National Security (NSEC) 10-Q 11 Aug 17 2017 Q2 Quarterly report Financial data

Document and Entity Information

Document and Entity Information Document - shares	6 Months Ended
	Jun. 30, 2017	Aug. 11, 2017
Document and Entity Information [Abstract]
Entity Registrant Name	NATIONAL SECURITY GROUP INC
Entity Central Index Key	865,058
Current Fiscal Year End Date	--12-31
Entity Filer Category	Smaller Reporting Company
Document Type	10-Q
Document Period End Date	Jun. 30, 2017
Document Fiscal Year Focus	2,017
Document Fiscal Period Focus	Q2
Amendment Flag	false
Entity Common Stock, Shares Outstanding		2,522,312

CONDENSED CONSOLIDATED BALANCE

CONDENSED CONSOLIDATED BALANCE SHEETS - USD ($)	Jun. 30, 2017	Dec. 31, 2016
Investments
Fixed maturities held-to-maturity, at amortized cost (estimated fair value: 2017 - $1,789; 2016 - $1,930)	$ 1,741,000	$ 1,890,000
Fixed maturities available-for-sale, at estimated fair value (cost: 2017 - $91,466; 2016 - $92,837)	92,649,000	92,792,000
Equity securities available-for-sale, at estimated fair value (cost: 2017 - $2,044; 2016 - $2,343)	4,699,000	4,943,000
Trading securities	107,000	107,000
Receivable for securities sold	0	499,000
Mortgage loans on real estate, at cost	164,000	174,000
Investment real estate, at book value	3,221,000	3,221,000
Policy loans	1,747,000	1,708,000
Company owned life insurance	4,920,000	4,864,000
Other invested assets	2,790,000	2,958,000
Total Investments	112,038,000	113,156,000
Cash and cash equivalents	8,005,000	7,368,000
Accrued investment income	733,000	776,000
Policy receivables and agents' balances, net	13,032,000	11,434,000
Reinsurance recoverable	506,000	1,780,000
Deferred policy acquisition costs	8,518,000	8,351,000
Property and equipment, net	1,852,000	1,880,000
Accrued income tax recoverable	1,839,000	941,000
Deferred income tax asset, net	2,145,000	2,402,000
Other assets	934,000	491,000
Total Assets	149,602,000	148,579,000
LIABILITIES AND SHAREHOLDERS' EQUITY
Property and casualty benefit and loss reserves	7,603,000	7,531,000
Accident and health benefit and loss reserves	3,385,000	3,405,000
Life and annuity benefit and loss reserves	32,945,000	32,633,000
Unearned premiums	32,474,000	29,968,000
Policy and contract claims	833,000	1,008,000
Other policyholder funds	1,669,000	1,629,000
Short-term notes payable and current portion of long-term debt	1,300,000	1,800,000
Long-term debt	15,332,000	15,326,000
Other liabilities	6,544,000	7,227,000
Total Liabilities	102,085,000	100,527,000
Contingencies
Shareholders' equity
Common stock	2,522,000	2,517,000
Additional paid-in capital	5,483,000	5,412,000
Accumulated other comprehensive income	1,963,000	1,007,000
Retained earnings	37,549,000	39,116,000
Total Shareholders' Equity	47,517,000	48,052,000
Total Liabilities and Shareholders' Equity	$ 149,602,000	$ 148,579,000

CONDENSED CONSOLIDATED BALANCE3

CONDENSED CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2017	Dec. 31, 2016
Investments
Fixed maturities held-to-maturity, at estimated fair value	$ 1,789	$ 1,930
Fixed maturities available-for-sale, at cost	91,466	92,837
Equity securities available-for-sale, at cost	$ 2,044	$ 2,343

CONDENSED CONSOLIDATED STATEMEN

CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2017	Jun. 30, 2016	Jun. 30, 2017	Jun. 30, 2016
REVENUES
Net premiums earned	$ 15,331	$ 15,227	$ 30,371	$ 30,392
Net investment income	930	1,029	1,856	2,020
Net realized investment gains	77	242	237	249
Other income	145	150	297	304
Total Revenues	16,483	16,648	32,761	32,965
BENEFITS, LOSSES AND EXPENSES
Policyholder benefits and settlement expenses	12,581	8,862	23,727	17,909
Amortization of deferred policy acquisition costs	819	906	1,764	1,693
Commissions	1,758	2,117	3,851	4,225
General and administrative expenses	2,215	2,158	4,012	4,287
Taxes, licenses and fees	517	574	1,206	1,174
Interest expense	326	333	649	678
Total Benefits, Losses and Expenses	18,216	14,950	35,209	29,966
Income (Loss) Before Income Taxes	(1,733)	1,698	(2,448)	2,999
INCOME TAX EXPENSE (BENEFIT)
Current	(572)	399	(897)	620
Deferred	(162)	3	(236)	142
Total income tax expense	(734)	402	(1,133)	762
Net Income (Loss)	$ (999)	$ 1,296	$ (1,315)	$ 2,237
INCOME (LOSS) PER COMMON SHARE BASIC AND DILUTED (in dollars per share)	$ (0.39)	$ 0.52	$ (0.52)	$ 0.89
DIVIDENDS DECLARED PER SHARE (in dollars per share)	$ 0.050	$ 0.045	$ 0.10	$ 0.090

CONDENSED CONSOLIDATED STATEME5

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2017	Jun. 30, 2016	Jun. 30, 2017	Jun. 30, 2016
Statement of Comprehensive Income [Abstract]
Net income (loss)	$ (999)	$ 1,296	$ (1,315)	$ 2,237
Other comprehensive income (loss), net of tax
Unrealized gains on securities, net of reclassification adjustment of $155 and $172 for 2017 and 2016, respectively	502	1,130	846	2,288
Unrealized gain (loss) on interest rate swap	40	21	110	(81)
Other comprehensive income, net of tax	542	1,151	956	2,207
Comprehensive income (loss)	$ (457)	$ 2,447	$ (359)	$ 4,444

CONDENSED CONSOLIDATED STATEME6

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (Parenthetical) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2017	Jun. 30, 2016
Statement of Comprehensive Income [Abstract]
Reclassification adjustment	$ 155	$ 172

CONDENSED CONSOLIDATED STATEME7

CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY - 6 months ended Jun. 30, 2017 - USD ($) $ in Thousands	Total	Retained Earnings	Accumulated Other Comprehensive Income	Common Stock	Additional Paid-in Capital
Balance at Dec. 31, 2016	$ 48,052	$ 39,116	$ 1,007	$ 2,517	$ 5,412
Net loss	(1,315)	(1,315)
Other comprehensive income (loss) (net of tax)	956		956
Common stock issued	76			5	71
Cash dividends	(252)	(252)
Balance at Jun. 30, 2017	$ 47,517	$ 37,549	$ 1,963	$ 2,522	$ 5,483

CONDENSED CONSOLIDATED STATEME8

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2017	Jun. 30, 2016
Cash Flows from Operating Activities
Net income (loss)	$ (1,315)	$ 2,237
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Depreciation expense and amortization/accretion, net	265	154
Decrease in cash surrender value of company owned life insurance	(56)	(53)
Net realized gains on investments	(237)	(249)
Deferred income taxes	(236)	142
Amortization of deferred policy acquisition costs	1,764	1,693
Changes in assets and liabilities:
Change in receivable for securities sold	499	0
Change in accrued investment income	43	(6)
Change in reinsurance recoverable	1,274	1,116
Policy acquisition costs deferred	(1,931)	(1,898)
Change in accrued income taxes	(898)	(30)
Change in net policy liabilities and claims	1,090	(1,319)
Change in other assets/liabilities, net	(715)	(436)
Other, net	6	8
Net cash provided by (used in) operating activities	(447)	1,359
Cash Flows from Investing Activities
Available-for-sale securities	(8,467)	(14,278)
Property and equipment	(51)	(84)
Held-to-maturity securities	139	213
Available-for-sale securities	10,202	10,317
Property and equipment	2	0
Other invested assets, net	(29)	(29)
Net cash provided by (used in) investing activities	1,796	(3,861)
Cash Flows from Financing Activities
Change in other policyholder funds	40	28
Change in short-term notes payable	(500)	0
Dividends paid	(252)	(226)
Net cash used in financing activities	(712)	(198)
Net change in cash and cash equivalents	637	(2,700)
Cash and cash equivalents, beginning of year	7,368	6,763
Cash and cash equivalents, end of period	$ 8,005	$ 4,063

Significant Accounting Policies

Significant Accounting Policies	6 Months Ended
	Jun. 30, 2017
Accounting Policies [Abstract]
Significant Accounting Policies	SIGNIFICANT ACCOUNTING POLICIES Principles of Consolidation and Basis of Presentation The accompanying condensed consolidated financial statements include the accounts of The National Security Group, Inc. (the Company) and its wholly-owned subsidiaries: National Security Insurance Company (NSIC), National Security Fire and Casualty Company (NSFC) and NATSCO, Inc. (NATSCO). NSFC includes a wholly-owned subsidiary, Omega One Insurance Company (Omega). The accompanying condensed consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (GAAP). In the opinion of management, all adjustments, consisting of normal and recurring items, necessary for the fair presentation of the condensed consolidated financial statements have been included. All significant intercompany transactions and accounts have been eliminated. The financial information presented herein should be read in conjunction with the Company’s Annual Report on Form 10-K for the year ended December 31, 2016, which includes information and disclosures not presented herein. Use of Estimates The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the condensed consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Among the more significant estimates included in these condensed consolidated financial statements are reserves for future life insurance policy benefits, liabilities for losses and loss adjustment expenses, reinsurance recoverable associated with loss and loss adjustment expense liabilities, deferred policy acquisition costs, deferred income tax assets and liabilities, assessments of other-than-temporary impairments on investments and accruals for contingencies. Actual results could differ from these estimates. Earnings Per Share Earnings per share of common stock is based on the weighted average number of shares outstanding during each year. The adjusted weighted average shares outstanding were 2,518,520 at June 30, 2017 and 2,513,559 at June 30, 2016. The Company did not have any dilutive securities as of June 30, 2017 and 2016. Reclassifications Certain 2016 amounts have been reclassified from the prior year condensed consolidated financial statements to conform to the 2017 presentation. Concentration of Credit Risk The Company maintains cash balances which are generally held in non-interest bearing demand deposit accounts subject to FDIC insured limits of $250,000 per entity. At June 30, 2017 , the net amount exceeding FDIC insured limits was $ 5,928,000 at two financial institutions. The Company has not experienced any losses in such accounts. Management of the Company reviews financial information of financial institutions on a quarterly basis and believes the Company is not exposed to any significant credit risk on cash and cash equivalents. Policy receivables are reported at unpaid balances. Policy receivables are generally offset by associated unearned premium liabilities and are not subject to significant credit risk. Receivables from agents, less provision for credit losses, are composed of balances due from independent agents. At June 30, 2017 , the single largest balance due from one agent totaled $1,142,000 . Reinsurance contracts do not relieve the Company of its obligations to policyholders. A failure of a reinsurer to meet their obligation could result in losses to the insurance subsidiaries. Allowances for losses are established if amounts are believed to be uncollectible. At June 30, 2017 and December 31, 2016, no amounts were deemed uncollectible. The Company, at least annually, evaluates the financial condition of all reinsurers and evaluates any potential concentrations of credit risk. At June 30, 2017 , management does not believe the Company is exposed to any significant credit risk related to its reinsurance program. Accounting Changes Not Yet Adopted Revenue from Contracts with Customers In May 2014, the Financial Accounting Standards Board (FASB) issued guidance on a comprehensive new revenue recognition standard. This standard will not impact accounting for insurance contracts, leases, financial instruments and guarantees. For those contracts that are impacted by the new guidance, the guidance will require an entity to recognize revenue upon the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled to, in exchange for those goods or services. The guidance requires additional disclosure about the nature, amount, timing and uncertainty of revenue and cash flows arising from customer contracts, including significant judgments and changes in judgments and assets recognized from costs incurred to obtain or fulfill a contract. In August 2015, the FASB issued a deferral of the effective date by one year. This guidance is effective retrospectively for fiscal years beginning after December 15, 2017 and interim periods within those years. Early adoption of this standard is permitted only as of annual reporting periods beginning after December 15, 2016, including interim reporting periods within that reporting period. Although insurance contracts are specifically scoped out of this new guidance, the Company has minor services that may be subject to the new revenue recognition guidance and does not expect the guidance to have a material impact on its condensed consolidated financial statements. Recognition and Measurement of Financial Assets and Financial Liabilities In January 2016, the FASB issued guidance that requires equity investments (except those accounted for under the equity method of accounting or those that result in consolidation of the investee) to be measured at fair value with changes in fair value recognized in net income. The guidance requires entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes and requires separate presentation of financial assets and financial liabilities by measurement category and form of financial asset. The guidance eliminates the requirement for public companies to disclose the method(s) and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost. This guidance is effective for fiscal years beginning after December 15, 2017 and interim periods within those fiscal years. The Company does not expect the adoption to have a material impact on its financial position or results of operations. Leases In February 2016, the FASB issued guidance that requires lessees (for capital and operating leases) to recognize the lease liability and right-of-use asset at the commencement date of the lease. This guidance is effective for fiscal years beginning after December 15, 2018, including interim periods within those years. The Company does not expect the adoption to have a material impact on its financial position or results of operations. Contingent Put and Call Options in Debt Instruments In March 2016, the FASB issued guidance that clarifies the requirements for assessing whether contingent call (put) options that can accelerate the payment of principal on debt instruments are clearly and closely related to their debt hosts. This guidance is effective for fiscal years beginning after December 15, 2019, including interim periods within those years. The Company does not expect the adoption to have a material impact on its financial position or results of operations. Financial Instruments - Credit Losses In June 2016, the FASB issued guidance that replaces the incurred loss impairment methodology in current GAAP with a methodology that reflects expected credit losses and requires consideration of a broader range of reasonable and supportable information to inform credit loss estimates. This guidance is effective for fiscal years beginning after December 15, 2019, including interim periods within those years. The Company does not expect the adoption to have a material impact on its financial position or results of operations. Classification of Certain Cash Receipts and Cash Payments In August 2016, the FASB issued guidance that clarifies how certain cash receipts and cash payments shall be presented and classified in the statement of cash flows. This guidance addresses eight specific cash flow issues with the objective of reducing the existing diversity in practice. The guidance is effective for annual and interim reporting periods beginning after December 15, 2017. The Company does not expect the adoption of this new guidance to have a significant impact on our financial position, results of operations or cash flows. Receivables - Nonrefundable Fees and Other Costs In March 2017, the FASB issued guidance that shortens the amortization period for certain callable debt securities held at a premium and requires the premium to be amortized to the earliest call date. The guidance is effective for fiscal years beginning after December 15, 2018 and interim reporting periods within those fiscal years. The Company does not expect the adoption of this new guidance to have a significant impact on our financial position, results of operations or cash flows. Compensation - Stock Compensation In May 2017, the FASB issued guidance to provide clarity and reduce diversity in practice as well as cost and complexity when there is a change in the terms or conditions of a share-based payment award. The guidance is effective for fiscal years beginning after December 15, 2017 and interim periods within those fiscal years. The Company does not expect adoption of this guidance to have a significant impact on our financial position, results of operations or cash flows. Recently Adopted Accounting Standards None

Variable Interest Entities

Variable Interest Entities	6 Months Ended
	Jun. 30, 2017
Variable Interest Entities [Abstract]
Variable Interest Entities	VARIABLE INTEREST ENTITIES The Company holds a passive interest in a limited partnership that is considered to be a Variable Interest Entity (VIE) under the provisions of ASC 810 Consolidation . The Company is not the primary beneficiary of the entity and is not required to consolidate under ASC 810. The entity is a private placement investment fund formed for the purpose of investing in private equity investments. The Company owns less than 1% of the limited partnership. The carrying value of the investment totals $228,000 and is included as a component of Other Invested Assets in the accompanying consolidated balance sheets. In December 2005, the Company formed National Security Capital Trust I, a statutory trust created under the Delaware Statutory Trust Act, for the sole purpose of issuing, in private placement transactions, $9,000,000 of trust preferred securities (TPS) and using the proceeds thereof, together with the equity proceeds received from the Company in the initial formation of the Trust, to purchase $9,279,000 of variable rate subordinated debentures issued by the Company. The Company owns all voting securities of the Trust and the subordinated debentures are the sole assets of the Trust. The Trust will meet the obligations of the TPS with the interest and principal paid on the subordinated debentures. The Company received net proceeds from the TPS transactions, after commissions and other costs of issuance, of $9,005,000 . The Company also holds all the voting securities issued by the Trust and such trusts are considered to be VIE's. The Trust is not consolidated because the Company is not the primary beneficiary of the trust. The Subordinated Debentures, disclosed in Note 7, are reported in the accompanying condensed consolidated balance sheets as a component of long-term debt. The Company's equity investments in the Trust total $279,000 and are included in Other Assets in the accompanying consolidated balance sheets. In June 2007, the Company formed National Security Capital Trust II for the sole purpose of issuing, in private placement transactions, $3,000,000 of trust preferred securities (TPS) and using the proceeds thereof, together with the equity proceeds received from the Company in the initial formation of the Trust, to purchase $3,093,000 unsecured junior subordinated deferrable interest debentures. The Company owns all voting securities of the Trust and the subordinated debentures are the sole assets of the Trust. The Trust will meet the obligations of the TPS with the interest and principal paid on the subordinated debentures. The Company received net proceeds from the TPS transactions, after commissions and other costs of issuance, of $2,995,000 . The Company also holds all the voting securities issued by the Trust and such trusts are considered to be VIE's. The Trust is not consolidated because the Company is not the primary beneficiary of the Trust. The Subordinated Debentures, disclosed in Note 7, are reported in the accompanying condensed consolidated balance sheets as a component of long-term debt. The Company's equity investments in the Trust total $93,000 and are included in Other Assets in the accompanying consolidated balance sheets.

