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Segments (Tables)
 3 Months Ended
Mar. 31, 2015
Segment Reporting, Disclosure of Entity's Reportable Segments [Abstract]  
Schedule of Segment Reporting Information, by Segment
Total assets by industry segment at March 31, 2015 and at December 31, 2014 are summarized below (dollars in thousands):

 
 
Total
 
P&C Insurance Operations
 
Life Insurance Operations
 
Non-Insurance Operations
March 31, 2015
 
 
 
 
 
 
 
 
 
 
$
147,016

 
$
82,573

 
$
56,827

 
$
7,616

December 31, 2014
 


 
 
 
 
 
 
 
 
$
144,865

 
$
81,648

 
$
56,541

 
$
6,676


Premium revenues and operating income by business segment for the three months ended March 31, 2015 and 2014 are summarized below (dollars in thousands):

Three months ended March 31, 2015
Total
 
P&C Insurance Operations
 
Life Insurance Operations
 
Non-Insurance Operations
REVENUE
 
 
 
 
 
 
 
Net premiums earned
$
14,706

 
$
13,122

 
$
1,584

 
$
—

Net investment income
974

 
490

 
465

 
19

Net realized investment gains (losses)
142

 
31

 
111

 
—

Other income
158

 
157

 
1

 
—

 
15,980

 
13,800

 
2,161

 
19

BENEFITS AND EXPENSES
 

 
 

 
 

 
 

Policyholder benefits paid
8,262

 
6,777

 
1,485

 
—

Amortization of deferred policy acquisition costs
899

 
675

 
224

 
—

Commissions
2,055

 
1,968

 
87

 
—

General and administrative expenses
2,006

 
1,540

 
309

 
157

Taxes, licenses and fees
655

 
544

 
111

 
—

Interest expense
317

 
—

 
10

 
307

 
14,194

 
11,504

 
2,226

 
464

Income (Loss) Before Income Taxes
$
1,786

 
$
2,296

 
$
(65
)
 
$
(445
)




Three months ended March 31, 2014
Total
 
P&C Insurance Operations
 
Life Insurance Operations
 
Non-Insurance Operations
REVENUE
 
 
 
 
 
 
 
Net premiums earned
$
13,824

 
$
12,173

 
$
1,651

 
$
—

Net investment income
948

 
455

 
474

 
19

Net realized investment gains
88

 
48

 
40

 
—

Other income
154

 
153

 
1

 
—

 
15,014

 
12,829

 
2,166

 
19

BENEFITS AND EXPENSES
 

 
 

 
 

 
 

Policyholder benefits paid
7,864

 
6,664

 
1,200

 
—

Amortization of deferred policy acquisition costs
898

 
641

 
257

 
—

Commissions
2,027

 
1,945

 
82

 
—

General and administrative expenses
2,026

 
1,457

 
460

 
109

Taxes, licenses and fees
530

 
464

 
66

 
—

Interest expense
386

 
—

 
17

 
369

 
13,731

 
11,171

 
2,082

 
478

Income Before Income Taxes
$
1,283

 
$
1,658

 
$
84

 
$
(459
)
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, 2015 and 2014, respectively:
 
 
 
Three months ended
March 31,
 
 
2015
 
2014
Life, accident and health operations premiums written:
 
 

 
 

Traditional life insurance
 
$
1,137

 
$
1,179

Accident and health insurance
 
419

 
444

Gross life, accident and health
 
1,556

 
1,623

Reinsurance premium ceded
 
(15
)
 
(23
)
Net life, accident and health premiums written
 
$
1,541

 
$
1,600

Property and Casualty operations premiums written:
 
 

 
 

Dwelling fire & extended coverage
 
$
8,728

 
$
8,329

Homeowners (Including mobile homeowners)
 
5,751

 
5,749

Other liability
 
505

 
469

Gross property and casualty
 
14,984

 
14,547

Reinsurance premium ceded
 
(1,491
)
 
(1,755
)
Net property and casualty written
 
$
13,493

 
$
12,792

Consolidated gross premiums written
 
$
16,540

 
$
16,170

Reinsurance premium ceded
 
(1,506
)
 
(1,778
)
Consolidated net premiums written
 
$
15,034

 
$
14,392
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 three months ended March 31, 2015 and 2014, respectively:
 


Three months ended
March 31,
 

2015

2014
Life, accident and health operations premiums earned:

 

 
Traditional life insurance

$
1,178

 
$
1,243

Accident and health insurance

421

 
431

Gross life, accident and health

1,599

 
1,674

Reinsurance premium ceded

(15
)
 
(23
)
Net life, accident and health premiums earned

$
1,584

 
$
1,651

Property and Casualty operations premiums earned:






Dwelling fire & extended coverage

$
8,200

 
$
7,670

Homeowners (Including mobile homeowners)

5,948

 
5,831

Other liability

465

 
427

Gross property and casualty

14,613

 
13,928

Reinsurance premium ceded

(1,491
)
 
(1,755
)
Net property and casualty earned

$
13,122

 
$
12,173

Consolidated gross premiums earned

$
16,212

 
$
15,602

Reinsurance premium ceded

(1,506
)
 
(1,778
)
Consolidated net premiums earned

$
14,706

 
$
13,824