THE LIBRARY OF THE
UNIVERSITY OF
NORTH CAROLINA
THE COLLECTION OF
NORTH CAROLINIANA
C328.h
N87
1903
Vol.2
c.2
UNIVERSITY OF N.C. AT CHAPEL HILL
00034046112
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PUBLIC DOCUMENTS
OF THE
State of North Carolina
SESSION 1903
VOL. II
RALEIGH :
E. M. Uzzell & Co., State Printers and Binders.
1903.
INDEX TO VOLUME II.
Doc. No.
10. Annual Reporl of the Insurance Commissioner, 1901.
10. Annual Report of the Insurance Commissioner, 1902.
11. Biennial Report of the Institution for the Deaf and Dumb and the Blind
at Raleigh.
12. Biennial Report of the State Hospital at Raleigh.
13. Biennial Report of the State Hospital at Morganton.
14. Biennial Report of the State Hospital at Goldsboro.
15. Biennial Report of the State's Prison.
17. Biennial Report of the State Librarian.
is. Biennial Report of the Agricultural and Mechanical College.
19. Biennial Reporl of the Board of Health.
20. Biennial Reporl of the Institution for the Deaf and Dumb at Morganton.
22. Biennial Report of the Highway Commission.
23. Biennial Reporl of the Agricultural and Mechanical College (Colored).
24. Biennial Report of the Commissioner of Agriculture.
25. Memorial to the Legislature by the Board of Agriculture.
2(i. Biennial Report of the President, Treasurer and Bursar of the State
University.
27. Biennial Report of the Oyster Commissioner.
28. Biennial Report of the Board of Public Charities.
29. Report of the Committee to Examine the Books of the State Treasurer
and Auditor.
ANNUAL REPORT
OF THE
INSURANCE COMMISSIONER
STATE OE NORTH CAROLINA.
FOR THE YEAR ENDING APRIL 1, 1901.
JAMES R. YOUNG, Insurance Commissioner.
% TRUDETffi jg" j COUNCI L^
RALEIGH:
\\. M. Uzzell, State Printer and Binder.
1901.
TABLE OF CONTENTS,
PAGE.
Commissioner's Report and Comments E — N
Statistical Tables—
Fire and Fire and Marine Companies I — XIX
Life Companies XI — XXXI
Fraternal Orders XXXIII— XXXIX
Fidelity and Casualty Companies XLII — LI
North Carolina Business for 1900 LII— LIII
Detailed Statements—
Life Companies 5 — 79
Fire and Fire and Marine Companies 83 — 313
Fidelity and Casualty Companies 317 — 352
Fraternal Orders 355—391
Index of Companies' Detailed Statements 393 — 396
(see end of volume for index).
INSURANCE COMMISSIONER'S REPORT.
State of North Carolina,
Insurance Department,
Raleigh, April 1, 1901.
To His Excellency, Charles B. Aycock,
Governor of North Carolina.
Dear Sir : — In obedience to the statute of North Carolina, I have
the honor to submit to Your Excellency the Annual Report of the In-
surance Department for the year ending April 1, 1901. As directed
in the law, I have included herein the acts of the Commissioner and
a statement of the condition of the insurance companies and other
corporations reporting to the Department, as shown by the sworn
statements of their officers, for the year ending December 31, 1900.
THE DEPARTMENT.
The Insurance Department was established by the General As-
sembly at its session in 1899, and has been in active operation since
the eighth day of March, 1899, when the present Commissioner
qualified as provided by law and entered upon the discharge of the
duties of the office. The act forming this Department as a separate
one in the State Government, placed under its supervision all of the
insurance companies doing business in the State, and provided for
the manner of licensing domestic companies as well as the admittance
and licensing of foreign companies. The Commissioner is charged
with the execution of the laws governing all kinds of insurance com-
panies, associations and orders, including Life, Fire, Accident,
Surety, Health, Burglary, Title and Guarantee Companies or Asso-
ciations. The Commissioner is required to issue all licenses to com-
panies and their agents and to collect all licenses, taxes and fees im-
posed upon them by the State.
Itsurance Commissioner's Report.
COMPANIES LICENSED IN 1900.
The following companies were admitted to do business in the State
under the general insurance Law, where they had not been already
admitted, and were licensed for the year ending April 1, 1901 :
LIFE COMPANIES.
Aetna Life,
American Union,
Bankers Life Insurance Co.,
Carolina Benevolent Association,
Equitable Life Assurance Society,
Equity Life Association,
Fidelity Mutual,
Hartford Life,
Life of Virginia,
Maryland,
Michigan Mutual,
Mutual Life of Kentucky,
Mutual Life of New York,
New York Life,
Washington
Pacific Mutual,
Penn Mutual,
Phcenix Mutual,
Provident Savings,
Royal Union Mutual Life,
Security Mutual Life,
Security Trust and Life,
South Atlantic Life,
State Mutual,
State Life of Indiana,
Sun Life of Canada,
Travelers,
Union Central,
Union Mutual Life of Maine,
Life. New York,
FIRE, AND FIRE AND MARINE COMPANIES.
Aetna,
American of New York,
American of Pennsylvania,
Assurance Company of America,
Atlanta Home,
Bavarian Mortgage and Exchange Bank,
British America,
British American,
Caledonian,
Carolina,
Citizens of New York,
Cologne Reinsurance,
Commercial Union,
Continental,
Delaware,
Eastern,
Equitable of South Carolina,
Equitable Fire and Marine,
Farmers Mutual Fire,
Fire Association of Philadelphia,
Firemens of Baltimore,
Fireman's Fund,
Georgia Home,
German Alliance,
German- American,
Globe and Rutgers Fire Insurance Co.,
Greenwich,
Hamburg-Bremen,
Hanover,
Hartford Fire,
Helvetia Swiss Fire,
Home,
Home Protection,
Home Mutual Fire Protection Assoc'n,
Imperial,
Indemnity Fire,
Insurance Company of North America,
Lancashire,
Lafayette Fire,
Law Union and Crown,
Lion,
Liverpool and London and Globe,
London Assurance,
London and Lancashire,
Insurance Commissioner's Report.
g
Magdeburg Fire,
Manchester,
Manhattan,
Moscow Fire,
Munich Reinsurance,
National Fire,
National-Standard,
New Hampshire Fire,
Niagara,
North British and Mercantile,
North Carolina Home,
Northern Assurance,
Norwich Union,
Orient,
Pacific Fire,
Palatine of London,
Pamlico Insurance and Banking Co.,
Pennsylvania,
Phenix of Brooklyn,
Phoenix of Hartford,
Piedmont,
Prussian National,
Queen,
Wilmington
Rochester German,
Royal,
Royal Exchange Assurance,
Saint Paul Fire and Marine,
Saint Petersburg Fire,
Salamandra,
Scottish Union and National,
Skandia,
Southern Stock Mutual,
Southern,
Springfield Fire and Marine,
Sun Insurance Office,
Sun,
Svea Fire,
Teutonia,
Traders of Chicago,
Underwriters of Greensboro,
United States Fire,
Union Assurance Society,
Virginia Fire and Marine,
Virginia State,
Westchester,
Western,
Underwriters.
ACCIDENT AND SURETY COMPANIES.
American Bonding and Trust Company, Hartford Steam Boiler,
American Surety of New York,
City Trust, Safe Deposit and Surety Co.,
Employers Liability,
Fidelity and Casualty,
Fidelity and Deposit of Maryland,
Maryland Casualty,
National Surety Company,
New Y'ork Plate Glass Insurance Co.,
Preferred Accident,
Standard Life and Accident,
United States Fidelity and Guaranty.
FRATERNAL ORDERS.
Ancient Order Amoreans,
Anvil,
American Guild,
Bankers Union of the World,
Order of Columbus,
Endowment Rank Knights of Pythias,
Fraternities Accident Order,
Family Protection Union,
Improved Order Hepta sophs,
Knights of Honor,
Knights and Ladies of Honor,
Knights of Harmony,
Knights of Kadosh,
Knights of Mystic Chain,
Knights Templar and Masons,
Masonic Mutual Relief,
Mutual Benefit Fraternity,
Supreme Ruling Mystic Circle,
National Union,
Protected Knights of America,
Sovereign Camp Woodmen of the World,
Royal Arcanum,
Royal Benefit Society,
Royal Circle,
United States Benevolent Society,
Union Indemnity League,
h Insurance Commissioner's Report.
THE WORK OF THE YEAR.
The work of the Department for the past year has been fairly suc-
cessful in carrying out the provisions of the law and organizing and
systematizing the work. This has not been done as successfully as
was desired because of the many and varied duties required of the
Commissioner and the lack of clerical force in the Department, caused
by the small allowance (only $1,000 per annum) for the employ-
ment of clerical aid. Much was accomplished and there has been
a decided improvement in all the work of the Department, and such
an improvement as augurs well for the future of this, one of the
most important departments of our State Government.
RECOMMENDATIONS OF INSURANCE COMMISSIONER TO THE
LEGISLATURE OF 1900.
As required by law, I had the honor on the 28th day of Jan-
uary, 1901, to transmit to Your Excellency, to be transmitted to the
General Assembly then in session at Raleigh, the following recom-
mendations, which you promptly sent in to the bodies, accompanied
by a special message :
State of North Carolina,
Insurance Department,
Raleigh, January 28, 1901.
To His Excellency } Charles B. Aycock,
Governor of North Carolina.
Section seven, chapter 54, Laws of 1899, says : "It shall be the duty
of the Insurance Commissioner from time to time to report to the
General Assembly any change which in his opinion should be made
laws relating to insurance and other subjects appertaining to this
his Department.
In obedience to this law, I desire to submit to you, to be trans-
mitted to the General Assembly with my last report, the following
statements as to our Insurance Law and suggestions as to the changes,
which in the opinion of the Commissioner, should be made in the
laws relating to insurance and other subjects appertaining to this
Department :
Insurance Commissioner's Report. i
THE LAWS OF 1899.
The general Insurance Law passed by the General Assembly in
1899 is by far the best and most comprehensive law that has ever
been placed upon our statute books for the supervision of insurance
companies and the collection of revenue from them. The law has
worked nicely, resulting in increased revenue to the State, lower rates
to the assured and a better feeling in this department of business,
not only with the citizens of the State, but among the officers and
agents of the companies doing business here. For years many com-
panies have done business in the State in defiance of the law, with-
out paying the State any revenue, and very frequently without pay-
ing their honest claims. The law was especially drawn to stop the
operation in the State of these "under-ground" and "wild cat" in-
surance companies. This has been accomplished to a large extent,
but there are still some companies doing business in the State in de-
fiance of the law, and without paying the State any taxes.
RECOMMENDATIONS.
1. The law should be amended in many places to correct clerical
errors, remove doubtful or uncertain meanings, and to perfect the
machinery necessary for the Department.
CLERICAL HELP.
2. The Department is now allowed $1,000 for clerical help. This
amount should be increased to $1,500 to enable the Department to
employ a stenographer. A stenographer is necessary, and has been
employed during the past two years, part of salary being taken from
salary of clerk and the balance paid by the Commissioner person-
ally.
UXAUTHOR J ZED COMPANIES.
3. Because of the fact that unauthorized companies are still
operating in the State, the law should be amended to enable the De-
partment more effectually to catch up with and punish them. Every
company should be required to either obey our laws and pay their
proper proportion of taxes or stop business in our State.
J Insurance Commissioner's Report.
BOND INVESTMENT COMPANIES.
4. That an act be passed amending' the Insurance Law so as to
require all Bond, Investment, Diamond, Guarantee, Registry, De-
benture, Title, Title Guarantee and such companies and associations
to be licensed by the Insurance Department before doing business in
the State, and pay licenses and taxes therefor.
FORMATION OF LIFE INSURANCE COMPANIES.
5. The law should be amended so as to provide the manner of form-
ing and organizing Life Insurance Companies through the Insurance
Department as is now provided for Fire Companies. As the law
now stands no Life Insurance Company can be organized in the State
except during a meeting of the General Assembly.
THE "CRAIG" LAW.
6. That the general Insurance Law be amended so as to give the
Insurance Commissioner power to revoke the licenses of all com-
panies in his Department who remove or file applications to remove
cases from the State Courts to the Federal Courts, and then to ex-
cept insurance companies from the provisions of the "'Craig" act.
The law as above suggested has been and is working well and satis-
factorily in many States, and accomplishes in them, so far as in-
surance companies are concerned, what is desired to be accomplished
by the "Craig" act here.
FRATERNAL ORDERS.
7. The State law governing Fraternal Orders should be so amended
that they can be held to as strict account as other Life Companies
and Associations by the Insurance Department. Laws of this char-
acter are desired by the best of the Orders, and are being passed by
many of the States. They are necessary in Xorth Carolina to pre-
vent our State from becoming the "dumping-ground" of the worthless
and irresponsible ones.
NEW COMPANIES.
8. In chartering new companies in the State and otherwise fram-
ing our laws, no company, association, or set of companies or associa-
tions, should be excepted from our general laws and the supervision
Insurance Commissioner's Report. k
of the Department, and it is desirable that all should pay at least so
much taxes and licenses as will impress upon them the fact that they
are amenable to the law and the Department.
SUPREME COURT REPORTS.
9. The Department should be furnished with copies of our Su-
preme Court Reports and put upon the same basis as other Depart-
ments as to the supply of these and other books of the State and in-
cidental expenses.
LICENSES AND TAXES.
10. The laws fixing the licenses and taxes should be so amended
as to perfect the machinery of the Department and collect of insur-
ance companies doing business in the State their proper proportion of
revenue necessary for the increased expenditures of the State.
ACT FOR INVESTIGATION OF FIRES.
11. That chapter 5S, Laws 1899, be so amended as to perfect its
machinery and to apply its provisions to fires occurring in the
country. A strict construction would now confine these investiga-
tions to cities and towns. The tax collected is ample for this pur-
pose.
GENERAL REMARKS.
I have not entered into any details as to how these suggestions, if
approved by the General Assembly, shall be embodied in our law.
The distinguished members of that body can perform this duty bet-
ter than I can, but the Commissioner stands ready to furnish such
aid and information as may be desired at any time of his Depart-
ment upon these or any other subjects appertaining thereto. Wise and
conservative legislation, such as I am confident will be enacted by our
present General Assembly, will do much to build up our home in-
stitutions ; encourage foreign companies operating in our State,
satisfy the insuring public by bringing about a feeling of safety
and reduction of rates, while the State can exercise a better super-
vision and collect more revenue.
I am, my dear sir, with great respect,
Your obedient servant,
JAMES R. YOUNG,
Insurance Commissioner.
Insurance Commissioner's Report.
NEW LAWS.
The General Assembly promptly enacted legislation carrying out
all of the suggestions made in the recommendations of the Commis-
sioner except the increase of the amount allowed for clerical help and
the provision for the formation of life companies. Because of the
failure to make any provision for the formation and organization of
life insurance companies, associations and orders, these can only be
formed and chartered by the Legislature, when they meet once in
two years. The increase of the allowance for clerical help must
eventually be allowed, unless it is desired to impair the usefulness
of the Department. A clerk who is a first-class book-keeper and
accountant cannot be hired out of this fund and then have enough
left to hire a first-class stenographer. The Commissioner, with all
the time that he can devote to the clerical work himself, cannot have
the work of the Department promptly and effectively done with less
than two good assistants.
The Legislature also passed laws requiring the Insurance Com-
missioner to examine all insurance policies on State property and
to approve of them and the bills for same before any officer can pay
them.
The Legislature also amended the general Insurance Law so that
all Bond, Investment, Debenture, Diamond and all similar companies
are now placed under the supervision of this Department, and they
and each of their agents are required to be licensed in the same
way as other companies under the Department.
INVESTIGATION OF FIRES.
ft
The law for the investigation of all fires occurring within the State
(chapter 58, Laws 1899, as amended by chapter 387, Laws 1901) is
among the wisest provisions of our Insurance Law, and has already
shown its value in the decrease of incendiary fires in the State and the
consequent reduction of fire premiums. The act requires that every
fire occurring in an incorporated city or town shall be reported to
the Insurance Commissioner by the Chief of the Lire Department or
Chief of Police, and that all fires occurring outside of an incorporated
city or town shall be so reported by the Sheriff of the county. The
Insurance Commissioner's Repokt. m
Insurance Commissioner is required, with these officers, to investi-
gate fully the origin and circumstances of all fires, and where the
circumstances are suspicious to hold a special examination, and where
the evidence is sufficient, cause the arrest of any person charged with
arson and prosecute the same.
Provision is also made for the examination of all premises and the
removal therefrom of all combustible material or inflammable con-
ditions, and a penalty is provided against all officers neglecting or re-
fusing to comply with the requirements of this law.
The costs of these investigations are provided for by a tax upon the
gross receipts of all fire insurance companies doing business in the
State. The companies express themselves as pleased with this law
and its enforcement. The Commissioner has received on this fund
during the past year $1,284.43 and paid out $297.62, as appears of
record on the books of the Department.
STATISTICAL TABLES.
The statistical tables accompanying this report (pages I to LII)
have been prepared with considerable care and are worthy of special
examination. The information contained in them is valuable to citi-
zens of this State, as well as to insurance men. They show what
each company, as well as class of companies, has done during the pre-
ceding vear.
DETAILED STATEMENT BY COMPANIES.
The companies under this Department are required to file with
the Department detailed statements of their business, assets and con-
dition. These statements are given with this report, and upon ex-
amination will show in detail the character of the business and in-
vestments of each company, as well as their general financial condi-
tion.
FINANCIAL.
Under the law the Insurance Commissioner is required to collect
from insurance and other companies, associations and orders, under
his Department all licenses, fees and taxes imposed upon them in this
State. During the past year the Commissioner has collected and
paid monthly to the Hon. State Treasurer:
n Insurance Commissioner's Report.
For taxes on gross receipts $ 60,599 75
For licenses for companies 24,741 67
For fees 2,731 00
For licenses for sub-agents 3,000 50
Total $ 91,072 92
For publication of annual statements in news-
papers $1,629 00
For investigation of fires 1,284 43
2,913 43
$ 93,986 35
While the collection of the licenses, taxes and fees involves much
work and a heavy responsibility, especially as it is seen that the
amount is gradually increasing, yet this is not by any means the hard-
est or most profitable work done by the Department. The passing
upon the application of companies for admittance to do business in
the State, the licensing of them and each of their agents in the State,
supervising their work, the investigation of incendiary fires and all
violations of the insurance laws of the State, as well as the giving of
special information about companies and their contracts, as it is called
for by the citizens of the State, furnishes work that will take the full
time of the Commissioner and at least three good clerks, and when
properly done will be of incalculable benefit to our State and her citi-
zens. The work is gradually increasing each year and every effort is
being made to have it well done.
Respectfully submitted,
JAMES R. YOUNG,
Insurance Commissioner.
STATISTICAL TABLES
RELATING TO FIRE AND FIRE AND MARINE
INSURANCE COMPANIES.
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Fire Association of Philadelphia .
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(xvii)
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6,338
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1,862,240.00
822.911.00
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169,195.00
301,868.00
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545,704.00
1,167,897.00
474,033.00
660,823.00
1,289,150.00
1,256,577.00
2,203,533.00
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453,497.00
481,570.00
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Bavarian Mortgage and Exchange Rank,
British America J
Cologne Re-insurance
Commercial Union ___.__.__..
Hamburg-Bremen. .
Helvetia Swiss
Impeiial .
Lancashire __ - __ _ . . .
Law Union and Crown ____ __.
Lion __ _ .
Liverpool and London and tilobe..
London Assurance. _. _
London and Lancashire _ __________
Magdeburg Fire _
Manchester _________ _
Moscow Fire _ _
Munich Re-insurance ____
North British and Mercantile
Northern Assurance. ______
Norwich Union. _ _ _
Palatine _ __ _ __
Prussian .National . _ __ . ___.
Royal _
Royal Exchange _ _ _
St. Petersburg Fire.
Salamandra ... ___ __ .. _ _
Scottish Union and National.
Skandia _ . __ _
Sun Insurance Ollice __ _
Svea Fire _ __
Union Assurance Society _ _ _
Western _ __
CQ
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(xix)
STATISTICAL TABLES
RELATING TO LIFE INSURANCE
COMPANIES.
TABLE No.
Showing the Character of the ASSETS of Life Insurance
ending December
Name of Company.
JEtna Life
American Union
Bankers Life Insurance Co.
Carolina Benevolent Association
Equitable Life Assurance Society.-.
Equity Life Association
Fidelity Mutual
Hartford Life
Life of Virginia
Maryland
Michigan Mutual
Mutual Life of Kentucky
Mutual Life of New York
New York Life
Pacific Mutual
Penn Mutual
Phoenix Mutual
Provident Savings
Security Mutual Life
Security Trust and Life
South Atlantic Life
State Mutual
State Life of Indiana
Sun Life of Canada
Travelers
Union Central
Union Mutual Life of Maine
Washington Life
Real Estate.
$ 469,086.71
Bond and
Mortgage
Loans.
38,188,725.12
5,388.32
1,296,066.08
272,005.00
71,7511.(11)
209,102.50
425,708.77
437,781.91
23,575,S40.73
16,925,900.00
922,985.14
2,611,747.49
1,017, 025. Ill
467,157.61
9,966.45
952,500.00
1,722,000.00
1,072,072.66
2,071,534.51
460,612.09
1,184,741.98
5,712,250.00
Totals 105,082,548.26
824,107,274.86
73,000.00
Collate if
Loans.
$ 918,308.67
45,411,
14,
229
298 ',
513,
235,
5,042,
1,120,
77,2: : >.. r ,,
34,798
724,
15,882,
6,780,
423,
292
iioo'
662. 86
124.39
450.35
320.00
885.93
640.00
390. 09
965.15
867.38
942.34
39.79
57! 1. 23
531.98
200.00
975.00
800. 00
25,371,587.00
23,986.57
700.00
47,913.29
21,500,00
33,000.00
74,573.15
12,170,000.00
2,894,000.00
4,402,748.03
1,000.00
20,705.13
19,858.72
2,887,185.79
500,072.50
3,627,855.72
5,950,339.28
20,538,620.16
1,272,791.43
7,688,200.00
116,305.00
520,460.00
4,264.22
131,190.00
1,182,450.00
633,671.94
260,751,514.23 48,588,221.72
Premium
Notes and
Policy
Claims.
S 2,366,155.15
14,313.20
7,372,645.27
9,456.24
304,798.39
104,104.93
84,380.50
99, 854. SI
694,701.96
342,102.34
8,629,769.43
16,516,133.23
208, 929. 5S
4,410,335.34
837,873.57
975,381.07
74,220.03
61,572.56
2,255.70
896,007.65
3,972.28
841,670.97
1,586,652.20
3,512,934.47
198,153.39
1,142,154.60
41,290,528.86
(xxii)
VII-ASSETS.
Companies (licensed to do business in this State) for year
31, 1900.
Stocks and
Bonds Owned.
Cash in Office
and Banks.
Sff ] ' Deferred aQd
and Unpaid
Accrued. Premiums.
I
All Other.
Total.
|$ 19,487,133.91
$ 7,323,806.89
8 768,293.60 : | 606,581.65
$ 45,444.57
$ 56,092,086.01
491,525.00
71,052.30
705,111.19
160,792,803.00
(',2,1100. Oil
918,855.411
487,877.93
85,848.49
1,433,441.18
165,500.00
889,258.25
183,368,624.91
170,354,973.41
1,736,526.90
14,122,745.nii
3,851,445.24
17,718,576.56
7,784.32
165,948.72
423,354.28
94,944.15
53,775.85
223,620.45
49,672.90
13,299,316.32
14,070,177.02
128,315.69
777,774.63
422,549.55
468,528.18
157,478.43
176,149.26
25,024.23
473,560.86
51,346.86
254,515.10
1,782,773.13
426,268.34
48,353.13
493,621.99
2,700,430.54 6,517,450.00
1,053.12 1 77,897.12
20.005.49 ' 409,213.95
16.120.50 ! 62,763.59
17,464.31 ' 87,908.00
12,727.81 9,295.21
120,423.48 85,540.37
6S,236.19 22,554.19
2,813,261.15 I 4,660,472.59
1,680,405.23 4.955.981.00
304,073,880.35
184,588.18
3,395,459.06
9,125,568.37
1,013,030.12
2,094,027.97
6,791,578.52
3,018,714.23
325,753,152.51
262,196,512.23
6,884.67
27,131.11
1,460,322.14
8,935.45
17,690.61
693.40
13,701.15
39,159.80
403,623.76
142,304.72
63,530.71
10,034.25
8,288.44
89.41
207,074.34
6,010.88
176,651.32
275,551.52
437,726.90
68,234.55
135,457.84
162,458.15
1,028,046.85
230,177.68
576,093.00
116,312.84
67,318.56
5,277.67
404,703.46
93,305.87
357,682.32
642,626.63
339,832.64
247,567.02
255,794.94
136,156.96
211,382.46
4,059,372.01
43,850,982.79
13,283,007.93
837,490.53
324,540.50
65,137.31
3,897,223.54
1,005,386.22
90,025.84
54,100.00
10,082,637.00
21,478.85
2,409.91
1,478,133.51
205,461.92
17,793,029.10
1, .Oil
3,986,613.08
17,436,404.25
177,800.00
4,792,942.78
683,013.08
11,397.86
32,200.78
671,370.47
10,480,451.95
30,92S,331.52
26,101,914.42
8,458,240.80
16,144,433.47
208,119.82
11,784.58
33,941.02
597,315,125.68
59,188,189.14
10,193,458.97
22,077,248.78
, 2,314,812.75
1,146, S01, 648. 39
( x x i i i )
TABLE No. VIII-
Showing the Character of the LIABILITIES of the Life Insurance
ending December
Name of Company.
iEtna Life
American Union
Bankers Life Insurance Co
Carolina Benevolent Association -.
Equitable Life Assurance Society .
Equity Life Association
Fidelity Mutual
Hartford Life
Life of Virginia
Maryland
Michigan Mutual
Mutual Life of Kentucky
Mutual Life of New York
New York Life
Pacific Mutual
Penn Mutual
Phoenix Mutual
Provident Savings
Security Mutual Life
Security Trust and Life
South Atlantic Life
State Mutual
State Life of Indiana
Sun Life of Canada
Travelers
Union Central
Union Mutual Life
Washington Life
Totafs
Net Reserve.
|47, 504,083.00
397, 321 76o
235,
2
1,
6,
2,
200,
213,
3,
37,
12,
3,
15,
9,
22,
22,
15,
343,493.
71,109.
509,819.
354,377.
704,732.
754,151.
351,160.
805,005.
502,260,
032,202,
503,431.
034,484.
512,039.
236,500.
187,053.
750., 417,
4,045.
866,996.
390,693.
808,543.
860,661.
345,481.
766, 170.
255,021.
928,702,974.06
Present Value
of Matured
Endowment
Policies.
$ 34,598.00
498,022.00
1,647.33
23,256.62
0,758.41
Losses and Claims.
Adjusted and
Unadjusted.
$ 244,854.71
3,000.00
2,066,425.47
8,000.00
163,935.00
422,050.00
6,355.00
20,870.26
343,259.00
27,457.00 j
9,134.10
47,193:34
1,352.52
8,489.02
1,045,536.00
26,783.00
24,952.00
2,098,438.34
16,000.00
1,497,349.09
1,996,911.18
30,106.50
182,406.76
34,593.00
113,800.00
39,500.00
64,980.00
43,833.38
10,000.00
96,430.79
883,739.74
70,280.00
98,727.42
126,807.55
8,241,021.85
Resisted.
71,800.14
~~8~6o6~oo
138,800.00
2,000.00
33,000.00
6,000.00
50,811.00
83,750.00
19,000.00
50,500.00
23,000.00
31,600.00
7,000.00
5,000.00
98,031.30
59,948.00
688,246.44
(xxiv)
LIABILITIES.
Companies (licensed to do business in this State) for year
31, 1900.
Unpaid
Dividends.
All Other
Liabilities.
Total as to
Policy-hol-
ders.
Gross
Divisible
Surplus.
Capital
Stock.
Total.
$ 750,340.38
$ 2,360,594.38
8 51,026,876.61
$ 3,315,209.40
$ 1,750,000.00
$ 56,092,086.01
39,289.01
447,610.01
257,501.18
100,000.00
705,111.19
346 195.01
67.958.00
238,460,893.48
82,816.45
2,773,137.78
2,245,381.66
778,298.72
1,781,455.81
6,378,209.63
2,827,205.00
326,313,152.51
216,207,261.06
3,733,169.16
40,636,491.07
12,715,223.00
3,417,735.71
359,719.76
895,149.66
6,194.16
15,934,181.90
409,594.82
9,951,162.73
26,385,204.71
22,615,564.29
7,895,997.76
15,389,549.03
65,612,986.87
304,073,880.35
88,816.45
6,000.00
500,000"00~
100,000.00
100,000.00
250,000.00
100,000.00
194.51
2,255.65
42,932.65
1,460,099.01
67,211.72
1,725.49
19,731.74
6,200.00
55,172,543.76
909,986.52
180,631.07
3,010,947.95
141,134.00
7,681.61
62,973.42
42,152.66
2,149.16
15,000.00
3,143.79
17,040.36
1,497,235.93
101,956.78
2,075.83
7,720.48
622,321.28
380,186.71
134,731.40
212,572.16
163,368.89
91,509.23
2,440,000.00
45,989,251,17
126,202.85
3,214,491.72
567,784.93
379,487.83
645,666.46
82,983.85
199,267.76
1,859,447.20
261,775.65
424,289.22
3,543,126.81
3,386,350.13
586,040.24
791,521.71
3,395,459.06
3,125,568.37
1,013,030.12
4,709.06
559.45
2,094,027.97
6,791,578.52
3,018,714.23
90,182.66
184,411.36
525,753,152.51
262,196,512.23
4,059,372.01
200,000.00
65,393.36
43,850,982.79
13,283,007.93
3,897,223.54
100,000.00
1,005,386.22
500,000.00
1,478,133.51
205,461.92
17,793,629.10
757.56
671,370.47
20,659.45
105,000.00
1,000,000.00
100,000.00
10,480,451.95
30,928,331.52
26,101,914.42
8,482,038.00
16,181,070.74
11,109.51
4,072.51
125,000.00
1,480,840.47
65,230,115.32
1,006,442,236.48
135,288,074.65
5,036,000.00
1,146,766,311.13
( X X V )
TABLE No. IX-
Showing RECEIPTS of Life Insurance
Name of Company.
*^Etna Life
American Union
Bankers Life Insurance Company.
Carolina Benevolent Association _.
Equitable Life Assurance Society _
Equity Life Association
Fidelity Mutual
Hartford Life
Life of Virginia
Maryland
Michigan Mutual
Mutual Life of Kentucky
Mutual Life of New York
New York Life ,
*Pacific Mutual
Penn Mutual
Phoenix Mutual
Provident Savings
Security Mutual Life
Security Trust and Life
South Atlantic Life
State Mutual
State Life of Indiana
Sun Life of Canada
*Travelers
Union Central
Union Mutual Life
Washington Life
Totals-
Premiums.
8,257,624.59
535,954.46
Interest and
Dividends.
45,319,
48,
2,168,
2,2iio
1,087,
232,
1,178,
554,
47,211,
48,758,
1,374,
8,821,
2,542,
3,421,
777
680,
26,
3,113,
640,
2,347,
6,774,
4,842,
1,575,
2,48S,
138.69
315.90
965.31
459.86
272.H2
211.91
171.57
118.56
171.38
578.13
521.52
538. 65
092.80
058.59
579.37
969.57
221.11
914.14
968.09
571I.H2
400.46
779.69
176.25
817.45
196,849,145.89
2,306,273.74
16,371.65
10,206,
1,
82,
90,
40.
81,
345,
195,
11,728,
3,276,
134,
1,858,
591,
89,
28,
14,
3,
636,
21,
416,
1,229,
1,411,
290,
491,
405.72
193.55
782.29
767.34
749.33
360.26
705.70
312.02
548.26
705.10
812.12
852.81
753.04
706.37
746.27
959.28
887.32
81 15. 14
354.26
177.04
976. S9
001.11
009.69
9S1.34
35,592,197.64
♦Receipts from Accident Department included.
( xxvi)
RECEIPTS.
Companies for year ending December 31, 1900.
Rents.
36,097.33
All Other.
11,050.50
17,789.54
Total Receipts.
Excess of
Receipts over
Disbursements.
10,611,045.16
572,115.65
2,677,966.40
236,970.20
Excess of
Disbursements
over Receipts.
2,049,262.23
833.32
70,317.03
13.519.09
2,088.50
10,129.35
21,323,36
21,101.98
1,062,277.51
6,830,420.82
33,409.3S
193,949.86
52,667.34
25,236.98
608.00
134,772.39
105,690.79
24,233.85
109,040.99
30,552. SI
21,273.58
277,836.12
11,127,542.61
432,324.34
11,097.29
39,459.04
8,057.29
3,486.25
11,8411.114
8,994.98
580,805.16
48,814.74
489,492.71
61,640.18
150,180.83
31,995.45
13,847.45
29,989.66
1,500.00
2,016.64
1,236.61
71.402.82
4,935.25
73,422.49
1,860.83
2,107,240.99
58,007,
50,
2,333,
2,344,
1,139,
327,
1,557,-
779,
60,582,
58,914,
2,032,
10,935,
3,204,
3,567,
S20,
860,
30
3,S57,
664,
2,789,
8,184,
6,289,
1,959,
3,260,
130.98
342.77
161.92
205.33
OCT. 14
187.77
041.57
527.54
802.31
518.79
235.73
981.50
212.81
997.39
781.09
710. 90
108.43
910.07
38.99
226.52
830.16
268.86
882.01
495.74
21,508,004.47
6,534.03
469,688.70
40,
69,
502,
174,
21,136,
23,788,
228,
4,228,
942,
690,
197
75,
068.27
300.00
949. 53
514.114
188.80
155.85
050. 13
258.01
750. 06
9G1.41
442.08
356.73
214,219.05
1,436,379.26
235,386.70
1,253,053.85
2,631 .376.97
2,711,747.65
433,192.42
325,448.33
6,3S7.90
245,676,127.13
86,004,773.89
220,606.95
(xxvii)
TABLE No. X-
Showing DISBURSEMENTS of Life
Name of Company.
*JEtna Life
American Union
Bankers Life Insurance Company.
Carolina Benevolent Association-
Equitable Life Assurance Society-
Equity Life Association
Fidelity Mutual
Hartford Life
Life of Virginia
Maryland
Michigan Mutual
Mutual Life of Kentucky
Mutual Life of New York
New York Life
*Pacific Mutual
Penn Mutual
Phoanix Mutual
Provident Savings
Security Mutual Life
Security Trust and Life
South Atlantic Life
State Mutual
State Life of Indiana
Sun Life of Canada
♦Travelers
Union Central
Union Mutual Life
Washington Life
Claims
Paid.
$ 4,134,839.86
81,924.03
16,
1,
18
15,
2,
1,
907,613.01
14,222.50
934,957.47
652,606.88
379,405.66
139,688.53
438,850.93
226,313.43
874,292.58
530,568.47
330,208.13
805,388,19
989,163.64
312,525.01
333,530.76
274,037.64
Totals .
982,418.40
92,000.00
584,230.80
735,544.89'
484,608.34
747,063.37
495,871.12
Paid
Annuitants.
668,923.98
781.91
1,403,971.83
1,558,451.70
3,785.66
111,317.06
6,825.73
1,644.40
73,910,729.48
38,070.78
17,015.86
16,455.21
1,311.34
27,925.43
3,857,086.89
For Policies
Surrendered,
Etc.
$ 356,004.82
19,384.12
4,907,821.66
3,640.21
65,918.17
3,135,00
74,710.61
16,708.52
134,993.52
133,034.88
3,825,532.60
1,137,019.90
52,632.82
691,181.64
212,432.39
92,226.07
1,387.03
3,618.65
279,358.69
1,739.25
161,594.55
155,701.14
197,414.36
88,077.70
184,400.18
12,800,274.55
♦Disbursements in Accident Department included.
(xxviii)
DISBURSEMENTS.
Companies for year ending December 31, 1900.
Dividends to
Policy-holders.
Dividends to
Stockholders.
Commissions.
Salaries,
Medical and
Employees'
Fees.
All Other.
Total.
8 878,893.59
8 218,750.00
$ 1,364,783.95
S 336,717.36
$ 843,094.52
$ 7,933,084.10
1,988.38
5,500.00 | 110,194.64
51,118.22
65,036.06
335,145.45
3,481,646.65
1,638.45
7,on0.00
5,903,097.11
8,491.22
325,946.18
253,936.09
331,112.66
27,701.42
203,638.69
71,252.74
1,453,206.97
9,373.75
261,036.49
186,340.42
207,300.68
32,528.79
93,566.01
51,722.18
2,600,272.58
2,898,670.66
72,221.03
349,602.59
194,440.61
395,163.21
68,180.99
54,427.69
13,335.38
138,874.76
72,903.44
192,751.07
335,685.17
231,244.43
221.581.22
324,664.78
3,169,823.13
6,436.61
236,222.60
122,927.20
74,744.89
20,917.90
118,160.24
112, 513. 3(5
3,231,814.43
3,586,976.74
581,992.03
735,906.04
209,944.09
387,347.32
85,595.59
180,898.25
14,646.03
234,004.75
51,178.52
148,786.42
694,396.86
655, 162. 36
146,335.99
269,106.37
36,490,126.51
43,808.74
39,392.31
1,863,473.22
2,558,424.38
1,098,998.87
257,887.77
1,054,092.04
604,983.50
59,478.84
19,824.37
13,560.70
39,982.54
10,146.91
280,000.00
12,000.00
6,000.00
25,000.00
2,258,066.90
2,828,153.71
85,788.48
907,050.50
144,380.67
121,199.75
4,040.56
_
7,252,562.67
6,586,521.76
209,707.33
1,108,277.47
404,275.62
587,347.32
140, 604. OS
172,371.94
8,514.92
374,315.47
188,249.19
39,446,613.51
35,126,362.94
1,804,185.60
6 707 723 49
14,ooo.oi;
6,977.60
2,261,462.75
2,877,035.98
633,339.01
785,354.17
36,496.33
2,421,530.81
42S 952 29
412,358.74
22.281.89
59,843.96
15.750.90
150,000.00
10,000.00
~8~750.0(T
335.138.03
1,349,509.28
708,791.22
266,976.44
422,197.16
1,536,172.67
5 548 453 19
273,845.32
54,943.47
202,131.37
3,577,521.24
1,526,689.59
2,935,047.41
12,920,632.06
759,727.00
28,715,516.60
10,853,030.48
15,984,068.50
159,801,965.56
(xxix)
TABLE No. XI-BUSINESS
Showing BUSINESS IN NORTH CAROLINA of Life
Name of Company.
JEtna Life
American Union
Bankers Life Insurance Company
Carolina Benevolent Association __,
Equitable Life Assurance Society.
Equity Life Association
Fidelity Mutual
Hartford Life
Life of Virginia
Maryland
Michigan Mutual
Mutual Life of Kentucky
Mutual Life of New York
New York Life
Pacific Mutual
Penn Mutual
Phoenix Mutual
Provident Savings
Security Mutual Life
Security Trust and Life
South Atlantic Life
State Mutual
State Life of Indiana
Sun Life of Canada
Travelers
Union Central
Union Mutual Life
Washington Life
Policies in Force
at Beginning of
Year.
No.
1,966
213
Amount.
3,234
604
780
573
36,997
195
57
37S
2,639
2,753
48
1,397
1,015
1,027
142
ISO
Totals
339
86
1,587
401
2,251
26
263
59,141
3,100,175.00
807,000.00
6,741,
843,
1,357,
1,427,
4,051,
290,
105,
488,
8,2(15,
6,114,
109
3,156,
1,518,
2,576,
326,
296,
005.00
500.00
306.50
000.00
315.00
725.00
532.43
655.00
315.00
313.00
525.00
800.00
052.0(1
000.00
01111.00
498.00
545,523.00
284,000.00
526,706.30
1,204,489.00
3,167,387.00
77,751.22
357,698.00
47,638,271.45
Policies Issued
During the
Year.
No.
867
"221
803
157
95
130
23,473
91
106
33
590
473
95
650
30S
295
28
98
38
75
194
424
158
495
64
142
30,113
Amount.
$ 1,295,424.00
868,500.00
1,661,
190,
150,
321,
2,391,
135,
141,
52,
98G,
936,
109,
1,056,
438,
624,
78,
142,
54
123
412,
308,
632,
721,
118,
162,
243.00
000.00
782.50
000.00
807.00
900.00
612.85
225.00
147.00
130.00
500.00
850.00
320.00
501.00
022.00
209.00
500.00
703.00
000.00
255.35
2S3.00
411.00
535.00
567.00
14,114,427.70
(xxx)
IN NORTH CAROLINA.
Insurance Companies for year ending December 31, 1900.
Policies Ceased
During the
Policies in Force
December 31,
1900.
Losses.
Total
Premiums
Received
During the
Year.
Year.
Unpaid at Incurred
Paid
During the
Year.
No.
Amount.
No.
Amount.
Beginning
of Year.
During the
Year.
314
S 542,275.00
2,519
$ 3,853,324.00
S 1,647.00
8 72,751.00
$73,686.13
$ 105,444.91
103
408,000.00
331
1,267,500.110
37,927.23
397
122
105
127
17,061
62
21
934,457.00
167,niiii.iii)
172.IKI1. mi
326,000.00
1,549,837.00
88, Cii in. "ii
18,507.76
51,729.00
406,265.00
409,699.00
63,000.00
393,300.00
261,827.00
439.493.00
110,500.00
119,387.00
1,000.00
49,4( in. On
696, .00
266,703.25
243,000.00
300,765.00
19,000.00
81,118.00
3,640
639
770
579
43,409
244
142
385
2,992
3.027
107
1,846
1,151
1.144
117
210
37
384
241
1,299
2,54.".
75
347
7,467,791.00
866,500.00
1,336,088.00
1,422.000.11(1
4,893,285.00
£38,025.00
198,637. 13
449,151.51
8,785,197.00
6, 040,744.00
156,025.00
3,821,350.00
1,094,545.00
2,761,008.00
293,522.00
319,320.00
53,500.00
619,826.00
583,000.00
568,258.40
1,594,772.00
3,588.033.00
147.
439,147.00
2,100.00
50o. on
4,000.00
5,000.00
3,689.00
1,000.00
161,562.00
6, i.oo
23,800.12
73,500.00
71,195.00
5,000.00
63,173.00
2,500.00
20. son. 12
04,0110.00
74,529.00
6,000.00
225,589.60
15,188.00
39,257.35
42,281.82
100.732. (Mi
10,460.90
5,865.89
26
237
199
36
5,340.00
3,04(1.00
73,795.75
88,553.68
3,640.00
73,795.75
68,093.68
12,208.10
217,772.80
227,440.72
5,621.59
201
172
3,000.00
36,786.76
9,033.00
32,000.00
2,00(1.110
2,500-00
23,755.00
9,033.00
34,000.00
2,000.00
4,500.00
124,215.08
58,968.96
81,555.68
5,162.54
178
53
4,000.00
68
1
2,000.00
4,500.00
875.37
30
39
2,335.95
l.Ooo. no
12,268.17
6,559.12
20,175.00
1,000.00
6,536.90
2,335.95
1,000.00
12,384.67
7,559.12
18,175.00
1,000.00
6,336.90
20,973.85
12,703.57
712
93
201
700.30
2,000.00
17,542.66
29,828.73
123,776.93
15
58
4,213.79
15,381.60
20,631
8,177,864.01
68,726
54,147,835.56
39,982.30
652,038.45
578,341.32
1,624,469.75
(sxxi)
STATISTICAL TABLES
RELATING TO FRATERNAL
ORDERS.
TABLE No. XII-
Showing INCOME, DISBURSEMENTS, ASSETS AND
Name of Company.
American Guild
Ancient Order Amoreans
Anvil
Bankers Union of the World
Endowment Rank Knights of Pythias
Family Protective Union
Fraternal Union of America
Fraternities Accident Order
Improved Order Heptasophs
Knights of Honor
Knights of Kadosh
Knights and Ladies of Honor
Knights of Harmony
Knights of Mystic Chain
Knights Templar and Masons
Masonic Mutual Relief
National Union
Order of Columbus
Royal Arcanum
Royal Benefit Society
Royal Circle
Sovereign Camp Woodmen of the World-
Supreme Ruling Fraternal Mystic Circle
Union Indemnity League
United States Benevolent Society
Receipts.
From
Members.
$ 114,908.29
Totals .
3.699.02
66,456.07
1,497,476.41
12,611.63
43,511.82
1,146,514.15
3,545,785.28
8,370.95
1,365,469.31
Miscella-
neous.
$ 32,069.70
15,310.51
29,844.25
50.45
2,9S9.72
439,723.94
31,811.43
1,624,378.13
6,767,173.84
34,487.63
1,978,555.26
242,300.28
6,803.50
18,933,026.66
218.46
3,593.53
S, 288. 28
5,405.38
5,902.84
758.35
21,980.11
3,722.06
2,664.71
59,808.82
9.00
76,097.52
19,096.36
225.00
285,045.33
Total
$ 146,977.99
3,699.02
81,766.58
1,527,320.66
12,662.08
Dis-
To
Members.
$ 92,025.35
2,000.00
28,902.11
1,356,217.25
2,687.62
43,730.28
1,150,107.68
3,554,073.56
13,776.33
1,371,372.15
3,748.07
461,71)4.05
35,533.49
1,627,042.84
6,826,982.66
34,496.63
2,054,652.78
261,396.64
7,028.50
19,218,071.99
15,661.46
1,042,616.44
3,433,877.29
1,725.92
1,267,885.20
224.(10
335,847.79
26,313.05
1,502,150.00
6,277,075.15
11,003.40
1,702,774.55
193,590.32
4,283.25
17,273,830.15
(xxxiv)
FRATERNAL ORDERS.
LIABILITIES for year ending December 31, 1900.
BCESEMENTS.
Miscel la-
Total.
• - 138,578.81
Assets in Funds.
Mortu-
ary.
Reserve.
$41,202.72 3 60,936.01
Emergency.
Expense.
Total
Assets.
Total
Liabilities.
S
241.80 S 153,824.18
S 41,750.00
5,779.42
52,337.62
1311,709.93
9,Hi7.7n
7,77:i. 42
81, 239. 73
1,495,927. 18
11,795.32
194,194.86
1,169.53
724.40
267.00
31,613.12
248.42
5,101.47 .
24,435.80
644,969.12
2,409.35.
3,584.00
419,161.14
26,386.110
332.94
92,377.20
7,238.64,
123,631.56
25.50
3,32
67.309.51
8, 822. 4i:
122,099.81
42, 047.4C
1,142,449.38
3,526,254. 19
8,964.56
1,391,519.76
25.50
3,547.65
403,157.30
35, 13.-.. 51
1,624,249.81
7,519.68|.
28,142.95
147.22.
108,382.49'.
32,694.36
139.53
46,999.39
1,925.73'
314.55
17,923.49
195.05
110,716.05
385,788.56
129,407.17
208.40
18,691.12
12,765.63
130,892.35
361,890.19
2,211.51
126,305.98
24.5H
703.45!
475,335.27
17,021.71
377,407.17
62,000.00
220,900.97
1,749.74
111,129.28
89,546.71
8,524.01
248,000.00
162,073.84
21,523.13
6,439,148.99
32,524.53
273,811.86
1,395,593.40 137,739.90 2,582,307.32
I 3,411.26 4,211.26
775,162.10
3,411.26
842,049.04
57,722.63
2,784.5o
1,944,793.59
251,312.95
7,067.75
6,476.13 71.946.67 —
189.53
543,570.90
126,653.04
5S5.42
217,320.90
74,903.04
1,310,691.54 18,584,521.69
672,258.541 166,301.44
I
1,911,195.72 259,506.71 5,592,625.621 2,277,143.15
(xxxv)
TABLE No. XIII-
Showing EXHIBIT OF CERTIFICATES
Name of Company.
In Fokce December
31, 1899.
Issued
During 1900.
No.
Amount.
No.
Amount.
American Guild . .
4,156
$ 5,151,000.00
1,831
$ 1,936,500.00
Ancient Order Amoreans . _ .
Anvil _ _
489
13,097
11,324
1,151
928,500.00
Bankers Union of the World
5,956
60,522
1,399
5,234,400.00
108,389,500.00
1,239,500.00
13 187 750 00
Endowment Rank Knights of Pythias.
Family Protective Union .
16,051,000.00
838 500 00
Fraternal Union of America .
Fraternities Accident Order .
5,355
52,830
66,863
341
51,799
17,303,000.00
89,384,000.00
IIS, 496, 000.00
510,500.00
61,660,000.00
4,290
9,401
3,125
2,943
8,955
In 123 500 00
Improved Order Heptasophs
13,195 000 00
Knights of Honor __ _ _
3 9 95 5O0 00
Knights of Kadosh . _
4,698,500.00
Knights and Ladies of Honor
7,764,000.00
Knights of Harmony .
Knights of Mystic Chain . __ _______
Knights Templar and Masons
6,603
1,247
53,039
20,103,250.00
1,247,000.00
138,977,000.00
727
263
9,847
1,703.500.00
Masonic Mutual Relief
263,000.00
15,306,Oi«i.OO
National Union .. . _
Order of Columbus _____ _
Royal Arcanum .
193,868
2,815
539,920,500.00
714,040.00
24,086
4,357
40,777,500.00
657,525.00
Roval Benefit Society
Sovereign Camp Woodman of the World
Supreme Ruling Fraternal Mystic Circle
Union Indemnity League
113,473
11,875
1,182
199,067,300.00
20,318,500.00
38,671
3,296
1,658
52,972,100.00
3,888,500.00
United States Benevolent Society. .
Totals __
653,323
1,327,755,090.00
isfl.sn
187,4S9 875.00
(xsxvi)
FRATERNAL ORDERS.
for year ending December 31, 1900.
Term
i.nated During
1900.
In Force December
31, 1900.
]
NCREASE.
Decrease.
No.
Amount.
No.
4,634
Amount.
No.
Amoum.
No.
Amount.
1,353
$ 1,492,000.00
S 5,595,500.00
478
8 444,500.00
$
107
294,500.00
1,128,400.00
8,077,000.00
928,000.00
382
12,851
60,561
1,437
634,000.00
17,293,750.00
116,363,500.00
1,145,000.00
1,202
11,895
6,039
38
12,059,350.00
7,974,000.00
5,285
1,113
94,500.00
2,934
8,185,500.00
10,885,0011.00
16,628,000.00
911,500.00
12,212,000.00
6,711
55,102
59,932
2,602
49,785
19,241,000.00
91,694,000.00
105,136,500.00
4,297,500.00
57,212,000.00
- . -
1,356
2,272
1,938,000.00
2,310,000.00
7,129
10,056
682
6,931
13,359,500.00
2,261
3,787,000.00
10,969
4,448,000.00
1,096
3,408,500.00
156,000.00
9,391,000.00
6,234
1,354
58,152
18,398,250.00
1,354,000.00
144,892,000.00
369
1,705,000.00
156
107
5,113
107,000.00
5,915,000.00
4,734
7,880
21,873,ooii.i'0
557,490.00
210,074
4,352
558,825,000.00
814,075.00
16,206
1,537
18,904,500.00
100,035.00
2,820
22,307
32,208,200.00
2,990,416.67
129,837
12,889
1,194
219,831,200.00
21,216,583.33
16,364
1,014
12
20,763,900.00
898,083.33
2,282
1,646
73,781
131,326,506.67
679,083
1,383,943,858.33
64,992
76,191,368.33
9,314
19,007,000.00
■ xxr.viw,
TABLE No. XIV—
Showing BUSINESS IN NORTH CAROLINA
Name or Company.
certificates in force
December 31, 1899.
Certificates Issued
in 1900.
No.
Amount.
No.
Amount.
American Guild _ . _
140
$ 264,000.00
23
$ 23,500.00
Ancient Order Amoreans .
Anvil— . __ _
Bankers Union of the World..
Endowment Rank Knights of Pythias
Family Protective Union
1,254
91
2,442,000.(10
91,000.00
118
61
170,000.00
58 500 00
Fraternal Union of America .
Fraternities Accident Order _ _
Improved Order Heptasophs _ __.
951
1,005
1,808,000.00
1,962,000.00
172
3
209
49
314 000 00
Knights of Honor . ._
4,000.00
389,500.00
Knights of Kadosh ... _
Knights and Ladies of Honor _
339
537,500.00
49 son 00
Knights of Harmony
'
Knights of Mystic Chain ._ .
Knights Templar and Masons
Masonic Mutual Relief.
852
1
238
2,037,498.00
1,0110.00
493,000.00
25
8
353
37,000.00
8,000.00
National Union. _. ....
561,000.00
Royal Arcanum
1,808
688
5,193,500.00
161,425.00
236
425
470,000.00
65,425.00
Royal Benefit Society _ .
Royal Circle _
Sovereign Camp Woodmen of the World
Supreme Ruling Fraternal Mystic Circle
Union Indemnity League _ _
838
320
358
1,662,300.00
710,000.00
157
79
757
241,200.00
116,000.00
United States Benevolent Society
Totals _ . ...
8,943
17,363,223.00
2,675
2,510,625.00
(xxxviii)
FRATERNAL ORDERS.
for year ending December 31, 1900.
Certificates Termina-
ted IN 1900.
Certificates in Force
December 31, 1900.
Assessments
Collected.
Losses.
No.
Amount.
No.
Amount.
Incurred.
Paid.
27
S 34,500.00
136
$ 253,000.00
$ 3,669.91
$ 4,000.00
$ 4,000.00
110
28
175,000.00
24,000.00
1,262
124
2,437,000.00
125,500.00
27,959.30
490.55
24,000.00
205.00
26,000.00
205.00
24
984
901
206
304
87,000.00
1,881,000.00
1,654,500,00
383,500.00
478,000.00
194.10
17.859.60
56,965.35
266.11
15,227.98
35.70
18,000.00
50,000.00
35.70
16,000.00
56,000.00
139
167
3
241,000.00
312,000.00
6,000.00
102,000.00
84
17,000.00
18,000.00
79
180,000.00
798
9
496
1,894,498.00
9,000.00
928,000.00
19,000.00
8,000.00
68.97
5,829.26
95
126,000.00
13,000.00
16,000.00
92
286
264,000.00
57,150.00
1,952
827
5,399,500.00
169,700.00
68,146.19
8,541.82
90,000.00
1,201.00
96,000.00
826.00
83
31
615
149,800.00
61,500.00
912
368
500
1,753,700.00
764,500.00
13,995.32
7,475.86
1,283.50
10,600.00
6,000.00
730.65
16,400.00
3,000.00
1,839
1,732,950.00
9,803
18,218,398.00
22S,072.82
253,772.35
260,466.70
(xxxix)
STATISTICAL TABLES
RELATING TO ACCIDENT, CASUALTY, FIDELITY
AND SURETY COMPANIES.
TABLE No. XV-
Showing ASSETS of Fidelity and Casualty
Name of Compatjy.
Real Estate.
Loans,
Bonds and
Mortgages.
Bonds and
Securities
Owned.
*JEtna (Accident Department) _
$ .
" 150~56iT86~
18,583.76
69,700.00
$
American Bonding and Trust Co. .- . .
23,404.44
3,028,217.16
657,100.00
940,210.25
1,156,437.50
437,790.50
1 281 853 75
American Surety of New York _
City Trust, Safe'Deposit and Surety Co.
Employer's Liability
Fidelity and Casualty
_ . . .
567,737.29
2,880,483.25
3,364,357.00
1 8'?1 365 00
Fidelity and Deposit of Maryland .
600,000.00
Hartford Steam Boiler _.
30,712.00
458,450.00
Maryland Casualty _
1,244,522.45
1,256,050.00
337 685 00
National Surety Co. __ _ .
11,225.00
13,704.39
2,500.00
New York Plate Glass Insurance Co. _
Preferred Accident
637 145 00
Standard Life and Accident .
87,930.43
255,687.00
522,031.00
♦Travelers (Accident)
United States Fidelity and Guaranty . __ ._.
138,467.04
300.00
876,541.75
Totals..
5,143,853.16
969,489.01
16,757,472.45
♦Assets shown in Life Tables.
(xlii)
ASSETS.
Companies for year ending December 31, 1900.
Collateral
Loans.
271,785.61
644,211.57
1,329,597.24
603,850.00
32,000.00
Cash.
84, 105. 3! I
263,930.37
669,899.90
34,678.91
143,098.92
319,584.71
150,068.37
117,337.03
67,967.70
25,509.77
170,748.46
96,702.47
Interest and
Rents Due
and Accrued.
17,640.58
13,051.52
23,943.00
10,134.58
3,739.71
~12,616.93
4,430.00
8,416.72
2,788.15
12,049.10
Unpaid
Premiums
Miscellaneous.
60,073.
93,081.
9,330.
224,716.
341,156,
97,372.
223,391.
256,1111.
43,9-^3.
30,821.
88,550.
180,822.
93
60
35
36
43
08
28
60
75
18
00
63
93,223.61
150,994.33
4,423.48
99,853.85
75,254.09
Total.
1,641
5,217,
3,348,
1,551,
3,936,
4,381,
2,701,
2,326,
1,608,
396,
899,
1,155,
065.67
513.48
355.32
383.60
215.60
313.79
027.06
095.53
541.65
516.25
231.61
222.63
790,789.00
266,740.52
10,603.66
172,755.86
2,256,197.83
3,672,233.42
2,410,373.12
119,413.15
1,822,098.35
423,749.36 1
31,318,680.02
(xliii)
TABLE No. XVI-
Showing LIABILITIES of Fidelity and Casualty
Name of Company.
Total Claims
— *■ —
c ® «
♦..Etna (Accident Department)
American Bonding and Trust Co.
American Surety of New York
City Trust, Safe Deposit and Surety Co..
Employer's Liability
Fidelity and Casualty
Fidelity and Deposit of Maryland
Hartford Steam Boiler
Maryland Casualty
National Surety Co
New York Plate Glass Insurance Co
Preferred Accident
Standard Life and Accident
*Travelers (Accident)
United States Fidelity and Guaranty
17,2-20.00
- 120,282.00
Totals
14,428.02
78,000.00
41,570.00
319,155.00
557,900.00
178,084.30
137,900.00
$
22,450.04
to
24,803.47
291,616.17
62,525.90
465.00
28,747.23
155,163.09
1,055.00
271,500.02 1,193,039.30; 23,505.04
275.00
43,542.14
10,568.99
4,332.62
~3~253.58
30,271.34
637,409.34 18,155.19
♦Liabilities shown in Life Tables.
(xliv)
LIABILITIES.
Companies for year ending- December 31, 1900.
Unpaid.
<b a.
— _ «
■- c a
5." «
CD J
S
1,132.34 ___
17,851.85
2,238.00.
o
24,803.47
291, CIO. 17
62,525.90
336,840.00
741,08(1.60
155,163.09
17,851.85
199,357.94
43,542.14
3,253.58
78,000.00
ISO, 525. 00
a.
s«
Eh
<
a.
210,
592,
129,
644,
,859,
650,
,561,
673,
263,
128,
430,
506,
408.
251 .
824.
565.
134.
248.
434.
725.
987.
090.
066,
484.
30 1
67 —
89 2,
511
49!
39 1 —
36..
49!
48
93 1
78
75
3,143.
395,730.
11,268.
193,004
25 1 1
— I 2
97
4<;
38
1
25,029.
108,687.
7,096.
2,723.
12,851.
,000,000.
,500,000.
500,000.
200,000.
250,000.
,500,000.
500,0110.
750,000.
500,000.
100,000.
♦00,000.
250,000.
a.
CD
00 403,
00 1,833,
260,
358,
892,
2,075,
621.
677,
592,
158,
188,
205,
676.65
645.64
273.56
709.63
996. IS
902.31
740.85
982.35
324.62
075.45
441.48
361.52
o
1,642,
5,217,
3,348,
1,551,
3,936,
4,381,
2,701,
2,326,
1,508,
396,
899,
1,155,
031.67
513.48
355.32
383.60
215.60
313.79
027.06
095.5.3
541.65
516.25
231.61
222.63
30,271.34
461,358.60
1,500,000.00
264,567.89 2,256,197.83
21,222.19 2,164,831.08
8,111,581.64
2,759,535.22 9,750,000.00
8,533,698.08' 31,319,646.02
(xlv)
TABLE No. XVII-
Showing RECEIPTS of Fidelity and Casualty
Name of Company.
Premiums
Accident.
Employer's
Liability.
Burglary.
1,220,490.53
1,377,229.80
.Etna (Accident Department) $1,106,408.53 8
American Bonding and Trust Co.
American Surety of New York
City Trust, Safe Deposit and Surety Co
Employer's Liability ." 151,090.98
Fidelity and Casualty 1,113,283.24
Fidelity and Deposit of Maryland
Hartford Steam Boiler
Maryland Casualty 177,920.6(5 1,103,998.30
National Surety Co.
New York Plate Glass Insurance Co
Preferred Accident 1,087,558.03
Standard Life and Accident 733,007.73 445,650.03
297,418.84
Travelers (Accident Department)
United States Fidelity and (xuaranty
Totals 7,824,361.73 4,147.378.26
3,455,092.56
Fidelity
and Surety.
381,510.19
986,966.39
222,607.38
22,065.84
290,884.99
1,138,262.47
558,746.78
9,587.11
I
307,oo.-,.:).-,
767,321.81
4,368,265.85
(xlvi)
RECEIPTS.
Companies for year ending December 31, 1900.
Received.
Rents,
Interest and
Dividends.
All other.
Total
Receipts.
Plate
Glass.
Steam
Boiler.
Sprinkle
and
Leakage.
Total Premi-
um Income.
8
•
S
S 1,106,408.53
381,510.19
986,696.39
222,607.38
1,393,647.35
3,572,502.36
1,138,262.47
1,148,040.14
1,447,419.04
558,746.78
248,079.29
1,087,558.03
1,178,667.36
3,455,092.56
776,808.92
$2,342,370.07
55,638.17
264,684.84
113,199.90
52,503.91
161,450.33
174,124.75
115,899-16
76,880.87
40,588.22
12,193.14
20,641.50
34,347.93
3 11,050.50
31,922.36
103,418.85
7,887.24
42,202.36
12,305.00
73,743.53
24,336.75
56,920.14
58,205.24
156.35
S3, 459,829. 10
469,070.72
1,355, 0711. us
343,694.52
1,488,353.62
213 805.15
279,880.34
3,746,257.69
1,386.130.75
1,148,040.14
67,577.39
1,288,276.05
69,515.04
28,407.65
1,581,220.05
657,540.35
248,079.29
260,428.78
1,108,199.53
65,000.00
1,278,015.29
3,455,092.56
62,097.97
30,544.20
869,451.09
531,399.48
1,495,497.87
28,407.65
18,702,316.79
3,526,620.87
517,692.52
22,740,630.18
(xlvii)
TABLE No. XVIII-
Showing DISBURSEMENTS of Fidelity and Casualty
Name of Company.
Mtna. (Accident Department)
American Bonding and Trust Co.
American Surety of New York
City Trust, Safe Deposit and Surety Co. .
Employer's Liability
Fidelity and Casualty
Fidelity and Deposit of Maryland
Hartford Steam Boiler
Maryland Casualty
National Surety Co.
New York Plate Glass Insurance Co.
Preferred Accident
Standard Life and Accident
Travelers (Accident Department)
United States Fidelity and Guaranty
Totals 3,061,629.95 1,707,927.19
Losses
Accident.
$ 453,571.89
61,807.85
402,483.38
Employer's
Liability.
516,570.75
673,627.69
78,943.32 325,121.39
348,386.45
336,180.42
1,378,256.64
192,607.36
Burglary.
109,874.25
25.00
109,899.25
Fidelity
and
Surety.
83,699.70
385,285.05
42,581.21
8,787.48
29,750.61
371,259.86
95,129.61
188,415.09
1,204,908.61
( xlviii)
DISBURSEMENTS.
Companies for year ending December 31, 1900.
Paid.
Plate
Glass.
Steam
Boiler.
Sprinkler
and
Leakage.
$
Total
Losses
Paid.
453,571.89
83,099.70
385,285.05
i : 42, 58 1.21
■ 587,166.08
95,238.55i 56,853.96 1,367,828.44
! 371,259.86
[109,331.531
14,130.63 3,424.92
28,410.29
129,341.09
252,989.93
109,331.53
450,030.55'
95,129.61
129 ,-341. 09
34S,386.45
528,787.78
1,378,256.54
188,440.09
Dividends.
Salaries
and Com-
■ missions
Officers and
Agents.
$ 43,750,
60,000,
200,000,
30,030,
00
cm
00 i
001
50,000,
262,447.
so, c ,
89,970.
50,000.
10,00(1.
12,000.
10,000.
f 427
154
436
183
384
1,482
408
830
627
229
113
482
75,000.00
,165.00
,868.14
,949.15
,665.04
,9X1.76
.020.41
,990.50
,090.73
,400.86
,911.93
,249.75
,177.27
,999.65
345,791.36
180,316.12 3,424.92 6,520,095.97 973,197.751 6,552,267.55
All Other.
83,727.69
111,716.11
258,505.48
56,310.39
229,729.55
527,449.42
179,816.43
103,428.80
197,168.14
147,519.21
22,590.97
128,810.22
99,927.20
174,433.12
Total
Disburse-
ments.
SL oc is,
410,
1,280,
312,
1,211,
3,430,
1,222,
1,122,
1,364,
522,
275,
971,
1,071,
1,378,
783,
214.58
283.95
739.68
586.64
87 7.: 39
304.27
514.29
851.06
569.81'
560.75
181.81
373.94
714.63
256.64
664.57
2,321,132.73 16,366,694.00
(xlix)
TABLE No. XIX—
Showing RISKS and PREMIUMS of Fidelity and
Name of Company.
Accident.
Employee's Liability.
Btm-
Amount.
Premiums.
Amount.
Premiums.
Amount.
.fEtna (Accident Department) .
8 339,017,183.33
1,132,087.33
$
$ - —
ft.....
:_.:::::::::
Oity Trust Safe Deposit and Surety Co.
)
40,803,915.00
521,172,008.32
181,350.74
1,644,876.63
321, 499, 086. 00
218,079,333.00
1,428,884.82
1,678,224.27: 46,545,363.81
77,801,575.00
236,282.15
68,857,499.00
1,325,193.84
New York Plate Glass Insurance Co.
575,320,000.00
144,740,970.00
639,122,551.00
. _ _
1,125,301.75
899,746.22
Standarcl Life and Accident
51,322,000.00 486.050.00
Travelers (Accident Department)
_ _
U. S. Fidelity and Guaranty
2,501,597.96
Totals — .
2,294,978,202.65
5,219,844.82
659.757.917.00
4,918,352.93
49,136,961.77
RISKS AND PREMIUMS.
Casualty Companies for year ending December 31, 1900.
GLABT.
Fidelity and Surety.
Plate Glass.
Steam Boileb.
Sprinkler Leakage.
Prems.
Amount. Prems.
1
Amount.
Prems.
Amount.
Prems.
Amount.
Prems.
S .
8
S
$
97,980,845.20 450.495.68
348,251,059.00
87,399,306.96
6,063,745.00
89,722,940.17
249,046,365.00
1,197,130.01
248,276.18
20,949.98
352,855.51
1,135,321.65
350,340.67
10,634,559.04
252,414.62
97,392,668.50
379,041.66
133,904,232.00
«fi san Rim no
1,212,363.30
72,894.72
1,6(6,449.69
91.659.05
2 9°5 650 00
•31 fili >7C
190,904,741.00
653,848.88
' '
13,987,373.28
319,477.20
23,376.77! 232,374,942.31
961,084.96
373,717.44
1,281,644,944.04
5,025,962.85
26,225,382.01
663,550.87
257,127,500.50
1,664,299.68
2,925,650.00
31,814.76
(H)
TABLE No. XX-BUSINESS
Showing RISKS and PREMIUMS for
Accident.
Employer's Liability.
Name of Company.
Amount.
Premiums.
Amount.
Premiums.
$ 881,000.(1(1
$ 4,230.14
$
$
208,464.00
4,465,S75.00
926.51
10,840.28
326,506.00
1,600.000.00
1,451.14
11,787.93
799,350.00
2,991.66
142,000.00
1,793.76
Preferred Accident -
2,876,000.00
959,210.00
4,653,495.00
5,561.25
6,304.94
Travelers (Accident Department). —
Totals — - - -
14,843,394.00
30,854.78 2,068,500.00
15,032.84
(lii)
IN NORTH CAROLINA,
year ending December 31, 1900.
Burglary.
Fidelity and Surety.
Plate Glass.
Steabi Boiler.
Amount.
Premiums.
Amount.
Premiums.
Amount.
Premiums.
Amount.
Prems.
8
8
8
2~573, 759 7oo"
1,340,733.00
93,300.00
8
~9jiI727"
2,525.14
515.00
$
8
$
8
118,960.00
866.34
25,250.00
1,031,250.00
133.35
6,133.89
45,067.10
1,096.71
1,179,000.00
4,523.23
2,195,000.00
115,000.00
12,354.27
::::::::::::
10,792.30
436.36
309.05
1,305,605.00
3,426.73
20,853.96 518.91
1
2,184,249.48
10,626.52
118,960.00
866.34
8,554,146.48
39,101.90
76,713.36
2,051.98 1 3,489,000.00
17,186.55
(liii)
REPORTS
OF
INSURANCE COMPANIES.
LIFE COMPANIES.
ABSTRACTS FROM ANNUAL STATEMENTS FILED IN THIS DEPART-
MENT, SHOWING THEIR TRANSACTIONS FOR THE
YEAR OF 1900 AND THEIR CONDITION ON
THE 31ST DAY OF DECEMBER, 1900.
.ETNA LIFE INSURANCE COMPANY.
Located at Hartford, Conn. Incorporated 1820. Commenced Business 1850.
M. G. Bulkeley, President. J. L. English, Secretary.
Cash capital, $1,750,000.
Amount of net or ledger assets December 31, 1899 $ 50, 184, 732. 07
INCOME.
Premiums on new policies $ 1,342,096.52
Renewal premiums 5,042,410.20
Dividends applied to pay running premiums 563,339.94
Surrender values applied to purchase paid-up insur-
ance 7,269.29
Received for annuities 196,100.11
Total premium income $ 7,151,216.06
Rents 36,097.33
Interest on mortgage loans 1,235,860.08
Interest on collateral loans and premium notes 180,671.30
Interest and dividends on stocks and bonds 833,182.44
Interest on other debts due the company 55,111.81
Profit on sales of real estate and securities 11,050.50
From all other sources (including Accident Department) 1,107,855.64
Total income 10,611,045.16
Aggregate last balance and income $ 60, 795, 777. 23
DISBURSEMENTS.
Paid for losses and additions $ 2,363,464.45
Paid for matured endowments and additions 1,313,709.83
Installment death claims 4,093.69
Net amount paid for losses and matured endowments $ 3,681,267.97
Cash dividends paid policy-holders 315,553.05
Dividends applied to pay running premiums 563,339.94
Surrender values paid in cash 152,635.42
Surrender values applied to pay running premiums 7,269.29
Surrender values applied to purchase paid-up insurance 196,100.11
Total paid policy-holders $ 4,916,166.38
Interest or dividends to stockholders 175,000.00
Commissions and bonuses paid to agents— new policies, $680, 958. 25;
renewals, $313,876.25 994,834.50
Salaries and allowances for agencies 21,042.99
Salaries of officers and home-office employees 181,069.37
Medical examiners' fees and inspections 77,389.45
Taxes od premiums, reserves, municipal and State licenses 204,947.08
Tax on real estate and investments 9,046.99
Insurance Department fees and agents' licenses 7,628.20
Repairs and expenses on real estate 58,541.87
Rents 29,870.41
6 Document No. 10. [Session
Advertising, printing, stationery and postage $ 09,645.83
Legal expenses 14,837.11
All other expenses (including disbursements in Accident Depart-
ment) 1,173,163.92
Total disbursements $ 7, 933, 084. 10
Balance $ 52,862,693.13
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate $ 469,080.71
Loans on mortgages 24,107,274.86
Loans on collaterals 918,308.67
Loans to policy-holders on this company's policies 1,904,942.00
Premium noteson policies in force 461,213.15
Book value of stocks and bonds 17,632,610.28
Cash in company's office 76,620.07
Cash in bank 7,252,186.82
Bills receivable 43,316.65
Agents' debit balances 33,316.66
Total $ 52, 893, 881. 87
Deduct ledger liabilities —
Agents' credit balances 8 27,907.57
All other 3,281.17
31, 188. 74
Total net ledger assets $ 52,862,693. 13
OTHER ASSETS.
Interest and rents due and accrued 768, 293. 60
Market value of bonds and stocks over book value 1, 854, 517. 63
New
Business. Renewals.
Gross premiums due and unreported on policies in
force December 31, 1900 8 395,914.15 8 182,651.58
Gross deferred premiums on policies in force Decem-
ber 31, 1900 89,321.73 250,954.37
Totals 8 485,235.88 $ 439,605.95
Deduct cost of collection of same 242,617.94 20,376.36
8 242,617.94 8 413,229.59
Net amount of uncollected and deferred premiums 655, 847. 53
Total assets $ 56,141,351.89
Deduct non-admitted assets —
Loans on personal security $ 20,359.22
Premium notes, loans or liens, etc 253.67
Commissions payable to agents on premium notes when paid.. 2,197.63
Agents' debit balances unsecured 20,455.36
Total deductions 49,265.88
Total admitted assets $ 56,092,086.01
1903.] Document No. 10.
LIABILITIES.
Net present value of all policies in force December 31,1900, com-
puted according to the Actuaries' Table of Mortality, with 4 per
cent, interest $47,607,567.00
Deduct net value of risks re-insured 42,884.00
Net reserve $ 47,564,683.00
Present value of undue installment policies 34, 598. 00
Matured endowments due and unpaid $ 73,707.00
Death losses in process of adjustment or adjusted and not due 102,132.00
Death losses reported but no proofs received 22,348.00
Policy claims resisted by the company 11,579.00
Total policy claims 209,766.00
Unpaid dividends, etc., due policy-holders 750, 340. 38
Due^and accrued for salaries, rents, etc 10,000.00
Premiums paid in advance 19, 400. 00
Surrender values 6, 963. 00
Special reserve, in addition to 4 per cent, reserve 1, 934, 000. 00
Total liabilities, accident business 497, 125. 57
Liabilities on policy-holders' account $ 51, 026, 876. 61
Surplus 3,315,209.40
Capital stock paid up 1,750,000.00
Total liabilities $ 56, 092, 086. 01
EXHIBIT OF POLICIES.
No. Policies. Amount.
Policies and additions in force December 31, 1899 100,271 $ 168,449,790.00
Written during 1900 20,241 38,832,178.00
Revived duringl900 50 160,988.00
Changed and increased during 1900 172 328,081.00
Totals - — 120,734 $ 207,771,037.00
Policies terminated— No. Policies. Amount.
By death
By maturity
By expiry
By surrender
By lapse
By change and decrease
By not being taken
Total policies terminated during 1900 8,274 15,178,221.00
Policies in force December 31, 1900 112,460 3 192,592,816.00
Policies re-insured 43 268,417.00
1,484
$ 2,395,062.00
987
1,330,712.00
183
• 367,400.00
1,083
1,689,748.00
2,160
4,513,436.00
168
386,756.00
2,209
4,495,107.00
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Policies in force December 31, 1899 .
Written during 1900
Terminated during 1900
In force December 31, L900
Losses unpaid December 31, 1899 __.
Losses incurred during 1900
Losses paid during 1900
Premiums collected during 1900 —
No. Policies.
Amount.
1,966 !
5 3,100,175.00
867
1,295,424.00
314
542,275.00
2,519
3,853,324.00
3
1,647.00
46
72,751.00
47
73,686.13
105,444.91
8
Document No. 10.
[Session
BANKERS LIFE INSURANCE COMPANY OF NEW YORK.
Located at New York City. Ke-incorporated 1899. Commenced Business 1869.
Richard Morgan, President. Charles S. Gaubert, Secretary.
Cash capital, $100,000.
Amount of net or ledger assets December 31, 1899
INCOME.
Premiums on new policies $ 140,362.97
Renewal premiums 393,557.31
Dividends applied to pay running premiums 1,988.38
Surrender values applied to purchase paid-up in-
surance 45.80
Total premium income $ 535,954.46
Interest on mortgage loans 3,280.00
Interest on collateral loans and premium notes 474.04
Interest and dividends on stocks and bonds 10,973.92
Interest on other debts due the company 1,083.71
Interest on deferred premiums 559.98
Profit on sales of real estate and securities 1,763.35
From all other sources 18,037.19
Total income !
Aggregate last balance and income
DISBURSEMENTS.
Paid for losses and additions $ SI, 924. 03
Net amount paid for losses and matured endowments $ SI, 924. 03
Premium notes voided by lapse 839. SS
Dividends applied to pay running premiums 1,988.38
Surrender values paid in cash 841.04
Surrender values applied to pay running premiums 45.80
Advance payments applied and returned 1,503.73
Advance premiums received with applications applied and re-
turned to rejected applicants 16,993.55
Total paid policy-holders $ 104,136.41
Interest or dividends to stockholders 5,500.00
Commissions and bonuses paid to agents — new policies, $89,167. 44;
renewals, $21,027.20 110,194.64
Salaries and allowances for agencies 7,843.06
Salaries of officers and home office employees 36,855.21
Medical examiners' fees and inspections 6,419.95
Taxes on premiums, reserves, municipal and State licenses 2,456.82
Insurance Department fees and agents' licenses 1,186.41
Rents 9,584.58
Advertising, printing, stationery and postage 17,539.69
Legal expenses 16,056.24
All other expenses 17,372.44
Total disbursements
Balance $
$ 420, 311. 93
572, 115. 65
$ 992, 427. 58
$ 335, 145. 45
657, 282. 13
1903.] Document No. 10. 9
ASSETS.
AS PER LEDGER ACCOUNTS.
Loans on mortgages $ 73,000.00
Loans to policy-holders on this company's policies 5,110.56
Premium notes on policies in force 9,202.64
Book value of stocks and bonds 476,735.61
Cash in company's office 2,763.74
Cash in bank 68,288.56
Bills receivable 1,210.73
Agents' debit balances 19,910.50
Furniture and fixtures 1,059.79
Total net ledger assets $ 657, 282. 13
OTHER ASSETS.
Interest and rents due and accrued 865. 21
Market value of bonds and stocks over book value 14, 789. 39
New
Business. Renewals.
Gross premiums due and unreported on policies in
force December 31,1900 S 502.29 $ 15,844.19
Gross deferred premiums on policies in force Decem-
ber 31, 1900 6,676.63 39,814.09 -
Totals $ 7,178.92 $ 55,658.28
Deduct cost of collection of same .: 4,307.35 4,174.37
$ 2,871.57 8 51,483.91
Net amount of uncollected and deferred premiums 54,355.48
Total assets $ 727,292.21
Deduct non-admitted assets —
Furniture, fixtures and supplies $ 1,059.79
Agents' debit balances unsecured 19,910.50
Bills receivable unsecured 1,210.73
Total deductions 22,181.02
Total admitted assets $ 705,111.19
LIABILITIES.
Net present value of all policies in force December 31, 1900, com-
puted according to the Actuaries' Table of Mortality, with 4 per
cent, interest $ 397,321.00
Net reserve $ 397, 321. 00
Premium notes or loans on policies and other obligations in excess
of the net value of their policies 1, 879. 55
Death losses reported but no proofs received $ 3,000.00
Policy claims resisted by the company 8,000.00
Total policy claims 11,000.00
Due and accrued for salaries, rents, etc 24,124.08
Premiums paid in advance 792. 42
Special liability on account of deficient premiums 11, 404. 00
Premiums paid on policies applied for 264. 59
Agents' credit balances 824.37
Liabilities on policy-holders' account $ 447, 610. 01
10
Document No. 10.
[Session
Surplus
-$
257 501 18
Capital stock paid up
100, 000. 00
705 111 19
Total liabilities
EXHIBIT OF POI
December 31, 1899 .
JCIES.
No.
Polici
5,098
1,761
56
Policies and additions in force
Written during 1900 .
Revived during 1900 -_
ES.
$
Amount.
16,103,000.00
5,144,726.00
221,600.00
Totals _ .
6,915
958
$
21,469,326.00
Policies terminated —
By death _
No. Policies.
52
17
726
163
$
Amount.
86,800.00
57,000.00
2,484,000.00
524,300.00
By surrender .
By lapse
By not being taken
luring
1900 .
Total policies terminated c
1900 _ _
3,152,100.00
Policies in force December 31,
5,957
18,317,226.00
GAIN AND LOSS EXHIBIT DURING THE YEAR.
(Upon basis of Actuaries 1 Mortality and 4 per cent, interest).
Surplus at beginning of the year f>
Loading earne"d on premiums of insurance and annuity--
Interest, rents, etc., earned $ 16,336.24
Profit and loss items • 3,493.03
Cost of insurance
Reserves released by surrender and lapse, of which $8, 297. 91 was
from policies upon which three years' premiums had not been
paid
Total credits
Insurance expenses incurred_-
Investment expenses incurred
228,134.98
2,874.06
Interest required to maintain reserve ,
Death losses incurred 8
Less re-insurance reserves and compromises on losses, and re-
serves released by death of annuitants
86,800.00
4,118.62
Surrender and lapse values allowed
Dividends to policy-holders
Dividends to stockholders
Guarantee fund and surplus at end of year-
Total debits
163, 987. 76
163, 124. 39
12, 843. 21
245, 443. 84
11, 541. 39
$ 596, 940. 59
231, 009. 04
13, 187. 96
82, 682. 38
5, 071. 65
1, 988. 38
5, 500. 00
257, 501. 18
-$ 596, 940. 59
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Policies in force December 31, 1899
Written during 1900
Terminated during 1900
In force December 31, 1900
Premiums collected during 1900
No. Policies.
Amount.
213
S 807,000.00
221
868,500.00
103
408,000.00
331
1,267,500.00
37,927.23
1903.]
Document No. 10. 11
EQUITABLE LIFE ASSURANCE SOCIETY OF THE
UNITED STATES.
Located at New York City. Incorporated 1859. Commenced Business 1859.
James W. Alexander, President. William Alexander, Secretary.
Cash capital, $100, 000.
Amount of net or ledger assets December 31, 1899 $260, 599, 597. 48
INCOME.
