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

 
 
Total
 
P&C Insurance Operations
 
Life Insurance Operations
 
Non-Insurance Operations
 
 
 
 
 
 
 
 
 
September 30, 2017
 
$
151,315

 
$
83,884

 
$
60,758

 
$
6,673

 
 


 
 
 
 
 
 
December 31, 2016
 
$
148,579

 
$
82,647

 
$
58,689

 
$
7,243


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

Three months ended September 30, 2017
Total
 
P&C Insurance Operations
 
Life Insurance Operations
 
Non-Insurance Operations
REVENUE
 
 
 
 
 
 
 
Net premiums earned
$
15,467

 
$
13,893

 
$
1,574

 
$
—

Net investment income
939

 
417

 
505

 
17

Net realized investment gains (losses)
75

 
63

 
12

 
—

Other income
150

 
149

 
1

 
—

 
16,631

 
14,522

 
2,092

 
17

BENEFITS AND EXPENSES
 

 
 

 
 

 
 

Policyholder benefits paid
11,184

 
9,865

 
1,319

 
—

Amortization of deferred policy acquisition costs
706

 
694

 
12

 
—

Commissions
2,096

 
2,015

 
81

 
—

General and administrative expenses
2,398

 
1,634

 
547

 
217

Taxes, licenses and fees
709

 
669

 
40

 
—

Interest expense
320

 
—

 
13

 
307

 
17,413

 
14,877

 
2,012

 
524

Income (Loss) Before Income Taxes
$
(782
)
 
$
(355
)
 
$
80

 
$
(507
)

Three months ended September 30, 2016
Total
 
P&C Insurance Operations
 
Life Insurance Operations
 
Non-Insurance Operations
REVENUE
 
 
 
 
 
 
 
Net premiums earned
$
15,675

 
$
14,016

 
$
1,659

 
$
—

Net investment income
1,005

 
449

 
540

 
16

Net realized investment gains
287

 
81

 
206

 
—

Other income
152

 
151

 
1

 
—

 
17,119

 
14,697

 
2,406

 
16

BENEFITS AND EXPENSES
 

 
 

 
 

 
 

Policyholder benefits paid
10,082

 
8,466

 
1,616

 
—

Amortization of deferred policy acquisition costs
758

 
696

 
62

 
—

Commissions
2,088

 
1,999

 
89

 
—

General and administrative expenses
2,026

 
1,428

 
400

 
198

Taxes, licenses and fees
529

 
482

 
47

 
—

Interest expense
339

 
—

 
19

 
320

 
15,822

 
13,071

 
2,233

 
518

Income (Loss) Before Income Taxes
$
1,297

 
$
1,626

 
$
173

 
$
(502
)

Nine months ended September 30, 2017
Total
 
P&C Insurance Operations
 
Life Insurance Operations
 
Non-Insurance Operations
REVENUE
 
 
 
 
 
 
 
Net premiums earned
$
45,838

 
$
41,131

 
$
4,707

 
$
—

Net investment income
2,795

 
1,195

 
1,551

 
49

Net realized investment gains (losses)
312

 
123

 
189

 
—

Other income
447

 
444

 
3

 
—

 
49,392

 
42,893

 
6,450

 
49

BENEFITS AND EXPENSES
 

 
 

 
 

 
 

Policyholder benefits paid
34,911

 
31,057

 
3,854

 
—

Amortization of deferred policy acquisition costs
2,470

 
2,083

 
387

 
—

Commissions
5,947

 
5,728

 
219

 
—

General and administrative expenses
6,410

 
4,511

 
1,165

 
734

Taxes, licenses and fees
1,915

 
1,736

 
179

 
—

Interest expense
969

 
—

 
52

 
917

 
52,622

 
45,115

 
5,856

 
1,651

Income (Loss) Before Income Taxes
$
(3,230
)
 
$
(2,222
)
 
$
594

 
$
(1,602
)




Nine months ended September 30, 2016
Total
 
P&C Insurance Operations
 
Life Insurance Operations
 
Non-Insurance Operations
REVENUE
 
 
 
 
 
 
 
