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Segments (Tables)
 6 Months Ended
Jun. 30, 2017
Segment Reporting, Disclosure of Entity's Reportable Segments [Abstract]  
Schedule of Segment Reporting Information, by Segment
Total assets by industry segment at June 30, 2017 and at December 31, 2016 are summarized below (dollars in thousands):

 
 
Total
 
P&C Insurance Operations
 
Life Insurance Operations
 
Non-Insurance Operations
 
 
 
 
 
 
 
 
 
June 30, 2017
 
$
149,602

 
$
82,703

 
$
59,955

 
$
6,944

 
 


 
 
 
 
 
 
December 31, 2016
 
$
148,579

 
$
82,647

 
$
58,689

 
$
7,243


Premium revenues and operating income by business segment for the three and six months ended June 30, 2017 and 2016 are summarized below (dollars in thousands):

Three months ended June 30, 2017
Total
 
P&C Insurance Operations
 
Life Insurance Operations
 
Non-Insurance Operations
REVENUE
 
 
 
 
 
 
 
Net premiums earned
$
15,331

 
$
13,749

 
$
1,582

 
$
—

Net investment income
930

 
386

 
527

 
17

Net realized investment gains (losses)
77

 
60

 
17

 
—

Other income
145

 
145

 
—

 
—

 
16,483

 
14,340

 
2,126

 
17

BENEFITS AND EXPENSES
 

 
 

 
 

 
 

Policyholder benefits paid
12,581

 
11,274

 
1,307

 
—

Amortization of deferred policy acquisition costs
819

 
695

 
124

 
—

Commissions
1,758

 
1,689

 
69

 
—

General and administrative expenses
2,215

 
1,602

 
339

 
274

Taxes, licenses and fees
517

 
475

 
42

 
—

Interest expense
326

 
—

 
20

 
306

 
18,216

 
15,735

 
1,901

 
580

Income (Loss) Before Income Taxes
$
(1,733
)
 
$
(1,395
)
 
$
225

 
$
(563
)

Three months ended June 30, 2016
Total
 
P&C Insurance Operations
 
Life Insurance Operations
 
Non-Insurance Operations
REVENUE
 
 
 
 
 
 
 
Net premiums earned
$
15,227

 
$
13,646

 
$
1,581

 
$
—

Net investment income
1,029

 
455

 
559

 
15

Net realized investment gains
242

 
185

 
57

 
—

Other income
150

 
150

 
—

 
—

 
16,648

 
14,436

 
2,197

 
15

BENEFITS AND EXPENSES
 

 
 

 
 

 
 

Policyholder benefits paid
8,862

 
7,577

 
1,285

 
—

Amortization of deferred policy acquisition costs
906

 
695

 
211

 
—

Commissions
2,117

 
2,020

 
97

 
—

General and administrative expenses
2,158

 
1,704

 
310

 
144

Taxes, licenses and fees
574

 
529

 
45

 
—

Interest expense
333

 
—

 
20

 
313

 
14,950

 
12,525

 
1,968

 
457

Income (Loss) Before Income Taxes
$
1,698

 
$
1,911

 
$
229

 
$
(442
)

Six months ended June 30, 2017
Total
 
P&C Insurance Operations
 
Life Insurance Operations
 
Non-Insurance Operations
REVENUE
 
 
 
 
 
 
 
Net premiums earned
$
30,371

 
$
27,238

 
$
3,133

 
$
—

Net investment income
1,856

 
778

 
1,046

 
32

Net realized investment gains (losses)
237

 
60

 
177

 
—

Other income
297

 
295

 
2

 
—

 
32,761

 
28,371

 
4,358

 
32

BENEFITS AND EXPENSES
 

 
 

 
 

 
 

Policyholder benefits paid
23,727

 
21,192

 
2,535

 
—

Amortization of deferred policy acquisition costs
1,764

 
1,389

 
375

 
—

Commissions
3,851

 
3,713

 
138

 
—

General and administrative expenses
4,012

 
2,877

 
618

 
517

Taxes, licenses and fees
1,206

 
1,067

 
139

 
—

Interest expense
649

 
—

 
39

 
610

 
35,209

 
30,238

 
3,844

 
1,127

Income (Loss) Before Income Taxes
$
(2,448
)
 
$
(1,867
)
 
$
514

 
$
(1,095
)




