12,706 16,554 28,178 34,809

 Total investment income $ 97,935 $ 30,097 $ 185,343 $ 61,441

Available for sale investments

The amortized cost and estimated fair values of investments in fixed maturities by category are as follows:

Amortized

Cost

Gross

Unrealized

Gains

Gross

Unrealized Losses

Estimated

Fair

Value

June 30, 2015

Available for sale:

Fixed maturities:

Certificates of deposit $ 25,471,000 $ — $ — $ 25,471,000

U.S. treasury securities 29,066,023 79,324 (4,042 ) 29,141,305

Total fixed maturities $ 54,537,023 $ 79,324 $ (4,042 ) $ 54,612,305

December 31, 2014

Available for sale:

Fixed maturities:

Certificates of deposit $ 15,089,000 $ — $ — $ 15,089,000

U.S. treasury securities 20,064,111 14,476 (9,031 ) 20,069,556

Total fixed maturities $ 35,153,111 $ 14,476 $ (9,031 ) $ 35,158,556

Unrealized appreciation (depreciation) on investments

A summary of the unrealized gains (losses) on investments carried at fair value and the applicable deferred federal income taxes are shown below:

June 30 December 31

2015 2014

Gross unrealized gains of fixed maturities $ 79,324 $ 14,476

Gross unrealized (losses) of fixed maturities (4,042 ) (9,031 )

Net unrealized gains on investments 75,282 5,445

Deferred federal tax expense (25,596 ) (1,851 )

 Net unrealized gains, net of deferred income taxes $ 49,686 $ 3,594

Investment in short term assets

Short-term investments have an initial maturity of one year or less and consist of the following:

 June 30, 2015 December 31, 2014

 U.S. treasury bills $ 43,985,398 $ 69,968,988

 U.S. treasury money market fund 6,325,636 1,450,451

 Bank money market accounts 1,299,178 838,207

 Bank savings accounts 1,762 1,762

 Total short-term investments $ 51,611,974 $ 72,259,408

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Contingencies (Details Narrative) - USD ($)
3 Months Ended 6 Months Ended

Jun. 30, 2015

Jun. 30, 2014

Jun. 30, 2015

Jun. 30, 2014

Dec. 31, 2014

Notes to Financial Statements

Agent balance receivable $ 1,181,272 $ 1,181,272 $ 1,181,272

Agent balance bad debt reserve $ 1,181,272 $ 1,181,272 $ 1,181,272

Agent balance bad debt reserve allowance percentage 10000.00% 10000.00% 10000.00%

Agent balance collected $ 0 $ 0 $ 0 $ 75,000

Stipulated judgement from one principal $ 1,200,000 $ 1,200,000 $ 1,200,000

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Property and Equipment (Details) - USD ($)

Jun. 30, 2015

Dec. 31, 2014

Property And Equipment Details

Land located in Calabasas California $ 1,787,485 $ 1,787,485

Building, furniture, fixtures, equipment and leasehold improvements located in Calabasas, California 7,384,605 7,269,449

Furniture, fixtures, equipment and leasehold improvements located in Woodland Hills, California 2,634,931 2,633,536

Computer software under development 1,681,170 1,457,802

Accumulated depreciation and amortization 2,872,311 2,637,966

Net property and equipment $ 10,615,880 $ 10,510,306

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Summary of Significant Accounting Policies
6 Months Ended

Jun. 30, 2015

Notes to Financial Statements

Summary of Significant Accounting Policies

NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Nature of Business

Unico American Corporation is an insurance holding company that underwrites property and casualty insurance through its insurance company subsidiary; provides property, casualty, and health insurance through its agency subsidiaries; and provides insurance premium financing and membership association services through its other subsidiaries. Unico American Corporation is referred to herein as the "Company" or "Unico" and such references include both the corporation and its subsidiaries, all of which are wholly owned. Unico was incorporated under the laws of Nevada in 1969.

Principles of Consolidation

The accompanying consolidated financial statements include the accounts of Unico American Corporation and its subsidiaries. All significant intercompany accounts and transactions have been eliminated in consolidation.

Basis of Presentation

The accompanying unaudited consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles (GAAP) for interim financial information and the instructions to Form 10-Q and Rule 8-03 of Regulation S-X for smaller reporting companies. Accordingly, the financial statements do not include all of the information and footnotes required by GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring adjustments) considered necessary for a fair presentation have been included. Operating results for the three and six months ended June 30, 2015, are not necessarily indicative of the results that may be expected for the year ending December 31, 2015. Quarterly financial statements should be read in conjunction with the consolidated financial statements and related notes in the Company’s 2014 Annual Report on Form 10-K as filed with the Securities and Exchange Commission.

Use of Estimates in the Preparation of the Financial Statements

The preparation of financial statements in conformity with GAAP requires the Company to make estimates and assumptions that affect its reported amounts of assets and liabilities and its disclosure of any contingent assets and liabilities at the date of its financial statements, as well as its reported amounts of revenues and expenses during the reporting period. The most significant assumptions in the preparation of these consolidated financial statements relate to losses and loss adjustment expenses. While every effort is made to ensure the integrity of such estimates, actual results may differ.

Fair Value of Financial Instruments

The Company employs a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The fair value of a financial instrument is the amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date (the exit price). Financial assets and financial liabilities recorded on the consolidated balance sheets at fair value are categorized based on the reliability of inputs to the valuation techniques. (See Note 8.)

The Company has used the following methods and assumptions in estimating its fair value disclosures:

Fixed maturities:

1. Investment securities, excluding long-term certificates of deposit – Fair values are obtained from a national quotation service.

2. Long-term certificates of deposit – The carrying amounts reported in the consolidated balance sheets for these instruments approximate their fair values.

Cash and short-term investments – The carrying amounts reported in the consolidated balance sheets approximate their fair values given the short term nature of these instruments.

Receivables, net – The carrying amounts reported in the consolidated balance sheets approximate their fair values given the short-term nature of these instruments.

Accrued expenses and other liabilities – The carrying amounts reported in the consolidated balance sheets approximate the fair values given the short-term nature of these instruments.

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Consolidated Balance Sheets (Parenthetical) - USD ($)

Jun. 30, 2015

Dec. 31, 2014

Consolidated Balance Sheets Parenthetical

Fixed maturity investments at amortized cost $ 54,537,023 $ 35,153,111

Common stock, shares authorized 10,000,000 10,000,000

Common stock, shares issued 5,338,943 5,341,147

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Summary of Significant Accounting Policies (Policies)
6 Months Ended

Jun. 30, 2015

Notes to Financial Statements

NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Nature of Business

Unico American Corporation is an insurance holding company that underwrites property and casualty insurance through its insurance company subsidiary; provides property, casualty, and health insurance through its agency subsidiaries; and provides insurance premium financing and membership association services through its other subsidiaries. Unico American Corporation is referred to herein as the "Company" or "Unico" and such references include both the corporation and its subsidiaries, all of which are wholly owned. Unico was incorporated under the laws of Nevada in 1969.

