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Consolidated Statements of Cash Flows - USD ($)
12 Months Ended
Dec. 31, 2018
Dec. 31, 2017
Dec. 31, 2016
Cash Flows from Operating Activities:      
Net (loss) income $ (32,760,340) $ 7,116,100 $ 30,801,137
Adjustments to reconcile net (loss) income to net cash provided by operating activities:      
Depreciation, amortization and other non-cash items 6,609,632 6,109,869 6,587,282
Net investment losses (gains) 4,801,509 (5,705,255) (2,525,575)
Equity in earnings of Donegal Financial Services Corporation (2,693,962) (1,621,605) (1,086,157)
Changes in Assets and Liabilities:      
Losses and loss expenses 137,993,497 70,007,137 28,459,481
Unearned premiums 3,072,065 37,401,313 36,562,025
Accrued expenses (2,591,630) (212,915) 5,786,216
Premiums receivable 3,704,182 (1,016,765) (18,122,256)
Deferred policy acquisition costs (325,267) (3,980,664) (4,200,808)
Deferred income taxes (4,179,805) 11,889,970 2,030,865
Reinsurance receivable (45,026,502) (35,314,555) (3,299,895)
Accrued investment income (8,078) (257,608) (304,316)
Amounts due to affiliate 3,560,172 16,519,278 (12,762,087)
Reinsurance balances payable (233,966) (253,369) 889,122
Prepaid reinsurance premiums (347,136) (10,777,146) (10,732,990)
Current income taxes (8,097,499) (9,826,855) 379,406
Other, net 299,262 (113,482) (22,628)
Dividends received from Donegal Financial Services Corporation   1,036,750 1,591,300
Net adjustments 96,536,474 73,884,098 29,228,985
Net cash provided by operating activities 63,776,134 81,000,198 60,030,122
Purchases of fixed maturities:      
Held to maturity (48,969,776) (51,049,152) (44,907,210)
Available for sale (116,961,667) (138,675,907) (161,873,868)
Purchases of equity securities (11,303,361) (17,033,093) (15,222,724)
Sales of fixed maturities:      
Available for sale 13,202,367 10,081,785 55,731,299
Maturity of fixed maturities:      
Held to maturity 13,184,665 20,577,326 19,488,644
Available for sale 105,266,805 99,544,479 82,586,588
Sales of equity securities 13,779,330 20,880,814 9,201,657
Net purchases of property and equipment (105,525) (1,090,726) (384,207)
Net (purchases) sales of short-term investments (5,698,845) (1,678,908) 4,061,475
Net cash used in investing activities (37,606,007) (58,443,382) (51,318,346)
Cash Flows from Financing Activities:      
Issuance of common stock 3,249,849 15,511,457 13,822,228
Cash dividends paid (15,658,950) (14,822,052) (14,085,934)
Payments on lines of credit   (10,000,000) (12,000,000)
Borrowings under lines of credit 1,000,000    
Net cash used in financing activities (11,409,101) (9,310,595) (12,263,706)
Net increase (decrease) in cash 14,761,026 13,246,221 (3,551,930)
Cash at beginning of year 37,833,435 24,587,214 28,139,144
Cash at end of year $ 52,594,461 $ 37,833,435 $ 24,587,214