Investments

Investments	6 Months Ended
	Jun. 30, 2017
Investments [Abstract]
Investments	INVESTMENTS The amortized cost and aggregate fair values of investments in available-for-sale securities as of June 30, 2017 are as follows ( dollars in thousands ): Available-for-sale securities: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Corporate debt securities $ 39,520 $ 1,200 $ 722 $ 39,998 Mortgage backed securities 10,238 134 191 10,181 Private label asset backed securities 9,962 281 18 10,225 Obligations of states and political subdivisions 13,268 498 74 13,692 U.S. Treasury securities and obligations of U.S. Government corporations and agencies 18,478 267 192 18,553 Total fixed maturities 91,466 2,380 1,197 92,649 Equity securities 2,044 2,655 — 4,699 Total $ 93,510 $ 5,035 $ 1,197 $ 97,348 The amortized cost and aggregate fair values of investments in held-to-maturity securities as of June 30, 2017 are as follows ( dollars in thousands ): Held-to-maturity securities: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Mortgage backed securities $ 1,736 $ 48 $ — $ 1,784 U.S. Treasury securities and obligations of U.S. Government corporations and agencies 5 — — 5 Total $ 1,741 $ 48 $ — $ 1,789 The amortized cost and aggregate fair values of investments in available-for-sale securities as of December 31, 2016 are as follows ( dollars in thousands ): Available-for-sale securities: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Corporate debt securities $ 40,533 $ 748 $ 878 $ 40,403 Mortgage backed securities 10,970 134 173 10,931 Private label asset backed securities 7,910 29 165 7,774 Obligations of states and political subdivisions 14,806 507 147 15,166 U.S. Treasury securities and obligations of U.S. Government corporations and agencies 18,618 208 308 18,518 Total fixed maturities 92,837 1,626 1,671 92,792 Equity securities 2,343 2,628 28 4,943 Total $ 95,180 $ 4,254 $ 1,699 $ 97,735 The amortized cost and aggregate fair values of investments in held-to-maturity securities as of December 31, 2016 are as follows ( dollars in thousands ): Held-to-maturity securities: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Mortgage backed securities $ 1,863 $ 38 $ — $ 1,901 U.S. Treasury securities and obligations of U.S. Government corporations and agencies 27 2 — 29 Total $ 1,890 $ 40 $ — $ 1,930 The amortized cost and aggregate fair value of debt securities at June 30, 2017 , by contractual maturity, are presented in the following table ( dollars in thousands ). Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. (Dollars in Thousands) Amortized Cost Fair Value Available-for-sale securities: Due in one year or less $ 1,240 $ 1,254 Due after one year through five years 15,766 15,881 Due after five years through ten years 32,905 33,456 Due after ten years 41,555 42,058 Total $ 91,466 $ 92,649 Held-to-maturity securities: Due in one year or less $ 13 $ 13 Due after one year through five years 1 1 Due after five years through ten years 70 76 Due after ten years 1,657 1,699 Total $ 1,741 $ 1,789 A summary of securities available-for-sale with unrealized losses as of June 30, 2017 , along with the related fair value, aggregated by the length of time that investments have been in a continuous unrealized loss position, is as follows ( dollars in thousands ): Less than 12 months 12 months or longer Total June 30, 2017 Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Total Securities in a Loss Position Fixed maturities Corporate debt securities $ 8,639 $ 225 $ 3,571 $ 497 $ 12,210 $ 722 23 Mortgage backed securities 5,545 86 752 105 6,297 191 15 Private label asset backed securities 947 18 — — 947 18 1 Obligations of state and political subdivisions 3,330 66 496 8 3,826 74 9 U.S. Treasury securities and obligations of U.S. Government corporations and agencies 8,548 155 1,316 37 9,864 192 13 $ 27,009 $ 550 $ 6,135 $ 647 $ 33,144 $ 1,197 61 There were no securities held-to-maturity with unrealized losses as of June 30, 2017 . A summary of securities available-for-sale with unrealized losses as of December 31, 2016 , along with the related fair value, aggregated by the length of time that investments have been in a continuous unrealized loss position, is as follows ( dollars in thousands ): Less than 12 months 12 months or longer Total December 31, 2016 Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Total Securities in a Loss Position Fixed maturities Corporate debt securities $ 14,036 $ 396 $ 2,594 $ 482 $ 16,630 $ 878 33 Mortgage backed securities 4,235 84 847 89 5,082 173 16 Private label asset backed securities 1,774 53 3,261 112 5,035 165 11 Obligations of state and political subdivisions 4,154 147 — — 4,154 147 9 U.S. Treasury securities and obligations of U.S. Government corporations and agencies 11,421 294 291 14 11,712 308 16 Equity securities — — 1,258 28 1,258 28 1 $ 35,620 $ 974 $ 8,251 $ 725 $ 43,871 $ 1,699 86 There were no securities held-to-maturity with unrealized losses as of December 31, 2016 . The Company conducts periodic reviews to identify and evaluate securities in an unrealized loss position in order to identify other-than-temporary impairments. For securities in an unrealized loss position, the Company assesses whether the Company has the intent to sell the security or more-likely-than-not will be required to sell the security before the anticipated recovery. If either of these conditions is met, the Company is required to recognize an other-than-temporary impairment with the entire unrealized loss reported in earnings. For securities in an unrealized loss position that do not meet these conditions, the Company assesses whether the impairment of a security is other-than-temporary. If the impairment is determined to be other-than-temporary, the Company is required to separate the other-than-temporary impairments into two components: the amount representing the credit loss and the amount related to all other factors. The credit loss is the portion of the amortized book value in excess of the net present value of the projected future cash flows discounted at the effective interest rate implicit in the debt security prior to impairment. The credit loss component of other-than-temporary impairments is reported in earnings, whereas the amount relating to factors other than credit losses are recorded in other comprehensive income, net of taxes. Management has evaluated each security in a significant unrealized loss position. The Company has no material exposure to sub-prime mortgage loans and approximately 6.44% of the fixed income investment portfolio is rated below investment grade. In evaluating whether or not the equity loss positions were other-than-temporary impairments, Management evaluated financial information on each company and where available, reviewed analyst reports from at least two independent sources. Based on a review of the available financial information, the prospect for future earnings of each company and consideration of the Company’s intent and ability to hold the securities until market values recovered, it was determined that the securities in an accumulated loss position in the portfolio were temporary impairments. For the six months ended June 30, 2017 and year ended December 31, 2016, the Company realized no other-than-temporary impairments. At June 30, 2017, the single largest loss not realized as an impairment was in the bond portfolio and totaled $327,000 . The second largest loss position was in the bond portfolio and totaled $86,000 . The third largest loss position was in the bond portfolio and totaled $77,000 . At December 31, 2016, the single largest loss not realized as an impairment was in the bond portfolio and totaled $340,000 . The second largest loss position was in the bond portfolio and totaled $85,000 . The third largest loss position was in the bond portfolio and totaled $66,000 . Major categories of investment income are summarized as follows (dollars in thousands): Three months ended Six months ended June 30, 2017 2016 2017 2016 Fixed maturities $ 841 $ 948 $ 1,658 $ 1,849 Equity securities 24 26 48 54 Mortgage loans on real estate 3 6 5 7 Investment real estate — 2 2 4 Policy loans 33 32 66 64 Company owned life insurance change in surrender value 14 19 57 53 Other 42 26 87 75 957 1,059 1,923 2,106 Less: Investment expenses 27 30 67 86 Net investment income $ 930 $ 1,029 $ 1,856 $ 2,020 Major categories of realized investment gains and losses are summarized as follows (dollars in thousands): Three months ended Six months ended June 30, 2017 2016 2017 2016 Fixed maturities $ 75 $ 243 $ 235 $ 260 Other, principally real estate 2 (1 ) 2 (11 ) Net realized investment gains $ 77 $ 242 $ 237 $ 249 An analysis of the net change in unrealized appreciation on available-for-sale securities follows (dollars in thousands): June 30, 2017 December 31, 2016 Net change in unrealized appreciation on available-for-sale securities before deferred tax $ 1,282 $ 343 Deferred income tax (436 ) (117 ) Net change in unrealized appreciation on available-for-sale securities $ 846 $ 226

Fair Value of Financial Assets

Fair Value of Financial Assets and Financial Liabilities	6 Months Ended
	Jun. 30, 2017
Fair Value Disclosures [Abstract]
Fair Value of Financial Assets and Financial Liabilities	FAIR VALUE OF FINANCIAL ASSETS AND FINANCIAL LIABILITIES Our available-for-sale securities consists of fixed maturity and equity securities which are recorded at fair value in the accompanying consolidated balance sheets. The change in the fair value of these investments, unless deemed to be other-than-temporarily impaired, is recorded as a component of other comprehensive income. We are permitted to elect to measure financial instruments and certain other items at fair value, with the change in fair value recorded in earnings. We elected not to measure any eligible items using the fair value option. Accounting standards define fair value as the price that would be received to sell an asset or would be paid to transfer a liability in an orderly transaction between market participants at the measurement date, and establishes a framework to make the measurement of fair value more consistent and comparable. In determining fair value, we primarily use prices and other relevant information generated by market transactions involving identical or comparable assets. The Company categorizes assets and liabilities carried at their fair value based upon a fair value hierarchy: Level 1 – Quoted prices in active markets for identical assets or liabilities that the Company has the ability to access at the measurement date. Level 1 assets and liabilities consist of money market fund deposits and certain of our marketable debt and equity instruments, including equity instruments offsetting deferred compensation, that are traded in an active market with sufficient volume and frequency of transactions. Level 2 - Observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets with insufficient volume or infrequent transactions (less active markets); or model-derived valuations in which all significant inputs are observable or can be derived principally from or corroborated by observable market data for substantially the full term of the assets or liabilities. Level 2 assets include certain of our marketable debt and equity instruments with quoted market prices that are traded in less active markets or priced using a quoted market price for similar instruments. Level 2 assets also include marketable equity instruments with security-specific restrictions that would transfer to the buyer, marketable debt instruments priced using indicator prices which represent non-binding market consensus prices that can be corroborated by observable market quotes, as well as derivative contracts and debt instruments priced using inputs that are observable in the market or can be derived principally from or corroborated by observable market data. Marketable debt instruments in this category generally include commercial paper, bank time deposits, repurchase agreements for fixed-income instruments, and a majority of floating-rate notes, corporate bonds, and municipal bonds. Level 3 - Unobservable inputs to the valuation methodology that are significant to the measurement of fair value of assets or liabilities. Level 3 assets and liabilities include marketable debt instruments, non-marketable equity investments, derivative contracts, and company issued debt whose values are determined using inputs that are both unobservable and significant to the values of the instruments being measured. Level 3 assets also include marketable debt instruments that are priced using indicator prices that we were unable to corroborate with observable market quotes. Marketable debt instruments in this category generally include asset-backed securities and certain floating-rate notes, corporate bonds, and municipal bonds. Assets/Liabilities Measured at Fair Value on a Recurring Basis Financial assets and liabilities measured at fair value on a recurring basis as of June 30, 2017 are summarized in the following table by the type of inputs applicable to the fair value measurements (in thousands): Fair Value Measurements at Reporting Date Using Description Total Level 1 Level 2 Level 3 Financial Assets Fixed maturities available-for-sale Corporate debt securities $ 39,998 $ — $ 39,998 $ — Mortgage backed securities 10,181 — 10,181 — Private label asset backed securities 10,225 — 10,225 — Obligations of states and political subdivisions 13,692 — 13,692 — U.S. Treasury securities and obligations of U.S. Government corporations and agencies 18,553 18,553 — — Trading securities 107 107 — — Equity securities available-for-sale 4,699 3,657 — 1,042 Total Financial Assets $ 97,455 $ 22,317 $ 74,096 $ 1,042 Financial Liabilities Interest rate swap $ (864 ) $ — $ — $ (864 ) Total Financial Liabilities $ (864 ) $ — $ — $ (864 ) The methods and assumptions the Company uses to estimate the fair value of assets and liabilities measured at fair value on a recurring basis are summarized below. Fixed maturities available-for-sale — The fair values of the Company’s public fixed maturity securities are generally based on prices obtained from independent pricing services. Consistent with the fair value hierarchy described above, securities with validated quotes from pricing services are generally reflected within Level 2, as they are primarily based on observable pricing for similar assets and/or other market observable inputs. Trading securities — Trading securities consist primarily of mutual funds whose fair values are determined consistent with similar instruments described above under “Fixed Maturities” and below under “Equity Securities.” Equity securities — Equity securities consist principally of investments in common and preferred stock of publicly traded companies and privately traded securities. The fair values of our publicly traded equity securities are based on quoted market prices in active markets for identical assets and are classified within Level 1 in the fair value hierarchy. Estimated fair values for our privately traded equity securities require a substantial level of judgment. Privately traded equity securities are classified within Level 3. Interest rate swaps — Interest rate swaps are recorded at fair value either as assets, within other assets or as liabilities, within other liabilities. The fair values of our interest rate swaps are provided by a third-party broker and are classified within Level 3. As of June 30, 2017 , Level 3 fair value measurements of assets include $1,042,000 of equity securities in a local community bank whose value is based on an evaluation of the financial statements of the entity. The Company does not develop the unobservable inputs used in measuring fair value. As of June 30, 2017 , Level 3 fair value measurements of liabilities include $864,000 net fair value of various interest rate swap agreements whose value is based on analysis provided by a third party broker who utilizes financial modeling tools and assumptions on interest and other factors. The Company does not develop the unobservable inputs used in measuring fair value. Additional information regarding the interest rate swap agreements is provided in Note 7. The table below presents a reconciliation for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the six months ended June 30, 2017 (in thousands): For the six months ended June 30, 2017 Equity Securities Available-for-Sale Interest Rate Swap Beginning balance $ 1,258 $ (1,030 ) Total gains or losses (realized and unrealized): Included in earnings — — Included in other comprehensive income 83 166 Purchases: 46 — Sales: (345 ) — Issuances: — — Settlements: — — Transfers in/(out) of Level 3 — — Ending balance $ 1,042 $ (864 ) The amount of total gains or losses for the period included in earnings attributable to the change in unrealized gains or losses relating to assets and liabilities still held as of June 30, 2017: $ — $ — For the six months ended June 30, 2017 , there were no assets or liabilities measured at fair values on a nonrecurring basis. Financial assets and liabilities measured at fair value on a recurring basis as of December 31, 2016 are summarized in the following table by the type of inputs applicable to the fair value measurements (in thousands): Fair Value Measurements at Reporting Date Using Description Total Level 1 Level 2 Level 3 Financial Assets Fixed maturities available-for-sale Corporate debt securities $ 40,403 $ — $ 40,403 $ — Mortgage backed securities 10,931 — 10,931 — Private label asset backed securities 7,774 — 7,774 — Obligations of states and political subdivisions 15,166 — 15,166 — U.S. Treasury securities and obligations of U.S. Government corporations and agencies 18,518 18,518 — — Trading securities 107 107 — — Equity securities available-for-sale 4,943 3,685 — 1,258 Total Financial Assets $ 97,842 $ 22,310 $ 74,274 $ 1,258 Financial Liabilities Interest rate swap $ (1,030 ) $ — $ — $ (1,030 ) Total Financial Liabilities $ (1,030 ) $ — $ — $ (1,030 ) The table below presents a reconciliation for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the year ended December 31, 2016 (in thousands): For the year ended December 31, 2016 Equity Securities Available-for-Sale Interest Rate Swap Beginning balance $ 1,173 $ (1,419 ) Total gains or losses (realized and unrealized): Included in earnings — — Included in other comprehensive income 85 389 Purchases: — — Sales: — — Issuances: — — Settlements: — — Transfers in/(out) of Level 3 — — Ending balance $ 1,258 $ (1,030 ) The amount of total gains or losses for the period included in earnings attributable to the change in unrealized gains or losses relating to assets and liabilities still held as of December 31, 2016: $ — $ — For the year ended December 31, 2016, there were no assets or liabilities measured at fair values on a nonrecurring basis. The Company is exposed to certain risks in the normal course of its business operations. The primary risk that is managed through the use of derivatives is interest rate risk on floating rate borrowings. This risk is managed through the use of interest rate swap agreements which are designated as cash flow hedges. For cash flow hedges, the effective portion of the gain or loss on the interest rate swap is included as a component of other comprehensive income and reclassified into earnings in the same period during which the hedged transaction is recognized in earnings. The Company does not hold or issue derivatives that are not designated as hedging instruments. See Note 7 for additional information about the interest rate swap agreements. The following methods and assumptions were used to estimate fair value of each class of financial instrument for which it is practical to estimate that value: Cash and cash equivalents — the carrying amount is a reasonable estimate of fair value. Fixed maturities held-to-maturity — the carrying amount is amortized cost; the fair values of the Company’s public fixed maturity securities that are classified as held-to-maturity are generally based on prices obtained from independent pricing services. Mortgage loans — the carrying amount is a reasonable estimate of fair value due to the restrictive nature and limited marketability of the mortgage notes. Policy loans — the carrying amount is a reasonable estimate of fair value. Company owned life insurance — the carrying amount is a reasonable estimate of fair value. Other invested assets — the carrying amount is a reasonable estimate of fair value. Other policyholder funds — the carrying amount is a reasonable estimate of fair value. Debt — the carrying amount is a reasonable estimate of fair value. The carrying amount and estimated fair value of the Company’s financial instruments as of June 30, 2017 and December 31, 2016 are as follows (in thousands): June 30, 2017 December 31, 2016 Assets and related instruments Carrying Value Estimated Fair Value Carrying Value Estimated Fair Value Held-to-maturity securities $ 1,741 $ 1,789 $ 1,890 $ 1,930 Mortgage loans 164 164 174 174 Policy loans 1,747 1,747 1,708 1,708 Company owned life insurance 4,920 4,920 4,864 4,864 Other invested assets 2,790 2,790 2,958 2,958 Liabilities and related instruments Other policyholder funds 1,669 1,669 1,629 1,629 Short-term notes payable and current portion of long-term debt 1,300 1,300 1,800 1,800 Long-term debt 15,332 15,332 15,326 15,326

Property and Equipment

Property and Equipment	6 Months Ended
	Jun. 30, 2017
Property, Plant and Equipment [Abstract]
Property and Equipment	PROPERTY AND EQUIPMENT Major categories of property and equipment are summarized as follows (dollars in thousands): June 30, 2017 December 31, 2016 Building and improvements $ 3,379 $ 3,348 Electronic data processing equipment 1,559 1,548 Furniture and fixtures 508 515 5,446 5,411 Less accumulated depreciation 3,594 3,531 Property and equipment, net $ 1,852 $ 1,880 Depreciation expense for the six months ended June 30, 2017 was $79,000 ( $159,000 for the year ended December 31, 2016).