Principles of Consolidation

The accompanying consolidated financial statements include the accounts of Unico American Corporation and its subsidiaries. All significant intercompany accounts and transactions have been eliminated in consolidation.

Basis of Presentation

The accompanying unaudited consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles (GAAP) for interim financial information and the instructions to Form 10-Q and Rule 8-03 of Regulation S-X for smaller reporting companies. Accordingly, the financial statements do not include all of the information and footnotes required by GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring adjustments) considered necessary for a fair presentation have been included. Operating results for the three and six months ended June 30, 2015, are not necessarily indicative of the results that may be expected for the year ending December 31, 2015. Quarterly financial statements should be read in conjunction with the consolidated financial statements and related notes in the Company’s 2014 Annual Report on Form 10-K as filed with the Securities and Exchange Commission.

Use of Estimates in the Preparation of the Financial Statements

The preparation of financial statements in conformity with GAAP requires the Company to make estimates and assumptions that affect its reported amounts of assets and liabilities and its disclosure of any contingent assets and liabilities at the date of its financial statements, as well as its reported amounts of revenues and expenses during the reporting period. The most significant assumptions in the preparation of these consolidated financial statements relate to losses and loss adjustment expenses. While every effort is made to ensure the integrity of such estimates, actual results may differ.

Fair Value of Financial Instruments

The Company employs a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The fair value of a financial instrument is the amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date (the exit price). Financial assets and financial liabilities recorded on the consolidated balance sheets at fair value are categorized based on the reliability of inputs to the valuation techniques. (See Note 8.)

The Company has used the following methods and assumptions in estimating its fair value disclosures:

Fixed maturities:

1. Investment securities, excluding long-term certificates of deposit – Fair values are obtained from a national quotation service.

2. Long-term certificates of deposit – The carrying amounts reported in the consolidated balance sheets for these instruments approximate their fair values.

Cash and short-term investments – The carrying amounts reported in the consolidated balance sheets approximate their fair values given the short term nature of these instruments.

Receivables, net – The carrying amounts reported in the consolidated balance sheets approximate their fair values given the short-term nature of these instruments.

Accrued expenses and other liabilities – The carrying amounts reported in the consolidated balance sheets approximate the fair values given the short-term nature of these instruments.

Nature of Business

Nature of Business

Unico American Corporation is an insurance holding company that underwrites property and casualty insurance through its insurance company subsidiary; provides property, casualty, and health insurance through its agency subsidiaries; and provides insurance premium financing and membership association services through its other subsidiaries. Unico American Corporation is referred to herein as the "Company" or "Unico" and such references include both the corporation and its subsidiaries, all of which are wholly owned. Unico was incorporated under the laws of Nevada in 1969.

Principles of Consolidation

Principles of Consolidation

The accompanying consolidated financial statements include the accounts of Unico American Corporation and its subsidiaries. All significant intercompany accounts and transactions have been eliminated in consolidation.

Basis of Presentation

Basis of Presentation

The accompanying unaudited consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles (GAAP) for interim financial information and the instructions to Form 10-Q and Rule 8-03 of Regulation S-X for smaller reporting companies. Accordingly, the financial statements do not include all of the information and footnotes required by GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring adjustments) considered necessary for a fair presentation have been included. Operating results for the three and six months ended June 30, 2015, are not necessarily indicative of the results that may be expected for the year ending December 31, 2015. Quarterly financial statements should be read in conjunction with the consolidated financial statements and related notes in the Company’s 2014 Annual Report on Form 10-K as filed with the Securities and Exchange Commission.

Use of Estimtes in the Preparation of the Financial Statements

Use of Estimates in the Preparation of the Financial Statements

The preparation of financial statements in conformity with GAAP requires the Company to make estimates and assumptions that affect its reported amounts of assets and liabilities and its disclosure of any contingent assets and liabilities at the date of its financial statements, as well as its reported amounts of revenues and expenses during the reporting period. The most significant assumptions in the preparation of these consolidated financial statements relate to losses and loss adjustment expenses. While every effort is made to ensure the integrity of such estimates, actual results may differ.

Fair Value of Financial Instruments

Fair Value of Financial Instruments

The Company employs a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The fair value of a financial instrument is the amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date (the exit price). Financial assets and financial liabilities recorded on the consolidated balance sheets at fair value are categorized based on the reliability of inputs to the valuation techniques. (See Note 8.)

The Company has used the following methods and assumptions in estimating its fair value disclosures:

Fixed maturities:

1. Investment securities, excluding long-term certificates of deposit – Fair values are obtained from a national quotation service.

2. Long-term certificates of deposit – The carrying amounts reported in the consolidated balance sheets for these instruments approximate their fair values.

Cash and short-term investments – The carrying amounts reported in the consolidated balance sheets approximate their fair values given the short term nature of these instruments.

Receivables, net – The carrying amounts reported in the consolidated balance sheets approximate their fair values given the short-term nature of these instruments.

Accrued expenses and other liabilities – The carrying amounts reported in the consolidated balance sheets approximate the fair values given the short-term nature of these instruments.

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Document and Entity Information - USD ($)
6 Months Ended

Jun. 30, 2015

Aug. 13, 2015

Document And Entity Information

Entity Registrant Name Unico American Corporation

Entity Central Index Key 0000100716

Document Type 10-Q

Document Period End Date Jun. 30, 2015

Amendment Flag false

Current Fiscal Year End Date --12-31

Is Entity a Well-known Seasoned Issuer? No

Is Entity a Voluntary Filer? No

Is Entity's Reporting Status Current? Yes

Entity Filer Category Smaller Reporting Company

Entity Public Float $ 25,921,651

Entity Common Stock, Shares Outstanding 5,338,943

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Document Fiscal Year Focus 2015

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Earnings Per Share (Tables)
6 Months Ended

Jun. 30, 2015

Earnings Per Share Tables

Basic and diluted earnings per share calculation data

The following table represents the reconciliation of the Company's basic earnings (loss) per share and diluted earnings (loss) per share computations reported on the consolidated statements of operations for the three and six months ended June 30, 2015 and 2014:

Three Months Ended Six Months Ended

June 30 June 30

2015 2014 2015 2014

Basic Earnings (Loss) Per Share

Net income (loss) $ 112,381 $ 270,006 $ (284,404 ) $ 861,789

Weighted average shares outstanding 5,339,392 5,341,147 5,340,270 5,341,147

 Basic earnings (loss) per share $ 0.02 $ 0.05 $ (0.05 ) $ 0.16

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Effect of dilutive securities 3,552 3,935 — 4,133

Diluted shares outstanding 5,342,944 5,345,082 5,340,270 5,345,280

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XML 35 R4.htm IDEA: XBRL DOCUMENT v3.2.0.727

Consolidated Statements of Operations - USD ($)
3 Months Ended 6 Months Ended

Jun. 30, 2015

Jun. 30, 2014

Jun. 30, 2015

Jun. 30, 2014

REVENUES

Net premium earned $ 7,327,855 $ 6,484,354 $ 14,292,999 $ 12,872,595

Investment income 97,853 29,891 185,176 61,158

Other income 168,881 340,321 241,095 595,752

Total Insurance Company Revenues 7,594,589 6,854,566 14,719,270 13,529,505

Gross commissions and fees 701,995 749,045 1,393,214 1,483,608

Investment income 82 206 167 283

Finance fees earned 15,208 15,951 30,981 33,371

Other income 1,817 2,000 2,258 15,112

Total Revenues 8,313,691 7,621,768 16,145,890 15,061,879

EXPENSES

Losses and loss adjustment expenses 4,633,516 3,647,765 9,527,423 6,540,115

Policy acquisition costs 1,599,883 1,471,068 3,092,713 2,947,800

Salaries and employee benefits 1,166,206 1,271,221 2,414,113 2,553,149

Commissions to agents/brokers 44,756 54,230 89,344 98,069

Other operating expenses 686,657 775,163 1,430,661 1,614,088

Total Expenses 8,131,018 7,219,447 16,554,254 13,753,221

Income before income taxes 182,673 402,321 (408,364) 1,308,658

Income Tax Expense 70,292 132,315 (123,960) 446,869

Net Income $ 112,381 $ 270,006 $ (284,404) $ 861,789

Basic

Earnings per share $ .02 $ .05 $ (.05) $ .16

Weighted average shares 5,339,392 5,341,147 5,340,270 5,341,147

Diluted

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Weighted average shares 5,342,944 5,345,082 5,340,270 5,345,280

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Property and Equipment (Net of Accumulated Depreciation)
6 Months Ended

Jun. 30, 2015

Notes to Financial Statements

Property and Equipmentr (Net of Accumulated Depreciation)

NOTE 6 – PROPERTY AND EQUIPMENT, NET

Property and equipment consist of the following:

June 30 December 31

2015 2014

Building, furniture, fixtures, equipment and leasehold improvements located in Calabasas, California $ 7,384,605 $ 7,269,449

Furniture, fixtures, equipment and leasehold improvements located in Woodland Hills, California 2,634,931 2,633,536

Accumulated depreciation and amortization (2,872,311 ) (2,637,966 )

Land located in Calabasas, California 1,787,485 1,787,485

Computer software under development 1,681,170 1,457,802

 Property and equipment, net $ 10,615,880 $ 10,510,306

Depreciation on the Calabasas building is computed using the straight line method over 39 years. Depreciation on furniture, fixtures and equipment in the Calabasas building is computed using the straight line method over 3 to 15 years. Amortization of leasehold improvements in the Calabasas building is being computed using the shorter of the useful life of the leasehold improvements or the remaining years of the lease.

Depreciation on furniture, fixtures and equipment located in Woodland Hills is computed using the straight line method over 3 to 7 years. Amortization of leasehold improvements on property located in Woodland Hills is computed using the shorter of the useful life of the leasehold improvements or the remaining years of the lease.

Depreciation and amortization expense on all property and equipment for the three and six months ended June 30, 2015, was $116,894 and $234,345, respectively, and for the three and six months ended June 30, 2014, was $139,749 and $277,935, respectively.

The Calabasas building has generated rental revenues in the amount of $39,109 and $88,966 for the three and six months ended June 30, 2015, respectively, and $233,744 and $463,591 for the three and six months ended June 30, 2014, respectively. The Calabasas building has incurred operating expenses, which included depreciation, in the amount of $166,126 and $344,205 for the three and six months ended June 30, 2015, respectively, and $181,468 and $383,787 for the three and six months ended June 30, 2014, respectively. These amounts are included in other income from insurance company operation and other operating expenses, respectively, in the Company’s consolidated statements of operations.

On September 7, 2014, a lease from a single tenant occupying approximately 32,403 square feet of the Calabasas building ended, and the tenant has vacated the premises. The Company intends to occupy most of this recently vacated space as its new home office and is currently in the process of planning and implementing the steps necessary to modify the space to fit its operational needs with a targeted move in date by the end of third quarter of 2015. The Company’s current home office located in Woodland Hills, California, will be vacated, and the month-to-month lease for this office will be terminated upon the completion of the move to the Calabasas building.

The total square footage of the Calabasas building is 46,884, including common areas. As of June 30, 2015, 8,442 square feet of the Calabasas building was leased to non-affiliated entities, and 6,039 square feet was vacant and available to be leased to non-affiliated entities.

The Company capitalizes certain computer software costs purchased from outside vendors for internal use. These costs also include configuration and customization activities, coding, testing and installation. Training costs and maintenance are expensed as incurred, while upgrade and enhancements are capitalized if it is probable that such expenditure will result in additional functionality. The capitalized costs will not be depreciated until the software is placed into production.

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Accounting For Income Taxes
6 Months Ended

Jun. 30, 2015

Notes to Financial Statements

Accounting For Income Taxes

NOTE 5 – ACCOUNTING FOR INCOME TAXES

The Company and its wholly owned subsidiaries file consolidated federal and state income tax returns. Pursuant to the tax allocation agreement, Crusader Insurance Company (Crusader) and American Acceptance Corporation (AAC) are allocated taxes or tax credits, in the case of losses, at current corporate rates based on their own taxable income or loss. The Company files income tax returns under U.S. federal and various state jurisdictions. The Company is subject to examination by U.S. federal income tax authorities for tax returns filed starting at taxable year 2011 and California state income tax authorities for tax returns filed starting at taxable year 2010. There are no ongoing examinations of income tax returns by federal or state tax authorities.

As of June 30, 2015, and December 31, 2014, the Company had no unrecognized tax benefits or liabilities. In addition, the Company had not accrued interest and penalties related to unrecognized tax benefits or liabilities. However, if interest and penalties would need to be accrued related to unrecognized tax benefits or liabilities, such amounts would be recognized as a component of federal income tax expense.