Premiums on new policies $ 5.565,331.55
Renewal premium? 36,554,294.52
Dividends applied to purchase paid-up insurance — 762,335.51
Surrender values applied to purchase paid-up insur-
ance 1,457,983.00
Received for annuities 980,274.56
Less amount paid for re-insurance 1,080.45
Total premium income $ 45,319,138.69
Rents 2,049,262.23
Interest on mortgage loans 1,836,301.93
Interest and dividends on stocks and bonds 6,655,334.44
Interest on other debts due the company 1,714,769.35
From all other sources 432,324.34
Total income $ 58,007,130.98
Aggregate last balance and income $318, 606, 728. 46
DISBURSEMENTS.
Paid for losses and additions $14,823,257.15
Paid for matured endowments and additions 2,046,660.86
Paid for installment death claims 37,695.00
Net amount paid for losses and matured endowments 8 16,907,613.01
Paid to annuitants 668,923.98
Cash dividends paid policy-holders- 2,719,305.14
Dividends applied to purchase paid-up insurance 762,335.51
Surrender values pai'd in cash 3,449,838.66
Surrender values applied to purchase paid-up insurance 1,457,983.00
Total paid policy-holders $25,965,999.30
Interest or dividends to stockholders 7, 000. on
Commissions and bonuses paid to agents — new policies, $2,537,490.15;
renewals, $2,342,426.33; annuities, 829,374 61 4,909,291.09
Salaries and allowances for agencies 284,150.92
Salaries of officers and home office employees 770,282.48
Medical examiners' fees and inspections 398,773.57
Taxes on premiums, reserves, municipal and State licenses 373, 275. 9S
Taxes on real estate and investments 367,724.06
Insurance Department fees and agents' licences 104,607.67
Repairs and expenses on real estate 549,712.63
Rents 364,889.18
12 Document No. 10. [Session
Advertising, printing, stationery and postage $ 595,566.55
Legal expenses 275,283.83
All other expenses 1,522,569.25
Total disbursements $ 36,499,126.51
Balance $282,107,601.95
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate $ 38,188,725.12
Loans on mortgages 45,411,662.86
Loans on collaterals 25,371,587.00
Loans to policy-holders on this company's policies 7,372,645.27
Book value of stocks and bonds ." 147,520,222.00
Cash in company's office 15 870.31
Cash in bank 8,942,587.17
Cash in hands trust company at interest 8,760,119.08
Agents' balances 524,183.14
Total net ledger assets $282, 107,601.95
OTHER ASSETS.
Interest and rents due and accrued 2, 700, 430. 54
Market value of bonds and stocks over book value 13, 272, 581. 00
New
Business. Renewals.
Gross premiums due and unreported on policies in
force December 31, 1900 $ 2,665,705.00 $3,194,910.00
Gross deferred premiums on policies in force Decem-
ber 31, 1900 324,596.00 2,406,489.00
Totals $ 2,990,301.00 $5,601,399.00
Deduct cost of collection of same 1,791,181.00 280,069.00
$ 1,196,120.00 $5,321,330.00
Net amount of uncollected and deferred premiums $ 6, 517, 450. 00
Total assets $304,598,063.49
Deduct non-admitted assets —
Agents' balances unsecured $ 524,183.14
Total deductions 1 524, 183. 14
Total admitted assets $304,073,880.35
LIABILITIES.
Net present value of all policies in force December 31, 1900, com-
puted according to the Actuaries' Table of Mortality, with 4 per
cent, interest $235,343,493.00
Net reserve * $235,343,493.00
Present value of undue installment policies 498, 022. 00
Matured endowments due and unpaid $ 157,442.13
Death losses due and unpaid 231,778.45
Death losses in process of adjustment or adjusted and not due 93,221.42
Death losses reported but no proofs received 1,529,946.86
Policy claims resisted by the company 138,800.00
Due and unpaid on annuities and installment policies 54,036.61
Total policy claims 2, 205,225.47
1903.] Document No. 10. 13
Unpaid dividends, etc., due policy-holders $ 346, 195.01
Under debenture bonds 67,958.00
Liabilities on policy-holders' account $238,460,893.48
Surplus 65,612,986.87
Total liabilities $304,073,880.35
EXHIBIT OF POLICIES.
Policies and additions in force December 31, 1899
Written during 1900
Revived during 1900
Totals
Policies terminated — No. Policies. Amount.
By death 4,446 815,305,819.00
By maturity 406 2,019,434.00
By expiry 759 2,962,010.00
By surrender 6,340 22,379,328.00
By lapse 18,606 55,180,672.00
By change and decrease 703,642.00
By not being taken 11,308 46,076,713.00
No. Policies.
Amount.
347,607
81,054,416,422.00
66,633
202,693,601.00
1,302
4,392,642.00
415,542
81,261,502,665.00
Total policies terminated during 1900 41,865 144,627,618.00
Policies in force December 31,1900 373,677 $ 1,116,875,047.00
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Policies in force December 31, 1899
Written during 1900
Terminated during 1900
In force December 31, 1900
Losses unpaid December 31, 1900
Losses incurred during 1900
Losses paid during 1900
Premiums collected during 1900__.
No. Policies.
Amount.
3,234 8
6,741,005.00
803
1,661,243.00
397
934,457.00
3,640
7,467,791.00
3
2,100.00
40
101,562.00
36
63,173.00
225,589.60
EQUITY LIFE ASSOCIATION OF VIRGINIA.
Located at Staunton, Va. Incorporated 1888. Commenced Business 1888.
P. H. Trout, President. E. M. Funkhouser, Secretary.
Cash capital, $6, 000.
Amount of net or ledger assets December 31, 1899 $115, 002. 71
INCOME.
Premiums on new policies 8 9,665.08
Renewal premiums 35,074.94
Dividends applied to pay running premiums 1,638.45
14 Document No. 10. [Session
Surrender values applied to purchase paid-up insur-
ance 7 ® 657 - 30
Received for annuities 1,280.13
Total premium income $ 48,319.90
Rents 833 - 32
Interest on mortgage loans 637.18
Interest on collateral loans and premium notes 276.37
Interest and dividends on stocks and bonds 280.00
Total income $_ 50, 342. 77
Aggregate last balance and income $ 165, 345.48
DISBURSEMENTS.
Paid for losses and additions $ 14,022.50
Installment death claims 200.00
Net amount paid for losses and matured endowments $ 14,222.50
Premium notes voided by lapse 2,673.87
Dividends applied to pay running premiums 1,638.45
Surrender values applied to pay running premiums 657.30
Surrender values paid in cash 1,708.78
Surrender values applied to purchase paid-up insurance 1,280.13
Total paid policy-holders $ 22,181.03
Commissions and bonuses paid to agents— new policies, $6,035.41;
renewals, $2,205.91 8,241.22
Salaries and allowances for agencies 4,455.25
Salaries of officers and home office employees 4,000.00
Medical examiners' fees and inspections 918.50
Taxes on premiums, reserves, municipal and State licenses 447.93
Taxes on real estate and investments 207.08
Insurance Department fees and agents' licenses 522.00
Rents * e00 - 00
Advertising, printing, stationery and postage 842.00
Legal expenses 322.30
All other expenses 1,0 71.43
Total disbursements 43, 808. 74
Balance $ 121, 536. 74
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate $ 5,388.32
Loans on mortgages 14,124.39
Loans to policy-holders on this company's policies 787.67
Premium notes on policies in force 8,668.57
Book value of stocks and bonds 62,000.00
Cash in company's office.- 373.93
Cash in bank 7,410.39
Bills receivable 22,783.47
Total net ledger assets $ 121. 536. 74
OTHER ASSETS.
Interest and rents due and accrued 1,053. 12
Renewals.
Gross deferred premiums in force December 31, 1900 $ 8,774.58
Total S 8,774.58
Deduct cost of collection of same 877.46
$ 7,897.12
1903.] Document No. 10. 15
Net amount of uncollected and deferred premiums $ 7, 897. 12
Total assets $ 130,486.98
Deduct non-admitted assets-
Premium notes or loans and net premiums in excess of re-
serve on policies 8 1,754.92
Agents' debit balances unsecured 6,943.88
Bills receivable unsecured 7,200.00
Total deductions 15, 898. 80
Total admitted assets $ 114, 588. 18
LIABILITIES.
71,169.12
Net present value of all policies in force December 31, 1900, com-
puted according to the Actuaries' Table of Mortality, with 4
per cent, interest 8
Net reserve ' $ 71,169. 12
Present value of undue installment policies 1, 647. 33
Death losses in process of adjustment or adjusted and not due $ 2,000.00
Death losses reported but no proofs received 6,000.00
Policy claims resisted by the company 2,000.00
Total policy claims 10, 000. 00
Liabilities on policy-holders' account $ 82,816.45
Capital stock paid up 6 * 0Q0 - Q0
Total liabilities — $ 88,816.45
EXHIBIT OF POLICIES.
No. Policies. Amount.
Policies and additions in force December 31, 1899 1,565 S 2,260,739.00
Written during 1900____- 374 564,500.00
Revived during 1900 107 193,000.00
Totals 2,046 « 3,017,239.00
Policies terminated— No. Policies. Amount.
By death - 15 8 24,000.00
By surrender 29 66,500.00
By lapse.. 242 447,500.00
By change and decrease 22 46,017.00
By not being taken 19 49,000.00
Total policies terminated during 1900.
327 633,017.00
Policies in force December 31, 1900 M 19 8 7,385,222.00
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
No. Policies. Amount.
Policies in force December 31, 1899 604 $ 843,500.00
Written during 1900 157 190,000.00
Terminated during 1900 122 167,000.00
In force December 31, 1900 639 866,500.00
Losses unpaid December 31, 1899 X A 500 - 00
Losses incurred during 1900 5 6,000.00
Losses paid during 1900 3 2,500.00
Premiums collected during 1900 15,188.00
Number of agents working in State for company during year, 6.
16 Document No. 10. [Session
FIDELITY MUTUAL LIFE INSURANCE COMPANY OF
PENNSYLVANIA.
Located at Philadelphia, Pa. Incorporated 1878. Commenced Business 1879.
L. G. Fouse, President. W. S. Campbell, Secretary.
Amount of net or ledger assets December 31, 1899 $2, 603, 874. 78
INCOME.
Premiums on new policies $ 439,062.46
Renewal premiums 1,707,178.16
Dividends applied to pay running premiums 21,739.50
Surrender values applied to pay running expenses.. 484.54
Received for annuities 500.65
Total premium income. $ 2,168,965.31
Rents 70,317.03
Interest on mortgage loans 12,963.90
Interest on collateral loans and premium notes 21,191.46
Interest and dividends on stocks and bonds 25,599.55
Interest on other debts due the company 7,019.39
Interest on deferred premiums 16,007.99
Profit on sales of real estate and securities 11,023.19
From all other sources 74.10
Total income 2,333,161.92
Aggregate last balance and income $ 4, 937, 036. 70
DISBURSEMENTS.
Paid for losses and additions $ 928,009. 11
Installment death claims 6,948.36
Net amount paid for losses and matured endowments $ 934,957.47
Cash dividends paid policy-holders 17,652.81
Dividends applied to pay running premiums 21,739.50
Surrender values paid in cash 65,433.63
Surrender values applied to pay running premiums 484.54
Total paid policy-holders $ 1,040,267.95
Commissions and bonuses paid to agents— new policies, $227, 154.25;
renewals, $83,687.28; annuities, $252.25 311,093.78
Salaries and allowances for agencies 82,578.78
Salaries of officers and home-office employees 125,888.^3
Medical examiners' fees and inspections 52,568.88
Taxes on premiums, reserves, municipal and State licenses 21,996.07
Taxes on real estate and investments 15,392.14
Insurance Department fees and agents' licenses 22,490.85
Repairs and expenses on real estate 16,188.45
Rents 47,069.11
Advertising, printing, stationery and postage 54,300.45
Legal expenses 15,090.46
All other expenses 58,547.47
Total disbursements 1, 863,473. 22
Balance $ 3,073,563.48
1903.] Document No. 10. 17
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate $ 1,198,027.35
Loans on mortgages 229,450.35
Loans on collaterals 23,986.57
Loans to policy-holders on this company's policies 210,959.08
Premium notes on policies in force 93,839.31
Book value of stocks and bonds 891,486.60
Cash in company's office 139.(57
Cash in bank 165,809.05
Bills receivable 12,949.00
Agents' debit balances 236,014.82
Due from other companies 11,009.20
Due from suspended banks 390.50
Total $ 3,074,061.50
Deduct ledger liabilities —
All other $ 498.02
498. 02
Total net ledger assets $ 3,073,563.48
OTHER ASSETS.
Interest and rents due and accrued 20, 008. 49
Market value of real estate over book value 98,038.73
Market value of bonds and stocks over book value
New
Business. Renewals.
Gross premiums due and unreported on policies in
force December 31, 1900 $ 95,225.79 $ 39,850.52
Gross deferred premiums on policies in force Decem-
ber 31, 1900 64,308.89 308,183.65
Totals $ 159,534.68 $ 348,034.17
Deduct cost of collection of same 72,252.34 26,102.56
$ 87,282.34 S 321,931.01
Net amount of uncollected and deferred premiums 409, 213. 95
Total assets $ 3,628,193.45
Deduct non-admitted assets —
Premium notes or loans and net premiums in excess of re-
serve on policies-.,, $ 19,985.14
Suspended banks 390.50
Commissions payable to agents on premium notes when paid 15,271.03
Agents' debit balances unsecured 184,13s. 72
Bills receivable unsecured 12,949.00
Total deductions 232,734.39
Total admitted assets _ $ 3,395,459.06
LIABILITIES.
Net present value of all policies in force December 31, 1900, com-
puted according to Actuaries' Table of Mortality, with 4 per
cent, interest $ 2,512,048.00
Deduct net value of risks re-insured 2,229.00
Net reserve $ 2,509,819.00
Present value of undue installment policies 23, 256. 62
2
18
Document No. 10.
[Session
Death losses due and unpaid .—
Death losses in process of adjustment or adjusted and not due.
Death losses reported but no proofs received
Policy claims resisted by the company
5,000.00
108,935.00
50,000.00
33,(100.00
Total policy claims $ 196,935.00
Unpaid dividends, etc., due policy-holders 194.51
Due and accrued for salaries, rents, etc 33,400.95
Premiums paid in advance 2, 870. 70
Surrender values claimable 6,661.00
Liabilities on policy-holders' account 1 2, 773, 137. 78
Surplus 622,321.28
Total liabilities $ 3,395,459.06
EXHIBIT OF POLICIES.
Policies and additions in force December 31, 1899-
Written during 1900
Revived during 1900
Changed and increased during 1900
Totals
Policies terminated —
By death
By expiry
By surrender
By lapse
By change and decrease
By not being taken
Total policies terminated during 1900
Policies in force December 31, 1900
No. Policies.
Amount.
35,226
8
77,182,941.00
8,940
19,086,146.00
Tl
202,305.00
763
1,886,928.00
45,oiil
%
98,358,320.00
No. Policies. Amoitnt.
396 $ 1,001,898.00
126
145
4,572
777
1,192
243,000.00
324,081.00
9,098,210.00
2,352,096.00
2,619,850.00
7,208
16,239,135.00
37,793 $ 82,119,185.00
GAIN AND LOSS EXHIBIT DURING THE YEAR.
(Upon basis of Actuaries' Mortality and 4 per cent, interest).
Surplus at beginning of the year $
Loading earned on premiums of insurance and annuity
Interest, rents, etc., earned $
Profit and loss items
159,545.05
14,686.16
Cost of insurance
Reserves released by surrender and lapse, of which $22, 170. 51 was
from policies upon which three years' premiums had not been
paid
Total credits -$
680, 923. 36
859, 298. 76
144, 858. 89
956, 075. 48
98, 660. 51
2, 739, 817. 00
Insurance expenses incurred..
Investment expenses incurred.
837,043.37
34,772.98
Interest required to maintain reserve
Annuity payments incurred, $936,363.86
.$ 936,363.86
871,816.35
100, 489. 59
936, 363. 86
1903.] Document No. 10. 19
Surrender and lapse values allowed $ 92, 928. 32
Dividends to policy-holders 115, 897. 60
Guarantee fund and surplus at end of year 622,321.28
Total debits - $ 2,739,817.00
, BUSINESS IN NORTH CAROLINA DURING THE YEAR.
No. Policies. Amount.
Policies in force December 31, 1899 780 $ 1,357,306.50
Written during 1900 95 150,782.50
Terminated during 1900 105 172,001.00
In force December 31, 1900 770 1,336,088.00
Losses unpaid December 31, 1899 2 4,000.00
Losses incurred during 1900 13 23,800.12
Losses paid during 1900 14 27,800.12
Premiums collected during 1900 26,800.12
Number of agents working in State for company during year, 12.
HARTFORD LIFE INSURANCE COMPANY OF
CONNECTICUT.
Located at Hartford, Conn. Incorporated 1866. Commenced Business 1866.
George E. Keeney, President. Charles H. Bacall, Secretary.
Cash capital $500, 000.
Amount of net or ledger assets December 31, 1899 $ 2,968, 271. 00
INCOME.
Premiums on new policies ,. 3 309,437.20
Renewal premiums 1,890,608.62
Dividends applied to pay running premiums \__ 414.04
Total premium income . $ 2,200,459. SG
Rents 13,519.09
Interest on mortgage loans 11,934.73
Interest on collateral loans and premium notes 4,914.21
Interest and dividends on stocks and bonds i 21,969.31
Interest on other debts due the company 50,238.49
Interest on deferred premiums 1,710.60
Profit on sales of real estate and securities 421.45
From all other sources 39,037.59
Total income 2, 344, 205. 33
Aggregate last balance and income $ 5, 312, 476. 33
DISBURSEMENTS.
Paid for losses and additions '.$ 1,659,649.88
Deduct re-insurance 7,043.00
Net amount paid for losses and matured endowments $ 1,652,606.88
20 Document No. 10. [Session
Advanced payments used $ 6,548.49
Cash dividends paid policy-holders 9,010.67
Dividends applied to pay running premiums 50,468.12
Surrender values paid in cash 3,135.00
Total paid policy-holders $ 1,721,769.16
Interest or dividends to stockholders 30,000.00
Paid stockholders dividends from stockholders' surplus and re-
paid by them to increase capital stock 250,000.00
Commissions and bonuses paid to agents — new policies, $216, 570. 97 ;
renewals, $37,365.12 253,936.09
Salaries and allowances for agencies 66,633.70
Salaries of offi?ers and home-office employees 82,433.85
Medical examiners' fees and inspections , 37,272.87
Taxes on premiums, reserves, municipal and State licenses 29,426.85
Taxes on real estate and investments 3,681.00
Insurance Department fees and agents' licenses 5,119.50
Repairs and expenses on real estate 1,491.56
Rents 14,233.55
Advertising, printing, stationery and postage 33,272.45
Legal expenses 23,109.29
All other expenses 6,044.51
Total disbursements $ 2,558,424.38
Balance $ 2, 754,051.95
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate $ 261,101.93
Loans on mortgages 298,320.00
Loans on collaterals 700.00
Loans to policy-holders on this company's policies 53,931.00
Premium notes on policies in force 50,173.93
Book value of stocks and bonds 471,941.67
Cash in company's office ' 8,778.49
Cash in bank 414,575.79
Bills receivable 1,000.00
Safety funds in Security Company of Hartford, Conn 1,194,429.14
Total $ 2,755,051.95
Deduct ledger liabilities —
Agents' credit balances $ 1,000.00
1,000.00
Total net ledger assets $ 2, 754, 051. 95
OTHER ASSETS.
Interest and rents due and accrued 16, 120. 50
Market value of real estate over book value 10, 903. 07
Market value of bonds and stocks over book value 15, 936. 26
New
Business. Renewals.
Gross premiums due and unreported on policies in
force December 31, 1900 $ $ 19, 074. OS
Gross deferred premiums on policies in force Decem-
ber 31, 1900 74,807.47 15,862.73
Totals . $ 74,807.47 $ 34,936.81
Deduct cost of collection of same . 44,884.48 2,096.21
$ 29,922.99 $ 32,840.60
1903.] Document No. 10. . 21
Net amount of uncollected and deferred premiums $ 62, 763. 59
Premiums in course of collection in Safety Fund Department 349, 000. 00
Total assets $ 3,208,775.37
Deduct non-admitted assets —
Premium notes in excess of reserve $ 247.00
Depreciation in safety funds 81,960.00
Bills receivable unsecured 1,000.00
Total deductions 83,207.00
Total admitted assets $ 3, 125, 568.37
LIABILITIES.
Net present value of all policies in force December 31, 1900, com-
puted according to the Actuaries' Table of Mortality, with 4
per cent, interest 1 $ 358,031.00
Deduct net value of risks re insured 3,G54.00
Net reserve $ 354,377.00
Death losses in process of adjustment or adjusted and not due $ 393,750.00
Death losses reported but no proofs received 22,900.00
Policy claims resisted by the company 12,000.00
Total policy claims 428,650.00
Unpaid dividends, etc., due policy-holders 2,255.65
Due and accrued for salaries, rents, etc 2,861.50
Premiums paid in advance 2,953.01
Net safety fund in Security Company 1, 112, 569. 14
For mortuary bonds 111,495.36
Reserve safety fund policies 230,220.00
Liabilities on policy-holders' account $ 2, 245, 381. 66.
Surplus 380,186.71
Capital stock paid up 500, 000. 00
Total liabilities $ 3, 125, 568. 37
EXHIBIT OF POLICIES.
No. Policies. Amount.
Policies and additions iu force December 31, 1899 1 39,637 $ 78,943,230.00
Written during 1900 7,865 11,717,951.00
Revived during 1900 21 46,800.00
Totals 47,523 $ 90,707,981.00
Policies terminated— No. Policies. Amount.
By death 096 $ 1,718,974.00
By expiry 1 1,000.00
By surrender 8 4,929.00
By lapse 4,775 9,623,075.00
By change and decrease 840 1,165,900.00
Total policies terminated during 1900 6,320 12,523,878.00
Policies in force December 31, 1900 ' 41,203 « 78,184,103.00
Policies re-insured 49 229.00
GAIN AND LOSS EXHIBIT DURING THE YEAR.
{Upon basis of Actuaries' Mortality and 4 per cent, interest).
Surplus at beginning of the year $ 634, 135. 43
Loading earned on premiums of insurance and annuity 443, 384. 14
22 , Document No. 10. [Session
Interests, rents, etc., earned $ 64,353.51
Profit and loss items 58,077.39
$ 122, 430. 90
Cost of insurance 81,930.32
Reserves released by surrender and lapse, of which $11, 209. 00 was
from policies upon which three years' premiums had not been
paid 25,552.00
Total credits $ 1,307,432.89
Insurance expenses incurred $ 540,375.81
Investment expenses incurred 6,530.05
$ 546, 905. 86
Interest required to maintain reserve 13, 060. 76
Death losses incurred $ 102,335.85
Less re-insurance reserves and compromises on losses, and re-
serves released by death of annuitants 27,616.00
74, 719. 85
Surrender and lapse values allowed 3, 135. 00
Dividends to policy-holders 9,424. 71
Dividends to stockholders 280,000.00
Guarantee fund and surplus at end of year 380, 186. 71
Total debits $ 1,307,432.89
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
No. Policies. Amount.
Policies in force December 31, 1899 573 $ 1,427,000.00
Written during 1900 130 321,000.00
•Terminated during 1900 124 326,000.00
In force December 31, 1900 579 1,422,000.00
Losses unpaid December 31, 1899 2 5,000.00
Losses incurred during 1900 • 20 73,500.00
Losses paid during 1900 17 64,000.00
Premiums collected during 1900 42,281.48
Number of agents working in State for company during year, 17.
LIFE INSURANCE COMPANY OF VIRGINIA.
Located at Richmond, Va. Incorporated 1871. Commenced business 1871.
J. G. Walker, President. Jas. W. Pegram, Secretary.
Cash capital, $100, 000.
Amount of net or ledger assets December 31, 1899 $ 849, 809. 19
INCOME.
Premiums on new policies— $ 1,078,090.29
Dividends applied to pay running premiums 7,331.56
Surrender values applied to pay running premiums. 1,850.17
Total premium income S 1,087,272.02
1903.]
Document No. 10.
23
Rents
Interest on mortgage loans
Interest on collateral leans and premium notes.
Interest and dividends on stocks and bonds
Profit on sales of real estate and securities
From all other sources
2,988.50
32,222.35
4,774.08
3,752.90
8,041.81
15.48
Total income
Aggregate last balance and income
DISBURSEMENTS.
Paid for losses and additions $ 384,405.66
Deduct amount from other companies 5,000.00
Net amount paid for losses and matured endowments J
Cash dividends paid policy-holders
Dividends applied to pay running premiums
Surrender values paid in cash
Surrender values applied to purchase paid-up insurance
Total paid policy-holders $ 473,940.64
-$ 8,139,067.14
-$ 1,988,876.33
Interest or dividends to stockholders
Commissions and bonuses paid to agents
Salaries and allowances for agencies
Salaries of officers and home-office employees
Medical examiners' fees and inspections
Taxes on premiums, reserves, municipal and State licenses.
Taxes on real estate and investments
Insurance Department fees and agents' licenses
Repairs and expenses on real estate
Rents
Advertising, printing, stationery and postage
Legal expenses
All other expenses
379,405.66
12,492.81
7,331.56
72,860.44
1,850.17
12,000.00
331,112.66
111,530.19
67,558.45
28,212.04
24,683.15
682.31
144.31
1,042.97
9,023.08
15,812.98
5,339.92
17,316.17
Total disbursements 1,01)8,998. 87
Balance $
889, 877. 46
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate
Loans on mortgages
Loans on collaterals
Loans to policy-holders on this company's policies
Book value of stocks and bonds
Cash in company's office
Cash in bank
Bills receivable
56,897.40
513,885.93
47,913.29
84,380.50
82,201.16
3,831.01
91,112.51
10,274.47
Total
Deduct ledger liabilities —
All other
-$ 890, 556. 96
679.50
679. 50
Total net ledger assets $ 889,877.46
OTHER ASSETS.
Interest and rents due and accrued
Market value of bonds and stocks over book value -
17, 464. 31
18, 439. 87
24 Document No. 10. [Session
New
Business. Renewals.
Gross premiums due and unreported on policies in
force December 31, 1900 $ $ 1,923.35
Gross deferred premiums on policies in force De-
cember 31, 1900 3,030.00 99,135.65
Totals $ 3,630.00 $ 101,059.00
Deduct cost of collection of same 1,815.00 14,966.00
1,815.00 $ 80,093.00
Net amount of deferred and uncollected premiums $ 87, 908. 00
Total assets $ 1, 013, 689. 64
Deduct non-admitted assets —
Bills receivable unsecured $ 659.52
Total deductions 659. 52
Total admitted assets $ 1,013,030. 12
LIABILITIES.
Net present value of all policies in force December 31, 1900, com-
puted according to the Actuaries' Table of Mortality, with 4
per cent, interest $ 704,909.00
Deduct net value of risks reinsured 177.00
Net reserve $ 704, 732. 00
Matured endowments due and unpaid $ 6,355.00
Total policy claims 6,355. 00
Premiums paid in advance 12. 72
Special reserve 65, 000. 00
All other 2,199.00
Liabilities on policy-holders' account $ 778, 298. 72
Surplus 134,731.40
Capital stock paid up . 100,000.00
Total liabilities $ 1,013,030. 12
EXHIBIT OF POLICIES.
Policies and additions in force December 31, 1899
Written during 1900
Revived during 1900
No. Policies.
Amount.
222,564
s
22,556,471.00
90,919
9,261.996.00
3,042
294,855.00
Totals 316,525 $ 32,113,322.00
Total policies terminated during 1900 76,284 6,543,320.00
Policies in force December 31, 1900 240,241 $ 25,570,602.00
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
No. Policies. Amount.
Policies in force December 31, 1899 36,997 $ 4,051,315.00
Written during 1900 23,473 2,391,807.00
Terminated during 1900 17,061 1,549,839.00
In force December 31, 1900 43,409 4,893,285.00
Losses unpaid December 31, 1899 4 3,689.00
Losses incurred during 1900 727 71,195.00
Losses paid during 1900 730 74,529.00
Premiums collected during 1900 169,732.00
Number of agents working in State for company during year, 145.
1903.]
Document No. 10.
25
MARYLAND LIFE INSURANCE COMPANY.
Located at Baltimore, Md. Incorporated 1864. Commenced Business 1865.
War. H. Blackford, President. Jxo. W. Hanson, Secretary.
Cash capital, $100, 000.
Amount of net or ledger assets December 31, 1899 --
.$ 1,906,292.39
INCOME.
Premiums on new policies $ 32,252.31
Renewal premiums 183,008.18
Dividends applied to pay running premiums 11,617.42
Dividends applied to purchase paid-up insurance — 1,243.84
Surrender values applied to pay running premiums. 206.87
Received for annuities 3,883.29
Total premium income.
Rents
Interest on mortgage loans
Interest on collateral loans and premium notes.
Interest and dividends on stocks and bonds
Interest on other debts due the company
Profit on sales of real estate and securties
From all other sources
232,211.91
10,129.35
15,301.25
6,208.15
59,522.58
328.28
1,042.76
2,443.49
Total income
327, 187. 77
Aggregate last balance and income $ 2, 233, 480. 16
DISBURSEMENTS.
Paid for losses and additions $ 128,335.18
Paid for matured endowments and additions 11,353.35
Net amount paid for losses and matured endowments $
Paid to annuitants 1
Cash dividends paid policy-holders
Dividends applied to pay running premiums
Dividends applied to purchase paid-up insurance
Surrender values paid in cash
All other
Total paid policy-holders $ 171,288.10
Interest or dividends to stock-holders
Commissions and botfuses paid to agents — new policies, $18,052.30;
renewals, $9,532.62; annuities, $116.50
Salaries and allowances for agencies
Salaries of officers and home office employees
Medical examiners' fees and inspections
Taxes on premiums, reserves, municipal and State licenses
Taxes on real estate and investments
Insurance Department fees and agents' licenses
Rents
Advertising, printing, stationery and postage
139,688.53
781.91
699.44
11,617.42
1,243.84
16,501.65
755.31
6,000.00
27,71)1.42
7,126.47
21.S91.32
3,511.00
3,654.43
2,296.01
488.88
110.01
4,880.87
26 Document No. 10. [Session
Legal expenses $ 1,651.52
All other expenses 7,284.74
Total disbursements $ 257, 887. 77
Balance $ 1,975,592.39
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate $ 209,102.50
Loans on mortgages 235,640.00
Loans on collaterals 21,500.00
Loans to policy-holders on this company's policies 82,136.00
Premium notes on policies in force 17,718.81
Book value of stocks and bonds 1,337,028.62
Cash in company's office 2,659.27
Cash in bank 51,116.58
Agents' debit balances 2,862.00
All other 16,878.78
Total $ 1,976,642.56
Deduct ledger liabilities —
Agents' credit balances $ 964.25
All other S5.92
1,050.17
Total net ledger assets $ 1, 975, 592. 39
OTHER ASSETS.
Interest and rents due and accrued 12, 727. 81
Market value of bonds and stocks over book value 96, 412. 56
New
Business. Renewals.
Gross premiums due and unreported on policies in
force December 31, 1900 $ 17,674.14 $
Gross deferred premiums on policies in force Decem-
ber 31, 1900 21,034.14
Total L $ 38,708.28 $_
Deduct cost of collection of same 7,741.66 __
$ 30,966.62 $_
Net amount of uncollected and deferred premiums 30, 966. 62
Total assets $ 2,115,699.38
Deduct non-admitted assets-
Furniture, fixtures and supplies 8 657.77
Depreciation real estate 5,452.50
Agents' debit balances unsecured 2,862.00
All other 12,699.14
Total deductions - 21, 671. 41
Total admitted assets $ 2,094,027.97
LIABILITIES.
Net present value of all policies in force December 31, 1900, com-
puted according to the Actuaries' Table of Mortality, with 4
per cent, interest $ 1,786,568.00
Deduct net value of risks reinsured 32,417.00
Net reserve ---I 1,754,151.00
1903.] Document No. 10. 27
Matured endowments due and unpaid, unclaimed $ 219.66
Death losses due and unpaid, unclaimed 2,239.89
Death losses in process of adjustment or adjusted and not due 8,553.52
Death losses reported but no proofs received 5,582.94
Death losses awaiting receipts 4,274.55
Total policy claims $ 20,870.26
Unpaid dividends, etc., due policy-holders 4, 709. 06
Premiums paid in advance 675. 32
All other 1,050. 17
Liabilities on policy-holders' account § 1,781,455.81
Surplus 212,572.16
Capital stock paid up 100,000.00
Total liabilities $ 2,094,027.97
EXHIBIT OF POLICIES.
No. Policies. Amount.
Policies and additions in force December 31, 1899 3,704 $ 7,225,175.00
Written during 1900 591 1,059,353.00
Revived during 1900 7 12,000.00
Totals 4,302 $ 8,296,528.00
Policies terminated — No. Policies. Amount.
By death 53 S 110,954.00
By maturity 4 11,353.00
By expiry 1 8,645.00
By surrender 36 84,497.00
By lapse 263 476,705.00
By change and decrease 5 8,135.00
By not being taken 50 • 68,200.00
Total policies terminated during 1900 412 768,489.00
Policies in force December 31, 1900 3,890 S 7,528,039,00
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Policies in force December 31, 1899
Written during 1900
Terminated during 1900
In force December 31, 1900
Losses unpaid December 31, 1899
Losses incurred during 1900
Losses paid during 1900-^
Premiums collected during 1900
No. Policies.
Amount.
195 !
£ 290,725.00
91
135,900.00
62
88,600.00
224
338,025.00
1
1,000.00
4
5,000.00
5
6,000.00
in. 460.90
Number of agents working in State for company during year, 23.
28 Document No. 10. [Session
MICHIGAN MUTUAL LIFE INSURANCE COMPANY.
Located at Detroit, Mich. Incorporated 1867. Commenced Business 1867.
O. R. Looker, President. A. F. Moore, Secretary.
Cash capital, $250,000.
Amount of net or ledger assets December 31, 1899 $ 6, 066. 924. 11
INCOME.
Premiums on new policies $ 200,720.79
Renewal premiums 931,459.41
Dividends applied to pay running premiums 21,634.65
Dividends applied to purchase paid-up insurance 12,272.46
Surrender values applied to pay running premiums. 6,084.26
Total premium income $ 1,178,171.57
Rents . r 21,323.36
Interest on mortgage loans 295,120.80
Interest on collateral loans and premium notes 42,335.84
Interest and dividends on stocks and bonds 2,766.00
Interest on other debts due the company 5,483.00
Profit on sales of real estate and securities 3,569.26
From all other sources 8,371.68
Total income 1,557,041.57
Aggregate last balance and income $ 7, 623,965. 68
DISBURSEMENTS.
Paid for losses and additions, etc $ 448,850.93
Paid for matured endowments and additions 10,000.00
Net amount paid for losses and matured endowments $ 438,850.93
Cash dividends paid policy-holders 6,075.43
Dividends applied to pay running premiums 21,634.65
Dividends applied to purchase paid-up insurance 12,272.46
Surrender values paid in cash 101,617.13
Surrender values applied to purchase paid-up insurance 6,084.26
All other 27,292.14
Total paid policy-holders $ 619,644.75
Interest or dividends to stockholders 25,000.00
Commissions and bonuses paid to agents— new policies, $145,036.67;
renewals, $58,602.02 203,638.69
Salaries and allowances for agencies 35,922.89
Salaries of officers and home-office employees 45,762.71
Medical examiners' fees and inspections 11,880.41,
Taxes on premiums, reserves, municipal and State licenses 18,011.98
Taxes on real estate and investments 8,458.45
Insurance Department fees and agents' licenses 1,147.80
Repairs and expenses on real estate 10,192.59
Rents 12,397.67
Advertising, printing, stationery and postage 25,558.90
1903.] Document No. 10. 29
Legal expenses $ 17,094.69
All other expenses 19,380.51
Total disbursements $ 1,054,092.04
Balance $ 6,569,873.64
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate S 415,167.26
Loans on mortgages , 5,042,390.09
Loans on collaterals 33,000.00
Loans to policy-holders on this company's policies 600,281.82
Premium notes on policies in force .. '.i4, 120.14
Book value of stocks and bonds « 158,391.00
Cash in company's office 10,623.03
Cash in bank 212,997.42
Agents' debit balances 2,930.92
Total $ 6,570,201.68
Deduct ledger liabilities —
Agents' credit balances $> 328.04
328. 04
Total net ledger assets •- $ 6, 569, 873. 64
OTHER ASSETS.
Interest and rents due and accrued 120,423.48
Market value of real estate over book value 10, 541. 51
Market value of bonds and stocks over book value _. 7, 109. 00
New
Business. Renewals.
Gross premiums due and unreported on policies in
force December 31, 1900 3 28,262.63 $ 24,103.37
Gross deferred premiums on policies in force Decem-
ber 31,1900 34,466.53 40,203.77
Total* $ 62,729.16 $ 64,3117.14
Deduct cost of collection of same 37,637.50 3,858.43
8 25,091.66 $ 60, 4 is. 71
Net amount of uncollected and deferred premiums 85, 540. 37
Total assets $ 6,793,488.00
Deduct non-admitted assets —
Premium notes or loans and net premiums in excess of reserve, $ 1,909.48
Total deductions 1, 909. 48
Total admitted assets $ 6,791,578.52
LIABILITIES.
Net present value of all policies in force December 31, 1900, com-
puted according to the Actuaries' Table of Mortality, with 4
per cent, interest $ 6,377,442.03
Deduct net value of risks re- insured 26,282.00
Net reserve $ 6,351,160.03
Present value of undue installment policies 6, 758. 41
Unpaid dividends, etc., clue policy-holders 559. 45
30 Document No. 10. [Session
Due and accrued for salaries, rents, etc $ 5, 820. 27
Premiums paid in advance 12, 411. 47
Deposit account 1, 500. 00
Liabilities on policy-holders' account $ 6,378,209.63
Surplus 163,368.89
Capital stock paid up 250,000.00
Total liabilities $ 6,791,578.52
EXHIBIT OF POLICIES.
No. Policies. Amount.
Policies and additions in force December 31, 1899 18,168 $ 31,509,641.30
Written, revived, changed and increased daring 1900 7,901 9,041,454.16
Totals 26,069 $ 40,611,095.46
Total policies terminated during 1900 4,333 6,234,565.97
Policies in force December 31, 1900 21,736 $ 34,376,529.49
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
No. Policies. Amount.
Policies in force December 31, 1899 57 $ 105,532.43
Written during 1900 106 141,612.85
Terminated during 1900 1 21 48,507.76
In force December 31, 1900 142 198,637.43
Premiums collected during 1900 5,865.89
Number of agents working in State for company during year, 9.
MUTUAL LIFE INSURANCE COMPANY OF KENTUCKY.
Located at Louisville, Ky. Incorporated 1866. Commenced Business 1866.
George W. Morris, President. David Meriwether, Secretary.
Cash capital, $100, 000.
Amount of net or ledger assets December 31, 1899 $2, 712, 988.49
INCOME.
Premiums on new policies $ 79,246.00
Renewal premiums 423,017.99
Dividends applied to pay running premiums 4,984.24
Dividends applied to purchase paid-up insurance 2:17. 84
Surrender values applied to pay running premiums _ 136.49
Total premium income $ 554,118.56
Bents 21,101.98
Interest on mortgage loans 129,105.57
Interest on collateral loans and premium notes 24,360.44
1903.]
Document No. 10.
31
Interest and dividends on stocks and bonds § 37,945.25
Interest on other debts due the company 3,218.76
Profit on sales of real estate and securities 8,994.98
From all other sources 682.00
Total income
Aggregate last balance and incotne-
-$ 779,527.54
-$ 3, 492, 516. 03
DISBURSEMENTS.
Paid for losses and additions $ 203,566.00
Paid for matured endowments and additions 22,747.43
Net amount paid for losses and matured endowments §
Cash dividends paid to policy-holders
Dividends applied to pay running premiums
Dividends applied to purchase paid-up insurance
Surrender values paid in cash
Surrender values applied to purchase paid-up insurance
All other
Total paid policy-holders 8 380,612.55
Commissions and bonuses paid to agents — new policies, $51,758.38;
renewals, $19,494.36 .
Salaries and allowances for agencies
Salaries of officers and home-office employees
Medical examiners' fees and inspections
Taxes on premiums, reserves, municipal and State licenses
Taxes on real estate and investments
Insurance Department fees and agents' licenses
Repairs and expenses on real estate
Rents
Advertising, printing, stationery and postage
Legal expenses
All other expenses
226,313.43
4,864.83
4,984.24
297.84
86,462.39
46,436.00
11,253.82
71,252.74
11,626.14
27,970.04
12,126.00
7,330.44
10,432.42
3,982.21
9,536.47
3,941.25
14,875.81
7,496.90
43,800.53
Total disbursements -
604,983.50
Balance $ 2, 887, 53*753
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate $ 412 727.85
Loans on mortgages 1,120,965. 15
Loans on collaterals 74 573,15
Loans to policy-holders on this company's policies
Premium notes on policies in force
Book value of stocks and bonds
Cash in company's office
Cash in bank
Bills receivable
Agents' debit balances
289,272.87
52,829.47
873,920.90
4,400.31
45,272.59
1,400.00
L3,040.50
Total $ 2,888,402.88
Deduct ledger liabilities-
Agents' credit balances $ 870.35
870. 35
Total net ledger assets $ 2, 887, 532. 53
32 Document No. 10. [Session
OTHER ASSETS.
Interest and rents due and accrued $ 68,236. 19
Market value of real estate over book value 25, 054. 06
Market value of bonds and stocks over book value 15, 337. 26
New-
Business. Renewals.
Gross premiums due and unreported on policies in
force December 31, 1900 $ 10,712.86 $ 12,266.50
Gross deferred premiums on policies in force Decem-
ber 31, 1900 2,736.13 22,849.5:-!
Totals 3 13,448.99 $ 35,116.09
Deduct cost of collection of same 7,396.94 1,053.48
$ 6,052.05 $ 34,062.61
Net amount of uncollected and deferred premiums 40, 114. 66
Total assets $ 3,036,274.70
Deduct non-admitted assets —
Loans on renewals $ 1,400.00
Commissions payable to agents on premium notes when paid- 1,143.44
Agents' debit balances unsecured 8,017.03
All other 7,000.00
Total deductions 17, 560. 47
Total admitted assets $ 3, 018, 714. 23
LIABILITIES.
Net present value of all policies in force December 31, 1900, com-
puted according to the Actuaries' Table of Mortality, with 4
per cent, interest § 2,807,005.00
Deduct net value of risks re-insured 2,000.00
Net reserve $ 2,805,005.00
Death losses reported but no proofs received $ 16,000.00
Total policy claims 1 16, 000. 00
Due and accrued for salaries, rents, etc. 5,000.00
Premiums paid in advance 1, 200. 00
Liabilities on policy-holders' account „ | 2,827, 205. 00
Surplus 91,509.23
Capital stock paid up „ 100, 000. 00
Total liabilities $ 3,018, 714.23
EXHIBIT OF POLICIES.
No. Policies. Amount.
Policies and additions in force December 31,1899 9,761 $ 15,526,150.00
Written during 1900 1,357 1,989,516.00
Revived during 1900 317 245 599.00
Changed and increased during 1900 105 95,200.00
Totals 11,540 $ 17,856,465.00
Policies terminated— No. Policies. Amount.
By death 134 $ 219,566.00
By maturity 17 22,747.00
By expiry , 2 4,000.00
By surrender 303 457,584.00
1
1903.] Document No. 10. 33
By lapse 435 8 718,100.00
By change and decrease 105 225,919.00
By not being taken 71 163,000.00
Total policies terminated during 1900_ 1,067 S 1,810,916.00
Policies in force December 31, 1900 10,473. $ 16,045,549.00
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
No. Policies. Amount.
Policies in force December 31, 1899 378 8 448,655.00
Written during 1900 33 52,225.00
Terminated during 1900 26 51,729.00
In force December 31, 1900 385 449,151.00
Losses incurred during 1900 4 3,646.00
Losses paid during 1900 4 3,646.00
Premiums collected during 1900 12,208.10
THE MUTUAL LIFE INSURANCE COMPANY OF
NEW YORK.
Located at New York City. Incorporated 1842. Commenced Business 1843.
Richard A. McCurdy, President, William J. Easton, Secretary.
Amount of net or ledger assets December 31, 1899 $276, 684, 362. 86
INCOME.
Premiums on new policies $ 7,276,001.04
Renewal premiums 33,804,930.80
Dividends applied to purchase paid-up insurance — 1,427,751.26
Surrender values applied to purchase paid-up insur-
ance 1,356,935.33
Surrender values applied to pay renewal premiums _ 641,005.94
Received for annuities 2,704,547.01
Total premium income $ 47,211,171.38
Rents 1,062,277.51
Interest on mortgage loans 3,079,183.42
Interest on collateral loans and premium notes r,.so,750.39
Interest and dividends »n stocks and bonds 6,964,793.85
Interest on other debts due the company 258,906.06
Interest on deferred premiums 138,914.54
Profit on sales of real estate and securities 480,805.16
From all other sources 100,000.00
Total income 60,582,802.31
Aggregate last balance and income , $337, 267, 165. 17
34 Document No. 10. [Session
DISBURSEMENTS.
Paid for losses and additions $15,052,652.92
Paid for matured endowments and additions 3,821,639.58
Net amount paid for losses and matured endowments $ 18,874,292.50
Paid to annuitants 1,403,971.83
Cash dividends paid policy-holders 830,315.04
Dividends applied to purchase paid up insurance 1,427,751.26
Surrender values paid in cash 1,827,591.33
Surrender values applied to pay running premiums 641,005.94
Surrender values applied to purchase paid-up insurance 1.350,935.33
Total paid policy-holders $26,361,863.83
Commissions and bonuses paid to agents — new policies, $5,112,170.10;
renewals, $1,993,473.87; annuities, $123,734.28; single premi-
ums, $23,184.42 7,252,562.67
Salaries and allowances for agencies 1,330,873.82
Salaries of officers and home-office employees 709,529.90
Medical examiners' fees and inspections 559, 868. S6
Taxes on real estate and investments 382,445.42
Insurance Department fees, taxes on premiums and reserves and
agents' licenses 467,240.17
Repairs and expenses on real estate 468,141.84
Rents 175,000.00
Advertising, printing, stationery and postage 980,421.99
Legal expenses 304,756.85
All other expenses 453,908.16
Total disbursements $ 39, 446, 613. 51
Balance $297, 820, 551. 66
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate $ 23,575,840.73
Loans on mortgages 77,235,867.38
Loans on collaterals 12,170,000.00
Loans to policy-holders on this company's policies 8,629,709.43
Book value of stocks and bonds 162,575,496.34
Cash in company's office 9,212.52
Cash in bank 13,290,103.80
Agents' debit balances 400,391.71
Total $297,886,681.91
Deduct ledger liabilities —
Agents' credit balances . $ 33,905.05
Allother '. 32,225.20
66, 130. 25
Total net ledger assets-— $297,820,551.66
OTHER ASSETS.
Interest and rents due and accrued 2, 813, 261. 15
Market value of stocks and bonds over book value 20, 793, 128. 57
1903.] Document No. 10. 35
New
Business. Renewals.
Gross premiums due and unreported on policies in
force December 31, 1900 $ 52,849.08 12,788,106.53
Gross deferred premiums on policies in force Decem-
ber 31, 1900 205,342.05 2,147,291.90
Totals $ 258,191.73 14,935,398.43
Deduct cost of collection of same 180,734.21 286,253.11
77,457.52 $4, 049, 145. 32
Net amount of uncollected and deferred premiums $ 4, 726, 602. 84
Total assets $326,153,544.22
Deduct non-admitted assets —
Agents' debit balances unsecured $ 400,391.71
Total deductions 400,391.71
Total admitted assets $325,753,152.51
LIABILITIES.
Net present value of all policies in force December 31, 1900, com-
puted according to the Actuaries' Table of Mortality, with 4 per
cent, interest .. $200,512,075.00
Deduct net value of risks re-insured 9,809.00
Net reserve $266,502,266.00
Matured endowments due and unpaid 5 204, 032. 37
Death losses in process of adjustment or adjusted and not due 1,007,271.59
Death losses reported but no proofs received 57,903.00
Policy claims resisted by the company 50,811.00
Due and unpaid on annuities and installment polieie- 107,542.13
Total policy claims I 1,548, 160.09
Unpaid dividends, etc., due policy-holders 90, 182. 66
Due and accrued for salaries, rents, etc. 35,310.85
Premiums paid in advance 191, 891. 66
Under non-forfeiture clause of lapsed policies 353,227.00
For mortuary bonds 470, 092. 00
Guarantee fund 54,122,022.25
Liabilities on policy-holders' account $323, 313, 152. 51
Surplus 2,440,000.00
Total liabilities ' $325, 753, 152. 51
EXHIBIT OF POLICIES.
Policies and additions in force December 31, 1899
Written during 1900
Revived during 1900
Changed and increased during 1900
No. Policies.
Amount.
397,310
$ 1,051,247,540.00
74,525
172,758,621.00
1,308
3,089,238.00
48
158,171.00
Totals 473,221 $ 1,227,253,570.00
Policies terminated — No. Policies. Amount.
By death 4,904 $15,271,852.00
By maturity 1,130 3,832,322.00
By expiry 248 782,384.00
By surrender 2,837 6,465,105.00
36 Document No. 10. [Session
By lapse 24,627 $60,892,223.00
By change and decrease 35 69,155.00
Total policies terminated during 1900 33,781 $ 87,313,041.00
Policies in force December 31, 1900 439,440 $ 1,139,940,529.00
Policies re-insured 2,244,149.00
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
No. Policies. Amount.
Policies in force December 31, 1899 2,639 $ 8,205,315.00
Written during 1900 590 986,147.00
Terminated during 1900 237 406,265.00
In force December 31,1900 2,992 8,785,197.00
Losses incurred during 1900 34 73,795.75
Losses paid during 1900 34 73,795.15
Premiums collected during 1900 217,772.80
NEW YORK LIFE INSURANCE COMPANY.
Located at New York, N. Y. Incorporated 1841. Commenced Business 1845.
John A. McCall, President. Charles C. Whitney, Secretary.
Amount of net or ledger assets December 31, 1899 $223, 121, 943. 52
INCOME.
Premiums on new policies $ 11,658,382.60
Renewal premiums 36,828,322.18
Dividends applied to pay running premiums 395,509.28
Surrender values applied to pay running premi-
ums 12,788.04
Total premium income, less re-insurance $ 48,758,578.13
Rents 529,358. 66
Interest on mortgage loans 1,552,644.58
Interest on collateral loans and premium notes 991,909.27
Interest and dividends on stocks and bonds a_ 6,830,420.82
Interest on other debts due the company 202,792.59
Prom all other sources 48,814.74
Total income 58,914,518.79
Aggregate last balance and income $282, 036, 462. 31
DISBURSEMENTS.
Paid for losses and additions $ 12,561,479.85
Paid for matured endowments and additions 2,949,574.98
Net amount paid for losses and matured endowments, less re-
insurance $ 15,530,568. 47
Paid to annuitants 1,558,451.70
1903.] Document No. 10. 37
Cash dividends paid policy-holders $ 2,828,153.71
Reserve values paid 2,280,661.44
Installments paid 20,970.98
Surrender values paid in cash 1,124,231.86
Surrender values applied to pay running premiums 12,788.04
Total paid policy-holders S 23,355,826.20
Commissions and bonuses paid to agents— new policies, $5,399,144.71;
renewals, $1,187,377.05 6,586,521.76
Salaries and allowances for agencies 1,544,748.71
Salaries of officers and home-office employees 735,954.31
Medical examiners' fees and inspections 617,967.64
Taxes on premiums, reserves, municipal and State licenses 432,540.45
Rents 429,746.56
Advertising, printing, stationery and postage 702,766.11
All other expenses 7 20,291.20
Total disbursements $ 35, 126, 362. 94
Balance $246, 910, 099. 37
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate S 16,925,900.00
Loans on mortgages 34,798,942.34
Loans on collaterals 2,894,000.00
Loansjto policy-holders on this company's policies 14,382,768.65
Premium notes on policies in force 2,133,364.58
Book value of stocks and bonds 160,177,823.24
Cash in bank 14,070,177.02
Agents' debit balances 1,273,319.90
Suspense account 253,803.55
Tota i $246,910,099.37
OTHER ASSETS.
Interest and rents due and accrued 1, 680, 405. 23
Market value of bonds and stocks over book value 10, 177, 150. 17
New
Business. Renewals.
Gross premiums due and unreported on policies in
force December 31,1900 S S 2,505,409.00
Gross deferred premiums on policies in force Decem-
ber 31, 1900 - 426,711.00 2,554,204.00
Totals - $ 426,711.00 $ 5,059,613.00
Deduct cost of collection of same 277,362.90 252,981.00
S 159,349.00 $ 4,806,632.00
Net amount of uncollected and deferred premiums-- 4, 955, 981. 00
Total assets 1263,723,635.77
Deduct non-admitted assets —
Suspense account S 253,803.55
Agents' debit balances unsecured 1,273,319.99
Total deductions 1, 527, 123. 54
Total admitted assets §262, 196, 512. 23
38 Document No. 10. [Session
LIABILITIES.
Net present value of all policies in force December 31, 1900, com-
puted according to the Actuaries' Table of Mortality, with 4 per
cent, interest $213,247,839.00
Deduct net value of risks re-insured 215,637.00
Net reserve $213, 032, 202. 00
Matured endowments due and unpaid $ 200,993.14
Death losses due and unpaid 341,837.37
Death losses in process of adjustment or adjusted and not due 1,335,370.04
Policy claims resisted by the company 83,750.00
Due and unpaid on annuities and installment policies 118,710.63
Total policy claims 2,080,661.18
Unpaid dividends, etc., due policy-holders 181,411.36
Premiums paid in advance 457, 380. 64
Trust funds held by company 452, 605. 88
Additional policy reserve 4, 283, 077. 00
Surplus fund to provide for dividends 31, 385, 855. 11
All other 10,320,319.06
Total liabilities $262,196,512.23
EXHIBIT OF POLICIES.
No. Policies. Amount.
Policies and additions in force December 31, 1899 437,770 $1,001,871 ,"985. 00
Written during 1900 115,299 232,388,255.00
Revived during 1900 1,033 2,036,000.00
Changed and increased during 1900 359,370.00
Totals 554,108 $1,290,655,610.00
Policies terminated — No. Policies. Amount.
By death 4,077 $ 12,735,114.00
By maturity 1,013 2,948,191.00
By expiry 10,889 30,198,869.00
By surrender 4,500 13,022,857.00
By lapse 15,349 28,909,003.00
By change and decrease 6,084,920.00
Total policies terminated during 1900 42,508 94,498,945.00
Policies in force December 31, 1900 511,000 $1,202, 156, 665. oo
Policies re-insured 2,290,823.00
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Policies in force December 31, 1899
Written during 1900
Terminated during 1900
In force Deeember 31, 1900
Losses unpaid December 31, 1899 _.
Losses incurred during 1900
Losses paid during 19C0
Premiums collected during 1900.—
No. Policies.
Amount.
2,753 $ 0,114,313.00
473
936,130.00
199
409,699.00
3,027
0,040,744.00
2
5,340.00
35
88,553.08
34
68,093.68
227,440.72
1903.] Document No. 10. 39
PACIFIC MUTUAL LIFE INSURANCE COMPANY OF
CALIFORNIA.
Located at San Francisco, Cal. Incorporated 1867. Commenced Business 1868.
George A. Moore, President. S. M. Marks, Secretary.
Cash capital, $200,000.
Amount of net or ledger assets December 31, 1899 $ 3, 420, 234. 07
INCOME.
Premiums on new policies 5 277,218.83
Renewal premiums 979,634.94
Dividends applied to pay running premiums 38,7(14.11
Dividends applied to purchase paid-up insurance 46,808.31
Surrender values applied to pay running premiums. 3,410.63
Surrender values applied to purchase paid-up insur-
ance 24,445.88
Received for annuities 4,238.82
Total premium income $ 1,374,521.52
Rents 33,409.38
Interest on mortgage loans 39,000.69
Interest on collateral loans and premium notes 1,941.91
Interest and dividends on stocks and bonds 73,164.35
Interest on other debts due the company 12,184.35
Interest on deferred premiums 8,520.82
Profit on sales of real estate and securities 10,730.86
From all other sources (income Accident Department) 478,761.85
Total income 2,032,235.73
Aggregate last balance and income $ 5, 452, 469. 80
DISBURSEMENTS.
Paid for losses and additions $ 360,178.76
Paid for matured endowments and additions 51,797.82
Net amount paid for losses and matured endowments $ 411,976.58
Paid to annuitants 3,785.66
Cash dividends paid policy-holders 2,163.06
Dividends applied to pay running premiums 38,704.11
Dividends applied to purchase paid-up insurance 46,808.31
Surrender values paid in cash 24,776.31
Surrender values applied to pay running premiums 3,411.63
Surrender values applied to purchase paid-up insurance 24,445.88
Total paid policy-holders $ 556,130.54
Interest or dividends to stockholder 14,000.00
Commissions and bonuses paid to agents — new policies, $201, 747. 70;
renewals, $115,602.86 377,350.56
Salaries and allowances for agencies 137,313.09
Salaries of officers and home-office employees 57,230.66
Medical examiners' fees and inspections 40,382.29
40 Document No. 10. [Session
Taxes od premiums, reserves, municipal and State licenses $ 16,043.36
Taxes on real estate and investments 11,379.50
Insurance Department fees and agents' licenses 3,223.70
Repairs and expenses on real estate 9,842.77
Rents 19,645.87
Advertising, printing, stationery and postage 25,581.23
Legal expenses 10,716.27
Disbursements, Accident Department 456,745.08
All other expenses 68,600.68
Total disbursements $ 1,804, 185.60
Balance $ 3,648,284.20
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate 1 922,985.14
Loans on mortgages 724,839.79
Loans to policy-holders on this company's policies 173,672.78
Premium notes on policies in force 35,256.80
Book value of stocks and bonds 1,611,621.85
Cash in company's office 1,628.65
Cash in bank 126,687.04
Bills receivable 4,460.30
Agents' debit balances 36,842.18
Furniture and fixtures 23,109.65
Total $ 3,661,103.68
Deduct ledger liabilities —
Agents' credit balances $ 12,819.48
12, 819. 48
Total net ledger assets $ 3, 648, 284. 20
OTHER ASSETS.
Interest and rents due and accrued 39, 159. 80
Market value of bonds and stocks over book value --.- 124, 905. 55
New
Business. Renewals.
Gross premiums due and unreported on policies in
force December 31, 1900 $ 70,356.67 $ 63,420.18
Gross deferred premiums on policies in force Decem-
ber 31, 1900 21,168.08 48,127.76
Totals 8 91,524.75 9 111,547.94
Deduct cost of collection of same 18,304.95 22,309.59
$ 73,219.80 $ 89,238.35
Net amount of uncollected and deferred premiums 162, 458. 15
Eevenue stamps and printed supplies 8, 783. 95
Accident Department 128, 525. 10
Total assets $ 4, 112, 116. 75
Deduct non-admitted assets —
Furniture, fixtures and supplies $ 29,109.65
Agents' debit balances unsecured 19,174.79
Bills receivable unsecured 4,460.30
Total deductions 52,744.74
Total admitted assets $ 4,059,372.01
1903.] Document No. 10. 41
LIABILITIES.
Net present value of all policies in force December 31,1900, com-
puted according to the Actuaries' Table of Mortality, with 4 per
cent, interest • 5 3,531,347.59
Deduct net value of risks re-insured 27,916.00
Net reserve $ 3,503,431.59
Death losses in process of adjustment or adjusted and not due S 7,645.00
Death losses reported but no proofs received 22,461.50
Policy claims resisted by the company 19,000.00
Total policy claims 49, 106. 50
Liabilities Accident Department 180, 631. 07
Liabilities on policy-holders' account f> 3,733,169.16
Surplus 126,202.85
Capital stock paid up 200,000.00
Total liabilities $ 4,059,372.01
EXHIBIT OF POLICIES.
No. Policies. Amount.
Policies and additions in force December 31, 1899 10,960 $ 21,255,954.00
Written during 1900 6,046 10,013,436.00
Revived during 1900 - 75 132,000.00
Changed and increased during 1900 4,105.00
Additions by dividends 73,425.00
Totals 17,081 $ 31,478,920.00
Policies terminated— No. Policies. Amount.
By death 111 S 2S2, 750.00
By maturity IS 50,300.00
By expiry 18 29,500.00
By surrender 165 362,705.00
By lapse 1,378 2,017,690.00
By change and decrease 42,428.00
By not being taken 894 1,541,940.00
Total policies terminated during 1900 2,584 4,327,308.00
Policies in force December 31, 1900 14,497 8 27,151,612.00
Policies re-insured S7 223,870.00
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Policies in force December 31, 1899 .
Written during 1900
Terminated during 1900
In force December 31, 1900
Premiums collected during 1900
No. Policies.
Amount.
48
$
109,525.00
95
109,500.00
36
63,000.00
107
156,025.00
5,621.59
42 Document No. 10. [Session
PENN MUTUAL LIFE INSURANCE COMPANY OF
PENNSYLVANIA. .
Located at Philadelphia, Pa. Incorporated 1847. Commenced Business 1847.
Harry F. West, President. Henry C. Brown, Secretary.
Amount of net or ledger assets December 31, 1899 $ 37, 696, 340. 07
INCOME.
Premiums on new policies 8 1,328,473.15
Renewal premiums 5,835,425.99
Dividends applied to pay running premiums 690,130.36
Dividends applied to purchase paid-up insurance 216,914.14
Surrender values applied to pay running premiums. 54,602.18
Surrender values applied to purchase paid-up insur-
ance ." 143,850.00
Received for annuities 552, 136. S3
Total premium income $ 8,821,538.65
Rents . 193,949.86
Interest on mortgage loans 787,828.84
Interest on collateral loans and premium Dotes 433,607.51
Interest and dividends on stocks and honds 621,436.41
Interest on other debts due the company 15,980.05
Profit on sales of real estate and securities 59,623.63
From all other sources __, 2.016.55
Total income 10,935,981.50
Aggregate last balance and income •? 48, 632, 321. 57
DISBURSEMENTS.
Paid for losses and additions $ 2,181,971.19
Paid for matured endowments and additions 623,417.00
Net amount paid for losses and matured endowments $ 2,805,388.19
Paid to annuitants 111,317.06
Premium notes voided by lapse ■ 37,104.37
Dividends applied to pay running premiums 690,136.36
Dividends applied to purchase paid-up insurance 216,914.14
Surrender values paid in cash 492,729.46
Surrender values applied to pay running premiums 54,602.18
Surrender values applied to purchase paid-up insurance 143,S50.00
Total paid policy-holders -• $ 4,552,041.76
Com missions and bonuses paid to agents — new policies, §726,903.39;
renewals, $365,672.76; annuities, §10,627.58 1,103,203.73
Salaries and allowances for agencies .__ 86,712.46
Salaries of officers and home-office employees 170,957.21
Medical examiners' fees and inspections 91,932.92
Taxes on premiums, reserves, municipal and State licenses 112,954.13
Taxes on real estate and investments 238,30S.76
Insurance Department fees and agents' licenses 45,555.39
Repairs and expenses on real estate 116,264.17
1903.] Document No. 10. 43
Rents 8 41,299.52
Advertising, printing, stationery and postage 68,730.53
Legal expenses 22,030.80
All other expenses 57,732.11
Total disbursements $ 6, 707, 723. 49
Balance $^41,924,598.08
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate 5 2,611,747.49
Loans on mortgages 15,882,579.23
Loans on collaterals 4,402,748.03
Loans to policy-holders on this company's policies 3,341,332.00
Premium notes on policies in force 1,069,003.34
Book value of stocks and bonds 13,580,864.60
Cash in company's office 5,774.63
Cash in bank 772,000.00
Bills receivable 150,142.55
Agents' debit balances 5,565.89
Obligations for premiums 104,207.22
Furniture 3,9oo.QO
Total $ 41,929,864.98
Deduct ledger liabilities-
Agents' credit balances S 5,266.90
5, 266. 90
Total net ledger assets . $ 41,924,598.08
OTHER ASSETS.
Interest and rents due and accrued 403, 623. 76
Market value of bonds and stocks over book value 541, 880. 40
New
Business. Renewals.
Gross premiums due and unreported on policies in
force December 31, 1900 8 292,542.29 8 355,147.17
Gross deferred premiums on policies in force Decem-
ber 31, 1900 107,104.35 536,595.38
Totals $ 399,646.64 $ 891,742.55
Deduct cost of collection of same 215,009.89 48,332.45
$ 184,636.75 $ 843,410.10
Net amount of uncollected and deferred premiums 1,028,046. 85
Total assets $ 43, 898, 149. 09
Deduct non-admitted assets —
Furniture, fixtures and supplies S 3,900.00
Commissions payable to agents on premium notes 14,029.82
Agents' debit balances unsecured 3,184.137
Bills receivable unsecured 26,051.81
Total deductions 47, 166. 30
Total admitted assets $ 43,850,982.79
44 Document No. 10. [Session
LIABILITIES.
Net present value of all policies in force December 31, 1900, com-
puted according to the Actuaries' Table of Mortality, with 4
per cent, interest $ 37,086,592.00
Deduct net value of risks re-insured 52,108.00
Net reserve $ 37,034,484.00
Present value of undue installment policies 343, 259. 00
Death losses in process of adjustment or adjusted and not due $ 182,406.76
Total policy claims 182,406.76
Unpaid dividends, etc., due policy-holders 65,393.36
Premiums paid in advance 36,565.10
Scrip outstanding 8,580.00
Trust deposits 12,778.00
Special reserve 469, 041. 00
Surplus upon special forms of policies 2, 483, 983. 85
Liabilities on policy-holders' account $ 40, 636,491. 07
Surplus 3,214,491.72
Total liabilities $ 43, 850,982. 79
EXHIBIT OF POLICIES.
Policies and additions in force December 31, 1899_
Written during 1900
Revived during 1900
Changed and increased during 1900
Totals 93,673 $ 235,419,880.00
Policies terminated — No. Policies. Amount.
By death 757 $2,081,925.00
By maturity
By expiry
By surrender
By lapse
By change and decrease
By not being taken
Total policies terminated durine 1900 9,304 25,019,134.00
Policies in force December 31, 1900 84,369 $ 210,400,746.00
•Policies re-insured . 24 149,160.00
Annuities in force December 31, 1900 319 126,189.92
No. Policies
Amount.
74,267
$ 185,528,746.00
18,243
46,874,204.00
1,070
2,308,862.00
93
708,068.00
228
481,957.00
292
777,176.00
1,229
2,885,517.00
3,953
8,771,758.00
101
1,535,957.00
2,744
8,484,844.00
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Policies in force December 31, 1899 .
Written during 1900
Terminated during 1900
In force December 31, 1900
Losses unpaid December 31, 1899
Losses incurred during 1900
Losses paid during 1900
Premiums collected during 1900
No. Policies.
Amount.
1,397 $ 3,156,800.00
650
1,056,850.00
201
392,300.00
1,846
3,821,350.00
1
3,000.00
15
36,786.76
12
23,753.00
124,215.08
1903.] Document No. 10. 45
PHCENIX MUTUAL LIFE INSURANCE COMPANY OF
CONNECTICUT.
Located at Hartford, Conn. Incorporated 1851. Commenced Business 1851.
Jonathan B. Bunce, President. Charles H. Lawrence, Secretary.
Amount of net or ledger assets December 31, 1899 $ 11, 810, 069. 50
INCOME.
Premiums on new polieies $ 583, 712.71'.
Renewal premiums 1,626,919.58
Dividends applied to pay running premiums 186,840.66
Dividends applied to purchase paid-up insurauce ___ 53,254.20
Surrender values applied to pay running premiums. 4,460.05
Surrender values applied to purchase paid-up insur-
ance 57,604.00
Received for annuities 29,301.55
Total premium income S 2,542,092.80
Rents 52,667.34
Interest on mortgage loans 358,182.41
Interest on collateral loans and premium notes 52,058.34
Interest and dividends on stocks and bonds 171,437.56
Interest on other debts due the company 9,899.89
Discount on claims paid in advance 184.84
Profit on sales of real estate and securities 14,720.18
From all other sources 2,979.45
Total income 3, 204, 212. 81
Aggregate last balance and income $ 15, 014, 282. 31
DISBURSEMENTS. ■
Paid for losses and additions S 872,198.64
Paid for matured endowments and additions 116, 965. oo
Net amount paid for losses and matured endowments $ 989,163.64
Paid to annuitants 6,825.73
Cash dividends paid policy-holders 4,285.81
Dividends applied to pay running premiums 186,840.66
Dividends applied to purchase paid-up insurance 53,254.20
Surrender values paid in cash 150,368.34
Surrender values applied to pay running premiums 4,460.05
Surrender values applied to purchase paid-up insurance 57,604.00
Premium notes voided by lapse 5,173.60
Total paid policy-holders $ 1,457,976.03
Commissions and bonuses paid to agents— new policies, $288,905.33;
renewals, $113,488.33; annuities, $1,502.06 403,895.62
Salaries and allowances for agencies _ 63,316.98
Salaries of officers and home-office employees 78,431.63
Medical examiners' fees and inspections 52,692.00
Taxes on premiums, reserves, municipal and State licenses _, 63,148.86
Taxes on real estate and investments 18,829.12
46 Document No. 10. [Session
Insurance Department fees and agents' licenses $ 4,513.64
Repairs and expenses on real estate 20,409.69
Rents 25,954.70
Advertising, printing, stationery and postage 45,539.03
Legal expenses 5,440.42
All other expenses 21,315.03
Total disbursements $ 2,261,462.75
Balance $ 12,752,819.56
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate $ 1,017,625.19
Loans on mortgages 6,780,531.98
Loans on collaterals 1,000.00
Loans to policy-holders on this company's policies 534,457.00
Premium notes on policies in force 303,416.57
Book value of stocks and bonds 3,693,739.27
Cash in company's office 358.42
Cash in bank 422,191.13
Total net ledger assets $ 12,752,819.56
OTHER ASSETS.
Interest and rents due and accrued 142, 304. 72
Market value of bonds and stocks over book value 157, 705. 97
New-
Business. Renewals.
Gross premiums due and unreported on policies in
force December 31, 1900 $ 56,719.13 $ 70,586.21
Gross deferred premiums on policies in force Decem-
ber 31, 1900 30,816.40 135,172.05
Totals $ 87,535.53 $ 205,758.26
Deduct cost of collection of same 50,770.61 12,345.50
36,764.92 $ 193,412.76
Net amount of uncollected and deferred premiums 230,177.68
Total admitted assets $ 13,283,007.93
LIABILITIES.
Net present value of all policies in force E>ecember 31, 1900, com-
puted according to the Actuaries' Table of Mortality, with 4 per
cent, interest $ 12,551,800.00
Deduct net value of risks re-insured 39,761.00
Net reserve $ 12,512,039.00
Present value of undue installment policies 27, 457. 00
Special policy reserve 132, 427. 00
Death losses in process of adjustment or adjusted and not due 8 19,275.00
Death losses reported but no proofs received 15,318.00
Total policy claims 34,593.00
Premiums paid in advance 8, 707. 00
Liabilities on policy-holders' account $ 12,715,223.00
Surplus 567,784.93
Total liabilities $ 13,283,007.93
1903.] Document No. 10. 47
EXHIBIT OF POLICIES.
>"o. Policies. Amount.
Policies and additions in force December 31, 1899 35,512 $ 57,988,162.00
Written during 1900 8,885 14,924,155.00
Revived during 1900 67 101,810.00
Changed and increased during 1900 20,898.00
Transferred 1 380 690,319.00
Totals 44.844 $ 73,725,344.00
Policies terminated — ■ No. Policies. Amount.
By death 552 $ 881,517.00
By maturity 88 116,964.00
By expiry 80 137,500.00
By surrender 498 879,340.00
By lapse 2,286 3,644,690.00
By change and decrease 120,552.00
By not being taken 1,951 3,452,323.00
Transferred 380 690,319.00
Total policies terminated during 1900 5,835 9,923,205.00
Policies in force December 31, 1900 39,009 $ 63,802,139.00
Policies re-insured 45 353,631.00
Annuities in force December 31, 1900 45 9 284.67
GAIN AND LOSS EXHIBIT DURING THE YEAR.
( Upon basis of Actuaries Mortality and 4 per cent, interest).
Surplus at beginning of the year $ 537,925.00
Loading earned on premiums of insurance and annuity 521, 995. 00
Interest, rents, etc., earned $ 650,244.00
Profit and loss items 87,158.00
737, 402. 00
Cost of insurance 721,966.00
Reserves released by surrender and lapse, of which $73, 493 was
from policies upon which three years' premiums had not been
paid 312,947.00
Total credits $ 2,832,235.00
Insurance expenses incurred $ 744,665.00
Investment expenses incurred 56,239.00
$ 800, 904. 00
Interest required to maintain reserve 489, 219. 00
Death Josses incurred, 8878,417; annuity payments incurred, §6,826, $ 885,243.<">
Less re-insurance reserves and compromises on losses, and re-
serves released by death of annuitants 370,718.00
514, 525. 00
Surrender and lapse values allowed 215,234.00
Dividends to policy-holders 244, 568. 00
Guarantee fund and surplus at end of year 567, 785. 00
Total debits $ 2,832,235.00
48 Document No. 10. [Session
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
No. Policies. Amount.
Policies in force December 31, 1899 1,015 $ 1,518,052.00
Written during 1900 308 438,320.00
Terminated during WOO 172 261,827.00
In force December 31, 1900 _ 1,151 1,694,545.00
Losses incurred during 1900 8 9,033.00
Losses paid during 1900 8 9,033.00
Premiums collected during 1900 58,968.96
Number of agents working in State for company during year, 49.
PROVIDENT SAYINGS LIFE ASSURANCE SOCIETY OF
NEW YORK.
Located at New York. Incorporated 1875. Commenced Business 1875.
Edward W. Scott, President. Wm, E. Stevens, Secretary.
Cash capital, $100, 000.
Amount of net or ledger assets December 31, 1899 $ 2,614,117.23
INCOME.
Premiums on new policies $ 730,542.91
Renewal premiums—' 2,562,842.01
Dividends applied to pay running premiums 104,185.38
Surrender values applied to purchase paid-up in-
surance 22,188.29
Received for annuities 1,300.00
Total premium income .$ 3,421,058.59
Rents 25,236.98
Interest on mortgage loans 16,169.29
Interest on collateral loans and premium notes 32,873.77
Interest and dividends on stocks and bonds 32,909.01
Interest on other debts due the company 7,754.30
Profit on sales of real estate and securities 0,437.08
From all other sources 22,558.37
Total income 3,567,997.39
Aggregate last balance and income $ 6, 182, 114. 62
DISBURSEMENTS.
Paid for losses and additions...: $ 1,322,255.18
Paid for matured endowments and additions 269.83
1,322,525.01
Deduct re-insurance 10,000.00
Net amount paid for losses and matured endowments $ 1,312,525.01
Paid to annuitants 1,644.40
Premium notes voided by lapse 89,071.72
1903.] Document No. 10. 49
Cash dividends paid policy-holders 8 17,014.37
Dividends applied to pay running premiums 104,185.38
Surrender values paid in cash 70,037.78
Surrender values applied to purchase paid-up insurance 22,188.29
Total paid policy-holders —8 1,616,666.95
Interest or dividends to stockholders 6,977.60
Commissions and bonuses paid to agents— new policies, $366,548;
renewals, 8123,495.98; annuities, $65 490,108.98
Salaries and allowances for agencies 122,439.15
Salaries of officers and home-office employees 185,731.74
Medical examiners' fees and inspections 86,992.22
Taxes on premiums, reserves, municipal and State licenses 41,794.98
Taxes on real estate and investments 20,959.46
Insurance Department fees and agents' licenses 4,995.48
Repairs and expenses on real estate 8,915.09
Rents 44,976.57
Advertising, printing, stationery and postage 60,811.28
Legal expenses 31,195.38
All other expenses 154,471. In
Total disbursements $ 2,877,035.98
Balance $ 3,305,078.64
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate $ 458,435.22
Loans on mortgages 423, 200. 0u
Loans on collaterals 20,705.13
Loans to policy-holders on this company's policies 255,855.47
Premium notes on policies in force 719,525. 60
Book value of stocks and bonds 773,949.80
Cash in company's office 28,708.08
Cash in bank 439,820.10
Bills receivable 2,264.42
Agents' debit balances 182,949.23
Total $ 3,305,413.05
Deduct ledger liabilities —
Agents' credit balances 9 334.41
334. 41
Total net ledger assets $ 3,303,078.64
OTHER ASSETS.
Interest and rents due and accrued 63, 530. 71
Market value of bonds and stocks over book value 72, 263. 12
New
Business. Renewal-.
Gross premiums due and unreported on policies in
force December 31, 1900 $ 174,930.00 $ 267,176J
Gross deferred premiums on policies in force Decem-
ber 31, 1900 25,351.00 233,827.00
Totals $ 200,281.00 $ 501,003.00
Deduct cost of collection of same 100,141.00 25,050.00
$ 100,140.00 8 475,953.00
50 Document No. 10. [Session
Net amount of uncollected and deferred premiums $ 576,093.00
Revenue stamps on hand S, 369. 62
Total assets $ 4,025,335.09
Deduct non-admitted assets —
Premium notes or loans $ 6,326.90
Agents' debit balances unsecured 119,520.23
Bills receivable unsecured 2,264.42
Total deductions 128, 111: 55
Total admitted assets $ 3,897,223.54
LIABILITIES.
Net present value of all policies in force December 31, 1900, com-
puted according to Actuaries' Table of Mortality, with 4 per
cent, interest $ 3,241,109.00
Deduct net value of risks re-insured 4,549.00
Net reserve $ 3,236,560.00
Present value of undue installment policies 9, 134. 10
Death losses in process of adjustment or adjusted and not due $ 60,000.00
Death losses reported but no proofs received 53,860.00
Policy claims resisted by the company 50,500.00
Total policy claims 164,360.00
Premiums paid in advance 5, 398. 00
Surrender values on cancelled policies 1, 783. 61
Trust funds held by company 500.00
Liabilities on policy-holders' account $ 3, 417, 735. 71
Surplus 379,487.83
Capital stock paid up 100,000.00
Total liabilities $ 3,897,223.54
EXHIBIT OF POLICIES.
Policies and additions in force December 31, 1S99
Written during 1900
Revived during 1900
Changed and increased during 1900
Totals
Policies terminated — No. Policies. Amount.
By death 396 $1,334,804.00
By maturity 1 250.00
By expiry 5,892 23,S13,279.00
By surrender 104 358,678.00
By lapse 1,346 4,930,169.00
By change and decrease 2,101 6,558,940.00
By not being taken 1,977 6,368,277.00
No. Policies.
Amount.
32,689
8
107,040,100.00
9,523
33,000,226.00
138
457,500.00
2,178
5,752,699.00
44,52S
$
146,250,525.00
Total policies terminated during 1900 11,817 43,364,397.00
Policies in force December 31, 1900 32,711 8 102,886,128.00
Policies re-insured 40 436,000.00
Annuities in force December 31, 1900 3 1,707.40
1903.]
Document No. 10.
51
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
No. Policies. Amount.
Policies in force December 31, 1899 1,027 $ 2,576,000.00
Written during 1900 295 624,501.00
Terminated during 1900 178 439,493.00
In force December 31, 1900 1,144 2,761,008.00
Losses unpaid December 31,1899 2 4,000.00
Los?es incurred during 1900 16 32,000.00
Losses paid during 1900 16 34,000.00
Premiums collected during 1900 81,555.68
Number of agents working in State for company during year, 32.
SECURITY MUTUAL LIFE INSURANCE COMPANY OF
NEW YORK.
Located at Binghamton, N. Y. Incorporated 1886. Commenced Business 1887.
W. G. Phelps, President. Charles M. Turner, Secretary.
Amount of net or ledger assets December 31, 1899 $ 790, 116. 52
INCOME.
Premiums on new policies § 201,895.96
Renewal premiums 571,642.85
Dividends applied to pay running premiums 4,040.56
Total premium income $ 777,579.37
Rents 608.00
Interest on mortgage loans 16,090.32
Interest on collateral loans and premium notes 904.53
Interest and dividends on stocks and bonds 9,386.13
Interest on other debts due the company 2,365.29
Profit on sales of real estate and securities 1,100.00
From all other sources 12,747.45
Total income 820,781.09
Aggregate last balance and income $ 1, 610, 897. 61
DISBURSEMENTS.
Paid for losses and additions S 333,530.76
Net amount paid for losses and matured endowments $ 333,530.76
Return premiums 328.42
Dividends applied to pay running premiums 4,040.56
Surrender values paid in cash 1,387.03
Total paid policy-holders $ 339,286.77
Commissions and bonuses paid to agents— new policies, 591,785.50;
renewals, $48,818.58 140,604.08
Salaries and allowances for agencies 20,119.26
Salaries of officers and home-offiee employees 31,351.04
52 Document No. 10. [Session
Medical examiners' fees and inspections 8 16,710.69
Taxes on premiums, reserves, municipal and State licenses 10,584.77
Taxes on real estate and investments 194.61
Insurance Department fees and agents' licenses 3,543.66
Repairs and expenses on real estate 354.47
Rents 14,448.42
Advertising, printing, stationery and postage 13,452.73
Legal expenses 2,578.13
All other expenses 40,110.38
Total disbursements $ 633, 339. 01
Balance $ 977,558.60
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate $ 9,966.45
Loans on mortgages 292,075.00
Loans on collaterals 19,858.72
Loans to policy-holders on this company's policies 74,220.03
Book value of stocks and bonds 322,050.25
Cash in company's office 4,460.79
Cash in bank 153,017.64
Bills receivable 140.35
Agents' debit balances 99,597.40
Suspense 1,271.97
Total net ledger assets $ 977, 558. 60
OTHER ASSETS.
Interest and rents due and accrued 10, 034. 25
Market value of bonds and stocks over book value 2,490. 25
New
Business. Renewals.
Gross premiums due and unreported on policies in
force December 31, 1900 $ 39,691.90 $ 85,002.48
Gross deferred premiums on policies in force Decem-
ber 31, 1900 24,897.77
Totals $ 39,691.90 $ 109,900.25
Deduct cost of collection of same 27,784.30 5,495.01
$ 11,907.60 $ 104,405.24
Net amount of uncollected and deferred premiums 116, 312. 84
Total assets $ 1,106,395.94
Deduct non-admitted assets —
Suspense . $ 1,271.97
Agents' debit balanees unsecured 99,597.40
Bills receivable unsecured 140.35
Total deductions 101, 009. 72
Total admitted assets $ 1,005,386.22
LIABILITIES.
