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Segments (Tables)
 3 Months Ended
Mar. 31, 2016
Segment Reporting, Disclosure of Entity's Reportable Segments [Abstract]  
Schedule of Segment Reporting Information, by Segment
Total assets by industry segment at March 31, 2016 and at December 31, 2015 are summarized below (dollars in thousands):

 
 
Total
 
P&C Insurance Operations
 
Life Insurance Operations
 
Non-Insurance Operations
 
 
 
 
 
 
 
 
 
March 31, 2016
 
$
148,612

 
$
84,837

 
$
57,638

 
$
6,137

 
 


 
 
 
 
 
 
December 31, 2015
 
$
147,841

 
$
84,435

 
$
57,067

 
$
6,339


Premium revenues and operating income by business segment for the quarters ended March 31, 2016 and 2015 are summarized below (dollars in thousands):

Three months ended March 31, 2016
Total
 
P&C Insurance Operations
 
Life Insurance Operations
 
Non-Insurance Operations
REVENUE
 
 
 
 
 
 
 
Net premiums earned
$
15,165

 
$
13,601

 
$
1,564

 
$
—

Net investment income
991

 
453

 
521

 
17

Net realized investment gains (losses)
7

 
—

 
7

 
—

Other income
154

 
153

 
1

 
—

 
16,317

 
14,207

 
2,093

 
17

BENEFITS AND EXPENSES
 

 
 

 
 

 
 

Policyholder benefits paid
9,047

 
7,862

 
1,185

 
—

Amortization of deferred policy acquisition costs
787

 
696

 
91

 
—

Commissions
2,108

 
2,016

 
92

 
—

General and administrative expenses
2,129

 
1,421

 
505

 
203

Taxes, licenses and fees
600

 
535

 
65

 
—

Interest expense
345

 
—

 
18

 
327

 
15,016

 
12,530

 
1,956

 
530

Income (Loss) Before Income Taxes
$
1,301

 
$
1,677

 
$
137

 
$
(513
)



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
1,002

 
490

 
493

 
19

Net realized investment gains
142

 
31

 
111

 
—

Other income
158

 
157

 
1

 
—

 
16,008

 
13,800

 
2,189

 
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
2,031

 
1,540

 
337

 
154

Taxes, licenses and fees
655

 
544

 
111

 
—

Interest expense
320

 
—

 
10

 
310

 
14,222

 
11,504

 
2,254

 
464

Income (Loss) Before Income Taxes
$
1,786

 
$
2,296

 
$
(65
)
 
$
(445
)
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, 2016 and 2015, respectively:
 
 
 
Three months ended March 31,
 
 
2016
 
2015
Life, accident and health operations premiums written:
 
 

 
 

Traditional life insurance
 
$
1,119

 
$
1,137

Accident and health insurance
 
418

 
419

Gross life, accident and health
 
1,537

 
1,556

Reinsurance premium ceded
 
(25
)
 
(15
)
Net life, accident and health premiums written
 
$
1,512

 
$
1,541

Property and Casualty operations premiums written:
 
 

 
 

Dwelling fire & extended coverage
 
$
9,192

 
$
8,728

Homeowners (Including mobile homeowners)
 
5,712

 
5,751

Other liability
 
523

 
505

Gross property and casualty
 
15,427

 
14,984

Reinsurance premium ceded
 
(1,002
)
 
(1,491
)
Net property and casualty written
 
$
14,425

 
$
13,493

Consolidated gross premiums written
 
$
16,964

 
$
16,540

Reinsurance premium ceded
 
(1,027
)
 
(1,506
)
Consolidated net premiums written
 
$
15,937

 
$
15,034
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, 2016 and 2015, respectively:


Three months ended March 31,
 

2016
 
2015
Life, accident and health operations premiums earned:

 

 
Traditional life insurance

$
1,173

 
$
1,178

Accident and health insurance

416

 
421

Gross life, accident and health

1,589

 
1,599

Reinsurance premium ceded

(25
)
 
(15
)
Net life, accident and health premiums earned

$
1,564

 
$
1,584

Property and Casualty operations premiums earned:






Dwelling fire & extended coverage

$
8,662

 
$
8,200

Homeowners (Including mobile homeowners)

5,906

 
5,948

Other liability

493

 
465

Gross property and casualty

15,061

 
14,613

Reinsurance premium ceded

(1,460
)
 
(1,491
)
Net property and casualty earned

$
13,601

 
$
13,122

Consolidated gross premiums earned

$
16,650

 
$
16,212

Reinsurance premium ceded

(1,485
)
 
(1,506
)
Consolidated net premiums earned

$
15,165

 
$
14,706