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Earnings Per Share (Details) - USD ($)
3 Months Ended 6 Months Ended

Jun. 30, 2015

Jun. 30, 2014

Jun. 30, 2015

Jun. 30, 2014

Notes to Financial Statements

Earnings per share - diluted $ .02 $ .05 $ (.05) $ .16

Earnings per share - basic $ .02 $ .05 $ (.05) $ .16

Net income $ 112,381 $ 270,006 $ (284,404) $ 861,789

Effect of common share equivalents 3,552 3,935 0 4,133

Weighted average shares outstanding - diluted 5,342,944 5,345,082 5,340,270 5,345,280

Weighted average shares outstanding - basic 5,339,392 5,341,147 5,340,270 5,341,147

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Investments
6 Months Ended

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Investments

NOTE 9 – INVESTMENTS

A summary of total investment income is as follows:

Three Months Ended

June 30

Six Months Ended

June 30

 2015 2014 2015 2014

Fixed maturities $ 85,229 $ 13,543 $ 157,165 $ 26,632

Short-term investments 12,706 16,554 28,178 34,809

 Total investment income $ 97,935 $ 30,097 $ 185,343 $ 61,441

The amortized cost and estimated fair values of investments in fixed maturities by category are as follows:

Amortized

Cost

Gross

Unrealized

Gains

Gross

Unrealized Losses

Estimated

Fair

Value

June 30, 2015

Available for sale:

Fixed maturities:

Certificates of deposit $ 25,471,000 $ — $ — $ 25,471,000

U.S. treasury securities 29,066,023 79,324 (4,042 ) 29,141,305

Total fixed maturities $ 54,537,023 $ 79,324 $ (4,042 ) $ 54,612,305

December 31, 2014

Available for sale:

Fixed maturities:

Certificates of deposit $ 15,089,000 $ — $ — $ 15,089,000

U.S. treasury securities 20,064,111 14,476 (9,031 ) 20,069,556

Total fixed maturities $ 35,153,111 $ 14,476 $ (9,031 ) $ 35,158,556

A summary of the unrealized gains (losses) on investments carried at fair value and the applicable deferred federal income taxes are shown below:

June 30 December 31

2015 2014

Gross unrealized gains of fixed maturities $ 79,324 $ 14,476

Gross unrealized (losses) of fixed maturities (4,042 ) (9,031 )

Net unrealized gains on investments 75,282 5,445

Deferred federal tax expense (25,596 ) (1,851 )

 Net unrealized gains, net of deferred income taxes $ 49,686 $ 3,594

At June 30, 2015, and December 31, 2014, the Company had one U.S. treasury security in an unrealized loss position for a continuous period of less than twelve months and one U.S. treasury security in an unrealized loss position for a continuous period of more than twelve months.

The Company closely monitors its investments. If an unrealized loss is determined to be other-than-temporary, it is written off as a realized loss through the consolidated statements of operations. The Company’s methodology of assessing other-than-temporary impairments is based on security-specific analysis as of the balance sheet date and considers various factors including the length of time to maturity and the extent to which the fair value has been less than the cost, the financial condition and the near-term prospects of the issuer, and whether the debtor is current on its contractually obligated interest and principal payments. The unrealized losses on the U.S. treasury securities in unrealized loss positions as of June 30, 2015, and December 31, 2014, were determined to be temporary.

The Company does not have the intent to sell its fixed maturity investments and has the ability to hold its fixed maturity investments to their maturity. It is not likely that the Company would be required to sell any of its fixed maturity investments prior to recovery of its amortized costs. The Company did not sell any fixed maturity investments during the three and six months ended June 30, 2015 and 2014; therefore, there were no realized investment gains or losses in the corresponding periods. The unrealized gains or losses from fixed maturities are reported as “Accumulated other comprehensive income,” which is a separate component of stockholders’ equity, net of any deferred tax effect.

The Company’s investment in certificates of deposit (CDs) included $24,871,000 and $14,489,000 of brokered CDs as of June 30, 2015, and December 31, 2014, respectively. Brokered CDs provide the safety and security of a CD combined with the convenience gained by one-stop shopping for rates at various institutions. This allows the Company to spread its investments across multiple institutions so that all of its CD investments are insured by the Federal Deposit Insurance Corporation (FDIC). Brokered CDs are purchased through UnionBanc Investment Services, LLC, a registered broker-dealer, investment advisor, member of FINRA/SIPC, and a subsidiary of Union Bank, N.A. Brokered CDs are a direct obligation of the issuing depository institution, are bank products of the issuing depository institution, are held in the name of Union Bank as Custodian for the benefit of the Company, and are FDIC insured within permissible limits. As of June 30, 2015, and December 31, 2014, the Company’s remaining CDs totaling $600,000 are from four different banks and represent statutory deposits that are assigned to and are held by the California State Treasurer and the Insurance Commissioner of the State of Nevada. These deposits are required for writing certain lines of business in California and for admission in the state of Nevada. All the Company’s brokered and non-brokered CDs are within the FDIC insured permissible limits.

Short-term investments have an initial maturity of one year or less and consist of the following:

 June 30, 2015 December 31, 2014

 U.S. treasury bills $ 43,985,398 $ 69,968,988

 U.S. treasury money market fund 6,325,636 1,450,451

 Bank money market accounts 1,299,178 838,207

 Bank savings accounts 1,762 1,762

 Total short-term investments $ 51,611,974 $ 72,259,408

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Segment Reporting
6 Months Ended

Jun. 30, 2015

Notes to Financial Statements

Segment Reporting

NOTE 7 – SEGMENT REPORTING

ASC Topic 280, “Segment Reporting,” establishes standards for the way information about operating segments is reported in financial statements. The Company has identified its insurance company operation as its primary reporting segment. Revenues from this segment comprised 91% of total revenues for the three and six months ended June 30, 2015, compared to 90% of total revenues for the three and six months ended June 30, 2014. The Company’s remaining operations constitute a variety of specialty insurance services, each with unique characteristics and individually insignificant to total revenues.

Revenues, income (loss) before income taxes, and assets by segment are as follows:

Three Months Ended Six Months Ended

 June 30 June 30

2015 2014 2015 2014

Revenues

Insurance company operation $ 7,594,589 $ 6,854,566 $ 14,719,270 $ 13,529,505

Other insurance operations 3,382,306 3,168,472 6,523,946 5,990,845

Intersegment eliminations (1) (2,663,204 ) (2,401,270 ) (5,097,326 ) (4,458,471 )

 Total other insurance operations 719,102 767,202 1,426,620 1,532,374

 Total revenues $ 8,313,691 $ 7,621,768 $ 16,145,890 $ 15,061,879

Income (Loss) Before Income Taxes

Insurance company operation $ 254,512 $ 731,578 $ (2,068 ) $ 2,347,512

Other insurance operations (71,839 ) (329,257 ) (406,296 ) (1,038,854 )

 Total income (loss) before income taxes $ 182,673 $ 402,321 $ (408,364 ) $ 1,308,658

As of

June 30 December 31

2015 2014

Assets

Insurance company operation $ 121,456,170 $ 123,048,404

Intersegment eliminations (2) (634,205 ) (1,657,750 )

 Total insurance company operation 120,821,965 121,390,654

Other insurance operations 16,181,512 14,624,915

 Total assets $ 137,003,477 $ 136,015,569

(1) Intersegment revenue eliminations reflect commissions paid by Crusader to Unifax Insurance Systems, Inc. (Unifax), a wholly owned subsidiary of Unico.

