Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Revenues
Gross premiums written	$ 68,212	$ 67,185	$ 220,463	$ 222,423
Ceded premiums written	(2,553)	(2,407)	(7,837)	(7,410)
Net premiums written	65,659	64,778	212,626	215,013
Net premiums earned	67,790	67,626	205,625	208,260
Net investment income	6,983	6,049	19,581	19,362
Net realized gains (losses) on investments	585	(8)	2,402	1,490
Net unrealized gains (losses) on equity securities	(4,082)	(771)	(12,984)	8,026
Fee and other income	104	149	352	415
Total revenues	71,380	73,045	214,976	237,553
Expenses
Loss and loss adjustment expenses incurred	37,725	29,661	115,792	101,601
Underwriting and certain other operating costs	7,426	6,503	19,100	19,769
Commissions	5,422	5,173	16,083	15,956
Salaries and benefits	6,737	6,239	19,428	19,612
Policyholder dividends	640	733	2,517	3,200
Provision for investment related credit loss expense (benefit)	(21)	15	60	(102)
Total expenses	57,929	48,324	172,980	160,036
Income before income taxes	13,451	24,721	41,996	77,517
Income tax expense	2,090	5,585	7,172	15,302
Net income	$ 11,361	$ 19,136	$ 34,824	$ 62,215
Earnings per share
Basic	$ 0.59	$ 0.99	$ 1.81	$ 3.22
Diluted	$ 0.59	$ 0.99	$ 1.80	$ 3.21
Shares used in computing earnings per share
Basic	19,198,320	19,344,636	19,267,602	19,328,041
Diluted	19,269,346	19,407,918	19,340,898	19,392,939
Cash dividends declared per common share	$ 0.31	$ 0.29	$ 0.93	$ 0.87