| Accident Year Ending | Direct Earned Premium | Developed Loss Including ULAE | Ultimate Loss Ratio | Historic Expense | Underwriting Profit/Loss (Dollars $) | UNDERWRITING PROFIT/LOSS (PERCENT %) |
Return on Allocated Surplus (% of Surplus) | ||||
| Coverage X1 | 12/31/2012 | $2,595,019 | $577,472 | 22.3% | $903,067 | $1,114,480 | 42.9% | 82.1% | Calculated per state per lob | ||
| 12/31/2013 | $2,830,650 | $928,443 | 32.8% | $1,050,171 | $852,036 | 30.1% | 61.4% | ||||
| 12/31/2014 | $3,268,412 | $2,096,227 | 64.1% | $1,189,702 | -$17,517 | -0.5% | 12.1% | ||||
| 12/31/2015 | $3,833,694 | $1,048,872 | 27.4% | $1,326,458 | $1,458,364 | 38.0% | 74.2% | ||||
| 12/31/2016 | $4,090,153 | $947,264 | 23.2% | $1,345,660 | $1,797,229 | 43.9% | 83.7% | ||||
| Total | $16,617,928 | $5,598,278 | 33.7% | $5,815,058 | $5,204,592 | 31.3% | 63.4% | ||||
| Coverage X2 | 12/31/2012 | $5,516,452 | $6,650,128 | 120.6% | $1,919,725 | -$3,053,401 | -55.4% | -32.6% | |||
| 12/31/2013 | $6,050,235 | $3,715,295 | 61.4% | $2,244,637 | $90,303 | 1.5% | 6.3% | ||||
| 12/31/2014 | $7,033,216 | $6,754,950 | 96.0% | $2,560,091 | -$2,281,825 | -32.4% | -16.9% | ||||
| 12/31/2015 | $8,130,777 | $2,879,208 | 35.4% | $2,813,249 | $2,438,320 | 30.0% | 25.8% | ||||
| 12/31/2016 | $8,469,447 | $5,144,821 | 60.7% | $2,786,448 | $538,178 | 6.4% | 9.6% | ||||
| Total | $35,200,127 | $25,144,402 | 71.4% | $12,324,150 | -$2,268,425 | -6.4% | 0.9% | ||||
| Totals | 12/31/12 | $10,704,436 | $9,175,796 | 85.7% | $3,725,144 | -$2,196,504 | -20.5% | -10.4% | |||
| 12/31/13 | $11,690,526 | $6,218,654 | 53.2% | $4,337,185 | $1,134,687 | 9.7% | 14.2% | ||||
| 12/31/14 | $13,494,174 | $11,074,962 | 82.1% | $4,911,880 | -$2,492,668 | -18.5% | -8.7% | ||||
| 12/31/15 | $16,087,153 | $5,208,060 | 32.4% | $5,566,155 | $5,312,938 | 33.0% | 33.2% | ||||
| 12/31/16 | $17,616,631 | $7,486,287 | 42.5% | $5,795,871 | $4,334,473 | 24.6% | 26.4% | ||||
| TOTAL | $69,592,920 | $39,163,759 | 56.3% | $24,336,235 | $6,092,926 | 8.8% | 13.5% |