(2) Intersegment asset eliminations reflect the elimination of Crusader receivables from Unifax and Unifax payables to Crusader.

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The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.
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Fair Value of Financial Instruments
6 Months Ended

Jun. 30, 2015

Notes to Financial Statements

Fair Value of Financial Instruments

NOTE 8 – FAIR VALUE OF FINANCIAL INSTRUMENTS

In determining the fair value of its financial instruments, the Company employs a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The fair value of a financial instrument is the amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date (the exit price). Financial assets and financial liabilities recorded on the consolidated balance sheets at fair value are categorized based on the reliability of inputs to the valuation techniques as follows:

Level 1 – Financial assets and financial liabilities whose values are based on unadjusted quoted prices in active markets for identical assets or liabilities as of the reporting date.

Level 2 – Financial assets and financial liabilities whose values are based on quoted prices for similar assets or liabilities in active markets; quoted prices for identical or similar assets or liabilities in non-active markets; or valuation models whose inputs are observable, directly or indirectly, for substantially the full term of the asset or liability as of the reporting date.

Level 3 – Financial assets and financial liabilities whose values are based on prices or valuation techniques that require inputs that are both unobservable and significant to the overall fair value measurement. These inputs reflect the Company’s estimates of the assumptions that market participants would use in valuing the financial assets and financial liabilities as of the reporting date.

The hierarchy gives the highest priority to Level 1 inputs and the lowest priority to Level 3 inputs. In certain cases, the inputs used to measure fair value may fall into different levels of the fair value hierarchy. In such cases, the level in the fair value hierarchy within which the fair value measurement in its entirety falls has been determined based on the lowest level input that is significant to the fair value measurement in its entirety. Thus, a Level 3 fair value measurement may include inputs that are observable (Level 1 or Level 2) or unobservable (Level 3). The Company’s assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment and considers factors specific to the asset or liability.

The following table presents information about the Company’s consolidated financial instruments and their estimated fair values, which are measured on a recurring basis, and are allocated among the three levels within the fair value hierarchy as of June 30, 2015, and December 31, 2014:

Level 1 Level 2 Level 3 Total

June 30, 2015

Financial instruments:

 Fixed maturity securities:

 U.S. treasury securities $ 29,141,305 $ — $ — $ 29,141,305

 Certificates of deposit — 25,471,000 — 25,471,000

 Total fixed maturity securities 29,141,305 25,471,000 — 54,612,305

 Cash and short-term investments 51,978,085 — — 51,978,085

 Total financial instruments at fair value $ 81,119,390 $ 25,471,000 $ — $ 106,590,390

December 31, 2014

Financial instruments:

 Fixed maturity securities:

 U.S. treasury securities $ 20,069,556 $ — $ — $ 20,069,556

 Certificates of deposit — 15,089,000 — 15,089,000

 Total fixed maturity securities 20,069,556 15,089,000 — 35,158,556

 Cash and short-term investments 72,568,570 — — 72,568,570

 Total financial instruments at fair value $ 92,638,126 $ 15,089,000 $ — $ 107,727,126

Fair value measurements are not adjusted for transaction costs. The Company recognizes transfers between levels at either the actual date of the event or a change in circumstances that caused the transfer. The Company did not have any transfers between Levels 1, 2 and 3 of the fair value hierarchy during the three and six months ended June 30, 2015 and 2014.

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Contingencies
6 Months Ended

Jun. 30, 2015

Notes to Financial Statements

Contingencies

NOTE 10 – CONTINGENCIES

The Company, by virtue of the nature of the business conducted by it, becomes involved in numerous legal proceedings as either plaintiff or defendant. The Company is also required to resort to legal proceedings from time to time in order to enforce collection of premiums, commissions, or fees for the services rendered to customers or to their agents. These routine items of litigation do not materially affect the Company and are handled on a routine basis by the Company through its counsel.

The Company establishes reserves for lawsuits, regulatory actions, and other contingencies for which the Company is able to estimate its potential exposure and believes a loss is probable. For loss contingencies believed to be reasonably possible, the Company discloses the nature of the loss contingency and an estimate of the possible loss, range of loss, or a statement that such an estimate cannot be made.

Likewise, the Company is sometimes named as a cross-defendant in litigation, which is principally directed against an insured who was issued a policy of insurance directly or indirectly through the Company. Incidental actions related to disputes concerning the issuance or non-issuance of individual policies are sometimes brought by customers or others. These items are also handled on a routine basis by the counsel, and they do not generally affect the operations of the Company. Management is confident that the ultimate outcome of pending litigation should not have an adverse effect on the Company's consolidated results of operations or financial position. The Company vigorously defends itself unless a reasonable settlement appears appropriate.

One of the Company’s agents, which was appointed in 2008 to assist the Company in implementing its Trucking Program, failed to pay the net premium and policy fees due Unifax, the exclusive general agent for Crusader. The agent was initially late in paying its February 2009 production that was due to Unifax on April 15, 2009. In May 2009, as a result of the agent’s failure to timely pay its balance due to Unifax, the Company terminated its agency agreement and assumed ownership and control of that agent’s policy expirations written with the Company. The Company subsequently commenced legal proceedings against the agent corporation, its three principals (who personally guaranteed the agent’s obligations), and a fourth individual for the recovery of the balance due and any related recovery costs incurred. All related recovery costs have been expensed as incurred. The agent corporation and two of its principals filed bankruptcy. The corporation was adjudicated bankrupt. The Company obtained judgments, non-dischargeable in bankruptcy, for the full amount due from the two principals who filed bankruptcy. The other principal stipulated to a judgment of $1,200,000, and that person has not filed for bankruptcy. The claim against the fourth individual was resolved. The Company collected $0 during the three and six months ended June 30, 2015, and $0 and $75,000 during the three and six months ended June 30, 2014, respectively. As of June 30, 2015, and December 31, 2014, the agent’s balance due to Unifax was $1,181,272. As of June 30, 2015, and December 31, 2014, the Company’s bad debt reserve associated with this matter was $1,181,272, which represents 100% of the balance due to Unifax. Although the receivable is fully reserved for financial reporting purposes at June 30, 2015, the Company continues to pursue collection of the judgments from the three principals.