Net present value of all policies in force December 31, 1900, com-
puted according to the Actuaries' Table of Mortality, with 4
per cent, interest $ 187, 053. 00
Net reserve $ 187, 053. 00
1903.]
Document No. 10.
53
Present value of undue installment policies $
Death losses in process of adjustment $ 30,500.00
Death losses reported but no proofs received 3,000.00
Policy claims resisted by the company 23,000.00
47, 193. 34
Total policy claims 62,500.00
Due and accrued for salaries, rents, etc 19,712.42
Loans on policies in excess of net value of same 43, 261. 00
Liabilities on policy-holders' account $ 359, 719. 76
Surplus 645,666.46
Total liabilities $ 1, 005, 386. 22
EXHIBIT OF POLICIES.
Policies and additions in force December 31, 1899 .
Written during 1900
Revived during 1900
Changed and increased during 1900
Transferred
No. Policies.
14,582
3,907
306
466
Totals
Policies terminated —
By death
By surrender
By lapse
By change and decrease
Transferred
19,321
Amount.
$ 29,308,883.00
7,306,274.00
743,052.00
26,417.00
828,030.00
$ 38,212,056.00
No. Policies.
157
25
3,344
466
Amount.
359,980.00
73,500.00
6,415,745.00
58,000.00
828,030.00
Total policies terminated during 1900.
Policies in force December 31, 1900
3,992
15,329
7,735,255.00
S 30,477,401.00
GAIN AND LOSS EXHIBIT DURING THE YEAR.
(Upon basis of Actuaries' Mortality and 4 per cent, interest).
Surplus at beginning of the year $
Loading earned on premiums of insurance and annuity
Interests, rents, etc., earned
Profit and loss items
31,489.13
102,537.29
Cost of insurance .
Reserves released by surrender and lapse, of which $3, 587 was
from policies upon which three years' premiums had not been
paid
Total credits $
Insurance expenses incurred $ 300,001.70
Investment expenses incurred 1,395.41
$
Interest required to maintain reserve
Death losses incurred I
Less re-insurance reserves and compromises on losses, and re-
serves released by death of annuitants
359,980.99
23, 470. OS
567, 643. 47
218, 451. 14
134, 026. 42
333, 682. 04
41, 796. 00
1, 295, 599. 07
301, 397. 11
6, 603. 00
336, 504. 91
54 Document No. 10. [Session
Surrender and lapse values allowed $ 1, 387. 03
Dividends to policy- holders 4, 040. 56
Guarantee fund and surplus at end of year 645, 666. 46
Total debits $ 1,295,599.07
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
No. Policies. Amount.
Policies in force December 31, 1899 142 $ 326,000.00
Written during 1900 28 78,022.00
Terminated during 1900 53 110,500.00
In force December 31, 1900 117 293,522.00
Losses incurred during 1900 1 2,000.00
Losses paid during 1900 1 2,000.00
Premiums collected during 1900 5,162.54
Number of agents working in State for company during year, 10.
SECURITY TRUST AND LIFE INSURANCE COMPANY OF
PENNSYLVANIA.
Located at Philadelphia, Pa. Incorporated 1871. Commenced Business 1895.
Robert E. Pattison, President. Edwin S. Bartlett, Secretary.
Cash capital, $500, 000.
Amount of net or ledger assets December 31, 1899 $ 1, 327, 169. 78
INCOME.
Premiums on new policies S 208, 272. 3S
Renewal premiums 461,342.47
Premium note advances : 8,354.72
Total premium income $ 680,969.57
Rents 134,772.39
Interest on mortgage loans 5,456.68
Interest on collateral loans and premium notes 6,235.35
Interest and dividends on stocks and bonds 3,287.25
From all other sources 29,9S9.66
Total income 860, 710. 90
Aggregate last balance and income $ 2, 187, 880. 68
DISBURSEMENTS.
Paid for losses and additions $ 274,037.64
Net amount paid for losses and matured endowments S 274,037.64
Paid for health claims 10,911.06
Premium notes voided by lapse 6,062.25
1903.] Document No. 10. 55
Surrender values paid in cash $ 3,618.65
Premiums returned 406.17
Total paid policy-holders S 295,035.77
Commissions and bonuses paid to agents— new policies, $142, 802. 77;
renewals, $29,567.17 172,371.94
Salaries and allowances for agencies 4,023.80
Salaries of officers and home-office employees 34,524.43
Medical examiners' fees and inspections 15,879.46
Taxes on premiums, reserves, municipal and State licenses 14,118.94
Taxes on real estate and investments 35,755.45
Insurance Department fees and agents' licenses 4,190.38
Repairs and expenses on real estate 41,022.15
Rents 21,022.79
Advertising, printing, stationery and postage 12,378.06
Legal expenses 9,065.24
All other expenses 125,965.76
Total disbursements $ 785,354.17
Balance $ 1,402,526.51
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate $ 952,500.00
Loans on mortgages 100,800.00
Loans to policy-holders on this and other companies' policies 17,127.55
Premium notes on policies in force 44,445.01
Book value of stocks and bonds 90,025.84
Cash in bank 176,149.26
Bills receivable 10,953.96
Agents' debit balances 23,869.99
Allother 23,998.63
Total $ 1,439,868.24
Deduct ledger liabilities —
Borrowed money 3 36,000.00
All other 1.341.73
37, 341. 73
Total net ledger assets $ 1, 402, 526. 51
OTHER ASSETS.
Interest and rents due and accrued 8, 288. 44
New
Business. Renewals.
Gross premiums due and unreported on policies in
force December 31, 1900 $ 38,379.05 $ 10,214.25
Gross deferred premiums on policies in force Decem-
ber 31, 1900 20,434.86 63,394.44
Totals 9 58,814.51 $ 73,608.69
Deduct cost of collection of same 35,288.71 4,416.52
$ 23,525.80 $ 69,192.17
Net amount of uncollected and deferred premiums 92, 717. 97
Total assets * 1,503,532.92
56 Document No. 10. [Session
Deduct non-admitted assets —
Company's stock— owned _: $ 18,500.00
Depreciation in bonds and stocks 1,495.84
Depreciation in sundry accounts 2, ('■23. 57
Bills receivable unsecured 2,780.00
Total deductions $ 25, 399. 41
Total admitted assets $ 1,478,133.51
LIABILITIES.
Net present value of all policies in force December 31, 1900, com-
puted according to the Actuaries' Table of Mortality, with 4
per cent, interest $ 75(5,417.00
Net reserve $ 756,417.00
Death losses in process of adjustment or adjusted and not due $ 56,400.00
Death losses reported but no proofs received 8,580.00
Policy claims resisted by the company 31,600.00
Total policy claims 96,580.00
Due and accrued for salaries, rents, etc 4,483.61
Premiums paid in advance L 260. 90
Health claims in process of adjustment 1, 319. 26
Accrued interest 35, 088. 89
Liabilities on policy-holders' account $ 895,149.66
Surplus - 82,983.85
Capital stock paid up 500, 000. 00
Total liabilities $ 1,478,1 33.51
EXHIBIT OF POLICIES.
No. Policies. Amount.
Policies and additions in force December 31, 1899 5,755 $ 12,628,318.00
Written during 1900 3,391 7,132,064.00
Revived during 1900 41 93,972.00
Changed and increased during 1900 1,474 2,679,652.00
Totals 10,661 $ 22,534,006.00
Policies terminated— No. Policies. Amount.
By death 105 $ 306,617.00
By expiry 2 3,500.00
By surrender 100 294,072.00
By lapse -• 990 1,969,643.00
By change and decrease 1,482 2,721,002.00
By not being taken 1,583 3,861,713.00
Total policies terminated during 1900 4,262 9,156,547.00
Policies in force December 31, 1900 6,399 $ 13,377,459.00
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Policies in force December 31, 1899
Written during 1900
Terminated during 1900
In force December 31, 1900
Losses unpaid December 31, 1899—
Losses incurred during 1900
Losses paid during 1900
Premiums collected during 1900
No. Policies.
Amount.
180 :
I 296,498.00
98
142,209.00
68
119,387.00
210
319,320.00
2
2,000.00
1
2,500.00
3
4,500.00
10,796.33
1903.] Document No. 10. 57
SOUTH-ATLANTIC LIFE INSURANCE COMPANY OF
VIRGINIA.
Located at Richmond, Va. Incorporated 1900. Commenced Business 1900.
Beverly B. Munford, President. Louis T. Dobie, Secretary.
Cash capital, $223, 907.
Amount of net or ledger assets $ 223, 907. 00
INCOME.
Premiums on new policies $ 25,075.4S
Premiums on business written prior to December 31- 1,145.63
Total premium income $ 26,221.11
Interest on collateral leans and premium notes 3,454.56
Interest on other debts due the company 432.76
Total income 30,108.43
Aggregate last balance and income $ 254, 015. 43
DISBURSEMENTS.
Commissions and bonuses paid to agents — new policies $ 8,514.92
Salaries and allowances for agencies 241.78
Salaries of officers and home-office employees 11,333.60
Medical examiners' fees 1,760.00
Taxes on premiums, reserves, municipal and State licenses 655.58
Insurance Department fees and agents' licenses 319.16
Rents 1,218.75
Advertising, printing, stationery and postage 6,482.98
Legal expenses 1,676.15
All other expenses 4,293.41
Total disbursements 36,496.33
Balance $ 217, 519. 10
ASSETS.
AS PER LEDGER ACCOUNTS.
Loans on collaterals $ 136,899.26
Premium notes on policies in force 2,255.70
Book value of stocks and bonds 511,930.00
Cash in company's office. 1,337. 51
Cash in bank 23,686.72
Agents' debit balances 2,465.78
Total $ 217,574.97
Deduct ledger liabilities —
Agents' credit balances $ 55.87
55.87
Total net ledger assets $ 217, 519. 10
OTHER ASSETS.
Interest and rents due and accrued 89. 41
Market value of bonds and stocks over book value 3, 170. 00
58
Document No. 10.
[Session
New
Business.
Renewals.
Gross premiums due and unreported on policies in
force December 31, 1900 J
Gross deferred premiums on policies in force De-
cember 31, 1900
Totals i
Deduct cost of collection of same
5,203.69 $
4,697.82
9,901.51 $
4,623.84
5,277.67 $
Net amount of uncollected and deferred premiums $ 5, 277. 67
Furniture and fixtures 1, 676. 15
Printing and stationery 2, 000. 00
Total assets $
Deduct non-admitted assets —
Company's stock— owned $ 20,594.26
Furniture, fixtures and supplies 3,676.15
Total deductions
Total admitted assets
LIABILITIES.
Net present value of all policies in force December 31, 1900, com-
puted according to the Actuaries' Table of Mortality, with 4
per cent, interest
Deduct net value of risks re-insured
4,981.00
936.00
Net reserve
Due and accrued for salaries, rents, etc. --
Liabilities on policy-holders' account
Surplus
Total liabilities
EXHIBIT OF POLICIES.
New policies issued
Totals
Policies terminated —
By expiry
By lapse
By not being taken.
No. Policies.
576
576
No.
Policies.
Amount.
4
8
7,000.00
4
2,500.
00
1G
25,500.
00
Total policies terminated during 1900-
Policies in force December 31, 1900
Policies re-insured
24
552
229, 732. 33
24, 270. 41
205, 461. 92
4, 045. 00
2, 149. 16
-$ 6, 194. 16
199, 267. 76
.$ 205, 461. 92
Amount.
1,018,250.00
1,018,250.00
35,000.00
983,250.00
145,000.00
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Written during 1900
Terminated during 1900
In force December 31, 1900
Premiums collected during 1900
No. Policies.
A
MOUNT.
38
54,500.00
1
1,000.00
37
53,500.00
875.37
Number of agents working in State for company during year, 6.
1903.] Document No. 10. 59
STATE MUTUAL LIFE ASSURANCE COMPANY OF
MASSACHUSETTS.
Located at Worcester, Mass. Incorporated 1844. Commenced Business 1845.
A. G. Bullock, President. H. M. Witter, Secretary.
Amount of net or ledger assets December 31, 1899 $ 15, Oil, 248. 41
INCOME.
Premiums on new policies § 386,081.24
Renewal premiums * 2,321,314.17
Dividends applied to pay running premiums 304,805.92
Dividends applied to purchase paid-up insurance 101,712.81
Total premium income $ 3,113,914.14
Rents 105,690.79
Interest on mortgage loans 118,661.22
Interest on collateral loans and premium notes 81,584.11
Interest and dividends on stocks and bonds 422,196.76
Interest on other debts due the company 10,585.12
Interest on deferred premiums 3,519.51
Discount on claims paid in advance 258.42
From all other sources 1,500.00
Total income 3,857,910.07
Aggregate last balance and income $ 18,869, 158.48
DISBURSEMENTS.
Paid for losses and additions $ 1,002,418.40
Paid for matured endowments and additions 20,000.00
Net amount paid for losses and matured endowments $ 982,418.40
Premium notes voided by lapse 5,709.00
Cash dividends paid policy-holders 5,840.01
Dividends applied to pay running premiums 304,805.92
Dividends applied to purchase paid-up insurance 101,712.81
Surrender values paid in cash 279,358.69
Total paid policy-holders $ 1,679,844.83
Commissions and bonuses paid to agents — new policies, $185,295.25;
renewals, $189,020.22 374,315.47
Salaries and allowances for agencies 44,381.25
Salaries of officers and home-office employees 65,233.68
Medical examiners' fees and inspections 29,259.83
Taxes on premiums, reserves, municipal and State licenses 42,047.46
Taxes on real estate and investments 26,781.06
Insurance Department fees and agents' licenses 5,312.28
Repairs and expenses on real estate 38,846.39
Rents 32,369.12
Advertising, printing, stationery and postage 19,287.60
Legal expenses 5,588.11
All other expenses 58,263.73
Total disbursements 2,421,530.81
Balance $ 16,447,627.67
60 Document No. 10. [Session
Deduct premium notes (included in deferred premiums) $ 152, 191. 37
Total balance $ 16,295,436.30
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate $ 1,722,000.00
Loans on mortgages 2,887,185.79
Loans on collaterals 520 460.00
Loans to policy-holders on this company's policies 896,007.65
Book value of stocks and bonds 9,796,222.00
Cash in company's office 7,495.65
Cash in bank 466 065.21
Total net ledger assets $ 16, 295, 436. 30
OTHER ASSETS. ,
Interest and rents due and accrued 207, 074. 34
Market value of bonds and stocks over book value 886, 415. 00
New
Business. Renewals.
Gross premiums due and unreported on policies in
force December 31, 1900 $ 55,060.42 $ 145,711.01
Gross deferred premiums on policies in force Decem-
ber 31, 1900 50,298.04 225,564.48
Totals $ 111,358.46 $ 371,275.49
Deduct cost of collection of same 52,349.61 25,580.88
$ 59,008.85 $ 345,694.61
Net amount of uncollected and deferred premiums 404, 703. 46
Total admitted assets $ 17, 793, 629. 10
LIABILITIES.
Net present value of all policies in force December 31, 1900, com-
puted according to the Actuaries' Table of Mortality, with 4
per cent, interest $ 15,908,692.00
Deduct net value of risks re-insured 41,696.00
Net reserve $ 15,866,996.00
Present value of undue installment policies 1,352.52
Death losses reported but no proofs received $ 43,833.38
Policy claims resisted by the company 7,000.00
Total policy claims 50,833.38
Special reserve for deferred dividends 15, 000. 00
Liabilities on policy-holders' account $ 15,934,181.90
Surplus 1,859,447.20
Total liabilities $ 17, 793, 629. 10
EXHIBIT OF POLICIES.
No. Policies. Amount.
Policies and additions in force December 31, 1899 27,364 $ 74,933,729.00
Written during 1900 5,082 12,161,378.00
Revived during 1900 6 14,500.00
Changed and increased during 1900 42,701.00
Additions 196,929.00
Transferred 10 22,350.00
Totals 32,462 $ 87,371,587.00
1903.] Document No. 10. 61
Policies terminated— No. Policies. Amount.
By death 270 $ 813,717.00
By maturity 67 213,856.00
By expiry 5 11,000.00
By surrender 696 1,395.085.00
By lapse 951 1,936,495.00
By change and decrease 40 806,006.00
By not being taken 534 1,283,981.00
Transferred 10 22,350.00
Total policies terminated during 1900 2,573 $ 6,482 490.00
Policies in force December 31, 1900 29,889 $ 80,889,097.00
Policies re-insured 30 360,'eOO.OO
GAIN AND LOSS EXHIBIT DURING THE YEAR.
(Upon basis of Actuaries'' Mortality and 4 per cent, interest).
Surplus at beginning of the year $ 1,605,835. 15
Loading earned on premiums of insurance and annuity 691, 119. 70
Interest, rents, etc., earned $ 767,082.30
Profit and loss items 117 623.62
884, 705. 92
Cost of insurance 892,476.33
Reserves released by surrender and lapse, of which $34, 149. 02 was
from policies upon which three years' premiums had not been
paid 341,451.23
Total credits $ 4,415,588.33
Insurance expenses incurred $ 633,414.35
Investment expenses incurred 85,404.79
$ 718, 819. 14
Interest required to maintain reserve 607, 195.41
Death losses incurred $ 791,804.66
Less re-insurance reserves and compromises on losses, and re-
serves released by death of annuitants 274,263.76
517, 540. 90
Surrender and lapse values allowed 285, 067. 69
Dividends to policy-holders 427, 358. 74
Guarantee fund and surplus at end of year 1, 859, 606. 45
Total debits $ 4,415,588.33
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
No. Policies. Amount.
Policies in force December 31, 1899 339 $ 545,523.00
Written during 1900 75 123,703.00
Terminated during 1900 30 49 400. 00
In force December 31, 1900 384 619,820.00
Losses incurred during 1900 . 7 2 335.95
Losses paid during 1900 7 2 335.95
Premiums collected during 1900 20,973.85
Number of agents working in State for company during year, 8.
62
Document No. 10.
[Session
STATE LIFE INSURANCE COMPANY OF INDIANA.
Located at Indianapolis, Ind. Incorporated 1894. Commenced Business 1894.
Andrew M. Sweeney, President. Wilbur S. Wynn, Secretary.
Amount of net or ledger assets December 31, 1899 $ 336,628. 13
INCOME.
Premiums on new policies $ 228,811.33
Renewal premiums 388,722.24
Dividends applied to pay running premiums 22,267.52
Surrender values applied to pay running premiums _ 336.32
Surrender values applied to purchase paid-up insur-
ance 830.68
Total premium income S 640,968.09
Interest on mortgage loans 18,184.19
Interest on collateral loans and premium notes 793.96
Interest on other debts due the company 947.48
Interest on deferred premiums 1,428.63
From all other sources 2,016.64
Total income 6 64, 338. 99
Aggregate last balance and income $ 1, 000, 967. 12
DISBURSEMENTS.
Paid for losses and additions $ 92,600.00
Net amount paid for losses and matured endowments $ 92,600.00
Cash dividends paid policy-holders 14.37
Dividends applied to pay running premiums 22,267.52
Surrender values paid in cash 572.25
Surrender values applied to pay running premiums 336.32
Surrender values applied to purchase paid-up insurance 830.68
Total paid policy-holders $ 116,621.14
Commissions and bonuses paid to agents— new policies, $141,960.40;
renewals, $46,288.79 188,249.19
Salaries and allowances for agencies 14,939.06
Salaries of officers and home-office employees 45,235.38
Medical examiners' fees and inspections 12,729.00
Taxes on premiums, reserves, municipal and State licenses 6,894.94
Taxes on real estate and investments 1,593.63
Insurance Department fees and agents' licenses 4,111.98
Rents 3,855.50
Advertising, printing, stationery and postage 11,052.78
Legal expenses 6,720.89
All other expenses 16,948.80
Total disbursements 428, 952. 29
Balance $ 572,014.83
1903.] Document No. 10. 63
ASSETS.
AS PER LEDGER ACCOUNTS.
Loans on mortgages $ 500,072.50
Loans on collaterals 4,264.22
Loans to policy-holders on this company's policies 3,972.28
Book value of stocks and bonds 1,000.00
Cash in company's office 3,332.27
Cash in bank 48,014.59
Agents' debit balances 11,358.97
Total net ledger assets $ 572,014. 83
• OTHER ASSETS.
Interest and rents due and accrued 6,010. 88
New
Business. Renewals.
Gross premiums due and unreported on policies in
force December 31, 1900 $ 69,300.83 $ 49,427.44
Gross deferred premiums on policies in force Decem-
ber 31, 1900 3,481.57 23,322.38
Totals $ 72,782.40 $ 72,7-19.82
Deduct cost of collection of same 43,669.44 3,637.49
S 29,112,96 S 69,112.33
Less agents' unapplied cash credits 4,919.42
Net amount of uncollected and deferred premiums 93, 305. 87
Renewal premium (extension) notes not included in above 11, 397. 86
Total assets $ 682, 729.44
Deduct non-admitted assets —
Agents' debit balances unsecured $ 11,358.97
Total deductions 11, 358. 97
Total admitted assets $ 671, 370. 47
LIABILITIES.
Net present value of all policies in force December 31, 1900, com-
puted according to the Actuaries' Table of Mortality, with 4
per cent, interest $ 390,693.47
Net reserve $ 390,693.47
Death losses in process of adjustment oradjusted and not due $ 10,000.00
Policy claims resisted by the company 5,000.00
Total policy claims 15,000.00
Unpaid dividends, etc., due policy-holders 757.56
Due and accrued for salaries, rents, etc. 1,881.48
Premiums paid in advance 1, 262. 31
Liabilities on policy-holders' account $ 409,594.82
Surplus 261,775.65
Total liabilities T $ 671,370.47
64
Document No. 10.
[Session
EXHIBIT OF POLICIES.
Policies and additions in force December 31, 1899
Written during 1900
Revived during 1900
Changed and increased during 1900
Totals
Policies terminated —
By death
By surrender
By lapse
By change and decrease
By not being taken
Total policies terminated during 1900
Policies in force December 31, 1900 _.
No. Policies.
5,070
3,841
54
978
9,949
Amount.
'22,208,470.00
10,910,007.00
247,500.00
3,987,250.00
37,359,227.00
No. Policies.
23
72
848
97S
348
Amount.
92, GOO. 00
312,500.00
3,578,900.00
3,987,250.00
1,048,100.00
2,269
9,019,350.00
,680
2S,339,S77.00
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Policies in force December 31, 1899.
Written during 1900
Terminated during 1900
In force December 31, 1900
Losses incurred during 1900
Losses paid during 1900
Premiums collected during 1900--.
No.
Policies.
Amount.
86 8
284,000.00
194
412,000.00
39
113,000.00
241
583,000.00
1
1,000.00
1
1,000.00
12,703.57
Number of agents working in State for company during year, 1.
SUN LIFE ASSURANCE COMPANY OF CANADA.
Located at Montreal, Canada. Incorporated 1865. Commenced Business 1871.
Robertson Macauley, President. T. B. Macauley, Secretary.
Cash capital, $105,000.
Amount of net or ledger assets December 31, 1899
INCOME.
Premiums on new policies ■ $ 420,503.54
Renewal premiums 1,733,366.79
Dividends applied to pay running premiums 13,136.08'
Dividends applied to purchase paid-up insurance— 30,023.41
Surrender values applied to pay running premiums. 1,131.84
Received for annuities 65,372.04
Thrift Department 84,045.82
Total premium income S 2,347,579.02
$ 8, 643, 886. 55
1903.]
Document No. 10.
65
Rents 8 24,233.85
Interest on mortgage loans
Interest on collateral loans and premium notes _
Interest and dividends on stocks and bonds V. 416,177.04
Interest on other debts due the company
Interest on deferred premiums
Profit on sales of real estate and securities 1,072.50
From all other sources 164.11
Total income
Aggregate last balance and income
DISBURSEMENTS.
Paid for losses and additions $ 489,989.22
Paid for matured endowments and additions 94,241.154
? 2, 789, 226. 52
-§ 11,433,113.07
Net amount paid for losses and matured endowments 8
Paid to annuitants
Cash dividends paid policy-holders
Dividends applied to pay running premiums
Dividends applied to purchase paid-up insurance
Surrender values paid in cash
Surrender values applied to purchase paid-up insurance
Total paid policy-holders 8 843,746.15
Interest or dividends to stockholders
Commissions and bonuses paid to agents — new policies, §247,341. 53;
renewals, $87,796.50
Salaries and allowances for agencies
Salaries of officers and home-office employees
Medical examiners' fees and inspections
Taxes on premiums, reserves, municipal and State licenses
Insuiance Department fees and agents' licenses
Rents
Advertising, printing, stationery and postage
Legal expenses
All other expenses
584,230.86
38,076.78
16,684.47
13,136.08
30,023.41
160,462.71
1,131.84
15,750.0 I
335,138.03
96,407.29
64,761.67
31,583.11
7,783.62
14,745.51
2(1,162.0?
33,208.83
3,396.48
69,689.95
Total disbursements
1,536, 172.67
Balance $ 9,896,940.40
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate $ 1,072,072.66
Loans on mortgages 3,627,855.72
Loans on collaterals 131,190.00
Loans to policy holders on this company's policies 648,073.58
Premium notes on policies in force 1,092.35
Book value of stocks and bonds 3,934,462.26
22,531.55
231,983.55
2,972.91
192,505.04
38,640.00
Cash in company's office
Cash in bank
Agents' debit balances
Policy loans under non-forfeiture agreements.
Ground rents
Total $ 9,903,379.62
Deduct ledger liabilities —
All other 3 6,439.22
6, 439. 22
Total net ledger assets $ 9,896,940.40
5
6Q Document No. 10. [Session
OTHER ASSETS.
Interest and rents due and accrued $ 176, 651. 32
Market value of bonds and stocks over book value 52, 150. 82
New
Business. Renewals.
Gross premiums due and unreported on policies in
force December 81, 1900 8 83,275.00 8 172,967.83
Gross deferred premiums on policies in force Decem-
ber 31, 1900 27,231.36 110,029.54
Totals 8 110,506.96 $ 228,997.37
Deducl cost of collection of same 33,152.09 8,669.92
8 77,354.87 $ 280,327.45
Net amount of uncollected and deferred premiums 357,682.32
Total assets $ 10,483,424.86
Deduct non-admitted assets —
Agents' debit balances unsecured 8 2,972.91
Total deductions 2,972.91
Total admitted assets $ 10,480,451.95
LIABILITIES.
Net present value of all policies in force December 31, 1900, com-
puted according to the Actuaries' Table of Mortality, with 4 per
cent, interest 8 9,814,334.02
Deduct net value of risks re-insured 5,790.91
Net reserve I 9,808,543.11
Present value of undue installment policies 8, 489. 02
Matured endowments due and unpaid $ 2,610.27
Death losses in process of adjustment or adjusted and not due — 32,943.87
Death losses reported but no proofs received 39,416.65
Due and unpaid on annuities and installment policies 1,460.00
Total policy claims 96,430.79
Unpaid dividends, etc., due policy-holders 20,659.45
Unpaid dividends and interest due stockholders 7, 875. 00
Premiums paid in advance 9, 066. 90
Accident department 98. 46
Liabilities on policy-holders' account $ 9, 951, 162. 73
Surplus 424,289.22
Capital stock paid up 105, 000. 00
Total liabilities $ 10,480,451.95
EXHIBIT OF POLICIES.
Policies and additions in foree December 31, 1899
Written during 1900
Revived during 1900
Changed and increased during 1900
Totals
No. Policies.
Amount.
48,925
8
52,806,036.00
12,606
11,819,448.00
438
309,028.00
86
8
623,900.00
62,055
65,558,412.00
1903.] Document Xo. 10. 67
Policies terminated — No. Policies. Amount.
By death 499 $ 528,871. Of
By maturity 73 97,090.00
By expiry 3 10, .500.00
By surrender 757 1,320,143.00
By lapse 7,295 3,048,473.00
By change and decrease 242 547,713.00
By not being taken 1,981) 2,024,987.00
Total policies terminated during 1900 10,849 8 7,577,777.00
Policies in force December 31, 1900 51,206 8 57,980,635.00
Policies re-insured 3 31,050.00
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
No. Policies. Amount.
Policies in force December 31, 1899 1,587 8 226,706.30
Written during 1900 424 308,255.35
Terminated during 1900 712 266,703.25
In force December 31, 1900 1,299 568,258.40
Losses unpaid December 31, 1899 706.30
Losses incurred during 1900 12,268.17
Losses paid during 1900 12,434.92
Premiums collected during 1900 17,542.66
Number of agents working in State for company during year, 32.
TRAVELERS LIFE INSURANCE COMPANY OF
CONNECTICUT.
Located at Hartford, Conn. Incorporated 1863. Commenced Business 1864.
James G. Battersox, President. John E. Morris, Secretary.
Cash capital, $1,000,000.
Amount of net or ledger assets December 31, 1899 $ 26,036,193.03
INCOME.
Premiums on new policies 8 3,972,921
Renewal premiums 2,780,510.84
Surrender values applied to pay running premiums. 397.86
Received for annuities 20,570.10
Total premium income 8 6, 774, 400. 4G
Rents 109,040.99
Interest on mortgage loans 322,873.154
Interest on collateral loans and premium notes 160,043.48
Interest and dividends on stocks and bonds 683,909.46
Interest on other debts due the company 61,487.84
Discount on claims paid in advance 1,672.47
Profit on sales of real estate and securities 48,825.79
From all other sources 22,576.03
Total income 8,184,830.16
Aggregate last balance and income $ 34, 221, 023. 19
68 Document No. 10. [Session
. DISBURSEMENTS.
Paid for losses and additions $ 2,412,003.02
Paid for matured endowments and additions 302,481.87
Net amount paid for losses and matured endowments, less re-
insurance S 2,735,544.89
Paid to annuitants 17,6J5.86
Surrender values paid in cash 155,303.28
Surrender values applied to pay running premiums 397.8(5
Total paid policy-holders S 2,908,801.89
Interest or dividends to stockholders 150,000.00
Commissions and bonuses paid to agents— new poliei-s, SI, 198,728. 21;
renewals, $150,105.70; annuities,$640.23; single premium poli-
cies, $35.14 1,349,509.28
Salaries and allowances for agencies 144,619.22
Salaries of officers and home-office employee* 200,055.06
Medical examiners' fees and inspections 91, 010.89
Taxes on premiums, reserves, municipal and State licenses 122,405.88
Taxes on real estate and investments 33,698.91
Insurance Department fees and agents' licenses 10,807.23
Repairs and expenses on real estate 132,898.06
Rents 40.348.27
Advertising, printing, stationery and postage 131,655.48
Legal expenses 29,488.90
All other expenses 35,038.07
Total disbursements $ 5,548,453.19
Balance I 28, 672, 570. 00
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate 3 1,909,891.79
Loans on mortgages 5,950,339.28
Loans on collaterals 1,182,450.00
Loans to policy-holders on this company's policies 1,586,652,20
Book value of stocks and bonds _ 16,251,060.63
Cash in company's office 3,611.73
Cash in bank 1,779,161.40
Agents' debit balances 9,402.97
Total net ledger assets $ 28. 672, 570. 00
OTHER ASSETS.
Interest and rents due and accrued 275, 551. 52
Market value of real estate over book value 161, 642. 72
Market value of stocks and bonds over book value 1, 185, 343. 62
Nr.w
Business. Renewals.
Gross premiums due and unreported on policies in
force December 31, 1900 § 105,120.85 $ 230,147.00
Gross deferred premiums on policies in force Decem-
ber 31, 1900 74,368. 10 348,478.22
Totals $ 179,488.95 $ 578,025.22
Deduct cost of collection of same 80,770.03 34,717.*
$ 98,718.92 § 543,907.71
Net amount of uncollected and deferred premiums 642, 626. 63
Total assets $ 30,937,734.49
1903.] Document No. 10. 69
Deduct non-admitted a-set- —
Agents' debit balances unsecured 8 9,402.97
Total deductions $ 9,402.97
Total admitted assets $ 30,928,331.52
LIABILITIES.
Net present value of all policies in force December 31, 1900, com-
puted according to the Actuaries' Table of Mortality, with 4 per
cent, interest $ 23,347,517.74
Deduct net value of risks re-insured 486,856.00
Net reserve -, $ 22,860,661.74
Present value of undue installment policies 1,045,536.00
Matured endowments due and unpaid S 4,047.00
Death losses in process of adjustment or adjusted and not due 116,276.15
Death losses reported but no proofs received 149,682.30
Policy claims resisted by the company 98,031.30
Policy claims resisted for employers 623,734.29
Total policy claims, less $10,000 due for re-insurance 981, 771. 04
Due and accrued for salaries, rents, etc. 110,000.00
Premiums paid in advance 18, 744. 93
Additional reserve on life policies 1, 118, 491. 00
Special reserve, Liability Department 250,000.00
Liabilities on policy-holders' account $ 26,385,204.71
Surplus 3,543, 126.81
Capital stock paid up 1,000,000.00
Total liabilities $ 30,928,331.52
EXHIBIT OF POLICIES.
No. Policies. Amount.
Policies and additions in force December 31, 1899 39,311 8 100,334,554.00
Written during 1900 7,953 18,501,577.00
Revived during 1900 53 160,489.00
Changed and increased during 1900 25,541.00
Transferred 488 1,604,733.00
Totals 47,805 $ 120,626,894.00
Policies terminated — No. Policies. Amount.
By death 507 3 1,413,887.00
By maturity 189 356,852.00
By expiry 257 740,450.00
By surrender 384 896,101.00
By lapse 1,624 3,308,177.00
By change and decrease 137 531,063.00
By not being taken 1,073 2,755,780.00
By transfer 488 1,604,733.00
Total policies terminated during 1900 4,659 11,697,043.00
Policies in force December 31, 1900 43,146 8 109,019,851.00
Policies re-insured 353 3,512,434.00
Annuities in force December 31, 19U0 56 20,379.00
70 Document No. 10. [Session
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
No. Policies. Amount.
Policies in force December 31, 1899 1,488 $ 4,471,418.00
Written during 1900 2,292 5,280,778.00
Terminated during 1900. 2,034 4,432,595.00
In force December 31,1900 1,746 4,325,601.(10
Losses unpaid December 31, 1899 3 3,600.00
Losses incurred during 1900 415 22,741.58
Losses paid during 1900 417 24,491.58
Premiums collected during 1900 ! 60,410.70
UNION CENTRAL LIFE INSURANCE COMPANY OF OHIO.
Located at Cincinnati, Ohio. Incorporated 1867. Commenced Business 1867.
John M. Pattison, President. E. P. Marshall, Secretary.
Cash capital, §100, 000.
Amount of net or ledger assets December 31, 1899 $ 22,589,627.11
INCOME.
Premiums on new policies $ 92fi,475.68
Renewal premiums 3,642,274.55
Dividends applied to pay running premiums 94,805.16
Dividends applied to purchase paid-up insurance — 35,750.79
Surrender values applied to pay running premiums, 6,904.07
Surrender values applied to purchase paid-up insur-
ance 93,133.59
Received for annuities 43,435.85
Total premium income § 4,842,779.69
Rents 30,552. SI
Interest on mortgage loans 1,157,537.64
Interest on collateral loans and premium notes 680,046.02
Interest and dividends on stocks and bonds 7,724.48
Interest on other debts due the company 177,692.97
Profit on sales of real estate and securities 4,935.25
Total income 6,289,268.86
Aggregate last balance and income $ 28, 878, 895. 97
DISBURSEMENTS.
Paid for losses and additions $ 963,241.40
Paid for matured endowments and additions 529,366.88
Net amount paid for losses and matured endowments, less re-
ceived on re-insured $ 1,484,608.34
Paid to annuitants 16,455.21
Premium notes voided by lapse 156,096.59
1903.] Document No. 10. 71
Cash dividends paid policy-holders $ 143,289.37
Dividends applied to pay running premiums 94,805.1.0
Dividends applied to purchase paid-up insurance 35,750.79
Surrender values paid in cash 97,370.70
Surrender values applied to pay running premiums 0,904.07
Surrender values applied to purchase paid-up insurance 93,133.59
Total paid policy-holders S 2,128,419.82
Interest or dividends to stockholders 10,000.00
Commissions and bonuses paid to agents— new policies, $470,842.60;
renewals, 1235,776.83; annuities, S2.171.79 708,791.22
Salaries and allowances for agencies 55,094.90
Salaries of officers and home-office employees 120,638.53
Medical examiners' fees and inspections 55,511.00
Taxes on premiums, reserves, municipal and State licenses 64,535.49
Taxes on real estate and investments 10,055.73
Insurance Department fees and agents' licences 13,595.82
Repairs and expenses on real estate 13,378.10
Rents 28,052.01
Advertising, printing, stationery and postage 40,996.35
Legal expenses 24,033.98
All other expenses 304,418.29
Total disbursements $ 3, 577, 521. 24
Balance $ 25,301,374.73
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate $ 460,012.09
Loans on mortgages 20,53S,(320.16
Loans to policy-holders on this company's policies 2,466,240.49
Premium notes on policies in force 1,046,093.98
Book value of stocks and bonds 163,912.41
Cash in company's office 970.83
Cash in bank 425,297.51
Bills receivable 29,559.59
Agents' debit balances 177,433.74
Total $ 25,309,340.80
Deduct ledger liabilities —
Agents' credit balances 8 7,966.07
7, 966. 07
Total net ledger assets $ 25,301,374.73
OTHER ASSETS.
Interest and rents due and accrued 822, 170. 96
Market value of bonds and stocks over book value 13, 887. 59
New
Business. Renewals.
Gross premiums due and unreported on policies in
force December 31, 1900 $ 172,968.85 S 165,543.21
Gross deferred premiums on policies in force Decem-
ber 31, 1900 28,352.17 78,186.66
Totals S 201,321.02 S 243,729.87
Deduct cost of collection of same 90,594.46 14,623.79
S 110.726.56 g 229,106.08
72 Document No. 10. [Session
Net amount of uncollected and deferred premiums $ 339,832.64
Single premiums uncollected, less cost of collection 9, 092. 56
Total assets 26,486.358.48
Deduct non-admitted assets —
Commissions payable to agents on premium notes when paid _J 131,389.63
Depreciation in real estate 46,061.20
Agents' debit balances unsecured 177,433.74
Bills receivable unsecured 29,559.59
Total deductions 384,444.06
Total admitted assets $ 26,101,914.42
LIABILITIES.
Net present value of all policies in force December 31, 1900, com-
puted according to the Actuaries' Table of Mortality, with 4 per
cent. 'interest $ 22,537,321.00
Deduct net value of risks re-insured 191,840.00
Net reserve $ 22,345,481.00
Present value of undue installment policies 26, 783. 00
Matured endowments due and unpaid $ 1,000.00
Death losses in process of adjustment or adjusted and not due 8,014.00
Death losses reported but no proofs received 120,072.00
Policy claims resisted by the company 59,948.00
Total policy claims, less due from solvent companies for re-
insurance 130,234.00
Unpaid dividends, etc., due policy-holders 11,109.51
Premiums paid in advance 101, 956. 78
Liabilities on policy-holders' account $ 22,615,564.29
Surplus -'-- 3,386,350.13
Capital stock paid up 100,000.00
Total liabilities $ 26, 101,914.42
EXHIBIT OF POLICIES.
No. Policies. Amount.
Policies and additions in force December 31, 1899 74,008 8 130,157,485.00
Written during 1900 10,104 32,302,156.00
Revived during 1900 353 729,845.00
Additions by dividends 57,470.00
Totals 90,585 $ 109,204,956.00
Policies terminated— No. Policies. Amount.
Reversionary additions cancelled $ 15,785.00
By death 562 985, 271. Mi
By maturity 401 r.42,665.on
By expiry — 133 247,250.00
By surrender 455 1,148,992.00
By lapse 5,097 9,240,071.00
By change and decrease 258 1,387,398.00
By not being taken 2,702 0,752,787.00
Total policies terminated during 1900 9,008 20,426,219.00
Policies in force December 31,1900 80,917 $ 148,820,737.00
Policies re-insured 454 5,422,157.00
Annuities in force December 31, 1900 06 18,079.89
1903.] Document No. 10. 73
GAIN AND LOSS EXHIBIT DURING THE YEAR.
{Upon basis of Actuaries' Mortality and 4 per cent, interest).
Surplus at beginning of the year $ 2,927, 762.00
Loading earned on premiums of insurance and annuity 841, 543. 00
Interest, rent?, etc., earned $ 1,589,607.00
Profit and loss items 208,944.00
1,380,663.00
Cost of insurance 1,328,685.00
Reserves released by surrender and lapse, of which §251,666 was
from policies upon which three years' premiums had not been
paid 522, 643. 00
Total credits $ 7,001,296.00
Insurance expenses incurred 8 1,122,221.00
Investment expenses incurred 232,649.00
$ 1, 354, 870. 00
Interest required to maintain reserve 836, S02. 00
Death losses incurred, 8982,311; annuity payments incurred, §15,386-8 997,697.00
Less ve-insuranee reserves and compromises on losses, and re-
serves released by death of annuitants 211,400.00
786, 297. 00
Surrender and lapse values allowed 351, 361. 00
Dividends to policy-holders 275, 616. 00
Dividends to stockholders 10,000.00
Guarantee fund and surplus at end of year 3, 386, 350. 00
Total debits $ 7,001,296.00
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
No. Policies. Amount.
Policies in force December 31, 1899 2,251 S 3,167,387.00
Written during 1900 495 721,411.00
Terminated during 1900 201 300,765.00
In force December 31, 1900 2,545 3,588,033.00
Losses incurred during 1900 16 20,175.00
Losses paid during 1900 . 16 18,175.00
Premiums collected during 1900. '- 123,776.93
74 Document No. 10. [Session
UNION MUTUAL LIFE INSURANCE COMPANY OF
MAINE.
Located at Portland, Maine. Incorporated 1848. Commenced Business 1849.
Fred. E. Richards, President. J. Frank Lang, Secretary.
Amount of net or ledger assets December 31, 1899 $ 7, 528, 779. 82
INCOME.
Premiums on new policies $ 299,874.12
Renewal premiums 1,213,340.36
Dividends applied to pay running premiums 16,585.01
Dividends applied to purchase paid-up insurance 24,675.41
Surrender values applied to pay running premiums. 6,928.58
Surrender values applied to purchase paid-up insur-
ance 13,766.77
Total premium income $ 1,575,176.25
Rents 21,273.58
Interest on mortgage loans 69,630.89
Interest on collateral loans and premium notes 43,060.05.
Interest and dividends on stocks and bonds 170,116.96
Interest on other debts due the company 5,649.S9
Interest on deferred premiums 1,551.90
Profit on sales of real estate and securities 68,391.98
From all other sources 5,030.51
Total income 1,959,882.01
Aggregate last balance and income $ 9, 488, 661. 83
DISBURSEMENTS.
Paid for losses and additions $ 616,266.00
Paid for matured endowments and additions 130,797.37
Net amount paid for losses and matured endowments $ 747,063.37
Paid to annuitants " 1,311.34
Premium notes restored by revival 14,535.70
Collateral loan notes 809. 50
Cash dividends paid policy-holders 13,683.05
Dividends applied to pay running premiums 16,585.01
Dividends applied to purchase paid-up insurance 24,675.41
Surrender values paid in cash 67,782.41
Surrender values applied to pay running premiums 6,928.58
Surrender values applied to purchase paid-up insurance 13,766.77
Total paid policy-holders $ 907,141.14
Com missions and bonuses paid to agents— new policies, $185,915.49;
renewals, 179,598.37 265,513.86
Salaries and allowances for agencies 118,863.86
Salaries of officers and home-office employees 68,154.11
Medical examiners' fees and inspections 34,563.25
Taxes on premiums, reserves, municipal and State licenses 26,085.12
Taxes on real estate and investments 10,397.26
1903.] Document No. 10. 75
Insurance Department fees and agents' licenses -• 0,738.34
Repairs and expenses on real estate 7,149.47
Rents 20,656. 12
Advertising, printing, stationery and postage 31,389.26
Legal expenses 9,413.49
All other expenses 19,161.73
Total disbursements 3 1,526,689.59
Balance § 7,961,972.24
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate S 1,184, 741. 'is
Loans on mortgages 1,272,791.43
Loans on collaterals 633,671.94
Loans to policy-holders on this company'.- policies 18,519. nn
Premium notes on policies in force 179,633.43
Book value of stocks and bonds 4,589,282.78
Cash in company's office 592.74
Cash in bank 47,760.39
Bills receivable 13,550.99
Agents' debit balances 20,576.83
Cash in transit December 31, 190n 849.77
Total net ledger assets $ .7,961,972.24
OTHER ASSETS.
Interest and rents due and accrued 68, 234. 55
Market value of bonds and stocks over book value 203, 660. 00
New
Business. Renewals.
Gross premiums due and unreported on policies in
force December 31, 1900 § 86,944.34 8 87,948.70
Gross deferred premiums on policies in loroe Decem-
ber 31, 1900 40,794.85 93,770.89
Totals § 127,739.19 $ 181,719.59
Deduct costof collection of same 25,547.84 30,313.92
$ 102,191.35 $ 145,375.67
Net amount of uncollected and deferred premiums 247, 567. 02
Forborne premiums to be deducted in settlement of policy claims
included in liabilities . 604. 19
Total assets $ 8,482,038.00
Deduct non-admitted assets —
Premiums more than three months past due S 5,363.10
Agents' debit balances unsecured 4,422.02
Bills receivable unsecured 14,012.08
Total deductions 23,797.20
Total admitted assets $ 8,458,240.80
LIABILITIES.
Net present value of all policies in force December 31, 190", com-
puted according, to the Actuaries' Table of Mortality, with 4
per cent, interest $ 7,769,028.00
De.duct net value of risks re-insured 3,458.00
Net reserve $ 7,766, 170.00
76 Document No. 10. [Session
Present value of undue installment policies $ 24, 952. 00
Matured endowments due and unpaid $ 12,719.49
Death losse's in process of adjustment or adjusted and not due 42,227.84
Death losses reported but no proofs received 13,780.09
Total policy claims 98, 727. 42
Unpaid dividends, etc., due policy-holders 4,072.51
Premiums paid in advance 1,038.83
All other liabilities 1,037. 00
Liabilities on policy-holders' account $ 7,895,997.76
Surplus 586,040.24
Total liabilities $ 8,482,038.00
EXHIBIT OF POLICIES.
Policies aud additions in force December 31, 1899
Written during 1900
Revived during 1900
Changed and increased during 1900
Transferred
Totals
Policies terminated — . No. Policies. Amount.
By death 332 8 600,451.54
By maturity 112 132,048.91
By expiry 450 810,372.00
By surrender 287 480,898.23
By lapse 2,44s 3,076,508.15
By change and decrease 77 211,091.85
By not being taken 1,040 1,737,408.00
By transfer ::sl 570,199.00
No. Policies.
Amount.
29,790
$
46,054,819.85
7,957
10,945,217.00
61
83,715.31
77
162,S79.26
384
570,199.00
38,2(39
«
57,816,830.45
Total policies terminated during 1900 5,130 7,624,977.68
Policies in force December 31, 1900 33,139 $ 50,191,852.77
Policies re-insured 16 115,000.00
Annuities in force December 31, 1900 9 1,311.34
GAIN AND LOSS EXHIBIT DURING THE YEAR.
{Upon basis of Actuaries' Mortality and 4 per cent, interest).
Surplus at beginning of the year $ 576, 807. 50
Loading earned on premiums of insurance and annuity 389, 496. 23
Interest, rents, etc., earned $ 313,090.01
Profit and loss items 122,035.70
435, 125. 71
Cost of insurance 515,296.00
Reserves released by surrender and lapse, of which $163, 211 was
from policies upon which three years' premiums had not been
paid 358,505.00
Total credits $ 2,275,230.44
Insurance expenses incurred $ 601,624.20
Investment expenses incurred 27,170.49
$ 628, 794. 69
Interest required to maintain reserve 302, 540r00
1903.] Document No. 10. 77
Death losses incurred, $603,450.02; annuity payments incurred,
$1,311.34 S 604,761.36
Less re-insurance reserves and compromises on losse.*, and re-
servesreleased by death of annuitants 200,092.00
$ 404, 669. 36
Surrender and lapse values allowed 298,098.00
Dividends to policy holders 55,088. 15
Guarantee fund and surplus at end of year 586, 040. 24
Totaldebits $ 2,275,230.44
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
No. Policies. Amount.
Policies in force December 31, 189!) 26 ? 77,751.22
Written during 1900 64 118,535.00
Terminated during 190U 15 19,000.00
In force December 31, 1900 75 147,286.22
Losses incurred during 1900 , 1 1,000.00
Losses paid during 1900 1 1,000.00
Premiums collected during 1900 , 4,213.79
WASHINGTON LIFE INSURANCE COMPANY OF
NEW YORK.
Located at New York City. Incorporated 18(50. Commenced Business 1860.
W. A. Brewer, Jr., President. Graham H. Brewer, Secretary.
Cash capital, §125,000.
Amount of net or ledger assets December 31, 1899 $ 15, 186, 653.08
INCOME.
Premiums on new policies $ 478,858.48
Renewal premiums 1,663,119.05
Dividends applied to pay running premiums 75,f.74.37
Dividends applied' to purchase paid-up insurance 126,457.00
Surrender values applied to purchase paid-up insur-
ance 84,079.77
Received for annuities 60,628.78
Total premium income S 2,488,817.45
Rents 277,836.12
Interest on mortgage loans 385,500.12
Interest on collateral loans and premium notes 67,362.11
Interest and dividends on stocks and bonds 78,053.54
Interest on other debts due the company 4,113.95
Interest on deferred premiums 6,921.62
Profit on sales of real estate and securities 1,860.83
Total income 3,260,495.74
Aggregate last balance and income $ 18, 447, 14S. 82
78 Document No. 10. [Session
DISBURSEMENTS.
Paid for losses and additions S 941,732.84
Paid for matured endowments and addition- 554,138.28
Net amount paid for losses and matured endowments $ 1,495,871.12
Paid to annuitants 27,925.43
Return premiums 3,388.87
Dividends applied to pay running premiums 75,674.37
Dividends applied to purchase paid-up insurance 126,457.00
Surrender values paid in cash 100,320.41
Surrender values applied to purchase paid-up insurance 84,079.77
■ Total paid policy-holders 8 1,913,716.97
Interest or dividends to stockholders 8,750.00
Commissions and bonuses paid to agents — new policies, $261, 466. 71;
renewals, $103,485.41 ; annuities, $2,931.52 367,886.64
Salaries and allowances for ageocies 141,551.81
Salaries of officers and home-office employees 115,723.13
Medical examiners' fees and inspections 67,389.84
Taxes on premiums, reserves, municipal and State licenses 39,422.75
Taxes on real estate and investments 38,941.58
Insurance Department fees and agents' licenses 2,593.87
Repairs and expenses on real estate _ 50,888.66
Rents 76,965.90
Advertising, printing, stationery and postage 32,202.38
All other expenses 24,703.36 .
Total disbursements $ 2,935,047.41
Balance $ 15,512, 101.41
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate $ 5,471,170.72
Loans on mortgages 7,688,200.00
Loans to policy-holders on this company's policies 1,142,154.60
Book value of stock sand bonds 683,013.08
Cash in company's office 51,954.99
Cash in bank 441,667.00
Agents' debit balances 25,055.00
Office furniture 8,886.03
Total net ledger assets $ 15,512, 101.41
OTHER ASSETS.
Interest and rents due and accrued 135, 457. 84
Market value of real estate over book value 241,079.28
New-
Business. Renewals.
Gross premiums due and unreported on policies in
force December 31, 1900 $ 91,959.63 $ 66,056.03
Gross deferred premiums on policies in force Decem-
ber 31, 1900 49,409.62 176,763.73
Totals $ 141,369.25 $ 242,819.76
Deduct cost of collection of same 77,187.61 14,569.19
64,1S1.64 $ 228,250.57
Net amount of uncollected and deferred premiums 292, 432. 21
Total assets $ 16, 181,070. 74
1903.] Document No. 10. 79
Deduct non-admitted assets —
Furniture, fixtures and supplies 8 8,886.02
Depreciation in bonds and stocks 2,696.25
Agents' debit balances unsecured 2,055.00
Total deductions $ 36, 737. 27
Total admitted assets $ 16, 144, 433. 47
LIABILITIES. ,
Net present value of all policies in force December 31, 1900, com-
puted according to the Actuaries' Table of Mortality, with 4
per cent, interest § 15,255,021.00
Net reserve $ 15,255,021.00
Matured endowments due and unpaid 8 27,397.85
Death losses in process of adjustment or adjusted and not due 45,355.80
Death losses reported but no proofs received 54,053.90
Total policy claims 126,807.55
Premiums paid in advance 7, 720.48
Liabilities on policy-holders' account § 15,389,549.03
Surplus 791,521.71
Capital stock paid up 125,000.00
Total liabilities $ 16, 181, 070. 74
EXHIBIT OF POLICIES.
No. Policies. Amount.
Policies and additions in force December 31, 1899 28,534 $ 57,398,572.00
Written during 1900 6,627 16,098,871.00
Revived during 1900 479 1,204,367.00
Additions by dividends 163,701.00
Totals 35,640 8 74,865,511.00
Policies terminated —
By death
By maturity
By discount
By surrender
By lapse
By not being taken
Total policies terminated during 1900 5,461 13,781,822.00
Policies in force December 31, 1900 30,179 $ 61,083,689.00
Annuities in force December 31, 1900 70 31,703.53
No. Policies.
Amount.
409
$ 958,772.00
244
5( is, 385. 00
50
lln,637.00
463
977,165.00
3,057
7,677,452.00
1,238
3,549,411.00
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
No. Policies. Amount.
Policies in force December 31, 1899 263 8 357,698.00
Written during 1900 142 162,567.00
Terminated during 1900 58 81,118.00
In force December 31, 1900 347 439,147.00
Losses incurred during 1900 6 6,536.90
Losses paid during 1900— 5 6,336.90
I Premiums collected during 1900 15,381.60
FIRE AND FIRE AND MARINE
COMPANIES.
ABSTRACTS FROM ANNUAL STATEMENTS FILED IN THIS DEPART-
MENT, SHOWING THEIR TRANSACTIONS FOR THE
YEAR OF 1900 AND THEIR CONDITION ON
THE 31ST DAY OF DECEMBER, 1900.
6
^ETNA INSURANCE COMPANY OF CONNECTICUT.
Located at Hartford, Conn. Incorporated 1819. Commenced Business 1819.
"William B. Clark, President. William H. King, Secretary.
Cash capital, $4, 000, 000.
Amount of net or ledger assets December 31, 1899 $ 10, 391, 066. 06
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums 8 5,082,040.78 $ 422,153.41
Deduct re-insurance, rebate, abatement and return
premiums 1,160,330.74 105,202.20
Net cash received for premiums $ 3.921,710.04 $ 316,951.21
4, 238, 661. 25
Deposit premiums received for perpetual risks 6, 784. 25
Rents 5,472.72
Interest received on mortgages 936. 00
Interest received on collateral loans 499. 65
Interest and dividends on stocks and bonds 507,268.30
Interest and dividends from all other sources 1, 967. 64
Profit on sale or maturity of ledger assets 450. 00
From all other sources 168. 00
Total income $ 4,762,208.66
Aggregate last balance and income $ 15, 153, 274. 72
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 2,874,883.30 8 232,389.71
Deduct salvage and re-insurance 437,118.23 68,106.35
Net cash paid for losses 8 2,437,765.07 8 164,283.38
2. 602, 048. 43
Deposit premiums returned 2,265.00
Paid stockholders (interest or dividends) : 720, 000. 00
Commissions or brokerage and allowances to agents 705, 217. 59
Salaries and fees of officers and employees 298, 358. 39
Taxes 128,011.80
Loss on sales or maturity — ledger assets 31,930.90
All other expenditures 310,907.06
Total disbursements during the year $ 4,798,739. 17
Balance December 31, 1900 $ 10,354,535.55
84 Document No. 10. [Session
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned $ 298,059.35
Loans on mortgages 15,600.00
Loans on collaterals 3,600.00
Book value of stocks and bonds 9,127,673.91
Cash in company's office 2,479.17
Cash in bank 805,816.25
Agents' debit balances 383,548.88
$ 10, 634, 298. 39
Deduct agents' credit balances $ 279,762.84
279, 762. 84
Total net or ledger assets 10, 354, 535. 55
OTHER ASSETS.
Rents and interest due and accrued 736.00
Market value of stocks and bonds over book value 2, 613, 147. 21
Uncollected premiums 472, 587. 21
Gross assets $ 13,441,005.97
Non-admitted assets —
Agents' debit balances unsecured $ 15,652.90
Depreciation in book value of real estate, etc 68,059.35
Total deductions 83,712.25
Total admitted assets $ 13,357,293.72
LIABILITIES.
Losses adjusted and unpaid $ 75,830.95
Losses in process of adjustment 438,064.33
Losses resisted 19, O92.oo
Net amount of unpaid losses $ 532,987. 28
Total unearned premiums 3, 355, 346. 29
Amount reclaimable on perpetual fire risks 70, 851. 62
Commissions due agents and brokers 118, 146. 80
Return and re-insurance premiums 70, S88. 08
Total liabilities $ 4,047,342.69
Cash capital 4,000,000.00
Net surplus 5,309,951.03
Total liabilities, including cash capital and net surplus $ 13, 3-57, 273. 92
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Prbmiums.
In force at beginning of year , $ 586,375,155.00 $ 6,606,629.53
Written during year 449,746,863.00 5,082,040.78
Total SI, 030, 122,018. 00 S 11,688,670.31
Deduct those expired and marked off as terminated 412,647,827.00 4,584,408.42
In force at end of year $ 623,474,191.00 $ 7,104,261.89
Deduct amount re-insured 69,700,987.00 772,890.02
Net amount in force at end of year S 553,773,204.00 S 6,331,371.87
Largest amount in any one hazard S 100,000.00
1903.]
Document No. 10.
85
Marine and
Inland. Premiums.
In force at beginning of year $ 6,906,484.00 8 181,276.04
Written during year 137,715,918.00 422,153.41
Total 8 144,622,402.00 8 603,429.45
Deduct those expired and marked off as terminated 137,010,697.00 368,031.90
In force at end of year 8 7,611,705.00 8 235,397.55
Deduct amount re-insured 1,249,608.00 42,699.29
Net amount in force at end of year 8 6,362,097.00 8 192,698.26
PERPETUAL RISKS.
Amount. Deposits.
In force at beginning of year 8 3,028,128.00 8 70,087.65
Written during year 273,550.00 6,784.25
Total 3 3,301,678.00 8 76,871.90
Deduct those marked off as cancelled 113,750.00 2,291.25
In force at end of year 8 3,187,928.00 8 74,580.65
Losses incurred during year 8 289.43
Losses paid during year 289.43
Largest amount in any one hazard 15,000.00
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year Fraction Amount
Written. Term. Unearned. Covered.
In 1900 1 year or less One-half 8 213,446,895.00
In 1899 2 years One-fourth 7,633,789.00
In 1900 2 years Three-fourths _. 8,658,843.00
In 1898 3 years One-sixth 69,752,800.00
In 1899 3 years One-half 74,091.945.00
In 1900-. 3 years Five-sixths 74,784,908.00
In 1897 4 years One-eighth 2,675,629.00
In 1898 4 years Three-eighths __ 4,124,591.00
In 1899 4 years Five-eighths 3,718,987.00
In 1900 4 years Seven-eighths ._ 4,136,519.00
In 1896 5 years One-tenth 13,103,820.00
In 1897 5 years Three-tenths -__ 14,866,038.00
In 1898 5 years One-halC 19,351,287.00
In 1899 5 years Seven-tenths 20,282,016.00
In 1900 5 years Nine-tenths 23,155,077.00
Perpetual 95 per cent 3,187,928.00
Premiums
Charged.
2,662,286.58
73,180.41
86,402.34
717,823.76
756,532.60
787,979.31
27,872.05
44,629.68
39,617.17
44,481.80
161,362.60
183,702.61
218,831.50
243,817.29
283,851.97
74,580.65
Premiums
Unearned.
1,331,143.29
18,295.10
64,801.74
119,637.29
377,766.30
656,649.40
3,484.00
16,736.20
24,760.70
38,921.54
16,136.26
55,110.78
109,415.75
170,672.10
255,466.71
70,851.62
Totals 8 556,961,132.00 8 6,405,952.52 8 3,329,848.78
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year
Net premiums received dur-
ing year
Increase in gross uncollected
premiums 8 37,669.63
Increase in re-insurance
fund 147,343.09
8 4,243,180.50
109,673.46
Total net premiums earned, 8 4,133,507.04
Interest, etc., received 8 516,144.31
Increase in accrued interest,
etc 305,431.35
Total interest earned-
821,575.66
5,157,615.07
86 Document No. 10. [Session
Total premiums and interest
earned 8 4,955.082.70
Net losses paid during year.? 2,602,048.43
Increase in net unpaid losses, 21 1, 476. 57
Total net losses incurred 8 2,622,525.00
Expenses paid $ 1,442,494.84
Increase in unpaid expenses, 17,726.90
Total expenses incurred 1,460,221.74
Total losses and expenses
incurred 4,082,746.74
Net gain for year $ 872,335.96
Total dividends incurred for
year 8 720,000.00
Increase in surplus for year. 152,335.96
Surplus at end of year 8 5,309,951.03
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written -•- 8 3,527,649.00
Gross premiums received 48,013.78
Losses paid - 14,254.99
Losses incurred 19,983.82
Number of agents working in the State during year, 86.
AMERICAN FIRE INSURANCE COMPANY OF NEW YORK.
Located at New York, N. Y. Incorporated 1857. Commenced Business 1857.
George S. A. Young, President. Walter S. Alley, Secretary.
Cash capital, $400,000.
Amount of net or ledger assets December 31, 1899 $ 1, 192, 897. 79
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums * 8 1,375,520.59 8- r -
Deduct re-insurance, rebate, abatement and return
premiums 433,832.96 ____
Net cash received for premiums 8 941,687.63
941,687.63
Interest received on mortgages 759. 17
Interest received on collateral loans .-« 924. 18
Interest and dividends on stocks and bonds . — ... 40, 198. 45
1903.] Document No. 10. 87
Interest and dividends from all other sources $ 834.09
Profit on sale or maturity of ledger assets 14, 666. 04
Total income 999, 069. 56
Aggregate last balance and income $ 2, 191, 967. 35
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses , $ 793,163.17 $
Deduct salvage and re-insurance 98,929.06
Net cash paid for losses S 694,234.11 $.
694, 234. 11
Commissions or brokerage and allowances to agents 195, 664. 30
Salaries and fees of officers and employees 63, 204. 31
Taxes 29,086.46
All other expenditures 62, 319. 10
Total disbursements during the year $ 1, 044, 5 08. 28
Balance December 31, 1900 $ 1, 147, 459. 07
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of stocks and bonds $ 1,044,773.17
Cash in company's office 2,358.30
Cash in bank 100,327 .67
Total net or ledger assets $ 1> 147, 459. 07
OTHER ASSETS.
Rents and interest due and accrued 2, 295. 83
Market value of stocks and bonds over book value 44, 401. 83
Uncollected premiums 230, 480. 91
Gross assets $ 1,424,637.64
Non-admitted assets —
Premiums more than three months due $ 666.00
Total deductions -"- 666. 00
Total admitted assets $ 1,423,971.64
LIABILITIES.
Losses adjusted aud unpaid $ 53,553.75
Losses in process of adjustment 72,821.70
Losses resisted 1,342.68
Net amount of unpaid losses $ 127, 718. 13
Total unearned premiums 604,355.49
Return and re-insurance premiums 7,620. 76
Total liabilities $ 711, 763. 09
Cash capital 400,000.00
Net surplus 312, 208. 55
Total liabilities, including cash capital and net surplus t> 1, 423, 971. 64
38
Document No. 10.
[Session
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year $ 156,985,845.00 $ 1,174,662.55
Written during year 180,163,840.00 1,380,488.77
Total .8 337,149,694.00 8 2,555,151.32
Deduct those expired and marked off as terminated 165,884,972.00 1,205,193.79
In force at end of year $ 171,264,722.00 $ 1,349,957.53
Deduct amount reinsured 21,600,515.00 201,255.29
Net amount in force at end of year $ 149,664,207.00 $ 1,148,702.24
Largest amount in any one hazard $ 30,000.00
RECAPITULATION OP FIRE RISKS AND PREMIUMS.
Yeak
\\ RITTEN.
In 1900 ...
1
In 1899
2
In 1900
2
In 1898
3
In 1899
3
In 1900—
3
In 1897. .
4
In 1898
4
In 1899 .
4
In 1900
4
In 1896..
5
In 1897 . .
fi
In 1898 .
5
In 1899
5
In 1900. .
5
Fraction
Unearned.
Amount
Covered
Term.
year or less One-half 8 91,871,849.00
years One-fourth
years Three-fourths
years One-sixth
years One-half
years Five-sixths
years One-eighth
years Three-eighths
years Five-eighths
years Seven-eighths
years One-tenth
years Three-tenths
years One- half ,
years Seven-tenths
years Nine-tenths
978,350.00
260,200.00
14,362,943.00
14,694,392.00
18,246,089.00
200,500.00
253,940.00
179,218.00
104,900.00
177,545.00
844,049.00
3,069,031.00
2,128,162.00
2,293,039.00
Premiums
Charged.
703,269.69
7,372.34
1,669.61
71,132.69
92,429.26
122,767.78
1,513.39
1,443.89
1,039.97
1,414.97
1,287.34
8,915.69
20,181.41
24,684.31
28,979.90
Totals 8 149,664,207.00 8 1,148,702.24
Premiums
Unearned.
381,634.85
1,843.08
1,252.21
11,855.45
46,214.63
102,306.49
189.17
541.46
1,025.00
1,238.09
128.73
2,674.70
10,090.7°
17,279.02
26,081.91
604,355.49
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year..
Net premiums received during
year
Increase in gross uncollected
premiums i 8
Increase in re-insurance fund
Total interest earned.
Total premiums and interest
earned
Net losses paid during year S
Decrease in net unpaid losses
Total net losses incurred
Expenses paid 8
Decrease in unpaid expenses
Total expenses incurred
5,934.75
55,132.76
Total net premiums earned
Interest, etc., received 8 42,715.89
Increase in accrued interest, etc., 52,229.96
694,234.11
29,409.01
342,485.23
243.20
941,687.63
49,198.01
892,489.02
94,945.85
064,825.10
342,242.03
.8 331,840.21
987,435.47
1903.] Document No. 10. 89
Total losses and expenses in-
curred 8 1,007,067.13
Net loss for year 19,631.66
Decrease in surplus for year S 19,631.66
Surplus at end of year $ 312,208.55
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fiee Risks.
Gross risks written $ 382,149.00
Gross premiums received 6,817.22
Losses paid 1 9,277.01
Losses incurred 9,327.01
Number of agents working in State during year, 31.
AMERICAN FIRE INSURANCE COMPANY OF
PENNSYLVANIA.
Located at Philadelphia, Pa. Incorporated 1810. Commenced Business 1810.
Thomas H. Montgomery, President.
Richard Maris, Secretary.
Cash capital, §500, 000.
Amount of net or ledger assets December 31, 1899 $ 2,599,075.65
INCOME.
Mabine and
Fiee. Inland.
Gross cash received for premiums $ 1,697,384.16 $
Deduct re-insurance, rebate, abatement and return
premiums 394,175.81
Net cash received for premiums $ 1,303,208.35
Deposit premiums received for perpetual risks-
Rents
Interest received on mortgages
Interest received on collateral loans
Interest and dividends on stocks and bonds---
Interest and dividends from all other sources--
Profit on sale or maturity of ledger assets
From all other sources
1,303,208.35
26, 793. 45
8, 854. 00
50, 377. 55
1, 249. 54
39, 344. 39
66.38
500.00
3, 315. 42
Total income -' $ 1,433,708.98
Aggregate last balance and income $ 4, 032, 784. 63
90 Document No. 10. [Session
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 1,096,389.44
Deduct salvage and re-insurance 108,651.20
Net cash paid for losses $ 987,738.24
$ 987, 738. 24
Deposit premiums returned 18, 154. 37
Paid stockholders (interest or dividends) 35,000.00
Commissions or brokerage and allowances to agents 294, 989. 85
Salaries and fees of officers and employees 116, 300. 00
Taxes 47,885.63
Loss on sales or maturity— ledger assets 1, 273. 48
All other expenditures 104, 874. 50
Total disbursements during the year $ 1, 606, 216. 07
Balance December 31, 1900 2,426,568.56
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned $ 404,379.50
Loans on mortgages 936,475.55
Loans on collaterals 3,800.00
Book value of stocks and bonds 772,784.78
Cash in company's office 9,310.51
Cash in bank 139,098.29
Ground rents , , 20,320.00
Agents' 1 debit balances 133,139.87
AH other 7,260.00
Total net or ledger assets— $ 2,426,568.56
OTHER ASSETS.
Rents and interest due and accrued 15, 574. 97
Market value of stocks and bonds over book value 34, 925. 47
Total admitted assets $ 2,477,069.00
LIABILITIES.
Losses adjusted and unpaid $ 37,170.40
Losses in process of adjustment 82,941.09
Losses resisted , 5,991.55
Net amount of unpaid losses $ 126, 103. 04
Total unearned premiums 1,026,228.08
Amount reclaimable on perpetual fire risks 577,377.46
Total liabilities - $ 1, 729, 708. 58
Cash capital 500,000.00
Net surplus 247,360.42
Total liabilities, including cash capital and net surplus $ 2, 477, 069. 00
1903.]
Document No. 10.
91
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year . 3 190,651,410.00 $ 2,101,712.37
Written during year 198,369,660.00 1,697,384.16
Total $ 389,021,077.00 8 3,799,096.53
Deduct those expired and marked off as terminated 190,651,410.00 1,624,128.93
In force at end of year $ 198,369,667.00 2,174,967.60
Deduct amount re-insured 10,956,468.00 124,111.50
Net amount in force at end of year .... $ 187,413,199.00 § 2,050,856.10
Largest amount in' any one hazard •? 30,000.00
RECAPITULATION OP FIRE RISKS AND PREMIUMS.
Year Fraction
Written. Teem. Unearned.
In 1900 1 year or less.One-half $
In 1900 2 years Three-fourths
In 1898 3 years One-sixth
In 1899 3 years One-half
In 1900 3 years Five-sixths
In 1897 4 years One-eighth
In 1898 4 years Three-eighths
In 1S99 4 years Five-eighths
In 1900 4 years Seven-eighths
In 1896 5 years One-tenth
In 1897 5 years , Three-tenths
In 1898 5 years One-half '
In 1899 5 years Seven-tenths
In 1900 5 years Nine-tenths
In 1894 7 years 1... One-fourteenth
In 1899 7 years Eleven-fourteenths __
In 1900 7 years Fifteen-Sixteenths.. _
In 1891 10 years One-twentieth
In 1892 10 years Three-twentieths
In 1896 10 years Eleven-twentieths ...
In 1897 10 years Thirteen-twentieths..
In 1898 10 years Three-fourths
In 1899 10 years Seventeen-twentieths
In 1900 10 years Nineteen ; twentieths _
Perpetual
Amount
Premiums
Premiums
Covered.
Charged.
Unearned.
88,581,318.00 3
1,038,501.92 5
! 519,250.96
23,5511.0(1
197.15
147.85
22,088,328.00
229,086.08
38,181.01
23,145,564.00
227,282.67
113,641.34
22,807,579.00
218,819.96
182,349.97
261,100.00
2,626.93
328.37
280,150.00
2,297.08
861.40
214,350.00
1,873.85
1,171.15
l!IU,275.0O
1,495.49
1,308.56
4,735,164.00
50,945.53
5,094.55
6,615,200.58
73,489.32
22,046.80
6,608,740.00
71,102.00
05,551.01
5,816,678.00
64,819.75
45,373.82
5,912,395.00
66,874.74
60,187.27
7,000.00
235.00
16.78
3,500.00
56.00
44.00
6,750.00
79.00
74.53
15, 20o. ini
361.00
18.0.5
1,400.00
10.50
1.57
l,4oo. oil
21.00
11.55
34,000.00
191.00
124.15
5,000.00
28.50
21.37
25,400.00
160.25
136.21
33,100.00
300.85
285.81
577,377.46
Totals S 1S7, 413, 199.00 $ 2,050,856.10 8 1,603,605. .".4
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year S
Net premiums received during
year .$ 1,311,847.43
Increase in re-insurance fund $ 54,484.29 54,484.29
Total net premiums earned
Interest, etc., received S 85,846.52
Increase in accrued interest, etc. . 23,134.91
Total interest earned.
$ 1,257,363.14
108,981.43
Total premiums and interest
earned
$ 1,360,344.57
388,934.50
92 Document No. 10. [Session
Net losses paid during year $ 987,738.24
Decrease in net unpaid losses 44,282.28
Total net losses incurred $ 943,455.90
Expenses paid $ 547,462.80
Decrease in unpaid expenses 18,000.05
Total expenses incurred 529,462.75
Total losses and expenses in-
curred $ 1,472,918.71
Net loss for year— $ 106,574.14
Dividends to stockholders 35,000.00
Total dividends incurred foryear— $ 35,000.00 •
Decrease in surplus for year 141,574.14
Surplus at end of year $ 247,3(50.42
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written $ 1,345,764.00
Gross premiums received 22,077.50
Losses paid 7,779.13
Losses incurred 8,837.83
Amount at risk 1,480,340.00
ATLANTA HOME INSURANCE COMPANY OF GEORGIA.
Located at Atlanta, Ga. Incorporated 1881- Commenced Business 1882.
Robert J. Lowry, President. Joel Hurt, Secretary.
Cash capital, $500,000.
Amount of net or ledger assets December 31, 1899 $ 682, 921. 49
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 132,499.78 8_
Deduct re-insurance, rebate, abatement and return
premiums 64,331.95 _.
Net cash received for premiums $ 68,167.83
68, 167. 83
Rents 4,568.95
Interest received on mortgages 8, 552. 25
Interest received on collateral loans 675.22
Interest and dividends on stocks and bonds 11, 060. 93
Interest and dividends from all other sources 1, 625. 79
1903.] Document No. 10. 93
Profit on sale or maturity of ledger assets $ 904. 90
From all other sources 16 - 9 "
Total income $ 95, 572. 84
Aggregate last balance and income $ 778,494.33
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 182,864.12 8
Deduct salvage and re-insurance 33,606.00
Net cash paid for losses $ 149,258.12 ?.
149, 258. 12
Commissions or brokerage and allowances to agents 12, 674. 27
Salaries and fees of officers and employees 13, 904. 20
Taxes 10,454.58
All other expenditures .- _ 12, 367. 04
Total disbursements during the year $ 198, 658. 21
Balance December 31, 1900 $ 579, 836. 12
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned $ 103,785.76
Loans on mortgages 132,508.64
Loans on collaterals 1,708.75
Book value of stocks and bonds 284,337.50
Cash in company's office 466.33
Cash in bank 56,343.55
Allother 1,760.64
$ 580, 911. 17
Deduct ledger liabilities S 1,075.05
1,075.05
Total net or ledger assets 579, 836. 12
OTHER ASSETS.
Rents and interest due and accrued 11, 981. 15
Uncollected premiums 23,184.82
Office furniture 4, 595. 53
Total admitted assets $ 619, 597. 62
LIABILITIES.
Losses adjusted and unpaid $ 5,569.62
Losses in process of adjustment 3,673.00
Losses resisted 33,375.00
Xet amount of unpaid losses, less re-insurance $ 31, 272.51
Total unearned premiums 70, 018. 40
Total liabilities $ 101,290.91
Cash capital 500,000.00
Xet surplus 18, 306. 77
Total liabilities, including cash capital and net surplus $ 619, 597. 62
94
Document No. 10.
[Session
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks.
In force at beginning of year $ 26,955,837.00
Written during year 10,510,813.00
Total $ 37,466,050.00
Deduct those expired and marked off as terminated 23,778,571.00
In force at end of year $ 13,688,079.00
Deduct amount re-insured 2,032,608.00
Net amount in force at end of year $ 11,655,471.00
Largest amount in any one hazard $ 49,000.00
Premiums.
314,571.78
122,205.74
436,777.52
261,731.20
175,046.32
26,196.48
148,849.84
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year
Written.
In 1900 1
In 1S99 2
In 1900 2
In 1898 3
In 1899 3
In 1900 3
In 1897 4
In 1898 4
In 1899 4
In 1900 4
In 1896 5
In 1897 5
In 1898-1 5
In 1899 5
In 1900 5
Fraction
Term. Unearned.
year or less One-half
years, One-fourth
years Three-fourths.
years One-sixth
Amount
Covered.
_$ 4,607,955.00
57,934.00
26,700.00
2,208,103.00
years— ..One-half 1,698,046.00
years Five-sixths
years One-eighth
years Three- eighths
years Five-eighths..
years Seven-eighths
years One-tenth
years Three-tenths..
years One-half
years Seven-tenths
years Nine-tenths
733,873.00
10,300.00
45,800.00
6,450.00
8,050.00
306,246.00
234,865.00
762,321.00
657,375.00
291,453.00
Premiums
Charged.
54,556.31
410.40
488.49
23,067.18
20,894.88
9,767.01
207.76
625.75
155.28
160.40
6,791.63
5,260.04
11,804.25
10,057.81
4,602.65
Totals $ 11,655,471.00 $ 148,849.84
Premiums
Unearuned.
27,278.15
102.60
366.36
3,844.53
10,447.44
8,139.17
25.97
234,65
97.05
140.35
679.16
1,578.01
59,02.12
7,040,46
4,142.38
70,018.40
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year-
Net premiums received during
year
Decrease in gross uncollected
premiums 8
Decrease in re-insurance fund
Total net premiums earned
Interest, etc., received 8
Increase in accrued interest, etc.,
Total interest earned
Total expenses incurred
Total losses and expenses in-
curred
Net loss for year
Decrease in surplus for year
Surplus at end of year
10,294.04
68,412.28
23,034.30
1,253.90
Total premiums and interest
earned
Net losses paid during year $ 149,258.12
Decrease in net unpaid losses 30,634.29
Total net losses incurred
Expenses paid 8 45,839.26
68,167.83
58,118.24
126,286.07
24,288.20
118,623.83
45,839.26
150,574.27
164,463.09
13,888.82
13,888.82
32,195.53
18,306.71
1903.] Document No. 10. 95
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written $ 247,900.00
Gross premiums received 3,365.04
Re-insurance premiums 61.71
Losses paid 3,330.60
Losses incurred 1,732.46
Number of agents working in State during year, 17.
BRITISH AMERICA ASSURANCE COMPANY.
Located at Toronto, Canada.
Incorporated 1833. Commenced Business in U. S. in 1874.
George A. Cox, President. P. H. Sims, Secretary.
Amount of net or ledger assets December 31, 1899 $ 1, 169, 531. 10
INCOME.
Marine and
Fire. Inland.
Gross oash received for premiums 8 1,250,405.95 $ 385,587.76
Deduct re-insurance, rebate, abatement and re-
turn premiums 259,645.68 115,005.24
Net cash received for premiums $ 990,760.27 S 270,582.52
1, 261, 342. 79
Interest and dividends on stocks and bonds 31, 114. 23
Profit on sale or maturity of ledger assets 1, 975. 06
From all other sources 38,380.27
Total income $ 1,332,812.35
Aggregate last balance and income $ 2, 502, 343. 45
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses 828,688.54 228,128.04
Deduct salvage and re-insurance 125,797.99 62,776.28
Net cash paid for losses $ 702,890.55 $ 165,351.76
868, 242. 31
Commissions or brokerage and allowances to agents 230, 378. 76
Salaries and fees of officers and employees 60, 366. 34
Taxes 40, 414. 31
All other expenditures 64, 116. 70
Total disbursements during the year $ 1, 263, 518.42
Balance December 31, 1900 $ 1,238,825.03
96 Document No. 10. . [Session
ASSETS.
AS PER LEDGER ACCOUNTS.
Loans on mortgages $ 10,000.00
Book value of stocks and bonds 964,304.06
Cash in bank 86,071.40
Agents' debit balances 177,373.29
Bills receivable 170.28
Total net or ledger assets § 1, 238, 825. 03
OTHER ASSETS.
Rents and interest due and accrued 14, 338. 37
Market value of stocks and bonds over book value 3, 144. 70
Total admitted assets $ 1, 256,308. 10
LIABILITIES.
Losses adjusted and unpaid $ 21, 935 i 20
Losses in process of adjustment 83,399.19
Losses resisted 3,598.00
Net amount of unpaid losses $ 108,932.39
Total unearned premiums 689,496.86
Total liabilities $ 798,429.25
Net surplus 457, 878. 85
Total liabilities, including casb capital and net surplus $ 1, 256, 308. 10
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year $ 129,158,982.00 $ 1,190,856.64
Written during year 105,027,258.00 1, •.'50,405.95
Total $ 234,186,240.00 8 2,441,262.59
Deduct those expired and marked off as terminated 112,105,317.00 1,113,171.26
In force at end of year — $ 122,080,923.00 $ 1,328,091.33
Deduct amount re-insured 2,014,518.00 22,183.05
Net amount in force at end of year 1 $ 120,066,405.00 8 1,305,908.28
Marine and
Inland. Premiums.
In force at beginning of year $ 2,411,469.00 $ 43,380.76
Written during year 36,916,882.00 385,587.76
Total 3 39,328,351.00 S 428,968.52
Deduct those expired and marked of! as terminated 37,357,413.00 368,939.14
Net amount in force at end of year $ 1,970,938.00 $ 60,029.38
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year Fraction Amount Premiums Premiums
Written. Term. Unearned. Covered. Charged. Unearned.
