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

 
 
Total
 
P&C Insurance Operations
 
Life Insurance Operations
 
Non-Insurance Operations
 
 
 
 
 
 
 
 
 
December 31, 2016
 
$
148,579

 
$
82,647

 
$
58,689

 
$
7,243

 
 


 
 
 
 
 
 
December 31, 2015
 
$
147,841

 
$
84,435

 
$
57,067

 
$
6,339


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

Year ended December 31, 2016
Total
 
P&C Insurance Operations
 
Life Insurance Operations
 
Non-Insurance Operations
REVENUE
 
 
 
 
 
 
 
Net premiums earned
$
61,398

 
$
55,164

 
$
6,234

 
$
—

Net investment income
3,892

 
1,706

 
2,122

 
64

Net realized investment gains (losses)
998

 
725

 
273

 
—

Other income
605

 
603

 
2

 
—

 
66,893

 
58,198

 
8,631

 
64

BENEFITS AND EXPENSES
 

 
 

 
 

 
 

Policyholder benefits paid
38,847

 
33,562

 
5,285

 
—

Amortization of deferred policy acquisition costs
3,506

 
2,783

 
723

 
—

Commissions
7,894

 
7,584

 
310

 
—

General and administrative expenses
8,996

 
6,818

 
1,509

 
669

Taxes, licenses and fees
2,204

 
2,005

 
199

 
—

Interest expense
1,352

 
—

 
78

 
1,274

 
62,799

 
52,752

 
8,104

 
1,943

Income (Loss) Before Income Taxes
$
4,094

 
$
5,446

 
$
527

 
$
(1,879
)




Year ended December 31, 2015
Total
 
P&C Insurance Operations
 
Life Insurance Operations
 
Non-Insurance Operations
REVENUE
 
 
 
 
 
 
 
Net premiums earned
$
59,462

 
$
53,162

 
$
6,300

 
$
—

Net investment income
3,462

 
1,473

 
1,913

 
76

Net realized investment gains
503

 
190

 
313

 
—

Other income
623

 
620

 
3

 
—

 
64,050

 
55,445

 
8,529

 
76

BENEFITS AND EXPENSES
 

 
 

 
 

 
 

Policyholder benefits paid
34,148

 
29,461

 
4,687

 
—

Amortization of deferred policy acquisition costs
3,510

 
2,701

 
809

 
—

Commissions
7,952

 
7,572

 
380

 
—

General and administrative expenses
8,615

 
6,735

 
1,525

 
355

Taxes, licenses and fees
2,086

 
1,906

 
180

 
—

Interest expense
1,392

 
—

 
61

 
1,331

 
57,703

 
48,375

 
7,642

 
1,686

Income (Loss) Before Income Taxes
$
6,347

 
$
7,070

 
$
887

 
$
(1,610
)
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 years ended December 31, 2016 and 2015, respectively:
 
Year ended
December 31,
 
2016
 
2015
Life, accident and health operations premiums written:
 

 
 

Traditional life insurance
$
4,459

 
$
4,519

Accident and health insurance
1,851

 
1,867

Gross life, accident and health
6,310

 
6,386

Reinsurance premium ceded
(69
)
 
(64
)
Net life, accident and health premiums written
$
6,241

 
$
6,322

Property and Casualty operations premiums written:
 

 
 

Dwelling fire & extended coverage
$
35,783

 
$
34,737

Homeowners (Including mobile homeowners)
23,250

 
23,698

Other liability
2,081

 
1,988

Gross property and casualty
61,114

 
60,423

Reinsurance premium ceded
(5,830
)
 
(6,356
)
Net property and casualty written
$
55,284

 
$
54,067

Consolidated gross premiums written
$
67,424

 
$
66,809

Reinsurance premium ceded
(5,899
)
 
(6,420
)
Consolidated net premiums written
$
61,525

 
$
60,389
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 years ended December 31, 2016 and 2015, respectively:


Year ended
December 31,
 
2016
 
2015
Life, accident and health operations premiums earned:
 

 
Traditional life insurance
$
4,451

 
$
4,487

Accident and health insurance
1,852

 
1,877

Gross life, accident and health
6,303

 
6,364

Reinsurance premium ceded
(69
)
 
(64
)
Net life, accident and health premiums earned
$
6,234

 
$
6,300

Property and Casualty operations premiums earned:





Dwelling fire & extended coverage
$
35,367

 
$
33,789

Homeowners (Including mobile homeowners)
23,595

 
23,800

Other liability
2,032

 
1,929

Gross property and casualty
60,994

 
59,518

Reinsurance premium ceded
(5,830
)
 
(6,356
)
Net property and casualty earned
$
55,164

 
$
53,162

Consolidated gross premiums earned
$
67,297

 
$
65,882

Reinsurance premium ceded
(5,899
)
 
(6,420
)
Consolidated net premiums earned
$
61,398

 
$
59,462