Income Taxes

Income Taxes	6 Months Ended
	Jun. 30, 2017
Income Tax Disclosure [Abstract]
Income Taxes	INCOME TAXES The Company recognizes tax-related interest and penalties as a component of tax expense. The Company files income tax returns in the U.S. federal jurisdiction and various states. The Company is not subject to examinations by authorities related to its U.S. federal or state income tax filings for years prior to 2011. Tax returns have been filed through the year 2015. Net deferred tax liabilities are determined based on the estimated future tax effects of differences between the financial statement and tax basis of assets and liabilities given the provisions of the enacted tax laws. Management believes that, based on its historical pattern of taxable income, the Company will produce sufficient income in the future to realize its deferred tax assets. The Company recognized net deferred tax asset positions of $2,145,000 at June 30, 2017 and $2,402,000 at December 31, 2016 . The tax effect of significant differences representing deferred tax assets and liabilities are as follows (dollars in thousands): As of June 30, 2017 As of December 31, 2016 General expenses $ 1,655 $ 1,685 Unearned premiums 2,209 2,046 Claims liabilities 855 746 AMT credit 1,277 1,230 Impairment on real estate owned 187 187 Unrealized loss on interest rate swaps 294 350 Deferred tax assets 6,477 6,244 Depreciation (131 ) (135 ) Deferred policy acquisition costs (2,896 ) (2,839 ) Unrealized gains on securities available-for-sale (1,305 ) (868 ) Deferred tax liabilities (4,332 ) (3,842 ) Net deferred tax asset $ 2,145 $ 2,402 The appropriate income tax effects of changes in temporary differences are as follows (dollars in thousands): Six months ended June 30, 2017 2016 Deferred policy acquisition costs $ 57 $ 69 Unearned premiums (163 ) (154 ) General expenses 30 25 Depreciation (4 ) 4 Claims liabilities (109 ) (75 ) AMT credit (47 ) 273 Deferred income tax expense (benefit) $ (236 ) $ 142 Total income tax expense (benefit) varies from amounts computed by applying current federal income tax rates to income or loss before income taxes. The reasons for these differences and the approximate tax effects are as follows: Six months ended June 30, 2017 2016 Federal income tax rate applied to pre-tax income/loss 34.0 % 34.0 % Dividends received deduction and tax-exempt interest 1.4 % (1.5 )% Company owned life insurance 0.8 % (0.6 )% Small life deduction 11.5 % (5.4 )% Other, net (1.4 )% (1.1 )% Effective federal income tax rate 46.3 % 25.4 %

Notes Payable and Long-Term Deb

Notes Payable and Long-Term Debt	6 Months Ended
	Jun. 30, 2017
Debt Disclosure [Abstract]
Notes Payable and Long-Term Debt	NOTES PAYABLE AND LONG-TERM DEBT Short-term debt and current portion of long-term debt consisted of the following as of June 30, 2017 and December 31, 2016 ( dollars in thousands) : June 30, December 31, 2017 2016 Current portion of installment note payable $1,000,000 due March 2017 with $800,000 due November 2017 with variable interest rate equal to the WSJ prime rate plus 0.5%. Unsecured. $ 800 $ 1,800 Line of credit, $1,000,000 available, with variable interest rate equal to the WSJ prime rate, subject to a 4.5% floor; maturity September 2017. Interest payments due monthly. Secured. — — Line of credit with variable interest rate equal to the WSJ prime rate, subject to a 5.0% floor; maturity March 2018. Interest payments due quarterly. Unsecured. 500 — $ 1,300 $ 1,800 Long-term debt consisted of the following as of June 30, 2017 and December 31, 2016 ( dollars in thousands ): June 30, December 31, 2017 2016 Promissory note with variable interest rate equal to the WSJ prime rate plus 0.5%; maturity November 2019. Annual installment payments beginning November 2017 with final balloon payment due November 30, 2019. Unsecured. $ 3,200 $ 3,200 Subordinated debentures issued on December 15, 2005 with fixed interest rate of 8.83% each distribution period thereafter until December 15, 2015 when the coupon rate shall equal the 3-Month LIBOR plus 3.75% applied to the outstanding principal; net of $173,000 in debt issuance cost ($178,000 in 2016); maturity December 2035. Interest payments due quarterly. All may be redeemed at any time following the tenth anniversary of issuance. Unsecured. 9,106 9,101 Subordinated debentures issued on June 21, 2007 with a floating interest rate equal to the 3-Month LIBOR plus 3.40% applied to the outstanding principal; net of $66,000 in debt issuance cost ($68,000 in 2016); maturity June 15, 2037. Interest payments due quarterly. All may be redeemed at any time following the fifth anniversary of issuance. Unsecured. 3,026 3,025 $ 15,332 $ 15,326 The Company has entered into various swap agreements related to the trust preferred securities. On March 19, 2009, the Company entered into a forward swap effective September 17, 2012, with a notional amount of $3,000,000 and designated the swap as a hedge against changes in cash flows attributable to changes in the benchmark interest rate (LIBOR) associated with the subordinated debentures issued June 21, 2007. Quarterly, commencing September 17, 2012, under the terms of the forward swap, the Company will pay interest at a fixed rate of 7.02% until March 15, 2019. On May 26, 2010, the Company entered into a forward swap with a notional amount of $9,000,000 effective December 15, 2015, which hedges against changes in cash flows following the termination of the fixed rate period. Quarterly, commencing March 16, 2016 under the terms of the forward swap, the Company pays interest at a fixed rate of 8.49% until March 15, 2020. The swaps entered into in 2009 and 2010 have fair values of $110,000 (liability) and $754,000 (liability), respectively, for a total liability of $864,000 at June 30, 2017 ( $1,030,000 at December 31, 2016 ). The swap liability is reported as a component of other liabilities on the consolidated balance sheets. A net valuation gain of $110,000 (net of tax) is included in accumulated other comprehensive income related to the swap agreements at June 30, 2017 . A net valuation gain of $256,000 (net of tax) was included in accumulated other comprehensive income related to the swap at December 31, 2016 . We use dollar offset at the hedge's inception and for each reporting period thereafter to assess whether the derivative used in a hedging transaction is expected to be, and has been, effective in offsetting changes in the fair value of the hedged item. Since inception, no portion of the hedged item has been deemed ineffective. For all hedges, we discontinue hedge accounting if it is determined that a derivative is not expected to be, or has ceased to be, effective as a hedge. The Company’s interest rate swaps include provisions requiring the Company to post collateral when the derivative is in a net liability position. At June 30, 2017 , the Company has securities on deposit with fair market values of $1,465,000 (all of which is posted as collateral). At December 31, 2016 , the Company had securities on deposit with fair market values of $1,466,000 and cash of $231,000 (all of which is posted as collateral). See Note 4 for additional information about the interest rate swaps.

Policy and Claim Reserves

Policy and Claim Reserves	6 Months Ended
	Jun. 30, 2017
Insurance [Abstract]
Policy and Claim Reserves	POLICY AND CLAIM RESERVES The Company regularly updates its reserve estimates as new information becomes available and events occur that may impact the resolution of unsettled claims. Reserve estimation can be an inherently uncertain process and reserves estimates can be revised up or down depending on changes in circumstances. Changes in prior years' reserve estimates are reflected in the results of operations in the year such changes are determined. The following table is a reconciliation of beginning and ending property and casualty reserve balances for claims and claim adjustment expense (dollars in thousands): Six months ended 2017 2016 Summary of claims and claim adjustment expense reserves Balance, beginning of year $ 7,531 $ 9,645 Less reinsurance recoverable on unpaid losses 1,184 1,380 Net balances at beginning of year 6,347 8,265 Net losses: Provision for claims and claim adjustment expenses for claims arising in current year 22,667 17,105 Estimated claims and claim adjustment expenses for claims arising in prior years (1,202 ) (1,391 ) Total increases 21,465 15,714 Claims and claim adjustment expense payments for claims arising in: Current year 18,033 13,154 Prior years 2,532 4,245 Total payments 20,565 17,399 Net balance at end of period 7,247 6,580 Plus reinsurance recoverable on unpaid losses 356 427 Claims and claim adjustment expense reserves at end of period $ 7,603 $ 7,007 The increase in claim and claim adjustment expense reserves before reinsurance recoverable is primarily due to the increase in catastrophe losses during the period. The estimate for claims arising in prior years was reduced $1,202,000 in 2017 (reduced $1,391,000 in 2016) due to favorable loss development during the year on claims arising in prior years. Accident and Health Claim Reserves The Company, through its life insurance subsidiary, underwrites a limited number of short duration accident and health contracts. These claims are typically settled in three years or less and the reserve for unpaid claims totaled $306,000 at June 30, 2017 ( $391,000 at December 31, 2016). These claims are a component of policy and contract claims which totaled $833,000 at June 30, 2017 ( $1,008,000 at December 31, 2016).

Reinsurance

Reinsurance	6 Months Ended
	Jun. 30, 2017
Reinsurance Disclosures [Abstract]
Reinsurance	REINSURANCE The Company's insurance operations utilize reinsurance in order to limit losses, minimize exposure to large risks, provide additional capacity for future growth and effect business-sharing arrangements. Life reinsurance is accomplished through yearly renewable term coverage. Property and casualty reinsurance is placed on an excess of loss basis to cover losses from catastrophe events. Reinsurance ceded arrangements do not discharge the insurance subsidiaries as the primary insurer, except for cases involving a novation. Failure of re-insurers to honor their obligations could result in losses to the insurance subsidiaries. The insurance subsidiaries evaluate the financial conditions of their reinsurance companies and monitor concentrations of credit risk arising from similar geographic regions, activities, or economic characteristics of the companies to minimize their exposure to significant losses from reinsurance insolvencies. In the normal course of business, NSFC seeks to reduce the loss that may arise from catastrophes or other individually significant large loss events that cause unfavorable underwriting results by re-insuring certain levels of risk in various areas of exposure with reinsurance companies. NSFC maintains a catastrophe reinsurance agreement to cover losses from catastrophic events, primarily hurricanes. Under the catastrophe reinsurance program, the Company retains the first $4,000,000 in losses from each catastrophe event. Catastrophe reinsurance coverage is maintained in three layers as follows: Layer Reinsurers' Limits of Liability First Layer 100% of $13,500,000 in excess of $4,000,000 retention Second Layer 100% of $25,000,000 in excess of $17,500,000 Third Layer 100% of $30,000,000 in excess of $42,500,000 Each reinsurance layer covers events occurring from January 1 through December 31 of the contract year. All significant reinsurance companies under the program carry A.M. Best ratings of A- (Excellent) or higher, or equivalent ratings. The Company's catastrophe reinsurance contract allows for one reinstatement. The Company maintains reinstatement premium protection (RPP) to cover reinstatement premiums incurred. The RPP further reduces risk from a major catastrophe and serves to strengthen the Company's capital position by reducing the modeled 100 year event net cost. Amounts recoverable from re-insurers are estimated in a manner consistent with the claim liability associated with the underlying insurance policies. Amounts paid for prospective reinsurance contracts are reported as prepaid reinsurance premiums and amortized over the remaining contract period. In the normal course of business, NSIC seeks to limit its exposure to loss on any single insured and to recover a portion of benefits paid by ceding reinsurance to reinsurance companies under excess coverage contracts. NSIC retains a maximum of $50,000 of coverage per individual life. The cost of reinsurance is amortized over the contract period of the reinsurance. At June 30, 2017 , the largest reinsurance recoverable of a single reinsurer was $ 321,000 ($ 332,000 at December 31, 2016). Amounts reported as ceded incurred losses were related to development of losses from prior year catastrophes.

Employee Benefit Plans

Employee Benefit Plans	6 Months Ended
	Jun. 30, 2017
Retirement Benefits [Abstract]
Employee Benefit Plans	EMPLOYEE BENEFIT PLANS The Company and its subsidiaries have an established retirement savings plan (401K Plan). All full-time employees are eligible to participate, and all employer contributions are fully vested for employees who have completed 1,000 hours of service in the year of contribution. Company matching contributions for the six months ended June 30, 2017 and 2016 amounted to $99,000 and $113,000 , respectively. The Company contributes dollar-for-dollar matching contributions up to 5% of compensation subject to government limits. In January 2006, the Company established a non-qualified plan under which directors are allowed to defer all or a portion of directors' fees into various investment options. The supplemental executive retirement plan (SERP) became effective March 1, 2008 and covers named executive officers, with the Company contributing 15% of executive compensation to the plan. Contributions to the plan are fully vested upon the earlier of death, disability, change in control, or ten years of participation in the plan. Costs for amounts credited to the non-qualified deferred compensation plans for the six months ended June 30, 2017 and 2016 amounted to approximately $143,000 and $107,000 , respectively. The Company and its subsidiaries established an Employee Stock Ownership Plan (ESOP) in January 2010, to enable its eligible employees to acquire a proprietary interest in the Company's common stock and to provide retirement and other benefits to such employees. There were $268,000 costs incurred during the six months ended June 30, 2017 and $150,000 costs incurred during the six months ended June 30, 2016 related to ESOP plan contributions. All contributions were made in cash for purchase of Company shares in the open market. The Company has not allocated shares directly to the plan and the plan has no debt.

Shareholders' Equity

Shareholders' Equity	6 Months Ended
	Jun. 30, 2017
Stockholders' Equity Note [Abstract]
Stockholders' Equity	SHAREHOLDERS' EQUITY During the six months ended June 30, 2017 and year ended December 31, 2016 , changes in shareholders' equity consisted of net loss of $1,315,000 and net income of $3,063,000 , respectively; dividends paid of $252,000 in 2017 and $452,000 in 2016; increases in accumulated other comprehensive income, net of applicable taxes, of $956,000 in 2017 and increases in accumulated other comprehensive income, net of applicable taxes, of $482,000 in 2016. Other comprehensive gains and loss consisted of accumulated unrealized gains and losses on securities available-for-sale and unrealized loss on interest rate swaps. Preferred Stock Preferred Stock may be issued in one or more series as shall from time to time be determined and authorized by the Board of Directors. The directors may make specific provisions regarding (a) the voting rights, if any (b) whether such dividends are to be cumulative or noncumulative (c) the redemption provisions, if any (d) participating rights, if any (e) any sinking fund or other retirement provisions (f) dividend rates (g) the number of shares of such series and (h) liquidation preference. Common Stock The holders of the Class A Common Stock will have one-twentieth of one vote per share, and the holders of the common stock will have one vote per share. There is currently no Class A Common Stock issued or outstanding. In the event of any liquidation, dissolution or distribution of the assets of the Company remaining after the payments to the holders of the Preferred Stock of the full preferential amounts to which they may be entitled as provided in the resolution or resolutions creating any series thereof, the remaining assets of the Company shall be divided and distributed among the holders of both classes of common stock, except as may otherwise be provided in any such resolution or resolutions. The table below provides information regarding the Company's preferred and common stock as of June 30, 2017 and December 31, 2016 : June 30, 2017 December 31, 2016 Authorized Issued Outstanding Authorized Issued Outstanding Preferred Stock, $1 par value 500,000 — — 500,000 — — Class A Common Stock, $1 par value 2,000,000 — — 2,000,000 — — Common Stock, $1 par value 3,000,000 2,522,312 2,522,312 3,000,000 2,517,339 2,517,339 On May 19, 2017, 4,973 shares of common stock were issued to directors as compensation under the 2009 Equity Incentive Plan previously approved by shareholders.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income	6 Months Ended
	Jun. 30, 2017
Equity [Abstract]
Accumulated Other Comprehensive Income	ACCUMULATED OTHER COMPREHENSIVE INCOME Accumulated other comprehensive income (loss) ("AOCI") includes certain items that are reported directly within a separate component of shareholders' equity. The following table presents changes in AOCI balances (dollars in thousands): Six months ended June 30, 2017 2016 Gains and Losses on Cash Flow Hedges Balance at beginning of period $ (679 ) $ (935 ) Other comprehensive loss for period: Other comprehensive gain (loss) before reclassifications 110 (81 ) Amounts reclassified from accumulated other comprehensive income — — Net current period other comprehensive income (loss) 110 (81 ) Balance at end of period $ (569 ) $ (1,016 ) Unrealized Gains and Losses on Available-for-Sale Securities Balance at beginning of period $ 1,686 $ 1,460 Other comprehensive income for period: Other comprehensive income before reclassifications 1,001 2,460 Amounts reclassified from accumulated other comprehensive income (155 ) (172 ) Net current period other comprehensive income 846 2,288 Balance at end of period $ 2,532 $ 3,748 Total Accumulated Other Comprehensive Income at end of period $ 1,963 $ 2,732 The following table presents the amounts reclassified out of AOCI for the six months ended June 30, 2017 (dollars in thousands): Details about Accumulated Other Comprehensive Income Components Amounts Reclassified from Accumulated Other Comprehensive Income Affected Line Item in the Statement Where Net Income is Presented Unrealized Gains and Losses on Available-for-Sale Securities $ 235 Net realized investment gains 235 Total before tax (80 ) Tax (expense) or benefit $ 155 Net of Tax The following table presents the amounts reclassified out of AOCI for the six months ended June 30, 2016 (dollars in thousands): Details about Accumulated Other Comprehensive Income Components Amounts Reclassified from Accumulated Other Comprehensive Income Affected Line Item in the Statement Where Net Income is Presented Unrealized Gains and Losses on Available-for-Sale Securities $ 260 Net realized investment gains 260 Total before tax (88 ) Tax (expense) or benefit $ 172 Net of Tax

