Consolidated Statements of Operations - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
REVENUES
Net premium earned	$ 6,978,698	$ 6,924,444	$ 19,760,961	$ 21,969,016
Investment income	518,108	487,538	1,581,482	1,384,748
Net realized investments gains (losses)	0	11	(12,661)	148
Other income	114,531	125,958	22,660	293,847
Total Insurance Company Operation	7,611,337	7,537,951	21,352,442	23,647,759
Gross commissions and fees	581,100	578,485	1,656,371	1,856,592
Investment income	3	21	12	216
Finance fees earned	66,526	44,575	169,896	97,051
Other income	0	2	10,818	9,759
Total Revenues	8,258,966	8,161,034	23,189,539	25,611,377
EXPENSES
Losses and loss adjustment expenses	5,137,974	5,638,620	15,351,368	18,369,580
Policy acquisition costs	1,194,870	1,375,222	3,571,065	4,512,203
Salaries and employee benefits	1,021,597	1,142,827	3,062,251	3,557,408
Commissions to agents/brokers	40,946	43,381	132,144	125,262
Other operating expenses	532,853	773,125	1,896,386	2,383,965
Total Expenses	7,928,240	8,973,175	24,013,214	28,948,418
Income (Loss) Before Income Taxes	330,726	(812,141)	(823,675)	(3,337,041)
Income Tax Expense (Benefit)	118,259	(150,216)	(88,391)	(636,161)
Net Income (Loss)	$ 212,467	$ (661,925)	$ (735,284)	$ (2,700,880)
Basic
Income (loss) per share	$ 0.04	$ (0.12)	$ (0.14)	$ (0.51)
Weighted average shares	5,306,747	5,307,113	5,306,929	5,307,126
Diluted
Income (loss) per share	$ 0.04	$ (0.12)	$ (0.14)	$ (0.51)
Weighted average shares	5,306,747	5,307,113	5,306,929	5,307,126