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CONSOLIDATED STATEMENTS OF INCOME (USD $)
In Thousands, except Share data, unless otherwise specified
12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
REVENUES      
Premiums earned (affiliated $534,105, $509,704 and $452,334) $ 540,722us-gaap_PremiumsEarnedNetPropertyAndCasualty $ 515,506us-gaap_PremiumsEarnedNetPropertyAndCasualty $ 458,846us-gaap_PremiumsEarnedNetPropertyAndCasualty
Investment income, net 46,465us-gaap_NetInvestmentIncome 43,022us-gaap_NetInvestmentIncome 44,145us-gaap_NetInvestmentIncome
Net realized investment gains, excluding impairment losses on securities available-for-sale 5,227us-gaap_MarketableSecuritiesRealizedGainLossExcludingOtherThanTemporaryImpairments 9,060us-gaap_MarketableSecuritiesRealizedGainLossExcludingOtherThanTemporaryImpairments 8,203us-gaap_MarketableSecuritiesRealizedGainLossExcludingOtherThanTemporaryImpairments
Total other-than-temporary impairment losses on securities available-for-sale (878)us-gaap_ImpairmentOfInvestments (63)us-gaap_ImpairmentOfInvestments (186)us-gaap_ImpairmentOfInvestments
Portion of other-than-temporary impairment losses on fixed maturity securities available-for-sale reclassified from other comprehensive income (before taxes) 0us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossBeforeTaxIncludingPortionAttributableToNoncontrollingInterestAvailableforsaleSecurities 0us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossBeforeTaxIncludingPortionAttributableToNoncontrollingInterestAvailableforsaleSecurities 0us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossBeforeTaxIncludingPortionAttributableToNoncontrollingInterestAvailableforsaleSecurities
Net impairment losses on securities available-for-sale (878)us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNetAvailableforsaleSecurities (63)us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNetAvailableforsaleSecurities (186)us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNetAvailableforsaleSecurities
Net realized investment gains 4,349us-gaap_GainLossOnInvestments 8,997us-gaap_GainLossOnInvestments 8,017us-gaap_GainLossOnInvestments
Other income (affiliated $1,784, $834 and $912) 2,931us-gaap_OtherIncome 460us-gaap_OtherIncome 834us-gaap_OtherIncome
Total revenues 594,467us-gaap_Revenues 567,985us-gaap_Revenues 511,842us-gaap_Revenues
LOSSES AND EXPENSES      
Losses and settlement expenses (affiliated $378,263, $326,130 and $298,798) 385,474us-gaap_IncurredClaimsPropertyCasualtyAndLiability 333,287us-gaap_IncurredClaimsPropertyCasualtyAndLiability 303,388us-gaap_IncurredClaimsPropertyCasualtyAndLiability
Dividends to policyholders (all affiliated) 9,504emci_PolicyholderDividendsFromAffiliates 10,864emci_PolicyholderDividendsFromAffiliates 8,630emci_PolicyholderDividendsFromAffiliates
Amortization of deferred policy acquisition costs (affiliated $97,551, $93,116 and $82,540) 99,042us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense 94,728us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense 84,275us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense
Other underwriting expenses (affiliated $57,148, $65,575 and $60,981) 56,826us-gaap_OtherSellingGeneralAndAdministrativeExpense 65,754us-gaap_OtherSellingGeneralAndAdministrativeExpense 60,919us-gaap_OtherSellingGeneralAndAdministrativeExpense
Interest expense (all affiliated) 337emci_InterestExpenseToAffiliates 384emci_InterestExpenseToAffiliates 900emci_InterestExpenseToAffiliates
Other expense (affiliated $1,570, $1,356 and $2,097) 2,377us-gaap_OtherCostAndExpenseOperating 2,115us-gaap_OtherCostAndExpenseOperating 2,097us-gaap_OtherCostAndExpenseOperating
Total losses and expenses 553,560us-gaap_BenefitsLossesAndExpenses 507,132us-gaap_BenefitsLossesAndExpenses 460,209us-gaap_BenefitsLossesAndExpenses
Income before income tax expense 40,907us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments 60,853us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments 51,633us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
INCOME TAX EXPENSE      
Current 7,280us-gaap_CurrentIncomeTaxExpenseBenefit 16,927us-gaap_CurrentIncomeTaxExpenseBenefit 11,594us-gaap_CurrentIncomeTaxExpenseBenefit
Deferred 3,635us-gaap_DeferredIncomeTaxExpenseBenefit 407us-gaap_DeferredIncomeTaxExpenseBenefit 2,073us-gaap_DeferredIncomeTaxExpenseBenefit
Total income tax expense 10,915us-gaap_IncomeTaxExpenseBenefit 17,334us-gaap_IncomeTaxExpenseBenefit 13,667us-gaap_IncomeTaxExpenseBenefit
Net income $ 29,992us-gaap_NetIncomeLoss $ 43,519us-gaap_NetIncomeLoss $ 37,966us-gaap_NetIncomeLoss
Net income per common share - basic and diluted $ 2.23us-gaap_EarningsPerShareBasicAndDiluted $ 3.33us-gaap_EarningsPerShareBasicAndDiluted $ 2.95us-gaap_EarningsPerShareBasicAndDiluted
Average number of common shares outstanding - basic and diluted (in shares) 13,470,623us-gaap_WeightedAverageNumberOfShareOutstandingBasicAndDiluted 13,086,612us-gaap_WeightedAverageNumberOfShareOutstandingBasicAndDiluted 12,886,667us-gaap_WeightedAverageNumberOfShareOutstandingBasicAndDiluted