Net premiums earned
$
46,067

 
$
41,263

 
$
4,804

 
$
—

Net investment income
3,025

 
1,357

 
1,620

 
48

Net realized investment gains
536

 
266

 
270

 
—

Other income
456

 
454

 
2

 
—

 
50,084

 
43,340

 
6,696

 
48

BENEFITS AND EXPENSES
 

 
 

 
 

 
 

Policyholder benefits paid
27,991

 
23,905

 
4,086

 
—

Amortization of deferred policy acquisition costs
2,451

 
2,087

 
364

 
—

Commissions
6,313

 
6,035

 
278

 
—

General and administrative expenses
6,313

 
4,553

 
1,215

 
545

Taxes, licenses and fees
1,703

 
1,546

 
157

 
—

Interest expense
1,017

 
—

 
57

 
960

 
45,788

 
38,126

 
6,157

 
1,505

Income (Loss) Before Income Taxes
$
4,296

 
$
5,214

 
$
539

 
$
(1,457
)
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, 2017 and 2016, respectively:
 
 
Three months ended
September 30,
 
Nine months ended
September 30,
 
 
2017

2016
 
2017

2016
Life, accident and health operations premiums written:
 
 

 
 

 
 

Traditional life insurance
 
$
1,081

 
$
1,112

 
$
3,319

 
$
3,355

Accident and health insurance
 
550

 
562

 
1,379

 
1,389

Gross life, accident and health
 
1,631

 
1,674

 
4,698

 
4,744

Reinsurance premium ceded
 
(23
)
 
(10
)
 
(66
)
 
(58
)
Net life, accident and health premiums written
 
$
1,608

 
$
1,664

 
$
4,632

 
$
4,686

Property and Casualty operations premiums written:
 
 

 
 

 
 

Dwelling fire & extended coverage
 
$
9,427

 
$
8,947

 
$
28,898

 
$
27,855

Homeowners (Including mobile homeowners)
 
5,651

 
6,017

 
17,687

 
18,403

Other liability
 
537

 
528

 
1,670

 
1,621

Gross property and casualty
 
15,615

 
15,492

 
48,255

 
47,879

Reinsurance premium ceded
 
(1,724
)
 
(1,516
)
 
(4,533
)
 
(4,215
)
Net property and casualty written
 
$
13,891

 
$
13,976

 
$
43,722

 
$
43,664

Consolidated gross premiums written
 
$
17,246

 
$
17,166

 
$
52,953

 
$
52,623

Reinsurance premium ceded
 
(1,747
)
 
(1,526
)
 
(4,599
)
 
(4,273
)
Consolidated net premiums written
 
$
15,499

 
$
15,640

 
$
48,354

 
$
48,350
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 nine months ended September 30, 2017 and 2016, respectively:



Three months ended
September 30,
 
Nine months ended
September 30,
 

2017

2016

2017

2016
Life, accident and health operations premiums earned:

 

 

 
Traditional life insurance

$
1,049

 
$
1,108


$
3,395

 
$
3,475

Accident and health insurance

548

 
561


1,378

 
1,387

Gross life, accident and health

1,597

 
1,669


4,773

 
4,862

Reinsurance premium ceded

(23
)
 
(10
)

(66
)
 
(58
)
Net life, accident and health premiums earned

$
1,574

 
$
1,659


$
4,707

 
$
4,804

Property and Casualty operations premiums earned:









Dwelling fire & extended coverage

$
9,218

 
$
8,941


$
27,066

 
$
26,410

Homeowners (Including mobile homeowners)

5,715

 
5,923


17,179

 
17,710

Other liability

532

 
515


1,572

 
1,511

Gross property and casualty

15,465

 
15,379


45,817

 
45,631

Reinsurance premium ceded

(1,572
)

(1,363
)

(4,686
)
 
(4,368
)
Net property and casualty earned

$
13,893


$
14,016


$
41,131

 
$
41,263

Consolidated gross premiums earned

$
17,062


$
17,048


$
50,590

 
$
50,493

Reinsurance premium ceded

(1,595
)

(1,373
)

(4,752
)
 
(4,426
)
Consolidated net premiums earned

$
15,467


$
15,675


$
45,838

 
$
46,067