Segments

Segments	6 Months Ended
	Jun. 30, 2017
Segment Reporting, Disclosure of Entity's Reportable Segments [Abstract]
Segments	SEGMENTS The Company’s property and casualty insurance operations comprise one business segment. The property and casualty insurance segment primarily underwrites home insurance coverage with primary lines of business consisting of dwelling fire and extended coverage, homeowners (including mobile homeowners) and other liability. Management organizes the business utilizing a niche strategy focusing on lower valued dwellings. Our chief decision makers (Chief Executive Officer, Chief Financial Officer and President) review results and operating plans making decisions on resource allocations on a company-wide basis. The Company’s products are primarily produced through independent agents within the states in which we operate. The Company’s life and accident and health operations comprise the second business segment. The life and accident and health insurance segment consists of two lines of business: traditional life insurance and accident and health insurance. Total assets by industry segment at June 30, 2017 and at December 31, 2016 are summarized below ( dollars in thousands ): Total P&C Insurance Operations Life Insurance Operations Non-Insurance Operations June 30, 2017 $ 149,602 $ 82,703 $ 59,955 $ 6,944 December 31, 2016 $ 148,579 $ 82,647 $ 58,689 $ 7,243 Premium revenues and operating income by business segment for the three and six months ended June 30, 2017 and 2016 are summarized below ( dollars in thousands ): Three months ended June 30, 2017 Total P&C Insurance Operations Life Insurance Operations Non-Insurance Operations REVENUE Net premiums earned $ 15,331 $ 13,749 $ 1,582 $ — Net investment income 930 386 527 17 Net realized investment gains (losses) 77 60 17 — Other income 145 145 — — 16,483 14,340 2,126 17 BENEFITS AND EXPENSES Policyholder benefits paid 12,581 11,274 1,307 — Amortization of deferred policy acquisition costs 819 695 124 — Commissions 1,758 1,689 69 — General and administrative expenses 2,215 1,602 339 274 Taxes, licenses and fees 517 475 42 — Interest expense 326 — 20 306 18,216 15,735 1,901 580 Income (Loss) Before Income Taxes $ (1,733 ) $ (1,395 ) $ 225 $ (563 ) Three months ended June 30, 2016 Total P&C Insurance Operations Life Insurance Operations Non-Insurance Operations REVENUE Net premiums earned $ 15,227 $ 13,646 $ 1,581 $ — Net investment income 1,029 455 559 15 Net realized investment gains 242 185 57 — Other income 150 150 — — 16,648 14,436 2,197 15 BENEFITS AND EXPENSES Policyholder benefits paid 8,862 7,577 1,285 — Amortization of deferred policy acquisition costs 906 695 211 — Commissions 2,117 2,020 97 — General and administrative expenses 2,158 1,704 310 144 Taxes, licenses and fees 574 529 45 — Interest expense 333 — 20 313 14,950 12,525 1,968 457 Income (Loss) Before Income Taxes $ 1,698 $ 1,911 $ 229 $ (442 ) Six months ended June 30, 2017 Total P&C Insurance Operations Life Insurance Operations Non-Insurance Operations REVENUE Net premiums earned $ 30,371 $ 27,238 $ 3,133 $ — Net investment income 1,856 778 1,046 32 Net realized investment gains (losses) 237 60 177 — Other income 297 295 2 — 32,761 28,371 4,358 32 BENEFITS AND EXPENSES Policyholder benefits paid 23,727 21,192 2,535 — Amortization of deferred policy acquisition costs 1,764 1,389 375 — Commissions 3,851 3,713 138 — General and administrative expenses 4,012 2,877 618 517 Taxes, licenses and fees 1,206 1,067 139 — Interest expense 649 — 39 610 35,209 30,238 3,844 1,127 Income (Loss) Before Income Taxes $ (2,448 ) $ (1,867 ) $ 514 $ (1,095 ) Six months ended June 30, 2016 Total P&C Insurance Operations Life Insurance Operations Non-Insurance Operations REVENUE Net premiums earned $ 30,392 $ 27,247 $ 3,145 $ — Net investment income 2,020 908 1,080 32 Net realized investment gains 249 185 64 — Other income 304 303 1 — 32,965 28,643 4,290 32 BENEFITS AND EXPENSES Policyholder benefits paid 17,909 15,439 2,470 — Amortization of deferred policy acquisition costs 1,693 1,391 302 — Commissions 4,225 4,036 189 — General and administrative expenses 4,287 3,125 815 347 Taxes, licenses and fees 1,174 1,064 110 — Interest expense 678 — 38 640 29,966 25,055 3,924 987 Income (Loss) Before Income Taxes $ 2,999 $ 3,588 $ 366 $ (955 ) The following table presents the Company’s gross and net premiums written for the property and casualty segment and the life and accident and health segment for the three and six months ended June 30, 2017 and 2016, respectively: Three months ended June 30, Six months ended June 30, 2017 2016 2017 2016 Life, accident and health operations premiums written: Traditional life insurance $ 1,093 $ 1,124 $ 2,238 $ 2,243 Accident and health insurance 406 409 829 827 Gross life, accident and health 1,499 1,533 3,067 3,070 Reinsurance premium ceded (14 ) (23 ) (43 ) (48 ) Net life, accident and health premiums written $ 1,485 $ 1,510 $ 3,024 $ 3,022 Property and Casualty operations premiums written: Dwelling fire & extended coverage $ 10,040 $ 9,716 $ 19,471 $ 18,908 Homeowners (Including mobile homeowners) 6,409 6,674 12,036 12,386 Other liability 590 570 1,133 1,093 Gross property and casualty 17,039 16,960 32,640 32,387 Reinsurance premium ceded (1,707 ) (1,697 ) (2,809 ) (2,699 ) Net property and casualty written $ 15,332 $ 15,263 $ 29,831 $ 29,688 Consolidated gross premiums written $ 18,538 $ 18,493 $ 35,707 $ 35,457 Reinsurance premium ceded (1,721 ) (1,720 ) (2,852 ) (2,747 ) Consolidated net premiums written $ 16,817 $ 16,773 $ 32,855 $ 32,710 The following table presents the Company’s gross and net premiums earned for the property and casualty segment and the life and accident and health segment for the three and six months ended June 30, 2017 and 2016, respectively: Three months ended June 30, Six months ended June 30, 2017 2016 2017 2016 Life, accident and health operations premiums earned: Traditional life insurance $ 1,188 $ 1,194 $ 2,346 $ 2,367 Accident and health insurance 408 410 830 826 Gross life, accident and health 1,596 1,604 3,176 3,193 Reinsurance premium ceded (14 ) (23 ) (43 ) (48 ) Net life, accident and health premiums earned $ 1,582 $ 1,581 $ 3,133 $ 3,145 Property and Casualty operations premiums earned: Dwelling fire & extended coverage $ 9,032 $ 8,807 $ 17,848 $ 17,469 Homeowners (Including mobile homeowners) 5,744 5,881 11,464 11,787 Other liability 527 503 1,040 996 Gross property and casualty 15,303 15,191 30,352 30,252 Reinsurance premium ceded (1,554 ) (1,545 ) (3,114 ) (3,005 ) Net property and casualty earned $ 13,749 $ 13,646 $ 27,238 $ 27,247 Consolidated gross premiums earned $ 16,899 $ 16,795 $ 33,528 $ 33,445 Reinsurance premium ceded (1,568 ) (1,568 ) (3,157 ) (3,053 ) Consolidated net premiums earned $ 15,331 $ 15,227 $ 30,371 $ 30,392

Contingencies

Contingencies	6 Months Ended
	Jun. 30, 2017
Commitments and Contingencies Disclosure [Abstract]
Contingencies	CONTINGENCIES The Company and its subsidiaries continue to be named individually as parties to litigation related to the conduct of their insurance operations. These suits involve alleged breaches of contracts, torts, including bad faith and fraud claims based on alleged wrongful or fraudulent acts of the Company's subsidiaries, and other miscellaneous causes of action. The Company's property & casualty subsidiaries are defending a limited number of matters filed in the aftermath of Hurricane Ike in Texas. These actions include individual lawsuits with allegations of underpayment of hurricane-related claims. The various suits seek a variety of remedies, including actual and/or punitive damages in unspecified amounts and/or declaratory relief. The Company has reserves set up on litigated claims and the reserves are included in benefit and loss reserves.

Supplemental Cash Flow Informat

Supplemental Cash Flow Information	6 Months Ended
	Jun. 30, 2017
Supplemental Cash Flow Elements [Abstract]
Supplemental Cash Flow Information	SUPPLEMENTAL CASH FLOW INFORMATION Cash paid for interest during the six months ended June 30, 2017 was $546,000 ( $561,000 in 2016). There was no cash paid for income taxes during the six months ended June 30, 2017 ( $650,000 in 2016). During the six months ended June 30, 2017, non-cash changes in equity included $5,000 in common stock issued to Directors in lieu of cash compensation along with a corresponding $71,000 increase in additional paid-in capital.

Subsequent Events

Subsequent Events	6 Months Ended
	Jun. 30, 2017
Subsequent Events [Abstract]
Subsequent Events	SUBSEQUENT EVENTS Management has evaluated subsequent events and their potential effects on these condensed consolidated financial statements through the filing date of this Form 10-Q.

Significant Accounting Polici25

Significant Accounting Policies (Policies)	6 Months Ended
	Jun. 30, 2017
Accounting Policies [Abstract]
Principles of Consolidation and Basis of Presentation	The accompanying condensed consolidated financial statements include the accounts of The National Security Group, Inc. (the Company) and its wholly-owned subsidiaries: National Security Insurance Company (NSIC), National Security Fire and Casualty Company (NSFC) and NATSCO, Inc. (NATSCO). NSFC includes a wholly-owned subsidiary, Omega One Insurance Company (Omega). The accompanying condensed consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (GAAP). In the opinion of management, all adjustments, consisting of normal and recurring items, necessary for the fair presentation of the condensed consolidated financial statements have been included. All significant intercompany transactions and accounts have been eliminated. The financial information presented herein should be read in conjunction with the Company’s Annual Report on Form 10-K for the year ended December 31, 2016, which includes information and disclosures not presented herein.
Use of Estimates	The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the condensed consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Among the more significant estimates included in these condensed consolidated financial statements are reserves for future life insurance policy benefits, liabilities for losses and loss adjustment expenses, reinsurance recoverable associated with loss and loss adjustment expense liabilities, deferred policy acquisition costs, deferred income tax assets and liabilities, assessments of other-than-temporary impairments on investments and accruals for contingencies. Actual results could differ from these estimates.
Earnings Per Share	Earnings per share of common stock is based on the weighted average number of shares outstanding during each year. The adjusted weighted average shares outstanding were 2,518,520 at June 30, 2017 and 2,513,559 at June 30, 2016. The Company did not have any dilutive securities as of June 30, 2017 and 2016.
Reclassifications	Certain 2016 amounts have been reclassified from the prior year condensed consolidated financial statements to conform to the 2017 presentation.
Concentration of Credit Risk	The Company maintains cash balances which are generally held in non-interest bearing demand deposit accounts subject to FDIC insured limits of $250,000 per entity. At June 30, 2017 , the net amount exceeding FDIC insured limits was $ 5,928,000 at two financial institutions. The Company has not experienced any losses in such accounts. Management of the Company reviews financial information of financial institutions on a quarterly basis and believes the Company is not exposed to any significant credit risk on cash and cash equivalents. Policy receivables are reported at unpaid balances. Policy receivables are generally offset by associated unearned premium liabilities and are not subject to significant credit risk. Receivables from agents, less provision for credit losses, are composed of balances due from independent agents. At June 30, 2017 , the single largest balance due from one agent totaled $1,142,000 . Reinsurance contracts do not relieve the Company of its obligations to policyholders. A failure of a reinsurer to meet their obligation could result in losses to the insurance subsidiaries. Allowances for losses are established if amounts are believed to be uncollectible. At June 30, 2017 and December 31, 2016, no amounts were deemed uncollectible. The Company, at least annually, evaluates the financial condition of all reinsurers and evaluates any potential concentrations of credit risk. At June 30, 2017 , management does not believe the Company is exposed to any significant credit risk related to its reinsurance program.
Accounting Principle	Accounting Changes Not Yet Adopted Revenue from Contracts with Customers In May 2014, the Financial Accounting Standards Board (FASB) issued guidance on a comprehensive new revenue recognition standard. This standard will not impact accounting for insurance contracts, leases, financial instruments and guarantees. For those contracts that are impacted by the new guidance, the guidance will require an entity to recognize revenue upon the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled to, in exchange for those goods or services. The guidance requires additional disclosure about the nature, amount, timing and uncertainty of revenue and cash flows arising from customer contracts, including significant judgments and changes in judgments and assets recognized from costs incurred to obtain or fulfill a contract. In August 2015, the FASB issued a deferral of the effective date by one year. This guidance is effective retrospectively for fiscal years beginning after December 15, 2017 and interim periods within those years. Early adoption of this standard is permitted only as of annual reporting periods beginning after December 15, 2016, including interim reporting periods within that reporting period. Although insurance contracts are specifically scoped out of this new guidance, the Company has minor services that may be subject to the new revenue recognition guidance and does not expect the guidance to have a material impact on its condensed consolidated financial statements. Recognition and Measurement of Financial Assets and Financial Liabilities In January 2016, the FASB issued guidance that requires equity investments (except those accounted for under the equity method of accounting or those that result in consolidation of the investee) to be measured at fair value with changes in fair value recognized in net income. The guidance requires entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes and requires separate presentation of financial assets and financial liabilities by measurement category and form of financial asset. The guidance eliminates the requirement for public companies to disclose the method(s) and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost. This guidance is effective for fiscal years beginning after December 15, 2017 and interim periods within those fiscal years. The Company does not expect the adoption to have a material impact on its financial position or results of operations. Leases In February 2016, the FASB issued guidance that requires lessees (for capital and operating leases) to recognize the lease liability and right-of-use asset at the commencement date of the lease. This guidance is effective for fiscal years beginning after December 15, 2018, including interim periods within those years. The Company does not expect the adoption to have a material impact on its financial position or results of operations. Contingent Put and Call Options in Debt Instruments In March 2016, the FASB issued guidance that clarifies the requirements for assessing whether contingent call (put) options that can accelerate the payment of principal on debt instruments are clearly and closely related to their debt hosts. This guidance is effective for fiscal years beginning after December 15, 2019, including interim periods within those years. The Company does not expect the adoption to have a material impact on its financial position or results of operations. Financial Instruments - Credit Losses In June 2016, the FASB issued guidance that replaces the incurred loss impairment methodology in current GAAP with a methodology that reflects expected credit losses and requires consideration of a broader range of reasonable and supportable information to inform credit loss estimates. This guidance is effective for fiscal years beginning after December 15, 2019, including interim periods within those years. The Company does not expect the adoption to have a material impact on its financial position or results of operations. Classification of Certain Cash Receipts and Cash Payments In August 2016, the FASB issued guidance that clarifies how certain cash receipts and cash payments shall be presented and classified in the statement of cash flows. This guidance addresses eight specific cash flow issues with the objective of reducing the existing diversity in practice. The guidance is effective for annual and interim reporting periods beginning after December 15, 2017. The Company does not expect the adoption of this new guidance to have a significant impact on our financial position, results of operations or cash flows. Receivables - Nonrefundable Fees and Other Costs In March 2017, the FASB issued guidance that shortens the amortization period for certain callable debt securities held at a premium and requires the premium to be amortized to the earliest call date. The guidance is effective for fiscal years beginning after December 15, 2018 and interim reporting periods within those fiscal years. The Company does not expect the adoption of this new guidance to have a significant impact on our financial position, results of operations or cash flows. Compensation - Stock Compensation In May 2017, the FASB issued guidance to provide clarity and reduce diversity in practice as well as cost and complexity when there is a change in the terms or conditions of a share-based payment award. The guidance is effective for fiscal years beginning after December 15, 2017 and interim periods within those fiscal years. The Company does not expect adoption of this guidance to have a significant impact on our financial position, results of operations or cash flows. Recently Adopted Accounting Standards None
Business Segment	The Company’s life and accident and health operations comprise the second business segment. The life and accident and health insurance segment consists of two lines of business: traditional life insurance and accident and health insurance. The Company’s property and casualty insurance operations comprise one business segment. The property and casualty insurance segment primarily underwrites home insurance coverage with primary lines of business consisting of dwelling fire and extended coverage, homeowners (including mobile homeowners) and other liability.
Consolidation, Variable Interest Entity	The Company holds a passive interest in a limited partnership that is considered to be a Variable Interest Entity (VIE) under the provisions of ASC 810 Consolidation . The Company is not the primary beneficiary of the entity and is not required to consolidate under ASC 810. The entity is a private placement investment fund formed for the purpose of investing in private equity investments. The Company owns less than 1% of the limited partnership. The carrying value of the investment totals $228,000 and is included as a component of Other Invested Assets in the accompanying consolidated balance sheets.
Marketable Securities	In evaluating whether or not the equity loss positions were other-than-temporary impairments, Management evaluated financial information on each company and where available, reviewed analyst reports from at least two independent sources. For securities in an unrealized loss position, the Company assesses whether the Company has the intent to sell the security or more-likely-than-not will be required to sell the security before the anticipated recovery. If either of these conditions is met, the Company is required to recognize an other-than-temporary impairment with the entire unrealized loss reported in earnings. For securities in an unrealized loss position that do not meet these conditions, the Company assesses whether the impairment of a security is other-than-temporary. If the impairment is determined to be other-than-temporary, the Company is required to separate the other-than-temporary impairments into two components: the amount representing the credit loss and the amount related to all other factors. The credit loss is the portion of the amortized book value in excess of the net present value of the projected future cash flows discounted at the effective interest rate implicit in the debt security prior to impairment. The credit loss component of other-than-temporary impairments is reported in earnings, whereas the amount relating to factors other than credit losses are recorded in other comprehensive income, net of taxes.
Fair Values of Financial Instruments	The following methods and assumptions were used to estimate fair value of each class of financial instrument for which it is practical to estimate that value: Cash and cash equivalents — the carrying amount is a reasonable estimate of fair value. Fixed maturities held-to-maturity — the carrying amount is amortized cost; the fair values of the Company’s public fixed maturity securities that are classified as held-to-maturity are generally based on prices obtained from independent pricing services. Mortgage loans — the carrying amount is a reasonable estimate of fair value due to the restrictive nature and limited marketability of the mortgage notes. Policy loans — the carrying amount is a reasonable estimate of fair value. Company owned life insurance — the carrying amount is a reasonable estimate of fair value. Other invested assets — the carrying amount is a reasonable estimate of fair value. Other policyholder funds — the carrying amount is a reasonable estimate of fair value. Debt — the carrying amount is a reasonable estimate of fair value. Our available-for-sale securities consists of fixed maturity and equity securities which are recorded at fair value in the accompanying consolidated balance sheets. The change in the fair value of these investments, unless deemed to be other-than-temporarily impaired, is recorded as a component of other comprehensive income. We are permitted to elect to measure financial instruments and certain other items at fair value, with the change in fair value recorded in earnings. We elected not to measure any eligible items using the fair value option. Accounting standards define fair value as the price that would be received to sell an asset or would be paid to transfer a liability in an orderly transaction between market participants at the measurement date, and establishes a framework to make the measurement of fair value more consistent and comparable. In determining fair value, we primarily use prices and other relevant information generated by market transactions involving identical or comparable assets. The Company categorizes assets and liabilities carried at their fair value based upon a fair value hierarchy: Level 1 – Quoted prices in active markets for identical assets or liabilities that the Company has the ability to access at the measurement date. Level 1 assets and liabilities consist of money market fund deposits and certain of our marketable debt and equity instruments, including equity instruments offsetting deferred compensation, that are traded in an active market with sufficient volume and frequency of transactions. Level 2 - Observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets with insufficient volume or infrequent transactions (less active markets); or model-derived valuations in which all significant inputs are observable or can be derived principally from or corroborated by observable market data for substantially the full term of the assets or liabilities. Level 2 assets include certain of our marketable debt and equity instruments with quoted market prices that are traded in less active markets or priced using a quoted market price for similar instruments. Level 2 assets also include marketable equity instruments with security-specific restrictions that would transfer to the buyer, marketable debt instruments priced using indicator prices which represent non-binding market consensus prices that can be corroborated by observable market quotes, as well as derivative contracts and debt instruments priced using inputs that are observable in the market or can be derived principally from or corroborated by observable market data. Marketable debt instruments in this category generally include commercial paper, bank time deposits, repurchase agreements for fixed-income instruments, and a majority of floating-rate notes, corporate bonds, and municipal bonds. Level 3 - Unobservable inputs to the valuation methodology that are significant to the measurement of fair value of assets or liabilities. Level 3 assets and liabilities include marketable debt instruments, non-marketable equity investments, derivative contracts, and company issued debt whose values are determined using inputs that are both unobservable and significant to the values of the instruments being measured. Level 3 assets also include marketable debt instruments that are priced using indicator prices that we were unable to corroborate with observable market quotes. Marketable debt instruments in this category generally include asset-backed securities and certain floating-rate notes, corporate bonds, and municipal bonds. Fixed maturities available-for-sale — The fair values of the Company’s public fixed maturity securities are generally based on prices obtained from independent pricing services. Consistent with the fair value hierarchy described above, securities with validated quotes from pricing services are generally reflected within Level 2, as they are primarily based on observable pricing for similar assets and/or other market observable inputs. Trading securities — Trading securities consist primarily of mutual funds whose fair values are determined consistent with similar instruments described above under “Fixed Maturities” and below under “Equity Securities.” Equity securities — Equity securities consist principally of investments in common and preferred stock of publicly traded companies and privately traded securities. The fair values of our publicly traded equity securities are based on quoted market prices in active markets for identical assets and are classified within Level 1 in the fair value hierarchy. Estimated fair values for our privately traded equity securities require a substantial level of judgment. Privately traded equity securities are classified within Level 3. Interest rate swaps — Interest rate swaps are recorded at fair value either as assets, within other assets or as liabilities, within other liabilities. The fair values of our interest rate swaps are provided by a third-party broker and are classified within Level 3.
Income Taxes	The Company recognizes tax-related interest and penalties as a component of tax expense. Net deferred tax liabilities are determined based on the estimated future tax effects of differences between the financial statement and tax basis of assets and liabilities given the provisions of the enacted tax laws.
Derivatives	The Company is exposed to certain risks in the normal course of its business operations. The primary risk that is managed through the use of derivatives is interest rate risk on floating rate borrowings. This risk is managed through the use of interest rate swap agreements which are designated as cash flow hedges. For cash flow hedges, the effective portion of the gain or loss on the interest rate swap is included as a component of other comprehensive income and reclassified into earnings in the same period during which the hedged transaction is recognized in earnings. The Company does not hold or issue derivatives that are not designated as hedging instruments. The swap liability is reported as a component of other liabilities on the consolidated balance sheets. We use dollar offset at the hedge's inception and for each reporting period thereafter to assess whether the derivative used in a hedging transaction is expected to be, and has been, effective in offsetting changes in the fair value of the hedged item. Since inception, no portion of the hedged item has been deemed ineffective. For all hedges, we discontinue hedge accounting if it is determined that a derivative is not expected to be, or has ceased to be, effective as a hedge.
Reinsurance	Amounts recoverable from re-insurers are estimated in a manner consistent with the claim liability associated with the underlying insurance policies. Amounts paid for prospective reinsurance contracts are reported as prepaid reinsurance premiums and amortized over the remaining contract period. In the normal course of business, NSIC seeks to limit its exposure to loss on any single insured and to recover a portion of benefits paid by ceding reinsurance to reinsurance companies under excess coverage contracts. NSIC retains a maximum of $50,000 of coverage per individual life. The cost of reinsurance is amortized over the contract period of the reinsurance. The Company's insurance operations utilize reinsurance in order to limit losses, minimize exposure to large risks, provide additional capacity for future growth and effect business-sharing arrangements. Life reinsurance is accomplished through yearly renewable term coverage. Property and casualty reinsurance is placed on an excess of loss basis to cover losses from catastrophe events. Reinsurance ceded arrangements do not discharge the insurance subsidiaries as the primary insurer, except for cases involving a novation. Failure of re-insurers to honor their obligations could result in losses to the insurance subsidiaries. The insurance subsidiaries evaluate the financial conditions of their reinsurance companies and monitor concentrations of credit risk arising from similar geographic regions, activities, or economic characteristics of the companies to minimize their exposure to significant losses from reinsurance insolvencies. In the normal course of business, NSFC seeks to reduce the loss that may arise from catastrophes or other individually significant large loss events that cause unfavorable underwriting results by re-insuring certain levels of risk in various areas of exposure with reinsurance companies. NSFC maintains a catastrophe reinsurance agreement to cover losses from catastrophic events, primarily hurricanes.

