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Segments (Tables)
 9 Months Ended
Sep. 30, 2015
Segment Reporting, Disclosure of Entity's Reportable Segments [Abstract]  
Schedule of Segment Reporting Information, by Segment
Total assets by industry segment at September 30, 2015 and at December 31, 2014 are summarized below (dollars in thousands):

 
 
Total
 
P&C Insurance Operations
 
Life Insurance Operations
 
Non-Insurance Operations
 
 
 
 
 
 
 
 
 
September 30, 2015
 
$
149,499

 
$
85,427

 
$
56,984

 
$
7,088

 
 


 
 
 
 
 
 
December 31, 2014
 
$
144,865

 
$
81,648

 
$
56,541

 
$
6,676


Premium revenues and operating income by business segment for the three and nine months ended September 30, 2015 and 2014 are summarized below (dollars in thousands):

Three months ended September 30, 2015
Total
 
P&C Insurance Operations
 
Life Insurance Operations
 
Non-Insurance Operations
REVENUE
 
 
 
 
 
 
 
Net premiums earned
$
15,104

 
$
13,414

 
$
1,690

 
$
—

Net investment income
714

 
237

 
458

 
19

Net realized investment gains (losses)
130

 
51

 
79

 
—

Other income
154

 
153

 
1

 
—

 
16,102

 
13,855

 
2,228

 
19

BENEFITS AND EXPENSES
 

 
 

 
 

 
 

Policyholder benefits paid
8,170

 
6,440

 
1,730

 
—

Amortization of deferred policy acquisition costs
905

 
676

 
229

 
—

Commissions
2,086

 
1,988

 
98

 
—

General and administrative expenses
1,707

 
1,445

 
323

 
(61
)
Taxes, licenses and fees
468

 
426

 
42

 
—

Interest expense
346

 
—

 
21

 
325

 
13,682

 
10,975

 
2,443

 
264

Income (Loss) Before Income Taxes
$
2,420

 
$
2,880

 
$
(215
)
 
$
(245
)




Three months ended September 30, 2014
Total
 
P&C Insurance Operations
 
Life Insurance Operations
 
Non-Insurance Operations
REVENUE
 
 
 
 
 
 
 
Net premiums earned
$
14,374

 
$
12,757

 
$
1,617

 
$
—

Net investment income
824

 
333

 
472

 
19

Net realized investment gains
141

 
23

 
117

 
1

Other income
158

 
156

 
2

 
—

 
15,497

 
13,269

 
2,208

 
20

BENEFITS AND EXPENSES
 

 
 

 
 

 
 

Policyholder benefits paid
7,172

 
5,876

 
1,296

 
—

Amortization of deferred policy acquisition costs
946

 
642

 
304

 
—

Commissions
2,166

 
2,073

 
93

 
—

General and administrative expenses
1,719

 
1,296

 
385

 
38

Taxes, licenses and fees
514

 
441

 
73

 
—

Interest expense
380

 
—

 
16

 
364

 
12,897

 
10,328

 
2,167

 
402

Income (Loss) Before Income Taxes
$
2,600

 
$
2,941

 
$
41

 
$
(382
)



Nine months ended September 30, 2015
Total
 
P&C Insurance Operations
 
Life Insurance Operations
 
Non-Insurance Operations
REVENUE
 
 
 
 
 
 
 
Net premiums earned
$
44,690

 
$
39,812

 
$
4,878

 
$
—

Net investment income
2,472

 
1,063

 
1,352

 
57

Net realized investment gains (losses)
517

 
181

 
336

 
—

Other income
468

 
466

 
2

 
—

 
48,147

 
41,522

 
6,568

 
57

BENEFITS AND EXPENSES
 

 
 

 
 

 
 

Policyholder benefits paid
25,867

 
21,751

 
4,116

 
—

Amortization of deferred policy acquisition costs
2,722

 
2,026

 
696

 
—

Commissions
6,230

 
5,953

 
277

 
—

General and administrative expenses
5,806

 
4,604

 
956

 
246

Taxes, licenses and fees
1,641

 
1,442

 
199

 
—

Interest expense
1,008

 
—

 
44

 
964

 
43,274

 
35,776

 
6,288

 
1,210

Income (Loss) Before Income Taxes
$
4,873

 
$
5,746

 
$
280

 
$
(1,153
)




Nine months ended September 30, 2014
Total
 
P&C Insurance Operations
 
Life Insurance Operations
 
Non-Insurance Operations
REVENUE
 
 
 