In 1900 1 year or less One-half $ 60,327,365.00 $ 775,603.52 $ 387,801.76
In 1898 3 years One-sixth 18,354,220.00 125,723.35 20,953.89
In 1899 3 years One-half 15,232,726.00 130,712.40 65,356.23
In 1900 3 years Five-sixths 12,286,324.00 127,765.47 106,471.22
In 1896 5 years One-tenth 2,272,602.00 22.862.97 2,286.30
1903.] . Document No. 10. 97
In ls.i7 5 years Three-tenths ... $ 2,614,616.00 - 20,735.G1 $ 8,020.68
In 1898 5 years One-half 3,136,364.00 29,540.05 14,770.03
In 1899 5 years Seven-tenths 3,448,749.00 35,199.90 24,639.97
In 1900 5 years Nine-tenths 2,393,449.00 31,764.89 28,588.40
Totals $ 120,066,405.00 8 1,305,908.28 $ 658,8S8.48
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year S 484,872.89
Net premiums received dur-
ing year
Increase in re-insurance
fund
Total net premiums earned-
Interest, etc., received
Increase in accrued interest,
etc
Total interest earned
Total premiums and interest
earned
IS'et losses paid during year_8
Increase in net unpaid losses,
Total net losses incurred
Expenses paid
Total expenses incurred
Total losses and expenses in-
curred
IS'et loss for year
Transferred from home of-
fice
8
1,201,342.79
89,370.22
8
$ 31,114.23
9,536.81
S
1,171,972.57
40,651.114
8 868,242.31
14,479.50
8 395,276.11
8
882,721.81
395,276.11
1.212,023.01
1,277,997.92
8
65,374.31
38,380.27
Decrease in surplus for year, 20,994.04
Surplus atend of year $ 457.S78.85
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fii;e Risks.
Gross risks written 8 016,838.00
Gross premiums received 12,825.48
Losses paid 3,042.97
Losses incurred 3,057. 17
98
Document No. 10.
[Session
BRITISH-AMERICAN INSURANCE COMPANY OF
NEW YORK.
Located at New York, N. Y. Incorporated 1898. Commenced Business 1898.
Silas P. Wood, President. Joseph M. Biggeet, Secretary.
Cash capital, $200, 000.
Amount of net or ledger assets December 31, 1899
INCOME.
Marine and
Fire. , Inland.
Gross cash received for premiums $ 355,020.28 $
Deduct re-iDsurance, rebate, abatement and re-
turn premiums 221,320.85
Net cash received for premiums $ 134,299.43 $
-$ 303, 713. 82
Interest and dividends on stocks and bonds--
Interest and dividends from all other sources-
Profit on sale or maturity of ledger assets
From all other sources
Total income
Aggregate last balance and income- -
Gross cash paid for losses
Deduct salvage and re-insurance-
Net cash paid for losses
DISBURSEMENTS.
Marine and
Fire. Inland.
8 139,050.46 $
21,220.57
134, 299. 43
8, 871. 23
695. 57
3, 194. 03
460. 52
-$ 147,520.78
-$ 451,234.60
-$ 117,829.89
Commissions or brokerage and allowances to agents
Salaries and fees of officers and employees
Taxes
All other expenditures
Total disbursements during the year
Balance December 31, 1900
ASSETS.
AS PEE LEDGER ACCOUNTS.
Book value of stocks and bonds $ 212,875.00
Cash in bank 58,631.80
All other . 9,718.27
117,829.89
42, 958. 98
3, 420. 41
3, 104. 90
2, 695. 35
-$ 170, 009. 53
-$ 281,225.07
Total net or ledger assets-
281, 225. 07
1903.]
Document No. 10.
99
OTIIER ASSETS.
Rents and interest due and accrued $
Market value of stocks and bonds over book value- --
Uncollected premiums, re-insurance
Total admitted assets
LIABILITIES.
Losses in process of adjustment
Net amount of unpaid losses, less re-insurance -
Total unearned premiums
10,806.06
583. 33
2, 375. 00
530. 69
$ 284, 714. 09
9, 286. 31
34, 490. 22
Total liabilities $ 47,776.53
Cash capital 200,000.00
Net surplus 36, 937. 56
Total liabilities, including cash capital and net surplus $ 284, 714. 09
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year 8 34,522,171,00 $ 257,315.29
Written during year 24,122,433.00 293,265.87
Total - $ 58,644,604.00
Deduct those expired and marked off as terminated 49,736,442.00
In force at end of year.
Deduct amount re-insured-
8,908,162.00 $
973,936.00
Net amount in force at end of year
Largest amount in any one hazard $
.$ 7,934,226.00 $
10,000.00
550,581.16
471,741.82
78,839.34
9,875.24
68,964.10
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Fraction
Unearned.
Year
Written. Term.
In 1900 1 year or less One-half $
In 1899 2 years One-fourth
In 1900 2 years Three-fourths ._
In 1898 3 years One-sixth
In 1899 3 years One-half
In 1900 3 years Five-sixths
In 1898 5 years One-half
In 1899 5 years Seven-tenths ___
In 1900 5 years Nine-tenths
Amount
Premiums
Premiums
Covered.
Charged.
Unearned.
5,089,101.00 $
49,444.43 $
24,722.22
27,869.00
28.70
7.18
44,424.00
215.70
161.78
264,576.00
1,101.77
183.63
786,480.00
3,777.51
1,888.75
832,531.00
5,879.60
4,899.67
189,150.00
958.02
479.01
390,408.00
3,272.70
2,290.89
309,087.00
4,285.67
3,857.09
Totals 3 7,934,226.00 $
68,964.10 $
38,490.22
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year.
Net premiums received dur-
ing year
Increase in gross uncollected
premiums $
E»ecrease in re-insurance
fund
Total net premiums earned-
62,354.41
76,021.22
134,299.43
13,666.81
147,966.24
30,067.27
100 Document No. 10. [Session
Interest, etc., received $ 9,566.80
Increase in accrued interest,
etc 5,316.42
Total interest earned $ 14,833.22
Total premiums and interest
earned $ 162,849.46
Net losses paid during year_$ 117,829.89
Decrease in net unpaid losses 13,638.90
Total net losses incurred f 104,190.99
Expenses paid $ 51,788.18
Total expenses incurred 51,788.18
Total losses and expenses in-
incurred 155,979.17
Net gain for the year $ 6,870.29
Increase in surplus for year_ 6 870.29
Surplus at end of year $ 36,937.56
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fiee Risks.
Gross risks written « g 343 qq
Gross premiums received , 169.25
Number of agents working in State during year, 1.
CALEDONIAN INSURANCE COMPANY OF GREAT
BRITAIN.
Located in TJ. S. at New York, N. Y.
Incorporated 1805. Commenced Business in U. S., 1890.
Charles H. Post, U. S. Manager. H. A. McNeil, Assistant Manager.
Cash capital, $537, 500.
Amount of net or ledger assets December 31, 1900 $ 1, 702, 812. 29
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 1,699,886.13 $
Deduct re-insurance, rebate, abatement and return
premiums 471,477.72
Net cash received for premiums $ 1,228,408.41
1, 228, 408. 41
Interest and dividends on stocks and bonds 62, 762. 90
Profit on sale or maturity of ledger assets 14, 392. 70
Total income $ 1, 305, 564. 01
Aggregate last balance and income $ 3, 008, 376. 30
1903.] Document No. 10. 101
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses S 988,840.45 $_
Deduct salvage and re-insurance 138,352.20 __
Net cash paid for losses 8 850,488.25 S-
$ 850, 488. 25
Commissions or brokerage and allowances to agents 259, 400. 45
Salaries and fees of officers and employees 90, 008. 27
Taxes 40,320.19
All other expenditures 120, 830. 16
Total disbursements during the year $ 1, 361, 047. 32
Balance December 31, 1900 $ 1, 647, 328. 98
ASSETS.
AS PER LEDGER ACCOUNTS.
Book v.alue of stocks and bonds 8 1,536,309.90
Cash in company's office r_ 903.12
Cash in bank 123,931.95
Agents' debit balances 621.28
Bills receivable 493.96
All other 9,582.80
$ 1, 671, 843. 01
Deduct agents' credit balances 8 2,356.10
All other 22,157.93
24, 514. 03
Total net or ledger assets $ 1, 647, 328. 98
OTHER ASSETS.
Rents and interest due and accrued 14, 484. 15
Market value of stocks and bonds over book value 68, 350. 10
Uncollected premiums 128, 779. 13
Gross assets $ 1,858,942.36
Non-admitted assets —
Furniture and supplies S 7,463.30
Agents' debit balances unsecured 621.28
Total deductions 8, 0S4. 58
Total admitted assets $ 1,850,857.78
LIABILITIES.
Losses adjusted and unpaid $ 78,436.12
Losses in process of adjustment 48,540.70
Losses resisted 11,196.12
Net amount of unpaid losses, less re-insurance $ 112, 465. 46
Total unearned premiums 919,157.28
All other liabilities 10,000.00
Total liabilities $ 1,041,622. 74
Net surplus 809, 235. 04
Total liabilities, including cash capital and net surplas § 1, 850, 857. 78
102
Document No. 10.
[Session
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year $ 201,164,302.00 $ 1,976,143.54
Written during year 156,983,363.00 1,702,843.15
Total $ 358,147,665.00 $ 3,678,986.69
Deduct those expired and marked off as terminated 152,761,443.00 1,598,166.24
In force at end of year $ 205,386,222.00 $ 2,080,820.45
Deduct amount re-insured 23,791,040.00 259,121.00
Net amount in force at end of year $ 181,595, 182.00 $ 1,821,699.45
Largest amount in any one hazard 8 60,000.00
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year
Written.
In 1900 1
In 1899 2
In 1900 2
In 1898 3
In 1899 3
In 1900 3
In 1897 4
In 1898 4
In 1899 4
In 1900 "__4
In 1896 5
In 1897 5
In 1898 5
In 1899 6
In 1900 5
Fraction
Term. Unearned.
year or less One-half
years One-fourth
years Three-fourths.
years One-sixth
years One-half
Amount
Covered.
.$ 88,641,802.
900,915
750,057.
. 24,322,026.
. 21,999,601.
years Five-sixths _. 23,894,458.
years One-eighth
years Three-eighths
years Five-eighths__.
years Seven-eighths .
years One- ten th
years Three- ten ths__.
years One-half
years Seven-tenths__
years Nine-tenths
236,159
548,161
459,945.
390,236,
3,130,110.
3,464,809.
4,027,267.
4,196.647
4,632,989,
00 $
00
00
00
00
00
00
00
00
00
00
00
00
00
00
Premiums
Charged.
937,721.08
7,186.27
6,221.44
208,419.35
187,825.97
211,151.90
2,182.05
4,648.22
4,560.61
4,040.55
39,442.30
51,736.15
48,138.32
51,470.06
56,955.18
Totals S 181,595,182.00 $ 1,821,699.45
Premiums
Unearned.
468,860.54
1,796.57
4,666.08
34,736.55
93,912.99
175,959.92
272.76
1,743.08
2,850.38
3,535.48
3,944.23
15,520.84
24,069.16
36,029.04
51,259.66
919,157. 2S
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of 'year
Net premiums received during
year
Increase in gross uncollected
premiums $
Increase in re-insurance fund
Total net premiums earned
Interest, etc., received
Increase in accrued interest, etc..
Total interest earned
Total premiums and interest
earned
Net losses paid during year $
Decrease in net unpaid losses __
Total net losses incurred
Expenses paid
Increase in unpaid expenses
Total expenses incurred
Total losses and expenses in-
curred
2,957.02
24,625.23
62,762.90
35,258.42
S 1,228,408.41
21,668.21
S 1,206,740.20
98,021.32
850,488.25
53,625.73
472,081.06
3,017.69
$ 1,304,761.52
796,862.52
475,098.75
814,912.80
1,271,961.27
Net gain for year.
32,800.25
1903.] Document No. 10. 103
Remitted to home office during
year 3 38,478.01
Decrease in surplus for year $ 5,677.76
Surplus at end of year $ 800,235.04
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written 3 522,092.00
Gross premiums received 8,240.05
Losses paid : 7,973.29
Losses incurred 5,391.64
Number of agents working in State during year, 43.
CAROLINA INSURANCE COMPANY OF NORTH
CAROLINA.
Located at Wilmington, N. C. Incorporated 1887. Commenced Business
D. L. Gore, President. M. S. Willard, Secretary.
Cash capital, §50,000.
Amount of net or ledger assets December 31, 1899 $> 75, 308. 73
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 19,969.91 $_
Deduct re-insurance, rebate, abatementand return
premiums 7,020.56 __
Net cash received for premiums $ 12,949.35 S-
12, 949. 35
Eents 507.50
Interest received on mortgages 2, 172. 90
Interest received on collateral loans 126. 12
Interest and dividends on stocks and bonds 850. 00
Total income § 16, 605. 87
Aggregate last balance and income $ 91,914. 60
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses 8 8,530.25 8
Deduct salvage and re-insurance l,4'.i7.17
Net cash paid for losses 8 ' 7,033.08
7, 033. 08
104
Document No. 10.
[Session
Paid stockholders (interest or dividends) $ 3, 117. 00
Commissions or brokerage and allowances to agents- 2, 865. 55
Salaries and fees of officers and employees 225. 00
Taxes 350. 17
Loss on sales or maturity — ledger assets 100.44
All other expenditures 2, 044. 57
Total disbursements during the year $ 15, 735. 81
Balance December 31, 1900 $ 76, 178. 79
ASSETS.
AS PER 'LEDGER ACCOUNTS.
Book value of real estate owned $ 5,000.00
Loans on mortgages 36,215.00
Loans on collaterals 7,275.00
Book value of stocks and bonds 20,375.00
Cash in bank 6,280.34
All other l.OTl.oi
$ 76, 219. 94
Deduct agents' credit balances 8 41.15
41.15
Total net or ledger assets $ 76, 178. 79
OTHER ASSETS.
Interest and rents due and accrued 871. 00
Market value of stocks and bonds over book value 945. 00
Total admitted assets $ 77, 994. 79
LIABILITIES.
Losses in process of adjustment S 25.00
Net amount of unpaid losses $ 25. 00
Total unearned premiums 11, 594. 11
Unpaid dividends due stockholders 112. 10
All other liabilities 41. 15
Total liabilities $ 11, 772. 36
Cash capital 50,000. 00
Net surplus 16, 222. 43
Total liabilities, including cash capital and net surplus $ 77, 994. 79
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fibe Risks. Premiums.
In force at beginning of year $ 1,269,533.00 $ 24,374.58
Written during year 959,013.00 15,518.73
Total $ 2, 229, 140. 00 $ 39,893.31
Deduct those expired and marked off as terminated 673,750.00 12,385.2°
In force at end of year $ 1,535,396.00 $ 27,508.11
Deduct amount reinsured 345,637.00 4,869.11
Net amount in force at end of year 8 1,209,759.00 $ 22,639.00
1903.]
Document No. 10.
105
Year Fraction
Written. Term. Unearned.
In 1900 1 year or less One-half $
In 1898 3 years One-sixth
In 1899 3 years One-half
In 1900 3 years Five-sixths
In 1890 5 years One-tenth
In 1897 5 years Three-tenths
In 1898 5 years One-half
In 1899 5 years Seven-tenths
In 1900 5 years Nine-tenths
Totals .
RISKS AND
PREMIUMS.
Amount
Premiums
P
REMIUMS
Covered.
Charged.
L)
NEARNED.
WO, 531. 00
$
10,910.87 S
5,455.43
140,673.00
2,009.00
334.83
213,424.00
3,072.17
1,536.08
243,568.00
3,930.91
3,275.75
9-, 62.".. on
269.09
26.91
14,415.00
354.35
106.30
5,603.00
144.71
72.35
30,489.00
253.16
177.21
29,514.00
C76.95
609.21
1,273,842.00 S
21,621.21
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Gross risks written
Gross premiums received.
Losses paid
Losses incurred
11,594.11
Fire Risks.
959,613.00
15,518.73
7,033.08
6,050.47
CITIZENS INSURANCE COMPANY OF NEW YORK.
Located at New York, N. Y. Incorporated 1836. Commenced Business 1837.
E. A. Walton, President, George H. McLean, Secretary.
Cash capital, $300, 000.
Amount of net or ledger assets December 31, 1899 $
INCOME.
Gro^s cash received for premiums $
Deduct re-insurance, rebate, abatement and re-
turn premiums
Net cash received for premiums
Marine and
Fire. Inland.
876,665.92 $
193,234.56
683,431.36 $_
Rents
Interest received on mortgages '
Interest received on collateral loans
Interest and dividends on stocks and bonds--
Interest and dividends from all other sources
Profit on sale or maturity of ledger assets
From all other sources
Total income
Aggregate last balance and income
432, 212. 04
683, 431. 36
5,311.66
1,164.00
541. 27
15, 820. 00
11.77
9, 303. 55
2, 000. 00
-I 717,583.61
-$ 1,149,795.65
106
Document No. 10.
[Session
DISBURSEMENTS.
FlEE.
Marine and
Inland.
Gross cash paid for losses
Deduct salvage and re-insurance
N»t cash paid for losses
568,627.53 $_
109,934.42 __
458,693.11 $_
Paid stockholders (interest or dividends)
Commissions or brokerage and allowances to agents
Salaries and fees of officers and employees
Taxes
All other~expenditures
Total disbursements during the year
Balance December 31, 1900
.$
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned $ 58,517.46
Loans on mortgages 20 3no.no
Loans on collaterals 15 000.00
Book value of stocks and bonds 207,782.23
Cash in company's office 2 314.0:)
Cash in bank 33,909.34
Deduct ledger liabilities $ 5,160.71
Total net or ledger assets $
OTHER ASSETS.
Rents and interest due and accrued
Market value of real estate over book value
Market value of stocks and bonds over book value
Uncollected premiums
Due from other companies
Total admitted assets $
LIABILITIES.
Losses adjusted and unpaid 8 15,504.S9
Losses in process of adjustment-
Losses resisted
27,733.11
3,108.50
Net amount of unpaid losses, less re-insurance $
Total unearned premiums
Unpaid dividends due stockholders
Salaries, rents, etc., due and accrued
Return and re-insurance premiums
Total liabilities $
Cash capital :
Net surplus j.
Total liabilities, including cash capital and net surplus $
458, 693. 11
23, 989. 30
162, 088. 67
66, 748. 08
9, 197. 18
36, 416. 30
757, 132. 64
-$ 392, 663. 01
397, 823. 72
5, 160. 71
392, 663. 01
5, 884. 83
31,482.54
183, 167. 77
146, 699. 76
8, 665. 78
76§ , 563. 69
32, 150. 00
331, 084. 50
416. 20
700. 00
2, 659. 88
367, 010. 5S
300, 000. 00
101,553.11
768, 563. 69
1903.] Document No. 10. 107
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginningof year 8 86,588,321.00 8 637,259.07
Written during year 107,348,282.00 899,380.23
Total 8 193,936,603.00 8 1,536,639.30
Deduct those expired and marked off as terminated 109,886,713.00 844,821.30
In force at end of year 8 84,049,890.00 8 G9I,818.0'<
Deduct amount re-insured 8,738,342.00 69,893.62
Net amount in force at end of year 8 75,311,548.00 $ 621,924.38
RECAPITULATION OF FIRE RISKS AXD PREMIUMS.
Year Fraction Amount Premiums Premiums
Written. Term. Unearned. Covered. Charged. Unearned.
In 1900 1 year or less One-half f 27,801,317.00 8 271,130.36 8 135,565.18
In 1899 2 years One-fourth 1,063,405.00 8,216.55 2,054.14
In 1900 2 years Three-fourths 1,313,072.00 8,322.68 6,242.01
In 1898 3 years One-sixth 12,472,762.0(1 79,692.32 13,282.05
In 1899 3 years One-half 13,066,123.00 92,320.68 46,160.34
In 1900 3 years Five-sixths 15,078,179.00 106,899.12 89,082.00
In 1897 4 years One-eighth 4(1,801. on 445.20 55.65
In 1898 4 years.... Three-eighths 46,107.00 476.38 178.64
In 1899 4 years Five-eighths 186,485. on 2,086.11 1,303.82
In 1900 4 years Seven-eighths 461,240.00 2,931.48 2,565.04
In 1896 5 years One-tenth 141, 216. no 2,091.35 209.14
In 1897 5 years Three-tenths 247,755.00 2,797.48 839.24
In 1898 5 years One-half 548,113.00 o, 703.77 3,351.88
In 1899 5 years Seven-tenths 1,502,879.00 19,175.17 13,422.(11
In 1900 5 years Nine-tenths 1,341,494.00 18,635.73 16,772.16
Totals 8 75,311,548.00 § 621,924.38 $ 331,084.50
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year $ 120,484.14
Net premiums received during
year 8 683,431.36
Increase in gross uncollected
premiums 8 2", 087.14
Increase in re-insurance fund__ 24,683.61
Total net premiums earned 678,834.89
Interest, etc., received $ 21,978.08
Increase in accrued interest, etc., 3S.338.90
Total interest earned 60,316.98
Total premiums and interest
earned $ 739,151.87
Net losses paid during year 8 458,693.11
Decrease in net unpaid losses 5,992.67
Total net losses incurred $ 452,700.44
Expenses paid 8 282,934.91
Increase in unpaid expenses 7,802.85
Total expenses incurred 290,737.76
Total losses and expenses in-
curred 733,438.20
Net gain for year 8 5,713.67
Dividends to stockholders 8 23,989.30
Dividends to scrip-holders 644.70
108
Document No. 10.
[Session
Decrease in same to stockholders, $ 10.70
— — S 10.70
Total dividends incurred for
year $ 24,644.70
Decrease in surplus for year 18,931.03
Surplus at end of year $ 101,553.11
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written $ 263,566.00
Gross premiums received 4,436.61
Re-insurance premiums 4,356.78
Losses paid 2,77".. SI
Losses incurred 2,813.67
COLOGNE (U. S. BRANCH) RE-INSURANCE COMPANY
OF GERMANY.
Located at Hartford, Conn.
Incorporated 1852. Commenced Business in U. S. 1S98.
Richard Lewis, U. S. Manager.
Deposit capital, $200, 000.
Amount of net or ledger assets December 31, 1899 $
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 413,398.06
Deduct re-insurance, rebate, abatement and return
premiums 64,537.45
Net cash received for premiums $ 348,860.61
Interest and dividends on stocks and bonds
Profit on sale or maturity of ledger assets
From all other sources
Total income *
Aggregate last balance and income $
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 131,764.57 3
Net cash paid for losses S 131,764.57 $
397, 843. 08
348, 860. 61
18, 140. 00
15, 774. 25
100, 000. 00
482, 774. 86
880, 617. 94
131,764.57
1903.]
Document No. 10.
109
Commissions or brokerage and allowances to agents $ 100, 083. 96
Taxes 5,594.73
All other expenditures 126, 375. 73
Total disbursements during the year § 363, 818. 99
Balance December 31, 1900 $ 516, 798. 95
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of stocks and bonds.
Cash in bank
513,807.09
■2, '.191. 86
Total net or ledger assets $
OTHER ASSETS.
Market value of stocks and bonds over book value
Uncollected premiums
Total admitted assets
LIABILITIES.
516, 798. 95
18, 660. 41
68, 096. 03
$ 603, 555. 39
Losses adjusted and unpaid
Losses in process of adjustment.
8,417.60
39,204.00
Netamountof unpaid losses
Total unearned premiums
Salaries, rents, etc., due and accrued
Total liabilities
Net surplus
Total liabilities, including cash capital and net surplus $
MISCELLANEOUS.
RISKS AND PREMIUMS.
In force at beginning of year-
Written during year
Fire Risks.
14,735,844.00
57,593,180.00
47,621.60
225, 870. 26
185. 40
273, 677. 26
329, 878. 13
603, 555. 39
Premiums.
123,960.72
459,044.70
Total
Deduct those expired and marked orf as terminated.
72, 329, 0-24. (X) $
26,296,596.00
583,005.42
189,361.53
In force at end of year $ 46,032,428.00 $
393,643.89
Net amount in force at end of year $ 46,032,428.00 $
Largest amount in any one hazard S 25,000.00
393,643.89
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Fraction
Unearned.
Ykar
Written. Term.
In 1900 1 year or less One-half 3
In 1899 2 years One-fourth
In 1900 2 years Three-fourths __
In 1898 3 years One-sixth
In 1899 3 years One-half
In 1900 3 years Five-sixths
In 1897 4 years One-eighth
In 1898 4 years Three-eighths ..
In 1899 4 years Five-eighths
Amount
Covered.
33,577,292.00
205,471.00
1,154,248.00
174,267.00
793,513.00
8,186,578.00
Premiums
Charged.
289,353.91!
1,435.54
6,466.67
1,485.70
8,196.78
62,747.17
Premiums
Unearned.
144,67H. its
358.89
4,850.nii
247.62
4,098.39
52,289.31
7,692.00
90,698.00
96.17
9-s. 93
36.06
618.08
110 Document No. 10. [Session
In 1900 4 years Seven-eighths _.$ 441,544.00 $ 3,800.05 $ 3,325.04
In 1896 5 years One-tenth
In 1897 5 years Three-tenths .
In 1898 5 years One-half 148,236.00 1,047.87 823.94
In 1899 5 years Seven-tenths 433,280.00 5,682.96 3,978.07
In 1900 5 years Nine-tenths 819,603.00 11,742.09 10,567.88
Totals $ 40,032,428.00 $ 393,643.89 $ 225,870.26
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year 8 378,197.39
Net premiums received dur-
ing year $ 348,860.61
Increase in gross uncollected
premiums $ 45,646.64
Increase in re-insurance
fund 157,260.58 111,013.94
Total net premiums earned, 8 237,246.67
Interest, etc., received $ 18,140.00
Increase in accrued interest,
etc 11,228.00
Total interest earned 29,368.00
Total premiums and interest
earned $ 266,614.73
Net losses paid during year_S 131,704.57
Increase in net unpaid losses, 37,294.24
Total net losses incurred $ 169,058.81
Expenses paid $ 105,891.59
Increase in unpaid expenses, 13,820.76
Total expenses incurred 119,712.35
Total losses and expenses
incurred 288,771.16
Net loss for year $ 22,150.43
Remitted to home office
during year 26,162.83
Decrease in surplus for year, $ 48,319.26
Surplus at end of year 329,878.13
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written ,_ $ 318,160.00
Re-insurance premiums received 5,078.36
Losses paid 5,517.54
Losses incurred 4,517.54
Number of agents working in State during year, 2.
1903.] Document No. 10. Ill
COMMERCIAL UNION ASSURANCE COMPANY
OF GREAT BRITAIN.
U. S. Branch Located at New York, N. Y.
Incorporated 1861. Commenced Business 1861.
A. H. Wray, Manager.
Cash capital, $1,250,000.
Amount of net or ledger assets December 31, 1899 $ 3, 170, 430. 95
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 3,140,901.02 8 101,740.40
Deduct re-insurance, rebate, abatement and return
premiums 646,694.54 1 8,557. 5S
Net cash received for premiums $ 2, 494, 207. TO $ 83,182.82
2, 577, 389. 90
Rents 44, 561. 80
Interest received on mortgages 11,032.50
Interest and dividends on stocks and bonds .--- 74, 680. 13
Profit on sale or maturity of ledger assets 6, 529. 63
From all other sources 38, 494. 93
Total income $ 2,752,688.89
Aggregate last balance and income $ 5, 923, 119. 84
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 1,899,872.25 $ 42,284.99
Deduct salvage and re-insurance 131,714.14 8,967.47
Net cash paid for losses $ 1,768,158.11 33,317.52
1,801,475.63
Commissions or brokerage and allowances to agents 492, 586. 90
Salaries and fees of officers and employees 140, 631. 61
Taxes 95,100.28
All other expenditures 254,501.03
Total disbursements during the year $ 2, 784, 295. 45
Balance December 31, 1900 $ 3,138,824.39
112 Document No. 10. [Session
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned $ 800,000.00
Loans on mortgages 230,500.00
Book value of stocks and bonds 765,740.83
Cash in company's office 10,605.86
Cash in bank 177,098.83
Due from Palatine Insurance Company 143,266.53
Bills receivable 5, 875. 67
All other 5,736.67
Total net or ledger assets $ 3,138,824.39
OTHER ASSETS.
Rents and interest due and accrued 29, 374. 25
Market value of real estate over book value 88, 148. 69
Market value of stocks and bonds over book value 117, 652. 92
Uncollected premiums 425, 495. 62
Gross assets $ 3, 799, 495. 87
Non-admitted assets —
Agents' debit balances unsecured 5$ 891. -40
Premiums more than three months due 10,504.02
Depreciation in book value real estate, etc 1,(363.12
Total deductions 13,058.54
Total admitted assets $ 3,786,437.33
LIABILITIES.
Losses adjusted and unpaid I 145, 110. on
Losses in process of adjustment 150,415.00
Losses resisted 49,500.00
Net amount of unpaid losses, less re-insurance $ 321, 649. 00
Total unearned premiums 1, 957, 128. 72
Amount reclaimable on perpetual fire risks 97, 723. 54
Eeturn and re-insurance premiums 7, 176. 57
Total liabilities _ $ 2,383,677.83
Net surplus 1,402,759.50
Total liabilities, including cash capital and net surplus $ 3, 786, 437. 33
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fikb Risks. Premiums.
In force at beginning of year $ 423,184,788.00 $ 3,929,601.28
Written during year '_ 309,974^637.00 3,226,627.04
Total | 733,159,4-25.00 $ 7,156,288.32
Deduct those expired and marked off as terminated 303,424,536.00 3,076,165.29
In force at end of year $ 429,734,889.00 $ 4,080,123.03
Deduct amount re-insured 28,017,211.00 222,799.62
Net amount in force at end of year $ 401,717,678.00 $ 3,857,323.41
Largest amount in any one hazard 8 50,000.00
1903.] Document No. 10. 113
Marine and
Inland. Premiums.
In. force at beginning of year 8 385,720.00 8 19,255.8&
Written during year 38,509,391.00 102,216.47
Total 8 38,895,111.00 J 121,472.33
Deduct those expired and marked off as terminated 38,086,015.00 85,259.67
In force at end of year . 8 809,096.00 8 30,212.66
Deduct amount re-insured 53,000.00 2,08(1.73
Net amount in force at end of year 8 756,096.00 $ 3-1,131.93
PERPETUAL RISKS.
Amount. Deposits.
In force at beginning of year . $ 5,107,328.11 8 100,737.57
Written during year 368,141.92 7,530.80
Total - 8 5,475,470.03 8 114,268.37
Deduct those marked off as cancelled 282, 303. on 5,686.66
In force at end of year S 5,193,107.03 8 108,581.71
Losses incurred during year ? 013.24
es paid during year 613.24
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year Fraction Amount Premiums ■ Premiums
Written. Term. Unearned. Covered. Charged. Unearned.
In 1900 1 year or less.One-half $163,758,831.00 $ 1,919,103.38 $ 959,551.00
In 1899 2 years One-fourth 3,198,431.00 17,820.85 4,450.71
In 1900 2 years Three-fourths 1,010,567.00 11,104.81 8,373.00
In 1898 3 years One-sixth 62,646,047.00 435,823.44 72,637.24
In 1899 3 years One-half 55,807,045.00 414,482,17 207,241.08
InlOOo 3 years... Five-sixths 55,272,574.00 441,912.10 388,260.14
In 1897 4 years One-eighth 879,916.00 7,918.72 989.84
Jn 1898 4 years Three-eighths 886,542.00 7,518.96 2,819.01
In 1899 4years ..Five-eighths 1,366,104.00 11,583.35 7,239.59
In 1900 4 years Seven-eighths 1,038,354.00 8,242.96 7,212.59
In 1890 5 years One-tenth 10,316,817.00 108,896.64 10,889.66
In 1897 5 years Three-tenths 9,891,822.00 105,380.84 31,014.24
In 1898 5 years One-half 12,366,139.00 118,334.60 59,167.30
In 1899 5 years Seven-tenths 10,473,137.00 113,554.79 79,488.36
In 19oo 5 years Nine-tenths 11, 182, 802. on 128,917.37 116,025.64
Over 5 years Pro rata 1,010,550.00 6,662.37 4, 095.47
Perpetual 95 per cent 5,193,107.00 108,581.71 97,723.54
Totals §406,910,785.00 $ 3,965,905.12 8 2,037,786.30
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year 8 1,325,610.16
Net premiums received during
year 8 2,577,389.90
Increase in gross uncollected pre-
miums 8 91,707.58
Increase in re-insurance fund 30,959.93 03,747.65
Total net premiums earned 8 2,641,137.55
Interest, etc., received S 102,465.84
Increase in accrued interest, etc. __ 15,231.32
Total interest earned 117,097.10
8
114 Document No. 10. [Session
Total premiums and interest
earned $ 2,758,834.71
Net losses paid during year $ 1,801,475.03
Decrease in net unpaid losses 48,994.00
Total net losses incurred $ 1,752,481.63
Expenses paid $ 853,566.44
Decrease in unpaid expenses 12,6S7.44
Total expenses incurred 866,253,88
Total losses and expenses in-
curred 2,618,735.51
Net gain for year $ 140,099.20
Remitted to home office during
year, less received from for-
eign companies 62,949.86
Increase in surplus for year $ 77,149.34
Surplus at end of year ig 1,402,759.50
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written $ 2,163,259.00
Gross premiums received 17,240.49
Re-insurance premiums 293.59
Losses paid 1 20,696.69
Losses incurred 26,040.61
CONTINENTAL INSURANCE COMPANY OF NEW YORK.
Located at New York, N. Y. Incorporated 1852. Commenced Business 1853.
F. C. Moore, President. Edward Lanning, Secretary.
Cash capital,; $1,000, 000.
Amount of net or ledger assets December 31, 1899 $ 8, 709, 143. 99
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums L Sf 4,929,695.41 $.
Deduct re-insurance, rebate, abatement and return
premiums 635,164.43 —
Net cash received for premiums S 4,294.530.98
4, 294, 530. 98
Rents 68, 810. 56
Interest received on mortgages 3, 769. 14
Interest and dividends on stocks and bonds 329, 437. 60
1903.] Document No. 10. 115
Interest and dividends from all other sources $ 17, 681. 35
Profit on sale or maturity of ledger assets 405, 180. 05
Total income $ 5,119,409.68
Aggregate last balance and income $ 13, 828, 553. 67
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses 3 2,357,305.30 $
Deduct salvage and re-insurance 137,005.99
.Net cash paid for losses S 2,220,299.31 8-
2, 220, 299. 31
Paid stockholders (interest or dividends) 250, 000. 00
Commissions or brokerage and allowances to agents 880, 650. 39
Salaries and fees of officers and employees 317, 278. 20
Taxes 146,785.14
All other expenditures 276, 518. 81
Total disbursements during the year $ 4,091,531.85
Balance December 31, 1900 $ 9, 737, 021. 82
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned $ 1,106,250.00
Loans on mortgages 60,210.00
Book value of stocks and bonds 7,932,147.99
Cash in company's office 2,301.01
Cash in bank 636,109.82
Total net or ledger assets $ 9,737,021.82
OTHER ASSETS.
Rents and interest due and accrued 69, 855. 06
Market value of stocks and bonds over book value 153, 732. 01
Uncollected premiums 677, 662. 58
Total admitted assets $ 10,638,271.47
LIABILITIES.
Losses in process of adjustment $ 319,335.01
Losses resisted 40,815.00
Net amount of unpaid losses, less re-insurance $ 371, 666. 75
Total unearned premiums 4, 272, 117. 52
Commissions due agents and brokers 120, 828. 56
Salaries, rents, etc., due and accrued 15,000.00
Return and re-insurance premiums 13,550.00
All other liabilities 334,569.34
Total liabilities $ 5,127,732.17
Cash capital 1,000,000.00
Reserve or guarantee fund 600, 000. 00
Net surplus--' 3,910,539.30
Total liabilities, including cash capital and net surplus $ 10, 638, 271. 47
116
Document No. 10.
[Session
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year $ 845, S8S, 9H9.no $ 7,815,812.37
Written during year 600,640,582.00 4,960,236.11
Total $1,446,529,521.00 $ 12,776,048.48
Deduct those expired and marked off as terminated 544,069,152.00 4,304,904.68
In force at end of year $ 902,460,369.00 $ 8,471,143.80
Deduct amount re-insured 21,351,398.00 233,825.50
Net amount in force at end of year $ 881,108,971.00 $ 8,237,318.29
Largest amount in any one hazard $ 100,000.00
Year
Written.
In 1900 1
In 1S99 2
In 1900 2
In 1898 3
In 1899 3
In 1900 3
In 1897 4
In 1898 4
In 1899 4
In 1900 4
In 1896 5
In 1897 5
In 1898 5
In 1899 5
In 1900 5
Over 5 years—
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Fraction
Term. Unearned.
year or less One-half
years One-fourth
years Three- fourths
years One-sixth
years One-half
years Five-sixths
years One-eighth
years Three- eighths
years Five-eighths
years Seven-eighths
years One-tenth
years Three-tenths
years One-half
years Seven-tenths
years Nine-tenths
._ Pro rata
Amount
Premiums
Premiums
Covered.
Charged.
Unearhed.
249,832,198.00 $
i 2,617,106.68
$ 1,308,553.34
3,990,038.(10
23,356.06
5,839.02
3,307,529.00
20,866.80
15,650.10
157,059,936.00
1,022,714.39
170,452.39
133,320,127.00
1,027,291.46
513,645.73
145,332,979.00
1,172,747.34
977,289.45
1,962,900.00
14,397.49
1,799.68
3,915,451.00
17,561.55
6,585,58
3,409,456.00
18,409.10
11,505.69
3,199,091.110
26,129.06
22,862.93
27,138,318.00
357,399.70
35,739.97
30,325,749.00
392,242.52
117,072.75
39,185,096.00
451,117.59
225,558.80
35,038,568.00
510,393.70
361,475.59
40,891,814.00
544,633.06
490,169.75
2,893,718.00
14,951.79
7,316.75
Totals S 881,108,971.00 $ 8,237,318.29
4,272,117.52
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year.
Net premiums received during
year
Increase in gross uncollected
premiums $
Increase in re-insurance fund __
Total net premiums earned
Interest, etc., received
Increase in accrued interest, etc.,
Total interest earned
Total premiums and interest
earned
Net losses paid during year $
Increase in net unpaid losses
Total net losses incurred
Expenses paid 8
Increase in unpaid expenses
Total expenses incurred
Total losses and expenses in-
curred
11,919.02
373,089.38
193,993.84
$ 4,294,530.98
4,306,450.00
303,780.82
| 4,002,669.18
507,083.22
2,220,299.31
47,263.88
1,574,601.37
2,043.65
2,267,563.19
1,576,645.02
_S 4,034,995.11
3 4,509,752.40
3,844,208.21
1903.] Document No. 10. 117
Net gain for year $ 725,544.19
Dividends to stockholders S 250,000.00
Total dividends incurred for
y eav 250,000.00
Increase in surplus for year $ 475,o44.19
Surplus at end of year $ 4,510,539.30
BUSINESS IN NORTH CAROLINA DURING THE YEAR. FlRE AND
Tornado Risks.
Gross risks written » 2,067,999.00
Gross premiums received 32,285.49
, ■, 12, H03.42
Losses paid '
Losses incurred - 9,817.63
EQUITABLEiFIRE INSURANCE COMPANY OF SOUTH
CAROLINA.
Located at Charleston, S. C. Incorporated 1894. Commenced Business 1895.
James F. Redding, President. Wm. G. Mazyck, Secretary.
Cash capital, $117,800.
Amount of net or ledger assets December 31, 1899 $ 126,159.02
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums S 55,787.05 $.
Deduct re-insurance, rebate, abatement and return
premiums 21,032.69 ..
Net cash received for premiums $ 34,154.96 $_
34, 154. 96
Interest received on mortgages 2, 901. 05
Interest received on collateral loans 1. 889. 28
Interest and dividends on stocks and bonds 1,525.00
Interest and dividends from all other sources 132. 30
From all other sources 3, 963. 65
Total income $_ 44, 566. 24
Aggregate last balance and income $ 170, 725. 26
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses S 12,720.39 §
Deduct salvage and re-insurance 2,043.81
Net cash paid for losses S 10,676.58 S
10, 676. 58
118
Document No. 10.
[Session
Paid stockholders (interest or dividends) $
Commissions or brokerage and allowances to agents
Salaries and fees of officers and employees
Taxes
All other expenditures
Total disbursements during the year $
Balance December 31, 1900 $
ASSETS.
AS PER LEDGER ACCOUNTS.
Loans on mortgages
Loans on collaterals
Book value of stocks and bonds.
Cash in company's office »._.
Cash in bank
All other
54,245.79
36,846.44
4(1,000.00
1,838.63
1,424.11
2,970.50
LIABILITIES
Losses adjusted and unpaid
Losses in process of adjustment.
Losses resisted
4,597.79
300.00
960.00
Net amount of unpaid losses, less re-insurance $
Total unearned premiums
Commissions due agents and brokers
Salaries, rents, etc., due and accrued
Return and re-insurance premiums
Total liabilities $
Cash capital '
Net surplus
Total liabilities, including cash capital and net surplus $
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks.
In force at beginning of year $ 2,543,768.70
Written during year 4,511,652.10
7, 068. 00
6,031.51
6, 475. 00
2, 227. 66
1,961.54
34, 440. 29
136, 284. 97
Total net or ledger assets $ 137,334.47
OTHER ASSETS.
Rents and interest due and accrued 2,80(5. 28
Market value of stocks and bonds over book value 4, 690. 00
Uncollected premiums, including re-insurance 10, 667. 70
Gross assets 1 f>
155, 498. 45
4, 879. 84
24,081.04
27.98
1, 402. 38
1, 893. 05
32, 284. 29
117, 800. 00
5,414.16
155, 498. 45
Premiums.
33,083.78
58,378.75
Total $ 7,055,420.80
Deduct those expired and marked off as terminated 3,606,577.96
91,462.53
33,821.91
In force at end of year $ 3, 448, 842. s4
Deduct amount reinsured 692,718.31
Net amount in force at end of year $
Largest amount in any one hazard $ 7,500.00
57,640.62
12,059.20
2,756,124.53
45,581.42
1903.]
Document No. 10.
119
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Fraction
Term. Unearned.
.1 year or less One-half
_3 years One-sixth
.3 years One-half
_3 years Five-sixths
.5 years One-tenth
In 1S97 5 years Three-tenths _,
In 1898 5 "years One half
In 1899 5 years Seven-tenths _.
In 1900 5 years Nine-tenths ..
Year
Written.
In 1900—
In 1898...
In 1899—
In 1900
In 1896—
Totals .
Amount
Covered.
1,427,069.30 g
159,613.85
198,165.50
294,277.33
20,200.00
14,873.55
32,285.00
27,022.00
42,175.00
$ 2,215,681.5:; $
Prejmu'jik
Charged.
30,395.29
2,835.00
3,502.39
5,690.72
350.10
390.03
718.27
616.93
1,082.69
45,581.42
Premiums
Unearned.
15,197.65
472.50
1,751.19
4,742.27
35.01
117.01
359.14
431.85
974.42
24,081.04
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year $
Net premiums received during
year S 34,154.90
Increase in gross uncollected
premiums S 90.35
Increase in re-insurauee fund — 0,837.59
Total net premiums earned
Interest, etc., received $ 10,411.28
Increase in accrued interest, etc., 2,705.50
Total interest earned.
Total premiums and interest
earned
Net losses paid during year i
Increase in net unpaid losses
Total net losses incurred
Expenses paid $
Decrease in unpaid expenses
Total expenses incurred
Total losses and expenses in-
curred
Net gain for year
Dividends to stockholders
Total dividends incurred for
year
Increase in surplus for year
Surplus at end of year.
10,299.84
2,300.52
10,525.21
458.98
0,747.24
27,407.72
13,110.78
12,000.36
16,066.23
40,524.50
28,666.59
11,857.91
7,068.00
7,06S.OO
4,789.91
024.25
5,414.16
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Gross risks written
Gross premiums received .
Re-insurance premiums _.
Losses paid
Losses incurred
Number of agents working in State during year, 22.
Fire Risks.
160,808.00
2,338.77
165.49
1,431.40
1,455.40
120 Document No. 10. [Session
EQUITABLE FIRE AND MARINE INSURANCE COMPANY
OF RHODE ISLAND.
Located at Providence, R. I. Incorporated 1859. Commenced Business 1860.
Fred. W. Arnold, President. James E. Tillixghast, Secretary.
Cash capital, §400,000.
Amount of net or ledger assets December 31, 1899 $ 830,961.45
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 548,464.13 8 7,211.70
Deductre-insuranee, rebate, abatementand return
premiums .. 85,856.80 426.12
Net cash received for premiums $ 462, 607. 33 - 6,785.64
469, 392. 97
Rents 6, 188. 00
Interest received on mortgages 7, 683. 61
Interest received on collateral loans 2,575.96
Interest and dividends on stocks and bonds 18, 558. 29
Profit on sale or maturity of ledger assets 263. 89
From all other sources 16, 038. 26
Total income - $ 520,700.98
Aggregate last balance and income $> 1,351,662.43
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 294,704.67 3 9,527.88
Deduct salvage arid re-insurance 15,018.32 5,322.00
Net rash paid fcr losses 9 279,686.35 8 4,205.88
283, 892. 23
Paid stockholders (interest or dividends) 28,000.00
Commissions or brokerage and allowances to agents 98, 894. 89
Salaries and fees of officers and employees 36,964.30
Taxes-. 18,171.43
Loss on sales or maturity — ledger assets 397. 47
All other expenditures 32, 755. 91
Total disbursements during the year $ 499, 076. 23
Balance December 31, 1900 $ 852.586.20
1903.] Document No. 10. 121
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned f 125,000.00
Loans on mortgages 145,950.00
Loans on collaterals 50,000.00
Book value of stocks and bonds 393,700.00
Cash in company's office 269.95
Cash in bank 49,905.37
Bills receivable 363.75
All other 87,337.13
Total net ledger assets $ 852,586.20
OTHER ASSETS.
Rents and interest due and accrued 1, 285. 00
Market value of stocks and bonds over book value 65, 140. 00
Gross assets $ 919, OIL 20
Non-admitted assets —
Premiums more than three month' due $ 508.02
Total deductions 50S. 02
Total admitted assets $ 918,503.18
LIABILITIES.
Losses adjusted and unpaid $ 9,608.38
Losses in process of adjustment 29,083.62
Losses resisted 3,04:;.i>'i
Net amount of unpaid losses $ 41, 735. 00
Total unearned premiums 332, 477. 22
Commissions due agents and brokers 7, 710. 10
Salaries, rents, etc., dne and accrued 3,500.00
Return and re-insurance premiums 3, 000. 00
Total liabilities $ 388, 422. 32
Cash capital 400,000.00
Net surplus 130,080.86
Total liabilities, including cash capital and net surplus '-$ 918, 503. 18
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year $ 48, 116, 709. 00 $ 518,198.52
Written during year 49,689,746.00 562,757.07
Total $ 97,806,455.00 $ 1,080,955.59
Deduct those expired and marked off as terminated 38,363,502.00 421,053.04
In force at end of year S 59,442,953.00 $ 659,902.55
Deduct amount re-insured 2,767,990.00 29,992.45
Net amount in force at end of year $ 56,674,963.00 $ 629,910.10
Largest amount in any one hazard $ 25,000.00
Marine and
Inland. Premiums.
In force at beginning of year $ 10,583.00 $ 395.41
Written during year 808,007.00 8,957.08
Total $ 618,590.00 $ 9,352.49
122 Document No. 10. [Session
Deduct those expired and marked oft as terminated $ 511,897.00 $ 3,487.71
In force at end of year $ 106,693.00 8 5,864.78
Net amount in force at end of year $ 106,693.00 $ 5,S64.78
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year. Fraction Amount Premiums Premiums
Written. Term. Unearned. Covered. Charged. Unearned.
In 1900 1 year or less— One-half $ 28,934,030.00 $ 363,761.90 $ 181,880.95
In 1899 2 years One-fourth 384,157.00 3,572.90 893.24
In 1900 2 years Three-fourths 165,287.00 1,6,75.51 1,256.63
In 1898 3 years One-sixth 3,342,312.00 31,594.03 5,265.67
In 1899 3 years One-half . 5,114,590.00 43,722.33 21,861.17
In 1900 3 years Five-sixths 6,837,614.00 63,092.96 52,577.47
In 1897 4 years One-eighth 33,350.00 267.38 33.42
In 1898 4 years Three-eighths 71,852.00 733.27 274.98
In 1S99 4 years Five-eighths 44,500.00 320.40 200.25
In 1900 4 years Seven-eighths 90, 914. no 77S.32 6S1.03
In 1896 5 years One-tenth 2,145,980.00 22,411.67 2,241.17
In 1897 5 years Three-tenths 2,190,822.00 22,003.38 6,601.01
In 1898 5 years One-half 2,084,940. oo 21,230.60 10,615.30
In 1899 5 years Seven-tenths 2,347,144.00 24,053.13 16,837.19
In 1900 5 years Nine-tenths 2,887,471.00 30,692.26 27,623.03
Totals $ 56,674,963.00 $ 629,910.10 $ 328,842.51
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year $ 176,569.69
Net premiums received during
year $ 469,392.97
Increase in gross uncollected
premiums $ 15,038.26
Increase in re-insurance fund 78,226.17 63,187.91
Total net premiums earned $ 406,205.06
Interest, etc., received $ 29,921.30
Increase in accrued interest, etc., 17,734.20
Total interest earned 47,705.50
Total premiums and interest
earned $ 453,910.56
Net losses paid-duiing year § 2S3, 892.23
Increase in net unpaid losses 0,257.00
Total net losses incurred $ 290,149.23
Expenses paid $ 181,574.96
Increase in unpaid expenses 675.20
Total expenses incurred 182,250.10
Total losses and expenses in-
curred 472,399.39
Net loss for year S 18,488.83
Dividends to stockholders 28,000.00
Totaldividendsincurredforyear, $ 28,000.00
Decrease in surplus for year 40,488.83
Surplus at end of year 130,080.86
1903.] Document No. 10. 123
FIRE ASSOCIATION OF PHILADELPHIA.
Located at Philadelphia, Pa.
Incorporated 1820. Commenced Business in 1817.
E. C. Irvin, President. Benjamin T. Herkness, Secretary.
Cash capital, $500,000.
Amount of net or ledger assets December 31, 1899 $ 5, 144, 298. 69
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 3,719,781.09 $_
Deduct re-insurance, rebate, abatement and re-
turn premiums 802, 165.. it
Net cash received for premiums > 2,917,615.58
2, 917, 615. 58
Deposit premiums received for perpetual risks 87, 929. 01
Rents 18,697.93
Interest received on mortgages 1 103, 76S. 77
Interest received on collateral loans 3, 475. 93
Interest and dividends on stocks and bonds 136, 031. 94
Interest and dividends from all other sources 1, 630. 71
Profit on sale or maturity of ledger assets 5, 704. 60
Total income $ 3,274,854.47
Aggregate last balance and income $ 8, 419, 153. 16
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses § 2,ii8<;,iji;s.i)h «
Deduct salvage and re-insurance 243,087.89
Net cash paid for losses S 1,843,580.11 8-
1,843, 5S0. 11
Deposit premiums returned 92, 876. 88
Paid' stockholders (interest or dividends) 200, 000. 00
Commissions or brokerage and allowances to agents 685, 563. 75
Salaries and fees of officers and employees ' 210, 837. 2H
Taxes 112, 147. 59
All other expenditures 137,092.21
Total disbursements during the year $ 3,282,097.80
Balance December 31, 1900 $ 5, 137,055.36
124 Document No. 10. [Session
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned $ 497,332.37
Loans on mortgages 1,506,810.89
Loans on collaterals So, 140. 01
Book value of stocks and bonds 2, 701, 580. 00
Cash in company's office 25,483.50
Cash in bank 230,701.90
Total net or ledger assets $ 5, 137, 055. 36
OTHER ASSETS.
Rents and interestdue and accrued 65, 227. 61
Market value of stocks and bonds over book value 2S0, 840. 00
Uncollected premiums, including re-insurance 694, 506. 75
Grossassets $ 6,177,629.72
Non-admitted assets —
Company's stock— owned S 40,800.00
Depreciation in book value of real estate, etc 3,732.37
Total deductions 44,532.37
Total admitted assets $ 6, 133, 097. 35
LIABILITIES.
Losses adjusted and unpaid S 170,014.02
Losses in process of adjustment 1 144,639.90
Losses resisted 40,994.71
Net amount of unpaid losses, less re-insurance $ 314, 190. 43
Total unearned premiums 2,308,360.54
Amount reclaimable on perpetual fire risks 1, 945, 077. 48
Return and re-insurance premiums 180, 219. 73
Total liabilities -' , $ 4,747,848.18
Cash capital 500,000.00
Net surplus 929, 781. 54
Total liabilities, including cash capital and net surplus $ 6, 177, 629. 72
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year S 388,091,323.00 $ 4,301,022.92
Written during year 304,327, 744.00 3,753 , 912.24
Total - $ 093,319,007.00 $ S, 115,535. 16
Deduct those expired and marked off as terminated 2S2, 037, 311.00 3,321,767.20
In force at end of year 8 410,081,750.00 $ 4,793,767.96
Deduct amount re-insured - 20,900,799.00 3 29,805.94
Net amount in force at end of year 8 383,780,957.00 S 4,403,872.02
Largest amount in any one hazard S 50,000.00
1903.] Document No. 10. 125
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year Fraction Amount Premiums Premiums
Written. Term. Unearned. Covered. Charged. Unearned.
In 1900 lyearorless One-half $154,728,229.00 8 2,085,982.38 $ 1,042,991.19
In 1899 2 years One-fourth 765,439.00 7,304.19 1,826.05
In 1900 2 years Three-fourths 864,369.00 7,510.27 5,632.71
In 1898 3 years One-sixth 51,369,316.00 455.886.39 75,981.06
In 1899 3 years One-half 42,750,412.00 457,490.28 228,745.14
In 1900 3 years Five-sixths 52,656,595.00 569,794.32 474,828.60
In 1S9T 4 years One-eighth 411, 746. no 4,434.11 554.26
In 1898 4 years Three-eighths 686, 753. oo 6,144.26 2,304.09
In 1899 4 years Five-eighths 650,487. on 6,0<)9.08 3,811.93
In 1900 4 years Seven-eighths 739,098.00 7,029.71 6,151.00
In 1896 5 years One tenth 12,988,306.00 141,255.04 14,125.50
In 1897 5 years Three tenths 14,365,865.00 148,405.42 44,521.62
In 1898 5 years One-half 15,504,954.00 169,435.93 84,717.97
In 1899 5 years Seven-tenths 16,196,752.00 176,105.71 123,273.99
In 1900 5 years Nine-tenths 19,102,636.00 220,994.93 198,895.43
Perpetual 95 per cent 88, 116, 071.00 2,116,012.61 1,945,077.48
Totals 8 471,897,028.00 8 6,579,884.63 $ 4,253,438.02
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year 8 1,039,432.84
Net premiums received during
year 8 2,912,667.71
Increase in gross uncollected
premiums S 29,196.91
Increase in re-insurance fund 215,020.56 185,823.65
Total net premiums earned 5 2,726,844.06
Interest, etc., received 8 246,391.24
Increase in accrued interest, etc., 42,770.72
Total interest earned 289,161.96
Total premiums and interest
earned 8 3,016,006.02
Net losses paid during year 8 1,843,580.11
Decrease in net unpaid losses __ 46,349.56
Total net losses incurred $ 1,797,230.55
Expenses paid 8 1,128,426.77
Total expenses incurred 1,128,426.77
Total losses and expenses in-
curred 2,925,657.32
Net loss for year 8 90,348.70
Total dividends incurred for
year 200,000.00
Decrease in surplus for year 8 109,651.30
Surplus at end of. year 929,781.54
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written 8 1,582,736.00
Gross premiums received 20,808.02
Losses paid 11,469.01
Losses incurred - 12,187.03
126
Document No. 10.
[Session
FIREMENS INSURANCE COMPANY OF MARYLAND.
Located at Baltimore, Md. Incorporated 1825. Commenced Business 1826.
F. E. S. Wolfe, President. Harry L. Riall, Secretary.
Cash capital, $900,000,.
Amount of net or ledger assets December 31, 1899 $ 838, 759. 08
Increase of paid-up capital during 1900 400, 000. 00
INCOME.
Gross cash received for premiums , $
Deduct re-insurance, rebate, abatement and return
premiums
Net cash received for premiums
Fire.
796,709.47 $
296,877.2(j ..
Marine and
Inland.
$ 499,832.21 $.
Rents
Interest and dividends on stocks and bonds-
From all other sources
499, 832. 21
8, 834. 54
21, 348. 10
121, 217, 52
Total income $ 051,232.37
Aggregate last balance and income $ 1, 889, 991. 45
DISBURSEMENTS.
Gross cash paid for losses
Deduct salvage and re-insurance
Marine and
Fire. Inland.
451,394.19 $
115,607.56
Net cash paid for losses g 335,786.63 $-
Paid stockholders (interest or dividends)
Commissions or brokerage and allowances to agents
Salaries and fees of officers and employees
Taxes
Loss on sales or maturity — ledger assets
All other expenditures —
Total disbursements during the year $ 522, 232. 26
Balance December 31, 1900 $ 1,367,759.19
335, 786. 63
39, 629. 44
73, 076. 18
13, 752. 00
30, 105. 39
129. 34
29, 753. 2S
ASSETS
AS PER LEDGER ACCOUNTS.
Book value of real estate owned.
Loans on collaterals
Book value of stock and bonds _.
Cash in company's office
Cash in bank
All other
170,000.00
20,200.00
124,907.57
5,435.19
46,058.39
558.04
Total net or ledger assets $ 1,367, 759. 19
1903.]
Document No. 10.
127
OTHER ASSETS.
Rents and interest due and accrued $ 17, 298. 94
Market value of real estate over book value 25, 000. 00
Market value of stocks and bonds over book value 21, 783.93
Uncollected premiums, re-insurance, office fixtures, etc 57, 929. 19
Gross assets
Non-admitted assets —
Furniture and supplies S 5,19S-.36
Aleuts' debit balances unsecured 558.04
$ 1, 489, 771. 25
5, 756. 40
Total deductions
Total admitted assets $ 1,484,014.85
LIABILITIES.
Losses adjusted and unpaid S 8,322.43
Losses in process of adjustment 23,540.55
Net amount of unpaid losses $ 31, 862. 98
Total unearned premiums 334, 200. 76
Unpaid dividends due stockholders 838. 56
Return and re-insurance premiums 24, 493. 90
All other liabilities 10, 000. 00
Total liabilities
Cash capital
Net surplus
Total liabilities, including cash capital and net surplus--
MISCELLANEOUS.
RISKS AND PREMIUMS.
Firk. Risks.
In force at beginning of year S 06,417,361.00
Written during year 92,336,062.00
I
Total -i § 158,753, 42:;. mi
Deduct those expired and marked off as terminated 56,995,912.00
In force at end of year $ 101,757,511.00
Deduct amount re-insured 16,045,201.00
-$ 401,396.20
900, 000. 00
182,618.65
-$ 1,484,014.85
Net amount in force at end of year S 85,712,310.00
Largest amount in any one hazard S 30,000.00
Premiums.
S 574,859.22
7S5, 829.71
1,360,688.93
521,297.58
$ 839,391.35
164,950.98
$ 674,440.37
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year
Written.
Fraction
Unearned.
Term.
In 1900 1 year or less One-hall
In 1898 3 years One-sixth
In L899 3 years One-half
In 1900 3 years Five-sixths
In 1896 5 years One-tenth
In 1897 5 years Three-tenths
In 1898 5 years One-half
In 1899 5 years Seven-tenths
In l'.n m 5 years Nine-tenths
Totals
Amount
Covered.
42,957,130.76
14,072,841.50
11,166,755.66
6,313,200.00
1,529,492.50
2,542,831.00
2,970,897.30
2,543,048.34
1,616,112.94
Premiums
Charged.
368,543.66
74,348.35
81,685.36
511,1)99.21
9,860.76
18,409.33
'S7.59
25, .'I
18,942.88
.$ 85,712,310.00 3 674,440.37
Premiums
Unearned.
! 184,271.83
12,391.39
40,842.68
41,749.35
986.08
5,522.79
13,493.79
17,894.24
17,048.61
| 334,200.76
128
Document No. 10.
[Session
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year 8 96,S69.39>
Net premiums received during •
year $ 499,832.21
Decrease in gross uncollected
premiums 8 15,822.44
Increase in re-insurance fund — 63,843.94 73,666.38
Total net premiums earned § 420,105.83
Interest, etc., received $ 2S,241.01
Increase in accrued interest, etc , ,154,566.27
Total interest earned 182,807.28
Total premiums and interest
earned 1 $ 602,973.11
Net losses paid during year $ 335,786.63
Increase in net unpaid looses 4,104.70
Total net losses incurred $ 339,891.33
Expenses paid $ 144,745.22
Decrease in unpaid expenses 7,412.70
Total expenses incurred 137,332.52
Total looses and expenses in-
curred 477,223.85
Net gain for year $ 125,749.26
Dividends to stockholders 39,629.44
Increase in same to stockholders, $ 370.56
Total dividends incurred for
year $ 40,000.00
Increase in surplus for year 85,749.26
Surplus at end of year 182,618.65
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks. •
Gross risks written $ 806,573.00
Gross premiums received 11,695.31
Re-insurance premiums » 2,415.69
Losses paid 3,863. 62
Losses incurred 4,697.42
1903.] Document No. 10. 129
FIREMAN'S FUND INSURANCE COMPANY
OF CALIFORNIA.
Located at San Francisco, Cal. Incorporated 1863. Commenced Business 1863.
William J. Dutton, President. Louis Weinmann, Secretary.
Cash capital, $1, 000, 000.
Amount of net or ledger assets December 31, 1S99 $ 3, 366, 621. 22
INCOME.
Marine and
Fire. Inland.
Gross cash received for premium? $ 2,255,417.59 $ 879,280.(30
Deduct re-insurance, rebate, abatement and return
premiums 657,924.96 556,103.55
Net cash received for premiums 8 1,597,492.03 $ 323,1S3.05
1,920,675.68
Rents 27,952.09
Interest received on mortgages 32, 609. 15
Interest received on collateral loans 9, 140.34
Interest and dividends on stocks and bonds 105, 813. 29
Interest and dividends from all other sources 2, 485. 45
Profit on sale or maturity of ledger assets 10, 826. 59
From all other sources 10, 163. 12
Total income - $ 2, 119, 665. 71
Aggregate last balance and income $ 5, 486, 286. 93
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses 3 1,236,900.34 8 542,487.50
Deduct salvage and re-insurance 247,948.60 344,990.05
Net cash paid for losses $ 988,951.74 $ 197,496.85
,1,186,448.59
Paid stockholders (interest or dividends) 120, 000. 00
Commissions or brokerage and allowances to agents 257, 301. 45
Salaries and fees of officers and employees 236, 017. 74r
Taxes 58,432.45
Loss on sales or maturity — ledger assets 4, 486. 63
All other expenditures 191,008.91
Total disbursements during the year f> 2, 063, 695. 77
Balance December 31, 1900 $ 3,422,591.16-
9
130 Document No. 10. [Session
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned $ 562,710.91
Loans on mortgages 280,187.64
Loans on collaterals 181,100.00
Book value of stocks and bonds 2,212,121.25
Cash in company's office 14,472.07
Cash in bank 176,032.43
Bills receivable 1,500.00
All other 14,435.46
$ 3,442,565.76
Deduct agents' credit balances $ 14,734.81
All other 5,239.79
19, 974. 60
Total net or ledger assets $5 3.422,591. 16
OTHER ASSETS.
Rents and interest due and accrued 7, 703. 64
Market value of real estate over book value 983. 09
Market value of stocks and bonds over book value ^ 50, 703. 75
Uncollected premiums 449, 868. 91
Total admitted assets $ 3,931,850.55
LIABILITIES.
Losses adjusted and unpaid $ 32,093.30
Losses in process of adjustment 267,363.41
Losses resisted 5,825.00
Net amount of unpaid losses, less re-insurance $ 176, 694. 22
Total unearned premiums 1, 413, 288. 18
Total liabilities $ 1, 589, 982. 40
Cash capital 1,000,000.00
Net surplus 1,341,868.15
Total liabilities, including cash capital and net surplaa $ 3, 931, 850. 55
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year 5 225,949,659.00 $ 2,692,293.65
Written during year 192,755,941.00 2,316,597.26
Total $ 41S, 705,600.00 $ 5,008,890.91
Deduct those expired and marked off as terminated 167,293,911.00 1,982,621.48
In force at end of year $ 251,411,689.00 $ 3,026,269.43
Deduct amount re-insured . 34,161,293.00 409,297.15
Net amount in force at end of year $ 217, '250, 396. 00 $ 2,016,972.28
Largest amount in any one hazard $ 125,000.00
1903.]
Document No. 10.
131
Marine and
Inland. Premiums.
In force at beginning of year $ 12,493,114.00 $ 308,107.38
Written during year 101,564,872.00 862,050.30
Total $ 114,057,986.00 $ 1,170,157.68
Deduct those expired and marked oft as terminated 103,524,793.00 831,061.85
In force at end of year $ 10,533,193.00 $ 339,095.83
Deduct amount re-insured 6,002,708.00 177,915.41
Net amount in force at end of year $ 4,530,425.00 $ 161,1S0.42
Year
Written.
In 1900 1
In 1899 2
In 1900 2
In 189S 3
In 1899 3
In 1900 3
In 1897 4
In 1898 4
In 1899 4
In 1900 4
In 1896 5
In 1897 5
In 1898 5
In 1899 5
In 1900 5
Totals
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Fraction
Term. Unearned.
year or less One-half $ 90,856,043
years One-fourth
years Three-fourths
years One-sixth
ye'ars One- half
years Five-sixths
years ..One-eighth
years Three-eighths .
years Five-eighths
years Seven-eighths
years One- tenth
years Three- tenths
years One- half
years Seven- tenths
years Nine-tenths
Amount
Premiums
Premiums
Covered.
Charged.
Unearned.
90,S56,043.00 $
1,153,362.88 $ 576,681.44
2,327,848.00
19,354.92
4,838.73
2,174,815.00
24,635.14
18,476.35
30,902,998.00
367,255.93
01,209.32
26,020,837.00
299,858.49
149,929.24
29,212,029.00
338,282.97
281,902.47
502,319.00
5,349.42
668.68
970,786.00
9,424.65
3,534.24
529,432.00
5,465.75
3,416.08
966,281.00
9,690.80
8,479.45
5.498.706.00
02,319.30
6,231.93
5,693,355.00
05,506.38
19,051.91
0,443,848.00
73,660.95
36,830.47
6,539,616.00
70,796.67
53,757.66
8,611,823.00
106,008.03
95,407.27
217,250,396.00 $ 2,010,972.28 $ 1,321,015.24
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year
Net premiums received during
year $ 1,920,675.68
Increase in gross uncollected
premiums $ 43,943.37
Increase in re-insurance fund __ 96,464.99 52,521.62
Total net premiums earned $ 1,868,154.06
Interest, etc. , received $ 167,097.82
Increase in accrued interest, etc., 49,474.82
Total interest earned 210,572.04
Total premiums and interest
earned $ 2,084,726.70
Net losses paid during year $ 1,186,448.59
Increase in Det unpaid looses 5,009.05
Total net losses incurred $ 1,191,457.64
Expenses paid 9 741,858.05
Increase in unpaid expenses 2,263.50
Total expenses incurred 744,121.55
Total losses and expenses in-
curred 1,935,579.19
Net gain for year $ 149,147.51
Dividends to stockholders 120,000.00
.8 1,312,720.64
132
Document No. 10.
[Session
Total dividends incurred for
year' $ 120,000.00
Increase in surplus for year 29,147.51
Surplus at end of year $ 1,341,868.15
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Marine and
Fire Risks. Inland.
Gross risks written $ 857,582.00 $ 512,000.00
Gross premiums received 15,889.01 2,236.00
Losses paid 12,090.77
Losses incurred 14,255.07
GEORGIA HOME INSURANCE COMPANY OF GEORGIA.
Located at Columbus, Ga. Incorporated 1859. Commenced Business 1859.
Rhodes Browne, President. Wm. C. Coart, Secretary.
Cash capital, $300,000.
Amount of net or ledger assets December 31, 1899---
INCOME.
Gross cash received for premiums $
Deduct re-insurance, rebate, abatement and return
premiums
Fire.
356,130.75 $
118,793.38 _
Marine and
Inland.
Net cash received for premiums $
237,
37
Eents
Interest received on mortgages
Interest and dividends on stocks and bonds
Profit on sale or maturity of ledger assets--
Froru all other sources
864, 580. 31
237, 337. 37
5, 278. 68
12, 057. 48
25, 204. 42
47, 762. 14
7, 063. 56
Total income $ 334,703.65
Aggregate last balance and income $ 1, 199, 283. 96
DISBURSEMENTS.
Gross cash paid for losses
Deduct salvage and re-insurance
Fire.
173,593.81 $
40,034.59 _
Marine and
Inland.
Net cash paid for Josses $ 133,559.22 $.
133, 559. 22
1903.] Document No. 10. 133
Paid stockholders (interest or dividends) $ 36, 000. 00
Commissions or brokerage and allowances to agents-. 62, 089. 26
Salaries and fees of officers and employees 17, 009. 39
Taxes 13, 818. 87
Loss on sales or maturity — ledger assets 2, 114.43
All other expenditures 37, 518. 15
Total disbursements during the year $ 302, 109. 32
Balance December 31, 1900 $ 897, 174. 64
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned $ 174,275.00
Loans on mortgages 90,843.28
Loans on collaterals 36,166.43
Book value of stocks and bonds 551,543.41
Cash in bank 79,305.42
Bills receivable 4,680.93
All other 6,646.32
Deduct borrowed money $ 46,286.15
LIABILITIES.
Losses adjusted and unpaid S 6,984.34
Losses in process of adjustment 8,555.95
Losses resisted 9,967.68
943, 460. 79
46, 286. 15
Total net or ledger assets $ 897, 174. 64
OTHER ASSETS.
Market value of stocks and bonds over book value 15, 374. 00
Uncollected premiums 50, 196. 02
Gross assets $ 962, 744. 66
Non-admitted assets —
Agents' debit balances unsecured S 3,587.33
Loans on personal security 18,717.19
Depreciation in book value real estate, etc 9,450.00
Total deductions 31,754.52
Total admitted assets $ 930, 990. 14
Net amount of unpaid losses, less re-insurance $ 19, 993. 72
Total unearned premiums 227, 383. 70
Unpaid dividends due stockholders 3, 678. 50
Total liabilities $ 251,055.92
Cash capital 300,000.00
Net surplus » 379,934.22
Total liabilities, including cash capital and net surplus $ 930, 990. 14
134
Document No. 10.
[Session
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year $ 2(5,571,824.00 $ 464,384.98
"Written during year 19,(113,104.00 356,130.G5
Total $ 46,184,988.00 $ 820,515.63
Deduct those expired and marked off as terminated 19,751,423.00 346,985.08
In force at end of year $ 2(5,433,565.00 $ 473,530.55
Deduct amount re-insured 4,170,746.00 69,599.94
Net amount in force at end of year $ 22,262,819.00 $ 403,930.61
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year
Written
Fraction
Unearned.
Amount
Covered.
Term.
In 1900 1 year or less One-half $ 11,396,565.00 $
In 1S9S 3 years One-sixth
In 1899 3 years One-half
In 1900 3 years Five-sixths __
In 1896 5 years One-tenth _..
In 1897 5 years Three-tenths.
In 1898 5 years One-half
In 1899 5 years Seven-tenths.
In 1900 5 years Nine-tenths _.
Reserve for contingencies
2,685,225.00
2,865,738.00
2,679,962.00
679,520.00
418,498.00
543,828.00
531,207.00
662,276.00
Totals S 22,262,819.00
Premiums
Charged.
171,785.04
46,974.33
52,280.30
52,642.39
19,200.86
15,417.61
15,759.98
13,275.17
16,594.93
403,930.61
Premiums
Unearned.
85,892.52
7,829.05
26,140.15
43,8(58.65
1,920.08
4,(525.28
7,879.99
9,292.57
14,935.41
25,000.00
227,383.70
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year $
Net premiums received during
year
Increase in re-insurance fund
Total net premiums earned
Interest, etc., received S
Increase in accrued interest, etc.,
Total interest earned
Total premiums and interest
earned
Net losses paid during year $
Decrease in net unpaid losses
Total net losses incurred
Expenses paid 8
Total expenses incurred
Total losses and expenses in-
curred
Net gain for year
Dividends to stockholders-
Total dividends incurred
year
Increase in surplus for year.
Surplus at end oi year__
for
42,540.58
39,145.04
140,403.40
37,561.35
102,073.96
237,337.37
20,267.43
217,069.94
79,685.62
102,842.05
102,073.96
296,755.56
204,916.01
91,839.55
36,000.00
36,000.00
55,839.55
324,094.67
379,934.22
1903.] Document No. 10. 135
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written » 1,164,132.00
Gross premiums received 14,784,30
Re-insurance premiums 1,999.30
Losses paid 5,587.62
Losses incurred 4,587.41
GERMAN ALLIANCE INSURANCE COMPANY OF
NEW YORK.
Located at New York, N. Y. Incorporated 1897. Commenced Business 1897
Adolph A. Strohn, President. Charles G. Smith, Secretary.
Cash capital, $400, 000.
Amount of net or ledger assets December 31, 1899 $ 850, 146. 43
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums 8 330,498.75 $_
Deduct re-insurance, rebate, abatement and re-
turn premiums 60,374.78
Net cash received for premiums $ 276,123.97 S-
276, 123. 97
Interest and dividends on stocks and bonds 36, 800. 58
Total income - $ 312,924.55
Aggregate last balance and income $ 1, 163, 070. 98
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 202,082.67 $
Deduct salvage and re-insurance 2,028.37
Net cash paid for losses $ 200,054.30 $.
200, 054. 30
Commissions or brokerage and allowances to agents 61, 276. 95
Salaries and fees of officers and employees 1,800.00
Taxes 19,920.89
All other expenditures 42. 15
Total disbursements during the year $ 283,094.29
Balance December 31, 1900 $ 879,976.69
136
Document No. 10.
[Session
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of stocks and bonds.
Cash in bank
853,333.75
26,642.94
Total net ox - ledger assets $
OTHER ASSETS.
Market value of stocks and bonds over book value
Uncollected premiums
Total admitted assets $
LIABILITIES.
Losses adjusted and unpaid $ 25,135.33
Losses in process of adjustment 19,642.00
Net amount of unpaid losses $>
Total unearned premiums
Salaries, rents, etc., due and accrued
Total liabilities J?
Cash capital
Net surplus--
Total liabilities, including cash capital and net surplus $
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks.
In force at beginning of year § 45,067,175.00
Written during year 41,897,984.00
Total
Deduct those expired and marked off as terminated.
86,965,159.00
35,071,438.00
In force at end of year $ 51,893,721.00
Net amount in force at end of year # $ 51,893,721.00
Largest amount in any one hazard $ 25,000.00
879, 976. 69
57, 946. 25
50, 418. 12
988,341.06
44, 777. 33
202, 620. 29
159. 15
247, 556. 77
400, 000. 00
340, 784. 29
988,341.06
Premiums.
339,958.32
348,478.69
688,437.01
293,640.92
394,796.09
394,796.09
Year
Written.
In 1900 1
In 1899 2
In 1900 2
In 1898 3
In 1899 3
In 1900 3
In 1897 4
In 1898 4
In 1899 4
In 1900 4
In 1897 5
In 1898 5
In 1899 5
In 1900 5
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Fraction Amount Premiums
Term. Unearned. Covered. Charged.
year or less One-half 3 24, 176, 571. on $ 226,266.51
years One-fourth 1,393,111.00 6,132.25
years Three-fourths _. 798,635.00 4, 707. 03
years One-sixth 7,210,383.00 37,022.44
years One-half 6,434,069.00 33,185.67
years Five-sixths 6,051,479.00 36,372.43
years One-eighth 116,998.00 1,039.16
years Three-eighths _. 241, 334. no 1,679.45
years Five-eighths 488,148.00 2,514.52
years Seven-eighths.. 283,041.00 2,331.60
years Three-tenths 620,008.00 6,552.16
years (Hie-half 2,063,012.00 12,835.10
years Seven-tenths 1, OSS, 253. 00 12,432.32
years Nine-tenths 928,679.00 10,825.45
Totals $ 51,893,721.00 $
394.796.09 $
Premiums
Unearned.
113,133.25
1,533.06
3,530.27
6,320.40
10,592.84
30,310.36
129.89
629.79
1,571.57
2,040.15
1,965.64
6.417.55
8,702.62
9,742.90
202,620.29
1903.] Document No. 10. 137
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year S 282,028.77
Net premiums received during
year 8 270,123.97
Increase in gross uncollected
premiums S 11,991. 69
Increase in re-insurance fund 15,644.29 3,652.60
Total net premiums earned S 272,471.37
Interest, etc., received s 30,800.58
Increase in accrued interest, etc., 25,144.48
Total interest earned 61,945.06
Total premiums and intere>t
earned - 334,410.43 *
Net losses paid during year g 200,054.30
Decrease in net unpaid losses 11,159.75
Total net losses incurred $ 188,894.55
Expenses paid S 83,039.99
Increase in unpaid expenses 4,320.37
Total expenses incurred 87,300.30
Total losses and expenses in-
curred 270,200.91
Net gain for year 8 58,155.52
Increase in surplus for year 58,155.52
Surplus at end of year $ 340,784.29
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written g 228,161.00
Gross premiums received 3,858.29
Losses paid 1,002.93
Losses incurred 1,002.93
Number of agents working in State during year, 19.
GERMAN AMERICAN INSURANCE COMPANY
OF NEW YORK.
Located at New York, N. Y. Incorporated 1872. Commenced Business 1872.
William N. Kremer, President. Charles G. Smith, Secretary.
Cash capital, $1, 000, 000.
Amount of net or ledger assets December 31, 1899 $ 7,263,937.59
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums S 4,037,G7S.4S S
Deduct re-insurance, rebate, abatement and return
premiums 1,042,490.40
Net cash received for premiums 8 2,995.1.;
2, 995, 188. 08
138 Document No. 10. [Session
Interest received on mortgages $ 2, 234. 45
Interest and dividends on stocks and bonds 308, 443. 87
Interest and dividends from all other sources 2,169.29
Profit on sale or maturity of ledger assets 38, 386. 49
Total income § 3,346,422.18
Aggregate last balance and income $ 10, 610, 359. 77
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 2,494,(365.51 $
Deduct salvage and re-insurance 782,208.68
Net cash paid for losses $ 1,712,456.83
1, 712, 456. 83
Paid stockholders (interest or dividends) 300, 000. 00
Commissions or brokerage and allowances to agents 482, 068. 07
Salaries and fees of officers and employees 209, 502. 70
Taxes 98,730.82
All other expenditures 326, 777. 77
Total disbursements during the year $ 3, 129,536. 19
Balance December 31, 1900 $ 7,480,823.58
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of stocks and bonds $ 15,000.00
Loans on mortgages 13,000.00
Book value of stocks and bonds 7,092,419.23
Cash in company's office 9,599.34
Cash in bank 350,805.01
Total net or ledger assets $ 7, 480, 823. 58
OTHER ASSETS.
Rents and interest due and accrued 173. 00
Market value of stocks and bonds over book value 609, 040. 77
Uncollected premiums 470, 952. 37
Total admitted assets $ 8,560,996.72
LIABILITIES.
Losses adjusted and unpaid 3 169,939.00
Losses in process of adjustment 241,677.00
Losses resisted 41 , 863.00
Net amountof unpaid losses, less re-insurance $ 371, 883. 00
Total unearned premiums 2, 742, 697. 52
Salaries, rents, etc., due and accrued 17,173.66
Return and re-insurance premiums 161, 530. 84
Total liabilities $ 3,293,285.02
Cash capital r 1,000,000.00
Net surplus 4,267, 711. 70
Total liabilities, including cash capital and net surplus $ 8, 560, 996. 72
1903.]
Document No. 10.
139
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year $ 720,917,823.00 $ 5,841,188.49
Written during year 529,306,767.00 4,731,936.23
Total SI, 250, 224, 590. 00 $ 10,573,124.72
Deduct those expired and marked off as terminated 456, 724, 930. on 4,050,183.76
In force at end of year S 793,499,660.00 8 6,522,940.96
Deduct amount re-insured 142,112,740.00 1,050,483.90
Net amount in force at end of year $ 051,386,914.00 $ 5,472,457.06
Largest amount in any one hazard $ 325,000.00
Year
Written.
In 1900 1
In 1899 2
In 1900 2
In 1S98 3
In 1899 3
In 1900 3
In 1897 4
In 1898 4
In 1899 4
In 1900 4
In 1896 5
In 1897 5
In 1898 5
In 1899 5
In 1900 5
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Fraction Amount Premiums
Term. Unearned. Covered. Charged.
year or less One-half S 205,S39,255.00 $ 2,177,353.11
years One-fourth 2,953,306.00 28,459.81
years Three-fourths __ 2,648,846.00 21,947.98
years One-sixth 122,510,278.00 780,947.87
years One-half 104,625,354.00 715,648.81
years Five-sixths 105,600,577.00 777,622.48
years One-eighth 18,294,998.00 16,016.40
years Three-eighths.. 3,300,162.00 16,524.37
years Five-eighths 2,300,191.00 13,128.85
years Seven-eighths ._ 2,083,312.00 12,386.51
years One-tenth 15,207,112.00 157,368.53
years Three-tenths — _ 2,425,317.00 181,514.79
years One-half 28,218,626.00 205,141.25
years Seven-tenths ... 18,153,704.00 185,485.67
years Nine-tenths 17,159,870.00 182,883.63
Premiums
Unearned.
1,088,676.55
7,114.95
10,460.94
130,102.48
357,824.40
i'4s, 018. 74
2,002.05
6,196.63
8,205.50
10,838.19
15,736.85
54,454.43
102,570.62
129,839.91
164,595.28
Totals _„ $ 651,386,914.00 $ 5,472,457.00 $ 2,742,697.52
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year-
Net premiums received during
year
Decrease in gross uncollected
premiums 8
Increase in re-insurance fund..
.$ 3,946,576.79
11,877.95
2,221.58
Total net premiums earned
Interest, etc., received S 312,847.61
Increase in accrued interest, etc., 210,440.32
Total interest earned.
Total losses and expenses in-
curred
S 2,995,1S8.08
14,099.53
2,981,088.55
523,287.93
Total premiums and interest
earned
Net losses paid during year $ 1,712, 456. S3
Increase in net unpaid losses 32,804.60
Total net losses incurred
Expenses paid $ 1,117,079.36
Increase in unpaid expenses 20,840.78
Total expenses incurred
1,745,321.43
1,137,920.14
$ 3,504,376.48
2,883,241.57
140 Document No. 10. [Session
Net gain for year $ G21,134.91
Dividends to stockholders 300,000.00
Total dividends incurred for
year § 300,000.00
Increase in surplus for year 321,134.91
Surplus at end of year $ 4,267,711.70
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written $ 2,816,91S.OO
Gross premiums received 16 863.51
Re-insurance premiums 29,460.39
Losses paid 25,528.65
Losses incurred 23,427.65
Number of agents working in State during year, 66.