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Segment Reporting (Narrative)
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Jun. 30, 2015

Jun. 30, 2014

Jun. 30, 2015

Jun. 30, 2014

Segment Reporting Narrative

Percentage of consolidated revenues from insurance company operations segment 91.00% 90.00% 91.00% 90.00%

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Fair Value Of Financial Instruments (Tables)
6 Months Ended

Jun. 30, 2015

Fair Value Of Financial Instruments Tables

Fair value of financial instruments

The following table presents information about the Company’s consolidated financial instruments and their estimated fair values, which are measured on a recurring basis, and are allocated among the three levels within the fair value hierarchy as of June 30, 2015, and December 31, 2014:

Level 1 Level 2 Level 3 Total

June 30, 2015

Financial instruments:

 Fixed maturity securities:

 U.S. treasury securities $ 29,141,305 $ — $ — $ 29,141,305

 Certificates of deposit — 25,471,000 — 25,471,000

 Total fixed maturity securities 29,141,305 25,471,000 — 54,612,305

 Cash and short-term investments 51,978,085 — — 51,978,085

 Total financial instruments at fair value $ 81,119,390 $ 25,471,000 $ — $ 106,590,390

December 31, 2014

Financial instruments:

 Fixed maturity securities:

 U.S. treasury securities $ 20,069,556 $ — $ — $ 20,069,556

 Certificates of deposit — 15,089,000 — 15,089,000

 Total fixed maturity securities 20,069,556 15,089,000 — 35,158,556

 Cash and short-term investments 72,568,570 — — 72,568,570

 Total financial instruments at fair value $ 92,638,126 $ 15,089,000 $ — $ 107,727,126

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Segment Reporting - Assets (Details) - USD ($)

Jun. 30, 2015

Dec. 31, 2014

Assets

Insurance company operation $ 121,456,170 $ 123,048,404

Intersegment asset eliminations (634,205) (1,657,750)

Total insurance company operation 120,821,965 121,390,654

Other insurance operations assets 16,181,512 14,624,915

Total assets $ 137,003,477 $ 136,015,569

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Consolidated Statements of Comprehensive Income (Loss) - USD ($)
3 Months Ended 6 Months Ended

Jun. 30, 2015

Jun. 30, 2014

Jun. 30, 2015

Jun. 30, 2014

Consolidated Statements Of Comprehensive Income Loss

Net Income $ 112,381 $ 270,006 $ (284,404) $ 861,789

Other changes in comprehensive income (loss):

Unrealized gains (losses) on securities classified as available-for-sale arising during the period (14,195) 4,810 69,837 11,426

Income tax benefit (expense) related to unrealized gains ( losses) on securities classified as available-for-sale arising during the period 4,826 (1,635) (23,745) (3,885)

Comprehensive Income (Loss) $ 103,012 $ 273,181 $ (238,312) $ 869,330

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Recently Issued Accounting Standards
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Accounting Changes and Error Corrections [Abstract]

Recently Issued Accounting Standards

NOTE 4 – RECENTLY ISSUED ACCOUNTING STANDARDS

In May 2015, the Financial Accounting Standards Board issued Accounting Standards Update (ASU) 2015-09 “Disclosures About Short-Duration Contracts.” The objective of this ASU is to increase transparency about significant estimates in unpaid losses and loss adjustment expenses and provide additional information about amount, timing and uncertainty of cash flows related to unpaid losses and loss adjustment expenses. ASU 2015-09 is not expected to have any impact on the Company’s consolidated financial statements. The disclosure mandated by ASU 2015-09 will become effective for annual and quarterly reporting periods ended on and after December 31, 2016.

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Dec. 31, 2014

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Certificates of deposit 25,471,000 15,089,000

Total fixed maturities 54,612,305 35,158,556

Cash and short term investments 51,978,085 72,568,570

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Level 1

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Certificates of deposit 0 0

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Segment Reporting (Tables)
6 Months Ended

Jun. 30, 2015

Notes to Financial Statements

Revenues, income before income taxes and assets by segment

Revenues and ncome (loss) before income taxes by segment are as follows:

Three Months Ended Six Months Ended

June 30 June 30

2015 2014 2015 2014

Revenues

Insurance company operation $ 7,594,589 $ 6,854,566 $ 14,719,270 $ 13,529,505

Other insurance operations 3,382,306 3,168,472 6,523,946 5,990,845

Intersegment eliminations (1) (2,663,204 ) (2,401,270 ) (5,097,326 ) (4,458,471 )

 Total other insurance operations 719,102 767,202 1,426,620 1,532,374

 Total revenues $ 8,313,691 $ 7,621,768 $ 16,145,890 $ 15,061,879

Income (Loss) Before Income Taxes

Insurance company operation $ 254,512 $ 731,578 $ (2,068 ) $ 2,347,512

Other insurance operations (71,839 ) (329,257 ) (406,296 ) (1,038,854 )

 Total income (loss) before income taxes $ 182,673 $ 402,321 $ (408,364 ) $ 1,308,658

(1) Intersegment revenue eliminations reflect commissions paid by Crusader to Unifax Insurance Systems, Inc. (Unifax), a wholly owned subsidiary of Unico.

Reconcilation of assets from segemnt to consoldated

Assets by segment are as follows:

As of

June 30 December 31

2015 2014

Assets

Insurance company operation $ 121,456,170 $ 123,048,404

Intersegment eliminations (2) (634,205 ) (1,657,750 )

 Total insurance company operation 120,821,965 121,390,654

Other insurance operations 16,181,512 14,624,915

 Total assets $ 137,003,477 $ 136,015,569

(2) Intersegment asset eliminations reflect the elimination of Crusader receivables from Unifax and Unifax payables to Crusader.