 
 
 
 
Net premiums earned
$
42,298

 
$
37,397

 
$
4,901

 
$
—

Net investment income
2,802

 
1,296

 
1,449

 
57

Net realized investment gains
541

 
72

 
467

 
2

Gain on company owned life insurance
1,621

 
1,621

 
—

 
—

Other income
404

 
401

 
3

 
—

 
47,666

 
40,787

 
6,820

 
59

BENEFITS AND EXPENSES
 

 
 

 
 

 
 

Policyholder benefits paid
24,191

 
20,106

 
4,085

 
—

Amortization of deferred policy acquisition costs
2,717

 
1,924

 
793

 
—

Commissions
6,160

 
5,908

 
252

 
—

General and administrative expenses
6,158

 
4,285

 
1,443

 
430

Taxes, licenses and fees
1,565

 
1,362

 
203

 
—

Interest expense
1,148

 
—

 
47

 
1,101

 
41,939

 
33,585

 
6,823

 
1,531

Income (Loss) Before Income Taxes
$
5,727

 
$
7,202

 
$
(3
)
 
$
(1,472
)
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 and nine months ended September 30, 2015 and 2014, respectively:
 
 
 
Three months ended September 30,
 
Nine months ended
September 30,
 
 
2015
 
2014
 
2015
 
2014
Life, accident and health operations premiums written:
 
 

 
 

 
 

 
 

Traditional life insurance
 
$
1,140

 
$
1,156

 
$
3,381

 
$
3,472

Accident and health insurance
 
600

 
564

 
1,441

 
1,439

Gross life, accident and health
 
1,740

 
1,720

 
4,822

 
4,911

Reinsurance premium ceded
 
(19
)
 
(23
)
 
(49
)
 
(58
)
Net life, accident and health premiums written
 
$
1,721

 
$
1,697

 
$
4,773

 
$
4,853

Property and Casualty operations premiums written:
 
 

 
 

 
 

 
 

Dwelling fire & extended coverage
 
$
8,793

 
$
8,340

 
$
26,975

 
$
25,888

Homeowners (Including mobile homeowners)
 
6,220

 
6,261

 
18,686

 
18,889

Other liability
 
500

 
475

 
1,554

 
1,465

Gross property and casualty
 
15,513

 
15,076

 
47,215

 
46,242

Reinsurance premium ceded
 
(1,745
)
 
(1,762
)
 
(4,465
)
 
(5,319
)
Net property and casualty written
 
$
13,768

 
$
13,314

 
$
42,750

 
$
40,923

Consolidated gross premiums written
 
$
17,253

 
$
16,796

 
$
52,037

 
$
51,153

Reinsurance premium ceded
 
(1,764
)
 
(1,785
)
 
(4,514
)
 
(5,377
)
Consolidated net premiums written
 
$
15,489

 
$
15,011

 
$
47,523

 
$
45,776
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 and nine months ended September 30, 2015 and 2014, respectively:
 


Three months ended September 30,

Nine months ended
September 30,
 

2015
 
2014

2015

2014
Life, accident and health operations premiums earned:

 

 

 

 
Traditional life insurance

$
1,111

 
$
1,080


$
3,488

 
$
3,537

Accident and health insurance

598

 
560


1,439

 
1,422

Gross life, accident and health

1,709

 
1,640


4,927

 
4,959

Reinsurance premium ceded

(19
)
 
(23
)

(49
)
 
(58
)
Net life, accident and health premiums earned

$
1,690

 
$
1,617


$
4,878

 
$
4,901

Property and Casualty operations premiums earned:












Dwelling fire & extended coverage

$
8,547

 
$
8,147


$
25,150

 
$
23,727

Homeowners (Including mobile homeowners)

5,957

 
5,914


17,860

 
17,661

Other liability

488

 
458


1,433

 
1,328

Gross property and casualty

14,992

 
14,519


44,443

 
42,716

Reinsurance premium ceded

(1,578
)

(1,762
)

(4,631
)
 
(5,319
)
Net property and casualty earned

$
13,414


$
12,757


$
39,812

 
$
37,397

Consolidated gross premiums earned

$
16,701


$
16,159


$
49,370

 
$
47,675

Reinsurance premium ceded

(1,597
)

(1,785
)

(4,680
)
 
(5,377
)
Consolidated net premiums earned

$
15,104


$
14,374


$
44,690

 
$
42,298