Segments (Tables)

3 Months Ended

Mar. 31, 2013

Segment Reporting, Disclosure of Entity's Reportable Segments [Abstract]

Schedule of Segment Reporting Information, by Segment

Premium revenues and operating income by industry segment for the three months ended March 31, 2013 and 2012 are summarized below (dollars in thousands):

Three months ended March 31, 2013	Total			P&C Insurance Operations			Life Insurance Operations		Non-Insurance Operations
REVENUE
Net premiums earned	$	12,934		$	11,188		$	1,746	$	—
Net investment income	1,084			477			588		19
Net realized investment gains	27			2			25		—
Other income	172			170			2		—
	14,217			11,837			2,361		19
BENEFITS AND EXPENSES
Policyholder benefits paid	9,551			8,553			998		—
Amortization of deferred policy acquisition costs	942			661			281		—
Commissions	1,982			1,886			96		—
General and administrative expenses	1,842			1,245			441		156
Taxes, licenses and fees	486			412			74		—
Interest expense	442			—			21		421
	15,245			12,757			1,911		577
Income (Loss) Before Income Taxes	$	(1,028	)	$	(920	)	$	450	$	(558	)

Three months ended March 31, 2012	Total		P&C Insurance Operations		Life Insurance Operations		Non-Insurance Operations
REVENUE
Net premiums earned	$	13,496	$	11,744	$	1,752	$	—
Net investment income	1,135		611		508		16
Net realized investment gains (losses)	206		132		72		2
Other income	197		196		1		—
	15,034		12,683		2,333		18
BENEFITS AND EXPENSES
Policyholder benefits paid	7,845		6,413		1,432		—
Amortization of deferred policy acquisition costs	816		717		99		—
Commissions	1,956		1,827		129		—
General and administrative expenses	2,488		1,829		448		211
Litigation settlement and defense costs	589		—		—		589
Taxes, licenses and fees	492		430		62		—
Interest expense	292		—		19		273
	14,478		11,216		2,189		1,073
Income (Loss) Before Income Taxes	$	556	$	1,467	$	144	$	(1,055	)

Schedule of Gross and Net Premiums Written

The following table presents the Company’s gross and net premiums written for the property and casualty segment and the life and accident and health segment for the three months ended March 31, 2013 and 2012, respectively:

	Three months ended March 31,
	2013			2012
Life, accident and health operations premiums written:
Traditional life insurance	$	1,218		$	1,230
Accident and health insurance	444			464
Total life, accident and health	1,662			1,694
Property and Casualty operations premiums written:
Dwelling fire & extended coverage	7,559			6,927
Homeowners (Including mobile homeowners)	5,421			5,487
Ocean marine	92			84
Other liability	408			357
Private passenger auto liability	—			69
Commercial auto liability	—			6
Auto physical damage	—			36
Total property and casualty	13,480			12,966
Gross premiums written	15,142			14,660
Reinsurance premium ceded	(2,151		)	(1,675		)
Net premiums written	$	12,991		$	12,985

Schedule of Gross and Net Premiums Earned

The following table presents the Company’s gross and net premiums earned for the property and casualty segment and the life and accident and health segment for the three months ended March 31, 2013 and 2012, respectively:

	Three months ended March 31,
	2013			2012
Life, accident and health operations premiums earned:
Traditional life insurance	$	1,316		$	1,308
Accident and health insurance	449			464
Total life, accident and health	1,765			1,772
Property and Casualty operations premiums earned:
Dwelling fire & extended coverage	7,018			6,547
Homeowners (Including mobile homeowners)	5,681			5,904
Ocean marine	256			268
Other liability	373			340
Private passenger auto liability	—			235
Commercial auto liability	—			6
Auto physical damage	—			107
Total property and casualty	13,328			13,407
Gross premiums earned	15,093			15,179
Reinsurance premium ceded	(2,159		)	(1,683		)
Net premiums earned	$	12,934		$	13,496