GLOBE AND RUTGERS FIRE INSURANCE COMPANY
OF NEW YORK.
Located at New York, N. Y. Incorporated 1899. Commenced Business 1899.
E. C. Jameson, President.
Lyman Candee, Secretary.
Cash capital, S400, 000.
Amount of net or ledger assets December 31, 1899 $
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums S 382,165.70 $
Deduct re-insurance, rebate, abatement and return
premiums 76,175.59
Net cash received for premiums $ 305,990.11 S_
Rents
Interest received on mortgages
Interest and dividends on stocks and bonds-
Profit on sale or maturity of ledger assets ---
From all other sources
367, 760. 51
305, 990. 11
3, 125. 00
2, 937. 50
10, 408. 39
1, 471. 50
374. 00
Total income $ 324,306.50
Aggregate last balance and income $ 692, 067. 01
1903.] Document No. 10. 141
DISBURSEMENTS.
Making and
Fire. Inland.
Gross cash paid for losses $ 240,644.17 ? 21,490.74
Deduct salvage and re-insurance 72,051.71 959.81
Net cash paid for losses $ lfi8,592.46 20,530.93
$ 189, 123. 39
Commissions or brokerage and allowances to agents 45, 286. 09
Salaries and fees of officers and employees 13, 859. 50
Taxes 5,003.94
All other expenditures 15, 068. 87
Total disbursements during the year $ 268, 341. 79
Balance December 31, 1900 S 423, 725. 22
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned J$ 64,500.00
Loans on mortgages 58,700.00
Book value of stocks and bonds 265,214.24
Cash in company's office 2,959.31
Cash in bank 65,310.98
Bills receivable 5,000.00
$ 458, 725. 22
Deduct borrowed money § 35,000.00
35, 000. 00
Total net or ledger assets $ 423,725.22
OTHER ASSETS.
Bents and interest due and accrued 4,832.55
Market value of real estate over book value 1, 000. 00
Market value of stocks and bonds over book value 102, 285. 51
Uncollected premiums 93, 301. 83
Total admitted assets $ 625, 145. 11
LIABILITIES.
Losses adjusted and unpaid $ 1,611.72
Losses in process of adjustment 39,266.71
Losses resisted 850.00
Net amount of unpaid losses, less re-insurance $ 41,230.07
Total unearned premiums 160,807.70
Total liabilities '. $ 202, 037. 77
Cash capital 400,000.00
Net surplus 23,107.34
Total liabilities, including cash capital and net surplus $ 625, 145. 11
142
Document No. 10.
[Session
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year $ 42,681,900.00 $ 400,875.02
Written during year 29,550,000.00 412,704.75
Total - — S 72,231,900.00 $ 819,579.77
Deduct those expired and marked off as terminated 48,235,003.00 503,452.78
In force at end of year.
Deduct amount re-insured.
23,996,897.00 8
77,382.00
316,120.99
438.52
Net amount in force at end of year $ 23,919,515.00 $
315,688.47
Year
Written.
In 1900...
In 1899—
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Fraction
Term. Unearned.
.1 year or less One-half $ 22,788,918.00
.2 years One fourth
In 1900 2 years Three-fourths.
In 1898 3 years One-sixth
In 1899 3 years One-half
In 1900 3 years Five-sixths ...
In 1900 5 years Nine-tenths ...
Amount
Premiums
Premiums
Covered.
Charged.
Unearned.
12,788,918.00 $ 303,916.82 $ 151,958.41
148,287.00
2,247.51
1,685.63
51,390.00
520.99
86.83
120,780.00
1,467.48
733.74
803,000.00
6,585.17
5,4S7.64
17,140.00
950.50
855.45
Totals $ 23,919,515.00
315,688.47 $
160,807.70
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year S
Net premiums received during
3,038.94
year
Increase in gross uncollected
premiums $ 30,539.05
Increase in re-insurance fund 133.975. 16
Total net premiums earned
Interest, etc., received 14,331.25
Increase in accrued interest, etc. 33,686.48
305,990.11
103,436.11
Total interest earned.
202,554.00
48,017.73
Total premiums and interest
earned
Net losses paid during year § 189,123.39
Decrease in net unpaid losses 34,793.41
Total net losses incurred
Expenses paid „ $ 77. 078.76
Decrease in unpaid expenses 905.41
250,571.73
Total expenses incurred.
154,329.98
76,173.35
Total losses and expenses in-
curred
Net gain for year
Increase in surplus for year
Surplus at end of year
230,503.33
20,068.40
20,068.40
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
23,107.34
Gross risks written
Gross premiums received .
Losses paid
Losses incurred
Fire Risks.
.$ 625,000.00
11,499.59
4,738.05
5,638.05
Number of agents working in State during year, 27.
1903.] Document No. 10. 143
THE GREENWICH INSURANCE COMPANY OF
NEW YORK.
Located at New York, N. Y. Incorporated 1834. Commenced Business 1835.
Mason A. Stone, President. Walter B. Ward, Secretary.
Cash capital, S2Q0, 000.
Amount of net or ledger assets December 31, 1899 8 990, 703. 40
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 1,684,444.33 S 205,188.49
Deduct re-insurance, rebate, abatement and re-
turn premiums 307,035.96 26,994.47
Net cash received for premiums S 1,286,808.37 S 178,194.02
1,465,002.39
Rents 16,125.00
Interest and dividends on stocks and bonds 45, 422. 47
Interest and dividends from all other sources 7. 24
Profit on sale or maturity of ledger assets 3,739.63
From all other sources 869. 58
Total income I 1,531,166.31
Aggregate last balance and income § 2, 521, 869. 71
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ S7(i,629.r,2 8 105,221.13
Deduct salvage and re-insurance 137,379.87 15,2ij9.9i>
Net cash paid for losses $ 739,249.75 3 89,951.23
829, 200. 98
Paid stockholders (interest or dividends) 20,000.00
Commissions or brokerage and allowances to agents 287, 248. 20
Salaries and fees of officers and employees 133, 764. 17
Taxes 38,726.42
Loss on sales or maturity — ledger assets 11, 715. 84
All other expenditures 202,256.22
Total disbursements during the year $ 1,522,911.83
Balance December 31, 1900 $ 998,957.88
144 Document No. 10. [Session
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned $ 127,500.00
Book value of stocks aud bonds 946,063.42
Cash in company's office 15,616.95
Cash in bank 12,945.28
Bills receivable 13,991.07
.All other 1,754.90
$ 1,117,871.62
Deduct borrowed money $ 117,000.00
All other 1,91:5.71
118, 913. 74
Total net or ledger assets $ 998,957.88
OTHER ASSETS.
Market value of real estate over book value 172,500.00
Market value of stocks and bonds over book value 308, 386. 58
Uncollected premiums 241, 820. 66
Grosd assets $ 1,721,665.12
Non-admitted assets —
Depreciation in book value real estate, etc $ 5,000.00
Total deductions 5, 000. 00
Total admitted assets $ 1, 716, 665. 12
LIABILITIES.
Losses adjusted and unpaid 8 9,666.29
Losses in process of adjustment 167,138.78
Losses resisted 7,775.00
Net amount of unpaid losses, less re-insurance $ 166, 965. 20
Total unearned premiums — 1,123,126.19
Amount reclaimable on perpetual fire risks 931. 50
Salaries, rents, etc., due and accrued 5,000.00
Keturn and re-insurance premiums 20, 124. 75
Total liabilities $ 1,316,147.64
Cash capital 200,000.00
Net surplus 200,517.48
Total liabilities, including cash capital and net surplus $ 1, 716, 665. 12
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year $ 263,037,812.00 $ 1,684,496.57
Written during year 211,775,301.00 1,785,380.36
Total $ 474,813,113.00 $ 3,469,876.93
Deduct those expired and marked off as terminated 164,428,586.00 1,223,500.79
In force at end of year $ 310,384,527.00 $ 2,246,376.14
Deduct amount re-insured 29,559,597.00 . 242,701.91
Net amount in force at end of year 8 280,824,930.00 $ 2,003,674.23
1903.]
Document No. 10.
145
Marine and
Inland.
In force at beginning of year $ 2,090,204.00
Written during year 53,118,216.00
Total $ 35,208,420.00
Deduct those expired and marked off as terminated 52,510,241.00
In force at end of year S 2,698,179.00
Deduct amount re-insured 27,167.00
Net amount in force at end of year ? 2,671,012.00
Premiums.
69,405.29
206,636.98
276,042.27
173,868.22
102,174.05
1,368.36
100,805.69
Year Fraction
Written. Term. Unearned.
In 1900—1 year or less .One-half 8
In 1890—2 years One-fourth
In 1900—2 years Three-fourths
In 1S9S— -3 years One-sixth
In 1899—3 years One-half
In 1900—3 years Five-sixths
In 1897—4 years One-eighth
In 1S98 4 years Three-eighths
In 1899 4 years Five-eighths
In 1900 4 years Seven-eighths
In 1896 5 years One-tenth
In 1S97 5 years Three-tenths
In 1898—5 years One-half
In 1S99 5 years Seven-tenths
In 1900 5 years Nine-tenths
In 1899—0 years Nine-twelfths
In 1900— 6 years Eleven-twelfths
In 1900 8 years Fifteen-sixteenths
In 1900 9 years Seventeen-eighteenths,
In 1899—10 years Seventeen-twentieths—
In 1900—10 years Nineteen-twentieths
Perpetual 95 per cent
S RISKS AND
PREMIUMS.
Amount
Premiums
Premiums
Covered.
Charged.
Unearned.
88,050,369.00
8 871,405.13 $
435,702.57
1,107,584.00
2,492.00
023.10
1,460, 801. 00
8,980.95
6,735.71
51,629,354.00
252,374.00
42,062.44
49,308,309.00
254,289.19
127,144.59
60,705,529.00
362,207.89
301,889.90
179,52' i. no
1,050.26
131.27
495,767.00
2,o76.40
778.65
367,520.00
2,000.50
1,250.30
632, 3so.no
6,111.82
5,347.84
2,761,773.00
23,069.24
2,366.92
2,719,170.00
25,013.90
7,504.18
6,453,878.00
51,562.48
25,781.24
5,901,238.00
50,021.75
35,015.23
8,981,974.00
89,198.63
80,278.77
2,050.00
24.00
18.00
2,799.00
26.56
24.34
666.00
5.32
4.99
500.00
750.00
7.08
400.00
12.00
10.20
7,349.00
48.39
45.97
50,000.00
1,035.00
931.50
Totals S 280,824,930.00 8 2,003,674.23 8 1,073,654.85
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year-
Net premiums received during
year
Increase in gross uncollected
premiums $
Increase in re-insurance fund-
Total net premiums earned
Interest, etc., received 3
Increase in accrued interest, etc.,
Total interest earned
67,154.55
312,101.55
57,301.66
112,640.15
8 1,465,002,39
244,947.00
1,220,055.39
169,941.81
Total premiums and interest
earned
Net losses paid during year $ 829,200.98
Increase in net unpaid losses.— 12,894.44
Total net losses incurred
Expenses paid 5 663, 622. S5
Increase in unpaid expenses 10,000.00
I 842,095.42
_8 346,238.55
8 1,389,997.20
10
146
Document No. 10.
[Session
Total expenses incurred $ 673, 622. S5
Total losses and expenses in-
curred $ 1,515,718.27
Net loss for year .. $ 125,721.07
Dividends to stockholders 20,000.00
Total dividends incurred for year. $ 20,000.00
Decrease in surplus for year 145,721.07
Surplus at end of year $ 200,517.48
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written $ 1,194,827.00
Gross premiums received 17,662.10
Re-insuranee premiums . 2,270.54
Losses paid 7,775.95
Losses incurred 7,041.71
Number of agents working in State during year, 38.
HAMBURG-BREMEN FIRE INSURANCE COMPANY
OF GERMANY.
Located in U. S. at New York, N. Y.
Incorporated 1854.
F. L. Loesener, President.
Commenced Business 1855.
F. Affeld, U. S. Manager.
Cash capital, $525,000. '
Amount of net or ledger assets December 31, 1899 $ 1, 350, 006. 40
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 1,622,790.74 S-
Deduct re-insurance, rebate, abatement and return
premiums 308, 7S1 . 22 _.
Net cash received for premiums $ 1,314,009.52 $.
Interest and dividends on stocks and bonds --
Interest and dividends from all other sources-
Profit on sale or maturity of ledger assets
From all other sources
1, 314, 009. 52
51,158.52
2, 762. 37
3, 226. 17
751.43
Total income $ 1,370,908.01
Aggregate last balance and income $ 2, 720, 914. 41
1903.] Document No. 10. 147
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses § 857,500.68 S
Deduct salvage and re-insurance 63,302.06
Net cash paid for losses $ 794,198.62
$ 794, 198. 62
Paid stockholders (interest or dividends) remitted to home office-- 71, 237. 26
Commissions or brokerage and allowances to agents 319, 321. 79
Salaries and fees of officers and employees 53, 372. 16
Taxes _ 40,079.44
All other expenditures 84, 703. 70
Total disbursements during the year S 1,363,012.97
Balance December 31, 1900 $ 1, 357, 901. 44
ASSETS.
AS PER LEDGER ACCOUNTS.
Loans on collaterals g 65,000.00
Book value of stocks and bonds... 1,194,970.97
Cash in bank 93,724.64
All other 4,205.83
Total net or ledger assets § 1, 357, 901. 44
OTHER ASSETS.
Kents and interest due and accrued 15, 429. 16
Market value of stocks and bonds over book value 88,956. 12
Uncollected premiums 94, 845. 15
Gross assets $ 1, 557, 131. 87
Non-admitted assets —
Agents' debit balances unsecured S 4,205.83
Total deductions 4,205.83
Total admitted assets S 1,552.926.04
LIABILITIES.
Losses adjusted and unpaid jj 12,445.00
Losses in process of adjustment 33,955.00
Losses resisted..' 10,. v
Net amount of unpaid losses * 62, 950. 00
Total unearned premiums 990,395.15
Total liabilities - $ 1,053,345.15
Net surplus 499,580.89
Total liabilities, including cash capital and net surplus $ 1, 552, 926. 04
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fiue Risi £s. Premiums.
In force at beginning of year S 143,002,274.00 g 1,733,854.82
Written during year ". 132,442,173.00 1.010,706.60
Total S 275, 444. 147. no g 3,344,561.42
Deduct those expired and marked off as terminated 112,419,882.00 l.:i.v.i,777.77
In force at end of year g 163,024,565.00 - 1,984,783.65
Deduct amount re-insured 6,844,302.00 77,9
Net amount in force at end of year S 156,180,263.00 $ 1,906,856.76
148
Document No. 10.
[Session
Year
Written.
In 1900 1
In 1899 2
In 1900 2
In 1898 3
In 1S99 3
In 1900 3
In 1897 4
In 1898 4
In 1899 4
In 1900 4
In 1896 5
In 1897 5
In 1S98 5
In 1899 5
In 1900 5
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Fraction Amount Premiums Premiums
Term. Unearned. Covered. Charged. Unearned.
year or less _„One-half $ 72,564,865.00 $ 966,134.95 $ 483,067.48
years One-fourth 856,362.00 7,837.10 1,959.28
years Three-fourths 848,037.00 8,208.11 6,156.08
years One-sixth 18,243,434.00 203,704.43 33,95u.74
years One-half IS, 335, 159.00 200,418.86 100,209.43
years Five-sixths 23,091,798.00 245,597.80 204,664.83
years One-eighth 504, 4o7.no 4,344.12 543.02
years Three-eighths 620,312.00 5,167.47 1,937.80
years Five-eighths 686,449.00 0,176.58 3,860.36
years Seven-eighths 551,127.00 5,146.79 4,503.44
years One-tenth 2,328,711.00 32,239.16 3,223.92
years Three-tenths 3,042,810.00 40, 975. S3 12,292.75
years One-half 2,962,167.00 38,651.34 19,325.67
years Seven-tenths 5,482;569.00 66,642.27 46,649.59
years Nine-tenths 6,062,056.00 75,611.95 68,050.76
990,395.15
Totals S 156,180,263.00 $ 1,906,856.76
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year.
Net premiums received during
year
Decrease in gross uncollected
premiums §
Increase in re-insurance fund __
Total interest earned.
Total expenses incurred
Total losses and expenses in-
curred
Net gain for year
Remitted to home office during
year
Decrease in surplus for year
Surplus at end of year
12,084.14
134,526.03
Total net premiums earned
Interest, etc., received $ 53,920.S9
Increase in accrued interest, etc., 31,716.80
$ 1,314,009.52
146,610.17
$ 1,167,399.35
85,637.69
Total premiums and interest
earned
Net losses paid during year $ 794,198.62
Decrease in net unpaid losses 60,860.00
Total net losses incurred
Expenses paid . 8 497,149.18
Decrease in unpaid expenses 3,401.40
S 1,253,037.04
733,338.62
493,747.78
1,227,086.40
25,950.64
71,237.26
45,286.62
544,867.51
499,580.89
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Gross risks written
Gross premiums received.
Re-insurance premiums ..
Losses paid
Losses incurred
Fire Risks.
1,862,240.00
36,416.61
2,182.04
15,235.70
14,820.70
1903.] Document Xo. 10. 149
HANOVER FIRE INSURANCE COMPANY OF NEW YORK.
Located at New York, X. Y. Incorporated 1852. Commenced Business 1852.
Charles A. Shaw, President. Joseph McCord, Secretary.
Cash capital, $1, 000,000.
Amount of net or ledger assets December 31, 1899 $ 2, 494, 5S1. 92
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 2,309,099.30 S-
Deduct re-insurance, rebate, abatement and re-
turn premiums 588,502.04 __
Net cash received for premiums $ 1,720,597.26 S-
1 , 720, 597. 26
Rents 27,802.44
Interest received on mortgages 175.00
Interest and dividends on stocks and bonds 85, 904. 71
Interest and dividends from all other sources 3, 254. 14
Profit on sale or maturity of ledger assets 25, 189. 40
Total income $ 1,862,923.05
Aggregate last balance and income $ 4, 357, 504. 97
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses 8 1,311,853.59 S
Deduct salvage and re-insurance 200,040.85
Net cash paid for losses $ 1,111,812.74 $_
1, 111, 812. 74
Paid stockholders (interest or dividends) 100, 000. 00
Commissions or brokerage and allowances to agents 345, 859. 22
Salaries and fees of officers and employees 147, 839. 23
Taxes 68,207.33
Loss on sales or maturity — ledger assets . 35.00
All other expenditures 158, 180. 76
Total disbursements during the year $ 1,931,934.28
Balance December 31, 1900 $ 2, 425, 570. 69
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned § 420,368.75
Loans on mortgages 3,500.00
Book value of stocks and bonds l,8i;4,623.63
Cash in company's office 53,97S.74
Cash in bank 83,099.57
Total net or ledger assets $ 2, 425, 570. 69
150
Document No. 10.
[Session
OTHER ASSETS.
Rents and interestdue and accrued $ 17, 130. 41
Market value of real estate over book value 29, 631. 25
Market value of stocks and bonds over book value 386, 955. 12
Due from other companies 8, 940. 83
Uncollected premiums 240, 077. 40
Total admitted assets $ 3, 108,305. 70
LIABILITIES.
Losses adjusted and unpaid $ 132,807.86
Losses in process of adjustment 161,000.16
Losses resisted 19,847.20
Net amount of unpaid losses, less re-insurance
Total unearned premiums
Return and re-insurance premiums
Total liabilities
Cash capital
Net surplus
Total liabilities, including cash capital and net surplus $ 3, 108, 305. 70
MISCELLANEOUS.
242, 943. OS
1, 328, 336. 32
51, 362. 40
1,622,642.40
1, 000, 000. 00
485, 663. 30
RISKS AND PREMIUMS*.
Fire Risks.
In force at beginning of year 8 252,263,107.25
Written during year 228,988,190.30
Total 8 481,251,297.55
Deduct those expired and marked off as terminated 192,083,905.73
In force at end of year $ 289,167,391.82
Deduct amount re-insured 37,666,210.68
Premiums.
$ 2,012,342.20
2,340,880.63
8 4,983,228.83
2,042,350.00
8 2,940,872.23
360,911.85
Net amount in force at end of year $ 251,501,175.14 $ 2,579,900.38
Largest amount in any one hazard $ 10o,ooo.00
RECAPITULATION OP FIRE RISKS AND PREMIUMS.
Year
Written.
In 1900 1
In 1899 2
In 1900 J— 2
In 1898 3
In 1899 3
In 1900 3
In 1897 4
In 1898 4
In 1899 4
In 1900 4
In 1896 5
In 1897 5
In 1898 5
In 1899 5
In 1900 5
Over 5 years..
Fraction Amount
Term. Unearned. Covered.
year or less One-half § 106,702,091.10
years One-fourth 245,892.83
years Three-fourths 160,039.83
years One-sixth 32,038,907.97
years One-half 38,514,778.54
years Five-sixths 47,822,111.80
years One-eighth 248,120.00
years Three-eighths 300,950.00
years Five-eighths 443,781.43
years Seven-eighths 318,390.00
years One tenth 4,449,223.33
years Three-tenths 4,740,582.79
years One-half 4,360,520.66
years Seven-tenths 4,919,068.67
years Nine-tenths 6,153,453.53
Various 77,250.00
Premiums
Charged.
1,227,925.02
2,486.59
1,235.41
305,404.83
328,974.51
388,548.47
2,232.86
2,739.93
3,901.07
2,824.37
56,094.07
57,744.61
55,575.69
63,949.93
79,053.97
1,268.25
Premiums
Unearned.
613,962.81
621.65
926.55
50,900. SI
164,487.25
323,790.40
279.10
1,027.10
2,438.54
2,471.28
5,009.46
17,323.38
27,787.84
44,764.93
71,148.51
796.71
Totals 8 251,501,175.14 S 2,579,960.38 8 1,32S,336.32
1903.] Document No. 10. 151
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year 9 '.18,818.69
Net premiums received during
year $ 1,720,597.26
Increase in gross uncollected
premiums $ 2,952.11
Increase in re-insurance fund.. 117,159.60 111,207.49
Total net premiums earned $ 1,606,389.77
Interest, etc., received S 100,909.08
Increase in accrued interest, etc., 128,249.09
Total interest earned 229,15S.17
Total premiums and interest
earned $ 1,835,547.94
Net losses paid during year $ 1,111,812.74
Increase in net unpaid losses — 47,735.06
Total net losses incurred— t $ 1,159,547.80
Expenses paid $ 702,S43.92
Increase in unpaid expenses 6,311.61
Total expenses incurred 709,155.53
Total losses and expenses in-
curred 1,868,703.33
Net loss for year $ 33,155.39
Dividends to stockholders 100,000.00
Total dividends incurre~d for
year $ 100,000.00
Decrease in surplus for year 133,155.39
Surplus at end of year $ 4S5,603.30
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fibe Risks.
Gross risks written g; 1,481,214.00
Gross premiums received 14,002.90
Losses paid 3,072.81
Losses incurred 1,269.92
Number of agents working in State during year, 59.
152 Document No. 10. [Session
HARTFORD FIRE INSURANCE COMPANY
OF CONNECTICUT.
Located at Hartford, Conn. Incorporated 1810. Commenced Business 1S10.
George L. Chase, President. P. C. Royce, Secretary.
Cash capita], $1,250,000.
Amount of net or ledger assets December 31, 1899 $ 9, 656, 132. S2
INCOME.
Marine and
Fire. * Inland.
Gross cash received for premiums $ 8, 442, 122. 51 $
Deduct re-insurance, rebate, abatement and return
premiums 1,757,375.93
Net cash received for premiums $ 0,084.740.58 $_
6, 6S4, 746. 58
Rents 13, 181. 70
Interest received on mortgages 61, 660. 04
Interest received on collateral loans 551. 25
Interest and divideuds on stocks and bonds 307, 256. 95
Interest and dividends from all other sources 5, 037. 56
From all other sources 500. 57
Total income $ 7,072,934.65
Aggregate last balance and income $ 16, 729, 067. 47
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 5,012,975.13 $
Deduct salvage and re-insurance 641,017.47
Net cash paid for losses $ 4,371.957.00 $_
4,371,957.66
Paid stockholders (interest or dividends) 400, 000. 00
Commissions or brokerage and allowances to agents 1, 163, 657. 81
Salaries and fees of officers and employees 511, 705. 04
Taxes ' 197,520.96
All other expenditures 641, 808. 64
Total disbursements during the year $ 7, 286, 650. 11
Balance December 31, 1900 $ 9, 442, 417. 36
1903.] Document Xo. 10. 153
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned $ 797,189.46
Loans on mortgages 857,700.00
Loans on collaterals 7,SO0.00
Book value of stocks and bonds 6,219,941.11
Cash in company's office.* 128,251.82
Cash in bank 730, 818.30
Agents' debit balances 676,541.52
All other 24,175.15
Total net or ledger assets $ 9,4-12,417.36
OTHER ASSETS.
Rents and interest due and accrued 26,415. 21
Market value of real estate over book value 4,310.54
Market value of stocks and bonds over book value 958, 713. 24
Uncollected premiums 617, 700. 00
Re-insurance due on losses paid 9, 573. 83
Increase in printing plant 1, 244. 75
Total admitted assets 8 11, 000, 374. 93
LIABILITIES.
Losses adjusted and unpaid S 232,622.44
Losses in process of adjustment 367,659.82
Losses resisted 54,866.14
Xet amount of unpaid losses 8 655, 148. 40
Total unearned premiums 5, 467, 046. 72
Return and re-insurance premiums ' 140, 000. 00
Total liabilities 8 6, 2<>2, 195. 12
Cash capital 1,250,000.00
Net surplus 3,548, 179.81
Total liabilities, including cash capital and net surplus 8 11,060,374.93
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year S 929, 785, 474. on s lo, 473, 015. 71
Written during year 705,252,502.00 8,442,122.51
Total $1,635,037,976.00 $ 18,915,138,22
Deduct those expired and marked off as terminated 665,432,202.00 7,898,152.35
In force at end of year $ 969,605,774.00 $ 11,016,985.87
Deduct amount re-insured-_ 7,030,705.00 76,663.66
Net amount in force at end of year 5 962,575,069.00 S 10,940,322.21
Largest amount in any one hazard S 125,000.00
154
Document No. 10.
[Session
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year.
Written.
In 1900 1
In 1899 2
In 1900 2
In 1898 3
In 1899 3
In 1900 3
In 1897 4
In 1898 4
In 1S99 4
In 1900 4
In 1896 5
In 1897 5
In 1898 5
In 1899 5
In 1900 5
Fraction
Term. Unearned.
year or less— One-half
years One- fourth
years Three-fourth s__
years One-sixth
years One-half
years Five- sixths
years One-eighth
years Three-eighths..
years Five-eighths ___
years Seven-eighths._
years One- tenth
years Three-tenths...
years One-half
years Seven-tenths __
vears Nine-tenths
Amount
Covered.
370,240,465.00
2,796,103.00
2,525,940.00
145,155,821.00
141,775,514.00
134,347,897.00
2,005, TVS. 00
2,462,204.00
2,468,470.00
'2,082,534.00
25,395,760.00
30,372,584.00
33,001,799.00
31,274,043.00
30,609,157.<io
Premiums
Charged.
4,017,455.16 $
24,537.55
20,909.11
1,396,593.75
1,356,098.19
1,322,580.07
19,742.02
20,505.84
20,832.41
18,184.40
327,132.19
350,362.89
389,113.69
374,886.35
375,388.59
Premiums
Unearned!
2,458,727.58
0,134.39
15,681.83
232,765.62
678,049.09
1,102,150.06
2,467.75
7,689.69
13,020.25
15,911.35
32,713.22
106,908.87
• 194,556.84
262,420.45
337,849.73
Totals $962,575,069.00 $ 10,940,322.21 $ 5,467,046.72
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year § 5,000,204.50
Net premiums received during
year $ 0,684,746.58
Decrease in gross uncollected
premiums 8 17,0S3.36
Increase in re-insurance fund 180,247.10
197,330.46
Total net premiums earned
Interest, etc., received $ 381,559.50
Increase in accrued interest, etc., 01,074.81
Total interest earned-
8 6,487,416.12
412,034.31
Total premiums and interest
earned
Net losses paid during year $ 4,371,957.66
Decrease in net unpaid losses 435.50
Total net losses incurred
Expenses paid $ 2,420,552.96
Total expenses incurred
Total losses and expenses in-
curred
Net loss for year
Dividends to stockholders
Total dividends incurred for year,
Decrease in surplus for year
Surplus at end of year
8 6,930,050.43
$ 4,371,522.10
2,420,552.96
0,792,075.12
137,975.31
400,000.00
400,000.00
262,024.69
4,798,179.81
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Gross risks written
Gross premiums received .
Re-insurance premiums _.
Losses paid
Losses incurred
Fire Risks.
3,172,040.00
54,687.42
0,561.06
24, cos. 62
21,595.10
1903.] Document No. 10. 155
HELVETIA SWISS FIRE INSURANCE COMPANY OF
ST. GALL, SWITZERLAND.
Located in TJ. S. at New York City.
Incorporated 1861. Commenced Business in U. S. in 1876.
Weed & Kennedy, U. S. Managers.
Deposit capital, 8200,000.
Amount of net or ledger assets December 31, 1899 S 782, 536. 67
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums S 632,248.52 S-
Deduct re-insurance, rebate, abatement and return
premiums 193, 735. 58 _.
Net casli received for premiums $ 438,512.94 $
438,512.94
Interest and dividends on stocks and bonds 20,694.90
Interest and dividends from all other sources 1, 168. 78
Profit on sale or maturity of ledger assets 9, 118. 75
Received from home office 40,000.00
Total income - $ 509,495.37
Aggregate last balance and income $ 1, 292, 032. 04
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses S 394,736.62 |
Deduct salvage and re-insurance 22,930.99
Net cash paid for losses 8 371,796.63 8.
371, 796. 63
Remitted to home office 14, 501. 00
Commissions or brokerage and allowances to agents 120, 913. 23
Salaries and fees of officers and employees 3, 000. 00
Taxes 19,221.38
All other expenditures 13, 034. 71
Total disbursements during the year $ 542, 466. 95
Balance December 31, 1900 $ 749,565.09
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of stocks and bonds , ? 685,567.36
Cash in company's office 189.16
Cash in bank 63,808.56
Total net or ledger assets $ 749, 565. 09
156
Document No. 10.
[Session
OTHER ASSETS.
Rents and interest due and accrued $
Market value of stocks and bonds over book value
Uncollected premiums
Total assets
3, 291. 67
27, 010. 14
68, 638. 98
$ 848, 505. 88
LIABILITIES.
Losses adjusted and unpaid $ 12,656.2!)
Losses in process of adjustment 18,452.15
Losses resisted 5,250.00
Net amount of unpaid losses, less re-insurance
Total unearned premiums
Commissions due agents and brokers
All other liabilities
Total liabilities $
Net surplus
Total liabilities, including cash capital and.net surplus $
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks.
In force at beginning of year 8 50,507,006.00
Written during year 53,162,147.00
Total $ 103,669,153.00
Deduct those expired and marked off as terminated 58,364,749.00
In force at end of year $ 45,304,404.00
Deduct amount re-insured 2,S47,085.00
Net amount in force at end of year $ 42,457,319.00
Largest amount in any one hazard $ 50,000.00
35, 888. 50
260, 326. 13
700. 00
22, 464. 00
319, 378. 63
529, 127. 25
848, 505. 88
Premiums.
$ 519,040.71
616,503.82
$ 1,135,544.53
594,655.01
$ 540,889.52
30,183.60
$ 510,705.92
Year
Written.
In 1900
1
In 1899 .
2
In 1900
2
In 1898
3
In 1899-
3
In 1900 „
3
In 1S97- -
4
In 1898 ..
4
In 1899
4
In 1900
4
In 1896
5
In 1897 —
5
In 1898
5
In 1899
5
In 1900 .
5
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Fraction
Term. Unearned.
year or less One-half $ 30,435,216.00
years One-fourth
years Three-fourths
years One-sixth
years One-half
years Five-sixths
years One-eighth
years Threeeigths
years Five-eighths
years Seven-eighths
years One-tenth
years Three-tenths
years One- half
years Seven-tenths
years Nine-tenths
Amount
Premiums
Premiums
Covered.
Charged.
Unearned.
10,435,216.00 $
372,752.02 $
186,376.01
323,186.00
2,916.63
729.16
375,579.00
4,301.77
3,226.32
3,193,653.00
37,036.96
6,172.82
2,567,872.00
28,226.23
14,113.11
3,057,150.00
36,378.94
30,315.78
24,000.00
315.87
39.48
45,300.00
353.95
132.72
47,995.00
577.50
360.95
52,600.00
1,184.97
1,03,6.84
126,525.00
835.20
83.52
502,725.011
3,809.96
1,142.98
451,230.00
4,599.05
2,299.53
583,183.00
6,891.33
4,823.93
671,105.00
10,525.54
9,472.98
Totals.. $ 42,457,319.00 $ 510,705.92
260,326.13
1903.] Document No. 10. 157
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year S 529,312.39
Net premiums received during
year $ 438,512.94
Decrease in gross uncollected
premiums S 12,403.40
Increase in re-insurance fund 4,984.73 17,3S8.13
Total net premiums earned $ 421,123.81
Interest, etc., received $ 21,863.68
Increase in accrued interest, etc., 12,fi87.50
Total interest earned 34,551.18
Total premiums and interest
earned S 455,675.99'
Net losses paid during year $ 371,796.63
Decrease in net unpaid losses 45,056.03
Total net losses incurred 3 326,740.60
Expenses paid S 156,169.32
Decrease in unpaid expenses 1,549.79
Total expenses incurred 154,019.53
Total losses and expenses in-
curred 481,360.13
Net loss for year > 25,684.14
Received from home office 40,000.00
Remitted to home office during
year 14,501.00
Net received from home office . $ 25,499.00
Decrease in surplus for year 185.14
Surplus at end of year $ 529,127.25
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written 8 822,911.00
Gross premiums received 14,805.94
Losses paid 1,255.95
Losses incurred 1,283.45
158 Document No. 10. [Session
HOME INSURANCE COMPANY OF NEW YORK.
Located at New York, N. Y. Incorporated 1853. Commenced Business 1853.
John E. Washburn, Vice-President.
A. M. Burtis, W. H. Cheney, Secretaries.
Cash capital, $3, 000,000.
Amount of net or ledger assets December 31, 1899 $ 11, 169,086.45
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 7,156,377.01 $ 523,451.28
Deduct re-insurance, rebate, abatement and return
premiums 2,503,124.12 264,709.12
Net cash received for premiums $ 4,653,253.70 $ 258,742.16
4, 911, 995. 95
Rents 166,773.25
Interest received on mortgages 10, 695. 44
Interest received on collateral loans 10,102.79
Interest and dividends on stocks and bonds 367, 728. 90
Interest and dividends from all other sources 4, 951. 63
Profit on sale or maturity of ledger assets 121, 085. 82
From all other sources 2, 472. 80
Total income $ 5,595,806.58
Aggregate last balance and income $ 16, 764, S93. 03
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 3,598,038.25 $ 325,937.42
Deduct salvage and re-insurance 1,059,901.42 150,970.12
Net cash paid for losses $ 2,538,136.83 $ 174,967.30
2, 713. 104. 13
Paid stockholders (interest or dividends) 300,000.00
Commissions or brokerage and allowances to agents 869, 200. 00
Salaries and fees of officers and employees 419, 159. 23
Taxes 187,063.37
Loss on sales or maturity — ledger assets 115, 556. 80
All other expenditures 463, 195. 21
Total disbursements during the year $ 5, 067, 279. 37
Balance December 31, 1900 -■ $ 11,697,613.66
1903.] Document No. 10. 159
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned § 1,718,205.81
Loans on mortgages lfi0,400.00
Loans on collaterals 249,375.00
Book value of stock and bonds S, 677, 624. 65
Cash in bank 514,815.89
Bills receivable 591.59
All other 380,799.98
$ 11,701,872.92
Deduct agents' credit balances 3 4,259.26
4, 259. 26
Total net or ledger assets 11, 697, 613. 66
OTHER ASSETS.
Eents and interest due and accrued $ 47, 664. 54
Market value of stocks and bonds over book value 1, 677, 141. 50
Uncollected premiums 193,206.04
Gross assets $ 13, 615, 625. 74
Non-admitted assets —
Agents' debit balances unsecured 1 5,481.32
Depreciation in book value real estate, etc 16,386.15
Bills receivable, past due Ji.8,~
Total deductions 21,962.34
Total admitted assets $ 13,593, 663. 40
LIABILITIES.
Losses adjusted and unpaid , S 127,725.37
Losses in process of adjustment 744,223.96
Losses resisted 4T.;;50.71
Net amount of unpaid losses, less re-insurance 8 529, 318. SI
Total unearned premiums 4, 546, 125. 00
Eeturn and re-insurance premiums 220, 720. 75
Total liabilities $ 5,296,164.56
Cash capital 3,000,000.00
Net surplus 5,297,498.84
Total liabilities, including cash capital and net surplus $ 13, 593, 663. 40
MISCELLANEOUS
RISKS AND PREMIUMS.
Fibk. Risks. Premiums.
In force at beginning of year S 976,687,393.00 8 8,763,019.00
Written during year 801,749,520.00 7,087,455.61
Total 3 1,778,436,913.00 $ 15,850,474.61
Deduct those expired and marked off as terminated 726,01S,407.00 6,191,532.61
In force at end of year $ 1,052,418,506.00 8 9,658,942.00
Deduct amount re-insured 167,967,353.00 1,139,238.00
Net amount in force at end of year 3 884,451,153.00 S 8,519,704.00
Largest amount in any one hazard $ 195,000.00
160
Document No. 10.
[Session
Marine and
Inland. Premiums.
In force at beginning of year 5 18,501,346.00 $ 443,005.00
Written during year 82,976,503.00 527,904.03
Total 8 .101,477,849.00 $ 970,9119.(13
Deduct those expired and marked oft as terminated 82,026,143.00 430,777.03
In force at end of year $ 19,451,700.00 $ 540,192.00
Deduct amount re-insured 6,283,131.00 172,940.00
Net amount in force at end of year $ 13,168,575.00 8 367,252.00
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year Fraction Amount
Written. Term. Unearned. Covered.
In 1900 1 year or less One-hall $ 317,404,444.00
In 1899 2 years One-fourth 6,060,448.00
In 1900 2 years Three-fourths 1,740, 005.00
In 1898 3 years One-sixth 119,864,607.00
In 1899 3 years One-half 135,477,S25.00
In 1900.
In 1897.
In 1898.
In 1899-
In 1900.
In 1890.
In 1897-
In 1898_
In 1899-
In 1900.
_3 years Five-sixths
_4 years One-eighth
_4 years Three-eighths .
-4 years Five-eighths— .
-4 years Seven-eighths .
-5 years One-tenth
_5 years Three-tenths _.
_5 years One-half
.5 years Seven-tenths
_5 years Nine-tenths
Over 5 years Pro rata
131,968,329.00
1,370,030.(10
1,333,599.00
1, 497,32S. 00
1,040,208.00
30,328,442.00
31,442,380.00
31,979,157.00
34,020,049.00
34,743,426.00
3,568,204.00
Premiums
Charged.
3,094,753.00
54,207.00
14,079.00
1,086,841.00
1,197,092.(10
1,180,040.00
11,839.00
11,380.00
12,333.00
9,500.00
350,063.00
358,041.00
348,083.00
381,792.00
386,724.00
21,665.00
Premiums
Unearned.
I 1,547,377.00
13,552.00
11,009.00
181,140.00
598,546.00
983,872.00
1,480.00
4,270.00
7,708.00
8,305.oo
35,006.00
107,412.00
174,042.00
207,254.00
348,052.00
9,901.oo
Totals $ S84, 451, 153.00 $ 8,519,704.00 $ 4,299,049.00
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year $ 4,031,030.41
Net premiums received during
year S 4,911,995.95
Decrease in gross uncollected
premiums I 73,923.52
Increase in re-insurance fund __ 105,052.00 238,975.52
Total net premiums earned
Interest, etc., received $
Increase in accrued interest, etc.,
Total interest earned
501,750.33
373,321.74
Total premiums and interest
earned
Net losses paid during year $ 2,713,101.13
Decrease in net unpaid losses 5,088.51
Total net losses incurred
Expenses paid __$ 1,880,116.76
Decrease in unpaid expenses 5,602.31
Total expenses incurred.
Total losses and expenses in-
curred
$ 4,073,020.43
875,072.07
$ 5.548,092.50
8 2,708,015.02
1,874,514.45
4,582,530.07
1903.] Document No. 10. 161
Net gain for year S 965,562.43
Dividends to stockholders 300,000.00
Total dividends incurred for
year $ 300,000.00
Increase in surplus for year 665,562.43
Surplus at end of year $ 5,297,498.84
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written $ 6,498,876.00
Gross premiums received 53,911.74
Losses paid 10,975.21
Losses incurred 19,637.34:
IMPERIAL INSURANCE COMPANY (LIMITED)
OF LONDON, ENGLAND.
Located in U. S. at New York, N. Y.
Incorporated 1803.
Commenced Business in U. S. 1868.
Henry W. Cannon, 1
William A. Reed, >• Trustees in the United States.
Richard L. Edwards, J
Cash capital, §1,500,000.
Amount of net or ledger assets December 31, 1899 $ 1, 557, 450. 14
INCOME.
Fire.
Gross cash received for premiums g 1,695,597.52 $
Deduct re-insurance, rebate, abatement and return
premiums 409, 098. 05 _.
Marine and
Inland.
Net cash received for premiums 8 1,286,499.47 -_
Rents
Interest and dividends on stocks and bonds —
Interest and dividends from all other sources
From all other sources
1,286,401). 47
29, 539. 19
38, 790. 00
765. 35
188, 239. 10
Total income $ 1,543,833.11
Aggregate last balance and income $ 3, 101, 283.25
11
162 Document No. 10. [Session
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 1,018,889.74 $_
Deduct salvage and re-insurance 80,943.30 __
Net cash paid for losses $ 937,946.44 $_
_ $ 937, 946. 44
Commissions or brokerage and allowances to agents-. 265, 307. 66
Salaries and fees of officers and employees 86,401. 71
Taxes 58,996.90
Loss on sales or maturity — ledger assets 36, 599. 74
All other expenditures 166,904. 17
Total disbursements during the year $ 1,552, 156.62
Balance December 31, 1900 $ 1, 549, 126. 63
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned $ 410,016.30
Book value of stocks and bonds ■. 1,054,148.54
Cash in company's office 1,292.84
Cash in bank 83,068.55
Total net or ledger assets $ 1, 549, 126. 63
OTHER ASSETS.
Rents and interest due and accrued 7, 650. 82
Market value of real estate over book value 66,018.40
Market value of stocks and bonds over book value 65, 903. 96
Uncollected premiums 166, 656. 72
Total admitted assets $ 1, 855, 356. 53
LIABILITIES.
Losses adjusted and unpaid $ 35,246.87
Losses in process of adjustment 57,086.28
Losses resisted 21,845.00
Net amount of unpaid losses, less re-insurance $ 111, 611. 56
Total unearned premiums *. _ 936, 022. 80
Salaries, rents, etc., due and accrued 750. 00
Total liabilities $ 1,048,384.36
Deposit capital 584, 070. 00
Net surplus 222,902.17
Total liabilities, including cash capital and net surplus $ 1, 855, 356. 53
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. ' Premiums.
In force at beginning of year $ 173,409,513.00 $ 1,829,519.44
Written during year 143,730,537.00 1,657,680.40
Total $ 317,200,050.00 $ 3,487,199.90
Deduct those expired and marked off as terminated 132,096,115.00 1,477,762.03
In force at end of year $ 185,103,935.00 $ 2,009,437.87
Deduct amount re-insured 12,417,966.00 155,625.85
Net amount in force at end of year $ 172, 685, 90S. 00 $ 1,853,812.02
Largest amount in any one hazard J 60,000.00
1903.] Document No. 10. 163
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year Fraction Amount Premiums Premiums
Written. Term. Unearned. Covered. Charged. Unearned.
In 1900 1 year or less One-half $ 75,400,289.00 $ 962,518.86 $ 481,259.43
In 1899 2 years One-fourth 493,737.00 3,108.75 777.19
In 1900 2 years T^iree-fourths ._ 363,476.00 2,525.21 1,893.91
In 1898 3 years One-sixth 23,256,385.00 202,894.77 33,815.80
In 1899 3 years One-half 19,373,572.00 177,334.73 88,667.37
In 1900 3 years Five-sixths 23,504,181.00 201,192.33 167,660.28
In 1897 4 years One-eighth 323,334.00 2,322.93 290.37
In 1898 4 years Three-eighths „ 000,407.00 5,192.83 1,947.31
In 1899 4 years Five-eighths 510,089.00 4,046.38 2,528.99
In 1900 4 years Seven-eighths _. 680,315.00 6,282.80 5,497.45
In 1896 5 years One-tenth 4,536,933.00 45,680.03 4,568.00
In 1897 5 years Three-tenths ___ 5,130,974.00 49,471.71 14,841.51
In 1898 5 years One-half 6,882,573.00 68,179.48 34,089.74
In 1899 5 years Seven-tenths 5,541,196.00 59,348.19 40,843.73
In 1900 5 years Nine-tenths 6,088,478.00 63,713.02 57,341.72
Totals $ 172,085,969.00 $ 1,853,812.02 $ 936,022.80
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year $ 786,873.04
Net premiums received during
year $ 1,286,499.47
Decrease in gross uncollected
premiums $ 5,830.44
Increase in re-insurance fund __ 49,880.40 55,710.84
Total net premiums earned $ 1,230,788.63
Interest, etc., received s 210,135.16
Increase in accrued interest, etc., 3,936.64
Total interest earned 214,071.80
Total premiums and interest
earned $ 1,444,860.43
Net losses paid during year $ 937,946.44
Decrease in net unpaid losses 69,523.40
Total net losses incurred $ 868,423.04
Expenses paid $ 495,438.93
Decrease in unpaid expenses 60,899.33
Total expenses incurred 556,338.26
Total losses and expenses in-
curred 1,424,761.30
increase in surplus for year $ 20,099.13
Surplus at end ol year $ 806,972.17
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written $ 746,002.00
Gross premiums received 12,373.41
Losses paid 5,285.43
Losses ineurred 4,171.78
164 Document No. 10. [Session
INSURANCE COMPANY OF NORTH AMERICA
OF PENNSYLVANIA.
Located at Philadelphia, Pa. Incorporated 1794. Commenced Business 1792.
Charles Platt, President. Greville E. Fryer, Secretary.
Cash capital, $3, 000, 000.
Amount of net or ledger assets December 31, 1899 $ 8, 508, 987. 36
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 5,266,838.81 $ 2,249, 7G0. 44
Deduct re-insurance, rebate, abatement and return
premiums 1,091,467.02 449,865.01
Net cash received for premiums $ 4,175,371.79 $ 1,799,895.43
5, 975, 267. 22
Deposit premiums received for perpetual risks 15, 144. 94
Rents 29,584.69
Interest received on mortgages 105,580.38
Interest received on collateral loans 1, 607. 22
Interest and dividends on stocks and bonds 209, 898. 07
Interest and dividends from all other sources 11, 780. 20
Profit on sale or maturity of ledger assets 185, 608. 58
From all other sources 2, 608. 02
Total income $ 6, 537, 079. 32
Aggregate last balance and income -$ 15, 046, 066. 68
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 3,131,778.70 $ 1,039,025.34
Deduct salvage and re-insurance 377,676.35 501,431.82
Net cash paid for losses I 2,754,102.35 $ 1,137,593.52
3,891,695.87
Deposit premiums returned 22, 407. 07
Paid stockholders (interest or dividends) 360, 000. 00
Commissions or brokerage and allowances to agents 1, 168, 518. 32
Salaries and fees of officers and employees 277, 582. 64
Taxes 145, 039. 10
Loss on sales or maturity — ledger assets 303. 23
All other expenditures 311, 560. 88
Total disbursements during the year • $ 6, 177, 107. 11
Balance December 31, 1900 $ 8, 868, 959. 57
1903.] Document No. 10. 165
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned 8 855,696.70
Loans on mortgages 1,712,184.05
Loans on collaterals 94,700.00
Book value of stocks and bonds 4,594,590.00
Cash in bank 916,001.32
Agents' debit balances 628,721.81
Bills receivable 39,593.19
All other 67,384.68
$ 8,908,871.75
Deduct all other $ 39,912.18
39, 912. 18
Total net or ledger assets 1 $ 8. 868, 959. 57
OTHER ASSETS.
Rents and interest due and accrued 20, 993. 19
Market value of stocks and bonds over book value 337, 627. 00
Uncollected premiums 282,800.00
Gross assets $ 9,510,379.76
Non-admitted assets —
Company's stock — owned 8 33,000.00
Bills receivable, past due 683.00
Total deductions 33,683.00
Total admitted assets $ 9, 476, 696. 76
LIABILITIES.
Losses adjusted and unpaid $ 103,943.48
Losses in process of adjustment 539,577.52
Losses resisted 41,111.00
Net amount unpaid losses, less re-insurance and salvage claims-? 558, 322. 00
Total unearned premiums 3,187,468.67
Amount reclaimable on perpetual fire risks 765, 309.20
Salaries, rents, etc., due and accrued 20, 742. 30
Total liabilities $ 4, 731, 842. 17
Cash capital 3,000,000.00
Net surplus 1,778,537.59
Total liabilities, including cash capital and net surplas $ 9, 510, 379. 76
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year $ 631,932,545.00 8 6,174,045.90
Written during year 559,358,869.00 5,280,838.81
Total $1,191,291,414.00 8 11,454,884.71
Deduct those expired and marked off as terminated 520,821,602.00 4,854,077.40
In force at end of year 8 670,469,812.00 $ 6,600,807.31
Deduct amount re-insured 35,333,415.00 357,076.59
Net amount in force at end of year $ 635,136,397.00 $ 6,243,730.72
Largest amount in any one hazard 8 100,000.00
166
Document No. 10.
[Session
Marine and
Inland. Premiums.
In force at beginning of year $ 4,947,925.00 $ 224,215.33
Written during year 398,754,420.00 2,230,060.44
Total $ 403,702,345.00 $ 2,454,275.77
Deduct those expired and marked off as terminated 398,456,504.00 2,218,567.37
Net amount in force at end of year S 5,245,841.00 $ 235,708.40
PERPETUAL RISKS.
Amount. Deposits.
In force at beginning of year $ 33,641,661.50 $ 848,860.53
Written during year 555,758.37 15,144.94
Total $ 34,197,419.87 9 864,005.47
Deduct those marked off as cancelled 791,330.73 22,407.07
In force at end of year $ 33,406,089.14 $ 841,598.40
Losses incurred during year $ 11,495.18
Losses paid during year 11,775.76
Largest amount in any one hazard 25,000.00
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year
Written.
In 1900 1
In 1899 2
In 1900 2
In 1898 3
In 1899 3
In 1900 3
In 1897 4
In 1898 4
In 1899 4
In 1900 4
In 1896 5
In 1897 5
In 1898 5
In 1899 6
In 1900 5
Over 5 years
Perpetual
Term.
year or less_
Fraction
Unearned.
Amount
Covered.
.One-half $ 298,932,810.00
years One-fourth 1,370,898.00
years Three-fourths 1,730,802.00
years One-sixth 68,599,401.00
years One-half 72,019,240.00
years Five-sixths 69,868,662.00
years One-eighth 1,121,550.00
years Three-eighths 1,319,204.00
years Five-eighths 951,843.00
years Seven-eighths 956,909.00
years One-tenth 21,206,376.00
years Three-tenths 22,387,607.00
years One-half 24,512,971.00
years Seven-tenths 24,560,751.00
years Nine-tenths 24,429,592.00
Pro rata '_ 1,107,721.00
95 percent 33,406,089.14
Premiums
Charged.
2,747,033.28
12,213.13
15,581.56
684,064.92
703,900.93
706,740.40
12,341.98
13,829.11
9,682.39
11,246.57
239,743.22
248,665.29
265,592.96
273,894.93
283,208.11
15,991.94
841,598.40
Premiums
Unearned.
1,373,516.64
3,053.28
11,686.17
114,010.82
351,950.46
588,950.33
1,542.75
5,185.92
0,051.49
9,840.75
23,974.32
74,599.59
132,796.48
191,726.45
254,887.30
7,987.52
765,309.20
Totals 9 668,542,486.14 $ 7,085,329.12 8 3,917,069.47
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year
Net premiums received during
year
Decrease in gross uncollected
premiums $
Increase in re-insurance fund
Total net premiums earned
Interest, etc., received J
Inorease in accrued interest, etc.,
Total interest earned
Total premiums and interest
earned
5,700.00
194,260.51
333,710.93
72,967.20
$ 5,968,005.09
199,960.51
9 5,768,044.58
406,678.13
-9 1,696,780.55
6,174,722.71
1903.] Document No. 10. 167
Net losses paid during year $ 3,S91,695.S7
Decrease in net unpaid losses 17,00-1.35
Total net losses incurred $ 3,874,031.52
Expenses paid $ 1,838,091.85
Increase in unpaid expenses — 20,242.30
Total expenses incurred-. 1,858,334.15
Total losses and expenses in-
curred $ 5,732,965.67
Net gain for year S 441,757.04
Dividends to stockholders 360,000.00
Total dividends incurred for
year $ 360,000.00
Increase in surplus for year 81,757.04
Surplus at end of year $ 1,77S,537.59
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Marine and
Fire Risks. Inland.
Gross risks written $ 1,523,859.00 $ 215,699.00
Gross premiums received 25,430.97 850.00
Losses paid 17,234.37 22.61
Losses incurred 15,605.55 23.00
LANCASHIRE INSURANCE COMPANY OF
GREAT BRITAIN.
Located in U. S. at New York, N. Y.
Incorporated 1852. Commenced Business in U. S. 1872.
Milton Dargan, U. S. Manager.
Amount of net or ledger assets December 31, 1899 $ 1, 969, 761. 41
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums S 2,432,895.01 §
Deduct re-insurance, rebate, abatement and re-
turn premiums 546,109.38
Net cash received for premiums $ 1,886,785.63
1, 886, 785. 63
Deposit premiums received for perpetual risks 237. 00
Rents 7, 142. 07
Interest and dividends on stocks and bonds 61, 376. 01
Received from home office 167, 309. 06
Total income $ 2, 122, S49. 77
Aggregate last balance and income $ 4, 092, 611. 18
168 Document No. 10. [Session
DISBURSEMENTS.
Marine and
Fire. Inland.
■Gross cash paid for losses 8 1,4.59,580.05
Deduct salvage and re-insurance 130,307.00
Net cash paid for losses $ 1,329,273.05
$ 1,329, 273. '05
Deposit premiums returned 279. 40
Commissions or brokerage and allowances to agents 342, 767. 38
Salaries and fees of officers and employees 178, 045. 91
Taxes 64,515.34
Loss on sales or maturity — ledger assets 19, 183. 22
All other expenditures 227,264.87
Total disbursements during the year $ 2, 161,329. 17
Balance December 31, 1900 $ 1,931,282.01
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned $ 385,585.72
Book value of stocks and bonds 1,417,743.63
Cash in company's office 480.63
Cash in bank 127,472.03
Total net or ledger assets $ 1, 931, 282. 01
OTHER ASSETS.
Market value of stocks and bonds over book value 111, 706. 37
Uncollected premiums 225, 749. 15
Total admitted assets $ 2, 268, 737. 53
LIABILITIES.
Losses adjusted and unpaid $ 112,724.69
Losses in process of adjustment 137, 118. 9S
Losses resisted 26,546.37
Net amount of unpaid losses, less re-insurance f> 265, 751. 50
Total unearned premiums 1, 392, 339. 06
Amount reclaimable on perpetual fire risks 6, 764. 85
Salaries, rents, etc., due and accrued" 5, 000. 00
Total liabilities $ 1,669,855.41
Net surplus 598,882.12
Total liabilities, including cash capital and net surplus f 2, 268, 737. 53
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year 8 283,426,329.00 $ 2,807,454.64
Written during year 241,298,167.00 2,444,125.74
Total $ 524,724,496.00 $ 5,251,580.38
Deduct those expired and marked off as terminated 225,850,420.00 2,263,454.94
In force at end of year $ 29S,874,076.00 $ 2,988,125.44
Deduct amount re-insnred 22,851,876.00 207,416.81
Net amount in force at end of year $ 276,022,200.00 8 2,780,708.63
1903.]
Document No. 10.
169
PERPETUAL RISKS.
Amount. Deposits.
In force at beginning of year $ 259,800.00 8 7,500.50
Written during year 10,100.00 237.00
Total 8 2119,900.00 $ 7,807.50
Deduct those marked off as cancelled 13,800.00 291.00
In force at end of year 8 256,100.00 g 7,516.50
Largest amount in any one hazard $ 15,000.00
RECAPITULATION 7 OF FIRE RISKS AND PREMIUMS.
Year
Written.
In 1900 1
In 1899 2
In 1900 2
In 1898 3
In 1S99 3
In 1900 3
In 1897 4
In 1898 4
In 1899 4
In 1900 4
In 1890 5
In 1897 5
In 1898 5
In 1899 5
In 1900 5
Perpetual
Fraction
Term. Unearned.
year or less One-half $
years One- fourth
years Three-fourths
years One-sixth
years One-half
years Five sixths
years One-eighth
years Three-eighths
years Five-eighths
years Seven-eighths
years One- tenth
years Three-tenths
years One-half
years Seven-tenths
years Nine- tenths
95 per cent
Amount
Covered.
135,993,958.0(1 $
1,710,259.00
1,078,175.00
37,966,341.00
33,472,903.00
32,281,697.11(1
476,138.(10
644,509.00
596,955.00
746,404.00
3,975,299.00
5,110,700.00
8,910,103.00
6,286,177.00
6,766,582.00
256,100.00
Premiums
Charged.
1,480,186.85 $
14,806.75
12,477.71
334,062.79
276,841.71
295,291.13
4,532.94
5,471.05
5,023.61
6,624.13
50,955.72
60,763.84
79,357.26
71,942.80
82,310.34
7,516.50
Premiums
Unearned.
740,093.42
3,716.69
9,358.28
55,677.13
138,420.85
246,075.94
566.62
2,051.64
3,139.76
5,796.11
5,095.57
18,229.15
39,678.63
50,359.96
74,079.31
6,764.85
Totals $ 276,278,300.00 8
3,225.13 S 1,399,103.91
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year-
Net premiums received during
year
Increase in gross uncollected
premiums S
Increase in re-insurance fund
Total net premiums earned
Received from home office
Interest, etc., received 8
Increase in accrued interest, etc.,
_8 014,157.15
11,230.73
46,038.72
68,518.08
16,036.17
Total interest earned.
S 1,880,743.23
34,807.99
1,851,935.24
167,309.06
84,554.25
Total premiums and interest
earned
Net losses paid during year 8
Decrease in net unpaid losses
8 2,103,798.55
1,329,273.05
22,792.97
Total net losses incurred
Remitted to home office
Expenses paid 8
Total expenses incurred
738,976.56
1,306,480.08
73,616.94
738,976.56
Total losses and expenses in-
curred
Net loss for year
Decrease in surplus for year
Surplus at end of year _.
2,119,073.58
15,275.03
15,275.03
598,882.12
170
Document No. 10.
[Session
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written $ 1,666,844.00
Gross premiums received 19,988.23
Re-insurance premiums 1,021.17
Losses paid 8,728.33
Losses incurred 8,623.69
LAFAYETTE FIRE INSURANCE COMPANY
OF NEW YORK.
Located at New York, N. Y. Reorganized 1897. Commenced Business 1897.
Allen W. Adams, President. Edward H. Betts, Secretary.
Cash capital, $200, 000.
Amount of net or ledger assets December 31, 1899 $
INCOME.
Fire.
Gross cash received for premiums $ 311,995.85. $.
Deduct re-insurance, rebate, abatement and return
premiums 81,983.41 _.
Marine and
Inland.
Net cash received for premiums $ 230,012.44
Interest and dividends on stocks and bonds
Profit on sale or maturity of ledger assets
Total income
Aggregate last balance and income
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 192,02S.7o $_
Deduct salvage and re-insurance 15,249.43 __
Net cash paid for losses $ 176,779.32
Commissions or brokerage and allowances to agents
Salaries and fees of officers and employees
Taxes
All other expenditures
Total disbursements during the vear $
351, 675. 22
230, 012. 44
9, 936. 70
10, 079. 43
.$ 250, 028. 57
.$ 601, 703. 79
176, 779. 32
67, 920. 53
2, 345. 00
6, 280. 14
1, 283. 13
254,608. 12
Balance December 31, 1900 $ 347,095.67
1903.]
Document No. 10.
171
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of stocks and bonds 5 309,400.00
Cash in bank 37,695.00
Total net or ledger assets $ 347,095.67
OTHER ASSETS.
Eents and interest due and accrued -
Uncollected premiums
Total admitted assets
LIABILITIES.
Losses in process of adjustment $ 15, 589. "in
Net amount of unpaid losses 1
Total unearned premiums
Return and re-insurance premiums
Total liabilities $
Cash capital
Net surplus
Total liabilities, including cash capital and net surplus
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks.
In force at beginning of year S 19,570,055.00
Written during year 29,788,455.00
Total 8 49,358,510.00
Deduct those expired and marked off as terminated 24,768,818.00
In force at end of year 8 24,589,692.00
Deduct amount re-insured 1,932,896.00
Net amount in force at end of year S 22,656,796.00
Largest amount in any one hazard $ 12,500.00
1, 763. 55
30, 743. 47
.$ 379, 602. 69
15, 589. 10
135, 193. 27
689. 76
$ 151,472.13
200, 000. 00
28, 130. 56
$ 379, 602. 69
Premiums.
$ 206,301.71
323,71)3.42
8 530,005.13
252,808.32
3 277,196.81
17.072.77
8 260,124.04
Year
Written.
In 1900 1
In 1899 2
In 1900 2
In 1898 3
In 1899 3
In 1900 3
In 1898 4
In 1899 4
In 1900 4
In 1897 5
In 1898 5
In 1899 5
In 1900 5
Totals
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Fraction
Unearned.
Term.
year or less One-half
years One-fourth
years Three- fourths.
years One-sixth
years One-half
years Five-sixths
years Three-eighths
yeaTS Five-eighths..
years Seven-eighths.
years Three- tenths-
years One-half
vears Seven- tenths-
years Nine-tenths _..
Amount
Premiums
Premiums
Covered.
Charged.
Unearned.
17,993,492.00 ^ 213,227.86 $
106,613.93
144,620.00
1,386.28
346.57
545,416.00
5,205.27
3,903.95
356,541.00
6,137.68
1,022.95
1,468,422.00
13,635.67
0,817.84
1,540,715.00
11,396.04
9,490.7ii
2,000.00
25.85
9.69
46,804.00
395.65
247.28
40,631.00
917.95
803.21
3,750.00
94.25
28.28
43,417.00
790.40
395.20
259. 091'.. 00
3.561.80
2.493.26
211,892.00
3,349.34
3,014.41
-8 22,656,796.00 S 260,104.24 $ 135,193.27
172 Document No. 10. [Session
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year $ 9 736.32
Net premiums received during
year $ 230,012.44
Increase in gross uncollected
premiums $ 4,034.45
Increase in re-insurance fund— 31,636.62 26,702.17
Total net premiums earned $ 203,310.27
Interest, etc., received $ 9,936.70
Increase in accrued interest, etc., 10,053.36
Total interest earned 19,990,06
Total premiums and interest
earned $ 223,300.33
Net losses paid during year g 176,779.32
Decrease in net unpaid losses 10,726.59
Total net losses incurred $ 166,052.73
Expenses paid $ 77,828.80
Increase in unpaid expenses 9,024.56
Total expenses incurred 86, 853.3C
Total losses and expenses in-
curred 252,906.09
Net loss for year $ 29,605.76
Additional surplus paid in by
stockholders 48,000.00
Increase in surplus for year $ 18,394.24
Surplus at end of year $ 28,130.56
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written $ 211,179.00
Gross premiums received 2 406.56
Re-insurance premiums 1.40
Losses paid 1.04
Losses incurred 730.21
Number of agents working in State during year, 1.
1903.] Document No. 10. 173
LAW UNION AND CROWN INSURANCE COMPANY
OF GREAT BRITAIN.
Located in U. S. at New York, N. Y.
Incorporated 1825. Commenced Business in U. S. 1897.
Hall & HenshaWj U. S. Managers.
Amount of net or ledger assets December 31,1899 $ 614,435.11
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 55S,707.60 $
Deduct re-insurance, rebate, abatement and return
premiums 175,982.07
Net cash received for premiums S 382,725.53
3S2, 725. 53
Interest and dividends on stocks and bonds 19,990.00
Interest and dividends from all other sources 114. 29
Cash from home office 17, 796. 00
Total income 8 420, 625. 82
Aggregate last balance and income $ 1, 035, 060. 93
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 306,598.16 $
Deduct salvage and re-insurance 51,001.29
Net cash paid for losses S 255,596.87 $_
255, 596. 87
Commissions or brokerage and allowances to agents 104, 423. 58
Salaries and fees of officers and employees 6, 877. 54
Taxes 11,639.27
Remitted to home office 32, 618. 28
All other expenditures 8, 531. 65
Total disbursements during the year $ 419,787.19
Balance December 31, 1900 S 615,273.74
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of stocks and bonds S 601,797.25
Cash in company's office 4,991.86
Cash in bank 8,129.29
Agents' debit balances 355.:; I '
Total net or ledger assets $ 615,273.74
174
Document No. 10.
[Session
OTHER ASSETS.
Rents and interest due and accrued $ 3, 513. 63
Market value of stocks and bonds over book value 32, 182. 75
Uncollected premiums 42, 335. 46
Total admitted assets $ 693,305.58
LIABILITIES.
Losses adjusted and unpaid $ 8,036.32
Losses in process of adjustment 44,482.59
Losses resisted 1,275.00
Net amount of unpaid losses, less re-insurance $ 53, 779. 96
Total unearned premiums 226, 174.47
Return and re-insurance premiums 5, 404. 27
Total liabilities $ 285,358. 70
Net surplus 407,946.88
Total liabilities, including cash capital and net surplus $ 693, 305. 58
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year $ 35,778,790.00 $ 358,532.25
Written during year 50,199,582.00 557,435.23
Total $ 85, 978, 378. 00 $ 915,967.48
Deduct those expired and marked off as terminated 40,814,232.0(1 422,865.16
In force at end of year $ 45,164,146.00 $ 493,102.32
Deduct amount re-insured 5,354,260.00 54,371.14
Net amount in force at end of year $ 39,809,S86.00 $ 438,731.18
Largest amount in any one hazard $ 15,000.00
Year
Written.
In 1900 1
In 1899 2
In 1900 2
In 1898 3
In 1899 3
In 1900 3
In 1897 4
In 1898 4
In 1899 4
In 1900 4
In 1896 5
In 1897 5
In 1898 5
In 1899 5
In 1900 5
Totals
RECAPITULATION OP FIRE RISKS AND PREMIUMS.
Fraction
Term. Unearned.
year or less One-half $ 29,117,912.00
years One-fourth
years Three-fourths
years One-sixth
years One-half
years Five-sixths
years One-eighth
years Three-eighths
years Five-eighths
years Seven-eighths
years One-tenth
years Three-tenths
years One-half
years Seven-tenths
years Nine-tenths
Amount
Covered.
Premiums
Charged.
Premiums
Unearned.
!9, 117,912.00 $
307,914.03 $ 153,957.02
327,693.00
2,417.28
604.32
442,665.00
5,624.95
4,218.71
3,166,237.00
32,609.57
5,434.92
1,427,976.00
18,950.39
9,475.19
2,310,363.00
36,139.44
30,116.21
194,500.00
L,970.64
246.33
384,270.00
3,964.51
1,486.69
283,050.00
1,813.00
1,133.12
228,219.00
2,066.31
1,808.02
163,125.00
1,834.68
550.40
777,752.00
6,010.32
3,005.16
430,676.00
7,680.41
5,376.29
554,848.00
9,735.65
8,762.06
.$ 39, 80! I, S8fi.no
438,731.18
226,174.47
1903.] Document No. 10. 175
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year $ 474,937.11
Net premiums received during
year $ 382,725.53
Decrease in gross uncollected
premiums - 6,676.64
Increase in re-insurance fund 57,764.67 64,441.31
Total net premiums earned S 318,284.22
Interest, etc., received 8 20,104.29
Increase in accrued interest, etc.. 17,897.34
Total interest earned 38,001.63
Total premiums and interest
earned 8 35G,285.85
Net losses paid during year 8 255,596.87
Increase in net unpaid losses 18,414.01
Total net losses incurred S 274,010.88
Expenses paid S 131,572.04
Increase in unpaid expenses 2,870.88
Total expenses incurred 134,442.92
Total losses and expenses in-
curred 408,453.80
Net loss for year - 52,167.95
Remitted to home office during
year 14,822.28
Decrease in surplus for year S 66,990.23
Surplus atend of year S 407,946.88
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written. S 169,195.00
Re-insurance premiums 2,161.77
Losses paid 3.13
Losses incurred 3.13
176 Document No. 10. [Session
LION FIRE INSURANCE COMPANY OF
GREAT BRITAIN.
Located in U. S. at Hartford, Conn.
Incorporated 1879. Commenced Business in U. S. 1880.
James H. Brewster, Manager.
Cash capital, $560, 069.
Amount of net or ledger assets December 31, 1899 $ 810, 549. 15
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 825,816.01 $
Deduct re-insurance, rebate, abatement and re-
turn premiums 260,001.93
Net cash received for premiums $ 565,754.08 $.
565, 754. 08
Rents 308.00
Interest received on mortgages 11, 609. 13
Interest and dividends on stocks and bonds 14, 654. 66
Interest and dividends from all other sources 517. 53
Profit on sale or maturity of ledger assets 3,659.38
Total income $ 596,502.78
Aggregate last balance and income $ 1, 407, 051. 93
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 447,823.73 $
Deduct salvage and re-insurance 88,377.50
Net cash paid for losses $ 350,446.23 $-
359, 446. 23
Commissions or brokerage and allowances to agents 122,440. 76-
Salaries and fees of officers and employees 32, 169. 43
Taxes 23,388.99
Loss on sales or maturity — ledger assets 76. 78.
All other expenditures 64,213.00
Total disbursements during the year $ 601, 735. 19
Balance December 31, 1900 $ 805,316.74
1903.] Document No. 10. 177
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned $ 4,500.00
Loans on mortgages 232,577.50
Book value of stocks and bonds 468,793.75
Cash in company's office 145.94
Cash in bank 71,538.17
Agents' debit balances 27,877.49
$ 805, 432. 85
Deduct agents' credit balances $ 116.11
116.11
Total net or ledger assets $ 805,316.74
OTHER ASSETS.
Rents and interest due and accrued _____ 12,362.23
Market value of stocks and bonds over book value 16, 596. 25
Uncollected premiums 44, 948. 86
Gross assets $ 879,224.08
Non-admitted assets —
Depreciation in book value real estate, etc $ 4,200.00
Total deductions- 4,200.00
Total admitted assets $ 875,024.08
LIABILITIES.
Losses adjusted and unpaid 8 20,425.90
Losses in process of adjustment 30,602.10
Losses resisted 2,100.00
Net amount of unpaid losses, less re-insurance $ 49, 442. 27
Total unearned premiums 433,812.47
Commissions'due agents and brokers 3, 212. 00
Return and re-insurance premiums 14,898.98
Total liabilities $ 501,365.72
Net surplus 373,658.36
Total liabilities, including cash capital and net surplus $ 875, 024. 08
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Rim;s. Premiums.
In force at beginning of year $ 88,23%797.00 $ 942,167.85
Written during year 73,40fi,600.00 825,816.01
Total $ 161,642,397.00 $ 1,767,983.86
Deduct those expired and marked off as terminated 68,465,631.00 753,807.07
In force at end of year $ 93,176,766.00 $ 1,014,176.79
Deduct amount re-insured 13, 323, 509.hu 158,842.84
Net amount in force at end of year $ 79,853,257.00 $ 855,333.95
Largest amount in any one hazard - $ 10,000.00
12
178
Document No. 10.
[Session
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year
Written.
In 1900 I
In 189!) 2
In 1900 2
In 1898 3
In 1899 3
In 1900 3
In 1897 4
In 1898 4
In 1899 4
In 1900 4
In 1896 5
In 1897 5
In 1898 5
In 1899 5
In 1900 5
Fraction
Term. Unearned.
year or less One-half
years One-fourth
years Three-fourths .
years One-sixth
years One-half
years Five-sixths
years One-eighth
years Three-eighths.
years Five-eighths _.
years Seven-eighths .
years One-tenth
years Three-tenths __
years One-half
years Seven-tenths —
years Nine-tenths
Amount
Covered.
35,959,129.0(1 $
450,335.00
737,450.00
10,181, 955. OH-
IO, 637, 232. 00
10,480,783.00
145,724.00
491,017.00
442,431.00
302,542.00
1,075,049.00
2,199,227.00
2,489,770.00
2,329,74S.OO
1,930,865.00
Premiums
Charged.
429,522.30
2,440.79
5,129.29
93,524.07
97,165.59
94,587.09
1,053.24
3,714.38
3,384.33
2,129.02
15,985.66
25,530.37
27,550.17
25,949.19
27,068.46
Totals _. $ 79,853,257.00 $
855,333.95 $
Premiums
Unearned.
214,761.15
610.20
3,846.96
45,587.34
48,582.80
78,822.58
131.66
1,392.89
2,115.20
1,862.90
1,598.56
7,659.11
13,775.08
18,164.43
24,901.61
433.812.47
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year-
Net premiums received during
year
Decrease in gross uncollected
premiums $
Decrease in re-insurance fund-
Total net premiums earned
Interest, etc., received $
Increase in accrued interest, etc.,
Total interest earned
Total premiums and interest
earned
Net losses paid during year $
Increase in net unpaid losses
Total net losses incurred
Expenses paid ft
Increase in unpaid expenses
Total expenses incurred
Total losses and expenses in-
curred
Net gain for year
Remitted to home office during
year
Increase in surplus for year
Surplus at end of year
272.50
16,364.09
26,859.48
5,215.02
359,446.23
9,662.10
211,515.79
1,274.42
565,754.08
16,091.59
581,845.67
32,074.50
309,108.33
212,790.21
613, 92ii. 17
581,898.54
32,021.63
30,466.55
1,555. OS
372,103.28
373,658.36
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Gross risks written
Gross premiums received.
Losses paid
Losses incurred
Fire Risks.
301,868.00
5,385.83
2,794.56
5,939.47
Number of agents working in State during year, 17.
1903.] Document No. 10. 179
LIVERPOOL AND LONDON AND GLOBE INSURANCE
COMPANY OF GREAT BRITAIN.
Located in U. S. at New York, N. Y.
Incorporated 1836. Commenced Business in IT. S. 1848.
Henry W. Eaton, Resident Manager. George W. Hoyt, Deputy Manager.
Deposit capital, $200, 000.
Amount of net or ledger assets December 31, 1899 $ 8, 181, 892. 69
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 6,695,2S0.70 $.
Deduct re-insurance, rebate, abatement and return
premiums 1,693,292.19 __
Net cash received for premiums $ 5,001,988.51 $.
5, 001, 988. 51
Deposit premiums received for perpetual risks 8, 015. 20
Rents 95,595.78
Interest received on mortgages 138, 046. 40
Interest received on collateral loans 39. 11
Interest and dividends on stocks and bonds 83,455.00
Interest and dividends from all other sources 12, 908. 99
Received from home office 109,015.91
From all other sources 1, 987. 71
Total income $ 5,451,052. 61
Aggregate last balance and income $ 13, 632, 945. 30
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 3,988,805.43 $
Deduct salvage and re-insurance 657,832.38
Net cash paid for losses $ 3, 331, 013.05
3, 331, 013. 05
Deposit premiums returned 14, 199. 13
Commissions or brokerage and allowances to agents 854, 883. 41
Salaries and fees of officers and employees 335, 380. 71
Taxes 179,282.82
Loss on sales or maturity — ledger assets 10, 297. 05
Remitted to home office 275, 400. 37
All other expenditures 334,969.30
Total disbursements during the year $ 5,335,425.84
Balance December 31, 1900 $ 8,297,519.46
]80 Document No. 10. [Session
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned $ 1,859,430.79
Loans on mortgages 3,194,3.50.00
Book value of stocks and bonds ! 2,358,520.75
Cash in company's office 2,444.3G
Cash in bank 881,541.13
Bills receivable 2,175.00., „ „, „ „
-■ $ 8, 298, 462. 03
Deduct bills receivable $ 942.57
942. 57
Total net or ledger assets 8,297,519.46
OTHER ASSETS.
Rents and interest due and accrued 48, 622. 90
Market value of real estate over book value 51, 817. 21
Market value of stocks and bonds over book value 386, 649. 25
Uncollected premiums 861, 855. 94
All otber 332.66
Total admitted assets $ 9,646,797.42
LIABILITIES.
Losses adjusted and unpaid $ 647.24
Losses in process of adjustment 521,862.26
Losses resisted 83,900.00
Net amount of unpaid losses, less re-insurance $ 511, 074. 09
Total unearned premiums 3, 771, 409. 96
Amount reclaimable on perpetual fire risks 317, 486. 15
Return and re-insurance premiums 232, 842. 33
All other liabilities 104,599.09
Total liabilities $ 4,937,411.62
Total liabilities, including cash capital and net surplus $ 9, 646, 797. 42
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year $ 937,910,567.00 $ 7,796,809.54
Written during year 757,820,529.00 i;, 874,759. 19
Total $1,695, 737,091). 00 $ 14,071,028.73
Deduct those expired and marked off as terminated 702,361,788.00 2,201,644.47
In force at end of year $ 993,375,308.00 $ 8,469,984.20
Deduct amount re-insured 129, 518, 270. 00 1,063,607.68
Net amount in force at end of year $ 863,857,032.00 $ 7,406,370.58
Largest amount in any one hazard $ 400,000.00
PERPETUAL RISKS. Amount. Deposits.
In force at beginning of year $ 10,110,064.00 $ 340,148.66
Written during yea' 161,038.00 8,242.41
Total $ 10,272,302.00 $ 348,391.07
Deduct those marked off as cancelled 356,763.00 14,195.13
In force at end of year $ 9,915,539.00 $ 334,195.94
Losses incurred during year $ 3,798.36
Losses paid during year 4,598.36
Largest amount in any one hazard 75,000.00
1903.] Document No. 10. 181
RECAPITULATION OF FIEE RISKS- AND PREMIUMS.
Year Fraction Amount Premiums Premiums
Written. Term. Unearned. Covered. Charged. Unearned.
In 1900 1 year or less One-half S 307,742,691.00 $ 3,694,313.32 $ 1,847,156.66
In 1S99 2 years One-fourth 4,620,842.00 37,967.30 9,491.82
In 19U0 2 years Three-fourths 4,004,747.00 21,276.00 15,957.00
In 1898 3 years One-sixth 137,665,715.00 851,580.85 141,931.14
In 1899 3 years One-half 117,557,270.00 738,042.18 369,021.09
In 1900 3 years Five-sixths 126,200,632.00 950,290.00 791,909.00
In 1897 4 years One-eighth 2,300,732.00 18,551.02 2,318.88
In 1898 4 years Three-eighths 2,622,888.00 21,367.98 8,012.97
In 1899 4 years Five-eighths 2,157,224.00 17,624.07 11,015.05
In 1900 4 years Seven-eighths 5,567,438.00 23,212.40 20,310.85
In 1896 5 years One-tenth 17,043,100.00 210,032.25 21,003.22
In 1897 5 years Three-tenths 15,736,809.00 185,008.79 55,502.63
In 1898 5 years One-half 19,542,548.00 147,477.51 73,738.75
In 1899 5 years Seven-tenths 16,895,897.00 180,103.05 126,072.13
In 1900 5 years Nine-tenths 25,961,319.00 308,013.16 277,211.85
Over 5 years Various 237,180.00 1,510.70 756.92
Perpetual 95 per cent 9,915,539.00 334,195.94 317,486.15
Totals S 873,772,571.00 $ 7,740,572.52 $ 4,088,896.11
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year $ 4,651,277.69
Net premiums received during
year S 5,001,988.51
Increase in gross uncollected
premiums $ 27,938.21
'Increase in re-insurance fund __ 238,450.15 210,511.94
Total net premiums earned $ 4,791,476.57
Interest, etc., received $ 340,058.19
Increase in accrued interest, etc., 108,676.79
Total interest earned 44s, 724. 98
Total premiums and interest
earned S 5,240,201.55
Net losses paid during year $ 3,331,013.05
Decrease in net unpaid losses — 44,316.49
Total net losses incurred S 3,286,696.50
Expenses paid S 1,729,261.02
Total expenses incurred 1,729,261.02
Total losses and expenses in-
curred 5,015,957.58
Net gain for year $ 224,243.97
Remitted to home office during
year.
166,135.
Increase in surplus for year S 58,108.11
Surplus at end of year $ 4,709,385.80
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire- Risks.
Gross risks written S 3,508,661.00
Gross premiums received 42,004.56
Losses paid 18,417.43
Losses incurred 21,347.43
182 Document No. 10. [Session
LONDON ASSURANCE CORPORATION OF
GREAT BRITAIN.
Located in IT. S. at New York, N. Y.
Incorporated 1720. Commenced Business in U. S. in 1872.
Henry J. B. Kendall, Governor.
Charles L. Case, Manager in TJ. S.
Cash capital, $2, 174,133. 75.
