CONSOLIDATED BALANCE SHEETS (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
ASSETS
Investments, available-for-sale at fair value (amortized cost of $119,119 and $126,873, respectively)	$ 125,085	$ 130,248
Cash and cash equivalents	102,429	72,033
Premiums and fees receivable, net of allowance of $392 and $311, respectively	56,344	46,228
Deferred tax asset, net	16,521
Other investments	10,530	7,513
Other assets	6,234	6,471
Property and equipment, net	3,173	3,512
Deferred acquisition costs	3,459	2,902
Identifiable intangible assets	4,800	4,800
TOTAL ASSETS	328,575	273,707
LIABILITIES AND STOCKHOLDERS’ EQUITY
Loss and loss adjustment expense reserves	96,613	84,286
Unearned premiums and fees	67,942	55,983
Debentures payable	40,341	40,301
Other liabilities	16,715	16,205
Total liabilities	221,611	196,775
Stockholders’ equity:
Preferred stock, $.01 par value, 10,000 shares authorized
Common stock, $.01 par value, 75,000 shares authorized; 41,016 and 40,983 shares issued and outstanding, respectively	410	410
Additional paid-in capital	457,242	456,993
Accumulated other comprehensive income, net of tax of $923 and $0, respectively	5,090	3,375
Accumulated deficit	(355,778)	(383,846)
Total stockholders’ equity	106,964	76,932
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 328,575	$ 273,707