Investments (Tables)

Investments (Tables)	6 Months Ended
	Jun. 30, 2017
Investments [Abstract]
Schedule of Amortized Cost and Aggregate Fair Values of Investments in Available-for-Sale Securities	The amortized cost and aggregate fair values of investments in available-for-sale securities as of December 31, 2016 are as follows ( dollars in thousands ): Available-for-sale securities: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Corporate debt securities $ 40,533 $ 748 $ 878 $ 40,403 Mortgage backed securities 10,970 134 173 10,931 Private label asset backed securities 7,910 29 165 7,774 Obligations of states and political subdivisions 14,806 507 147 15,166 U.S. Treasury securities and obligations of U.S. Government corporations and agencies 18,618 208 308 18,518 Total fixed maturities 92,837 1,626 1,671 92,792 Equity securities 2,343 2,628 28 4,943 Total $ 95,180 $ 4,254 $ 1,699 $ 97,735 The amortized cost and aggregate fair values of investments in available-for-sale securities as of June 30, 2017 are as follows ( dollars in thousands ): Available-for-sale securities: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Corporate debt securities $ 39,520 $ 1,200 $ 722 $ 39,998 Mortgage backed securities 10,238 134 191 10,181 Private label asset backed securities 9,962 281 18 10,225 Obligations of states and political subdivisions 13,268 498 74 13,692 U.S. Treasury securities and obligations of U.S. Government corporations and agencies 18,478 267 192 18,553 Total fixed maturities 91,466 2,380 1,197 92,649 Equity securities 2,044 2,655 — 4,699 Total $ 93,510 $ 5,035 $ 1,197 $ 97,348
Schedule of Amortized Cost and Aggregate Fair Values of Investments in Held-to-Maturity Securities	The amortized cost and aggregate fair values of investments in held-to-maturity securities as of December 31, 2016 are as follows ( dollars in thousands ): Held-to-maturity securities: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Mortgage backed securities $ 1,863 $ 38 $ — $ 1,901 U.S. Treasury securities and obligations of U.S. Government corporations and agencies 27 2 — 29 Total $ 1,890 $ 40 $ — $ 1,930 The amortized cost and aggregate fair values of investments in held-to-maturity securities as of June 30, 2017 are as follows ( dollars in thousands ): Held-to-maturity securities: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Mortgage backed securities $ 1,736 $ 48 $ — $ 1,784 U.S. Treasury securities and obligations of U.S. Government corporations and agencies 5 — — 5 Total $ 1,741 $ 48 $ — $ 1,789
Schedule of Amortized Cost and Aggregate Fair Value of Debt Securities, by Contractual Maturity	The amortized cost and aggregate fair value of debt securities at June 30, 2017 , by contractual maturity, are presented in the following table ( dollars in thousands ). Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. (Dollars in Thousands) Amortized Cost Fair Value Available-for-sale securities: Due in one year or less $ 1,240 $ 1,254 Due after one year through five years 15,766 15,881 Due after five years through ten years 32,905 33,456 Due after ten years 41,555 42,058 Total $ 91,466 $ 92,649 Held-to-maturity securities: Due in one year or less $ 13 $ 13 Due after one year through five years 1 1 Due after five years through ten years 70 76 Due after ten years 1,657 1,699 Total $ 1,741 $ 1,789
Schedule of Securities Available-for-Sale with Unrealized Losses	A summary of securities available-for-sale with unrealized losses as of December 31, 2016 , along with the related fair value, aggregated by the length of time that investments have been in a continuous unrealized loss position, is as follows ( dollars in thousands ): Less than 12 months 12 months or longer Total December 31, 2016 Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Total Securities in a Loss Position Fixed maturities Corporate debt securities $ 14,036 $ 396 $ 2,594 $ 482 $ 16,630 $ 878 33 Mortgage backed securities 4,235 84 847 89 5,082 173 16 Private label asset backed securities 1,774 53 3,261 112 5,035 165 11 Obligations of state and political subdivisions 4,154 147 — — 4,154 147 9 U.S. Treasury securities and obligations of U.S. Government corporations and agencies 11,421 294 291 14 11,712 308 16 Equity securities — — 1,258 28 1,258 28 1 $ 35,620 $ 974 $ 8,251 $ 725 $ 43,871 $ 1,699 86 A summary of securities available-for-sale with unrealized losses as of June 30, 2017 , along with the related fair value, aggregated by the length of time that investments have been in a continuous unrealized loss position, is as follows ( dollars in thousands ): Less than 12 months 12 months or longer Total June 30, 2017 Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Total Securities in a Loss Position Fixed maturities Corporate debt securities $ 8,639 $ 225 $ 3,571 $ 497 $ 12,210 $ 722 23 Mortgage backed securities 5,545 86 752 105 6,297 191 15 Private label asset backed securities 947 18 — — 947 18 1 Obligations of state and political subdivisions 3,330 66 496 8 3,826 74 9 U.S. Treasury securities and obligations of U.S. Government corporations and agencies 8,548 155 1,316 37 9,864 192 13 $ 27,009 $ 550 $ 6,135 $ 647 $ 33,144 $ 1,197 61
Summary of Major Categories of Investment Income	Major categories of investment income are summarized as follows (dollars in thousands): Three months ended Six months ended June 30, 2017 2016 2017 2016 Fixed maturities $ 841 $ 948 $ 1,658 $ 1,849 Equity securities 24 26 48 54 Mortgage loans on real estate 3 6 5 7 Investment real estate — 2 2 4 Policy loans 33 32 66 64 Company owned life insurance change in surrender value 14 19 57 53 Other 42 26 87 75 957 1,059 1,923 2,106 Less: Investment expenses 27 30 67 86 Net investment income $ 930 $ 1,029 $ 1,856 $ 2,020
Schedule of Realized Investments Gains (Losses)	Major categories of realized investment gains and losses are summarized as follows (dollars in thousands): Three months ended Six months ended June 30, 2017 2016 2017 2016 Fixed maturities $ 75 $ 243 $ 235 $ 260 Other, principally real estate 2 (1 ) 2 (11 ) Net realized investment gains $ 77 $ 242 $ 237 $ 249
Schedule of Net Change in Unrealized Appreciation	An analysis of the net change in unrealized appreciation on available-for-sale securities follows (dollars in thousands): June 30, 2017 December 31, 2016 Net change in unrealized appreciation on available-for-sale securities before deferred tax $ 1,282 $ 343 Deferred income tax (436 ) (117 ) Net change in unrealized appreciation on available-for-sale securities $ 846 $ 226

Fair Value of Financial Asset27

Fair Value of Financial Assets and Financial Liabilities (Tables)	6 Months Ended
	Jun. 30, 2017
Fair Value Disclosures [Abstract]
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis	Financial assets and liabilities measured at fair value on a recurring basis as of December 31, 2016 are summarized in the following table by the type of inputs applicable to the fair value measurements (in thousands): Fair Value Measurements at Reporting Date Using Description Total Level 1 Level 2 Level 3 Financial Assets Fixed maturities available-for-sale Corporate debt securities $ 40,403 $ — $ 40,403 $ — Mortgage backed securities 10,931 — 10,931 — Private label asset backed securities 7,774 — 7,774 — Obligations of states and political subdivisions 15,166 — 15,166 — U.S. Treasury securities and obligations of U.S. Government corporations and agencies 18,518 18,518 — — Trading securities 107 107 — — Equity securities available-for-sale 4,943 3,685 — 1,258 Total Financial Assets $ 97,842 $ 22,310 $ 74,274 $ 1,258 Financial Liabilities Interest rate swap $ (1,030 ) $ — $ — $ (1,030 ) Total Financial Liabilities $ (1,030 ) $ — $ — $ (1,030 ) Financial assets and liabilities measured at fair value on a recurring basis as of June 30, 2017 are summarized in the following table by the type of inputs applicable to the fair value measurements (in thousands): Fair Value Measurements at Reporting Date Using Description Total Level 1 Level 2 Level 3 Financial Assets Fixed maturities available-for-sale Corporate debt securities $ 39,998 $ — $ 39,998 $ — Mortgage backed securities 10,181 — 10,181 — Private label asset backed securities 10,225 — 10,225 — Obligations of states and political subdivisions 13,692 — 13,692 — U.S. Treasury securities and obligations of U.S. Government corporations and agencies 18,553 18,553 — — Trading securities 107 107 — — Equity securities available-for-sale 4,699 3,657 — 1,042 Total Financial Assets $ 97,455 $ 22,317 $ 74,096 $ 1,042 Financial Liabilities Interest rate swap $ (864 ) $ — $ — $ (864 ) Total Financial Liabilities $ (864 ) $ — $ — $ (864 )
Schedule of Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation	The table below presents a reconciliation for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the six months ended June 30, 2017 (in thousands): For the six months ended June 30, 2017 Equity Securities Available-for-Sale Interest Rate Swap Beginning balance $ 1,258 $ (1,030 ) Total gains or losses (realized and unrealized): Included in earnings — — Included in other comprehensive income 83 166 Purchases: 46 — Sales: (345 ) — Issuances: — — Settlements: — — Transfers in/(out) of Level 3 — — Ending balance $ 1,042 $ (864 ) The amount of total gains or losses for the period included in earnings attributable to the change in unrealized gains or losses relating to assets and liabilities still held as of June 30, 2017: $ — $ — The table below presents a reconciliation for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the year ended December 31, 2016 (in thousands): For the year ended December 31, 2016 Equity Securities Available-for-Sale Interest Rate Swap Beginning balance $ 1,173 $ (1,419 ) Total gains or losses (realized and unrealized): Included in earnings — — Included in other comprehensive income 85 389 Purchases: — — Sales: — — Issuances: — — Settlements: — — Transfers in/(out) of Level 3 — — Ending balance $ 1,258 $ (1,030 ) The amount of total gains or losses for the period included in earnings attributable to the change in unrealized gains or losses relating to assets and liabilities still held as of December 31, 2016: $ — $ —
Schedule of Fair Value, by Balance Sheet Grouping	The carrying amount and estimated fair value of the Company’s financial instruments as of June 30, 2017 and December 31, 2016 are as follows (in thousands): June 30, 2017 December 31, 2016 Assets and related instruments Carrying Value Estimated Fair Value Carrying Value Estimated Fair Value Held-to-maturity securities $ 1,741 $ 1,789 $ 1,890 $ 1,930 Mortgage loans 164 164 174 174 Policy loans 1,747 1,747 1,708 1,708 Company owned life insurance 4,920 4,920 4,864 4,864 Other invested assets 2,790 2,790 2,958 2,958 Liabilities and related instruments Other policyholder funds 1,669 1,669 1,629 1,629 Short-term notes payable and current portion of long-term debt 1,300 1,300 1,800 1,800 Long-term debt 15,332 15,332 15,326 15,326

Property and Equipment (Tables)

Property and Equipment (Tables)	6 Months Ended
	Jun. 30, 2017
Property, Plant and Equipment [Abstract]
Schedule of Property and Equipment	Major categories of property and equipment are summarized as follows (dollars in thousands): June 30, 2017 December 31, 2016 Building and improvements $ 3,379 $ 3,348 Electronic data processing equipment 1,559 1,548 Furniture and fixtures 508 515 5,446 5,411 Less accumulated depreciation 3,594 3,531 Property and equipment, net $ 1,852 $ 1,880

Income Taxes (Tables)

