CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Investments
Fixed maturities held-to-maturity, at amortized cost (estimated fair value: 2021 - $650; 2020 - $946)	$ 608	$ 873
Fixed maturities available-for-sale, at estimated fair value (cost: 2021 - $92,186; 2020 - $76,241)	94,743	81,399
Equity securities, at estimated fair value (cost: 2021 - $1,609; 2020 - $1,918)	3,977	4,750
Trading securities	191	169
Receivable for securities sold	1,032	3
Mortgage loans on real estate, at cost	142	145
Investment real estate, at book value	2,671	2,934
Policy loans	1,767	1,846
Company owned life insurance	5,069	4,998
Other invested assets	1,619	2,033
Total Investments	111,819	99,150
Cash and cash equivalents	10,034	19,887
Accrued investment income	698	575
Policy receivables and agents' balances, net	14,379	12,345
Reinsurance recoverable	2,489	6,874
Deferred policy acquisition costs	7,332	7,408
Property and equipment, net	1,536	1,572
Income tax recoverable	280	1,311
Deferred income tax asset, net	2,403	706
Other assets	713	712
Total Assets	151,683	150,540
LIABILITIES AND SHAREHOLDERS' EQUITY
Property and casualty benefit and loss reserves	8,930	10,177
Accident and health benefit and loss reserves	4,349	4,144
Life and annuity benefit and loss reserves	34,966	34,731
Unearned premiums	34,107	31,166
Policy and contract claims	1,210	1,309
Other policyholder funds	1,302	1,342
Short-term notes payable and current portion of long-term debt	500	500
Long-term debt	12,690	13,177
Other liabilities	9,827	8,628
Total Liabilities	107,881	105,174
Contingencies
Shareholders' equity
Common stock	2,535	2,533
Additional paid-in capital	5,650	5,626
Accumulated other comprehensive income	2,021	3,585
Retained earnings	33,639	33,665
Treasury stock, at cost	(43)	(43)
Total Shareholders' Equity	43,802	45,366
Total Liabilities and Shareholders' Equity	$ 151,683	$ 150,540