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Segment Reporting - Revenues (Details) - USD ($)	3 Months Ended		6 Months Ended
Segment Reporting - Revenues (Details) - USD ($)	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Revenues
Insurance company operation	$ 7,594,589	$ 6,854,566	$ 14,719,270	$ 13,529,505
Revenues from other insurance operations	3,382,306	3,168,472	6,523,946	5,990,845
Intersegment revenue eliminations	(2,663,204)	(2,401,270)	(5,097,326)	(4,458,471)
Revenues from other insurance operations net of intersegment eliminations	719,102	767,202	1,426,620	1,532,374
Total revenues	8,313,691	7,621,768	16,145,890	15,061,879
Income Before Income Taxes
Income before taxes from insurance company operation	254,512	731,578	(2,068)	2,347,512
Income before taxes from other insurance operations	(71,839)	(329,257)	(406,296)	(1,038,854)
Income before income taxes	$ 182,673	$ 402,321	$ (408,364)	$ 1,308,658

Investments - Available for sale investments (Details) - USD ($)	Jun. 30, 2015	Dec. 31, 2014
Certificates of deposit
Amortized cost of fixed maturity investments by asset type	$ 25,471,000	$ 15,089,000
Gross unrealized gains by asset type	0	0
Gross unrealized losses by asset type	0	0
Investments at fair value	25,471,000	15,089,000
U.S. treasury securities
Amortized cost of fixed maturity investments by asset type	29,066,023	20,064,111
Gross unrealized gains by asset type	79,324	14,476
Gross unrealized losses by asset type	(4,042)	(9,031)
Investments at fair value	29,141,305	20,069,556
Total fixed maturities
Amortized cost of fixed maturity investments by asset type	54,537,023	35,153,111
Gross unrealized gains by asset type	79,324	14,476
Gross unrealized losses by asset type	(4,042)	(9,031)
Investments at fair value	$ 54,612,305	$ 35,158,556

Investments - Investment Income (Details) - USD ($)	3 Months Ended		6 Months Ended
Investments - Investment Income (Details) - USD ($)	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Notes to Financial Statements
Investment income fixed maturities	$ 85,229	$ 13,543	$ 157,165	$ 26,632
Investment Income short-term investments	12,706	16,554	28,178	34,809
Total investment income	$ 97,935	$ 30,097	$ 185,343	$ 61,441

Investments - Unrealized appreciation on investments (Details) - USD ($)	Jun. 30, 2015	Dec. 31, 2014
Notes to Financial Statements
Gross unrealized gains of fixed maturities	$ 79,324	$ 14,476
Gross unrealized gains (losses) of fixed maturities	(4,042)	(9,031)
Net unrealized gains (losses) on investments	75,282	5,445
Deferred federal tax benefit (expense)	(25,596)	(1,851)
Net unrealized gains, net of deferred income taxes	$ 49,686	$ 3,594

Investments - Short term invesmtments (Details) - USD ($)	Jun. 30, 2015	Dec. 31, 2014
Notes to Financial Statements
U.S. treasury money market fund	$ 6,325,636	$ 1,450,451
Short-term U.S. treasury bills	43,985,398	69,968,988
Bank money market accounts	1,299,178	838,207
Bank savings accounts	1,762	1,762
Total short-term investments	$ 51,611,974	$ 72,259,408

Consolidated Balance Sheets - USD ($)	Jun. 30, 2015	Dec. 31, 2014
Available for sale:
Fixed maturities, at fair value (amortized cost: June 30, 2015 $54,537,023; December 31, 2014 $35,153,111)	$ 54,612,305	$ 35,158,556
Short-term investments, at fair value	51,611,974	72,259,408
Total Investments	106,224,279	107,417,964
Cash	366,111	309,162
Accrued investment income	58,787	42,895
Receivables, net	6,107,001	5,170,313
Reinsurance Recoverable:
Paid losses and loss adjustment expenses	341,741	201,007
Unpaid losses and loss adjustment expenses	5,484,733	5,162,775
Deferred policy acquisition costs	4,270,016	3,882,825
Property and equipment (net of accumulated depreciation)	10,615,880	10,510,306
Deferred income taxes	1,381,264	1,518,534
Other assets	2,153,665	1,799,788
Total Assets	137,003,477	136,015,569
LIABILITIES
Unpaid losses and loss adjustment expenses	44,231,712	44,396,558
Unearned premiums	18,323,842	16,607,179
Advance premium and premium deposits	383,498	250,421
Income taxes payable	0	0
Accrued expenses and other liabilities	2,539,580	2,986,317
Total Liabilities	65,478,632	64,240,475
STOCKHOLDERS' EQUITY
Common stock, no par, authorized 10,000,000 shares; issued and outstanding shares 5,338,943 at June 30, 2015 and 5,341,147 at December 31, 2014	3,742,297	3,731,828
Accumulated other comprehensive income	49,686	3,594
Retained earnings	67,732,862	68,039,672
Total Stockholders' Equity	71,524,845	71,775,094
Total Liabilities and Stockholders' Equity	$ 137,003,477	$ 136,015,569

Consolidated Statements of Cash Flows - USD ($)	6 Months Ended
Consolidated Statements of Cash Flows - USD ($)	Jun. 30, 2015	Jun. 30, 2014
Cash Flows from Operating Activities:
Net Income	$ (284,404)	$ 861,789
Adjustments to reconcile net income to net cash from operations
Depreciation and amortization	234,345	277,935
Bond amortization, net	(9,054)	(1,195)
Non-cash stock based compensation	11,552	11,552
Net receivables and accrued investment income	(952,580)	(805,905)
Reinsurance recoverable	(462,692)	(124,690)
Deferred policy acquisition costs	(387,191)	(161,724)
Other assets	(111,974)	295,879
Unpaid losses and loss adjustment expenses	(164,846)	270,451
Unearned premium	1,716,663	886,701
Advance premium and premium deposits	133,077	(6,372)
Accrued expenses and other liabilities	(446,737)	31,748
Income taxes current/deferred	(128,377)	(82,388)
Net Cash Provided (Used) by Operating Activities	(852,218)	1,453,781
Investing Activities
Purchase of fixed maturity investments	(21,323,858)	(100,000)
Proceeds from maturity of fixed maturity investments	1,949,000	400,000
Net decrease (increase) in short-term investments	20,647,434	(1,712,301)
Additions to property and equipment	(339,919)	(313,806)
Net Cash Provided (Used) by Investing Activities	932,657	(1,726,107)
Financing Activities
Repurchase of common stock	(23,490)	0
Net Cash Provided (Used) by Financing Activities	(23,490)	0
Net increase (decrease) in cash	56,949	(272,326)
Cash at beginning of period	309,162	376,388
Cash at End of Period	366,111	104,062
Cash paid during the period for:
Interest	0	0
Income taxes	$ 8,900	$ 533,800

Investments (Details Narrative)	Jun. 30, 2015 USD ($)	Dec. 31, 2014 USD ($)
Notes to Financial Statements
Brokered certificates of deposit	$ 24,871,000	$ 14,489,000
Statutory deposit of certificates of deposit	$ 600,000	$ 600,000
Number of banks used to purchase statutory deposits	4	4