Income Taxes (Tables)	6 Months Ended
	Jun. 30, 2017
Income Tax Disclosure [Abstract]
Schedule of Deferred Tax Assets and Liabilities	The tax effect of significant differences representing deferred tax assets and liabilities are as follows (dollars in thousands): As of June 30, 2017 As of December 31, 2016 General expenses $ 1,655 $ 1,685 Unearned premiums 2,209 2,046 Claims liabilities 855 746 AMT credit 1,277 1,230 Impairment on real estate owned 187 187 Unrealized loss on interest rate swaps 294 350 Deferred tax assets 6,477 6,244 Depreciation (131 ) (135 ) Deferred policy acquisition costs (2,896 ) (2,839 ) Unrealized gains on securities available-for-sale (1,305 ) (868 ) Deferred tax liabilities (4,332 ) (3,842 ) Net deferred tax asset $ 2,145 $ 2,402
Changes in Temporary Differences in Federal Income Tax	The appropriate income tax effects of changes in temporary differences are as follows (dollars in thousands): Six months ended June 30, 2017 2016 Deferred policy acquisition costs $ 57 $ 69 Unearned premiums (163 ) (154 ) General expenses 30 25 Depreciation (4 ) 4 Claims liabilities (109 ) (75 ) AMT credit (47 ) 273 Deferred income tax expense (benefit) $ (236 ) $ 142
Schedule of Effective Income Tax Rate Reconciliation	Total income tax expense (benefit) varies from amounts computed by applying current federal income tax rates to income or loss before income taxes. The reasons for these differences and the approximate tax effects are as follows: Six months ended June 30, 2017 2016 Federal income tax rate applied to pre-tax income/loss 34.0 % 34.0 % Dividends received deduction and tax-exempt interest 1.4 % (1.5 )% Company owned life insurance 0.8 % (0.6 )% Small life deduction 11.5 % (5.4 )% Other, net (1.4 )% (1.1 )% Effective federal income tax rate 46.3 % 25.4 %

Notes Payable and Long-Term D30

Notes Payable and Long-Term Debt (Tables)	6 Months Ended
	Jun. 30, 2017
Debt Disclosure [Abstract]
Schedule of Short-term Debt	Short-term debt and current portion of long-term debt consisted of the following as of June 30, 2017 and December 31, 2016 ( dollars in thousands) : June 30, December 31, 2017 2016 Current portion of installment note payable $1,000,000 due March 2017 with $800,000 due November 2017 with variable interest rate equal to the WSJ prime rate plus 0.5%. Unsecured. $ 800 $ 1,800 Line of credit, $1,000,000 available, with variable interest rate equal to the WSJ prime rate, subject to a 4.5% floor; maturity September 2017. Interest payments due monthly. Secured. — — Line of credit with variable interest rate equal to the WSJ prime rate, subject to a 5.0% floor; maturity March 2018. Interest payments due quarterly. Unsecured. 500 — $ 1,300 $ 1,800
Schedule of Long-term Debt Instruments	Long-term debt consisted of the following as of June 30, 2017 and December 31, 2016 ( dollars in thousands ): June 30, December 31, 2017 2016 Promissory note with variable interest rate equal to the WSJ prime rate plus 0.5%; maturity November 2019. Annual installment payments beginning November 2017 with final balloon payment due November 30, 2019. Unsecured. $ 3,200 $ 3,200 Subordinated debentures issued on December 15, 2005 with fixed interest rate of 8.83% each distribution period thereafter until December 15, 2015 when the coupon rate shall equal the 3-Month LIBOR plus 3.75% applied to the outstanding principal; net of $173,000 in debt issuance cost ($178,000 in 2016); maturity December 2035. Interest payments due quarterly. All may be redeemed at any time following the tenth anniversary of issuance. Unsecured. 9,106 9,101 Subordinated debentures issued on June 21, 2007 with a floating interest rate equal to the 3-Month LIBOR plus 3.40% applied to the outstanding principal; net of $66,000 in debt issuance cost ($68,000 in 2016); maturity June 15, 2037. Interest payments due quarterly. All may be redeemed at any time following the fifth anniversary of issuance. Unsecured. 3,026 3,025 $ 15,332 $ 15,326

Policy and Claim Reserves (Tabl

Policy and Claim Reserves (Tables)	6 Months Ended
	Jun. 30, 2017
Insurance [Abstract]
Reconciliation of Policy and Claim Reserves	The following table is a reconciliation of beginning and ending property and casualty reserve balances for claims and claim adjustment expense (dollars in thousands): Six months ended 2017 2016 Summary of claims and claim adjustment expense reserves Balance, beginning of year $ 7,531 $ 9,645 Less reinsurance recoverable on unpaid losses 1,184 1,380 Net balances at beginning of year 6,347 8,265 Net losses: Provision for claims and claim adjustment expenses for claims arising in current year 22,667 17,105 Estimated claims and claim adjustment expenses for claims arising in prior years (1,202 ) (1,391 ) Total increases 21,465 15,714 Claims and claim adjustment expense payments for claims arising in: Current year 18,033 13,154 Prior years 2,532 4,245 Total payments 20,565 17,399 Net balance at end of period 7,247 6,580 Plus reinsurance recoverable on unpaid losses 356 427 Claims and claim adjustment expense reserves at end of period $ 7,603 $ 7,007

Reinsurance (Tables)

Reinsurance (Tables)	6 Months Ended
	Jun. 30, 2017
Reinsurance Disclosures [Abstract]
Schedule of Reinsurance	Catastrophe reinsurance coverage is maintained in three layers as follows: Layer Reinsurers' Limits of Liability First Layer 100% of $13,500,000 in excess of $4,000,000 retention Second Layer 100% of $25,000,000 in excess of $17,500,000 Third Layer 100% of $30,000,000 in excess of $42,500,000

Shareholders' Equity (Tables)

Shareholders' Equity (Tables)	6 Months Ended
	Jun. 30, 2017
Stockholders' Equity Note [Abstract]
Schedule of Stock by Class	The table below provides information regarding the Company's preferred and common stock as of June 30, 2017 and December 31, 2016 : June 30, 2017 December 31, 2016 Authorized Issued Outstanding Authorized Issued Outstanding Preferred Stock, $1 par value 500,000 — — 500,000 — — Class A Common Stock, $1 par value 2,000,000 — — 2,000,000 — — Common Stock, $1 par value 3,000,000 2,522,312 2,522,312 3,000,000 2,517,339 2,517,339

Accumulated Other Comprehensi34

Accumulated Other Comprehensive Income (Tables)	6 Months Ended
	Jun. 30, 2017
Equity [Abstract]
Schedule of Accumulated Other Comprehensive Income (Loss)	The following table presents changes in AOCI balances (dollars in thousands): Six months ended June 30, 2017 2016 Gains and Losses on Cash Flow Hedges Balance at beginning of period $ (679 ) $ (935 ) Other comprehensive loss for period: Other comprehensive gain (loss) before reclassifications 110 (81 ) Amounts reclassified from accumulated other comprehensive income — — Net current period other comprehensive income (loss) 110 (81 ) Balance at end of period $ (569 ) $ (1,016 ) Unrealized Gains and Losses on Available-for-Sale Securities Balance at beginning of period $ 1,686 $ 1,460 Other comprehensive income for period: Other comprehensive income before reclassifications 1,001 2,460 Amounts reclassified from accumulated other comprehensive income (155 ) (172 ) Net current period other comprehensive income 846 2,288 Balance at end of period $ 2,532 $ 3,748 Total Accumulated Other Comprehensive Income at end of period $ 1,963 $ 2,732
Reclassification out of Accumulated Other Comprehensive Income	The following table presents the amounts reclassified out of AOCI for the six months ended June 30, 2017 (dollars in thousands): Details about Accumulated Other Comprehensive Income Components Amounts Reclassified from Accumulated Other Comprehensive Income Affected Line Item in the Statement Where Net Income is Presented Unrealized Gains and Losses on Available-for-Sale Securities $ 235 Net realized investment gains 235 Total before tax (80 ) Tax (expense) or benefit $ 155 Net of Tax The following table presents the amounts reclassified out of AOCI for the six months ended June 30, 2016 (dollars in thousands): Details about Accumulated Other Comprehensive Income Components Amounts Reclassified from Accumulated Other Comprehensive Income Affected Line Item in the Statement Where Net Income is Presented Unrealized Gains and Losses on Available-for-Sale Securities $ 260 Net realized investment gains 260 Total before tax (88 ) Tax (expense) or benefit $ 172 Net of Tax

Segments (Tables)

Segments (Tables)	6 Months Ended
	Jun. 30, 2017
Segment Reporting, Disclosure of Entity's Reportable Segments [Abstract]
Schedule of Segment Reporting Information, by Segment	Total assets by industry segment at June 30, 2017 and at December 31, 2016 are summarized below ( dollars in thousands ): Total P&C Insurance Operations Life Insurance Operations Non-Insurance Operations June 30, 2017 $ 149,602 $ 82,703 $ 59,955 $ 6,944 December 31, 2016 $ 148,579 $ 82,647 $ 58,689 $ 7,243 Premium revenues and operating income by business segment for the three and six months ended June 30, 2017 and 2016 are summarized below ( dollars in thousands ): Three months ended June 30, 2017 Total P&C Insurance Operations Life Insurance Operations Non-Insurance Operations REVENUE Net premiums earned $ 15,331 $ 13,749 $ 1,582 $ — Net investment income 930 386 527 17 Net realized investment gains (losses) 77 60 17 — Other income 145 145 — — 16,483 14,340 2,126 17 BENEFITS AND EXPENSES Policyholder benefits paid 12,581 11,274 1,307 — Amortization of deferred policy acquisition costs 819 695 124 — Commissions 1,758 1,689 69 — General and administrative expenses 2,215 1,602 339 274 Taxes, licenses and fees 517 475 42 — Interest expense 326 — 20 306 18,216 15,735 1,901 580 Income (Loss) Before Income Taxes $ (1,733 ) $ (1,395 ) $ 225 $ (563 ) Three months ended June 30, 2016 Total P&C Insurance Operations Life Insurance Operations Non-Insurance Operations REVENUE Net premiums earned $ 15,227 $ 13,646 $ 1,581 $ — Net investment income 1,029 455 559 15 Net realized investment gains 242 185 57 — Other income 150 150 — — 16,648 14,436 2,197 15 BENEFITS AND EXPENSES Policyholder benefits paid 8,862 7,577 1,285 — Amortization of deferred policy acquisition costs 906 695 211 — Commissions 2,117 2,020 97 — General and administrative expenses 2,158 1,704 310 144 Taxes, licenses and fees 574 529 45 — Interest expense 333 — 20 313 14,950 12,525 1,968 457 Income (Loss) Before Income Taxes $ 1,698 $ 1,911 $ 229 $ (442 ) Six months ended June 30, 2017 Total P&C Insurance Operations Life Insurance Operations Non-Insurance Operations REVENUE Net premiums earned $ 30,371 $ 27,238 $ 3,133 $ — Net investment income 1,856 778 1,046 32 Net realized investment gains (losses) 237 60 177 — Other income 297 295 2 — 32,761 28,371 4,358 32 BENEFITS AND EXPENSES Policyholder benefits paid 23,727 21,192 2,535 — Amortization of deferred policy acquisition costs 1,764 1,389 375 — Commissions 3,851 3,713 138 — General and administrative expenses 4,012 2,877 618 517 Taxes, licenses and fees 1,206 1,067 139 — Interest expense 649 — 39 610 35,209 30,238 3,844 1,127 Income (Loss) Before Income Taxes $ (2,448 ) $ (1,867 ) $ 514 $ (1,095 ) Six months ended June 30, 2016 Total P&C Insurance Operations Life Insurance Operations Non-Insurance Operations REVENUE Net premiums earned $ 30,392 $ 27,247 $ 3,145 $ — Net investment income 2,020 908 1,080 32 Net realized investment gains 249 185 64 — Other income 304 303 1 — 32,965 28,643 4,290 32 BENEFITS AND EXPENSES Policyholder benefits paid 17,909 15,439 2,470 — Amortization of deferred policy acquisition costs 1,693 1,391 302 — Commissions 4,225 4,036 189 — General and administrative expenses 4,287 3,125 815 347 Taxes, licenses and fees 1,174 1,064 110 — Interest expense 678 — 38 640 29,966 25,055 3,924 987 Income (Loss) Before Income Taxes $ 2,999 $ 3,588 $ 366 $ (955 )
Schedule of Gross and Net Premiums Written	The following table presents the Company’s gross and net premiums written for the property and casualty segment and the life and accident and health segment for the three and six months ended June 30, 2017 and 2016, respectively: Three months ended June 30, Six months ended June 30, 2017 2016 2017 2016 Life, accident and health operations premiums written: Traditional life insurance $ 1,093 $ 1,124 $ 2,238 $ 2,243 Accident and health insurance 406 409 829 827 Gross life, accident and health 1,499 1,533 3,067 3,070 Reinsurance premium ceded (14 ) (23 ) (43 ) (48 ) Net life, accident and health premiums written $ 1,485 $ 1,510 $ 3,024 $ 3,022 Property and Casualty operations premiums written: Dwelling fire & extended coverage $ 10,040 $ 9,716 $ 19,471 $ 18,908 Homeowners (Including mobile homeowners) 6,409 6,674 12,036 12,386 Other liability 590 570 1,133 1,093 Gross property and casualty 17,039 16,960 32,640 32,387 Reinsurance premium ceded (1,707 ) (1,697 ) (2,809 ) (2,699 ) Net property and casualty written $ 15,332 $ 15,263 $ 29,831 $ 29,688 Consolidated gross premiums written $ 18,538 $ 18,493 $ 35,707 $ 35,457 Reinsurance premium ceded (1,721 ) (1,720 ) (2,852 ) (2,747 ) Consolidated net premiums written $ 16,817 $ 16,773 $ 32,855 $ 32,710
Schedule of Gross and Net Premiums Earned	The following table presents the Company’s gross and net premiums earned for the property and casualty segment and the life and accident and health segment for the three and six months ended June 30, 2017 and 2016, respectively: Three months ended June 30, Six months ended June 30, 2017 2016 2017 2016 Life, accident and health operations premiums earned: Traditional life insurance $ 1,188 $ 1,194 $ 2,346 $ 2,367 Accident and health insurance 408 410 830 826 Gross life, accident and health 1,596 1,604 3,176 3,193 Reinsurance premium ceded (14 ) (23 ) (43 ) (48 ) Net life, accident and health premiums earned $ 1,582 $ 1,581 $ 3,133 $ 3,145 Property and Casualty operations premiums earned: Dwelling fire & extended coverage $ 9,032 $ 8,807 $ 17,848 $ 17,469 Homeowners (Including mobile homeowners) 5,744 5,881 11,464 11,787 Other liability 527 503 1,040 996 Gross property and casualty 15,303 15,191 30,352 30,252 Reinsurance premium ceded (1,554 ) (1,545 ) (3,114 ) (3,005 ) Net property and casualty earned $ 13,749 $ 13,646 $ 27,238 $ 27,247 Consolidated gross premiums earned $ 16,899 $ 16,795 $ 33,528 $ 33,445 Reinsurance premium ceded (1,568 ) (1,568 ) (3,157 ) (3,053 ) Consolidated net premiums earned $ 15,331 $ 15,227 $ 30,371 $ 30,392

Significant Accounting Polici36

Significant Accounting Policies (Earnings Per Share) (Details) - shares	6 Months Ended
	Jun. 30, 2017	Jun. 30, 2016
Accounting Policies [Abstract]
Weighted average number of shares outstanding	2,518,520	2,513,559

Significant Accounting Polici37

Significant Accounting Policies (Concentration of Credit Risk) (Details) - USD ($)	Jun. 30, 2017	Dec. 31, 2016
Concentration Risk [Line Items]
Cash, uninsured amount	$ 5,928,000
Policy receivables and agents' balances, net	13,032,000	$ 11,434,000
Single Largest Agent Balance Due
Concentration Risk [Line Items]
Policy receivables and agents' balances, net	$ 1,142,000

Variable Interest Entities (Det

Variable Interest Entities (Details) - USD ($) $ in Thousands	1 Months Ended		6 Months Ended
	Jun. 30, 2007	Dec. 31, 2005	Jun. 30, 2017
Variable Interest Entity [Line Items]
Carrying amount of investments			$ 228
Trust Preferred Security Offering, 2005
Variable Interest Entity [Line Items]
Payments to acquire trust preferred securities		$ 9,000
Subordinated debt		9,279
Proceeds from issuance of trust preferred securities		9,005
Equity investment		$ 279
Trust Preferred Security Offering, 2007
Variable Interest Entity [Line Items]
Payments to acquire trust preferred securities	$ 3,000
Proceeds from issuance of trust preferred securities	2,995
Equity investment	93
Trust Preferred Security Offering, 2007 | Unsecured Debt
Variable Interest Entity [Line Items]
Subordinated debt	$ 3,093
Maximum
Variable Interest Entity [Line Items]
Limited partnership, percent owned			1.00%

Investments (Narrative) (Detail

Investments (Narrative) (Details) - USD ($)	6 Months Ended	12 Months Ended
	Jun. 30, 2017	Dec. 31, 2016
Gain (Loss) on Investments [Line Items]
Securities held-to-maturity with unrealized losses	$ 0	$ 0
Other-than-temporary impairments, available-for-sale securities	0	0
Single Largest Loss Position	327,000	340,000
Second Largest Loss Position	86,000	85,000
Third Largest Loss Position	$ 77,000	$ 66,000
Maximum
Gain (Loss) on Investments [Line Items]
Percent of investment portfolio below investment grade	6.44%