Amount of net or ledger assets December 31, 1899 $ 2, 117, 102. 49
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 1,055,200.71 $ 039,724.27
Deduct re-insurance, rebate, abatement and return
premiums 200,575.76 291,218.73
Net cash received for premiums $ 854,030.95 $ 348,505.54
1, 203, 136. 49
Interest and dividends on stocks and bonds 72, 516. 26
Interest and dividends from all other sources 2, 845. 29
Profit on sale or maturity of ledger assets 296. 69
Total income $ 1,278,794.73
Aggregate last balance and income $ 3, 395, 897. 22
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 589,840.21 $ 389,223.58
Deduct salvage and re-insurance 73,987.50 195,472.33
Net cash paid for losses $ 515,852.65 $ 193,751.25
709, 603. 90
Remitted to head office 113, 221. 35
Commissions or brokerage and allowances to agents 201, 781. 67
Salaries and fees of officers and employees 88, 627. 83
Taxes 44,579.32
Loss on sales or maturity — ledger assets 179. 00
All other expenditures 62,301.68
Total disbursements during the year $ 1, 220, 294. 75
Balance December 31, 1900 $ 2,175,602.47
1903.] Document No. 10. 183
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of stocks and bonds $ 1,926,188.75
Cash in company's office 1,479.04
Cash in bank 233,419.87
Due from other companies for losses 14,514.81
Total net or ledger assets $ 2, 175,602.47
OTHER ASSETS.
Rents and interest due and accrued 5, 889. 59
Market value of stocks and bonds over book value 64, 785. 00
Uncollected premiums 168, 681. 81
Bills receivable 132. 78
Total admitted assets $ 2,415,091.65
LIABILITIES.
Losses adjusted and unpaid $ l'i4,867.00
Losses in process of adjustment 51,306.00
Losses resisted 17,700.00
Net amount of unpaid losses $ 162, 807. 00
Total unearned premiums : 777, 280. 33
Amount reclaimable on perpetual fire risks 174. 80
Salaries, rents, etc., due and accrued 10,500.00
Return and re-insurance premiums 55, 319. 79
Total liabilities $ 1,006.081.92
Net surplus 1,409,009. 73
Total liabilities, including cash capital and net surplus $ 2, 415, 091. 65
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year $ 172,295,768.00 $ 1,493,803.13
Written during year 111,334,574.00 1,058,347.00
Total $ 283,630,342.00 $ 2,552,150.13
Deduct those expired and marked off as terminated 111,064,615.00 987,918.18
In force at end of year $ 172,565,727.00 $ 1,564,231.95
Deduct amount re-insured 9,468,916.00 72,454.13
Net amount in force at end of year $ 163,096,811.00 $ 1,491,777.82
Largest amount in any one hazard $ 50,000.00
Marine and
Inland. Premiums.
In force at beginning of year $ 6,563,741.00 $ 45,883.17
Written during year 101,956,751.00 640,522.34
Total $ 108,520,492.00 $ 686,405.51
Deduct those expired and marked off as terminated—' 99,828,852.00 635,137.54
In force at end of year $ 8,691,640.00 $ 51,207.97
Deduct amount re-insured 2,385,376.00 15,909.84
Net amount in force at end of year $ 6,306,264.00 $ 35,358.13
184 Document No. 10. [Session
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year Fraction Amount Premiums Premiums
Written. Term. Unearned. Covered. Charged. Unearned.
In 1900 1 year or less One-half $ 58,430,877.00 $ G10,792.G9 $ 305,396.35
In 1899 2 years One-fourth 602,621.00 5,428.30 1,357.09
In 1900 2 years Three-fourths 334,712.00 2,837.22 2,127.92
In 1898 3 years One-sixth 22,940,633.00 169, 536. 1G 28,256.03
In 1899 3 years One-half 21,402,209.00 15S,415.29 79,207.65
In 1900 3 years Five-sixths 21,704,516.00 106,966.55 139,138.78
In 1897 4 years One-eighth 803,618.00 6,974.93 871.87
In 1898 4 years Three-eigths 596,126.00 4,310.47 1,616.43
In 1899 4 years Five-eighths 666,948.00 5,502.11 3,438.82
In 1900 4 years Seven-eighths 338,497.00 3,393.15 2,969.01
In 1896 5 years One-tenth 6,225,021.00 70,797.57 7,079.76
In 1897 5 years Three-tenths 6,692,952.00 73,258.28 21,977.49
In 1898 5 years One-half 9,313,301.00 74,719.10 37,359.55
In 1899 5 years Seven-tenths 6,639,355.00 68,294.16 47,805.92
In 1900 5 years Nine-tenths 6,381,725.00 70,331.53 63,298.38
Over 5 years Seven-twelfths — 6,500.00 36.25 21.15
Perpetual 95 per cent. _:. 11,200.00 184.00 174.80
Totals $163,096,811.00 $ 1,491,777.82 $ 742,097.00
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginningof year $ 1,363,029.26
Net premiums received during
year 8 1,203,136.49
Decrease in gross uncollected
premiums $ 26,539.83
Increase in re-insurance fund— 16,533.77 43,073.60
Total net premiums earned I 1,160,062.89
Interest, etc., received f 75,361.55
Increase in accrued interest, etc., 44,302.69
Total interest earned . 119,664.24
Total premiums and interest
earned S 1,279,727.13
Net losses paid during year $ 709,603.90
Increase in net unpaid losses „__ 11,739.55
Total net losses incurred $ 721,343.45
Expenses paid $ 397,297.50
Increase in unpaid expenses 1,891.36
Total expenses incurred 399,181.86
Total losses and expenses in-
curred 1.120,525.31
Net gain for year 8 159.201.82
Remitted to home office during
year ■ 113,221.35
Increase in surplus for year $ 45,980.47
Surplus at end of year $ 1,409,009.73
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Marine and
Fire Risks. Inland.
Gross risks written $ 545.704.00 $ 2,762,762.00
Gross premiums received : 9,738.43 17,676.92
Losses paid l.» 5,353.66 9,537.60
Losses incurred 5,338.66 9,539.60
1903.] Document No. 10. 185
LONDON AND LANCASHIRE FIRE INSURANCE COMPANY
OF GREAT BRITAIN.
Located in U. S. at New York, N. Y.
Incorporated 1861. Commenced Business in U. S. in 1879.
Archibald G. McIlwaine, Jr., Manager.
Deposit capital, $200,000.
Amount of net or ledger assets December 31, 1899 $ 2,531,571.02
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 2, 432, 476. 48 $
Deduct re-insurance, rebate, abatementand return
premiums S23,273.25
Net cash received for premiums S 1,609,203.23 f_
1,609,203.23
Rents 17, 149. 17
Interest and dividends on stocks and bonds 71,242.56
Total income $ 1,697,594.96
Aggregate last balance and income $ 4, 229, 165. 98
DISBURSEMENTS. •
Marine and
Fire. Inland.
Gross cash paid for losses $ 1,188,921.34
Deduct salvage and re-insurance 267,271.33
Net cash paid for losse.« $ 921,650.01 $_
921,650.01
Commissions or brokerage and allowances to agents 298, 187. 34
Salaries and fees of officers and employees 145,006.09
Taxes- . 57,293.23
Loss on sales or maturity — ledger assets 13, 232. 00
Remitted to head office 404, 620. 15
All other expenditures 193, 574. 56
Total disbursements during the year $ 2,033,562.38
Balance December 31, 1900 $ 2,195,603.60
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned 8 300,000.00
Book value of stocks and bonds 1,598,277.63
Cash in company's office 34,95(1.93
Cash in bank. 68,859.67
Bills receivable 4,861.97
Total net or ledger assets $ 2, 195,603.60
186 Document No. 10. [Session
OTHER ASSETS.
Rents and interest due and accrued $ 22, 724. 09
Market value of stocks and bonds over book value 106, 376. 62
Uncollected premiums 250, 798. 66
Re-insurance due on paid losses 971. 66
Gross assets $ 2,576,474.63
Non-admitted assets —
Cash in hands of special agents $ 936. 4t
Balances due from other companies 999.66
Total deductions 1,936.07
Total admitted assets $ 2,574,538.56
LIABILITIES.
Losses adjusted and unpaid $ 48,524.13
Losses in process of adjustment 90,828.55
Losses resisted 19,009.46
Net amount of unpaid losses, less re-insurance $ 137, 634. 29
Total unearned premiums 1, 466, 834. 54
Return and re-insurance premiums ,29, 159.94
Total liabilities $ 1,633,628.77
Net surplus „ 940,909.79
Total liabilities, including casb capital and net surplus $ 2, 574, 538. 56
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year _• $ 443,647,404.00 $ 3,280,121.63
Written during year 275,247,277.00 2,445,221.19
Total $ 718,894,681.00 8 5,725,342.82
Deduct those expired and marked off as terminated 284,791,203.00 2,344,572.23
In force at end of year — $ 434,103,478.00 8 3,380,770.59
Deduct amount re-insured . 46,249,735.00 392,840.30
Net amount in force at end of year $ 387,853,743.00 $ 2,987,930.29
Largest amount in any one hazard $ 50,000.00
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year. Fraction Amount Premiums Premiums
Written. Term. Unearned. Covered. Charged. Unearned.
In 1900 1 yearorless._One-half $113,441,018.00 $ 1,236,488.33 $ 618,244.17
In 1901 All 645,141.00 2,853.83 2,853.83
In 1899 2 years One-fourth 1,728,346.00 12,130.87 3,032.72
In 1900 2 years Three-fourths 976,842.00 6,031.05 4,523.29
In 1901 All 12,500.00 30.37 30.37
In 1898 3 years One-sixth 87,408,781.00 450,550.38 75,092.72
In 1899 3 years One-half 64,707,627.00 357,777.11 178,888.55
In 1900 _-___3 years Five-sixths 54,698,608.00 361,070.12 300,896.76
In 1901 All :__. 761,909.00 2,688.25 2,688.25
In 1897 4 years One-eighth 729,127.00 6,263.21 782.90
In 1898 4 years Three-eighths 1,112,719.00 8,673.07 3,252.39
In 1899 4 years Five-eighths 1,025,109.00 8,049.05 5,030.65
In 1900 4 years Seven-eighths 837,274.00 6,619.57 5,792.12
In 1896 5 years One-tenth 10,103,645.00 93,054.91 9,305.49
1903.] Document No. 10. 187
In 1897 5 years Three-tenths $ 12,048,911.00 $ 112,625.78 $ 33,787.72
In 1898 5 years One-half 16,925,272.00 113,767.63 56,883.81
In 1899 5 years Seven-tenths 10,343,911.00 97,050.04 67,935.02
In 1900 5 years Nine-tenths 9,399,217.00 104,192.48 93,773.22
In 1901 All 5,300.00 48.43 48.43
Over 5 years Prorata 942,486.00 7,953.81 3,992.13
Totals $387,853,743.00 $ 2,987,930.29 S 1,466,834.54
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year 8 1,079,083.11
Net premiums received during
year $ 1,609,203.23
Increase in gross uncollected
premiums $ 34,304.88
Decrease in re-insurance fund ._ 48,981.43 83,286.31
Total net premiums earned $ 1,692,489.54
Interest, etc., received $ 74,679.64
Increase in accrued interest, etc., 38,993.93
Total interest earned 113,673.57
Total premiums and interest
earned $ 1,806,163.11
Net losses paid during year $ 921,65(1.01
Decrease in net unpaid losses 23,828.13
Total net losses incurred $ 897,821.88
Expenses paid $ 631,788.60
Increase in unpaid expenses 10,105.80
Total expenses incurred 641,894.40
Total losses and expenses in-
curred 1,539,716.28
Net gain for year $ 266,446.83
Remitted to home office during
year 404,620.15
Decrease in surplus for year $ 138,173.32
Surplus at end of year $ 940,909.79
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written $ 1,167,897.00
Gross premiums received 12,280.38
Re-insurance premiums 1,390.05
Losses paid 4,911.16
Losses incurred 5,219.16
Number of agents working in State during year, 16.
188 Document No. 10. [Session
MAGDEBURG FIRE INSURANCE COMPANY OF GERMANY.
Located in U. S. at New York, N. Y.
Incorporated 1S44. Commenced Business in U. S. 1896.
P. E. Rasor, U. S. Manager. Ad. Dohmeyer, Assistant II. S. Manager.
Amount of net or ledger assets December 31, 1899 $ 826, 311. 31
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 1,102,635.82
Deduct re-insurance, rebate, abatement and re-
turn premiums 320,9S7.33
Net cash received for premiums $ 781,648.43 $_
781, 648. 49
Interest and dividends on stocks and bonds 26, 707. 22
Remittance from borne office 77,418.75
Total income $ 885, 774.46
Aggregate last balance and income $ 1, 712, 085. 77
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 008,440. GO $
Deduct salvage and re-insurance 52,964.20
Net cash paid for losses S 555,476.40 «_
555, 476. 40
Commissions or brokerage and allowances to agents 165, 410. 80
Salaries and fees of officers and employees 70, 296. 94
Taxes 29,196.69
Remittances to home office 596. 13
All other expenditures 76, 325. 25
Total disbursements during the year $ 897, 302. 21
Balance December 31, 1900 $ 814,783.56
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of stocks and bonds $ 770,725.00
Cash in company's office 708.87
Cash in bank 157.57
Cash in hands of trustees 43,192.12
Total net or ledger assets $ 814, 783. 56
1903.] Document No. 10. 189
OTHER ASSETS.
Rents and interestdue and accrued $ 7, 612. 50
Market value of stocks and bonds over book value 20,087.50
Uncollected premiums 86,424.46
Total admitted assets «_ 928, 908. 02
LIABILITIES.
Losses in process of adjustment 8 SI, 479. 85
Net amount of unpaid losses, less re-insurance ■--$ 71,524.85
Total unearned premiums 517,043.99
Total liabilities % 588,568.84
Net surplus 5^339^18
Total liabilities, including cash capital and net surplus $ 928, 908. 02
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year S 74,358,065.00 $ 887,75S.98
Written during year 102,206,682.00 1,091,313.52
Total 8 176,565,647.00 $ 1,979,072.50
Deduct those expired and marked off as terminated 81,989,151.00 905,870.23
In force at end of year S 94,576,496.00 $ 1,073,202.27
Deduct amount re-insured 9,470,283.00 93,400.51
Net amount in force at end of year $ 85,106,213.00 $ 979, S01. 76
Largest amount in any one hazard S 20,000.00
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year Fraction Amount Premiums Premiums
Written. Term. Unearned. Covered. Charred. Unearned.
In 1900 lyearorless One-half S 54,205,938.00 $ 632,530.35 $ 316,265.18
In 1899 2 years One-fourth 333,992.00 3,188.12 797.03
In 1900 2 years Three-fourths 1,664,247.00 10,506.27 7,879.70
In 1898 3 years One-sixth 5,326,071.00 66.452.86 11,075.47
In 1899 3 years One-half 5,274,532.00 61,501.38 30,750.69
In 1900 3 years Five-sixths 9,047,693.00 94,928.27 79,106.89
In 1897 4 years One-eighth 126,650.00 1,406.39 175.80
In 1898 4 years ^Three-eighths 117,072.00 1,405.37 527.01
In 1899 4 years Five-eighths 267,761.00 2,784.67 1,740.42
In 1900 4 years Seven-eighths 585,575.00 6,136.95 5,369.83
In 1896 5 years One tenth 96,166.00 1,351.62 135.10
In 1897 5 years Three-tenths 1,583,405.00 18,808.78 5,642.63
In 1898 5 years One-half 1,826,398.00 22,135.88 11,067.94
i In 1899 5 years Seven-tenths 1,890,644.00 22,440.63 15,708.44
In 1900 5 years Nine-tenths 2,760,069.00 34,224.22 30,801.80
Totals S 85,106,213.00 3 979,801.76 $ 517.043.99
190
Document No. 10.
[Session
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year $ 394,293.15
Net premiums received during
year S 781,04S.49
Decrease in gross uncollected
premiums $ 11,322.30
Increase in re-insurance fund— 68,813.82 SO, 136. 12
Total net premiums earned $ 701,512.37
Interest, etc., received $ 104,125.97
Increase in accrued interest, etc., 1,425.00
Total interest earned 105,550.97
Total premiums and interest
earned $ 807,063.34
Net losses paid during year $ 555,476.40
Decrease in net unpaid losses 34,724.15
Total net losses incurred 8 520,752.25
Expenses paid $ 341,825.81
Decrease in unpaid expenses 1,560.75
Total expenses incurred 340,265.06
Total losses and expenses in-
curred 861,017.31
Net loss for year $ 53,953.97
Decrease in surplus for year 53,953.97
Surplus at end of year f 340,339. IS
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written $ 474,033.00
Gross premiums received 5,700.69
Re-insurance premiums 432.14
Losses paid 1,417.80
Losses incurred 1,417.80
Number of agents working in State during year, 11.
1903.] Document No. 10. 191
MANCHESTER ASSURANCE COMPANY OF GREAT
BRITAIN.
Located in U. S. at New York, N. Y.
Incorporated 1824. Commenced Business in U. S. 1890.
George S. A. Young, U. S. Manager.
Cash capital, $1, 000,000.
Amount of net or ledger assets December 31, 1S99 $ 1, 468, 408. 61
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 2,038,019.54 $
Deduct re-insurance, rebate, abatement and return
premiums 650,769.48
Net cash received for premiums $ 1,387,250.00
1,387,250.06
Interest and dividends on stocks and bonds 52, 496. 72
Profit on sale or maturity of ledger assets 8, 033. 44
Received from home office 156, 757. 00
Total income $ 1,604,536.22
Aggregate last balance and income $ 3, 072, 944. 83
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 1,058,123.21 $_
Deduct salvage and re-insurance 182,072.04 _.
Net cash paid for losses $ 876,051.17 8-
876, 051. 17
Commissions or brokerage and allowances to agents 283, 502. 36
Salaries and fees of officers and employees 86, 602. 08
Taxes 60, 701. 73
Remittances to home office 146, 903. 53
All other expenditures 90,228.48
Total disbursements during the year $ 1, 543,989. 35
Balance December 31, 1900 $ 1,528,955.48
192
Document No. 10.
[Session
ASSETS
AS PER LEDGER ACCOUNTS.
Book value of real estate owned $ 2,900.00
Book value of stock and bonds 1,368,350.85
Cash in company's office 21,944.54
Cash in bank 135,157.66
Bills receivable 602.43
Total net or ledger assets $ 1,528,955.48
OTHER ASSETS.
Rents and interest due and accrued
Market value of real estate over book value
Market value of stocks and bonds over book value
Uncollected premiums
All other
5,054. 17
412. 14
32, 529. 15
223, 318. 82
5, 222. 18
Gross assets § 1,795,491.94
Non-admitted assets —
Bills receivable, past due S 44S.50
Premiums more than three months due 928.33
Total deductions
Total admitted assets
1, 376. S3
1,794,115.11
LIABILITIES.
Losses adjusted and unpaid
Losses in process of adjustment.
Losses resisted
S8,244.S5
98,532.09
15,203.20
Net amount of unpaid losses, less re-insurance $ 174, 570. 6S
Total unearned premiums 1, 935, 248. 25
Return and re-insurance premiums 32, 602. 73
Total liabilities $ 1,242, 421. 6t>
Net surplus-- 551, 693. 45
Total liabilities, including cash capital and net surplus $ 1, 794, 115. 11
MISCELLANEOUS.
RISKS AND PREMIUMS.
In force at beginning of year.
Written during year
Firk Risks. Premiums.
217,035,991.00 $ 2,327,458.66
179,879,502.00 2,015,063.14
Total $ 396,915,493.00
Deduct those expired and marked off as terminated 175,572,742.00
4,342,521.80
1,941,679.44
In force at end of year.
Deduct amount re-insured.
221,342,751.00 $ 2,400,842.36
27,196,584.00 332,526.19
Net amount in force at end of year $ 194,146,167.00 $ 2,068,316.17
Largest amount in any one hazard $ 30,000.00
1903.] Document No. 10. 193
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year Fraction Amount Premiums Premiums
Written. Term. Unearned. Coverbd. Charged. Unearned.
In 1900 1 year or less— One-half 3 90,522,615.00 3 1,078,335.60 8 539,167.83
In 1S99 2 years One-fourth 936,198.00 7.275.17 1,818.79
Inl900 2years Three-fourths 1,219,893.00 9,741.35 7,306.02
1111898 Syears One-sixth 24,624,963.00 213,767.13 ,627.85
In 1899 3 years One-half 22,549,640.00 194,911.82 97,455.91
In 1900 3 years Five-sixths 24,002,41 214,768.36 178,973.60
In 1897 4 years One-eighth 736,514.00 6,076.97 759.62
In 1898 4 years Three-eighths 343,145.00 2.810.51 1,053.94
In 1899 4 years Five-eighths 652,936.00 !.'■" 2,251.00
In 1900 4 years Seven-eighths 682,271.00 .28 4,818.00
In 1896 5 years One-tenth 5,101,085. 64,977.43 : '7.74
Iu 1897 5 years Three-tenths 6,004,484.00 71,972.51 21,591.74
In 1898 5 years One-half 6,423,560.00 I 1,928.23 30,964.11
In 1899 5 years Seven-tenths -4,981,059.00 2,083.66 43,458.56
In 1900 5 years Nine-tenths 5,365,398.00 70,559.49 63,503.54
Totals $194,146,167.00 3 2,068,316.17 8 1,035.248.25
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year 8 532,053.66
Net premiums received during
year S 1,387,250.06
Decrease in gross uncollected
premiums 8 15,109.53
Increase in re-insurance fund __ 16,029.96 31,199.49
Total oet premiums earned 8 1,356,050.57
Interest, etc., received 8 52,496.72
Increase in accrued interest, etc., 1 ,456.66
Total interest earned 71,953.38
Total premiums and interest
earned 8 1.428,003.95
Net losses paid during year 3 876,051.17
Increase in net unpaid losses 32,703.52
Total net losses incurred 8 18,754.69
Expenses paid 8 519,204.26 .
Decrease in unpaid expenses 9,741.32
Total expenses incurred 509,462.94
Total losses and expenses in-
curred 1,418,217.63
Net gain for year 8 ''■"•
Received from home office dur-
ing year 9,853.47
Increase in surplus for year - 19,63
Surplus at end of year 8 551,693.45
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risk-.
Gross risks written 5
Gross premiums received 11,854
Losses paid 5,623.69
Losses incurred 4,666.22
13
194 Document No. 10. [Session
MANHATTAN FIRE INSURANCE COMPANY
OF NEW YORK.
Located at New York, N. Y. Incorporated 1869. Commenced Business 1882.
Daniel Myers, President. James W. Dunrrow, Secretary.
Cash capital, $500,000.
Amount of net or ledger assets December 31, 1899 $ 747, 611. 08
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 963,368.53 $ .78,051.68
Deduct re-insurance, rebate, abatement and return
premiums 438,903.08 20,117.42
Net cash received for premiums $ 524,405.45 $ 57,934.26
582, 339. 71
Interest and dividends on stocks and bonds 12, 182. 91
Interest and dividends from all other sources 928. 49
Profit on sale or maturity of ledger assets 2,763.47
From all other sources 40,281.45
Total income $ 638,496.03
Aggregate last balance and income $ 1, 386, 107. 11
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 56fi,800.88 $ 12,431.39
Deduct salvage and re-insurance 41,819.08
Net cash paid for losses $ 224,981.20 $ 12,431.39
537, 412. 59
Paid stockholders (interest or dividends) 40,500.00
Commissions or brokerage and allowances to agents-. 133, 760. 31
Salaries and fees of officers and employees 44, 677. 46
Taxes 16,683.93
All other expenditures 57, 412. 13
Total disbursements during the year $ 830,446.42
Balance December 31, 1900 $ 555, 660. 69
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of stocks end bonds ;. $ 503,481.48
Cash in company's office 3,503.49
Cash in bank 53,371.83
Bills receivable 21,213.09
All other 100.00
581,669.89
1903.]
Document No. 10.
195
Deduct borrowed money S 25,000.00
All other 1,003.20
Total net or ledger assets
OTHER ASSETS.
Rents and interest due and accrued
Market value of stocks and bonds over book value-
Uncollected premiums
Total admitted assets
¥
26, 009. 20
-$ 555, 660. 69
2, 067. 71
29, 856. 02
216, 830. 31
804, 414. 73
LIABILITIES.
Losses adjusted and unpaid $ 17,123.64
Losses in process of adjustment 31,684.83
Losses resisted 7,000.00
Net amount of unpaid losses, less re-insurance
Total unearned premiums
Salaries, rents, etc., due and accrued
Return and re-insurance premiums
Total liabilities
Cash capital
Net surplus
Total liabilities, including cash capital and net surplus --
MISCELLANEOUS.
EISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year $ 73,511,414.68 $ 550,571.94
Written during year 81,316,760.32 1,054,600.57
Total $ 154,828,175.00 § 1,605,172.51
Deduct those expired and marked off as terminated 102,834,247.00 1,187,381.31
-$ 50, 668. 81
125, 472. 00
1, 206. 62
89, 053. 75
-$ 266, 401. 18
500, 000. 00
38, 013. 55
-f 804, 414. 73
In force at end of year 3 51,993,928.00 $
Deduct amount reinsured . 35,746,358.00
Net amount in force at end of year $
Largest amount in any one hazard $ 15,000.00
417,791.20
166,847.20
16,347,570.00 $
250,944.00
In force at beginning of year $
Written during year
Marine and
Inland. Premiums.
4,830,584.00 $ 78,051.68
4,830,584.00 78,051.68
Total $ 4,830,584.00 $
78,051.68
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Fraction
Term. Unearned.
In 1900 1 year or less One-half
Year
Writi en.
Amount
Covered.
16,247,570.00 $
Premiums
Charged.
250,944.00 $
Totals „ $ 18,247,570.00 $
250,944.00 $
Premiums
Unearned.
125,472.00
125,472.00
196
Document No. 10.
[Session
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year $ 74,200.61
Net premiums received during
year $ 582,339.71
Decrease in gross uncollected
premiums $ 248. 10
Decrease in re-insurance fund-- 167,357.86 167,109.76
Total net premiums earned $ 749,449.47
Interest, etc., received $ 13,111.40
Increase in accrued interest, etc., 55,717.04
Total interest earned 68,828.44
Total premiums and interest
earned 8 818,277.91
Net losses paid during year $ 537,412.59
Increase in net unpaid losses 8,281.55
Total net losses incurred $ 545,094.14
Expenses paid S 252,533. S3
Increase in unpaid expenses 15,743.00
Total expenses incurred 208,270.83
Total losses and expenses in-
curred 813,970.97
Net gain for year $ 4,306.94
Dividends to stockholders 40,500.00
Total dividends incurred for year, 40,500.00
Decrease in surplus for year S 36,193.06
Surplus at end of year $ 38,013.55
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written $ 42S,849.0O
Gross premiums received 9,628.70
Losses paid 722.88
Losses incurred 1,022.88
1903.] Document No. 10. 197
MOSCOW FIRE INSURANCE COMPANY OF RUSSIA.
Located in U. S. at Hartford, Conn.
Incorporated 1858. Commenced Business in U. S. 1900.
John R. Redfield, II. S. Manager.
Cash capital, $1, 000, 000.
Amount of net or ledger assets December 31, 1899 $ 555, 580. 00
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 629,108.15 S-
Deduct re-insurance, rebate, abatement and return
premiums 7:;, 268. 83 __
Net cash received for premiums S 555,839.32 §_
555, 839. 32
Interest and dividends on stocks and bonds 16, 500. 00
Total income $ 572, 339. 32
Aggregate last balance and income $ 1, 127, 919. 32
DISBURSEMENTS.
MAniNE AND
Fire. Inland.
Gross cash paid for losses $ 135,584.15 $
Net cash paid for losses 8 135,584.15 $_
135, 584. 15
Commissions or brokerage and allowances to agents 189, 969. 57
Salaries and fees of officers and employees 850. 00
Taxes 3,624.47
Remitted to home office 190, 754. 29
All other expenditures 1, 428. 02
Total disbursements during the year $ 522, 210. 50
Balance December 31, 1900 $ 605,708.82
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of stocks and bonds 555,580.00
All other 50,128.82
Total net or ledger assets ' $ 605, 708.82
198
Document No. 10.
[Session
OTHER ASSETS.
Rents and interest due and accrued $
Uncollected premiums
Gross assets
Non-admitted assets —
Depreciation in book value real estate, etc $ 1,055.00
Total deductions
3, 750. 00
48, 923. 63
$ 658, 382. 45
1,055.00
Total admitted assets $ 657, 327. 45
LIABILITIES.
Losses adjusted and unpaid
Losses in process of adjustment.
12,484.35
43,801.95
Net amount unpaid losses
Total unearned premiums
Return and re-insurance premiums
56, 286. 30
335, 917. 76
12, 719. 43
Total liabilities , $ 404,923.49
Net surplus 252,403.96
Total liabilities, including cash capital and net surplas $ 657, 327.45
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
Written during year - $ 79,910,711.00 $ 696,031.78
Total $ 79,910,711.00
Deduct those expired and marked off as terminated 11,306,141.00
09(3,031.78
106,018.39
In force at end of year 8 OS, 604, 570. 00 $
590,013.39
Net amount in force at end of year.
Largest amount in any one hazard
.$ 08,604,570.00 $ ' 590,013.39
_$ 15,000.00
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Fraction
Unearned.
Amount
Covered.
Year
Written. Term.
In 1900 1 year or less One-half $ 51,268,230.00
In 1900 2 years Three-fourths 1,466,607.00
In 1900 3 years Five-sixths 13,384,069.00
In 1900 4 years Seven-eighths 257,239.00
In 1900 5 years Nine-tenths 2,228,425.00
Premiums
Charged.
470,634.94
8,772.91
81,898.93
2,578.20
20,128.41
Premiums
Unearned.
235,317.47
0,579.68
68,249.11
2,255.93
23,515.57
Totals $ 68,604,570.00
590,013.39 $ 335,917.70
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year $
Net premiums received during
year $ 555,839.32
Increase in gross uncollected
premiums $ 54,204.20
Increase in re-insurance fund— 335,917.76 281,713.56
555,580.00
Total net premiums earned
Interest, etc., received $
Increase in accrued interest, etc.,
Total interest earned
16,500.00
2,695.00
274,125.76
19,195.00
1903.] Document No. 10. 199
Total premiums and interest
earned $ 293,320.70
Net losses paid during year $ 135,584.15
Increase in net unpaid losses 56,286.30
Total net losses incurred $ 191,870.45
Expenses paid $ 195,S72.00
Increase in unpaid expenses 18,000.00
Total expenses incurred 213,872.00
Total losses and expenses in-
curred 405,742.51
Net loss for year $ 112,421.75
Remitted to home office during
yaar 190,754.29
Decrease in surplus for year $ 303,176.04
Surplus at end of year $ 252, 403. 90
MUNICH RE-INSURANCE COMPANY OF BAVARIA,
GERMANY.
Located in U. S. at New York, N. Y.
Incorporated 1898. Commenced Business 1898.
Carl Schreiner, U. S. Manager.
Deposit capital, $200, 000.
Amount of net or ledger assets December 31, 1899 $> 848, 699. 51
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 1,827,999.24 $
Deduct re-insurance, rebate, abatement and re-
turn premiums 368,195.82
Net cash received for premiums .$ 1,459, so:;. 42 $--
1, 459, 803. 42
Interest and dividends on stocks and bonds 26. 216. 03
Total income $ 1.486,019.45
Aggregate last balance and income $ 2, 334, 718. 96
200 Document No. 10. [Session
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross casli paid for losses 1 692,519.78 $.
Deduct salvage and re-insurance 7,900.08
Net cash paid for losses $ 6S4,619.70 $.
$ 684, 6». 70
Commissions or brokerage and allowances to agents 506, 697. 22
Salaries and fees of officers and employees 9, 970. 00
Taxes 3,320.07
All other expenditures 10, 464. 22
Total disbursements during the year $ 1, 215, 071. 21
Balance December 31, 1900 : $ 1,119,647.75
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of stocks and bonds 3 874,343.75
Cash in bank 245,304.00
Total net or ledger assets $ 1, 119, 647. 75
OTHER ASSETS.
Rents and interest due and accrued 7, 595. 80
Market value of stocks and bonds over book value 21, 943. 75
Uncollected premiums 112, 300. 45
Total admitted assets $ 1, 261, 487. 75
LIABILITIES.
Losses adjusted and unpaid $ 180,713.00
Net amount of unpaid losses $ 186,713.00
Total unearned premiums (re-insurance) 815, 219. 10
Total liabilities $ 1,001,932.10
Net surplus 259, 555. 65
Total liabilities, including cash capital and net surplus $ 1, 261, 487. 75
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year ? 47,1.27,394.00 $ 513,831.57
Written during year 205,909,155.00 1,830,105.39
Total $ 253,536,549.00 $ 2,343,996.96
Deduct those expired and marked off as terminated 47,641,150.00 852,875.44
In force at end of year S 205,895,399.00 $ 1,491,121.52
Net amount in force at end of year $ 205,895,399.00 $ 1,491,121.52
Largest amount in any one hazard $ 20,000.00
1903.]
Document No. 10.
201
RECAPITULATION* OF FIKE RISKS AND PREMIUMS.
Fraction
Unearned.
Term.
I year or less One-half 8 169,601,716.00 8
815,114.(111
2,728,755.00
351,489.00
4,385,701.iKi
17,715,227.(«i
Year
Written.
In 1900
In 1S99 2 years One-fourth
In 1900 2 years Three-fourths __
In 1898 3 years One-sixth
In 1899 3 years One-half
In 1900 3 years Five sixths
In 1897 4 years One-eighth
In 1898 4 years Three-eighths
In 1899 4 years Five-eighths
In 1900 4 years Seven-eighths
In 1890 5 years One-tenth
In 1897 5 years Three-tenths
In 1898 5 years One-half
In 1899 5 years Seven-tenths __.
In 1900 5 years Nine-tenth?
Totals :
Amount
Covered.
30,209.00
127,186.00
738,(11(4. co
343,664.1
1,909,103.00
7,149,231.00
Premiums
Charged.
1,204,184.17
8,849.53
19,374.37
4,269.31
47,190.01
125,779.37
2S5.36
1,477.56
5,239.88
3,183.01
20,528.90
50,760.05
Premiums
Unearned.
602,092.08
2,212.38
14,530.78
711.55
23,595.00
104,816.14
$ 1,491,121.52 S
107.01
923.48
4,584.90
1,591.50
14,370.23
45,684.05
815,219.10
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year-
Net premiums received during
year
Increase in re-insurance fund $
Total net premiums earned
Interest, etc., received $
Increase in accrued interest, etc.,
Total interest earned.
Total premiums and interest
earned
Net losses paid during year S
Increase in net unpaid losses
Total net losses incurred
Expenses paid 3
Total expenses incurred
Total losses and expenses in-
curred
Net loss for year
Decrease in surplus for year .
Surplus at end of year _..
531,095.75
26,216.03
7,595.80
S 1,802,575.10
531,095.75
S 1,271,479.35
33,811.83
684,619.70
139,258.00
530,451.51
S 1,305,291. IS
823,877.70
530,451.51
1,354,329.21
49,038.03
202,548.78
462,104.43
259,535.65
202 Document No. 10. [Session
NATIONAL FIRE INSURANCE COMPANY
OF CONNECTICUT.
Located at Hartford, Conn. Incorporated 1869. Commenced Business 1871.
James Nichols, President. B. R. Stillman, Secretary.
Cash capital, $1,000,000.
Amount of net or ledger assets December 31, 1899 $ 4, 120, 122. 28
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 3,854,803.16 $
Deduct re-insurance, rebate, abatement and return
premiums 905,304.08
Net cash received for premiums $ 2,049,558.48 $_
2, 949, 558. 48
Eents 3,026.01
Interest received on mortgages — 41,961.04
Interest and dividends on stocks and bonds 146, 361. 78
Interest and dividends from all other sources 2, 761. 10
Profit on sale or maturity of ledger assets 1,844.25
Total income $ 3, 145, 512. 66
Aggregate last balance and income $ 7, 265, 634. 94
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses f 1,790,024.13 $
Deduct salvage and re-insurance 271,139.20
Net cash paid for losses $ 1,524,884.93 $
1,524.884.93
Paid stockholders (interest or dividends) 120, 000. 00
Commissions or brokerage and allowances to agents 467, 903. 20
Salaries and fees of officers and employees 183, 241. 96
Taxes 94,541.63
All other expenditures 355, 248. 17
Total disbursements during the year $ 2, 745, 819. 89
Balance December 31, 1900 $ 4, 519, 815. 05
1903.] Document No. 10. 203
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned $ 307,920.98
Loans on mortgages '. 708,815.00
Book value of stocks and bonds 2,941,967.63
Cash in company's office 545.93
Cash in bank 286,594.15
Agents' debit balances 213,971.36
Total net or ledger assets $ 4,519,815.05
OTHER ASSETS.
Market value of stocks and bonds over book value 234,013. 37
Uncollected premiums 204, 096. 96
Gross assets $ 4,957,925.38
Non-admitted assets —
Depreciation in book value real estate, etc $ 36,136.04
Total deductions 36, 136.04
Total admitted assets $ 4,921,789.34
LIABILITIES.
Losses adjusted and unpaid $ 84,755.86
Losses in process of adjustment 139,996.22
Losses resisted 22,737.79
Net amount of unpaid losses $ 247,489.87
Total unearned premiums 2,045,419.76
Eeturn and re-insurance premiums 70,000.00
All other liabilities 25,000.00
Total liabilities $ 2,387,909.63
Cash capital 1,000,000.00
Net surplus 1,533,879.71
Total liabilities, including cash capital and net surplus $ 4, 921, 789. 34
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year $ 390,593,438.00 $ 3,904,803.62
Written during year 380,526.541.00 3,691,385.98
Total $ 770,819,979.00 $ 7,596,189.60
Deduct those expired and marked off as terminated 300,568,177.00 2,984,245.16
In force at end of year $ 470,251,802.00 $ 4,611,944.44
Deduct amount re-insured 1 68,784,295.00 598,898.22
Net amount in force at end of year $ 401,467,507.00 $ 4,013,046.22
Largest amount in any one hazard $ 50,000.00
204
Document No. 10.
[Session
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year
Written.
In 1900 1
In 1899 2
In 1900 2
In 1898 3
In 1899 3
In 1900 3
In 1897 4
In 1898 4
III 1899 4
In 1900 4
In 1896 5
In 1897 5
In 1898 5
In 1899 5
In 1900 5
Fraction
Term. Unearned.
year or less One-half
years One-fourth
years Three-fourths .
years One-sixth
years One-half
years Five-sixths
years One-eighth
years Three-eight lis.
years Five-eighth s___
years Seven-eighths.
years One-tenth
years Three-tenths —
years One-half
years Seven-tenths __
years Nine-tenths
Amount
Covered.
182,460,141.00
2,074,738.00
1,777,552.00
42,303,411.00
46,848,172.00
52,241,718.00
557,946.00
822,842.00
785,687.00
614,912.00
13,235,030.00
12,045,289.00
14,408,815.00
14,978,026.00
15,607,228.00
Premiums
Charged.
1,833,464.23
19,668.10
12,558.87
383,517.99
405,364.21
462,200.29
5,309.81
7,360.98
5,947.02
5,455.62
159,074.17
144,S74.30
158,625.66
103,384.28
186,240.69
Totals $ 401,467,507.00 $ 4,013,046.22
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year $
Net premiums received during
year
Decrease in gross uncollected
premiums $ 175,174.36
Increase in re-insurance fund 261,251.74
Total net premiums earned
Interest, etc., received 8
Increase in accrued interest, etc.,
Total interest earned
194,109.93
101,209.75
$ 2,949,558.48
430,421;. 10
8 2,513,132.38
295,319.08
Total premiums and interest
earned
Net losses paid during year $ 1,524,884.93
Increase in net unpaid losses 36,632.13
Total net losses incurred
Expenses paid $ 1,089,300.59
Decrease in unpaid expenses 23,290.33
$ 2,808,452.06
Total expenses incurred.
$ 1,561,517.06
1,066,010.26
Total losses and expenses in-
curred
Net gain for year
Dividends to stockholders
Total dividends incurred for
year
Decrease in surplus for year
Surplus at end of year
2,627,527.32
180,924.74
120,000.00
120,000.00
60,924.74
Premiums
Unearned.
946,732.12
4,917.02
9,419.15
63,919.66
202,082.10
385,106.91
063.73
2,760.36
3,716.89
4,773.67
15,907.42
43,462.29
79,312.83
114,308.99
167,010.02
2,045,419.76
1,472,954.9
1,533,879.71
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Gross risks written
Re-insurance premiums
Losses paid
Losses incurred
Fire Risks.
; 2,504,058.00
22,686.01
S, 558. 52
8,030.04
1903.] Document No. 10. 205
NEW HAMPSHIRE FIRE INSURANCE COMPANY
OF MANCHESTER.
Located at Manchester, X. H. Incorporated 1869. Commenced Business 1870.
Uberto C. Crosby, President. Frank W. Sargeant, Secretary.
Cash capital, §1,000,000.
Amount of net or ledger assets December 31, 1899 § 2, 714, 222. 57
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums 8 1,769,017.81 §-
Deduct re-insurance, rebate, abatement and return
premiums 464,892.03 —
Net cash received for premiums S 1,304,125.78 $_
1,304,125.78
Eents 16,870.75
Interest received on mortgages 33, 727. 35
Interest received on collateral loans 3,002. 78
Interest and dividends on stocks and bonds 98, 065. 28
Interest and dividends from all other sources 1, 165. 67
Profit on sale or maturity of ledger assets 10, 550. 12
From all other sources 2, 473. 14
Total income $ 1,469,980.87
Aggregate last balance and income $ 4, 184, 203. 44
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 1,019,888.67 S
Deduct salvage and re-insurance 190,994.61
Net cash paid for losses S 828,894.06 $.
828, 894. 06
Paid stockholders (interest or dividends) 100, 000. 00
Commissions or brokerage and allowances to agents 305, 609.^33
Salaries and fees of officers and employees 65, 143. 78
Taxes 70,698.65
All other expenditures 110, 948. 35
Total disbursements during the year $ 1,471,294.47
Balance December 31, 1900 $ 2,712,908.97
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned $ 150,417. S3
Loans on mortgages 585,374.00
Loans on collaterals 52,755.00
Book value of stocks and bonds 1,669,382.75
Cash in company's office 601.75
Cash in bank 248,377.04
Total net or ledger assets $ 2, 712, 908. 97
206
Document No. 10.
[Session
OTHER ASSETS.
Rents and interest due and accrued $ 7, 888. 45
Market value of stocks and bonds over book value 502, 547. 25
Uncollected premiums 143, 681. 60
Total admitted assets $ 3,367,026.27
LIABILITIES.
Losses adjusted and unpaid $ 60,408.04
Losses in process of adjustment 97,858.00
Losses resisted 16,520.00
Net amountof unpaid losses $ 180, 786. 04
Total unearned premiums 1, 177, 182. 78
All other liabilities 5,802.42
Total liabilities $ 1,363,771.24
Cash capital 1, 000, 000. 00
Net surplus 1,003,255.03
Total liabilities, including cash capital and net surplus $ 3, 367, 026. 27
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year $ 178,240,554.00 $ 2,251,530.44
Written during year 151,157,717.00 1,741,058.38
Total S 329,404,271.00 $ 3,993,188.82
Deduct those expired and marked off as terminated 118,180,700.00 1,534,780.50
In force at end of year $ 211,217,571.00 $ 2,458,408.32
Deduct amount re-insured 13,519,753.00 151,521.71
Net amount in force at end of year $ 197,697,818.00 $ 2,306,886.61
RECAPITULATION OP FIRE RISKS AND PREMIUMS.
Year
Written.
In 1900 1
Iu 1899 2
In 1900 2
In 1898 3
In 1899 3
In 1900 3
In 1897 4
In 1898 4
In 1899 4
In 1900 4
In 1896 t__ 5
In 1897 5
In 1898 5
In 1899 5
In 1900 5
Fraction
Unearned.
Amount
Covered.
Term.
year or less One-half % 69,043,395.00
years One-fourth 1,472,045.00
years Three-fourths 1,103,220.00
years One-sixth 17,428,407.00
years One-half 25,611,390.00
years Five-sixths 24,886,983.00
years One-eighth
years Three-eighths
years Five-eighths .
years Seven-eighths.
years One-tenth
years Three-tent hs._
years One-half
years Seven- tenths
years Nine-tenths
1,002,853.00
1,256,021.00
1,272,533.00
1,025,310.00
9,391,463.00
9,684,205.00
11,266,110.00
11,790,847.00
11,463,000.00
Premiums
Charged.
896,240.12
11,652.61
10,777.30
236,600.80
254,045.70
250,140.19
9,497.36
11,647.41
12,544.41
10,072.84
101,091.40
99,439.11
131,052.86
137,198.90
131,879.60
Premiums
Unearned.
448,123.06
3,603.15
8,n82.98
39,433.47
127,022.85
208,450.16
1,187.17
4,367.78
7,840.25
8,813.74
10,109.14
29,831.73
65,526.43
96,039.23
118,691.64
Totals S 197,697,818.00 $ 2,306,886.61 $ 1,177,182.78
1903.] Document No. 10. 207
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year $ 972,327.26
Net premiums received during
year - $ 1,304,125.78
Decrease in gross uncollected
premiums 8 27,359.43
Increase in re-insurance fund__ 47,404.14 74,703.57
Total net premiums earned $ 1,229,362.21
Interest, etc., received $ 139,500.91
Increase in accrued interest, etc., :i4, 718.00
Total interest earned 234,218,^1
Total premiums and interest
earned $ 1,463,581.12
Net losses paid during year $ 828,894.06
Increase in net unpaid losses 23,117.15
Total net losses incurred $ 852,011.21
Expenses paid $ 525,480.03
Decrease in unpaid expenses 44,837.89
Total expenses incurred , 480,642.14
Total losses and expenses in-
curred 1,332,653.35
Net gain for year $ 130,927.77
Dividends to stockholders 100,000.00
Total dividends incurred for
year 100,000.00
Increase in surplus for year $ 30,927.77
Surplus at end of year $ 1,003,255.03
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written $ 218,501.00
Gross premiums received 3,755.54
Number of agents working in State during year, 22.
208 Document No. 10. [Session
NIAGARA FIRE INSURANCE COMPANY
OF NEW YORK.
Located at New York, N. Y. Incorporated 1850. Commenced Business 1850.
Harold Herrick, President. Geo. W. Dewey, Secretary.
Cash capital, $500, 000.
Amount of net or ledger assets December 31, 1899 1 — $ 2, 290, 572. 20
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 2,287,845.25 8_
Deduct re-insurance, rebate, abatement and re-
turn premiums 638,023.60 __
Net cash received for premiums 8 1,653,821.05 $-
1, 653, 821. 65
Interest received on mortgages 21, 048. 88
Interest and dividends on stocks and bonds 80, 562. 36
Interest and dividends from all other sources 3, 864. 00
Total income $ 1,759,296.89
Aggregate last balance and income $ 4,049,869.09
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses 8 1,326,920.15 8
Deduct salvage and re-insurance 301,836.00
Net cash paid for losses 8 1,025,084.15 8-
1, 025, 084. 15
Paid stockholders (interest or dividends) 50,000.00
Commissions or brokerage and allowances to agents 314, 451. 55
Salaries and fees of officers and employees 156, 581. 60
Taxes 47,668.11
Loss on sales or maturity — ledger assets 64, S38. 57
All other expenditures 182, 467, 36
Total disbursements during the year $ 1, 840, 991. 34
Balance December 31, 1900 $ 2,208,877.75
ASSETS.
AS PER LEDGER ACCOUNTS.
Loans on mortgages $ 311,375.00
Book value of stocks and bonds 1,830,006.00
Cash in company's office 654.28
Cash in bank 66,848.47
Total net or ledger assets $ 2,208,877.75
1903.]
Document No. 10.
209
OTHER ASSETS.
Rents and interest due and accrued
Market value of stocks and bonds over book value
Uncollected premiums
$ 10,172.88
440,450.00
227,390.09
Gross assets $ 2,886,890.72
Non-admitted assets —
Depreciation in book value real estate, etc $ 30,250.00
Total deductions 30,250.00
Total admitted assets $ 2,856,640. 72
LIABILITIES.
Losses adjusted and unpaid $ 89,614.96
Losses in process of adjustment 120,305.69
Losses resisted 13,637.50
Net amount of unpaid losses, less re-insurance $ 172, 828. 69
Total unearned premiums 1,354,147.26
Return and re-insurance premiums 17,829. 56
Total liabilities $ 1,544,805.51
Cash capital 500,000.00
Net surplus 811, 835, 21
Total liabilities, including cash capital and net surplus $> 2, 856, 640. 71
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fieb Risks. Premiums.
In force at beginningof year $ 310,610,626.00 $ 2,817,152.87
Written during year 226,161,265.00 2,318,51
S 5,135,671.77
2,073,2li
S 3,062,451
430,658. 14
Total $ 530,771 ,891.00
Deduct those expired and marked off as terminated 209,311,670.00
In force at end of year $ _:. j . 221.00
Deduct amount re-insured As,-:
Net amount in force at end of year 8 279,237,285.00 8 2,631,798.24
Year
Written".
In 1900
1
In 1899 —
9
In 1900__
2
In 1898
3
•J
In 1397 ..
4
In 1898 .
4
In 1899 „
4
In 1900
4
In 1896
5
In 1897 „
5
In 1898
5
In 1899
5
In 1900
5
Fraction
Term. Unearned.
year or less One-half S
years One-fourth
years Three-fourths
years One-sixth
years One-half
years Five-sixths
years One-eighth
years Three-eighths
years Five-eighths
years Seven-eighths
years One-tenth
years Three-tenths
years One-half
years Seven-tenths
years Nine-tenths
I RISKS AND
PREMIUMS.
Amount
Premiums
Premiums
Covered.
Chat
Unearned.
96,063,534.00
$ 1,154,096.68 $
577,048.34
1,228,995.00
In.;, 1 ■■
2.';:>7.22
1,295,857.00
11,625.99
8,719. 1
44,476,015.00
311,697.39
51,949.51
49,295,985.00
342,047.70
171,023.85
48,952,571.00
370,7111.-:,
313,917.71
432,326.00
3,627.06
453.38
558,360.00
5.57"
2,1'-
556,128.00
5,814.ii7
3,631 . -
766,5
7,006.07
o. ; ii
5,823,023.00
4.92
6,496.49
6,669,645.00
23, 16
7,038,593.00
78,520.61
39,2i
7,370,777.nn
1.20
1 11.24
S, 702,94i;. on
- 1,288.14
Totals $ 279,237,285.00
14
2,031." - 1,354,147.26
210 Document No. 10. [Session
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year $ 754,407.73
Net premiums received during
year $ 1,653,821.65
Increase in gross uncollected
premiums $ 26,258.13
Increase in re-insurance fund__ 86,331.25 60,073.12
Total net premiums earned $ 1,593,748.53
Interest, etc., received $ 105,475.24
Increase in accrued interest, etc., 108,595.91
Total interest earned 214,071.15
Total premiums and interest
earned 8 1,807, 819. OS
Net losses paid during year $ 1,025,084.15
Increase in net unpaid losses 10,318.03
Total net losses incurred $ 1,035,402.18
Expenses paid $ 664,990.02
Total expenses incurred 664,990.02
Total losses and expenses in-
curred 1,700,392.20
Net gain for year $ 107,427.48
Dividends to stockholders 50,000.00
Total dividends incurred for
year 50,000.00
Increase in surplus for year $ 67,427.4S
Surplus at end of year $ 811,835.21
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written 8 886,767.00
Gross premiums received 15,184.53
Re-insurance premiums 1,617.21
Losses paid 6,114.12
Losses incurred 6,556.61
Number of agents working in State during year, 45.
1903.] Document No. 10. 211
NORTH BRITISH AND MERCANTILE INSURANCE
COMPANY OF GREAT BRITAIN.
Located in U. S. at New York, N. Y.
Incorporated 1809. , Commenced Business in U. S. 1866.
E. G. Richards, Manager U. S. Branch.
J. F. Hastings, Assistant Manager U. S. Branch.
Amount of net or ledger assets December 31, 1899 % 3, 507, 207. 80
INCOME.
Marixe and
Fire. Inland.
Gross cash received for premiums 8 3,420,356.93 %
Deduct re-insurance, rebate, abatement and return
premiums 743,369.10
Net cash received for premiums $ 2,07(1,987.83 $-
2, 676, 987. 83
Deposit premiums received for perpetual risks 712. 00
Interest and dividends on stocks and bonds 125, 525. 37
Profit on sale or maturity of ledger assets 71, 798. 63
From all other sources 54, 157. 90
Total income % 2,929,181.73
Aggregate last balance and income $ 6,436, 389. 53
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 1,845,316.14 %
Deduct salvage and re-insurance 83,444.10
Net cash paid for losses $ 1,761*872.04
1,761,872.04
Deposit premiums returned 218. 50
Commissions or brokerage and allowances to agents 490, 880. 15
Salaries and fees of officers and employees 163, 656. 01
Taxes 92,598.92
Remitted to home office 2,122.58
All other expenditures _- 188, 262. 71
Total disbursements during the year $ 2,699,610.91
Balance December 31, 1900 $ 3, 736, 77S. 62
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of stocks and bonds g 3,505,43.5.28
Cash in company's office 28,460.05
Cash in bank 139,368.43
Bills receivable 1 000.60
All other 11,121.41
$ 3,745,451.77
212
Document No. 10.
[Session
Deduct agents' credit balances.
8,673.15
$
8, 673. 15
Total net or ledger assets $ 3, 736,778.62
OTHER ASSETS.
Rents and interest due and accrued 41, 663. 00
Market value of stocks and bonds over book value 121, 303. 72
Uncollected premiums 343, 736. 65
Total admitted assets $ 4,243,481.99
LIABILITIES.
Losses adjusted and unpaid $ 107,172.47
Losses in process of adjustment 188,050.56
Losses resisted 58,139.10
Net amount of unpaid losses, less re-insurance $ 317, 402. 45
Total unearned premiums 2, 010, 650. 06
Amount reclaimable on perpetual fire risks 5, 313. 51
Total liabilities $ 2,333,366.02
Net surplus 1, 910, 115. 97
Total liabilities, including cash capital and net surplus $ 4, 243, 481. 99
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year $ 411,348,317.00 $ 3,974,022.38
Written during year 375,618,688.00 3,470,170.35
Total $ 786,967,005.00 $ 7,451,092.73
Deduct those expired and marked off as terminated 326,501,658.00 3,153,841.20
In force at end of year .ft 460,405,347.110 $ 4,297,251.53
Deduct amount re-insured 41, 760, 429. no 324,"l90.88
Net amount in force at end of year $' 418,704,918.00 $ 3,973,060.65
Largest amount in any one hazard $ 121, 000. 00
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year
Written
Fraction
Unearned.
Amount
Covered.
Term.
In 1900 1 year or less —One-half $ 169,899,231.00
In 1899 2 years One-fourth 1,404,583.00
In 1900 2 years Three-fourths 2,229,325.00
In 1898 3 years One-sixth 59,788,812.00
In 1899 3 years One-half 55,829,448.00
In 1900 3 years Five-sixths 62,192,720.00
In 1897 4 years One-eighth 935,632.00
In 1898 4 years Three-eighths 896,192.00
In 1899 4 years Five-eighths 1,007,166.00
In 1900 4 years Seven-eighths 767,752.00
In 1896 5 years One-tenth 9,927,427.00
In 1897 5 years Three tenths 12,489,172.00
In 1898 5 years One-half 15,379,728.00
In 1899 5 years Seven-tenths 12,663,071.00
In 1900 5 years Nine-tenths 13,234,659.00
Perpetual 95 per cent 223,470.00
Premiums
Charged.
1,753,845.67
10,010.05
16,235.77
497,632.00
470,733.26
514,316.29
7,992.87
6,541.18
8,602.86
7,218.54
113,022.67
136,011.01
138,607.39
137,351.04
154,939.45
5,903.90
Premiums
Unearned.
876,922.83
2,502.66
12,176.83
82,936.66
235,366.63
428,596.91
999.11
2,452.95
5,376.80
6,316.22
11,302.26
40,803.30
69,303.69
96,145.70
139,445.51
5,313.51
Totals $ 418,928,388.00 $ 3,978,964.55 $ 2,015,903.57
1903.] Document No. 10. 213
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year $ 1,791,838.97
Net premiums received during
year 8 2,677,481.33
Increase in gross uncollected
premiums 3 61,557.53
Increase in re-insurance fund _- 77,641.65 16,084.12
Total net premiums earned 8 2,661,397.21
Interest, etc., received S 125,525.37
Increase in accrued interest, etc., .9,664.03
Total interest earned 134,189.40
Total premiums and interest
earned 8 2,795,586.61
Net losses paid during year S 1,761,872.04
Increase in net unpaid losses 23,757.92
Total net losses incurred S 1,785,629.96
Expenses paid $ 927,084.60
Increase in unpaid expenses 16,630.37
Total expenses incurred 945,714.97
Total losses and expenses in-
curred 2,729,344.93
Net gain for year 8 66,241.68
Remitted to home office during
year 52*035.32
Increase in surplus for year $ 118,277.00
Surplus at end of year 8 1,910,115.97
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fike Risks.
Gross risks written 8 1,287,150.00
Gross premiums received 15,532.09
Losses paid 11,496. 55
Losses incurred 11,012.23
214 Document No. 10. [Session
NORTH CAROLINA HOME INSURANCE COMPANY
OF RALEIGH, N. C.
Located at Raleigh, N. C. Incorporated 1868. Commenced Business 1869-.
Pulaski Cowpee, President. Chaeles Root, Secretary.
Cash capital, $52,390.
Amount of net or ledger assets December 31, 1899 {not given in statement).
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 71,025.59
Deduct re-insurance, rebate, abatement and re-
turn premiums 26,497.38
Net cash received for premiums $ 44,528.21 $_
$ 44, 528. 21
Rents 82.30
Interest received on mortgages 69. 16
Interest received on.collateral loans 51. 84
Interest and dividends on stocks and bonds 3, 010. 95
From all other sources 8, 218. 89
Total income $ 55,961.35
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 22,769.37 $
Deduct salvage and re-insurance 8,415.75
Net cash paid for losses $ 14,353.62 $_
14, 353. 62
Paid stockholders (interest or dividends) 72.00
Commissions or brokerage and allowances to agents 10, 189. 40
Salaries and fees of officers and employees 5,539.96
Taxes 1,500.90
All other expenditures , 7, 179. 61
Total disbursements during the year f> 38, 835. 49
Balance December 31, 1900 $ 55,961.35
ASSETS.
AS PEE LEDGEE ACCOUNTS.
Book value of real estate owned $ 2,500.00
Loans on mortgages 3,014.76
Loans on collaterals 569.25
Book value of stocks and bonds 69,750.00
Cash in bank 14,815.40
' All other 2,499.25
Total net or ledger assets $ 93, 148. 66
1903.] Document No. 10. 215
OTHER ASSETS.
Rents and interestdue and accrued $ 657. 18
Market value of stocks and bonds over book value 15, 190. 42
Uncollected premiums 12, 216. 83
Gross assets $ 121,213.09
Non-admitted assets —
Furniture and supplies $ 800.00
Total deductions 800.00
Total admitted assets $ 120,413.09
LIABILITIES.
Losses adjusted and unpaid $ 3,629.19
Losses in process of adjustment 1,400.00
Net amount of unpaid losses, less re-insurance $ 3, 272. 80
Total unearned premiums 7 36,097.26
Unpaid interest due stockholders 1 68.40
Salaries, rents, etc., due and accrued 408.11
Return and re-insurance premiums 2, 555. 10
Total liabilities $ 42,401.67
Cash capital 56,086.00
Net surplus 21,925.42
Total liabilities, including cash capital and net surplus $ 120,413.09
MISCELLANEOUS.
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year Fraction
Written. Term. Unearned.
In 1900 1 year or less One-half
In 1899 2 years One-fourth
In 1900 2 years Three-fourths
In 1898 3 years One-sixth
In 1899 3 years One-half
In 1900 3 years Five-sixths
In 1897 4 years One-eighth
In 1898 4 years Three-eighths
In 1899 4 years Five-eighths
In 1900 4 years Seven-eighths
In 1890 5 years One tenth
In 1897 5 years Three-tenths
In 1898 5 years One-half
In 1899 5 years Seven-tenths
In 1900 6 years Nine-tenths
Amount
Premiums
Premiums
Covered.
Charged.
Unearned.
2,483,773.38 8
45,754.77
$ 22,877.38
14,750.00
286.11
71.53
6,475.00
233.79
175.34
421,948.50
8,394.68
1,39:1. Hi
713,321.25
13,712.17
6,856.09
931,139.06
16,357.10
13,630.91
3,900.00
95.34
11.91
1,150.00
49.50
18.57
250.00
7.50
4.69
3,400.00
69.55
60.85
60,900.00
1,809.20
180.94
64,265.75
1,677.72
503.31
68,940.00
1,861.47
930.83
9,636.00
3,995.79
2,797.03
298,544.00
5,141.53
4,627.35
Totals $ 5,082,392.94 $ 99,446.22 $ 54,145. Nil
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written $ 3,828,483.60
Gross premiums received 71,025.59
Losses paid 22,769.37
Losses incurred 25,712.09
216 .Document No. 10. [Session
NORTHERN ASSURANCE COMPANY OF GREAT BRITAIN.
Located in U. S. at New York, N. Y.
Incorporated 1836. Commenced Business in 1836.
H. E. Wilson, Manager.
Cash capital, $1, 500,000.
Amount of net or ledger assets December 31, 1S99 $ 2,345,332.86
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 1,695,120.04 $
Deduct re-insurance, rebate, abatement and return
premiums 506,041.30
Net cash received for premiums $ 1,189,078.74
1,180,078.74
Rents 7,000.00
Interest and dividends on stocks and bonds 79, 450. 00
Interest and dividends from all other sources 473. 01
Received from head office during year 27, 956. 71
Total income $ 1,303,958.46
Aggregate last balance and income $ 3, 649, 291. 32
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses 8 903,651.66 $
Deduct salvage and re-insurance 228,017.98
Net cash paid for losses $ 675,633.68 8-
675, 633. 68
Commissions or brokerage and allowances to agents 190, 242. 18
Salaries and fees of officers and employees 87, 510. 60
Taxes 53,705.88
All other expenditures 267, 942. 50
Total disbursements during the year $ 1, 275, 034. 84
Balance December 31, 1900 $ 2,374,256.48
1903.] Document No. 10. 217
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned 3 115,000.00
Book value of stocks and bonds 2,162,868.75
Cash in company's office r 1,872.61
Cash in bank 105,551.96
Agents' debit balances 1,397.68
Bills receivable 3,425.22
$ 2,390,116.22
Deduct agents' credit balances 8 74.98
All other 15,784.76
15, 858. 74
Total net or ledger assets 2,374,256.48
OTHER ASSETS.
Rents and interest due and accrued 7, 216. 33
Market value of stocks and bonds over book value 112, 761. 25
Uncollected premiums 218j 643. 78
Total admitted assets $ 2,712,877.84
LIABILITIES.
Losses adjusted and unpaid 8 46,178.08
Losses in process of adjustment 86,509.56
Losses resisted 24,058.50
Net amount of unpaid losses, less re-insurance $ 150, 635. 47
Total unearned premiums 1, 021, 688. 09
Commissions due agents and brokers 24. 80
Salaries, rents, etc., due and accrued 500.00
Return and re-insurance premiums 11, 737.82
All other liabilities 337. 75
Total liabilities $ 1,184,923.93
Net surplus 1,527,953.91
Total liabilities, including cash capital and net surplus $ 2, 712, 877. 84
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year $ 197,773,313.00 $ 1,960,988.13
Written during year 172,148,246.00 1,711,992.40
Total $ 369,921,559.00 S 3,672,980.53
Deduct those expired and marked off as terminated 157,227,510.00 1,556,042.58
In force at end of year $ 212,694,049.00 $ 2,116,937.95
Deduct amount re-insured 12,054,059.00 108,779.02
Net amount in force at end of year § 200,639,990.00 8 2,008,158.93
Largest amount in any one hazard 8 100,000.00
218
Document No. 10.
[Session
RECAPITULATION OP FIRE RISKS AND PREMIUMS.
Year
Written.
In 1900 1
In 1899 2
In 1900__ 2
In 1898 3
In 1899 3
In 1900 3
In 1897 4
In 1898 4
In 1899 4
In 1900 4
In 1896 5
In 1897 5
In 1898 5
In 1899 5
In 1900 5
Fraction
Term. Unearned.
year or less One-half
years One-fourth
years Three-fourths
years One-sixth
years One- half
years Five-sixths
years One-eighth
years Three-eigths
years Five-eighths
years Seven-eighths __.
years One-tenth
years Three-tenths
years One- half
years Seven-tenths
years Nine-tenths
Amount
Covered.
94,005,436.00
386,955.00
543,118.00
24,514,833.00
24,873,946.(10
25,524,055.00
219,083.00
275,69"'. 00
223,940.00
101,778.00
4,754,049.00
5,089,063.00
7,781,285.00
6,014,053.00
6,332,106.00
Premiums
Charged.
1,022,899.54
2,069.61
3,156.65
199,519.69
205,656.39
228,217.89
2,300.70
2,854.85
881.36
630.34
57,997.96
63,715.38
74,095.94
65,394.37
78,768.26
Premiums
Unearned.
511,449.77
517.40
2,367.48
33,253.28
102,828.19
190,181.57
287.58
1,070.57
550.85
551.55
5,799.79
19,114.61-
37,047.97
45,776.05
70,891.43
Totals •_ 1200,639,990.00 $ 2,008,158.93 $ 1,021,688.09
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year $ 1,526,625.42
Net premiums received during
year $ 1,189,078.74
Increase in gross uncollected •
premiums
Increase in re-insurance fund
Total net premiums earned
Interest, etc., received
Increase in accrued interest, etc..
Total interest earned
Total premiums and interest
earned
Net losses paid during year $
Increase in net unpaid losses
Total net losses incurred
Expenses paid $
Increase in unpaid expenses
Total expenses incurred
Total losses and expenses in-
curred
Net gain for year
Remitted to home office during
year
Increase in surplus for year
24,521.00
72,733.26
84,869.72
43,958.27
075,633.68
17,346.73
466,013.58
5,994.41
48,212.26
$ 1,140,866.48
128,827.99
$ 1,269,694.47
692,980.41
472,007.99
$
1,104,988.40
104,706.07
103,377.58
1,328.49
Surplus at end of year - $ 1,527,953.91
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Gross risks written
Gross premiums received .
Losses paid
Losses incurred
Fire Risks.
1,256,577.00
10,234.23
4,893.79
4,324.92
1903.] Document Xo. 10. 219
NORWICH UNION FIRE INSURANCE COMPANY
OF GREAT BRITAIN.
Located in U. S. at New York, N. Y.
Incorporated 1797. Commenced Business in U. S. in 1877.
J. Montgomery Hare, Resident Manager.
Cash capital, $660,000.
Amount of net or ledger assets December 31, 1899 $ 2, 055, 938. 50
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 2,161,230.63 8
Deduct re-insurance, rebate, abatementand return
premiums 517.733.66
Net cash received for premiums $ 1,643,496.97
1, 643, 496. 97
Interest received on mortgages 1, 800. 00
Interest and dividends on stocks and bonds 70, 061. 22
Profit on sale or maturity of ledger assets 43,634.59
Total income $ 1,758,992.78
Aggregate last balance and income $ 3, 814, 931. 28
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 1,196,016.47 $
Deduct salvage and re-insurance 141,735.37
Net cash paid for losses $ 1,054,281.10
1,054,281.10
Commissions or brokerage and allowances to agents 319, 644. 69
Salaries and fees of officers and employees 148, 889. 47
Taxes .. . 51, 510. 01
All other expenditures 212,961.01
Total disbursements during the year $ 1, 787, 286. 28
Balance December 31, 1900 $ 2,027,645.00
ASSETS.
AS PER LEDGER ACCOUNTS.
Loans on mortgages —J $ 40,000.00
Book value of stocks and bonds 1,812,238.30
Cash in company's office L,S91.88
Cash in bank 173,514.82
Total net or ledger assets $ 2, 027, 645. 00
220
Document No. 10.
[Session
OTHER ASSETS.
Rents and interest due and accrued $
Market value of stocks and bonds over book value
Uncollected premiums
Due from other companies
Total admitted assets — $
LIABILITIES.
Losses adjusted and unpaid
Losses in process of adjustment-
Losses resisted
67,186.17
69,899.60
21,475.00
Net amount of unpaid losses, less re-insurance $
Total unearned premiums
Salaries, rents, etc., dne and accrued
Return and re-insurance premiums
Total liabilities $
Net surplus
Total liabilities, including cash capital and net surplus $
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks.
In force at beginning of year $ 260,874,490.00
Written during year 213,128,154.00
Total $ 474,002,653.00
Deduct those expired and marked off as terminated 199,982,220.00
In force at end of year $ 274,02(1,433.00
Deduct amount re-insured 25,070,585.00
20, 651. 16
114,665.45
187, 502. 83
1, 755. 34
2, 352, 219. 78
144, 272. 36
1,247,221.04
16, 632. 52
11,075.90
1,419,201.82
933, 017. 96
2, 352, 219. 78
Premiums.
2,523,041.79
2,173,900.51
4,096,942.30
1,995,482.76
2, 701, 459. 54
241,508.54
Net amount in force at end of year $ 248,943,848.00 $ 2,459,951.00
Largest amount in any one hazard $ 25,000.00
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Yeah.
Written.
In 1900
1
In 1899-
?,
2
In 1898-
3
In 1899
Q
In 1900
3
In 1897
4
In 1898_
4
In 1899
4
In 1900
4
In 1896
5
In 1897 —
5
In 1898
5
In 1899
5
In 1900. _
5
Fraction Amount
Term. Unearned. Covered.
year or less—One-half $ 112,024,373.00
years One-fourth 1,543,124.00
years Three-fourths 1,364,660.00
years One-sixth 33,518,446.00
years One-half 32,101,476.00
years Five-sixths 33,497,360.00
years One-eighth « 534,460.00
years Three-eighths 719,870.00
years Five-eighths 966,615.00
years Seven eighths 662,428.00
years One-tenth 5,248.182.00
years Three-tenths 5,855,025.00
years One-half 7,598,525.00
years Seven-tenths 6,299,629.00
years Nine-tenths 7,009,675.00
Premiums
Charged.
1,252,434.03
8,271.34
9,507.88
272,354.05
262,248.26
289,340.86
3,777.02
5,269.81
5,981.35
5,468.55
56,799.06
62,571.93
77,21:;. 80
68,498.36
80, 213. SO
Totals $ 248,943,848.00 $ 2,459,951.00
Premiums
Unearned.
626,217.02
2,067.84
7,130.91
45,392.35
131,124.13
241,117.39
472/13
1,976.18
3,738.35
4,784.98
5,679.99
18,771.58
38,606.91
47,948.85
72,192.43
1,247,221.04
1903.] DocumentjNo. 10. 221
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year 3 1,000,803.16
Net premiums received during
year 8 1,643,496.97
Increase in gross uncollected
premiums 8 11,738.26
Increase in re-insurance fund 58,731.62 46,993.36
Total net premiums earned $ 1,590,503.61
Interest, etc., received $ 71,861.22
Increase in accrued interest, etc., 45, 188. SO
Total interest earned 117,050.02
Total premiums and interest
earned 3 1,713,553.63
Net losses paid during year § 1,054,281.10
Decrease in net unpaid losses 12,907.48
Total net losses incurred 8 1,041,373.62
Expenses paid 8 628,290.19
Increase in unpaid expenses 6,960.03
Total expenses incurred 635,250.22
Total losses and expenses in-
curred 1,676,623.84
Net gain for year 8 36,929.79
Remitted to home office during
year 104,714.99
Decrease in surplus for year 8 67,785.20
Surplus at end of year 8 933,017.96
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written 8 2,263,533.00
Gross premiums received 15,113.72
Losses paid 5,653.21
Losses incurred 5,616.52
Number of agents working in State during year, 66.
t
222 Document No. 10. [Session
ORIENT INSURANCE COMPANY OF CONNECTICUT.
Located at Hartford, Conn. Incorporated 1867. Commenced Business 1872.
Archibald G. McIlwaine, Jr., President. James Wyper, Secretary.
Cash capital, $500,000.
Amount of net or ledger assets December 31, 1899 $ 2, 236, 471. 20
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 1,782,006.71 I 9,598.76
Deduct re-insurance, rebate, abatement and return
premiums - 647, 473.92 9,419.56
Net cash received for premiums $ 1,134,532.79 $ 179.20
1, 134. 711. 99
Rents 2, 343. 67
Interest received on mortgages 11,886.35
Interest received on collateral loans 28. 34
Interest and dividends on stocks and bonds 42, 882. 45
Interest and dividends from all other sources 18, 707. 35
Profit on sale or maturity of ledger assets 67,457. 23
From all other sources 3, 351. 53
Total income $ 1,281,368.91
Aggregate last balance and income $ 3, 517, 840. 11
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 1,038,438.05 $ 21,102.17
Deduct salvage and re-insurance 120,281.94 513.62
Net cash paid for losses $ 918,156.11 $ 20,588.55
938, 744. 66
Paid stockholders (interest or dividends) *-- 25, 000. 00
Commissions or brokerage and allowances to agents 246, 574. 94
Salaries and fees of officers and employees 87, 051. 78
Taxes - 42,897.00
All other expenditures 116, 265. 68
Total disbursements during the year $ 1, 456, 534. 06
Balance December 31, 1900 $ 2,061,306.05
ASSETS
AS PER LEDGER ACCOUNTS.
Book value of real estate owned $ 118,373.19
Loans on mortgages 173,675.00
Book value of stock and bonds 1,718,198.00
Cash in company's office 5,551.72
Cash in bank— 49,961.63
All other 5,000.00
$ 2,070,759.54
1903.] Document No. 10. 223
Deduct borrowed money $ 0, 453.40
$ 9, 453. 49
Total net or ledger assets $ 2,061,306.05
OTHER ASSETS.
Rents and interest due and accrued 31, 344. 73
Market value of stocks and bonds over book value 89, 327. 92
Uncollected premiums 169,655.89
Due from other companies 3, 367. 75
Gross assets $ 2,355,002.34
Non-admitted assets —
Depreciation in book value of real estate, etc $ 19,312.86
Total deductions 19,312.86
Total admitted assets $ 2,335,689.48
LIABILITIES.
Losses adjusted and unpaid $ 13,011.77
Losses in process of adjustment 208,431.76
Losses resisted 18,852.11
Net amount of unpaid losses, less re-insurance--- $ 222, 198. 24
Total unearned premiums 928, 604. 80
Salaries, rents, etc., due and accrued 2,500.00
Return and re-insurance premiums 18, 345. 08
Total liabilities $ 1,171,648.12
Cash capital 500,000.00
Net surplus 664,041.36
Total liabilities, including cash capital and net surplus § 2, 335, 689. 48
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year S 174,075,899.00 $ 2,018,743.75
Written during year 188,790,718.00 1,882,904.19
Total $ 362,866,617.00 5 3,901,707.94
Deduct those expired and marked off as terminated 155,425,077.00 1,858,293.30
In force at end of year $ 207,441,540.00 $ 2,043,414.64
Deduct amount re-insured 39,176,133.00 208,548.69
Net amount in force at end of year $ 168,265,407.00 $ 1,834,865.95
Marine and
Inland. Premiums.
In force at beginning of year $ 762,436.00 $ 23,730.25
Written during year 266,264.00 8,392.37
Total $ 1,028,700.00 $ 32,122.62
Deduct those expired and marked off as terminated- 610,725.00 25,388.75
In force at end of year $ 417,975.00 $ 6,733.87
Deduct amount re-insured 417,975.00 6,733.87
224
Document No. 10.
[Session
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year
Written.
In 1900 1
In 1809 2
In 1900 2
In 1898 3
In 1899 3
In 1900 3
In 1897 4
In 1898 4
In 1899 4
In 1900 4
In 1896 5
In 1897 5
In 1898 5
In 1899 5
In 1900 5
Fraction
Term. Unearned.
year or less One-half
years One- fourth
years Three- fourths -
years One-sixth
years One-half
years Five-sixths
years One-eighth
years Three- eighths .
years Five-eighths—
years Seven-eighths .
years One-tenth
years Three-tenths _.
years One- half
years Seven-tenths _.
years Nine- tent lis
Amount
Covered.
73,521,716.00
392,763.00
5,265,230.00
18,703,864.00
19,608,075.00
25,639,052.00
318,571.00
291,541.00
195,207.00
844,322.00
4,896,993.00
4,408,970.00
4,442,817.00
4,653,291.00
5,079,995.00
Premiums
Charged.
875,604.08
1,691.84
6,597.26
212,954.10
210,971.91
231,175.00
2,350.87
2,238.40
1,882.25
5,209.87
56,324.67
53,691.44
54,399.35
58,978.97
60,792.94
Premiums
Unearned.
437,802.04
422.96
4,947.94
35,492.35
105,485.96
192,645.83
293.86
839.40
1,176.41
4,558.64
5,632.47
16,108.33
27,199.68
41,285.28
54,713.65
Totals $ 168,265,407.00 $ 1,834,865.95 $
928,604.80
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year .
Net premiums receded during
year jff-
Increase in gross uncollected
premiums S
Decrease v in re-insurance fund
Total net premiums earned
Interest, etc., received $
Increase in accrued interest, etc.,
Total interest earned.
Total losses and expenses in-
curred
Net loss for year
Dividends to stockholders.
Total dividends incurred
year
Decrease in surplus for year_
for
09,440.74
74,536.24
75,848.16
35,936.03
$ 1,134,711.99
143,976.98
» 1,278,688.97
Total premiums and interest-
earned
Net losses paid during year $ 938,744.66
Increase in net unpaid losses— 37;497.31
Total net losses incurred
Expenses paid $ 487,770.86
Decrease iu unpaid expenses 9,611.22
Total expenses incurred
110,884.16
f 1,389,573.16
976,241.97
478,159.64
25,000.00
1,454,401.61
64,S28.45
25,000.00
89,828.45
Surplus at end of year $
753,869.81
664,041.36
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written $ 1,247,432.00
Gross premiums received 15,358.25
Losses paid 6,366.S4
Losses incurred 5,289.84
1903.] Document No. 10. 225
PACIFIC FIRE INSURANCE COMPANY OF NEW YORK.
Located at New York, N. Y. Incorporated 1851. Commenced Business 1S51.
Frank T. Stinson, President. George Jeremiah, Secretary.
Cash capital, $200, 000.
Amount of net or ledger assets December 31, 1899 $ 644, 194. 37
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 025,173.25 $
Deduct re-insurance, rebate, abatement and return
premiums 224,542.37
Net cash received for premiums § 400,630.88 $_
400, 630. 88
Rents 253.24
Interest received on mortgages 10,397. 15
Interest and dividends on stocks and bonds 14, 113. 97
Profit on sale or maturity of ledger assets 43, 557. 41
From all other sources 114. 10
Total income $ 469, 066. 75
Aggregate last balance and income $> 1, 113, 261. 12
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 378,78G.29 $
Deduct salvage and re-insurance 76,006.90
Net cash paid for losses $ 302,779.39 $.
302, 779. 39
Paid stockholders (interest or dividends) 20, 000. 00
Commissions or brokerage and allowances to agents 95, 860. 03
Salaries and fees of officers and employees 42, 136. 83
Taxes 13,577.77
All other expenditures 36, 383.09
Total disbursements during the year $ 509, 737. 11
Balance December 31, 1900 $ 603, 524. 01
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned 5 9,015.50
Loans on mortgages 189,600.00
Book value of stocks and bonds 400,300.00
Cash in company's office 1,747.32
Cash in bank 61,861.19
$ 662, 524. 01
15
226
Document No. 10.
[Session
Deduct borrowed money.
59,000.00
Total net or ledger assets
OTHER ASSETS.
Hents and interest due and accrued
Market value of stocks and bonds over book value
Uncollected premiums
Total admitted assets "—
$ 59, 000. 00
.$ 603, 524. 01
3, 735. 32
35, 594. 50
59, 989. 50
_$ 702, 843. 33
LIABILITIES.
Losses adjusted and unpaid 8 24,911.29
Losses in process of adjustment 39,585.00
Losses resisted 1,500.00
Net amount of unpaid losses, less re-insurance $
Total unearned premiums
Unpaid interest
Salaries, rents, etc., due and accrued
Return and re-insurance premiums
Total liabilities $
Cash capital
Net surplus
Total liabilities, including cash capital and net surplus $
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks.
In force at beginning of year $ 78,725,094.00
Written during year 61 ,847,417.00
Total $ 140,572,511.00
Deduct those marked off as terminated 58,066,774.00
In force at end of year S 82,505,737.00
Deduct amount re-insured 15,657,283.00
Net amount in force at end of year $ 66,848,454.00
Largest amount in any one hazard S 20,000.00
41,343.60
319, 947. 18
375. 38
7, 916. 66
12,117.05
381 , 699. 87
200, 000. 00
121,143.46
702, 843. 33
Premiums.
$ 725,069.52
619,228.49
$ 1,314,298.01
566,112.81
$ 778,185.20
141,655.94
? 636, 529. 2G
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
^ EAR Fraction Amount Premiums Premiums
Written. Term. Unearned. Covered. Charged. Unearned.
1*1900 1 year or less ...One-half 8 25,708,291.00 $ 290,217.95 $ 145,108.97
.In 18m 2 years One-fourth 428,257.00 3,009.26 752.32
tfaWOO 2 years Three-fourths 241,665.00 2,356.90 1,767.67
InlS9S 3 years One-sixth 11,351,513.00 91,915.23 15,319.20
la 1899 3 years One-half 11,893,763.00 96,088.88 48,044.44
In loon 3 years Five-sixths 11,497,595.00 88,379.57 73,049.64
la 1897 4 years One-eighth 125,106.00 067.50 83.44
la 1898 4 years Three-eighths 106,624.00 728.92 273.34
S Q 1899 4 years Five-eighths 252,350.00 1,116.00 097.50
810 1900 4 years Seven-eighths 108,579.00 986.50 863.19
SaI896 5 "years One-tenth 433,180.00 5,992.47 599.25
1903.] Document No. 10. 227
In 1S97 5 years Three-tenths 8 1,053,300.00 S 12,376.86 $ 3,713.06
[nl898 5 years One-half 1,503,620.00 16,341.27 8,170.63
In 1899 5 years Seven-tenths 1,101,602.00 14,061.09 9,842.76
In 1900 5 years Nine-tenths 983,009.00 12,290.86 11,061.77
Totals $ 66,848,454.00 $ 636,529.26 $ 319,947.18
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year $ 162,026.28
Net premiums received during
year $ 400,630.88
Decrease in gross uncollected
premiums $ 6,682.06
Decrease in re-insurance fund 10,114.48 3,432.42
Total net premiums earned g 404,063.30
Interest, etc., received 8 24,566.90
Increase in accrued interest, etc., 7,739.79
Total interest earned 32,306.69
Total premiums and interest
earned S 436,369.99
Net losses paid during year 8 302,779.39
Decrease in net unpaid losses ___ 26,919.57
Total net losses incurred $ 275,859.82
Expenses paid 8 186,156.19
Decrease in unpaid expenses 4,763.20
Total expenses incurred 181,392.99
Total losses and expenses in-
curred 457,252.81
Net loss for year S 20,882.82
Dividends to stockholders 20,000.00
Total dividends incurred for
year S 20,000.00
Decrease in surplus for year 40,882.82
Surplus at end of year $ 121,143.46
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written S 342,606.00
Gross premiums received 11,316.32
Losses paid 4,754.44
Losses incurred 3,815.58
Number of agents working in State during year, 43.