Contingencies (Details Narrative) - USD ($)	3 Months Ended		6 Months Ended
Contingencies (Details Narrative) - USD ($)	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Notes to Financial Statements
Agent balance receivable	$ 1,181,272		$ 1,181,272		$ 1,181,272
Agent balance bad debt reserve	$ 1,181,272		$ 1,181,272		$ 1,181,272
Agent balance bad debt reserve allowance percentage	10000.00%		10000.00%		10000.00%
Agent balance collected	$ 0	$ 0	$ 0	$ 75,000
Stipulated judgement from one principal	$ 1,200,000		$ 1,200,000		$ 1,200,000
Judgements obtained from two principles			Full amount due	Full amount due

Property and Equipment (Details) - USD ($)	Jun. 30, 2015	Dec. 31, 2014
Property And Equipment Details
Land located in Calabasas California	$ 1,787,485	$ 1,787,485
Building, furniture, fixtures, equipment and leasehold improvements located in Calabasas, California	7,384,605	7,269,449
Furniture, fixtures, equipment and leasehold improvements located in Woodland Hills, California	2,634,931	2,633,536
Computer software under development	1,681,170	1,457,802
Accumulated depreciation and amortization	2,872,311	2,637,966
Net property and equipment	$ 10,615,880	$ 10,510,306

Consolidated Balance Sheets (Parenthetical) - USD ($)	Jun. 30, 2015	Dec. 31, 2014
Consolidated Balance Sheets Parenthetical
Fixed maturity investments at amortized cost	$ 54,537,023	$ 35,153,111
Common stock, shares authorized	10,000,000	10,000,000
Common stock, shares issued	5,338,943	5,341,147
Common stock, shares outstanding	5,338,943	5,341,147

Document and Entity Information - USD ($)	6 Months Ended
Document and Entity Information - USD ($)	Jun. 30, 2015	Aug. 13, 2015
Document And Entity Information
Entity Registrant Name	Unico American Corporation
Entity Central Index Key	0000100716
Document Type	10-Q
Document Period End Date	Jun. 30, 2015
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Is Entity a Well-known Seasoned Issuer?	No
Is Entity a Voluntary Filer?	No
Is Entity's Reporting Status Current?	Yes
Entity Filer Category	Smaller Reporting Company
Entity Public Float	$ 25,921,651
Entity Common Stock, Shares Outstanding		5,338,943
Document Fiscal Period Focus	Q2
Document Fiscal Year Focus	2015

Consolidated Statements of Operations - USD ($)	3 Months Ended		6 Months Ended
Consolidated Statements of Operations - USD ($)	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
REVENUES
Net premium earned	$ 7,327,855	$ 6,484,354	$ 14,292,999	$ 12,872,595
Investment income	97,853	29,891	185,176	61,158
Other income	168,881	340,321	241,095	595,752
Total Insurance Company Revenues	7,594,589	6,854,566	14,719,270	13,529,505
Gross commissions and fees	701,995	749,045	1,393,214	1,483,608
Investment income	82	206	167	283
Finance fees earned	15,208	15,951	30,981	33,371
Other income	1,817	2,000	2,258	15,112
Total Revenues	8,313,691	7,621,768	16,145,890	15,061,879
EXPENSES
Losses and loss adjustment expenses	4,633,516	3,647,765	9,527,423	6,540,115
Policy acquisition costs	1,599,883	1,471,068	3,092,713	2,947,800
Salaries and employee benefits	1,166,206	1,271,221	2,414,113	2,553,149
Commissions to agents/brokers	44,756	54,230	89,344	98,069
Other operating expenses	686,657	775,163	1,430,661	1,614,088
Total Expenses	8,131,018	7,219,447	16,554,254	13,753,221
Income before income taxes	182,673	402,321	(408,364)	1,308,658
Income Tax Expense	70,292	132,315	(123,960)	446,869
Net Income	$ 112,381	$ 270,006	$ (284,404)	$ 861,789
Basic
Earnings per share	$ .02	$ .05	$ (.05)	$ .16
Weighted average shares	5,339,392	5,341,147	5,340,270	5,341,147
Diluted
Earnings per share	$ .02	$ .05	$ (.05)	$ .16
Weighted average shares	5,342,944	5,345,082	5,340,270	5,345,280

Earnings Per Share (Details) - USD ($)	3 Months Ended		6 Months Ended
Earnings Per Share (Details) - USD ($)	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Notes to Financial Statements
Earnings per share - diluted	$ .02	$ .05	$ (.05)	$ .16
Earnings per share - basic	$ .02	$ .05	$ (.05)	$ .16
Net income	$ 112,381	$ 270,006	$ (284,404)	$ 861,789
Effect of common share equivalents	3,552	3,935	0	4,133
Weighted average shares outstanding - diluted	5,342,944	5,345,082	5,340,270	5,345,280
Weighted average shares outstanding - basic	5,339,392	5,341,147	5,340,270	5,341,147

Segment Reporting (Narrative)	3 Months Ended		6 Months Ended
Segment Reporting (Narrative)	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Segment Reporting Narrative
Percentage of consolidated revenues from insurance company operations segment	91.00%	90.00%	91.00%	90.00%

Segment Reporting - Assets (Details) - USD ($)	Jun. 30, 2015	Dec. 31, 2014
Assets
Insurance company operation	$ 121,456,170	$ 123,048,404
Intersegment asset eliminations	(634,205)	(1,657,750)
Total insurance company operation	120,821,965	121,390,654
Other insurance operations assets	16,181,512	14,624,915
Total assets	$ 137,003,477	$ 136,015,569

Fair Value of Financial Instruments - Fair Value of Invested Assets (Details) - USD ($)	Jun. 30, 2015	Dec. 31, 2014
Fixed maturity investments available for sale:
U.S. treasury securities	$ 29,141,305	$ 20,069,556
Certificates of deposit	25,471,000	15,089,000
Total fixed maturities	54,612,305	35,158,556
Cash and short term investments	51,978,085	72,568,570
Total financial instruments at fair value	106,590,390	107,727,126
Level 1
Fixed maturity investments available for sale:
U.S. treasury securities	29,141,305	20,069,556
Certificates of deposit	0	0
Total fixed maturities	29,141,305	20,069,556
Cash and short term investments	51,978,085	72,568,570
Total financial instruments at fair value	81,119,390	92,638,126
Level 2
Fixed maturity investments available for sale:
U.S. treasury securities	0	0
Certificates of deposit	25,471,000	15,089,000
Total fixed maturities	25,471,000	15,089,000
Cash and short term investments	0	0
Total financial instruments at fair value	25,471,000	15,089,000
Level 3
Fixed maturity investments available for sale:
U.S. treasury securities	0	0
Certificates of deposit	0	0
Total fixed maturities	0	0
Cash and short term investments	0	0
Total financial instruments at fair value	$ 0	$ 0