Investments (Available-for-Sale

Investments (Available-for-Sale Securities) (Details) - USD ($) $ in Thousands	Jun. 30, 2017	Dec. 31, 2016
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	$ 93,510	$ 95,180
Gross Unrealized Gains	5,035	4,254
Gross Unrealized Losses	1,197	1,699
Fair Value	97,348	97,735
Corporate debt securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	39,520	40,533
Gross Unrealized Gains	1,200	748
Gross Unrealized Losses	722	878
Fair Value	39,998	40,403
Mortgage backed securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	10,238	10,970
Gross Unrealized Gains	134	134
Gross Unrealized Losses	191	173
Fair Value	10,181	10,931
Private label asset backed securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	9,962	7,910
Gross Unrealized Gains	281	29
Gross Unrealized Losses	18	165
Fair Value	10,225	7,774
Obligations of states and political subdivisions
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	13,268	14,806
Gross Unrealized Gains	498	507
Gross Unrealized Losses	74	147
Fair Value	13,692	15,166
U.S. Treasury securities and obligations of U.S. Government corporations and agencies
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	18,478	18,618
Gross Unrealized Gains	267	208
Gross Unrealized Losses	192	308
Fair Value	18,553	18,518
Total fixed maturities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	91,466	92,837
Gross Unrealized Gains	2,380	1,626
Gross Unrealized Losses	1,197	1,671
Fair Value	92,649	92,792
Equity securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	2,044	2,343
Gross Unrealized Gains	2,655	2,628
Gross Unrealized Losses	0	28
Fair Value	$ 4,699	$ 4,943

Investments (Held-to-Maturity S

Investments (Held-to-Maturity Securities) (Details) - USD ($) $ in Thousands	Jun. 30, 2017	Dec. 31, 2016
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	$ 1,741	$ 1,890
Held-to-maturity securities, unrealized gains	48	40
Held-to-maturity securities, unrealized losses	0	0
Fair Value	1,789	1,930
Mortgage backed securities
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	1,736	1,863
Held-to-maturity securities, unrealized gains	48	38
Held-to-maturity securities, unrealized losses	0	0
Fair Value	1,784	1,901
U.S. Treasury securities and obligations of U.S. Government corporations and agencies
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	5	27
Held-to-maturity securities, unrealized gains	0	2
Held-to-maturity securities, unrealized losses	0	0
Fair Value	$ 5	$ 29

Investments (Amortized Cost and

Investments (Amortized Cost and Aggregate Fair Value of Debt Securities, by Contractual Maturity) (Details) - USD ($) $ in Thousands	Jun. 30, 2017	Dec. 31, 2016
Investments [Abstract]
Available-for-sale Securities, Due in one year or less, Amortized Cost	$ 1,240
Available-for-sale Securities, Due in one year or less, Fair Value	1,254
Available-for-sale Securities, Due after one year through five years, Amortized Cost	15,766
Available-for-sale Securities, Due after one year through five years, Fair Value	15,881
Available-for-sale Securities, Due after five years through ten years, Amortized Cost	32,905
Available-for-sale Securities, Due after five years through ten years, Fair Value	33,456
Available-for-sale Securities, Due after ten years, Amortized Cost	41,555
Available-for-sale Securities, Due after ten years, Fair Value	42,058
Available-for-sale securities, Amortized Cost	91,466	$ 92,837
Available-for-sale Securities, Fair Value	92,649
Held-to-maturity Securities, Due in one year or less, Amortized Cost	13
Held-to-maturity Securities, Due in one year or less, Fair Value	13
Held-to-maturity Securities, Due after one year through five years, Amortized Cost	1
Held-to-maturity Securities, Due after one year through five years, Fair Value	1
Held-to-maturity Securities, Due after five years through ten years, Amortized Cost	70
Held-to-maturity Securities, Due after five years through ten years, Fair Value	76
Held-to-maturity Securities, Due after ten years, Amortized Cost	1,657
Held-to-maturity Securities, Due after ten years, Fair Value	1,699
Held-to-maturity Securities, Amortized Cost	1,741	1,890
Held-to-maturity Securities, Fair Value	$ 1,789	$ 1,930

Investments (Schedule of Contin

Investments (Schedule of Continuous Losses) (Details) $ in Thousands	Jun. 30, 2017USD ($)	Dec. 31, 2016USD ($)
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	$ 27,009	$ 35,620
Less than 12 Months, Gross Unrealized Losses	550	974
12 Months or Longer, Fair Value	6,135	8,251
12 Months or Longer, Gross Unrealized Losses	647	725
Total Fair Value	33,144	43,871
Total Gross Unrealized Losses	$ 1,197	$ 1,699
Total Securities in a Loss Position	61	86
Corporate debt securities
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	$ 8,639	$ 14,036
Less than 12 Months, Gross Unrealized Losses	225	396
12 Months or Longer, Fair Value	3,571	2,594
12 Months or Longer, Gross Unrealized Losses	497	482
Total Fair Value	12,210	16,630
Total Gross Unrealized Losses	$ 722	$ 878
Total Securities in a Loss Position	23	33
Mortgage backed securities
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	$ 5,545	$ 4,235
Less than 12 Months, Gross Unrealized Losses	86	84
12 Months or Longer, Fair Value	752	847
12 Months or Longer, Gross Unrealized Losses	105	89
Total Fair Value	6,297	5,082
Total Gross Unrealized Losses	$ 191	$ 173
Total Securities in a Loss Position	15	16
Private label asset backed securities
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	$ 947	$ 1,774
Less than 12 Months, Gross Unrealized Losses	18	53
12 Months or Longer, Fair Value	0	3,261
12 Months or Longer, Gross Unrealized Losses	0	112
Total Fair Value	947	5,035
Total Gross Unrealized Losses	$ 18	$ 165
Total Securities in a Loss Position	1	11
Obligations of states and political subdivisions
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	$ 3,330	$ 4,154
Less than 12 Months, Gross Unrealized Losses	66	147
12 Months or Longer, Fair Value	496	0
12 Months or Longer, Gross Unrealized Losses	8	0
Total Fair Value	3,826	4,154
Total Gross Unrealized Losses	$ 74	$ 147
Total Securities in a Loss Position	9	9
U.S. Treasury securities and obligations of U.S. Government corporations and agencies
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	$ 8,548	$ 11,421
Less than 12 Months, Gross Unrealized Losses	155	294
12 Months or Longer, Fair Value	1,316	291
12 Months or Longer, Gross Unrealized Losses	37	14
Total Fair Value	9,864	11,712
Total Gross Unrealized Losses	$ 192	$ 308
Total Securities in a Loss Position	13	16
Equity securities
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value		$ 0
Less than 12 Months, Gross Unrealized Losses		0
12 Months or Longer, Fair Value		1,258
12 Months or Longer, Gross Unrealized Losses		28
Total Fair Value		1,258
Total Gross Unrealized Losses		$ 28
Total Securities in a Loss Position		1

Investments (Major Categories o

Investments (Major Categories of Investment Income) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2017	Jun. 30, 2016	Jun. 30, 2017	Jun. 30, 2016
Summary of Investments, Other than Investments in Related Parties, Reportable Data [Line Items]
Gross investment income	$ 957	$ 1,059	$ 1,923	$ 2,106
Less: Investment expenses	27	30	67	86
Net investment income	930	1,029	1,856	2,020
Fixed maturities
Summary of Investments, Other than Investments in Related Parties, Reportable Data [Line Items]
Gross investment income	841	948	1,658	1,849
Equity securities
Summary of Investments, Other than Investments in Related Parties, Reportable Data [Line Items]
Gross investment income	24	26	48	54
Mortgage loans on real estate
Summary of Investments, Other than Investments in Related Parties, Reportable Data [Line Items]
Gross investment income	3	6	5	7
Investment real estate
Summary of Investments, Other than Investments in Related Parties, Reportable Data [Line Items]
Gross investment income	0	2	2	4
Policy loans
Summary of Investments, Other than Investments in Related Parties, Reportable Data [Line Items]
Gross investment income	33	32	66	64
Company owned life insurance change in surrender value
Summary of Investments, Other than Investments in Related Parties, Reportable Data [Line Items]
Gross investment income	14	19	57	53
Other
Summary of Investments, Other than Investments in Related Parties, Reportable Data [Line Items]
Gross investment income	$ 42	$ 26	$ 87	$ 75

Investments (Major Categories45

Investments (Major Categories of Investment Gains and Losses) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2017	Jun. 30, 2016	Jun. 30, 2017	Jun. 30, 2016
Gain (Loss) on Investments [Line Items]
Net realized investment gains	$ 77	$ 242	$ 237	$ 249
Fixed maturities
Gain (Loss) on Investments [Line Items]
Net realized investment gains	75	243	235	260
Other, principally real estate
Gain (Loss) on Investments [Line Items]
Net realized investment gains	$ 2	$ (1)	$ 2	$ (11)

Investments (Schedule of Unreal

Investments (Schedule of Unrealized Appreciation) (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2017	Dec. 31, 2016
Investments [Abstract]
Net change in unrealized appreciation on available-for-sale securities before deferred tax	$ 1,282	$ 343
Deferred income tax	(436)	(117)
Net change in unrealized appreciation on available-for-sale securities	$ 846	$ 226

Fair Value of Financial Asset47

Fair Value of Financial Assets and Financial Liabilities (Narrative) (Details) - USD ($)	Jun. 30, 2017	Dec. 31, 2016
Fair Value Disclosures [Abstract]
Fair value measurements of assets	$ 1,042,000
Fair value measurements of liabilities	(864,000)
Assets measured at fair values on a nonrecurring basis	0	$ 0
Liabilities measured at fair values on a nonrecurring basis	$ 0	$ 0

Fair Value of Financial Asset48

Fair Value of Financial Assets and Financial Liabilities (Assets/Liabilities Measured at Fair Value on a Recurring Basis) (Details) - USD ($) $ in Thousands	Jun. 30, 2017	Dec. 31, 2016
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	$ 97,348	$ 97,735
Trading securities	107	107
Recurring Basis
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total Financial Assets	97,455	97,842
Total Financial Liabilities	(864)	(1,030)
Recurring Basis | Financial Liabilities | Interest rate swap
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total Financial Liabilities	(864)	(1,030)
Recurring Basis | Corporate debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	39,998	40,403
Recurring Basis | Mortgage backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	10,181	10,931
Recurring Basis | Private label asset backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	10,225	7,774
Recurring Basis | Obligations of states and political subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	13,692	15,166
Recurring Basis | U.S. Treasury securities and obligations of U.S. Government corporations and agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	18,553	18,518
Recurring Basis | Trading securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading securities	107	107
Recurring Basis | Equity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	4,699	4,943
Recurring Basis | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total Financial Assets	22,317	22,310
Total Financial Liabilities	0	0
Recurring Basis | Level 1 | Financial Liabilities | Interest rate swap
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total Financial Liabilities	0	0
Recurring Basis | Level 1 | Corporate debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	0	0
Recurring Basis | Level 1 | Mortgage backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	0	0
Recurring Basis | Level 1 | Private label asset backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	0	0
Recurring Basis | Level 1 | Obligations of states and political subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	0	0
Recurring Basis | Level 1 | U.S. Treasury securities and obligations of U.S. Government corporations and agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	18,553	18,518
Recurring Basis | Level 1 | Trading securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading securities	107	107
Recurring Basis | Level 1 | Equity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	3,657	3,685
Recurring Basis | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total Financial Assets	74,096	74,274
Total Financial Liabilities	0	0
Recurring Basis | Level 2 | Financial Liabilities | Interest rate swap
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total Financial Liabilities	0	0
Recurring Basis | Level 2 | Corporate debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	39,998	40,403
Recurring Basis | Level 2 | Mortgage backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	10,181	10,931
Recurring Basis | Level 2 | Private label asset backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	10,225	7,774
Recurring Basis | Level 2 | Obligations of states and political subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	13,692	15,166
Recurring Basis | Level 2 | U.S. Treasury securities and obligations of U.S. Government corporations and agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	0	0
Recurring Basis | Level 2 | Trading securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading securities	0	0
Recurring Basis | Level 2 | Equity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	0	0
Recurring Basis | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total Financial Assets	1,042	1,258
Total Financial Liabilities	(864)	(1,030)
Recurring Basis | Level 3 | Financial Liabilities | Interest rate swap
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total Financial Liabilities	(864)	(1,030)
Recurring Basis | Level 3 | Corporate debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	0	0
Recurring Basis | Level 3 | Mortgage backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	0	0
Recurring Basis | Level 3 | Private label asset backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	0	0
Recurring Basis | Level 3 | Obligations of states and political subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	0	0
Recurring Basis | Level 3 | U.S. Treasury securities and obligations of U.S. Government corporations and agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	0	0
Recurring Basis | Level 3 | Trading securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading securities	0	0
Recurring Basis | Level 3 | Equity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	$ 1,042	$ 1,258

Fair Value of Financial Asset49

Fair Value of Financial Assets and Financial Liabilities (Level 3 Reconciliation) (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2017	Dec. 31, 2016
Equity Securities Available-for-Sale
Ending balance	$ 1,042
Interest Rate Swap
Ending balance	(864)
Recurring Basis | Interest rate swap
Interest Rate Swap
Beginning balance	(1,030)	$ (1,419)
Included in earnings	0	0
Included in other comprehensive income	166	389
Purchases:	0	0
Sales:	0	0
Issuances:	0	0
Settlements:	0	0
Transfers in/(out) of Level 3	0	0
Ending balance	(864)	(1,030)
The amount of total gains or losses for the period included in earnings attributable to the change in unrealized gains or losses relating to assets and liabilities still held	0	0
Recurring Basis | Total fixed maturities
Equity Securities Available-for-Sale
Beginning balance:	1,258	1,173
Included in earnings	0	0
Included in other comprehensive income	83	85
Purchases:	46	0
Sales:	(345)	0
Issuances:	0	0
Settlements:	0	0
Transfers in/(out) of Level 3	0	0
Ending balance	1,042	1,258
The amount of total gains or losses for the period included in earnings attributable to the change in unrealized gains or losses relating to assets and liabilities still held	$ 0	$ 0

Fair Value of Financial Asset50

Fair Value of Financial Assets and Financial Liabilities (Fair Value of Assets and Liabilities) (Details) - USD ($) $ in Thousands	Jun. 30, 2017	Dec. 31, 2016
Other policyholder funds
Liabilities and Related Instruments [Abstract]
Carrying Value, Liabilities	$ 1,669	$ 1,629
Estimated Fair Value, Liabilities	1,669	1,629
Short-term notes payable and current portion of long-term debt
Liabilities and Related Instruments [Abstract]
Carrying Value, Liabilities	1,300	1,800
Estimated Fair Value, Liabilities	1,300	1,800
Long-term debt
Liabilities and Related Instruments [Abstract]
Carrying Value, Liabilities	15,332	15,326
Estimated Fair Value, Liabilities	15,332	15,326
Held-to-maturity securities
Assets and Related Instruments [Abstract]
Carrying Value, Assets	1,741	1,890
Estimated Fair Value, Assets	1,789	1,930
Mortgage loans on real estate
Assets and Related Instruments [Abstract]
Carrying Value, Assets	164	174
Estimated Fair Value, Assets	164	174
Policy loans
Assets and Related Instruments [Abstract]
Carrying Value, Assets	1,747	1,708
Estimated Fair Value, Assets	1,747	1,708
Company owned life insurance
Assets and Related Instruments [Abstract]
Carrying Value, Assets	4,920	4,864
Estimated Fair Value, Assets	4,920	4,864
Other invested assets
Assets and Related Instruments [Abstract]
Carrying Value, Assets	2,790	2,958
Estimated Fair Value, Assets	$ 2,790	$ 2,958

Property and Equipment (Details

Property and Equipment (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2017	Dec. 31, 2016
Property, Plant and Equipment [Line Items]
Property and equipment, gross	$ 5,446	$ 5,411
Less accumulated depreciation	3,594	3,531
Property and equipment, net	1,852	1,880
Depreciation expense	79	159
Building and improvements
Property, Plant and Equipment [Line Items]
Property and equipment, gross	3,379	3,348
Electronic data processing equipment
Property, Plant and Equipment [Line Items]
Property and equipment, gross	1,559	1,548
Furniture and fixtures
Property, Plant and Equipment [Line Items]
Property and equipment, gross	$ 508	$ 515

Income Taxes (Narrative) (Detai

Income Taxes (Narrative) (Details) - USD ($) $ in Thousands	Jun. 30, 2017	Dec. 31, 2016
Income Tax Disclosure [Abstract]
Net deferred tax asset position	$ 2,145	$ 2,402

Income Taxes (Deferred Tax Asse

Income Taxes (Deferred Tax Assets and Liabilities) (Details) - USD ($) $ in Thousands	Jun. 30, 2017	Dec. 31, 2016
Income Tax Disclosure [Abstract]
General expenses	$ 1,655	$ 1,685
Unearned premiums	2,209	2,046
Claims liabilities	855	746
AMT Credit	1,277	1,230
Impairment on real estate owned	187	187
Unrealized loss on interest rate swaps	294	350
Deferred tax assets	6,477	6,244
Depreciation	(131)	(135)
Deferred policy acquisition costs	(2,896)	(2,839)
Unrealized gains on securities available-for-sale	(1,305)	(868)
Deferred tax liabilities	(4,332)	(3,842)
Net deferred tax asset	$ 2,145	$ 2,402

Income Taxes (Schedule of Inco

Income Taxes (Schedule of Income Tax Effects of Changes in Temporary Differences) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2017	Jun. 30, 2016	Jun. 30, 2017	Jun. 30, 2016
Income Tax Disclosure [Abstract]
Deferred policy acquisition costs			$ 57	$ 69
Unearned premiums			(163)	(154)
General expenses			30	25
Depreciation			(4)	4
Claims liabilities			(109)	(75)
AMT credit			(47)	273
Deferred income tax expense (benefit)	$ (162)	$ 3	$ (236)	$ 142

Income Taxes (Schedule of Effec

Income Taxes (Schedule of Effective Income Tax Rate Reconciliation) (Details)	6 Months Ended
	Jun. 30, 2017	Jun. 30, 2016
Income Tax Disclosure [Abstract]
Federal income tax rate applied to pre-tax income/loss	34.00%	34.00%
Dividends received deduction and tax-exempt interest	1.40%	(1.50%)
Company owned life insurance	0.80%	(0.60%)
Small life deduction	11.50%	(5.40%)
Other, net	(1.40%)	(1.10%)
Effective federal income tax rate	46.30%	25.40%

