Download - 2,532 NDIRF Membership 1986 - 2014. Schools Other City County 2014 MEMBERS’ PREMIUM DISTRIBUTION
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2,5322,532
NDIRF MembershipNDIRF Membership1986 - 20141986 - 2014
0
300
600
900
1200
1500
1800
2100
2400
2700
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SchoolsSchools
OtherOther
CityCity
CountyCounty16%
21%
34%
29%
2014 MEMBERS’ PREMIUM 2014 MEMBERS’ PREMIUM DISTRIBUTIONDISTRIBUTION
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Loss & Expenses Net Income
(in thousands)
29-Year Revenues29-Year Revenues
2,2672,267
13,32113,321
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40,49040,490
20,90320,903
(in (in thousands)thousands)
29-Year Balance Sheet29-Year Balance Sheet
Equity Liabilities
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(in thousands)(in thousands)
Net Written PremiumNet Written Premium
10,488 10,79811,101 11,610 12,195
0
2,000
4,000
6,000
8,000
10,000
12,000
14,000
2010 2011 2012 2013 2014
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(in thousands)(in thousands) LossesLosses
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Loss ReservesLoss Reserves
5,0006,0007,0008,0009,000
10,00011,00012,00013,00014,00015,000
2010 2011 2012 2013 2014
Total
(in thousands)
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46.1
59.753.4 51.5 53.2
0
10
20
30
40
50
60
70
2010 2011 2012 2013 2014
Total
Loss RatiosLoss Ratios
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Net EarningsNet Earnings
0
1,000
2,000
3,000
4,000
5,000
2010 2011 2012 2013 2014
2,736
4,274
1,762 1,743 2,267
(in thousands)(in thousands)
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(in (in thousands)thousands)
Member’s EquityMember’s Equity
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56,093 58,07760,190
61,775 63,216
25,000
30,000
35,000
40,000
45,000
50,000
55,000
60,000
65,000
2010 2011 2012 2013 2014
((in thousands)in thousands)
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0
5,000
10,000
15,000
20,000
25,000
30,000
2010 Ratio54%
2011 Ratio56%
2012 Ratio56%
2013 Ratio58%
2014 Ratio59%
Premium Surplus
Direct Premium to Surplus RatioDirect Premium to Surplus RatioNAIC: Insurance Regulatory Information System NAIC: Insurance Regulatory Information System
<300%<300%
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Liabilities to Liquid Assets RatioLiabilities to Liquid Assets RatioNAIC: Insurance Regulatory Information SystemNAIC: Insurance Regulatory Information System
<105%<105%
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Two-Year Operating RatioTwo-Year Operating RatioCombination of expenses, loss, and invest ratiosCombination of expenses, loss, and invest ratios
<100%<100%
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Combined Trade RatioCombined Trade Ratio<96% Expenses & Losses<96% Expenses & Losses
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InvestmentInvestment Yield RatioYield Ratio
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FIXED INCOME RATINGSFIXED INCOME RATINGS Average Rating AA/AAverage Rating AA/A
AAA
AA
Below BBB
A
BBB
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