Six months ended June 30, 2016
Total
 
P&C Insurance Operations
 
Life Insurance Operations
 
Non-Insurance Operations
REVENUE
 
 
 
 
 
 
 
Net premiums earned
$
30,392

 
$
27,247

 
$
3,145

 
$
—

Net investment income
2,020

 
908

 
1,080

 
32

Net realized investment gains
249

 
185

 
64

 
—

Other income
304

 
303

 
1

 
—

 
32,965

 
28,643

 
4,290

 
32

BENEFITS AND EXPENSES
 

 
 

 
 

 
 

Policyholder benefits paid
17,909

 
15,439

 
2,470

 
—

Amortization of deferred policy acquisition costs
1,693

 
1,391

 
302

 
—

Commissions
4,225

 
4,036

 
189

 
—

General and administrative expenses
4,287

 
3,125

 
815

 
347

Taxes, licenses and fees
1,174

 
1,064

 
110

 
—

Interest expense
678

 
—

 
38

 
640

 
29,966

 
25,055

 
3,924

 
987

Income (Loss) Before Income Taxes
$
2,999

 
$
3,588

 
$
366

 
$
(955
)
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 six months ended June 30, 2017 and 2016, respectively:
 
 
Three months ended
June 30,
 
Six months ended
June 30,
 
 
2017

2016
 
2017

2016
Life, accident and health operations premiums written:
 
 

 
 

 
 

Traditional life insurance
 
$
1,093

 
$
1,124

 
$
2,238

 
$
2,243

Accident and health insurance
 
406

 
409

 
829

 
827

Gross life, accident and health
 
1,499

 
1,533

 
3,067

 
3,070

Reinsurance premium ceded
 
(14
)
 
(23
)
 
(43
)
 
(48
)
Net life, accident and health premiums written
 
$
1,485

 
$
1,510

 
$
3,024

 
$
3,022

Property and Casualty operations premiums written:
 
 

 
 

 
 

Dwelling fire & extended coverage
 
$
10,040

 
$
9,716

 
$
19,471

 
$
18,908

Homeowners (Including mobile homeowners)
 
6,409

 
6,674

 
12,036

 
12,386

Other liability
 
590

 
570

 
1,133

 
1,093

Gross property and casualty
 
17,039

 
16,960

 
32,640

 
32,387

Reinsurance premium ceded
 
(1,707
)
 
(1,697
)
 
(2,809
)
 
(2,699
)
Net property and casualty written
 
$
15,332

 
$
15,263

 
$
29,831

 
$
29,688

Consolidated gross premiums written
 
$
18,538

 
$
18,493

 
$
35,707

 
$
35,457

Reinsurance premium ceded
 
(1,721
)
 
(1,720
)
 
(2,852
)
 
(2,747
)
Consolidated net premiums written
 
$
16,817

 
$
16,773

 
$
32,855

 
$
32,710
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 and six months ended June 30, 2017 and 2016, respectively:



Three months ended
June 30,
 
Six months ended
June 30,
 

2017

2016

2017

2016
Life, accident and health operations premiums earned:

 

 

 
Traditional life insurance

$
1,188

 
$
1,194


$
2,346

 
$
2,367

Accident and health insurance

408

 
410


830

 
826

Gross life, accident and health

1,596

 
1,604


3,176

 
3,193

Reinsurance premium ceded

(14
)
 
(23
)

(43
)
 
(48
)
Net life, accident and health premiums earned

$
1,582

 
$
1,581


$
3,133

 
$
3,145

Property and Casualty operations premiums earned:









Dwelling fire & extended coverage

$
9,032

 
$
8,807


$
17,848

 
$
17,469

Homeowners (Including mobile homeowners)

5,744

 
5,881


11,464

 
11,787

Other liability

527

 
503


1,040

 
996

Gross property and casualty

15,303

 
15,191


30,352

 
30,252

Reinsurance premium ceded

(1,554
)

(1,545
)

(3,114
)
 
(3,005
)
Net property and casualty earned

$
13,749


$
13,646


$
27,238

 
$
27,247

Consolidated gross premiums earned

$
16,899


$
16,795


$
33,528

 
$
33,445

Reinsurance premium ceded

(1,568
)

(1,568
)

(3,157
)
 
(3,053
)
Consolidated net premiums earned

$
15,331


$
15,227


$
30,371

 
$
30,392