Notes Payable and Long-Term D56

Notes Payable and Long-Term Debt (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2017	Jun. 30, 2016	Jun. 30, 2017	Jun. 30, 2016	Dec. 31, 2016	Dec. 31, 2010	May 26, 2010	Dec. 31, 2009	Mar. 19, 2009
Debt Instrument [Line Items]
Derivative, Notional Amount							$ 9,000		$ 3,000
Derivative, fixed interest rate							8.49%		7.02%
Cash flow hedge, derivative instrument liabilities at fair value	$ 864		$ 864		$ 1,030
Unrealized gain on interest rate swap	40	$ 21	110	$ (81)	256
Available-for-sale securities pledged as collateral	$ 1,465		$ 1,465		1,466
Cash pledged as collateral					$ 231
Interest rate swap
Debt Instrument [Line Items]
Cash flow hedge, liability at fair value								$ 110
Cash flow hedging
Debt Instrument [Line Items]
Cash flow hedge, liability at fair value						$ 754

Notes Payable and Long-Term D57

Notes Payable and Long-Term Debt (Short-Term Debt) (Details) - USD ($)	6 Months Ended
	Jun. 30, 2017	Dec. 31, 2016
Short-term Debt [Line Items]
Short-term notes payable and current portion of long-term debt	$ 1,300,000	$ 1,800,000
Notes Payable to Banks | Unsecured Debt
Short-term Debt [Line Items]
Short-term notes payable and current portion of long-term debt	800,000	1,800,000
Notes Payable to Banks | Unsecured Debt | Notes due March 2017
Short-term Debt [Line Items]
Current borrowing capacity	$ 1,000,000
Interest rate description	WSJ
Basis spread on variable rate	0.50%
Notes Payable to Banks | Unsecured Debt | Notes due November 2017
Short-term Debt [Line Items]
Current borrowing capacity	$ 800,000
Interest rate description	WSJ
Basis spread on variable rate	0.50%
Line of Credit | Unsecured Debt
Short-term Debt [Line Items]
Short-term notes payable and current portion of long-term debt	$ 500,000	0
Interest rate description	WSJ
Basis spread on variable rate	5.00%
Line of Credit | Secured Debt
Short-term Debt [Line Items]
Short-term notes payable and current portion of long-term debt	$ 0	$ 0
Current borrowing capacity	$ 1,000,000
Interest rate description	WSJ
Basis spread on variable rate	4.50%

Notes Payable and Long-Term D58

Notes Payable and Long-Term Debt (Schedule of Long-Term Debt) (Details) - USD ($) $ in Thousands	Jun. 21, 2007	Dec. 15, 2005	Jun. 30, 2017	Dec. 31, 2016
Debt Instrument [Line Items]
Long-term debt			$ 15,332	$ 15,326
Unsecured Debt | Promissory Note due November 2019
Debt Instrument [Line Items]
Long-term debt			$ 3,200	3,200
Payment terms			Annual installment payments
Unsecured Debt | Promissory Note due November 2019 | Prime Rate
Debt Instrument [Line Items]
Basis spread on variable rate			5.00%
Unsecured Debt | Trust Preferred Security Offering, 2005
Debt Instrument [Line Items]
Long-term debt			$ 9,106	9,101
Fixed interest rate		8.83%
Payment terms			Interest payments due quarterly
Debt issuance costs, net			$ 173	178
Unsecured Debt | Trust Preferred Security Offering, 2005 | Three-month LIBOR
Debt Instrument [Line Items]
Basis spread on variable rate		3.75%
Unsecured Debt | Trust Preferred Security Offering, 2007
Debt Instrument [Line Items]
Long-term debt			$ 3,026	3,025
Payment terms			Interest payments due quarterly
Debt issuance costs, net			$ 66	$ 68
Unsecured Debt | Trust Preferred Security Offering, 2007 | Three-month LIBOR
Debt Instrument [Line Items]
Basis spread on variable rate	3.40%

Policy and Claim Reserves (Narr

Policy and Claim Reserves (Narrative) (Details) - USD ($)	6 Months Ended
	Jun. 30, 2017	Jun. 30, 2016	Dec. 31, 2016
Insurance [Abstract]
Estimated claims and claim adjustment expenses for claims arising in prior years	$ (1,202,000)	$ (1,391,000)
Reserve for unpaid claims	306,000		$ 391,000
Policy and contract claims	$ 833,000		$ 1,008,000

Policy and Claim Reserves (Prop

Policy and Claim Reserves (Property and Casualty Reserve) (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2017	Jun. 30, 2016	Dec. 31, 2016	Dec. 31, 2015
Liability for Unpaid Claims and Claims Adjustment Expense [Roll Forward]
Less reinsurance recoverable on unpaid losses	$ 506		$ 1,780
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims [Abstract]
Estimated claims and claim adjustment expenses for claims arising in prior years	(1,202)	$ (1,391)
Consolidated Property and Casualty Insurance Entity
Liability for Unpaid Claims and Claims Adjustment Expense [Roll Forward]
Policy and contract claims	7,603	7,007	7,531	$ 9,645
Less reinsurance recoverable on unpaid losses	356	427	1,184	1,380
Net balances at beginning of year	7,247	6,580	$ 6,347	$ 8,265
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims [Abstract]
Provision for claims and claim adjustment expenses for claims arising in current year	22,667	17,105
Estimated claims and claim adjustment expenses for claims arising in prior years	(1,202)	(1,391)
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims	21,465	15,714
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid [Abstract]
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Current Year	18,033	13,154
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Prior Years	2,532	4,245
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid	$ 20,565	$ 17,399

Reinsurance (Reinsurers' Limits

Reinsurance (Reinsurers' Limits of Liability) (Details) - USD ($)	6 Months Ended
	Jun. 30, 2017	Dec. 31, 2016
Reinsurance Maintained by Layers [Line Items]
Catastrophe reinsurance retention	$ 4,000,000
Life insurance policy reinsurance limit	50,000
Reinsurance recoverable	506,000	$ 1,780,000
Single Reinsurer
Reinsurance Maintained by Layers [Line Items]
Reinsurance recoverable	$ 321,000	$ 332,000
First Layer
Reinsurance Maintained by Layers [Line Items]
Percent of reinsured losses covered by layer	100.00%
Covered losses	$ 13,500,000
Reinsurer's limit of liability	$ 17,500,000
Second Layer
Reinsurance Maintained by Layers [Line Items]
Percent of reinsured losses covered by layer	100.00%
Covered losses	$ 25,000,000
Reinsurer's limit of liability	$ 42,500,000
Third Layer
Reinsurance Maintained by Layers [Line Items]
Percent of reinsured losses covered by layer	100.00%
Covered losses	$ 30,000,000
Reinsurer's limit of liability	$ 72,500,000

Employee Benefit Plans (Details

Employee Benefit Plans (Details)	6 Months Ended
	Jun. 30, 2017USD ($)hours	Jun. 30, 2016USD ($)
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Minimum hours of service completed in year of contribution | hours	1,000
Matching contribution	$ 99,000	$ 113,000
Employer matching contribution, percent	5.00%
Cash contributions to ESOP	$ 268,000	150,000
Employee Stock Ownership Plan (ESOP), Debt Structure, Indirect Loan, Amount	0
Non-Qualified Deferred Compensation Plans
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Deferred compensation arrangement	$ 143,000	$ 107,000
Executive Officers
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Employer matching contribution, percent	15.00%

Shareholders' Equity (Narrative

Shareholders' Equity (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2017	Jun. 30, 2016	Jun. 30, 2017	Jun. 30, 2016	Dec. 31, 2016
Stockholders' Equity Note [Abstract]
Net income (loss)	$ (999)	$ 1,296	$ (1,315)	$ 2,237	$ 3,063
Dividends paid			(252)		(452)
Other comprehensive income, net of tax	$ 542	$ 1,151	$ 956	$ 2,207	$ 482

Shareholders' Equity (Preferred

Shareholders' Equity (Preferred and Common Stock) (Details) - $ / shares	May 19, 2017	Jun. 30, 2017	Dec. 31, 2016
Class of Stock [Line Items]
Preferred stock, par value		$ 1	$ 1
Preferred stock, shares authorized		500,000	500,000
Preferred stock, shares issued		0	0
Preferred stock, shares outstanding		0	0
Common stock, par value		$ 1	$ 1
Common stock, shares authorized		3,000,000	3,000,000
Common stock, shares issued		2,522,312	2,517,339
Common stock, shares outstanding		2,522,312	2,517,339
Common Stock
Class of Stock [Line Items]
Stock issued (in shares)	4,973
Class A Common Stock
Class of Stock [Line Items]
Common stock, par value		$ 1	$ 1
Common stock, shares authorized		2,000,000	2,000,000
Common stock, shares issued		0	0
Common stock, shares outstanding		0	0

Accumulated Other Comprehensi65

Accumulated Other Comprehensive Income (Changes in AOCI) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2017	Jun. 30, 2016	Jun. 30, 2017	Jun. 30, 2016	Dec. 31, 2016
Accumulated Other Comprehensive Income (Loss) [Roll Forward]
Beginning balance			$ 1,007
Other comprehensive income, net of tax	$ 542	$ 1,151	956	$ 2,207	$ 482
Ending balance	1,963	2,732	1,963	2,732	1,007
Gains and Losses on Cash Flow Hedges
Accumulated Other Comprehensive Income (Loss) [Roll Forward]
Beginning balance			(679)	(935)	(935)
Other comprehensive gain (loss) before reclassifications			110	(81)
Amounts reclassified from accumulated other comprehensive income			0	0
Other comprehensive income, net of tax			110	(81)
Ending balance	(569)	(1,016)	(569)	(1,016)	(679)
Unrealized Gains and Losses on Available-for-Sale Securities
Accumulated Other Comprehensive Income (Loss) [Roll Forward]
Beginning balance			1,686	1,460	1,460
Other comprehensive gain (loss) before reclassifications			1,001	2,460
Amounts reclassified from accumulated other comprehensive income			(155)	(172)
Other comprehensive income, net of tax			846	2,288
Ending balance	$ 2,532	$ 3,748	$ 2,532	$ 3,748	$ 1,686

Accumulated Other Comprehensi66

Accumulated Other Comprehensive Income (Amounts reclassified out of AOCI) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2017	Jun. 30, 2016	Jun. 30, 2017	Jun. 30, 2016	Dec. 31, 2016
Reclassification out of Accumulated Other Comprehensive Income [Line Items]
Net realized investment gains	$ 77	$ 242	$ 237	$ 249
Tax (expense) or benefit	734	(402)	1,133	(762)
Net Income (Loss)	$ (999)	$ 1,296	(1,315)	2,237	$ 3,063
Amounts Reclassified from Accumulated Other Comprehensive Income | Unrealized Gains and Losses on Available-for-Sale Securities
Reclassification out of Accumulated Other Comprehensive Income [Line Items]
Net realized investment gains			235	260
Total before tax			235	260
Tax (expense) or benefit			(80)	(88)
Net Income (Loss)			$ 155	$ 172

Segments (Narrative) (Details)

Segments (Narrative) (Details)	6 Months Ended
	Jun. 30, 2017Segments
Segment Reporting [Abstract]
Number of operating segments	1

Segments (Schedule of Segment R

Segments (Schedule of Segment Reporting Information, by Segment) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2017	Jun. 30, 2016	Jun. 30, 2017	Jun. 30, 2016	Dec. 31, 2016
Segment Reporting Information [Line Items]
Assets	$ 149,602		$ 149,602		$ 148,579
Net premiums earned	15,331	$ 15,227	30,371	$ 30,392
Net investment income	930	1,029	1,856	2,020
Net realized investment gains	77	242	237	249
Other income	145	150	297	304
Total Revenues	16,483	16,648	32,761	32,965
Policyholder benefits paid	12,581	8,862	23,727	17,909
Amortization of deferred policy acquisition costs	819	906	1,764	1,693
Commissions	1,758	2,117	3,851	4,225
General and administrative expenses	2,215	2,158	4,012	4,287
Taxes, licenses and fees	517	574	1,206	1,174
Interest expense	326	333	649	678
Total Benefits, Losses and Expenses	18,216	14,950	35,209	29,966
Income (Loss) Before Income Taxes	(1,733)	1,698	(2,448)	2,999
P&C Insurance Operations
Segment Reporting Information [Line Items]
Assets	82,703		82,703		82,647
Net premiums earned	13,749	13,646	27,238	27,247
Net investment income	386	455	778	908
Net realized investment gains	60	185	60	185
Other income	145	150	295	303
Total Revenues	14,340	14,436	28,371	28,643
Policyholder benefits paid	11,274	7,577	21,192	15,439
Amortization of deferred policy acquisition costs	695	695	1,389	1,391
Commissions	1,689	2,020	3,713	4,036
General and administrative expenses	1,602	1,704	2,877	3,125
Taxes, licenses and fees	475	529	1,067	1,064
Interest expense	0	0	0	0
Total Benefits, Losses and Expenses	15,735	12,525	30,238	25,055
Income (Loss) Before Income Taxes	(1,395)	1,911	(1,867)	3,588
Life Insurance Operations
Segment Reporting Information [Line Items]
Assets	59,955		59,955		58,689
Net premiums earned	1,582	1,581	3,133	3,145
Net investment income	527	559	1,046	1,080
Net realized investment gains	17	57	177	64
Other income	0	0	2	1
Total Revenues	2,126	2,197	4,358	4,290
Policyholder benefits paid	1,307	1,285	2,535	2,470
Amortization of deferred policy acquisition costs	124	211	375	302
Commissions	69	97	138	189
General and administrative expenses	339	310	618	815
Taxes, licenses and fees	42	45	139	110
Interest expense	20	20	39	38
Total Benefits, Losses and Expenses	1,901	1,968	3,844	3,924
Income (Loss) Before Income Taxes	225	229	514	366
Non-Insurance Operations
Segment Reporting Information [Line Items]
Assets	6,944		6,944		$ 7,243
Net premiums earned	0	0	0	0
Net investment income	17	15	32	32
Net realized investment gains	0	0	0	0
Other income	0	0	0	0
Total Revenues	17	15	32	32
Policyholder benefits paid	0	0	0	0
Amortization of deferred policy acquisition costs	0	0	0	0
Commissions	0	0	0	0
General and administrative expenses	274	144	517	347
Taxes, licenses and fees	0	0	0	0
Interest expense	306	313	610	640
Total Benefits, Losses and Expenses	580	457	1,127	987
Income (Loss) Before Income Taxes	$ (563)	$ (442)	$ (1,095)	$ (955)

Segments (Schedule of Gross and

Segments (Schedule of Gross and Net Premiums Written) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2017	Jun. 30, 2016	Jun. 30, 2017	Jun. 30, 2016
Segment Reporting Information [Line Items]
Gross premiums written	$ 18,538	$ 18,493	$ 35,707	$ 35,457
Reinsurance premium ceded	(1,721)	(1,720)	(2,852)	(2,747)
Net premiums written	16,817	16,773	32,855	32,710
Life Insurance Operations
Segment Reporting Information [Line Items]
Gross premiums written	1,499	1,533	3,067	3,070
Reinsurance premium ceded	(14)	(23)	(43)	(48)
Net premiums written	1,485	1,510	3,024	3,022
Life Insurance Operations | Traditional life insurance
Segment Reporting Information [Line Items]
Gross premiums written	1,093	1,124	2,238	2,243
Life Insurance Operations | Accident and health insurance
Segment Reporting Information [Line Items]
Gross premiums written	406	409	829	827
P&C Insurance Operations
Segment Reporting Information [Line Items]
Gross premiums written	17,039	16,960	32,640	32,387
Reinsurance premium ceded	(1,707)	(1,697)	(2,809)	(2,699)
Net premiums written	15,332	15,263	29,831	29,688
P&C Insurance Operations | Dwelling fire & extended coverage
Segment Reporting Information [Line Items]
Gross premiums written	10,040	9,716	19,471	18,908
P&C Insurance Operations | Homeowners (Including mobile homeowners)
Segment Reporting Information [Line Items]
Gross premiums written	6,409	6,674	12,036	12,386
P&C Insurance Operations | Other liability
Segment Reporting Information [Line Items]
Gross premiums written	$ 590	$ 570	$ 1,133	$ 1,093

Segments (Schedule of Gross a70

Segments (Schedule of Gross and Net Premiums Earned) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2017	Jun. 30, 2016	Jun. 30, 2017	Jun. 30, 2016
Segment Reporting Information [Line Items]
Gross premiums earned	$ 16,899	$ 16,795	$ 33,528	$ 33,445
Reinsurance premium ceded	(1,568)	(1,568)	(3,157)	(3,053)
Net premiums earned	15,331	15,227	30,371	30,392
Life Insurance Operations
Segment Reporting Information [Line Items]
Gross premiums earned	1,596	1,604	3,176	3,193
Reinsurance premium ceded	(14)	(23)	(43)	(48)
Net premiums earned	1,582	1,581	3,133	3,145
Life Insurance Operations | Traditional life insurance
Segment Reporting Information [Line Items]
Gross premiums earned	1,188	1,194	2,346	2,367
Life Insurance Operations | Accident and health insurance
Segment Reporting Information [Line Items]
Gross premiums earned	408	410	830	826
P&C Insurance Operations
Segment Reporting Information [Line Items]
Gross premiums earned	15,303	15,191	30,352	30,252
Reinsurance premium ceded	(1,554)	(1,545)	(3,114)	(3,005)
Net premiums earned	13,749	13,646	27,238	27,247
P&C Insurance Operations | Dwelling fire & extended coverage
Segment Reporting Information [Line Items]
Gross premiums earned	9,032	8,807	17,848	17,469
P&C Insurance Operations | Homeowners (Including mobile homeowners)
Segment Reporting Information [Line Items]
Gross premiums earned	5,744	5,881	11,464	11,787
P&C Insurance Operations | Other liability
Segment Reporting Information [Line Items]
Gross premiums earned	$ 527	$ 503	$ 1,040	$ 996

Supplemental Cash Flow Inform71

Supplemental Cash Flow Information (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2017	Jun. 30, 2016
Supplemental Cash Flow Elements [Abstract]
Interest paid	$ 546	$ 561
Income taxes paid	0	$ 650
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Increase in equity	76
Common Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Increase in equity	5
Common Stock | Directors
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock issued	5
Additional Paid-in Capital
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Increase in equity	71
Additional Paid-in Capital | Directors
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Increase in equity	$ 71