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REGULATORY REQUIREMENTS AND RESTRICTIONS (Tables)
 12 Months Ended
Dec. 31, 2012
REGULATORY REQUIREMENTS AND RESTRICTIONS [Abstract]  
Schedule of range and test results as per IRIS Ratios
The table below reflects the range and test results for FNIC for the years ended December 31, 2012 and 2011, respectively.

IRIS Ratios
 
Unusual Values Equal to Or
 
 
2012
 
 
2011
 
 
Over
 
 
Under
 
 
FNIC
 
 
FNIC
 
 
 
 
 
 
 
 
 
 
 
 
 
Gross Premiums to Policyholders' Surplus
 
 
900
 
 
 
-
 
 
 
233
 
 
 
253
 
Net Premium to Policyholders' Surplus
 
 
300
 
 
 
-
 
 
 
135
 
 
 
136
 
Change in Net Writings
 
 
33
 
 
 
(33
)
 
 
32
 
 
 
18
 
Surplus Aid to Policyholders' Surplus
 
 
15
 
 
 
-
 
 
 
1
 
 
 
1
 
Two-year Overall Operating Ratio
 
 
100
 
 
 
-
 
 
 
92
 
 
 
123
*
Investment Yield
 
 
6.5
 
 
 
3.0
 
 
 
2.4
*
 
 
2.7
*
Gross Change in Policyholders' Surplus
 
 
50
 
 
 
(10
)
 
 
32
 
 
 
(3
)
Net Change in Adjusted Policyholders' Surplus
 
 
25
 
 
 
(10
)
 
 
32
*
 
 
(3
)
Liabilities to Liquid Assets
 
 
105
 
 
 
-
 
 
 
69
 
 
 
75
 
Gross Agents' Balance to Policyholders' Surplus
 
 
40
 
 
 
-
 
 
 
3
 
 
 
3
 
One-Year Reserve Development to Policyholders' Surplus
 
 
20
 
 
 
-
 
 
 
(3
)
 
 
0
 
Two-Year Reserve Development to Policyholders' Surplus
 
 
20
 
 
 
-
 
 
 
(2
)
 
 
8
 
Estimated Current Reserve Deficiency to Policyholders' Surplus
 
 
25
 
 
 
-
 
 
 
50
*
 
 
15
 
 
*
indicates an unusual value