228 Document No. 10. [Session
PALATINE INSURANCE COMPANY (LIMITED)
OF GREAT BRITAIN.
Located in U. S. at New York.
Incorporated 1900. Commenced Business
A. H. Wray, Manager.
Cash capital, $500, 000.
INCOME.
Received from home office $ 892, 000. 00
Total income $ 892, 000. 00
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of stocks and bonds $ 892,000.00
Total admitted assets $ 892, 000. 00
LIABILITIES.
Cash capital 500,000.00
Net surplus 392,000.00
Total liabilities, including cash capital and net surplus $ 892, 000. 00
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
None — just entering the State.
PAMLICO INSURANCE AND BANKING COMPANY
OF NORTH CAROLINA.
Located at Tarboro, N. C.
H. L. Staton, President. Job Cobb, Secretary.
Cash capital, $33, 960.
Amount of net or ledger assets December 31, 1899 $ 73, 620. 67
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 12,971.47 $
Deduct re-insurance, rebate, abatement and re-
turn premiums 1,790.37
Net cash received for premiums $ 11,181.10 $
11,181.10
1903.]
Document No. 10.
Rents
Interest received on mortgages
Interest and dividends on stocks and bonds -
Total income
Aggregate last balance and income
DISBURSEMENTS.
Gross cash paid for losses $
Net cash paid for losses 8
Fire.
6,245.44 $
Marine and
Inland.
(5,245.44 $_
Paid stockholders (interest or dividends)
Commissions or brokerage and allowances to agents
Salaries and fees of officers and employees
Taxes
All other expenditures
Total disbursements during the year $
Balance December 31, 1900 1
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned.
Loans on mortgages
Cash in company's office — !
Cash in bank
Bills receivable
All other
8,382.74
156,795.37
34,638.62
10,009.95
2,035.90
2,003.79
Gross assets
Non-admitted assets —
Deposits, etc
Total deductions -
14(1,641.91
Total admitted assets $
229
70.00
6, 197. 93
1, 735. 73
19, 184. 76
.$ 92, 805. 43
6, 245. 44
5, 660. 00
2, 452. 70
2, 658. 32
849. 57
1, 714. 94
19, 580. 97
73, 224. 46
Total net or ledger assets $ 213,866.37
213, 866. 37
140, 641. 91
73, 224. 46
LIABILITIES.
Cash capital $ 33,960.00
Reserve or guarantee fund 79, 240. 00
Net surplus 39, 264. 46
Total liabilities, including cash capital and net surplus $ 152, 464. 46
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year 8 532,884.00 $
Written during year 549,259.00
Total
.$ 1,082,143.00 $.
230 Document No. 10. [Session
Deduct those expired and marked off as terminated $ 404,759.0(1 $
In force at end of year $ 617,384.00 $
Deduct amount re-insured 0,490.00
Net amount in force at end of year $ 610,894.00 $_
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written f 549,259.00
Gross premiums received 12,971.00
Re-insurance premiums 264.00
Losses paid 6,245.00
Losses incurred 6,245.00
PENNSYLVANIA FIRE INSURANCE COMPANY
OF PENNSYLVANIA.
Located at Philadelphia, Pa. Incorporated 1825. Commenced Business 1825.
K. Dale Benson, President. W. Gardner Crowell, Secretary.
Cash capital, $400, 000.
Amount of net or ledger assets December 31, 1899 $ 4,813,927.09
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 2,515,604.84
Deduct re-insurance, rebate, abatement and return
premiums 596,610.30
Net cash received for premiums S 1,918,994.54
1,918,994.54
Deposit premiums received for perpetual risks 36, 332. 28
Rents 9,668.43
Interest received on mortgages 29, 204. 62
Interest received on collateral loans 10,413.16
Interest and dividends on stocks and bonds 162, 323. 59
Interest and dividends from all other sources 1,597.47
Profit on sale or maturity of ledger assets 18, 650. 00
From all other sources 1, 061. 28
Total income $ 2,188,268.37
Aggregate last balance and income $ 7, 002, 195. 46
1903.] Document No. 10. 231
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses S 1,375,518.85 $_
Deduct salvage and re-insurance 124,508.69 _.
Net cash paid for losses 3 1,251,010.16
$ 1,251,010.16
Deposit premiums returned 21, 762. 5-1
Paid stockholders (interest or dividends) 100,000.00
Commissions or brokerage and allowances to agents 445, 125. 67
Salaries and fees of officers and employees 93,598.00
Taxes 61,910.35-
Loss on sales or maturity — ledger assets 15, 604.80
All other expenditures ; 101, 844. 94
Total disbursements during the year $ 2,090,856.46
Balance December 31, 1900 $ 4, 911, 339. 00
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned S 228,634.34
Loans on mortgages 735,100.00
Loans on collaterals 243,
Book valueof stocks and bonds 3,557,120.14
Cash in company's office 1,632.91
Cash in bank 144,051.01
Bills receivable 1,700. 10
Total net or ledger assets $ 4,911,339.00
OTHER ASSETS.
Rents and interest due and accrued 14, 402. 56
Market value of real estate over book value 1, 132.33
Market value of stocks and bonds over book value 122, 954. 88
Uncollected premiums 285, 093. 7S '
Total admitted assets $ 5,334.922.53
LIABILITIES.
Losses adjusted and unpaid $ 56,509.80
Losses in process of adjustment 135,809.22
Losses resisted 8,600.00
Net amount of unpaid losses $ 200,919.02
Total unearned premiums 1, 719, 001. 59
Amount reclaimable on perpetual fire risks 851, 117. 95
Total liabilities $ 2,771,038.56
Cash capital -' 400,000.00
Net surplus 2, 163,883.97
Total liabilities, including cash capital and net surplus $ 5, 334, 922. 53
232 Document No. 10. [Session
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year $ 370,220,236.00 $ 3,204,049.50
Written during year 232,425,355.00 2,531,808.12
Total $ 002,645,591.00 $ 5,795,857.62
Dednr-t those expired and marked off as terminated 213,370,054.00 2,127,854.39
In force at end of year 8 389,275,537.00 $ 3,668,003.23
Deduct amount re-insured 45,982,651.00 354,318.59
Net amount in force at end of year $ 343,292,886.00 $ 3,313,684.64
Perpetual risks (not included above) 37,482,911.00 933,369.14
Largest amount in any one hazard S 50,000.00
RECAPITULATION OF
FIRE
RISKS AND
PREMIUMS.
Year 1
Fraction
Amount
Premiums
Premiums
Written. Term U
NEARNED.
Covered.
Charged.
Unearned.
In 1900 __i year or less One
-half.. .
. $ 142,600,982.00
$
1,678,113.42 |
839,056.71
In 1899 2 years . . One-
-fourth
651,259.00
4,987.60
1,246.90
In 1900 _ 2 years Three-fourths
1,315,465.00
19,122.82
7,592.16
In 1898 3 years— One-
■sixth
51,531,603.00
323,148.64
53,858.10
In 1899 3 years One-
half
43,140,272.00
322,188.98
161,094.49
In 1900 _. 3 years . _ Five
-sixths
44,703,020.00
397,891.46
331,576.20
In 1897 4 years . One-
■eighth __
610,702.00
5,183.29
647.91
In 1898 4 years Three-eighths
654,393.00
4,213.48
1,580.04
In 1899 _. 4 years .. . Five
-eighths
362,767.00
3,748.63
2,342.90
In 1900.. . 4 years Seven-eighths
511,289.00
4,730.30
4,139.01
In 1896 5 years . _ One-
■tenth . .
0,038,757.00
71,097.70
7,109.77
In 1897 .5 years. . Three-tenths .
9,105,282.00
88,275.18
26,482.55
In 1898 5 years.. .One-
-half—. .
10,875,551.00
96,455.71
48,227.85
,_
14,445,724.00
133,136.69
93,195.68
In 1900 .. .5 years. _. Nine
14,788,487.00
148,331.31
138,498.18
1894-1900. 7 years
202,643.00
1,958.47
652.82
1891-1900. .10 years . .
1,754,690.00
37,482,911.00
20,100.96
933,369.14
6 700 32
Perpetual ... . ... . 95 p<
sr cent.
(VND INVEST
851,117.95
Totals . .
. $ 380,775,797.00
$
4,247,053.78 $
2,570,119.54
UNDERWRITING .
ME
N'T EXHIBIT
DURING YEAR.
Surplus at beginning of year...
. . $
2,181,845.26
Net premiums received during
year .. ._ _
$
1,933,564.28
Increase in gross uncollected
premiums _ ... $
16,203.
173,873.
28
67
157,670.39
Increase in reinsurance fund
Total net premiums earned
$
1,775, 893. S9
205,816.
69
Increase in accrued interest, etc.,
54,107.
81
259,924.50
Total interest earned
Total premiums and interest
earned
8
2,035,818.39
1,251,010.16
Increase in net unpaid losses
7,704.
14
9
1,258,714.30
Total net losses incurred _
Expenses paid _ $
695,065.
38
095,065.38
Total expenses incurred
1903.] Document No. 10. 233
Total losses and expenses in-
curred $ 1,953,779.68
Net gain for year I 82,038.71
Dividends to stockholders L00,000.00
Total dividends incurred for
year S 100,000.00
Decrease in surplus for year 17,961.29
Surplus at end of year S 2,103,883.97
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written S 1,157,557.00
■Gross premiums received 10,437.31
Losses paid 13,451.16
Losses incurred 7,314.83
PHENIX INSURANCE COMPANY OF NEW YORK.
Located at Brooklyn, N. Y. Incorporated 1853. Commenced Business 1853.
George P. Sheldon, President. William A. Wright, Secretary.
Cash capital, §1, 000, 000.
Amount of net or ledger assets December 31, 1899 $ 5,401,629.82
INCOME.
Fire.
Gross cash received for premiums $ 4,099,189.96 $.
Deduct re-insurance, rebate, abatementand return
premiums 742,210.05 _.
Marine and
Inland.
Net cash received for premiums $ 3,356,979.91
Rents
Interest received on mortgages
Interest received on collateral loans
Interest and dividends on stocks and bonds
3, 356, 979. 91
38, 209. 43
3, 950. 98
:;, 726. 40
127, 153. 02
Total income $ 3,530,019. 74
Aggregate last balance and income $ 8, 931, 649. 56
DISBURSEMENTS.
m \rine and
Fire. Inland.
Gross cash paid for losses S 2,156.152.99
Deduct salvage anil re-insurance 220,256.57
Net cash paid for.loaaea S 1,935,886.42
1, 935, 886. 42
234 Document No. 10. [Session
Paid stockholders (interest or dividends) $ 100,000.00
Commissions or brokerage and allowances to agents 628, 691. 20
Salaries and fees of officers and employees 319, 535. 39
Taxes 112,778.24
Loss on sales or maturity — ledger assets 65, 323. 91
All other expenditures 355, 271. 17
Total disbursements during the year $ 3,517,486.33
Balance December 31, 1900 $ 5,414,163.23
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned $ 401,404.39
Loans on mortgages 75,600.00
Loans on collaterals G6, 900.00
Book value of stocks and bonds 3,831,448.35
Cash in company's office 2,700.00
Cash in bank 621,256.39
Agents' debit balances 416,190.88
■ — --If) 5, 410, 50b. 01
Deduct agents' credit balances $ 1,342.78
1,341.78
Total net or ledger assets $ 5, 414, 163. 23
OTHER ASSETS.
Rents and interest due and accrued 10, 840. 69
Market value of real estate over book value 141, 595. 61
Market value of stocks and bonds over book value 226, 876. 65
Uncollected premiums 29, 167. 24
Total admitted assets $ 5,822,643.42
LIABILITIES.
Losses in process of adjustment $ '220,825.50
Losses resisted "11,790.00
Net amount of unpaid losses $ 238,615.50
Total unearned premiums 3,039,403.97
Salaries, rents, etc., due and accrued 2, 229.92
Return and re-insurance premiums 8,614.39
Total liabilities $ 3,288,863.78
Cash capital 1,000,000.00
Net surplus 1, 533, 779. 64
Total liabilities, including cash capital and net surplus $ 5, 822, 643. 42
MISCELLANEOUS.
RISKS AND PREMIUMS.
Firk Risks. Premiums.
In force at beginning of year $ 556,519,631.00 $ 6,193,577.77
Written during year 373,415,424.00 4,117,627.33
Total $ 929,935,055.00 $ 10,311,205.10
Deduct those expired and marked off as terminated 352,830,800.00 3,929,421.39
In force at end of year $ 577,104,255.00 $ 6,381,783.71
Deduct amount re-insured 37,170,965.00 357,063.73
Net amount in force at end of year $ 539,933,290.00 $ 6,024,719.98
k ■-
1903.]
Document No. 10. 235
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year Fraction Amount Premiums Premiums
Written. Term. Unearned. Covered. Charged. Unearned.
In 1900 lyearorless One-half 8 165,042,739.00 $ 1,944,434.19 8 972,^17.10
In 1899 2years One-fourth 1,207,618.00 S, 494. 51 2,123.62
In 1900 2 years Three-fourths 1, 362,549.00 9,854.26 7,390.68
In 1898 3 years One-sixth 66,899,265.00 519,855.57 96,642.60
In 1899 3 years One-half 74,387,584.00 627,471.04 313,735.52
In 1900 3 years Five-sixths 75,421,640.00 067,462.26 556,218.55
In 1897 4 years One-eighth 961,684.00 10,531.30 1,316.41
In 189S 4 years Three-eighths 1,150,319.00 12,993.43 4,872.54
In 1899 4 years Five-eighths 938,072.00 9,717.21 6,073.25
In 1900 4 years Seven-eighths 1,152,777.00 10,293.96 9,007.22
In 1896 5 years One-tenth 27,366,687.00 415,081.23 41,508.12
In 1897 5 years Three-tenths 28,099, 642. oo 415,297.17 124, 589! 13
In 1898 5 years One-half 34, 187, 440. oo 460,5(31.38 230,115.69
In 1899 5 years Seven-tenths 33,597,721.00 470,543.65 329,380.52
In 1900 5 years Nine-tenths 28,157,553.00 382,458.82 341,213.02
Totals 8 539,933,290.00 S 6,024,719.98 $ 3,039,403.97
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year 8 1,529,461.38
Net premiums received during
year 8 3,356,979.91
Increase in gross uncollected
premiums 8 11,318.62
Increase in re-insurance fund— 102,633.64 91,315.02
Total net premiums earned 8 3,265,664.89
Interest, etc., received $ 154,360.83
Increase in accrued interest, etc., 50,582.45
Total interest earned 204,943.28
Total premiums and interest
earned « 3,470,608.17
Net losses paid during year 8 1,935,886.42
Increase in net unpaid losses 29,977.64
Total net losses incurred S 1,965,864.06
Expenses paid $ 1,397,597.00
Increase in unpaid expenses 2,828.85
Total expenses incurred 1,400,425.85
Total losses and expenses in-
curred 3,366,289.91
Net gain for year S 104,318.26
Dividends to stockholders 100,000.00
Total dividends incurred for year, 100,000.00
Increase in surplus for year 8 4,318,26
Surplus at end ot year $ 1,533,779.64
BUSINESS IN NORTH CAROI.IRA DURING THE YEAR.
Fire Risks.
Gross risks written 8 1,244,455.00
Gross premiums received 20,584.85
Losses paid 4,069.26
Losses incurred 4,069.26
Number of agents working in State during year, 48.
236 Document No. 10. [Session
PHOENIX FIRE INSURANCE COMPANY OF
CONNECTICUT.
Located at Hartford, Conn. Incorporated 1854. Commenced Business 1854.
D. W. C. Skilton, President. Edward Milligan, Secretary.
Cash capital, $2, 000, 000.
Amount of net or ledger assets December 31, 1899 $ 4, 235, 327. 19
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 3,228,428.77 $
Deduct re-insurauce, rebate, abatement and re-
turn premiums 459,281.80
Net cash received for premiums $ 2,769,140.97 $.
2, 769, 146. 97
Rents 20,864.05
Interest received on mortgages 6, 347. 43
Interest received on collateral loans 540.00
Interest and dividends on stocks and bonds 203, 201. 60
Profit on sale or maturity of ledger assets 4, 889. 93
Total income $ 3,004,989.98
Aggregate last balance and income $ 7, 240, 317. 17
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 1,846,781.45 $
Deduct salvage and re-insurance 117,321.84
Net cash paid for losses $ 1,729,459.01 $_
1, 729, 459. 61
Paid stockholders (interest or dividends) 280, 000. 00
Commissions or brokerage and allowances to agents 516, 420. 00
Salaries and fees of officers and employees 186,692.34
Taxes 93, 183. 12
Loss on sales or maturity — ledger assets 25,477.85
All other expenditures 290, 889, 44
Total disbursements during the year $ 3, 122, 122. 36
Balance December 31, 1900 $ 4, 118, 194. 81
1903.] Document No. 10. 237
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned $ 468, 670. S6
Loans on mortgages 84,160.61
Loans on collaterals 9,000.00
Book value of stocks and bonds 3,023,589.00
Cash in company's office 26,728.85
Cash in bank 245,517.11
Agents' debit balances 261,072.20
$ 4,118,747.69
Deduct agents' credit balances § 552.88
552. 88
Total net or ledger assets $ 4, 118, 194.81
OTHER ASSETS.
Eents and interest due and accrued 36,985.87
Market value of real estate over book value 39, 574. 96
Market value of stocks and bonds over book value 1, 179, 448. 44
Uncollected premiums 226,680.00
Gross assets $ 5,600,884.08
Non-admitted assets —
Agents' debit balances unsecured $ 17,389.83
Total deductions . 17, 389. S3
Total admitted assets $ 5, 583, 494. 25
LIABILITIES.
Losses adjusted and unpaid $ 48,756.87
Losses in process of adjustment 194,199.50
Losses resisted 16,238.80
Net amount of unpaid losses, less re-insurance $ 253, 062. 15
Total unearned premiums 2, 087, 882. 17
Total liabilities $ 2,340,944.32
Cash capital 2,000,000.00
Net surplus 1,242,549.93
Total liabilities, including cash capital and net surplus f> 5, 583, 494. 25
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year 8 387,052,370.00 $ 4,077,640.59
Written during year 335, 540, 990. mi 3,228,428.77
Total $ 722,593,360.00 $ 7,306,069.36
Deduct those expired and marked off as terminated 311,043,562.00 3,035,840.52
In force at end of year $ 411,549,798.00 $ 4,270,228.84
Deduct amount re insured 16,565,761.00 181,106.20
Net amount in force at end of year $ 394,984,037.00 $ 4,089,122.04
Largest amount in any one hazard $ 70,000.00
238
Document No. 10.
[Session
RECAPITULATION OF FIKE RISKS AND PREMIUMS.
Year
Written.
In 1900.
1
In 1899
•_>
In 1900
?,
In 1898
3
In 1899
3
In 1900.
3
In 1897 —
4
In 1898—
4
In 1899- .
4
In 1900
4
In 1896 .
5
In 1897 .-
5
In 1898
5
In 1899
5
In 1900 .
_5
Fraction
Term. Unearned.
year or less One-half $
years One-fourth
years Three- fourths
years One-sixth
years One-half
years Five-sixths
years One-eighth
years Three-eighths —
years Five-eighths
years Seven-eighths
years One- tenth
years Three-tenths
years One-half
years Seven- tenths
years Nine- tenths
Amount
Covered.
186,731,106.00
485,260.00
835,298.00
48,021,069.00
51,595,452.00
51,538,711.00
548,232.00
538,667.00
649,186.00
954,272.00
7,972,199.00
8,943,557.00
10,296,381.00
13,102,987.00
12,771,660.00
Premiums
Charged.
1,889,894.91
5,004.17
6,920.56
501,404.69
528,696.08
536,911.59
5,392.67
5,662.45
6,050.66
9,536.63
90,598.00
100,220.16
115,296.54
146,632.89
140,900.64
Premiums
Unearned.
944,947.46
1,251.04
5,190.42
83,567.45
264,348.04
447,426.33
074.08
2,123.42
3,781.66
8,344.55
9,059.80
30,066.(15
57,648.27
102,643.02
126,810.58
Totals $ 394,984,037.00 8 4,089,122.64 $ 2,087,882.17
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year $
Net premiums received during
year
Increase in gross uncollected
premiums $ 17,993.75
Increase in re-insurance fund 58,306.64
8 2,769,146.97
40,312.89
Total net premiums earned
Interest, etc., received $
Increase in accrued interest, etc.,
Total interest earned
221,898.49
141,994.01
$ 2,728,834.08
3"63,892.50
Total premiums and interest
earned
Net losses paid during year 8 1,729,459.61
Decrease in net unpaid losses 18,134.44
Total net losses incurred
Expenses paid
Increase in unpaid expenses
Total expenses incurred
1,078,130.31
3,598.75
Total losses and expenses in-
curred
Net gain for year
Dividends to stockholders
Total dividends incurred for year,
Increase in surplus for year
Surplus at end of year
$ 3,092,726.58
8 1,711,325.17
1,081,729.06
2,793,054.23
299,672.35
280,000.00
280,000.00
19,672.35
1,222,877.58
$ 1,242,549.93
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Gross risks written
Gross premiums received.
Losses paid
Losses incurred
Fire Risks.
1,220,720.00
19,074.39
8,943.36
8,704.68
Number of agents working in State during year, 64.
1903.]
Document No. 10.
239
PIEDMONT FIRE INSURANCE COMPANY
OF NORTH CAROLINA.
Located at Charlotte, N. C. Incorporated 1895. Commenced Business 1895.
Henry M McAden, President. A. H. Harris, Secretary.
Cash capital, §50,000.
Amount of net or ledger assets December 31, 1899 §
INCOME.
Fire.
Gross cash received for premium? $ 38,829.53 $■
Deduct re-insurance, rebate, abatement and return
premiums 13,481.31 _
Net cash received for premiums S 25,348.22 $_
Marine and
Inland.
Eents
Interest received on mortgages
From all other sources
Total income §
Aggregate last balance and income $
DISBURSEMENTS.
Fire.
Marine and
Inland.
Gross cash paid for losses S 38,587.61 8-
Deduct salvage and re-insurance 20,488.02 _.
Net rash paid for losses 8 18,099.59 8-
Salaries and fees of officers and employees
Taxes ,
All other expenditures
Total disbursements during the year $
Balance December 31, 1900 $
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned I
Cash in company's office.
Cash in bank
Bills receivable
All other
60,00li.(in
480.21
1,775.08
12.72
1,570.63
Total net or ledger assets $
OTHER ASSETS.
Rents and interest due and accrued
Uncollected premiums
Gross assets $
60, 877. 80
25, 348. 22
5, 159. 93
16.15
713. 57
31,237.57
92,115.67
IS, 099. 59
5, 068. 73
1,496.46
6, 795. 33
31,460.11
60, 655. 56
63, 838. 64
172.43
S, 085. 81
72, 096. 88
240
Document No. 10.
[Session
Non-admitted assets —
Furniture and supplies
1,148.20
Total deductions $
Total admitted assets $
LIABILITIES.
$ 1,362.21
1,896.83
750.00
1,148.20
70, 094. 68
Losses adjusted and unpaid
Losses in process of adjustment-
Losses resisted
Net amount of unpaid losses, less re-insurance $ 2,901. 17
Total unearned premiums 15,894.36-
Return and re-insurance premiums 647. 20
Total liabilities $ 19,442. 73
Cash capital 50,000.00
Net surplus 1,505. 95
Total liabilities, including cash capital and net surplus $ 70, 948. 68
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks.
In force at beginning of year-
Written during year
Premiums.
« 28,000.00-
56,731.19
Total 8-
Deduct those expired and marked off as terminated —
84,731.19
36,592.33
In force at end of year-
Deduct amount re-insured-
48,138.86
17,987.1,11
Net amount in force at end of year-
Largest amount in any one hazard
30,151.20
2,500.00
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year
Written.
Fraction
Unearned.
Term.
In 1900 __1 year or less One-half —
In 1898 3 years One-sixth _--
In 1899 3 years One-half
In 1900 3 years Five-sixths _
In 1896 5 years One-tenth __.
In 1897 5 years Three-tenths
In 1S98 5 years One-half
In 1899 5 years Seven-tenths
In 1900 5 years Nine- tenths _.
Amount
Covered.
Premiums
P
REMI
UMS
Charged.
U.
NEARNED.
18,106.75 $
9
,053.37
2,195.95
366.00
3,460.50
1
,733.28
4,530.74
3
,781.00
285.30
28.50
348.94
104.67
489.34
21-1.07
331.23
231.84
390.45
351.36
Totals $.
30,151.26 $
15,894.69
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Gross premiums received.
Re-insurance premiums ..
Losses paid
Losses incurred
Fire Risks.
41,822.82
17,987.59
18,022.10
17,405.12
Number of agents working in State during year, 95.
1903.] Document No. 10. 241
PRUSSIAN NATIONAL INSURANCE COMPANY.
Located in U. S. at Chicago, 111.
Incorporated 1845. Commenced Business in U. S. 1891.
Tiieo. W. Letton, U. S. Manager.
Amount of net or ledger assets December 31, 1899 $ 627, 532. 74
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums g 634,650.88 8 2,921.69
Deduct re-insurance, rebate, abatement and return
premiums 200,806.28
Net cash received for premiums g 133,844.1 - 2,921.69
436, 766. 29
Rents 60. 00
Interest and dividends on stocks and bonds 23, 193. 96
Profit on sale or maturity of ledger assets 862. 50
Received from home office 72, 2S1. 25
From all other sources 1, 598. 56
Total income $ 534.762.56
Aggregate last balance and income $ 1. 162, 295. 30
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses S - 1,221.32
Deduct salvage and re-insurance ,071.24
Net cash paid for losses S 291,71 . 1,221.32
292,941.28
Remitted to home office 4S, 568. 49
Commissions or brokerage and allowances to agents 98, 886. 26
Salaries and fees of officers and employees 35, 495. 19
Taxes--.: 19, 036. 35
Loss on sales or maturity — ledger assets 31. 62
All other expenditures 37, 662. 86
Total disbursements during the year 532, 622. 05
Balance December 31, 1900 -f 629,673.25
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned g 800.no
Book value of stocks and bonds 544,
Cash in company's office
Cash in bank 90,61
16
7.45
242
Document No. 10.
[Session
Deduct agents' credit balances ft 6,904.20
Total net or ledger assets
$
LIABILITIES.
Losses adjusted and unpaid
Losses in process of adjustment.
Losses resisted
24,752.50
28,424.00
4,350.00
Net amount of unpaid losses, less re-insurance $
Total unearned premiums
Salaries, rents, etc., due and accrued
Return and re-insurance premiums
Total liabilities $
Net surplus
Total liabilities, including cash capital and net surplus $
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks.
In force at beginning of year $ 00,835,667.00
Written during year 56,466,585.00
T 0ta l $ 117,302,252.00
Deduct those expired and marked off as terminated 47,570,608.00
69,722,644.00
10,648,366.00
In force at end of year
Deduct amount re-insured
Net amount in force at end of year $ 59,074,278.00
Largest amount in any one hazard $ 20,000.00
In force at beginning of year.
Written during year
Total
Deduct those expired and marked oft as terminated.
Marine and
Inland.
6,060.00
696,771.00
702,831.00
702,831.00
9, 964. 20
$ 629,673.25
OTHER ASSETS.
Rents and interest due and accrued 1, 587. 50
Market value of stocks and bonds over book value 34, 306. 07
Uncollected premiums 77, 394. 42
Allother 1,204.85
Total admitted assets $ 744,166.09
44, 497. 97
358,101.97
1, 932. 69
302. 14
404, 834. 77
339,331.32
744, 166. 09
Premiums.
$ 741, 003. 68
053,241.65
$ 1,394,935.33
572,648.81
$ S22.286.52
12(1,675.85
$ 701,610.07
Premiums.
$ 29.30
2,921.09
$ 2,950.99
2,950.99
Year
Written.
In 1900—.
In 1899—
In 1900—
In 1898—
In 1899
In 1900—
In 1897—
RECAPITULATION* OF FIRE RISKS AND PREMIUMS.
Fraction Amount Premiums
Term. Unearned. Covered. Charged.
.lyearorless. One-half $ 27,121,962.00 $ 327,729.27
_2 years One-fourth 67,518.00 545.54
.2 years Three-fourths 80,861.00 881.26
.3 years One-sixth 7,8S4,999.00 91,678.39
.3 years One-half 8,141,787.00 90,121.52
.3 years Five-sixths 8,881,014.00 98,184.96
.4 years One-eighth 189,081.00 1,459.31
Premiums
Unearned.
163,864.03
136.38
660.94
15,279.73
45,060.70
81,820.79
182.41
1903.] Document No. 10. 243
In 1898 4 year? Three-eighths S 202,757.00 ? 1,694.95 8 635.61
In 1899 4 years Five-eighths 26S,7SO.O0 2,257.76 1,411.10
In 1900 4 years Seven-eighths 203,358.00 1,621.33 1,418.66
In 1896 5 years One-tenth 726,718.00 10,978.60 1,097.86
In 1S97 5 years Three-tenths 1,162,573.00 16,104.71 4,831.41
In 1898 5 years One-half 1,090,663.00 16,041.58 8,020.79
In 1899 5 years Seven-tenths 1,590,960.00 21,997.26 15,398.08
In 1900 5 years Nine-tenths 1,461.247.00 20,314.24 18,282.82
Totals S 59,074,278.00 $ 701,610.67 8 358,101.97
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year S 117,578.92
Net premiums received during
year 8 436,766.29
Increase in gross uncollected
premiums 8 17,470.77
Increase in re-insurance fund 14,404.49 3,066.28
Total net premiums earned 8 439,832.57
Interest, etc., received $ 23,182.86
Increase in accrued interest, etc., 7, 1171. 21
Total interest earned 30,254.07
Total premiums and interest
earned 8 470,086.64
Net losses paid during year $ 292, 941. 28
Decrease in net unpaid losses 12,699.03
Total net losses incurred $ 280,242.25
Expenses paid $ 190,793.01
Increase in unpaid expenses 1,011.74
Total expenses incurred 191. 804.75
Total losses and expenses in-
curred 472,047.00
Net loss for year 8 1,960.36
Remitted to home office during
year 23,712.76
Total dividends incurred for
year 8 23,712.76
Increase in surplus for year 8 21,752.40
Surplus at end of year 8 139,331.32
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written 8 80,700.00
Gross premiums received , 1,173.96
244
Document No. 10.
[Session
QUEEN INSURANCE COMPANY OF AMERICA OF
NEW YORK.
Located at New York, N. Y. Incorporated 1891. Commenced Business 1891.
Edward F. Beddall, President. Nevett S. Bartow, Secretary.
Cash capital, $500,000.
Amount of net or ledger assets December 31, 1899 $> 4, 293, 239. 21
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 2,679,477.33 $
Deduct re-insurance, rebate, abatement and return
premiums 727,590.69
Net cash received for premiums $ 1,951,886.64 $-
1, 951, 886. 64
52,704.19
128,706.55
3,569.34
38,119.16
619.53
Total income $ 2, 175,605.41
Aggregate last balance and income $ 6,468,844.62
DISBURSEMENTS.
Rents
Interest and dividends on stocks and bonds—
Interest and dividends from all other sources-
Profit on sale or maturity of ledger assets
From all other sources
Gross cash paid for losses
Deduct salvage and re-insurance.
Marine and
Fire. Inland.
..$ 1,550,985.09 $
287,336.30
Net cash paid for losses $ 1,263,648.79
Paid stockholders (interest or dividends)
Commissions or brokerage and allowances to agents
Salaries and fees of officers and employees
Taxes
All other expenditures
Total disbursements during the year
Balance December 31, 1900
1,263,648.79
100, 000. 00
328, 631. 40
168, 965. 84
73, 876. 29
183, 443. 67
-$ 2,116,565.99
-$ 4, 352, 278. 63
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned.
Book value of stocks and bonds..
Cash in company's office
Cash in bank
720,164.73
3,424,316.72
5,443.35
202,353.83
Total net or ledger assets $ 4, 352, 278. 63
1903.]
Document No. 10.
245
OTHER ASSETS.
Rents and interest due and accrued $ 47, 115. 67
Uncollected premiums 265,463. 76
Due from other companies 848. 66
Total admitted assets $ 4,665,706.72
LIABILITIES.
Losses adjusted and unpaid S 82,691.17
Losses in process of adjustment 97,258.82
Losses resisted 35,880.18
Net amount of unpaid losses, less re-insurance $
Total unearned premiums
Salaries, rents, etc., due and accrued
Return and re-insurance premiums
All other liabilities
183, 590. 84
1, 577, 485. 57
35, 117. 96
19, 668. 96
619. 53
Total liabilities $
Cash capital
Net surplus
Total liabilities, including cash capital and net surplus --.
MISCELLANEOUS.
RISKS AXD PREMIUMS.
Fiee Risks.
In force at beginning of year 8 327,091,647.00
Written during year 247,826,193.00
Total $ 574,917,840.00
Deduct those expired and marked off as terminated 235,125,510.00
In force at 'end of year $ 339,792,330.00
Deduct amount re-insured 36,318,015.00
1, 816, 502. 86
500, 000. 00
2, 349, 203. 86
$ 4, 665, 706. 72
Premiums.
$ 3,215,644.74
2,712,924.61
S 5,92S,569.35
2,416,992.21
$ 3,511,577.14
375,787.27
N«t amount in force at end of year $ 303,474,315.00 8 3,135,789.87
IMX APITULATION OF FIRE RISKS AND PREMIUMS.
Year Fbaction
Written. Term. Unearned.
In 1900 1 year or less One-half
In 1899 2 years One-fourth
In 1901) 2 years Three-fourths _.
In 1898 3 years One-sixth
In 1*99 3 years One-half
In 1900 3 years Five-sixths
In 1897 4 years One-eighth
In 1898 4 years Three-eigths
In 1899 4 years Five-eighths .__
In 1900 4 years Seven-eighths _
In 1896 5 years One-tenth
In 1897 5 years Three-tenths .._
In 1898 5 years One-half
In 1899 5 years Seven-tenth- _-_
In 1900 5 years Nine-tenths
Various over 5 years Pro rata
Amount
Covered.
117,612,943.00
1,217,471.00
1,031,156.00
44,399,655.00
42,087,562.00
40,979,843.00
664,571.00
874,9H7.00
700,900.00
660,782.00
9,688,040.00
9,631,082.(1(1
12,566,035.00
10,240,215.00
10,803,603.00
315,.-:.' i. no
Premiums
Charged.
1,459,269.46
7,074.65
7,(154.31
359,509.09
344,177.62
370,654.49
5,974.13
7,057.90
5,289.03
5,776.97
106,807.48
108,883.00
113,771.56
109,053.53
121,448.48
3,445.17
Premiums
Unearned.
729,634.73
1,768.65
5,740.73
58,918.16
172,088.80
308,878.73
746.75
2,646.72
3,268.14
5,054.84
10,680.74
32,664.90
56,885.77
76,337.46
109,303.55
1,866.90
Totals 8 3(13.474,315.00 $ 3,135,789.87 $ 1,577,485.57
246 Document No. 10. [Session
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR,
Surplus at beginning of year 8 2,335,469.18
Net premiums received during
year 8 1,951,880.64
Increase in gross uncollected
premiums 8 36,522.32
Increase in re-insurance fund 77,837.66 41,315.34
Total net premiums earned 8 1,910,571.30
Interest, etc., received $ 150,693.43
Increase in accrued interest, etc., 1,S50.16
Total interest earned 152,543.59
Total premiums and interest
earned 8 2,063,114.89
Net losses paid during year 8 1,263,648.79
Decrease in net unpaid losses — 6,853.77
Total net losses incurred 8 1,256,795.02
Expenses paid 8 681,832.57
Increase in unpaid expenses 10,752.62
Total expenses incurred 692,585.19
Total losses and expenses in-
curred 1,949,380.21
Net gain for year 8 113,734.63
Dividends to stockholders 100,000.00
Total dividends incurred for
year 100,000.00
Increase in surplus for year 8 13,734.68
Surplus at end of year 8 2,349,203.86
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written 8 1,484,836.00
Gross premiums received 19,356.60
Re-insurance premiums 1,798.48
Losses paid 4,712.52
Losses incurred 4,369.52
Number of agents working in State during year, 50.
1903.]
Document No. 10.
247
ROCHESTER GERMAN INSURANCE COMPANY OF
NEW YORK.
Located at Rochester, N. Y. Incorporated 1872. Commenced Business 1872.
Frederick Cook, President. H. F. Atwood, Secretary.
Cash capital, $200,000.
Amount of net or ledger assets December 31, 1899 • $ 1, 028, 29G. 54
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 642,557.75 $
Deduct re-insurance, rebate, abatement and return
premiums 186,958.62
Net cash received for premiums $ 455,599.13 J.
455, 599. 13
Rents 9,452.83
Interest received on mortgages 20,544. 18
Interest and dividends on stocks and bonds IS, 022. 52
Interest and dividends from all other soui'ces 1,429.27
Total income $ 505,047.93
Aggregate last balance and income $ 1, 533, 344. 47
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 298,435.59 $
Deduct salvage and re-insurance 60,062.10
Net cash paid for losses .
238,373.49 $.
Paid stockholders (interest or dividends)
Commissions or brokerage and allowances to agents-
Salaries and fees of officers and employees
Taxes
Loss on sales or maturity— ledger assets
All other expenditures
Total disbursements during the year $
Balance December 31, 1900 $ 1,071,574.88
238, 373. 49
20, 000. 00
111,146.08
31,764.84
21,122.36
450.00
38, 912. 82
461,769.59
ASSETS
AS PER LEDGER ACCOUNTS.
Book value of real estate owned S
Loans on mortgages
Book value of stock and bonds
Cash in company's office
Cash in bank
211,906.86
395,147.05
106, (42.20
262.19
57,916.58
Total net or ledger assets $ 1,071,578.88
248
Document No. 10.
[Session
OTHEK ASSETS.
Kents and interest due and accrued $ 11, 698. 94
Market value of stocks and bonds over book value 35, 032. 80
Uncollected premiums 60, 308. 48
Total admitted assets $ 1, 178,-615. 10
LIABILITIES.
Losses adjusted and unpaid
Losses in process of adjustment.
Losses resisted
1,231.8G
18,145.91
7,000.00
Net amount of unpaid losses
Total unearned premiums
Commissions due agents and brokers
26, 377. 77
379, 193. 52
1,122.86
-I 406, 694. 15
200, 000. 00
571,920.95
-$ 1,178,615.10
Total liabilities
Cash capital
Net surplus
Total liabilities, including cash capital and net surplus--
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fiek Risks. Premiums.
In force at beginning of year $ 68,716,973.00 $ 078,592.80
Written during year 61,582,945.00 650,149.01
Total $ 130,299,918.00 $ 1,328,741.81
Deduct those expired and marked off as terminated 50,236,304.00 514,949.10
In force at end of year $ 80,063,614.00 $ 813,792.71
Deduct amount re-insured S, 184, 441. 00 90,729.83
Net amount in force 'at end of year $ 71,879,173.00 $ 723,062.88
Largest amount in any one hazard $ 5,000.00
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year
Written.
In 1900 1
In 1899 2
In 1900 2
In 1898 3
In 1899 3
In 1900 3
In 1897 4
In 1898 i
In 1899 4
In 1900 4
In 1896 5
In 1897 5
In 1898 5
In 1899 5
In 1900 5
Fraction Amount
Term. Unearned. Covered.
year or less One-half § 28,164,829.00
years One-fourth 187,095.00
years Three-fourths .. 259,052.00
years One-sixth 10,474,541.00
years One-half 11,479,130.00
years Five-sixths 12,825,240.00
years One-eighth 161, 650. on
years Three-eighths __ 100,809.00
years Five-eighths 218,000.00
years Seven-eighths __ 206,443.00
years One-tenth 583,452.00
years Three-tenths .__ 1,589,128.00
years One-half 1,517,464.00
years Seven-tenths ._. 1,773,038.00
years Nine-tenths 2.278,702.00
Premiums
Charged.
317,857.86
1,483.95
2,270.98
88,046.93
98,392.82
111,813.01
1,401.10
1,434.23
1,836.74
1,882.18
6,643.27
19,803.04
19,219.29
22,302.07
28,674.81
lis $ 71,879,173.00
723,062.88 $
Premiums
Unearned.
158,928.93
370.99
1,703.23
14,674.49
49,196.41
93,178.00
175.14
537.83
1,147.96
1,646.90
664.32
5,940.91
9,609.64
12,611.44
25,807.33
37'.', 193.52
1903.] Document No. 10. 249
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year J 563,800.95
Net premiums received during
year 8 455,509.13
Increase in gross uncollected
premiums 8 (5,729.48
Increase in re-insurance fund 50,425.79 49,690.31
Total net premiums earned 8 405,902.82
Interest, etc., received 8 28,643.83
Increase in accrued interest, etc , 383. 7S
Total interest earned 29,027.61
Total premiums and interest
earned 5 434,03c. 43
Net losses paid during year S 238,373.49
Decrease in net unpaid losses 15,065.13
Total net losses incurred - 2.'3,308.36
Expenses paid { 182,591.13
Increase in unpaid expenses 970.nl
Total expenses incurred 183,562.07
Total losses and expenses in-
curred 406,870.43
Net gain for year 8 28,060.00
Dividends to stockholders 20,000.00
Total dividends incurred for
year 20,000.00
Increase in surplus for year 8 8,060.00
Surplus at end of year 8 571,920.95
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written $ 360,333.00
Gross premiums received 6,328.25
Re-insurance premiums 899.72
Losses paid • 2,694.98
Losses incurred 5,094.98
Number of agents working in State during year, 34.
250 Document No. 10. [Session
UNITED STATES BRANCH OF THE ROYAL INSURANCE
COMPANY OF GREAT BRITAIN.
Located at New York, N. Y.
Incorporated 1845. Commenced Business in U. S. in 1851.
E. F. Beddall, General Attorney for U. S.
Amount of net or ledger assets December 31, 1899 $ 6,518,514.29
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 5,921,551.53 $
Deduct re-insurance, rebate, abatement and return
premiums 1,907,842.35
Net cash received for premiums $ 4,013,709.18
4, 013, 709. 18
Deposit premiums received for perpetual risks 9, 781. 02
Rents 163,224.21
Interest received on mortgages 9, 479. 99
Interest and dividends on stocks and bonds 148, 485. 26
Interest and dividends from all other sources 2, 466. 99
Received from home office 307,618.64
Total income § 4, 654, 765. 29
Aggregate last balance and income $ 11, 173, 279.58
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 3,299,715.38 $
Deduct salvage and re-insurance 450,121.45
Net cash paid for losses $ 2,849,593.93 $_
2, 849. 593. 93
Deposit premiums returned 9, 910. 30
Commissions or brokerage and allowances to agents 696, 243. 36
Salaries and fees of officers and employees 316,902.37
Taxes - ... 174, 756. 59
Remitted to home office 380, 974. 87
All other expenditures 341, 017. 37
Total disbursements during the year § 4, 769,398. 79
Balance December 31, 1900 $ 6,403,880. 79
1903.] Document No. 10. 251
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned S 2,143,090.05
Loans on mortgages 195,000.00
Book value of stocks and bonds 3,798,412.55
Cash in company's office 1,154.06
Cash in bank 201,252.99
Cash in branch office 2,359.27
All other 16,354.n5
$ 6, 420, 622. 97
Deduct all other $ 388. 13
388. 13
Total net or ledger assets $ 6,420,234.84
OTHER ASSETS.
Rents and interest due and accrued 55, 962. 52
Uncollected premiums 594, 024. 11
Total admitted assets § 7,070,221.47
LIABILITIES.
Losses adjusted and unpaid $ 32,516.90
Losses in process of adjustment 574,963.36
Losses resisted 102,301.57
Net amount of unpaid losses, less re-insurance $ 498, 928. 70
Total unearned premiums 3, 513, 647. 85
Amount reclaimable on perpetual fire risks 227, 010. 68
Commissions due agents and brokers 867. 19
Salaries, rents, etc., dne and accrued 34,240.48
Return and re-insurance premiums 186, 647. 64
All other liabilities 119. M02. 72
Total liabilities $ 4,581,245.26
Net surplus 2,488,976. 21
Total liabilities, including cash capital and net surplus .$ 7, 070, 221. 47
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year g 894,333,811.04 $ 7,783,106.72
Written during year 797,441,087.22 5, 966, 047.5c,
Total $1, 691,774,898. 26 $ 13,749,154.28
Deduct those expired and marked off as terminated 754,018,141.97 5,572,709.86
In force at end of year § 937,726,756.29 $ 8,176,444.42
Deduct amount re-insured 165,246,353.10 1,118,243.24
Net amount in force at end of year $ 772,480,403.19 $ 7,028,201.18
Largest amount in any one hazard 8 150,000.00
PERPETUAL RISKS. Amount. Deposits.
In force at beginning of year $ 9,685,027.00 S 252,117.41
Written during year 228,102.00 11,640.65
Total $ 9,913,12!i.oo $ 263,758.06
Deduct those marked off as cancelled 347,710.00 in. 967. 24
In force at end of year % 9,565,419.00 $ 252,790.82
252
Document No. 10.
[Session
Year.
Written.
In 1900 1
In 1899 2
In 1900 2
Iu 1S9S 3
In 1899 3
In 190(1 3
In 1897 4
In 1898 4
In 1899 4
In 1900 4
In 1890 5
In 1S97 5
In 1898 5
In 1S99 5
In 1900 5
Over 5 years—
Perpetual
Totals
RECAPITULATION OP PIRE RISKS AND PREMIUMS.
Fraction
Unearned.
Term.
year or less__One-half
years One-fourth
years Three-fourths
years One-sixlh
years One-half
years Five- sixths
years One-eighth
years Three-eighths
years Five-eighths
> ears Seven eighths
years One-tenth
years Three-tenths
years One-half
years Seven-tenths
years Nine-tenths
Pro rata
95 per cent.
Amount
Premiums
Premiums
Covered.
Charged.
Unearned.
8 262,845,108.20
8 2,748,242.41 8
1,374,121.20
2,971,747.79
23,392.43
5,848.11
1,798,259.03
16,511.07
12,383.30
. 115,933,803.69
837,361.00
139,560.17
. 101,346,137.17
756,631.02
378,315.51
. 102,718,882.52
796,495. S6
663,746.55
1,492,320.67
12,415.68
1,551.96
2,041,384.01
14,976.68
5,616.25
1,862,475.00
is. (197.33
11,685.83
1,206,753.50
10,046.04
8,790.26
31,473,735.31
334,470.45
33,447.05
311,509,052.91.
331,930.85
99,579.26
46,237,205.65
389,532.33
194,766.16
33,099,097.08
346,540.77
242,578.54
34,422,088.67
364,402.67
327,962.40
2,521,752.00
26,554.59
13,695.30
9,565,419.00
252,790.82
227,010.68
S 78'', 045, 822.19
s 7, 2S0, 992.00 $
3,740,658.53
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year $
Net premiums received during
year $ 4,013,579.90
Increase in gross uncollected
premiums 8 9,093.87
Decrease in re-insurance fund 81,035.21 90,129.08
215,197.53
5,125.39
Total net premiums earned
Interest, etc., received 8
Increase in accrued interest, etc.,
Total interest earned
Total premiums and interest
earned
Net losses paid during year 8 2,849,593.93
Decrease in net unpaid losses 29,175.06
Total net losses incurred
Expenses paid 8 1,412,511.59
Increase in unpaid expenses 4,008.95
Total expenses incurred
Total losses and expenses in-
curred
Net gain for year
Received from home office during
year
Remitted to home office during
year
Increase in surplus for year.
8 4, 103, 708. 9S
220,322.92
8 4,324,031.90
8 2,820,418.87
1,416,520.54
307,018.64
380,974.87
4,236,939.41
87,092.49
73,356.23
13,736.26
2,475,239.95
Surplus at end of year 8 2,488,976.21
1903.] Document No. 10. 253
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks. Toknado.
Gross risks written , $ 3,515,539.(10 $ 75,750.00
Gross premiums received 29,000.00 379. 8S
Re-insurance premiums 7,691.00
Losses paid 11,686.62
Losses incurred 8,696.86
Number of agents working in State during year, 45.
ROYAL EXCHANGE ASSURANCE COMPANY OF GREAT
BRITAIN AND IRELAND.
Located in U. S. at New York, N. Y.
Incorporated 1720. Commenced Business in U. S. 1891.
Robert Dickson, General Manager.
Deposit capital, §200,000.
Amount of net or ledger assets December 31, 1899 $ 1, 108, 833. 28
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums 8 1,159,187.54 § 105. SO
Deduct re-insuraDce, rebate, abatement and re-
turn premiums 337,326.89
Net cash received for premiums S 821,860.65 105.80
821,966.45
Interest and dividends on stocks and bonds 39, 480. 39
Remittance from home office : 375,882.93
Total income $ 1,237,329.77
Aggregate last balance and income $ 2, 346, 163. 05
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses S 590,193.09 S
Deduct salvage and re-insurance 94,538.83
Net cash paid for losses 8 495,654.26 >_
495, 654. 26
Commissions or brokerage and allowances to agents 174, 124. 92
Salaries and fees of officers and employees 67, 405. 25
Taxes - 24,357.36
Remitted to home office- 160, 637. 61
All other expenditures 58,061. 14
Total disbursements during the year $ 980, 240.54
Balance December 31, 1900 $ 1,365,922.51
254 Document No. 10. [Session
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of stocks and bonds $ 1,312,956.22
Cash in company's office 3,666.01
Cash in bank 33,670.52
All other 15,629.76
Total net or ledger assets $ 1, 365, 922. 51
OTHER ASSETS.
Rents and interest due and accrued $ 14, 459. 79
Market value of stocks and bonds over book value 28, 386. 03
Uncollected premiums 1 105,068.80
Due from other companies 954. 00
Gross assets $ 1, 514, 791. 13
Non-admitted assets —
Furniture and supplies $ 15,629.76
Total deductions 15,629.76
Total admitted assets $ 1, 499, 161. 37
LIABILITIES.
Losses adjusted and unpaid $ 18,261.59
Losses in process of adjustment 78,155.21
Losses resisted 5,207.20
Net amount of unpaid losses, less re-insurance $ 78,985. 00
Total unearned premiums 604,366.94
Salaries, rents, etc., due and accrued 1,597.88
Return and re-insurance premiums 5, 469. 79
Total liabilities $ 690,419.61
Deposit capital 200,000.00
Reserve or guarantee fund 60S, 741. 76
Total liabilities, including cash capital and net surplus $ 1, 499, 161. 37
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year $ 93,906,486.00 $ 1,059,264.26
Written during year 103, 70S, 498. 00 1,169,236.95
Total $ 197,674,984.00 $ 2,228,501.21
Deduct those expired and marked off as terminated 81,859,986.00 882,516.03
In force at end of year $ 115,814,998.00 $ 1,345,985.18
Deduct amount re-insured 15,317,257.00 178, 666. OS
Net amount in force at end of year $ 100,497,741.00 $ 1,167,319.10
Largest amount in any one haz»rd $ 25,000.00
RECAPITULATION OP FIRE RISKS AND PREMIUMS.
Year Fraction Amount Premiums Premiums
Written. Term. Unearned. Covered. Charged. Unearned.
In 1900 lyearorless One-half .$ 48,781,575.00 $ 602,801.15 $ 301,400.57
In 1899 —2 years One-fourth 769,178.00 5,772.02 1,443.00
In 1900 2 years Three-fourths 581,625.00 5,188.65 3,891.49
In 1898 3 years One-sixth 12,654,932.00 137,188.23 22,864.70
1903.] Document No. 10. 255
Id 1899 3 years One-half 8 12,109, G09.00 8 127,168.03 $ 63,584.01
In 1900 3 years Five-sixths 14,322,458.00 155,080.20 129,233.57
In 1S97 4 years One-eighth 163,005.00 1,322.08 164.26
In 1898 4 years Three-eighths 156,200.00 S90.05 333.70
In 1899 4 years Five-eighths 325,285.00 2,597.10 1,623.19
In 1900 4 years Seven-eighths 549,424.00 4,939.01 4,321.63
In 1896 5 years One-tenth 1,123,366.00 13,043.48 1,304.35
In 1897 5 years Three-tenths 1,352,477.00 18,766.90 5,630.07
In 189S 5 years One-half 1,881,003.00 21,485.75 10,742.87
In 1899 5 years Seven-tenths 2,507,103.00 30,701.35 21,490.94
In L900 5 years Nine-tenths 3,220,501.00 40,375.10 36,337.59
Totals $ 100,497,741.00 8 1,167,319.10 $ 604,366.94
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year $ 656,422.38
Net premiums received during
year $ 821,966.45
Increase in gross uncollected
premiums $ 12,739.50
Increase in re-insurance fund __ 96,193.56 83,454.06
Total net premiums earned $ 738,512.39
Interest, etc., received S 39,480.39
Increase in accrued interest, etc., 13,728.98
Total interest earned 53,209.37
Total premiums and interest
earned $ 791,721.76
Net losses paid during year 8 495,054.26
Increase in net unpaid losses 31,576.00
Total net losses incurred $ 527,230.26
Expenses paid 8 323,948.67
Increase in unpaid expenses 3,468.77
Total expenses incurred 327,417.44
Total losses and expenses in-
curred 854,647.70
Net loss for year $ 62,925.94
Received from home office dur-
ing'year $ 375,8S2.4>3
Remitted to home office duriDg
year 160,637.61
215,245.32
Increase in surplus for year 8 152,319.38
Surplus at end of year $ 808,741.76
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fike Risks.
Gross risks written , 8 453,497.00
Gross premiums received 5,790.05
Re-insurance premiums 779.79
Losses paid 2,622.14
Losses incurred 3,896.14
Number oi agents working in State during year, 15.
256 Document No. 10. [Session
ST. PAUL FIRE AND MARINE INSURANCE COMPANY
OF MINNESOTA.
Located at St. Paul, Minn.
Incorporated 1865. Commenced Business 1865.
0. H. Bigelow, President. A. W. Perry, Secretary.
Cash capital, 1500,000.
Amount of net or ledger assets December 31, 1899 $ 2, 450, 696. 11
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 1,824,953.74 $ 543,977.22
Deduct re-insurance, rebate, abatement and re-
turn premiums 327,229.89 201,415.81
Net cash received for premiums $ 1,497,723.85 $ 342,561.41
1, 840, 285. 26
Eents 42,651.60
Interest received on mortgages 16, 886. 26
Interest received on collateral loans 5, 277. 23
Interest and dividends on stocks and bonds ' 46, 085. 86
Interest and dividends from all other sources S, 131. 48
Profit on sale or maturity of ledger assets 29, 117. 50
From all other sources 8, 430. 86
Total income $ 1,996,866.04
Aggregate last balance and income $ 4, 447, 562. 16
• DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 1,021,156.10 $ 300,222.38
Deduct salvage and re-insurance 136,731.15 121,620.95
Net cash paid for losses § 884,424.95 $ 178,601.43
$ 1,063,026.38
Paid stockholders (interest or dividends) 50, 000. 00
Commissions or brokerage and allowances to agents 389, 761. 52
Salaries and fees of officers and employees 86, 205. 73
Taxes 56, 351. 92
Loss on sales or maturity — ledger assets 32,034.28
All other expenditures 163, 790. 21
Total disbursements during the year $ 1, 841, 170. 04
Balance December 31, 1900 $ 2,606,392.12
1903.]
Document No. 10.
257
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned $ 636,350.82
Loans on mortgages 296, 175.00
Loans on collaterals 76,225.05
Book value of stocks end bonds 1,171,641.62
Casta in company's office 14,175.25
Cash in bank 160,228.49
Agents' debit balances 235,441.10
Bills receivable 16,932.34
§ 2, 607, 469. (17
Deduct agents' credit balances
1.077.55
1,077.55
Total admitted assets $ 2,606,392.12
LIABILITIES.
Losses adjusted and unpaid
Losses in process of adjustment-
Losses resisted ,_
43,076.27
126,254.93
14,944.07
Net amount of unpaid losses, less re-insurance $ 162, 373. 26
Total unearned premiums 1, 182,868.63
Commissions due agents and brokers 35, 154. 53
Total liabilities 1— $ 1, 380, 396. 42
Cash capital 500,000.00
Net surplus 225,995.70
Total liabilities, including cash capital and net surplus $ 2, 606, 392. 12
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Ri^ks. Premiums.
hi force at beginning of year $ 175,376,634.00 $ 2,159,032.82
Written during year 122,689,749.00 1,832,393.30
Total S 298,066,383.00 S 3,991,426.12
Deduct those expired and marked off as terminated 120,273,733.00 1,705,611.97
In force at end of year $ 177,792,650.00 $ 2,285,814.15
Deduct amount re-insured 12,610,308.00 155,837.64
Net amount in force at end of year $ 165,182,342.00 $ 2,129,976.51
In force at beginning of year.
Written ■luring year
Total 8
Deduct those expired and marked off as terminated
In force at end of year .
Deduct amount re-insured.
Net amount in force at end of year.
Largest amount in any one hazard
10,000.00
Marine am>
Inland.
5,211,441.00 $
70,099,272.00
75,310,713.00 I
To,H7.70M.iM
5,193,013.00 $
1,331,326.00
3,861,687.00 I
Premiums.
141,506.19
544,516.02
686,022.21
484,.:
201,638.60
54,955.21
146,683.39
17
258
Document No. 10.
[Session
RECAPITULATION OF FIRE RISKS AXD PREMIUMS.
Year
Written.
In 1900 I
In 1899 2
In 1900 2
In 1898 3
In 1899 3
In 1900 3
In 1897 4
In 1898 4
In 1899 4
In 1900 4
In 1896 5
In 1897 5
In 1898 5
In 1899 5
In 1900 5
Fraction
Term. Unearned.
year or less One-half
years One-fourth
years Three-fourths -
years One-sixth
years One-half
years Five-sixths
years One-eighth
years Three-eighths.
years Five-eighths „
years Seven-eighths.
years One-tenth
years Three-tenths __
years One-half
years Seven-tenths _-
years Nine-tenths _..
Amount
Covered.
60,559,945.00
222,221.00
241,971.00
22,564,820.00
24,246,742.00
26,859,097.00
73,700.00
120,500.00
80,900.00
140,477.00
4,077,852.00
4,985,626.00
5,781,481.00
7,027,993.00
8,199,017.00
Premiums
Charged.
786,776.54
2,450.50
2,374.89
270,445.09
285,518.11
310,705.78
776.38
967.55
661.78
1,146.59
66,329.61
77,224.03
87,368.14
109,395.53
127,835.99
Premiums
Unearned.
393,388.27
612.62
1,781.16
45,074.18
142,759.05
258,921.45
97.05
362.82
413.60
1,003.24
6,632.96
23,167.20
43,684.07
76,576.87
115,052.39
Totals $165,182,342.00 $ 2,129,976.51 $ 1,109,526.93
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year-
Net premiums received during
year •
Increase in gross uncollected
premiums $
Increase in re-insurance fund-
Total net premiums earned
Interest, etc., received $
Decrease in accrued interest, etc.,
Total interest earned
Total premiums and interest
earned
Net losses paid during year $
Decrease in net unpaid losses
Total net losses incurred
Expenses paid $
Decrease in unpaid expenses
Total expenses incurred
Total losses and expenses in-
curred
Net gain for year
Dividends to stockholders
Total dividends incurred for
year
Increase in surplus for year
Surplus at end of year
7,978.36
114,918.08
99,855.26
2,464.28
S 1,840,285.26
106,939.72
$ 1,733,345.54
97,390.98
1,063,026.38
20,077.21
676,932.21
772.85
$ 1,830,736.52
$ 1,042,949.17
676,159.56
1,719,108.53
111,627.99
50,000.00
50,000.00
61,627.99
664,367.71
725,995.70
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written $ 841,742.00
Gross premiums received 12,356.63
Losses paid 7,038.93
Losses incurred 7,413.37
1903.] Document No. 10. 259
SALAMANDRA INSURANCE COMPANY OF RUSSIA.
Located in U. S. at New York, N. Y.
Incorporated 1846. Commenced Business in U. S. 1899.
Albert Wilcox & Co., Managers.
Amount of net or ledger assets December 31, 1899 $ 506,000.00
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums 8 014,710.46 8
Deduct re-insurance, rebate, abatement and return
premiums 100,519.63
Net cash received for premiums $ .514,190.83 $_
514, 190. 83
Interest and dividends on stocks and bonds 14, 912. 41
From all other sources 200, 742. 47
Total income $ 729,845.71
Aggregate last balance and income $ 1, 235, 845. 71
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 72,304.16 $_
Deduct salvage and re-insurance 212.47
Net cash paid for losses 8 72,091.69
72, 091. 69
Commissions or brokerage and allowances to agents 133, 451. 48
Salaries and fees of officers and employees 227. 50
Taxes 2,398.99
Loss on sales or maturity — ledger assets 10, 000. 00
All other expenditures 321,719.67
Total disbursements during the year $ 539,889.33
Balance December 31, 1900 $ 695, 956. 38
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of stocks and bonds 5 496,100.00
Cash in bank 99,956.38
Cash in hands of U. S. trustees 100,000.00
Total net or ledger assets $ 695,956.38
260 Document No. 10. [Session
OTHER ASSETS.
Rents and interest due and accrued -•$ 4, 016. 67
Uncollected premiums 30, 431. 59
Balance due account securities sold 21, 275. 66
Total admitted assets $ 751, 680.30
LIABILITIES.
Losses adjusted and unpaid . $ 8,335.80
Losses in process of adjustment 66,677.53
Net amount of unpaid losses $ 75, 013. 33
Total unearned premiums 295, 646. 20
Total liabilities $ 370,659.53
Net surplus 381,020.77
Total liabilities, including cash capital and net surplus I 751, 680. 30
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fiee Risks. Premiums.
Written during year $ 55,810,820.00 $ 660,156.53
Total $ 55,810,829.00 $ 660,156.53
Deduct those expired and marked off as terminated 0,332,474.00 109,294.01
In force at end of year I 49,478,355.00 $ 550,861.62
Net amount in force at end of year $ 49,478,355.00 $ 550,861.62
Largest amount in any one hazard $ 25,000.00
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year Fraction Amount Premiums Premiums
Written. Term. Unearned. Covered. Charged. Unearned.
In 1900 1 year or less One-half $ 42,902,964.00 $ 475,453.49 J 237,726.75
In 1899 2 years One-fourth 828.00 488.82 122.21
In 1900 2 years Three-fourths 556,828.00 2,810.03 2,107.52
In 1898 3 years One-sixth 254,006.00 4,041.99 673.66
In 1899 3 years One-half 19(3,928.00 3,963.24 1,981.62
In 1900 3 years Five-sixths 4,255,055.00 39,655.04 33,045.87
In 1897 4 years One-eighth 1,001.00 18.75 2.34
In 1898 4 years Three-eighths 23.00 8.62
In 1899 4 years Five-eighths 3,869.00 217.71 136.07
In 1900 4 years Seven-eighths 155,150.00 973.12 S51.48
In 1896 5 years One-tenth 13,105.00 S30.34 83.03
In 1897 5 years Three-tenths 13,663.00 018.59 185.58
In 1898 5 years One-half 55,698.00 1,251.00 625.50
In 1899 5 years Seven-tenths 32,178.00 1,844.44 1,291.10
In 1900 5 years Nine-tenths 1,037,682.00 18,672.06 16,804.85
Totals $ 49,478,355.00 8 550,861.62 $ 295,646.20
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year $ 500,000.00
Net premiums received during
year $ 514,190.83
Gross uncollected premiums $ 45,446.07
Re-insurance fund 295,646.20 250,200.13
1903.] Document No. 10. 261
Total net premiums earned $ 263,990.70
Interest, etc., received $ 14,912.41
Accrued interest, etc 4,124.00
Total interest earned 19,036.41
Total premiums and interest
earned 8 283,027.11
Net losses paid during year $ 72,091.69
Net unpaid losses 75,013.33
Total net losses incurred $ 147,105.02
Expenses paid $ 136,629.31
Unpaid expenses 15,014.48
Total expenses incurred 151,643.79
Total losses and expenses in-
curred 298,748.81
Net loss for year $ 15,721.70
Remitted to home office during
year ±- 109,257.53
Decrease in surplus for year $ 124,979.23
Surplus at end of year $ 381,020.77
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written $ 481,570.00
Gross premiums received 5,560.47
Losses paid 1.25
Losses incurred 2.25
262 Document No. 10. [Session
SCOTTISH UNION AND NATIONAL INSURANCE COMPANY
OF GREAT BRITAIN.
Located in U. S. at Hartford, Conn.
Incorporated 1824. Commenced Business in U. S. 1880.
James H. Brewster, Manager.
Cash capital, $1,500,000.
Amount of net or ledger assets December 31, 1899 $ 3, 803, 049. 35
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums 8 3,433,140.63 I
Deduct re-insurance, rebate, abatement and re-
turn premiums 1,493,145.80
Net cash received for premiums $ 1,939,994.83 $.
1,939,994.83
Rents 12,386.25
Interest received on mortgages 60, 266. 72
Interest received on collateral loans 85. 66
Interest and dividends on stocks and bonds 72, 521. 41
Interest and dividends from all other sources 5, 044. 44
Profit on sale or maturity of ledger assets 3, 225. 64
Received from home office 79, 526. 27
Total income $ 2,173,051.22
Aggregate last balance and income $ 5, 976, 100. 57
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 2,000,681.45 $
Deduct salvage and re-insurance 670,815.72
Net cash paid for losses _. $ 1,389,865.73 |.
1, 389, 865. 73
Commissions or brokerage and allowances to agents 393, 485. 61
Salaries and fees of officers and employees 91,960.07
Taxes 87, 130. OS
Loss on sales or maturity — ledger assets 5, 192. 04
Allother expenditures - 123,404,75
Total disbursements during the year $ 2,091,038.28
Balance December 31, 1900 $ 3,885,062.29
1903.] Document No. 10. 263
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned $ 218,457.56
Loans on mortgages 1,064,050.17
Loans on collaterals 2,600.00
Book value of stocks and bonds 1,974,216.20
Cash in company's office 583.74
Cash in bank 519,527.98
All other 155,778.58
$ 3, 935, 214. 23
Deduct agents' credit balances $ 23.12
All other 50,128.82
50, 151. 94
Total net or ledger assets $ 3,885,062.29
OTHER ASSETS.
Rents and interest due and accrued 36,658.94
Market value of stocks and bonds over book value 77, 827. 50
Uncollected premiums 229, 601. 75
Gross assets $ 4,228,750.48
Non-admitted assets —
Depreciation in book value, bonds and stock $ 11,673.75
Total deductions 11,673.75
Total admitted assets $ 4, 217,076. 73
LIABILITIES.
Losses adjusted and unpaid $ 76,253. i 1
Losses in process of adjustment 166,500.00
Losses resisted 12,300.00
Net amount of unpaid losses, less re-insurance $ 239, 965. 58
Total unearned premiums 1, 655, 789. 26
Salaries, rents, etc., due and accrued 5,000.00
Return and re-insurance premiums 92,267.00
Total liabilities $ 1,993,021.84
Xet surplus 2,224,054.89
Total liabilities, including cash capital and net surplus $ 4, 217, 076. 73
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year £ 463,713,045.00 - 4,019,751.01
Written during year 357,480,804.00 3,433,140.63
Total $ 821,1(13.849.00 8 7,452,891.64
Deduct those expired and marked off as terminated 315,081,851.00 2,9S8,921.48
In force at end of year $ 506,111.998.00 $ 4,463,970.16
Deduct amount re insured 123, 441, 204. no 1,122,278.70
Net amount in force atend of year $ 382,670,794.00 $ 3,341,691.46
Largest amount in any one hazard $ 50,000.00
264
Document No. 10.
[Session
RECAPITULATION OF FIKE RISKS AND PREMIUMS.
Year Fraction
Written. Term. Unearned.
In 1900 1 year or less One-half $
In 1899 2 years One-fourth
In 1900 2 years Three-fourths __
In 1898 3 years _- One-sixth
In 1899 3 years One-half
In 1900 3 years Five-sixths
In 1897 4 years One-eighth
In 1898 4 years Three-eighths
In 1899 4 years Five-eighths
In 1900 4 years Seven-eighths __
In 1896 5 years One-tenth
In 1897 5 years Three-tenths „.
In 1898 5 years One-half
In 1899 5 years Seven-tenths
In 1900 5 years Nine-tenths
Amount
Covered.
120,674,314.00
1,487,087.00
2,613,322.00
79,774,524.00
(51,441,494.00
61,970,738.00
690,665.00
1,370,543.00
1,039,852.00
2,147,644.00
8,817,815.00
10,228,871.00
11,556,847.00
9,888,859.00
S, 968, 219. 00
Premiums
Charged.
1,390,594.75
10,828.73
19,817.25
491,913.09
440,530.36
427,915.52
4,940.26
9,104.88
7,250.49
13,575.70
101,775.35
105,595.60
107,124.36
107,191.73
103,533.39
Premiums
Unearned.
695,297.37
2,707.18
14,862.94
81,985.51
220,265.18
356,596.27
617.53
3,414.33
4,531.56
11,878.74
10,177.53
31,678.68
53,562.18
75,034.21
93,180.05
Totals $ 382,670,794.00 $ 3,341,691.46 $ 1,655,789.26
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year-
Net premiums received during
year
Increase in gross uncollected
premiums $
Decrease in re-insurance fund __
Total net premiums earned
Interest, etc., received $
Increase in accrued interest, etc.,
18, 704. mi
168,258.33
14ii.078.05
4,420.23
Total interest earned.
$ 1,039,994.83
186,962.33
2,126,957.16
144,498.28
Total premiums and interest
earned
Net losses paid during year $ 1,389,865.73
Decrease in net unpaid losses 46,794.01
Total net losses incurred
Expenses paid
Increase in unpaid expenses
Total expenses incurred
685,754.08
13,085.00
Total losses and expenses in-
curred
Net gain for year
Received from home office during
year
Total dividends incurred for year,
Increase in surplus for year
Surplus at end of year
1,343,071.72
698,839.14
-S 1,914,984.04
$ 2,271,455.44
2,041,910.86
229,544.58
79,526.27
79,526.27
309,070.85
$ 2,224,054.89
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Gross risks written
Gross premiums received.
Losses paid
Losses incurred
Fire Risks.
1,117,484.00
22,076.53
11,767.48
9,539.29
Number of agents working in State during year, 31.
1903.] Document No. 10. 265
SKANDIA INSURANCE COMPANY OF SWEDEN.
i
Located in U. S. at New York, X. Y.
Incorporated 1855. Commenced Business in U. S. 1900.
C. F. Shallcross, Manager.
Deposit capital, $200, 000.
Amount of net or ledger assets December 31, 1899 $
INCOME.
Marine ami
Fire. Inland.
<Sro.»s cash received for premiums $ 353,698.22 $
Deduct re-insurance, rebate, abatement and return
premiums 48,446.41
Net cash received for premiums $ 305,251.78 $_
305, 251. 78
Interest and dividends on stocks and bonds 7, 100.00
Interest and dividends from all other sources 2,172.43
Received from head office 503, 412. 75
Total income $ 817,936.96
Aggregate last balance and income $ 817, 936. 96
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 13,574.40 $
Net cash paid for losses 8 13,574.40 $-
13, 574. 40
Commissions or brokerage and allowances to agents 92, 913. 17
Taxes 1,958.00
Remitted to home office 147,633.33
All other expenditures 2, 731. 49
Total disbursements during the year $ 258,810.39
Balance December 31, 1900 $ 559,126.57
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of stocks and bonds g 468,394.51
Cash in bank 90,732.06
Total net or ledger assets $ 559,126.57
266
Document No. 10.
[Session
OTHER ASSETS.
Rents and interest due and accrued -
Uncollected premiums
All other
2, 516. 67
62, 570. 8S
18.00
Total admitted assets $ 624,232.12
LIABILITIES.
Losses adjusted and unpaid
Losses in process of adjustment.
10,604.94
46,951.38
57, 556. 32
200, 953. 58
6.50
3, 285. 53
261,801.93
362, 430. 19
624, 232. 12
Net amount of unpaid losses
Total unearned premiums
Salaries, rents, etc., due and accrued
Return and re-insurance premiums •
Total liabilities
Net surplus
Total liabilities, including cash capital and net surplus
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
Written during year $ 61,887,896.57 $ 443,391.75
Total $ 61,887,896.57 $ 443,391.75
Deduct those expired and marked off as terminated 18,306,619.60 73,618.68
In force at end of year $ 43,581,276.97 $ 369,773.07
$
$ 30,0011.(111
Net amount in force at end of year
Largest amount in any one hazard
.$ 43,581,276.97 $
369,773.07
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year
Written
Fraction
Unearned.
Amount
Covered.
Term.
In 1900 lyearorless One-half_ . __$ 38,925,770.40
In 1900 2 years .Three-fourths 389,168.75
In 1900 3 years Five-sixths 2,519,104.16
In 1900 4 years Seven-eighths 137,367.33
In 1900 5 years Nine-tenths 1,597,066.33
Various Over 5 years Pro rata 12,800.00
Premiums
Charged.
324,658.27
3,172.87
22,210.45
1,291.72
18,324.40
205.36
Premiums
Unearned.
162,329.13
2,379.65
18,508.71
1,051.51
16,491.93
192.62
Totals S 43,581,276.97
369,773.07 $
200,953.58
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year
Net premiums received during
year
Gross uncollected premiums. __$ 80,408.00
Re-insurance fund 200,953.58
305,251.78
114,545.58
Total net premiums earned
Interest, etc., received
Accrued interest, etc
7,047.56
•-',:.16.67
Total interest earned
Total premiums and interest
earned
190,706.20
9,564.23
200,270.43
1903.] Document No. 10. 267
Net losses paid during year $ 13,574.40
Net unpaid losses 57,556.32
Total net losses incurred $ 71,130.72
Expenses paid 8 95,377.79
Unpaid expenses 27,111.15
Total expenses incurred 122,488.94
Total losses and expenses in-
curred 8 193,619.66
Net gain for year S 6,650.77
Remitted from home office dur-
year 3.55,779,42
Surplus at end of year $ 362,430.19
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks
Gross risks written 5 663,237.00
Gross premiums received 3,135.00
SOUTHERN LOAN AND TRUST COMPANY OF
GREENSBORO.
Located at Greensboro, X. C.
Incorporated 1890. Commenced Business 1890.
E. P. Wharton, President. David White, Secretary.
Cash capital, $25, 000.
INCOME.
Rents $ 1,729.77
Interest received on mortgages (about) 1, 500. 00
Interest received from all other sources (about) 3, 000. 00
Commissions on loans, sales of property, etc. 24, 746. 78
Total income $ 30,976.55
DISBURSEMENTS.
Paid stockholders (interest or dividends) 2,500.00
All other expenditures 5, 501.09
Total disbursements during the year $ 8,001.09
Balance August 1, 1900 $ 22,975.46
268 Document No. 10. [Session
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned $ 24,919.90
Loans on mortgages (about) 100,000.00
Loans on collaterals (about) 9,000.00
Book value of stocks and bonds 5,780.40
Cash in company's office 8,235.57
Cash in bank . 42,334.18
Bills receivable (about) 110,700.00
$ 300, 970. 05
OTHER ASSETS.
Rents and interest due and accrued (about) 1,000.00
Gross assets $ 301,970.05
Non-admitted assets —
Furniture and supplies $ 4,000.00
Total deductions 4,000.00
Total admitted assets $ 297, 970. 05
LIABILITIES.
Depositors' credit balances $ 176, 661. 38
Borrowed money 10, 000. 00
Bills re-discounted 24, 306. 62
Total liabilities $ 211,968.00
Cash capital 25,000.00
Surplus beyond liabilities 61, 002. 05
Total liabilities, including cash capital and net surplus $ 297, 970. 05
SOUTHERN STOCK MUTUAL INSURANCE COMPANY OF
NORTH CAROLINA.
Located at Greensboro, N. C. Incorporated 1895. Commenced Business 1895.
B. D. Heath, President. A. W. McAuster, Secretary.
Amount of net or ledger assets December 31, 1899 $ 64, 248. 26
INCOME.
Net cash received for premiums 48, 509. 96
Interest received on mortgages 2, 819. 31
Interest and dividends on stocks and bonds 936. 92
From all other sources 1, 048. 09
Total income $ 53,314.28
Aggregate last balance and income 1 117,562. 54
1903.] Document No. 10. 269
DISBURSEMENTS.
Net cash paid for losses --$ 13,937.98
Commissions or brokerage and allowances to agents 16, 607. 75
All other expenditures 8, 311. 31
Total disbursements during the year $ 38,857.04
Balance December 31, 1900 $ 78, 705. 50
ASSETS.
AS PER LEDGER ACCOUNTS.
Loans on mortgages $ 33,206.23
Loans on collaterals 11,000.00
Book value of stocks and bonds 12, 875. no
Cash in company's office 531.14
Cash in bank 14,008.92
Bills receivable 500.00
All other 5,(570.52
$ 77,851.81
Deduct agents' credit balances $ 83.23
Total net or ledger assets $ "7, 768. 58
OTHER ASSETS.
Rents and interest due and accrued 936. 92
Total admitted assets $ 78, 705.50
LIABILITIES.
Total unearned premiums 1 34,075.26
Unpaid dividends due policy-holders 6, 394. 85
Total liabilities $ 40,470.11
Net surplus 38, 235. 39
Total liabilities, including cash capital and net surplus $> 78, 705. 50
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year $ 4, 537, o30.no $ 76,890.18
Written during year. 3, 405, 84(5. no 51,140.87
Total $ 7,942,885.00 $ 128,031.05
Deduct those marked off as terminated 2,640,008.00 41,717.74
In force at end of year S 5,302,877.00 8 86,3X3.31
Deduct amount re-insured 116,100.00 2,129.05
Net amount in force at end of year $ 5,180,777.00 $ 84,184.20
Largest amount in any one hazard S 6,000.00
270 Document No. 10. [Session
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year $ 17,816.81
Net premiums received during
year $ 48,509.96
Increase in re-insurance fund__$ 1,876.63
Total net premiums earned $ 46,633.33
Interest, etc., received $ 3,448.86
Increase in accrued interest, etc., 1,355.46
Total interest earned 4,804.32
Total premiums and interest
earned $ 51,437.65
Net losses paid during year $ 14,184.12
Decrease in net unpaid losses 246.14
Total net losses incurred $ 13,937.98
Expenses paid $ 16,607.75
Total expenses incurred 16,607.75
Total losses and expenses in-
curred 31,019.07
Net gain for year $ 20,418.58
Carried to re-insurance reserve- 7,270.00
Dividends to policy-holders 7,228.57
Total dividends incurred for
year ._ $ 14,498.57
Increase in surplus for year $ 5,920.01
Surplus at end of year $ 23,736.82
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written $ 3,089,811.00
Gross premiums received 43,744.05
Re-insurance premiums 1,691.02
Losses paid 11,729.22
Losses incurred 11,665.48
Number of agents working in State during year, 100.
1903.] Document No. 10. 271
SOUTHERN INSURANCE COMPANY OF LOUISIANA.
Located at New Orleans, La. Incorporated 1882. Commenced Business 1882.
Ernest Miltenberger, President. Scott McGehee, Secretary.
Cash capital, $300,000.
Amount of net or ledger assets December 31, 1899 $ 478, 153.05
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 371,011.70 $ 5,684.26
Deduct re-insurance, rebate, abatement and return
premiums 94,666.01 264.56
Net cash received for premiums $ 276,345.69 $ 5,419.70
281,765.39
Interest received on collateral loans 408.34
Interest and dividends on stocks and bonds 7, 445. 00
Total income $ 289,618.73
Aggregate last balance and income $ 767, 771. 78
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 211,648.07 $ 3,108.66
Deduct salvage and re-insurance 11,306.82
Net cash paid for losses $ 200,341.25 $ 3,108.66
$ 203, 449. 91
Paid stockholders (interest or dividends) 23, 946. 00
Commissions or brokerage and allowances to agents 58, 250. 21
Salaries and fees of officers and employees 23,400.00
Taxes 15,303.60
Loss on sales or maturity — ledger assets 445. 82
All other expenditures 15, 479. 31
Total disbursements during the year $ 340,274.85
Balance December 31, 1900 $ 427, 496. 93
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned $ 35,000.00
Book value of stocks and bonds 346,377.00
Cash in company's office _ 3,098.90
Cash in bank 43,021.03
Total net or ledger assets $ 427,496.93
272 Document No. 10. [Session
OTHER ASSETS.
Market value of stocks and bonds over book value $ 1, 749. 50
Uncollected premiums 47 ) 113. 10
Total admitted assets $ 476, 359. 53
LIABILITIES.
Losses adjusted and unpaid $ 17,061.71
Losses in process of adjustment 9,593.75
Losses resisted 5,000.00
Net amount of unpaid losses, less re-insurance $ 30, 100. 82
Total unearned premiums 145,049.98
Unpaid dividends due stockholders 41(1 00
Return and re insurance premiums 1, 678. 93
Total liabilities $ 177, 245. 73
Cash capital 300,000.00
Total liabilities, including cash capital and net surplus $ 477, 245. 73
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year $ 21,883,717.00 $ 387,243.65
Written during year 21,013,770.00 359,277.42
Total $ 42,897,487.00 $ 746,521.07
Deduct those expired and marked off as terminated 27,071,555.00 426,719.59
In force at end of year $ 15,825,932.00 $ 319,801.48
Deduct amount re insured 1,784,342.0(1 31,618.29
Net amount in force at end of year $ 14,041,590.00 $ 288,183.19
Marine and
Inland. Premiums.
Written during year $ 1,550,951.00 $ 5,684.26
Total $ 1,550, 951.00 $ 5,684.26
Largest amount in any one hazard $ 5,000.00
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year Fraction Amount Premiums Premiums
Written. Term. Unearned. Covered. Charged. Unearned.
