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Financial Highlights
Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
 2013 Q42012 Q4 Y-Y
Ch (%)
2013 Q3 Q-Q
Ch (%)
Cash and Investments13,997,00013,021,0007.5013,601,00011.65
Total Reinsurance Assets573,000641,000(10.61)610,000(24.26)
Total Deferred Policy Acquisition Costs565,000470,00020.21576,000(7.64)
Intangible Assets000.0000.00
Separate Account Assets692,000734,000(5.72)700,000(4.57)
Total Assets17,662,00016,548,0006.7317,339,0007.45
Total Policy Reserves8,677,0008,317,0004.338,706,000(1.33)
Total Debt939,000931,0000.86936,0001.28
Total Liabilities11,592,00011,095,0004.4811,523,0002.40
Total Mezzanine Level Items000.0000.00
Common Equity6,070,0005,453,00011.315,816,00017.47
Total Equity6,070,0005,453,00011.315,816,00017.47
Shares Outstanding (actual)163,109,000162,874,0000.14164,000,000(2.17)
Income Statement ($000)
 2013 Q42012 Q4 Y-Y
Ch (%)
2013 Q3 Q-Q
Ch (%)
Total Policy Revenue1,025,000917,00011.78992,00013.31
Net Investment Income143,000138,0003.62133,00030.08
Realized Gains011,000NM22,000NM
Total Revenue1,172,0001,070,0009.531,152,0006.94
Total Policy Expenses664,000482,00037.76642,00013.71
Underwriting & Other Expenses327,000302,0008.28315,00015.24
Interest Expense14,00013,0007.6913,00030.77
Total Expenses1,005,000797,00026.10970,00014.43
Provision for Taxes45,00081,000(44.44)51,000(47.06)
Net Income122,000192,000(36.46)131,000(27.48)
Net Income After Taxes122,000192,000(36.46)131,000(27.48)
Per Share Items ($)
 2013 Q42012 Q4 Y-Y
Ch (%)
2013 Q3 Q-Q
Ch (%)
Diluted EPS Before Extraordinary0.741.17(36.75)0.79(25.32)
Diluted EPS After Extraordinary0.741.17(36.75)0.79(25.32)
Operating EPS0.721.11(35.14)0.7011.43
Book Value, Excluding FASB 11527.8525.947.3727.298.30
Dividends Declared0.42000.40753.070.42000.00
Underwriting Performance Ratios (%)
 2013 Q42012 Q4 Y-Y
Ch (bp)
2013 Q3 Q-Q
Ch (bp)
GAAP Loss Ratio62.6049.901,27062.2040
GAAP Expense Ratio31.3032.00(70)31.50(20)
GAAP Combined Ratio93.9081.901,20093.7020
Underwriting Analysis ($000)
 2013 Q42012 Q4 Y-Y
Ch (%)
2013 Q3 Q-Q
Ch (%)
Net Premiums Written970,000897,0008.141,088,000(43.38)
Balance Sheet Ratios (%)
 2013 Q42012 Q4 Y-Y
Ch (bp)
2013 Q3 Q-Q
Ch (bp)
Total Equity / Total Assets34.3732.9514133.5482
Tangible Equity / Tangible Assets34.3732.9514133.5482
Tangible Common Equity / Tangible Assets34.3732.9514133.5482
Policy Reserves / Equity (x)1.431.53(10)1.50(7)
Debt / Total Cap, at Book13.4014.58(119)13.86(47)
Cash & Investments / Assets79.2578.695678.4481
Profitability Ratios (%)
 2013 Q42012 Q4 Y-Y
Ch (bp)
2013 Q3 Q-Q
Ch (bp)
Operating ROAA2.724.43(171)2.702
Operating ROAE8.0113.54(553)8.06(5)
Investment Yield4.154.59(44)4.61(46)
Operating Margin15.4425.97(1,052)15.3113
   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.

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