In 1900 1 year or less — One-half $ 8,342,727.00 $ 169,172.04 $ 84,586.02
In 1899 2 years One-fourth 106,563.00 2,135.41 533.85
In 1900 2 years Three-fourths 103,928.00 1,862.47 1,396.86
In 1898 3 years One-sixth 1,590,563.00 32, 182.90 5,363.81
In 1899 3 years One-half 1,870,591.00 40,195.77 20,1197.88
In 1900 3 years Five-sixths 1,552,484.00 33,404.94 27,837.45
In 1896 5 years One-tenth 21,650.00 570.10 57.01
In 1897 5 years Three-tenths 77,957.00 1,663.16 498.94
In 1898 5 years One-half 176,112.00 2,849.44 1,424.72
In 1899 5 years Seven-tenths 118,515.00 2,394.11 1,675.87
In 1900 5 years Nine-tenths 80,500.00 1,752.85 1,577.57
Totals $ 14,041,590.00 8 288,183.19 $ 145,049.98
1903.]
Document No. 10.
273
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year f 12 479.97
Net premiums received during
year S 281,705.39
Decrease in gross uncollected
premiums $ 11,734.28
Re-insurance fund 41,409.41 29,675.13
Total net premiums earned $ 311,4-10.52
Interest, etc., received $ 7,481.32
Increase in accrued interest, etc., 1,749.50
Total interest earned 9 230 82
Total premiums and interest
earned $ 320,671.34
Net losses paid during year 3 203,449.91
Decrease in net unpaid losses 5,631.99
Total net losses incurred $ 197,817.92
Expenses paid $ 112,001.10
Increase in unpaid expenses 158.49
Total expenses incurred 112 219.59
Total losses and expenses in-
curred 310,037.51
Net gain for year $ 10,633.83
Dividends to stockholders 23.945.00
Decrease in same tostockholders, $ 54.00
Total dividends incurred for
year 24,000.00
Decrease in surplus for year g 13 360.17
Deficit at end of year __$ 8g6 9(1
BUSINESS IX NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written f 599,026.00
Gross premiums received -^ gj-j 3 »
Losses paid 1 521. 72
Losses incurred ~"~~ . 6,'o53.'to
Number of agents working in State during year, 96.
18
274 Document No. 10. [Session
SPRINGFIELD P^IRE AND MARINE INSURANCE COM-
PANY OF MASSACHUSETTS.
Located at Springfield, Mass. Incorporated 1849. Commenced Business 1851.
A. W. Damon, President. \V. J. MacKay, Secretary.
Cash capital, $1, 500, 000.
Amount of net or ledger assets December 31, 1899 $ 3, 795, 014. 63
INCOME.
r. „ Marine and
r IRE. r
Inland.
Gross cash received for premiums $ 2,515, 105. 07 $_
Deduct re-insurance, rebate, abatement and re-
turn premiums 572,785.32
Net cash received for premiums $ 1,942,320.35 $.
1,942,320.35
Rents 4, 653.35
Interest received on mortgages 32,284.81
Interest received on collateral loans 1, 721. 35
Interest and dividends on stocks and bonds 148,441. 35
Profit on sale or maturity of ledger assets 2, 005. 63
Total income $ 2, 131,426.84
Aggregate last balance and income $ 5,926,441.47
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 1,335,234.30 $
Deduct salvage and re-insurance 192,527.10
Net cash paid for losses $ 1,142,707.20
1,142,707.20
Paid stockholders (interest or dividends) 150, 000. 00
Commissions or brokerage and allowances to agents 354, 910. 29
Salaries and fees of officers and employees 110, 745. 57
Taxes 92,282.18
Loss on sales or maturity — ledger assets 17, 265. 92
All other expenditures 213,817.51
Total disbursements during the year $ 2,081,728.67
Balance December 31, 1900 $ 3, 844, 712. SO
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned $ 83,066.64
Loans on mortgages 616,800.00
Loans on collaterals 40,525.00
Book value of stocks and bonds 2,891,678.77
Cash in company's office 13,179.70
Cash in bank 198,562.69
Total net or ledger assets $ 3,844,712.80
1903.]
Document No. 10.
275
OTHER ASSETS.
Rents and interest due and accrued $ 48, 420. 30
Market value of real estate over book value 41, 033. 36
Market value of stocks and bonds over book value 832, 015. 23
Uncollected premiums 313, 202. 07
Due from other companies 1, 939. 19
Total admitted assets $ 5,081,322.95
LIABILITIES.
Losses adjusted and unpaid - 63,667.72
Losses in process of adjustment 146,610.36
Losses resisted 20,350.94
Net amount of unpaid losses, less re-insurance $
Total unearned premiums
Total liabili ties s
Cash capital
Net surplus
Total liabilities, including cash capital and net surplus
192, 406. 75
1, 569, 772. 79
1,762,179.54
1,500,000.00
1,819,143.41
$ 5,081,322.95
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fibe Risks. Premiums.
In force at beginning of year $ 308,104,334.00 8 3,054,815.61
Written during year 230,949,609.00 2,543,613.63
Total 8 545,053,943.00 $ 5,59S,429.24
Deduct those expired and marked off as terminated 202,670,909.00 2,158,999.00
In force at end of year 8 342,383,034.00 § 3,439,430.24
Deduct amount re-insured 34,854,367.00 328,188.61
Net amount in force at end of year $ 307,528,667.00 S 3,111,241.63
Year
W BITTEN.
In 1900 1
In 1899 2
In 1900 2
In 1898 3
In 1899 3
In 1900 3
[D 1897 4
In 1898 4
In 1899 4
In 1900 4
In 1896 5
[d ! 397 5
Ih L898 5
In 1899 5
In 1900 5
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Fraction
Unearned.
Term.
year or less.—.One-half
years One-fourth
years Three-fourths.
years One-sixth
years One-half
years Five-sixths
years One-eighth
years Three-eighths
years Five-eighths
years Seven-eighths
years One-tenth
years Three tenths-
years One-half
years Seven-tenths.-.
years Nine-tenths...
Amount
Premiums
Premiums
< 'ovebe'd.
Charged.
Unearned.
121,903,923.00 8
1,378,539.58
S 684,269.79
877,420.00
5,911.13
1,477.78
853,603.00
7,606.61
5,704.95
41,126,306.00
337,526.21
56,254.37
1 1,480.00
327,324.89
103,662.44
38, 157,542.00
355,318.85
296,099.05
517,874.00
4,868.86
608.61
897,749.00
7,669.89
2,876.19
635, 164.00
5,515.28
3,447.05
562,350.00
5,783.21
5,060.30
11,392,204.00
126,772.12
12,677.21
11,434,037.00
120,069.73
37,820.91
12,864,987.00
131,038.70
65,819.35
13,287,995.00
138,160.40
96,712.30
13,823,733.00
152,53f-. 11
137,282.49
Totals 8 307,528,667.00 * 3,111,241.63 8 1,569,772.79
276
Document No. 10.
[Session
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year __ $ 1,085,092.34
Net premiums received during
year $ 1,942,320.35
Increase in gross uncollected
premiums $ 28,507.96
Increase in re-insurance fund_._ 93,188.52 64,080.56
Total net premiums earned $ 1,877,639.79
Interest, etc., received $ 185,622.19
Increase in accrued interest, etc., 159,217.99
Total interest earned 344,840.18
Total premiums and interest
earned $ 2,222,479.97
Net losses paid during year $ 1,142,707.20
Increase in net unpaid losses 19,743.22
Total net losses incurred $ 1,162,450.42
Expenses paid $ 770,276.88
Increase in unpaid expenses 5,701.60
Total expenses incurred 775,978.48
Total losses and expenses in-
curred 1,938,42S.90
Net gain for year $ 284,051.07
Dividends to stockholders 150,000.00
Total dividends incurred for
year 150,000.00
Increase in surplus for year $ 134,051.07
Surplus at end of year $ 1,819,143.41
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written g 1,102,906.00
Gross premiums received 10,898.28
Re-insurance premiums 981.48
Losses paid 3,911.86
Losses incurred 3,150.98
Number of agents working in State during year, 44.
1903.]
Document No. 10.
277
SUN INSURANCE OFFICE OF GREAT BRITAIN.
Located in U. S. at New York, N. Y.
Incorporated 1710. Commenced Business in TJ. S. 1882.
J. J. Guile, Manager.
Amount of net or ledger assets December 31, 1899 $ 2, 378, 253. 38
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 1,973,204.50 8
Deduct re-insurance, rebate, abatement and return
premiums 457,396.71
Net cash received for premiums S 1,515,867.79
Rents
Interest received on mortgages
Interest and dividends on stocks and bonds--
Interest and dividends from all other sources-
Profit on sale or maturity of ledger assets
Total income
Aggregate last balance and income
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 1,176,899.95 $
Deduct salvage and re-insurance 118,977.12
1,515,867.79
20, 316. 80
9, 080. 00
69, 685. 22
1, 402. 04
14, 162. 62
-$ 1,630,514.47
$ 4,008,767.85
Net cash paid for losses § 1,057,922.83
1,057,922.83
Commissions or brokerage and allowances to agents 401, 632. 77
Salaries and fees of officers and employees 94, 343.45
Taxes 53,941.13
Loss on sales or maturity— ledger assets 19, 961. 25
All other expenditures 59, 677. 72
Total disbursements during the year $ 1, 687, 479. 15
Balance December 31, 1900 $ 2,321,288.70
ASSETS
AS PER LEDGER ACCOUNTS.
Book value of real estate owned.
Loans on mortgages
Book value of stock and bonds _.
Ca9h in company's office
Cash in bank
Agents' debit balances
261,189.97
188,000.00
1,530,285.27
(125.27
197,029.15
147,232.62
$ 2,324,362.28
278 Document No. 10. [Session
Deduct agents' credit balances $ 3,073.58
$ 3, 073. 58
Total net or ledger assets $ 2,321,288. 70
OTHER ASSETS.
Rents and interest due and accrued 21, 113. 15
Market value of stocks and bonds over book value 125,424. 73
Uncollected premiums 79,824.94
Gross assets $ 2,547,651.52
Non-admitted assets —
Depreciation in book value of real estate, etc $ 11,189.97
Total deductions 1], 189.97
Total admitted assets $ 2,536,461.55
LIABILITIES.
Losses adjusted and unpaid $ 54,053.44
Losses in process of adjustment 163,721.00
Losses resisted 13,753.00
Net amount of unpaid losses, less re-insurance $ 194, 300. 16
Total unearned premiums 1, 347, 856. 63
Salaries, rents, etc., due and accrued 4,077.85
Return and re-insurance premiums 9, 706. 00
Total liabilities $ 1,555,940.64
Net surplus 980,520.91
Total liabilities, including cash capital and net surplus $ 2, 536, 461. 55
MISCELLANEOUS.
EISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year 8 327,457,988.00 $ 2,790,425.97
Written during year 207,438,897.00 1,960,372.25
Total $ 534,896,885.00 $ 4,750,798.22
Deduct those expired and marked off as terminated 198,585,962.00 1,855,252.46
In force at end of year $ 336,310,923.00 $ 2,895,545.76
Deduct amount re-insured 24,350,942.00 183,325.29
Net amount in force at end of year $ 311,959,981.00 $ 2,712,220.47
Largest amount in any one hazard $ 75,000.00
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year Fraction Amount Premiums Premiums
Written. Term. Unearned. Covered. Charged. Unearned.
In 1900 1 year or less— One-half $ 97,730,809.00 $ 1,048,744.90 $ 524,372.45
In 1898 3 years One-sixth 56,737,409.00 380,568.41 63,428.07
In 1899 3 years Three-sixths 44,116,612.00 313,444.37 156,722.18
In 1900 3 years Five-sixths 43,566,105.00 320,273.68 266,894.74
In 1896 5 years One-tenth 10,854,163.00 104,565.37 10,456.53
In 1897 5 years Three-tenths 14,016,975.00 129,855.05 38,956.51
In 1898 5 years Five-tenths 17, 895, 233. on 152,337.92 76,168.96
In 1899 5 years Seven-tenths 13,673,333.00 125,727.87 88,009.51
In 1900 5 years Nine-tenths 13,285,042.00 135,861.20 122,275.08
1903.] Document No. 10. 279
In 1899 6 years.. -Nine-twelfths $ 5,000.00 - 75.00 $ 56.25
In 1897 7 years Seven-fourteenths
In 1S98 7 years Nine-fourteenths
In 1899 7 years Eleven-fourteenths
In 1900 7 years Thirteen-fourteenths
In 1S92 10 years Three-twentieths
In 1897 10 years Thirteen-twentieths
In 1898 10 years Fifteen-twentieths
In 1899 10 years Seventeen-twentieth?...
In 1900 10 vears Nineteen-twentieths
1,000.00
10.00
5.00
25,500.00
296.25
190.44
9,000.00
45.75
35.94
1,200.00
24.00
22.28
115,200.00
86.00
12.90
1,000.00
15.00
9.75
19,000.00
172.00
129.00
1,400. nn
7.70
6.54
5,000.00
110.00
104.50
Totals $311,959,981.00 g 2,712,220.47 $ 1,347,856.63
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year $ 1,010,142.55
Net premiums received during
year $ 1,515,867.79
Decrease in gross uncollected
premiums $ 21,359.76
Increase in re-insurance fund __ 2,352.18 23,711.94
Total net premiums earned
Interest, etc., received
Increase in accrued interest, etc.
Total interest earned
Total premiums and interest
earned
Net losses paid during year
Decrease in net unpaid losses
Total net losses incurred
Expenses paid
Decrease in unpaid expenses..
Total expenses incurred
Total losses and expenses in-
curred
Net loss for year
Remitted to home office during
year —
9
91,394.02
41,732.87
1,057,922.83
3,522.53
5
1,492,155.85
133,126.89
$
t
S
1,054,400.30
507,421.04
1 025 282 74
$
■$
597,421.99
.95
1,651,821.34
9
26,5:; -.m'
3,083.04
Decrease in surplus for year 8 29,621.64
Surplus at end of year $ 980,520.91
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written $ 869,809.00
Gross premiums received : 8,589.99
Losses paid 4,751.22
Losses incurred 4,057.95
280 Document No. 10. [Session
SUN INSURANCE COMPANY OF LOUISIANA.
Located at New Orleans, La. Incorporated 1855. Commenced Business 1856.
Charles Janvier, President. Fergus G. Lee, Secretary.
Cash capital, $500,000.
Amount of net or ledger assets December 31, 1899 $ 1, 061, 712. 52
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 004,741.47 $ 33,418.58
Deduct re-insurance, rebate, abatement and return
premiums 223,297.83 10,916.70
Net cash received for premiums $ 381,443.64 8 22,501.88
403, 945. 52
Rents 3,291.76
Interest received on mortgages 22. 50
Interest and dividends on stocks and bonds 36, 314. 00
Interest and dividends from all other sources 191.98
Profit on sale or maturity of ledger assets 943. 25
From all other sources 4, 900. 94
Total income $ 449,609.94
Aggregate last balance and income $ 1,511, 322. 48
DISBURSEMENTS.
Marine and
Fiee. Inland.
Gross cash paid for losses $ 299,0S5.43 § 7,297.51
Deduct salvage and re-insurance 55,588.34 35.68
Net cash paid for losses $ 244, 0:17.0:1 $ 7,261.83
251,358.92
Paid stockholders (interest or dividends) 61,752.50
Commissions or brokerage and allowances to agents 65, 986. 07
Salaries and fees of officers and employees 23, 350. 73
Taxes 20,856.65
Loss on sales or maturity — ledger assets 441. 14
All other expenditures 53 459. 84
Total disbursements during the year $ 477, 205. 85
Balance December 31, 1900 $ 1,034, 116. 63
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned $ 35,000.00
Book value of stocks and bonds 978,155.00
Cash in company's office 725.10
Cash in bank 20,236.53
Total net or ledger assets $ 1,034, 116. 63
1903.] Document No. 10. 281
OTHER ASSETS.
Market value of stocks and bonds over book value § 13, 559. 00
Uncollected premiums 53, 972. 59
Total admitted assets $ 1,100,648.22
LIABILITIES.
Losses adjusted and unpaid S 11,752.00
Losses in process of adjustment 37,784.15
Losses resisted '-', 431.00
Net amount of unpaid losses, less re-insurance $ 40,869.26
Total unearned premiums ' 241,736.46
Unpaid dividends due stockholders 1, 182. 50
Return and re-insurance premiums 2, 141. 99
Total liabilities § 285,930.21
Cash capital 500,000.00
Net surplus 314,718.01
Total liabilities, including cash capital and net surplus $ 1, 100, 648. 22
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year $ 38,001,457.34 $ 564,493.70
Written during year 40,755,5(58.16 600,945.10
Total S 79,657,025.50 $ 1,165,438.80
Deduct those expired and marked oft as terminated 39,550,740.45 547,022.79
In force at end of year S 40,100,2S5.05 $ els, 416.01
Deduct amount re-insured 9,861,501.57 140,076.05
Net amount in force at end of year $ 30,244,783.48 $ 478,339.96
Largest amount in any one hazard S 50,000.00
Marine and
Inland. Premiums.
Written during year 8 9,150,753.00 $ 34,809. lo
Total $ 9,150,753.00 $ 34,869.10
Deduct those expired and marked oft 'as terminated 9,150,753.00 34,869.10
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year Fraction Amount Premiums Premiums
Written. Term. Unearned. Covered. Charged. Unearned.
In 19<xt 1 year or less One-half $ 21,468,035.95 $ 328,110.31 8 164,055.15
In 1899 2 years One-fourth 46,194.67 756.08
In 1900 2 years Three-fourths 119,125.00 1,526.83 1,145.10
In 1898 3 years One-sixth 2,709,820.51 42,279.46 7,046.57
In 1899 3 years One-half 2,219,735.53 37,964.14 18,982.06
In 1900 3 years Five-sixths 2,480,785. If, 45,109.45 37,591.21
In 1897 4 years One-eighth 21,541.00 356.45 44.55
Fnl898 4 years Three-eighths 15,000.00 142.14 iO
In 1899 4 years Five-eighths 0.00 53.54
In 19(Xi 4 years Seven-eighths — 14,693.00 157.47 137.79
In 1896 5 years .1 One-tenth 101,406.00 2,80! 280.97
282 Document No. 10. [Session
•
In 1S97 5 years Three-tenths $ 195,711.00 $ 3,546.52 8 1,003.95
In 189S 5 years One-half 217,023.00 4,785.22 2,392.61
In 1899 5 years Seven-tenths 317,325.66 4,844.38 3,391.03
In 1900 5 years Nine-tenths 287,587.00 5,866.12 5,309.61
Totals $ 30,244,783.48 $ 478,339.96 $ 241,736.46
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year $ 310 910.02
Net premiums received during
year $ 403,945.52
Increase in gross uncollected
premiums $ 1,229.10
Increase in re-insurance fund___ 12,162.34 10,933.24
Total net premiums earned $ 393,012.28
Interest, etc., received $ 34,357.45
Increase in accrued interest, etc., 10,224.23
Total interest earned 44,581.68
Total premiums and interest
earned $ 437,593.96
Net losses paid during year $ 251 ,358.92
Decrease in net unpaid losses___ 15,958.40
Total net losses incurred $ 235,400.52
Expenses paid : $ 154,021.07
Decrease in unpaid expenses 5,635.62
Total expenses incurred 148,385.45
Total losses and expenses in-
curred 383,785.97
Net loss for year $ 53,807.99
Dividends to stockholders 61,752.50
Decrease insametostockholders, $ 11,752.50
Total dividends incurred for
year 50,000.00
Increase in surplus for year $ 3,807.99
Surplus at end of year $ 314,718.01
1903.] Document No. 10. 283
SVEA FIRE AND LIFE INSURANCE COMPANY OF
SWEDEN.
Located in U. S. at New York, N. Y.
Weed & Kennedy, U. S. Managers.
Deposit capital, $200, 000.
Amount of net or ledger assets December 31, 1899 $ 580,725.98
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ (589,0(54.78 $_
Deduct re-insurance, rebate, abatement and return
premiums 199,038.11 __
Net cash received for premiums $ 490,026.67 S_
490, 026. 67
Interest and dividends on stocks and bonds 16, 287. 58
Interest and dividends from all other sources 692. 96
Profit on sale or maturity of ledger assets 7, 051. 57
Received from home office 70,000.00
Total income S 584,058. 78
Aggregate last balance and income $ 1, 164, 784. 76
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 394,289.44 $.
Deduct salvage and re-insurance 58,010.33 __
Net cash paid for losses $ 335,(579.11 $-
335,679.11
Remitted to home office 15, 931. 24
Commissions or brokerage and allowances to agents 160, 126. 69
Salaries and fees of officers and employees 900. 00
Taxes - - 17, 354. 78
All other expenditures 9, 367. 91
Total disbursements during the year $ 539, 359. 73
Balance December 31, 1900 $ 625, 425. 03
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of stocks and bonds | 521,248.74
Cash in company's office 1,328.26
Cash in bank 84, 81s. 81
Bills receivable 20,200.89
$ 633, 602. 72
Deduct agents' credit balances $ 8,177.70
8, 177. 70
Total net or ledger assets $ 625,425.03
284 Document No. 10. [Session
OTHER ASSETS.
Rents and interest due and accrued $ 4, 397. 91
Market value of real estate over book value 138. 76
Uncollected premiums 81, 032. 85
Total admitted assets — $ 710,994.55
LIABILITIES.
Losses adjusted and unpaid $ 14,799.58
Losses iu process of adjustment 20,237.91
Losses resisted 8,313.00
Net amount of unpaid losses, less re-insurance $ 47, 022. 55
Total unearned premiums 327, 824. 79
Commissions due agents and brokers 5, 735. 11
Salaries, rents, etc., due and accrued 317.08
Return and re-insurance premiums 13, 595. 78
All other liabilities 314. 10
Total liabilities $ 394,809.41
Net surplus 316, 185. 14
Total liabilities, including cash capital and net surplus $ 710,994. 55
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year $ 41,197,652.00 $ 582,778.75
Written during year 48,143,248.00 705,876.27
Total $ 92,340,900.00 $ 1,288,655.02
Deduct those expired and marked off as terminated 45,100,047.00 611,950.92
In force at end of year $ 47,240,853.00 $ 676,704.10
Deduct amount re-insured 3,229,466.00 50,268.57
Net amount in force at end of year $ 44,011,387.00 $ 626,435.53
Largest amount in any one hazard $ 30,000.00
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year. Fraction Amount Premiums Premiums
Written. Term. Unearned. Covered. Charged. Unearned.
In 1900 lyearorless__One-half $ 26, 401,529. 00 $ 379,763.31 $ 189,881.66
In 1899 2 years One-fourth 102,418.00 882.05 220.51
In 1900 2 years Three-fourths 290,599.00 3,532.89 2,049.67
In 1898 3 years One-sixth 4,150,605.00 53,404.11 8,900.69
In 1899 3 years One-half—.. 3,294,383.00 45,039.15 22,519.57
In 1900 3 years Five sixths 4,988,921.01) 81,140.87 07,617.37
In 1897 4 years One-eighth 109,600.00 879.53 109.94
In 1898 4 years Three-eighths 113,125.00 1,378.20 516.83
In 1899 4 years Five-eighths 16,500.00 328.33 205.20
In 1900 4>ears Seven eighths 159,985.00 1,735.69 1,518.73
In 1X90 5 years One-tenth 581,575.00 7,341.14 734.11
In 1897 5 years Three-tenths 816,697.00 9,758.27 2,927.48
In 1898 5 years One-half 941,508.00 11,709.08 5,854.54
In 1899 5 years Seven-tenths 880,617.00 12,100.63 8,470.44
In 1900 5 years Nine-tenths 1,103,253.00 17,442.28 15,698.05
Totals $ 44,011,387.00 * 626,345.52 $ 327,824.70
1903.] Document No. 10. 285
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year 3 316,143.42
Net premiums received during
year S 400,026.67
Increase in gross uncollected
premiums $ 21,965.63
Increase in re-insurance fund— 59,716.51 37,750.88
Total net premiums earned S 452,275.79
Interest, etc., received $ 16,980.54
Increase in accrued interest, etc., 2,453.16
Total interest earned 19,433.70
Total premiums and interest
earned I 471,709.49
Net losses paid during year $ 335,679.11
Decrease in net unpaid losses 6,133.38
Total net losses incurred S 329,545.73
Expenses paid $ 187,749.38
Increase in unpaid expenses 8,441.42
Total expenses incurred 196,190.80
Total losses and expenses in-
curred 525,736.53
Net loss for year 8 54,027.04
Received from home office during
year 8 70,000.00
Remitted to home office during
year 15,931.24
Net received from home office
during year v 54,068.76
Increase in surplus for year 8 41.72
Surplus at end of year S 316,185.14
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written $ 65,766.00
Gross premiums received 1,235.23
286 Document No. 10. [Session
TEUTONIA INSURANCE COMPANY OF LOUISIANA.
Located at New Orleans, La. Incorporated 1871. Commenced Business 1871.
Albert P. Noll, President. George Meyer, Secretary.
Cash capital, $250,000.
Amount of net or ledger assets December 31, 1899 $ 661, 059. 66
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 648,437.32 $ 34,035.02
Deduct re-insurance, rebate, abatement and re-
turn premiums 243,715.17 7,473.50
Net. cash received for premiums $ 444,722.15 $ 26,561.52
471,283.67
Interest and dividends on stocks and bonds 20, 982. 76
Total income $ 492, 266. 43
Aggregate last balance and income $ 1, 153, 326.09
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 335,705.10 $ 11,545.77
Deduct salvage and re-insurance 40,005.31
Net cash paid for losses 8 295,789.79 $ 11,545.77
307, 335. 56
Paid stockholders (interest or dividends) 25, 335. 00
Commissions or brokerage and allowances to agents 114, 618. 15
Salaries and fees of officers and employees 20, 850. 00
Taxes 19,642.00
All other expenditures 25, 470. 07
Total disbursements during the year $ 513, 250. 78
Balance December 31, 1900 $ 640, 075. 31
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned $ 40,000.00
Book value of stocks and bonds 568,030.00
Cash in company's office 303.33
Cash in bank 31,741.98
Total net or ledger assets $ 640, 075. 31
1903.] Document No. 10. 287
OTHER ASSETS.
Market value of stocks and bonds over book value $ 5, 135.00
Uncollected premiums 76, 000. 32
Total admitted assets $ 721,210.63
LIABILITIES.
Losses adjusted and unpaid 8 28,156.81
Net amount of unpaid losses $ 28, 156. 81
Total unearned premiums 235,355.16
Unpaid dividends due policy-holders 13, 150.00
Commissions due agents and brokers 4, 000. 00
Total liabilities 8 280,661.97
Cash capital 250,000.00
Net surplus 190,548.66
Total liabilities, including cash capital and net surplus $ 721,210.63
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year 1 32,283,438.00 - 482,678.94
Written during year 40,501,250.00 657,153.42
Total $ 72,784,688.00 $ 1,139,832.36
Deduct those expired and marked off as terminated 33,174,255.00 622,234.94
In force at end of year $ 30,610,433.00 $ 517,597.42
Deduct amount re-insured 6,423,040.00 75,626.60
Net amount in force at end of year $ 33,187,393.00 $ 441,970.82
Largest amount in any one hazard $ 50,000.00
Marine and r>
Inland. Premiums.
Written during year $ 5,682,524.00 8 34,311.07
Total $ 5,682,524.00 8 34,311.07
Deduct those marked off as cancelled 5,682,524.00 34,311.07
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year Fraction Amount Premiums Premiums
Written. Term. Unearned. Covered. Charged. Unearned.
In 1900 lyearorless One-half S 26,006,987.00 $ 337,513.97 8 168,756.98
In 1898 3 years One-sixth 800,455.00 15,404.55 2,567.41
In 1899 3 years One-half 2,047,863.00 32,319.39 16,659.69
In 1900 3 years Five-sixths 3,785,632.00 50,134.25 41,778.50
In 1898 5 years One-half 14,763.00 159.10 79.55
In 1899 5 years Seven-tenths inn, 741. 00 1,413.20 989.31
In 1900 5 years Nine-tenths 430,952.00 5,026.36 4,523.72
Totals S 33,187,393.00 8 441,970.82 S 235,355.16
288 Document No. 10. [Session
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year $ 221,314.12
Net premiums received during
year $ 471,283.67
Increase in gross uncollected
premiums $ 9,005.05
Increase in re-insurance fund 7,322.35 10,415.40
Total net premiums earned $ 454.868.27
Interest, etc., received $ 20,982.76
Increase in accrued interest, etc., 5,135.00
Total interest earned 26,117.76
Total premiums and interest
earned $ 480,986.03
Net losses paid during year $ 292, 200.. 50
Increase in net unpaid losses 13,021.81
Total net losses incurred $ 305,222.37
Expenses paid 8 180,580.22
Increase in unpaid expenses 948.90
Total expenses incurred 181,529.12
Total losses and expenses in-
curred 486,751.49
Net loss for year $ 5,765.40
Dividends to stockholders 25,000.00
Total dividends incurred foryear, 25,000.00
Increase in surplus for year $ 30,705.40
Surplus at end of year $ 190,548.00
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written § 574,958.00
Gross premiums received 10, 186.27
Losses paid 7,453.25
Losses incurred 7,453.25
Number of agents working in Slate during year, 78.
1903.] Dccument No. 10. 289
TRADERS INSURANCE COMPANY OF ILLINOIS.
Located at Chicago, 111. Incorporated 1865. Commenced Busine.s 1872.
E. Buckingham, President. S. A. Rothermel, Secretary.
Cash capital, $500,000.
Amount of net or ledger assets December 31, 1899 $ 1, 824, 508. 56
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums 9 1,401,297.71 $
Deduct re-insurance, rebate, abatement and re-
turn premiums 312,680.65
Neteash received for premiums 8 1,088,617.06 S
1,088,617.06
Rents 1,212.87
Interest received on mortgages 14,323.06
Interest received on collateral loans 386. 86
Interest and dividends on stocks and bonds 78, 813. 22
Interest and dividends from all other sources 463. 40
Profit on sale or maturity of ledger assets 54, 693. 75
Total income $ 1,239,510.22
Aggregate last balance and income 1 3, 064, 018. 78
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses S 776,344.35 8
Deduct salvage and reinsurance lis, mis. 03
Net cash paid for losses ? 658,336.32 $.
658, 336. 32
Paid stockholders (interest or dividends) 50, 000. 00
Commissions or brokerage and allowances to agents 239, 243. 85
Salaries and fees of officers and employees 73, 928. 89
Taxes 42, 538. 49
All other expenditures 64, 510. 27
Total disbursements during the year $ 1, 128,557.82
Balance December 31, 1900 $ 1,935,460.96
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned $ 15,746.17
Loans on mortgages 176,850.00
Loans on collaterals 21,000.00
Book value of stocks and bonds 1,581,504.15
Cash in company's office 770.16
Cash in bank 104,116.33
Allother 15,975.24
19 $ 1,945,962.05
290 Document No. 10. [Session
Deduct ledger liabilities $ 10,501.09
$ 10,501.09
Total net or ledger assets $ 1,935,460.96
OTHER ASSETS.
Rents and interest due and accrued 10, 913. 15
Market value of stocks and bonds over book value 324, 255. 25
Uncollected premiums 135, 354. 78
Total admitted assets $ 2,405,984. 14
LIABILITIES.
•
Losses adjusted and unpaid $ 37,187.13
Losses in process of adjustment 77,104.10
Losses resisted 11,435.00
Net amount of unpaid losses, less re-insurance $ 106, 798. 03
Total unearned premiums 787, 288. 05
Total liabilities $ 894,086.08
Cash capital 500,000. 00
Net surplus 1,011,898.06
Total liabilities, including cash capital and net surplus $ 2, 405, 984. 14
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year $ 115,540,592.00 $ 1,312,577.70
Written during year 116,075,063.00 1,445,094.26
Total $ 231,015,655.00 $ 2,757,671.96
Deduct those marked off as terminated 106,617,545.00 1,158,206.19
In force at end of year $ 124,998,110.00 $ 1,599,405.77
Deduct amount re-insured 8,926,503.00 112,100.78
Net amount in force at end of year $ 116,071, G07. 00 $ 1,487,364.99
Largest amount in any one hazard 8 25,000.00
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year Fraction
Written. Term. Unearned.
In 1900 1 year or less One-half $ 61,946,611.00 |
In 1899 2 years One-fourth
In 1900 2 years Three-fourths
In 1898 3 years One-sixth
In 1899 3 years One-half 10,919,159.00
In 1900 3 years Five-sixths
In 1897 4 years One-eighth
In 1898 4 years Three-eighths
In 1899 4 years Five-eighths
In 1900 4 years Seven-eighths
In 1896 5 years One-tenth
In 1897 5 years Three-tenths
In 1898 5 years One-half
In 1899 5 years Seven-tenths
In 1900 5 years Nine- tenths
Amount
Premiums
Premiums
Covered.
Charged.
Unearned.
61,946,611.00 $
824,855.38 $
412,427.69
433,476.00
4,088.00
1,022.00
524,296.00
0,495.77
4,871.83
9,671,218.00
111,674.84
18,012.47
10,919,159.00
131,543.49
05,771.75
15,648,789.00
184,137.28
153,447.70
427,800.00
3,771.61
471.45
583,420.00
4,779.53
1,792.32
638,641.00
5,286.03
3,303.75
858,400.00
7,629.47
6,675.76
1,607,647.00
25,841.82
2,584.18
2,287,110.00
33,195.23
9,958.56
2,600,104.00
35,884.11
17,942.05
3,389,017.00
44,788.14
31,351.67
4,535,913.00
63,394.29
57,054.87
Totals 1116,071,007.00 $ 1,487,364.99 $ 787,288.05
1903.] Document No. 10. 291
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year $ 1,021,509.42
Net premiums received during
year $ 1,088,617.06
Increase in gross uncollected pre-
miums S 43,806.20
Increase in re-insurance fund 15%460.12 111,653.92
Total net premiums earned $ 976,963.14
Interest, etc., received $ 95,398.53
Increase in accrued interest, etc. 50,445.18
Total interest earned 145,843.71
Total premiums and interest
earned $ 1,122,806.85
Net losses paid during year $ 658,336.32
Increase in net unpaid losses 857.70
Total net losses incurred $ 659,194.02
Expenses paid $ 418,891.97
Increase in unpaid expenses 4,332.22
Total expenses incurred 423,224,19
Total losses and expenses in-
curred 1,082,418.21
Net gain for year $ 40,388.64
Dividends to stockholders 50,000.00
Total dividends incurred for year, 50,000.00
Decrease in surplus for year $ 9,611.36
Surplus at end of year $ 1,011,898.06
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written , $ 865,069.00
Gross premiums received 15,405.47
Losses paid 6,936.06
Losses incurred 7,716.68
Number of agents working in State during year, 40.
292 Document No. 10. [Session
UNDERWRITERS OF GREENSBORO INSURANCE COM-
PANY OF NORTH CAROLINA.
Located at Greensboro, N. C. Incorporated 1897. Commenced Business 1898.
J. Van Lindley, President. A. W. McAlister, Secretary.
Cash capita], $37, 500.
Amount of net or ledger assets December 31, 1899 $ 89,019.41
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 19,026.05 $_
Deduct re-insurance, rebate, abatement and return
premiums 1,155.64 __
Net cash received for premiums $ 17,870.41 $_
17, 870. 41
Interest received on mortgages 1,774.02
Interest and dividends on stocks and bonds 1, 049. 00
From all other sources 641. 71
Total income $ 21,335.14
Aggregate last balance and income $ 110, 354. 55
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 6,750.59 $
6, 750. 59
Paid stockholders (interest or dividends) 2, 220. 00
Commissions or brokerage and allowances to agents 6, 164. 25
Paid policy-holders (interest or dividends) 1, 363. 84
All other expenditures 711. 93
Total disbursements during the year $ 17, 210. 61
Balance December 31, 1900 $ 93,143.94
ASSETS.
AS PER LEDGER ACCOUNTS.
Loans on mortgages $ 24,900.00
Loans on collaterals 10,000.00
Book value of stocks and bonds 12,375.00
Cash in company's office 172.64
Cash in bank 4,703.21
All other 2,961.93
$ 55, 112. 78
Deduct agents' credit balances $ 17.84
17.84
Total net or ledger assets $ 55,094.94
1903.] Document No. 10. 293
OTHER ASSETS.
Rents and interest due and accrued $ 1, 049.00
Total admitted assets $ 56,143.94
LIABILITIES.
Total unearned premiums $ 9,340.15
Unpaid dividends due stockholders 30.00
Unpaid dividends due policy-holders 1,065.42
Total liabilities $ 10, 435. 57
Cash capital 37,500.00
Net surplus 7,708.37
Total liabilities, including cash capital and net surplus $ 55, 643. 94
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year $ 1,103,634.00 $ 18,298.84
Written during year 1,190,276.00 18,839.71
Total $ 2,293,910.00 $ 37,138.55
Deduct those expired and marked off as terminated 673,631.00 10,192.89
In force at end of year $ 1,620,279.00 $ 26,945.66
Deduct amount re-insured 62,550.00 941.90
Net amount in force at end of year $ 1,557,729.00 $ 26,003.76
Largest amount in any one hazard $ 6,000.00
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Net premiums received during
vear .. .
8
17,870.41
Premiums (re-insurance) $
642.
40
642.40
Re-insurance fund
Total net premiums earned
S
17,228.01
Interest, etc., received _ $
2,550.
34
Increase in accrued interest, etc.
272,
,68
Miscellaneous gains
641.
71
3,464.73
Total interest earned
Total premiums and interest
earned __ _ . _
$
20,692.74
Net losses paid during year $
6,750,
.59
$
6,750.59
Total net losses incurred
Expenses paid ... _$
6,164
.25
6,164.25
Total expenses incurred.
Total losses and expenses in-
curred ... - -
12,984.37
Ni.'t i?ain for year „ _
$
7,708.37
Dividends to stockholders _
2,250.00
Dividends to policy-holders
2,638.87
Carried to re-insurance reserve-
2,819.50
Total dividends incurred for year
$
7,708.37
294 Document No. 10. [Session
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written $ 1,190,276.00
Gross premiums received 17,870.41
Re-insurance premiums 642.40
Losses paid 6,750.59
Losses incurred 6,750.59
Number of agents working in State during year, 95.
UNITED STATES FIRE INSURANCE COMPANY OF
NEW YORK.
Located at New York, N. Y. Incorporated 1824. Commenced Business 1824.
"W. W. Underbill, President. S. M. Craft, Secretary.
Cash capital, $250, 000.
Amount of net or ledger assets December 31, 1899 $ 576, 066. 77
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 446,879.86 $ 40,756.82
Deduct re-insurance, rebate, abatement and re-
turn premiums 128,768.21 7,287.59
Net cash received for premiums $ 318,111.65 $ 33,469.23
^= = oOl, OoO. oo
Rents 642.06
Interest received on mortgages 8, 123. 39
Interest and dividends on stocks and bonds 17, 180. 30
Profit on sale or maturity of ledger assets 52, 537. 57
From all other sources 138. 29
Total income $ 430,202.49
Aggregate last balance and income $ 1, 006, 269. 26
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses I 199,750.97 S 22,237.47
Deduct salvage and re-insurance 31,927.09 5,501.15
Net cash paid for losses $ 167,823.88 $ 16,736.15
Paid stockholders (interest or dividends) 20, 000. 00
Commissions or brokerage and allowances to agents 93, 682. 27
Salaries and fees of officers and employees 25, 071. 67
Taxes 10,628.04
Loss on sales or maturity — ledger assets 625.00
All other expenditures 37,088.42
Total disbursements during the year $ 371,655.60
Balance December 31, 1900 $ 634, 613. 66
1903.] Document No. 10. 295
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned $ 45,327.21
Loans on mortgages 309,200.00
Book value of stocks and bonds 259,031.75
Cash in company's office 6,138.04
Cash in bank 14,916.66
All other 10-00
Total net or ledger assets $ 634, 623. 66
OTHER ASSETS.
Eents and interest due and accrued 2, 477. 57
Market value of real estate over book value 672. 79
Market value of stocks and bonds over book value 9, 139. 50
Uncollected premiums "•">, 994. 17
Total admitted assets $ 722,907.69
LIABILITIES.
Losses adjusted and unpaid 3 8,256.79
Losses in process of adjustment 37,537.68
Losses resisted 5,563. 18
Net amount of unpaid losses, less re-insurance $ 45, 946. 53
Total unearned premiums ' 276,382.17
Salaries, rents, etc., due and accrued 1, 166.00
Return and re-insurance premiums 25, 313. 10
Total liabilities---- $ 348,807.80
Cash capital 250,000.00
Net surplus 124, 099. 89
Total liabilities, including cash capital and net surplus 8 722, 907. 69
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year 8 43,084,595.00 $ 441,281.85
Written during year 43,864,763.00 465,457.79
Total S 86,949,:' .739.64
Deduct those expired and marked off as terminated 33,384,819.00 366,320.74
In force at end of year S 53,564,539.00 8 540,418.90
Deduct amount re-insured 5,947,352.00 67,219.55
Net amount in force at end of year S 47,6J7, 187.00 3 473,199.35
Marine and
Inland. Premiums.
In force at beginning of year $ 1,226,092.00 8 32,259.71
Written during year 2,204,145.00 10,722.98
Total 8 3,430,237.0 I - 72,982.69
Deduct those expired and marked off as terminated 2,347,729.00 40,927.13
In force at end of year 8 1,082,508.00 - 32,055.56
Deduct amount re-insured 4,500.00 215.00
Net amount in force at end of year ft 1,078,008.00 $ 31,840.56
296
Document No. 10.
[Session
RECAPITULATION* OF FIKE RISKS AND PREMIUMS.
Year
Written.
In 1900 1
In 1899 2
In 1900 2
In 1898 3
In 1899 3
In 1900 3
In 1897 4
In 1898 4
In 1899 4
In 1900 4
In 1896 5
In 1837 5
In 1898 5
In 1899 5
In 1900 5
Fraction Amount
Term. Unearned. Covered.
year or less One-half S 22,579, 944. 00
years One- fourth 111,300.00
years Three-fourths ._ 36,850.00
years One-sixth 5,687,850.00
years One-half 6,10(1,409.00
years Five-sixths 7,787,557.00
years One-eighth 38,000.00
years Three-eighths.. 39,300.00
years Five-eighths 21,400.00
years Seven-eighths 40,200.00
years One-tenth 857,737.00
years Three-tenths 836,156.00
years One-half 1,045,647.00
years Seven-tenths .__ 1,059,367.00
years Nine-tenths 1,315,470.00
Totals $ 47,617,ls7jm
Premiums
Charged.
237,547.35 $
1,101.26
412.05
52,777.59
55,711.97
64,897.27
290.75
323.83
165.79
413.29
8,747.34
9,181.34
11,872.01
12,578.15
17,159.36
473,199.35 $
Premiums
Unearned.
118,773.67
275.31
309.04
8,796.26
27,855.98
54,081.06
36.34
121.44
103.62
361.63
874.73
2,754.40
5,936.00
8,818.71
15,443.42
244,541.61
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year.
Net premiums received during
year
Increase in gross uncollected
premiums $
Increase in re-insurance fund _.
Total net premiums earned
Interest, etc., received $
Increase in accrued interest, etc.,
Total interest earned
Total premiums and interest
earned
Net losses paid during year $
Increase in net unpaid losses
Total net losses incurred
Expenses paid
Increase in unpaid expenses
Total expenses incurred
Total losses and expenses in-
curred
Net loss for year
Dividend-; to stockholders
Total dividends incurred for year,
Decrease in surplus for year
Surplus at end of year
11,682.76
63,379.02
$ 351,580.88
51,696.26
■J 1.505. 88
2,344.77
181,560.20
6,673.46
164,892.24
1 299 93
299,884.62
26,850.65
191,233.66
166,114.47
326,735.27
357,348.13
30,612.86
20,000.00
20,000.00
50,612.86
174,712.75
124,099.89
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Gross ri>ks written $
Gross premiums received
Re-insurance premiums
Losses paid
Losses incurred
Fire Risks.
1,077,574.00
15,518.23
1,618.63
6,888.39
8,431.97
1903.] Document No. 10. 297
UNION ASSURANCE SOCIETY OF GREAT BRITAIN.
Located in U. S. at New York, N. Y.
Incorporated 1714. Commenced Business in U. S. 1891.
Hall & Henshaw, U. S. Managers.
Amount of net or ledger assets December 31, 1899 $ 1,293,911.46
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 1,575,336.78 $
Deduct re-insurance, rebate, abatement and return
premiums 437,829.78
Net cash received for premiums $ 1,137,507.00 S-
1, 137,507.00
Eents 8,924.02
Interest and dividends on stocks and bonds--! 36, 866. 00
Interest and dividends from all other sources 580.18
Cash from home office 159,655.00
Total income § 1,343,532.20
Aggregate last balance and income $ 2,637,443.66
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses S 903,235.50 S
Deduct salvage and re-insurance 101,751.98
Net cash paid for losses 8 801,483.52 $.
801,483.52
Commissions or brokerage and allowances to agents 288, 373. 30
Salaries and fees of officers and employees 31, 104. 12
Taxes 39,443.06
Cash to home office 50,952.68
All other expenditures 56, 086. 07
Total disbursements during the year $ 1, 267, 742. 75
Balance December 31, 1900 $ 1,370,000.91
ASSETS.
, AS PER LEDGER ACCOUNTS.
Book value of real estate owned S 190,973.19
Book value of stocks and bonds 1,057,331.50
Ca*h in company's office J3.83
Cash in bank 102,772.39
Total net or ledger assets $ 1,370,000.91
298
Document No. 10.
[Session
OTHER ASSETS.
Rents and interest due and accrued
Market value of real estate over book value
Market value of stocks and bonds over book value-
Uncollected premiums
9, 919. 76
9, 026. 81
71,038.50
156, 260. 16
Total admitted assets $ 1,616,246.14
LIABILITIES.
Losses adjusted and unpaid $ 74,2(13.65
Losses in process of adjustment 110,(196.30
Losses resisted 13,450.00
Net amount of unpaid losses, less re-insurance $
Total unearned premiums
Return and re-insurance premiums .
Total liabilities $
Net surplus
Total liabilities, including cash capital and net surplus---
.$ 187, 833. 30
697, 292. 93
10, 809. 63
.$ 891, 935. 86
724,310.28
-$ 1,616,246.14
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year $ 127,488,225.00 $ 1,320,343.68
Written during year 153,776,508.00 1,578,110.32
Total $ 281,264,733.00 $ 2,898,454.00
Deduct those expired and marked off as terminated 139,564,426.00 1,434,099.20
In force at end of year $ 141,700,307.00 $ 1,464,354.80
Deduct amount re-insured 10,143,951.00 95,238.34
Net amount in force at end of year $ 131,556,356.00 $ 1,369,116.46
Largest amount in any one hazard $ 25,000.00
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year
Written.
Fraction
Unearned.
Amount
Covered.
Term.
In 1900__ 1 year or less One-half ... $ 93,380,428.00
In 1899 2 years One-fourth 947,154.00
In 1900 2 years Three-fourths 1,237,300.00
In 1898 3 years One-sixth Jo, 550, 144.00
In 1899 3 years One-half
In 1900 3 years Five-sixths
In 1897 4 years One-eighlh
In 1898 4 years Three-eighths.
In 1899 4 years Five-eighths__.
In 1900 4 years Seven-eighths.
In 1896 5 years One-tenth
In 1897 5 years Three-tenths..
In 1898 5 years One-half
In 1899 5 years Seven-tenths _.
In 1900 5 years Nine-tenths
7,139,610.00
9,652,535.00
171.734.00
371,077.00
520,334.00
471,757.00
538,882.00
623,387.00
2,213,917.00
1,591,727.00
2,146,370.00
Premiums
Charged.
967,299.35
9,965.57
12,145.30
105,781.89
62,586.26
100,576.93
1,522.49
3,279.62
3,508.10
5,107.82
9,434.15
9,842.85
20,560.67
23,530.25
33,972.21
Premiums
Unearned.
483,649.68
2,191.39
9,108.98
17,630.82
31,293.13
83,S14.ll
190.31
1,229.85
2,192.56
4,469.34
943.41
2,952.85
10,280.33
16,471.18
30,574.99
Totals $131,556,356.00 $ 1,369,116.46 $ 697,292.93
1903.] Document No. 10. 299
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year $ 097,915.50
Net premiums received during
year 8 1,137,507.00
Decrease in gross uncollected
premiums $ 7,779.54
Increase in re-insurance fund— 55,48G.71 63,266.25
Total net premiums earned $ 1,074,240.75
Interest, etc., received $ 46,370.20
Increase in accrued interest, etc. 29,378.12
Total interest earned 75,748.32
Total premiums and interest
earned S 1,149,989.07
Net losses paid during year $ 801,483.52
Decrease in net unpaid losses __ 1,695.41
Total net losses incurred $ 709,788.11
Expenses paid $ 415,000.55
Increase in unpaid expenses 17,501.05
Total expenses incurred 432,508.50
Total losses and expenses in-
curred 1,232,296.61
Net loss for year $ 82,307.54
Received from home office dur-
year 8 159,655.00
Remitted to home office during
year 50,952.68
108,702.32
Increase in surplus for year S 20,394.7S
Surplus at end of year $ 724,310.28
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written $ 1,983,818.00
Gross premiums received 12,157.59
Re-insurance premiums 12,217.58
Losses paid 7,541.19
Losses incurred 7,475.77
Number of agents working in State during year, 30.
300 • Document No. 10. [Session
VIRGINIA FIRE AND MARINE INSURANCE COMPANY
OF VIRGINIA.
Located at Richmond, Va. Incorporated 1832. Commenced Business 1832.
' W. H. Palmer, President. W. H. McCarthy, Secretary.
Cash capital, $250,000.
Amount of net or ledger assets December 31, 1899 $ 774,698.80
INCOME.
Marine and
Fire. Inland.
Gross cash received for premium? $ 656,955.06 $
Deduct re-insurance, rebate, abatement and return
premiums 167,546.47
Net cash received for premiums 8 48!t,408.67 $.
489, 408. 67
Rents 7,469.06
Interest received on mortgages 12, 243. 58
Interest received on collateral loans 1, 608. 37
Interest and dividends on stocks and bonds 15, 900. 60
From all other sources 3, 058. 71
Total income $ 529,688.99
Aggregate last balance and income $ 1, 304, 387. 79
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 398,887.55 $
Deduct salvage and re-insurance 52,541.49
Net cash paid for losses $ 346,346.06 $
346, 346. 06
Paid stockholders (interest or dividends) 19,942.00
Commissions or brokerage and allowances to agents 100, 205. 85
Salaries and fees of officers and employees 19, 673. 13
Taxes 18,429.18
All other expenditures 22, 613. 65
Total disbursements during the year - $ 527, 209. 87
Balance December 31, 1900 $ 777, 177. 92
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned ft 102,823.35
Loans on mortgages 124,767.62
Loans on collaterals 18,954.27
Book value of stocks and bonds 381,398.83
Cash in company's office 367.52
Cash in bank 30,501.62
Bills receivable 1,503.78
All other . 110,860.93
Total net or ledger assets $ 777, 177. 92
1903.] Document No. 10. 301
OTHER ASSETS.
Rents and interest due and accrued $ 5, 303. 60
Market value of stocks and bonds over book value 81, 764. 17
Gross assets $ 864,245.69
Non-admitted assets —
Company's stock— owned $ 2,393.77
Total deductions 2,393. 77
Total admitted assets $ 861,851.92
LIABILITIES.
Losses adjusted and unpaid $ 33,340.00
Losses in process of adjustment 48,402.00
Losses resisted . 2,900.00
Xet amount of unpaid losses, less re-insurance $ 66,517. 00
Total unearned premiums 373,251.84
Unpaid interest due stockholders 183.00
Total liabilities $ 439,951.84
Cash capital 250,000.00
Net surplus 174,293.85
Total liabilities, including cash capital and net surplus S 864, 245. 69
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year $ 33,804,885.00 $ 011,725.87
Written during year 41,982,293.00 656,955.14
Total 8 75,787,178.00 $ 1,268,681.01
Deduct those marked off as terminated 30,761,847.00 480,938.65
In force at end of year $ 45,025,331.00 5 787,742.36
Deduct amount re-insured 4,379,440.00 78,333.57
Net amount in force at end of year $ 40,645,891.00 $ 709,408.79
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year Fracticn Amount Premiums Premiums
Written. Term. Unearned. Covered. Charged. Unearned.
In 1900 1 year or less One-half $ 22,157,108.00 8 347,654.28 8 173,827.14
In 1899 2 years One-fourth 7,500.00 100.02 25.00
In 1900 2 years Three-fourths 49,440.00 432.43 324.32
In 1898 3 years One-sixth 2,973,058.00 50,400.59 8,400.10
In 1899 3 years One-half 3,460,771.00 "3.04 301.82
In 1900 3 years Five-sixths 4,520,376.00 73,540.51 61,283.76
In 1897 4 years One-eighth 4,330.00 49.67 6.08
In 1898 4 years Three-eighths 23,500.00 200.20 75.08
In 1899 4 years Five-eighths 34,250.00 370.36 231.47
In 1900 4 years Seven-eighths 27,850.00 222.81 194.96
In 1896 5 years One-tenth 1,068,267.00 27,063.87 2,706.38
In 1897 5 years Three-tenths 1,238,198.00 "7.35 9,002.20
InlS98 5 years One-half 1,377,925.00 33,765.75 16,882.88
In 1899 5 years Seven-tenths 1,539, 302. no 36,534.64 25,574.25
In 1900 5 years Nine-tenths 2,163,716.00 50,462.67 45,416.40
Totals 8 40,645,891.00 $ 709,408.79 $ 373,251.84
302
Document No. 10.
[Session
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year S 202,100.48
Net premiums received during
year $ 489,408.67
Increase in re-insurance fund __$ 53,456.55 53,456.55
Total net premiums earned . $ 435,952.12
Interest, etc., received $ 33,147.51
Increase in accrued interest, etc., 25,587.80
Total interest earned 58,735.31
Total premiums and interest
earned $ 494,687.43
Net losses paid during year $ 346,346.06
Increase in net unpaid losses 2,359.00
Total net losses incurred 8 348,705.06
Expenses paid $ 153,789.00
Total expenses incurred 153,789.00
Total losses and expenses in-
curred 502,494.06
Net loss for year 8 7,806.63
Total dividends incurred for
year 20,000.00
Decrease in surplus for year $ 27,806.63
Surplus at end of year $ 174,293.85
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written 8 4,126,225.00
Gross premiums received 77,754.60
Re-insurance premiums 9,903.41
Losses paid 33,477.07
Losses incurred 39,214.00
1903.1 Document No. 10. 303
VIRGINIA STATE INSURANCE COMPANY OF VIRGINIA.
Located at Richmond, Va. Incorporated 1865. Commenced Business 1866.
\. V. Randolph, President. Robert Lechy, Jr., Secretary.
Cash capital, $200,000.
Amount of net or ledger assets December 31, 1899 $ 364,432.12
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums 1 31(5,595.50
Deduct re-insurance, rebate, abatement and return
premiums 92,607.12
Net cash received for premiums 8 223,988.38 8-
223, 988. 38
Rents 8 > 275 - 3 ~
Interest received on mortgages 2, 173. 56
Interest received on collateral loans 818.25
Interest and dividends on stocks and bonds 9,370. 25
Profit on sale or maturity of ledger assets 2, 455. 08
From all other sources 9, 534. 70
Total income $ 251,615.59
Aggregate last balance and income $ 606,074. 71
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses 8 188,359.30 $
Deduct salvage and re-insurance 31,203.13
Net cash paid for losses 8 157,096.17 8-
157, 096. 17
Paid stockholders (interest or dividends) 12, 000. 00
Commissions or brokerage and allowances to agents 42, 727. 38
Salaries and fees of officers and employees 20, 854. 73
Taxes 7,434.60
Loss on sales or maturity — ledger assets 60. 00
All other expenditures 20, 994. o9
Total disbursements during the year $ 261,167.27
Balance December 31, 1899 $ 354, 880. 44
304 Document No. 10. [Session
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned $ 47,863.15
Loans on mortgages 50,255.70
Loans on collaterals 2,943.32
Book value of stocks and bonds 195,078.67
Cash in company's office 3,762.16
Cash in bank 14,488.92
Bills receivable 5,850.94
All other 68,991.41!
$ 390, 134. 32
Deduct borrowed money $ 30,0< 0.00
All other 5,253.88
35, 253. 88
Total net or ledger assets $ 354,880.44
OTHER ASSETS.
Rents and interest due and accrued 4, ( .»SS. 26
Market value of real estate over book value 9,477. 10
Market value of stocks and bonds over book value _■ 50, 660. 33
Gross assets $ 420,006. 13
Non-admitted assets —
Furniture and supplies $ 2,500.00
Open accounts 834.95
Total deductions 3,334.95
Total admitted assets $ 416,671.18
LIABILITIES.
Losses adjusted and unpaid $ 8,326.22
Losses in process of adjustment 28,011.00
Losses resisted 950.00
Net amount of unpaid losses, less re-insurance $ 25, 802. 88
Total unearned premiums ( 141, 506. 31
Total liabilities $ 167, 309. 19
Casb capital 200,000.00
Net surplus 52,696.94
Total liabilities, including cash capital and net surplus $ 420, 006. 13
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risks. Premiums.
In force at beginning of year . $ 19,156,269.00 $ 298,608.97
Written during year 22,261,783.00 323,026.94
Total $ 41,418,052.00 $ 621,635.91
Deduct those expired and marked off as terminated 21,267,760.00 290,804.66
In force at end of year $ 20,150,292.00 $ 330,831.25
Deduct amount re-insured 3,693,414.00 56,546.77
Net, amount in force at end of year $ 16,456,878.00 $ 274,284.48
Largest amount in any one hazard $ 10,000.00
1903.] Document No. 10. 305
Year
Written.
In 1900.
RECAIMTUI.ATION OF FIRE RISKS AND PREMIUMS.
Fraction Amount Premiums Premiums
Term. Unearned. Covered. Charged. Unearned.
.lyearorless One-half S 9,130,009.00 8 150,513.19 $ 75,256.59
In 1890 2 years One-fourth 33,200.00 315.19 78.80
In 1900 2 years Three-fourths 19,150.00 190.19 142.64
In isgs 3 years One-sixth 2,198,674.00 29,154.00 4,859.00
In 1899 3 years One-half- 2,206,509.00 151.99 16,676.00
In 1900 3 years Five-sixths 2,064,584.00 42,500.16 35,416.80
In 1897 4 years One-eighth 1,500.00 20.00 2.50
[ D 1898 4 years Three-eighths— 5,900.00 15.72 5.90
In 1899 4 years Five-eighths.— 1,300.00 22.77 14.23
In 1900 4 years Seven-eighths — 3,525.00 114.11 99.85
[D1896 5 "years One-tenth 210,719.00 5,278.34 527.83
In 1897 5 years Three-tenths 57,907.00 1,694.90 508.47
In 1898 5 "years One-half 170,437.00 4,094.50 2,047.25
In 1899 5 years Seven-tenths 161,181.00 2,235.11 1,564.57
In 1900 5 years Nine-tenths 19 2, 223. 00 4,784.31 4,305.88
Totals S 16,456,878.00 8 274,284.48 $ 141,506.31
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year 8 51,602.08
Net premiums received during
year 8 223,988.38
Increase in gross uncollected
premiums 8 7,153.19
Increase in re-insurance fund.. 8,956.87 1,803.68
Total net premiums earned 8 222,184.70
Interest, etc., received S 20,743.34
Increase in accrued interest, etc., 13,296.28
Total interest earned 34,039.62
Total premiums and interest
earned 8 256,224.32
Net losses paid during year $ 157,096.17
Increase in net unpaid losses 1,865.26
Total net losses incurred 8 158,961.43
Expenses paid 8 84,168.0 I
Total expenses incurred 84,168.03
Total losses and expenses in-
curred 243,129.46
Net gain for year 8 13,094.86
Dividends to stockholders 12,00
Total dividends incurred for
year 12,000.00
Increase in surplus for year 8 1,094.80
Surplus at end of year S 52. ''.96. 94
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written 8 2,227,401 .00
Gross premiums received 32,311.73
Re-insurance premiums 1,701.58
Losses paid 15,981.21
Losses incurred 18,280.62
20
306 Document No. 10. [Session
WESTCHESTER FIRE INSURANCE COMPANY OF
NEW YORK.
Located at New York City. [Incorporated 1837. Commenced Business 1870.
George R. Crawford, President. Morell O. Brown, Secretary.
Cash capital, $300,000.
Amount of net or ledger assets December 31, 1899 $ 2, 257, 808. 84
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 1,943,705.53 8
Deduct re-insurance, rebate, abatement and re-
turn premiums 417,702.20
Net cash received for premiums $ 1,520,003.53
1,526,003.33
Rents 1,563.25
Interest received on mortgages 34,459.21
Interest and dividends on stocks and bonds 78,404. 74
Profit on sale or maturity of ledger assets 10, 227. 50
Total income $ 1,650,658.03
Aggregate last balance and income $ 3, 908, 466. 87
DISBURSEMENTS.
Marine and
FiuE. Inland.
Gross cash paid for losses $ 1,034,843.00 $
Deduct salvage and re-insurance : 147,390.56
Net cash paid for losses $ 887,452.44 $_
$ 887, 452. 44
Paid stockholders (interest or dividends) 48, 000. 00
Commissions or brokerage and allowances to agents 333, 399. 89
Salaries and fees of officers and employees 111,034. 70
Taxes 43,501.84
All other expenditures 141, 175. 66
Total disbursements during the year $ 1, 564, 564. 53
Balance December 31, 1900 $ 2,343,902.34
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned I 225,047.64
Loans on mortgages 588,962.50
Book value of stocks and bonds 1,407,499.04
Cash in bank 122,392.56
Total net or ledger assets $ 2,343,902.34
1903.]
Document No. 10.
307
OTHER ASSETS.
Rents and interest due and accrued $
Market value of stocks and bonds over book value
Uncollected premiums
10, 739. 50
374, 950. 36
213, 216. 48
Gross assets $ 2,942,808.68
Non-admitted assets —
Depreciation in book value of real estate, etc g 47.64
47.64
Total deductions-
Total admitted assets $ 2,942,761.04
LIABILITIES.
38,070.89
102,636.73
7,950.00
Losses adjusted and unpaid
Losses in process of adjustment.
Losses resisted
Net amount of unpaid losses, less re-insurance $ 133, 142. 24
Total unearned premiums 1, 290, 360. 44
Total liabilities $ 1,423,502.68
Cash capital 300,000.00
Net surplus 1,219,258.36
Total liabilities, including cash capital and net surplus $ 2, 942, 761. 04
MISCELLANEOUS.
RISKS AND PREMIUMS.
Fire Risk>.
In force at beginning of year 8 243,988,834.00
Written during year 197,897,634.00
Total $ 441,886,468.00
Deduct those expired and marked off as terminated 139,468,551.00
In force at end of year S 302,417,917.00
Deduct amount re-insured 23,181,085.00
Premiums.
2,363,362.11
1,972,144.56
4,335,506.67
1,626,810.88
2,708,695.79
2(19,755.56
Net amount in force at end of year 8 279,236,832.00 8 2,498,940.23
RECAPITULATION" OF FIRE RISKS AND PREMIUMS.
Year
Written.
In 1900 1
In 1899 2
In 19<J0 2
In 1898 3
In 1899 3
In 1900 3
In 1897 4
In 1898 4
In 1899 4
In 1900 4
In 1896 5
In 1897 5
In 1898 5
In 1899 5
In 1900 5
Fraction Amount
Term. Unearned. Covered.
year or less One-half ? 102,716,634.00
years One-fourth 1,027,619.00
years Three- fourths 851,189.00
years One-sixth 34,656,879.00
years One-half 50,790,318.00
years Five-sixths 53,667,941.00
years One-eighth 606,725.00
years Three-eighths 529, 207. 00
years Five-eighths 747,067.00
years Seven- eighths 485,044.00
years One-tenth 5,474,296.00
years Three-tenths 6,518,783.00
years One-half 6,334,856.00
years Seven-tenths 0,897,799.00
years Nine-tenths 7,932,475.00
Premiums
Charged.
1,033,628.02
7,993.39
7,578.11
308,061.46
352,564.64
394,3
5,298.97
4,531.63
5,395.10
4,350.51
64,565.08
70,849.28
67,319. I:;
82,520.19
89,891.06
Premiums
Unearned.
516,814.dl
1,998.35
5,083.59
51,343.58
176,282.32
328,661.13
662.37
1,699.36
3,371.93
3,806.70
6,456.50
21,254.78
33,659.72
57,764.14
80,901.96
Totals $ 279,236,832.00 8 2,498,940.23 $ 1,290,360.44
308 Document No. 10. [Session
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year $ 1,194,160.37
Net premiums received during
year $ 1,526,003.33
Increase in gross uncollected
premiums $ 24,178.20
Increase in re-insurance fund.. 183,246.22 159,068.02
Total net premiums earned $ 1,366,935.31
Interest, etc., received $ 110,475.97
Increase in accrued interest, etc., 110,660.29
Total interest earned 221,136,26
Total premiums and interest
earned $ 1,588,071.57
Net losses paid during year $ 887,452.44
Increase in net unpaid losses 9,492.09
Total net losses incurred 8 896,944.53
Expenses paid $ 625,161.86
Increase in unpaid expenses 7,132.81
Total expenses incurred 618,029.05
Total losses and expenses in-
curred 1,514,973.58
Net gain for year $ 73,097.99
Dividends to stockholders 48,000.00
Total dividends incurred for
year 48,000.00
Increase in surplus for year $ 25,097.99
Surplus at end of year $ 1,219,258.36
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written $ 934,742.00
Gross premiums received 17,221.03
Losses paid 12,373.38
Losses incurred . 11 ,023.18
1903.] Document No. 10. 309
WESTERN ASSURANCE COMPANY OF DOMINION
OF CANADA.
Located at Toronto, Can. Incorporated 1851. Commenced Business 1851.
George A. Cox, President. C. C. Foster, Secretary.
Amount of net or ledger assets December 31, 1899 $ 1, 820, 619. 26
INCOME.
Marine and
Fire. Inland.
Gross cash received for premiums $ 1,908,9S6.2G 8 536,079.27
Deduct re-insurance, rebate, abatement and return
premiums 355,315.08 52,937.72
Net cash received for premiums $ 1,553,671.18 $ 483,741.55
2, 037, 412. 73
Interest received on mortgages 2, 100.00
Interest and dividends on stocks and bonds 52, 978. 81
Profit on sale or maturity of ledger assets 1, 225. 62
Eeceived from home office 128, 080. 57
From all other sources 603. 86
Total income $ 2,222,401.59
Aggregate last balance and income $ 4, 043,020. 85
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 1,186,647.83 $ 316,569.83
Deduct salvage and re-insurance 56,881.26 26,634.57
Net cash paid for losses * 1,129,766.57 $ 289,935.26
1,419,701.83
Commissions or brokerage and allowances to agents 394, 777. 21
Salaries and fees of officers and employees 80, 100. 00
Taxes 64, 738. 63
All other expenditures 121, 436. 22
Total disbursements during the year $ 2, 080, 753. 89
Balance December 31, 1900 $ 1,962,266.96
ASSETS
AS PER LEDGER ACCOUNTS.
Loans on mortgages $ 20,000.00
Book value of stock and bonds 1,357,190.90
Cash iu company"s office 280.13
Cash in bank 209,388.41
Bills receivable 43,280.34
All other 332,407.28
Total net or ledger assets $ 1, 962, 266. 96
310 Document No. 10. [Session
OTHER ASSETS.
Market value of stocks and bonds over book value $ 3, 241. 84
Total admitted assets $ 1,965,508. 80
LIABILITIES.
Losses adjusted and unpaid $ 37,665.48
Losses in process of adjustment 123,995.66
Losses resisted 14,634.15
Net amount of unpaid losses $ 176, 295. 29
Total unearned premiums 1, 221, 407. 72
Total liabilities $ 1,397,703.01
Net surplus 567,805.79
Total liabilities, including cash capital and net surplus $ 1, 965, 508. 80
MISCELLANEOUS.
RISKS AND PREMIUMS.
Firk Risks. Premiums.
In force at beginning of year $ 213,816,782.00 $ 2,000,890.76
Written during year 192,259,442.00 1,908,086.26
Total $ 406,076,224.00 $ 3,909,877.02
Deduct those expired and marked off as terminated 189,478,235.00 1,742,429.11
In force at end of year $ 216,597,989.00 $ 2,167,447.91
Deduct amount re-insured 6, 351, 896. no 44,797.77
Net amount in force at end of year $ 210,246,093.00 $ 2,122,650.14
Marine and
Inland. Premiums.
In force at beginning of year $ 5,196,623.00 $ 79,563.10
Written during year 57,095,264.00 536,679.27
Total $ 62,291,887.00 $ 616,242.37
Deduct those expired and marked off as terminated 55,359,557.00 447,108.51
In force at end of year $ 6,932,330.00 $ 169,133.86
Deduct amount re-insured 471,654.00 17,915.67
Net amount in force at end of year $ 6,460,676.00 $ 151,218.19
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Year Fraction Amount Premiums Premiums
Written. Term. Unearned. Covered. Charged. Unearned.
In 1900 1 year or less_-One-half $120,808,625.00 | 1,330,493.97 $ 665,246.99
In 1898 3 years One-sixth 27,375,859.00 185,599.90 30,933.32
In 1899 3 years One-half 23,063,642.00 197,906.18 98,953.09
In 1900 3 years Five-sixths jl 18,060,615.00 185,998.42 154,998.68
In 1896 5 years One-tenth 3,448,528.00 34,622.48 3,462.25
In 1897 5 years Three-tenths 3,905,369.00 39,791.80 11,937.54
In 1898 5 years One-half 4,678,094.00 44,300.35 22,150.17
In 1899 5 years Seven-tenths 5, 296, 840. (in 55,179.19 38,625.43
In 1900 5 years Nine-tenths 3,608,521.00 48,757.85 43,882.06
Totals $210,246,093.00 $ 2,122,650.14 $ 1,070,189.53
1903.] Document Xo. 10. 311
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year $ 063,081.97
Net premiums received during
year 9 2,037,412.73
Increase in re-insurance fund __$ 128,752.34 128,752.34
Total net premiums earned $ 1,908,660.39
Interest, etc., received $ 55,078.81
Increase in accrued interest, etc., 4,467.46
Total interest earned 59,546.27
Total premiums and interest
eartrfd $ 1,968,206.66
Net losses paid during year $ 1,419,701.83
Increase in net unpaid losses 40,184.73
Total net losses incurred $ 1,459,886.56
Expenses paid $ 661,052.06
Total expenses incurred 661,052.06
Total losses and expenses in-
curred 2,120,938.62
Net loss for year $ 152,731.96
Received from home office during
year 128,080.57
Decrease in surplus for year $ 24,651.39
Surplus at end of year $ - . 130.58
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fire Risks.
Gross risks written S 3,026,760.00
Gross premiums received 22,588.55
Losses paid 9,488.27
Losses incurred 10,330.03
312 Document No. 10. [Session
WILMINGTON UNDERWRITERS INSURANCE COMPANY
OF NORTH CAROLINA.
Located at Wilmington, N. C. Incorporated 1899. Commenced Business 1899.
N. B. Rankin, President, Charles S. Grainger, Secretary.
Cash capital, $50, 000.
Amount of net or ledger assets December 31, 1899 $> 3, G75. 85
INCOME.
FlEE.
Gross cash received for premiums $ 5,068.43 $_
Deduct re-insurance, rebate, abatement and re-
turn premiums 3,290.05
Marine and
Inland.
Net cash received for premiums $ 1,778.38 $_
1, 778. 38
Interest received on mortgages 2,757.92
Interest received on collateral loans 299.99
Total income $ 4, 836. 29
Aggregate last balance and income $> 8, 512. 14
DISBURSEMENTS.
Marine and
Fire. Inland.
Gross cash paid for losses $ 268.50 $
Deduct salvage and re-insurance 268.56
Commissions or brokerage and allowances to agents 716. 99
Salaries and fees of officers and employees 387. 50
Taxes 81.03
All other expenditures 151. 75
Total disbursements during the year $ 1,337. 27
Balance December 31, 1900 $ 7, 174.87
ASSETS.
AS PER LEDGER ACCOUNTS.
Loans on mortgages $ 40,061.00
Cash in company's office 180.24
All other 15,000.00
Deduct agents' credit balances $ 137.28
Overdraft 3,935.09
61,247.24
4, 072. 37
Total admitted assets $ 57, 174. 87
1903.]
Document No. 10.
313
LIABILITIES.
Losses in process of adjustment-
Deduct re-insurance
307.60
276.84
Net amount of unpaid losses $ 30. 76
Total unearned premiums 1,199.15
Total liabilities §
Cash capital
Net surplus
Total liabilities, including cash capital and net surplus $
MISCELLANEOUS.
RISKS AND PREMIUMS.
1,229.91
50, 000. 00
5, 944. 96
57, 174. 87
In force at beginning of year .
Written during year
Fire Risks. Premiums.
212,068.00 $ 3,478.51
409,787.(111 5,008.43
Total
Deduct those expired and marked off as terminated
In force at end of year
Deduct amount re-insured
621,855.00 8
195,643.00
8,546.94
2,677.84
426,212.00 $
386,618.00
5,869.10
3,751.69
Net amount in force at end of year $
Largest amount in any one hazard $ 14,000.00
39,594.00 $
2,117.41
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Fraction
Unearned.
Year
Written. Term.
In 1900 1 year orless One-half
In 1899 3 years One-half
In 1900 3 years Five-sixths .
In 1899 5 years Seven-tenths
In 1900 5 years Nine-tenths-
Amount
Premiums
p
REMIUMS
Covered.
Cha
RGhD.
Ui
S' EARNED.
296,512.00
$
1,338.44
$
669.22
52,775.00
341.04
170.52
58,725.00
301.07
250.89
10,000.00
73.20
51.28
8,20().oii
63.60
57.24
Totals.
426,212.00 $
2,117.41 g
1,199.15
UNDERWRITING AND INVESTMENT EXHIBIT DURING YEAR.
Surplus at beginning of year-
Net premiums received during
year
Interest, etc., received S
Total interest earned
3,675.85
3,057.91
1,778.38
3,057.91
Total premiums and interest
earned
Expenses paid J
Total losses and expenses in-
curred
1,337.27
4,836.29
1,337.27
Net gain for year
Increase in surplus for year
3,499.02
3,499.02
Surplus at end of year ?
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
7,174.87
Gross risks written
Gross premiums received-
Losses paid
Fire Risks.
409,787.00
5,068.43
268.56
Number of agents working in Slate during year, 2.
FIDELITY AND CASUALTY
COMPANIES.
ABSTRACTS FROM ANNUAL STATEMENTS FILED IN THIS DEPART-
MENT, SHOWING THEIR TRANSACTIONS FOR THE
YEAR OF 1900 AND THEIR CONDITION ON
THE 31ST DAY OF DECEMBER, 1900.
.ETNA LIFE INSURANCE COMPANY OF CONNECTICUT.
Accident Department.
Located at Hartford, Conn. Incorporated 1820. Commenced Business 1850.
M. G. Bclkeley, President. J. L. English, Secretary.
INCOME.
Accident premiums collected during year 5 1,072,446.07
Health premiums collected during year 59,641.26
Total premiums collected S 1,132,087.33
Deduct re-insurance and return premiums 25,678.80
Net cash received for premiums $ 1, 106,408.53
Rents S 36,097.33
Interest on mortgage loans 1,235,860.08
Interest on collateral loans 180,671.30
Interest on bonds and dividends on stocks S33.1S2.41
Interest on other debts due the company 55,111.81
Discount on claims paid in advance 1,447.11
Total rents and interest 2,342,370.07
Profit on sales of real estate 11, 050. 50
Total cash income S 3,459,829. 10
DISBURSEMENTS.
Accident. Health.
Gross amount paid for claims other than specific and
weekly indemnity S 125,804.48 3
Gross amount paid for weekly or other specific in-
demnity 307,491.99 22,288.27
Total S 433,290.47 3 22,288.27
Deduct re-insurance 2,012.85
$ 431,283.62 $ 22,288.27
Net amount paid policy-holders 453, 571. 89
Interest or dividends to stockholders S 43,750.00
Commissions to agents 369,949.45
Salaries and expenses to agents not on commission account 19,759.92
Medical examiners' fees and salaries 6,039.60
Salaries home office employees 31,41
Taxes, fees and licenses 25,573.90
Rent 11,082.34
Legal expenses 5,290.90
Furniture and fixtures 24,250.70
All other expenses 17,529.85
Total miscellaneous expenses 554, 642. 69
Total disbursements I 1.008,214.58
318 Document No. 10. [Session
ASSETS.*
AS PER LEDGER ACCOUNTS.
Book value of real estate $ 469,086.71
Loans on mortgages 24,107,274.86
Loans on collaterals 918,308.67
Book value of stocks and bonds 17,632,616.28
Cash in company's office 71,620.07
Cash in bank 7,252,186.82
Bills receivable 43,316.65
Agents' debit balances 33,316.66
Loans to policy-holders on this company's policies 1,904,942.00
Premium notes on policies in force 461,213.15
Total $ 52,893,881.87
Deduct ledger liabilities —
Agents' credit balances $ 29,907.57
Allother 3,281.17
31,188.74
Total net ledger assets $ 52,862,693. 13
OTHER ASSETS.
Interest and rents due and accrued 768,293.60
Market value of bonds and stocks over book value 1, 854, 517. 63
Net amount of uncollected and deferred premiums 655, 847. 53
Total assets $ 56, 141, 351. 89
Deduct non-admitted assets —
Commissions payable to agents on premium notes $ 2,197.63
Agents' debit balances unsecured 20,455.36
Bills receivable unsecured 26,359.22
Premium notes in excess of reserve on policies 253.67
Total deductions 49, 265. 88
Total admitted assets $ 56,092,086.01
LIABILITIES.!
Accident losses in process of adjustment $ 35,773.43
Accident losses known or estimated, proof not filed 10,000.00
Accident losses resisted 60,227.14
Health losses in process of adjustment 894.28
Aggregate of unpaid accident claims $ 106,894. 85
Total unearned premiums • 389, 230. 72
Salaries, rents, expenses, taxes, bills, accounts, fees, etc 1,000.00
Total liability, life department 50, 529, 751. 04
Total liabilities, except casli capital and net surplus $ 51, 026, 876. 61
Cash capital 1,750,000.00
Net surplus 3,315,209.40
Total liabilities, including cash capital and net surplus $ 56, 092, 086. 01
♦Includes both life and accident departments,
t Includes both life and accident departments.
1903.] Document No. 10. 319
MISCELLANEOUS.
RISKS AND PREMIUMS.
Risks. Premiums.
In force at beginning of year $ 135,807,470.00 $ 582,519.06
Written during year 339, 017,183.33 1,132,087.33
Total $ 474,824,653.33 8 1,714,606.39
Deduct expirations and cancellations 314,710,033.33 967,187.86
In force at end of year 8 160,114,620.00 8 747,418.53
Deduct amount re-insured 1,025,500.00 4,023.57
Net amount in force at end of year $ 159,089,120.00 8_ 74 3,394.96
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Risks Premiums Losses Losses
Written. Received. Paid. Incurred.
Accident 8 881,000.00 $ - 2,976.54 8 387.50 8 409.56
Health 1,253.60 1,260.88 1,301.59
Aggregate 8 881,000.00 $ 4, 230.14 $ 1,648.44 $ 1,711.15
AMERICAN BONDING AND TRUST COMPANY OF
MARYLAND.
Located at Baltimore, Md. Incorporated 1894, Commenced Business 1895.
James Bond, President. Samuel H. Shriver, Secretary.
Cash capital, $1, 000, 000.
Amount of net or ledger assets December 31, 1899 $ 1,519,604.24
INCOME.
Premiums collected during year 8 430,848.95
Deduct re-insurance, abatement, rebate and return premiums 49,338.76
Net cash received for premiums 381, 510. 19
Interest on mortgage loans 8 7,701.90
Interest on collateral loans 12,487.64
Interest on bonds and dividends on stocks 32,221.41
Interest on other debts due the company 3,227.22
Total interest 55,638. 17
Profit on sales or maturity of ledger assets over book value 8 20,597.27
Exchange 1.65
From all other sources 11,234.44
31,922.36
Total cash income $ 46 9, 070. 72
Aggregate last balance and income $ L 964, 380. 38
320 Document No. 10. [Session
DISBURSEMENTS.
Gross amount paid for matured claims $ 173,733.78
Deduct re-insurance and salvage 90,(134.08
Net amount paid for losses $ 83,699.70
Interest or dividends to stockholders $ 00,000.00
Commissions to agents 80,560.00
Salaries and expenses of agents not on commission account 23,272.63
Salaries of officers and home-office employees 45,034. ill
Taxes, fees and licenses 33,947.18
Rents 7,292.92
Furniture and fixtures, advertising, printing and stationery 24,725.60
Legal expenses 17,473.42
All other expenses 28,276.99
Total miscellaneous expenses 326,584.25
Total disbursements $ 410,283.95
Balance $ 1,554,096.43
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate $ 23,464.44
Loans on mortgages 150,561.86
Loans on bonds, stocks or other collaterals 271,785.61
Book value of stocks and bonds 929,990.52
Cash in company's office 15,958.01
Cash in bank „ 68,147.38
Bills receivable 965.00
Accounts receivable unsecured 122,156.02
Cash deposited in State of Tennessee 25,000. oo
Total $ 1,608,028.84
Deduct ledger liabilities $ 53,932.41
53, 932. 41
Total net or ledger assets $ 1,554,096.43
OTHER ASSETS.
Total outstanding interest 17,640. 58
Furniture and fixtures 1.00
Market value of bonds and stocks over book value 10, 219. 73
Gross premiums in course of collection $ 73,826.41
Unpaid commissions thereon 13,752.48
Net amount of outstanding premiums 60, 073. 93
Total assets $ 1,642,031.67
Deduct non-admitted assets —
Furniture and fixtures I 1.00
Bills receivable unsecured 965.00
Total deductions 966.00
Total admitted assets $ 1,641,065.67
1903.] Document No. 10. 321
LIABILITIES.
Losses in process of adjustment $ 24, 803. 47
Total unearned premiums 210,408.30
All other 3,143.25
Total liabilities, except cash capital and net surplus $ 238, 355. 02
Cash capital 1,000,000.00
Net surplus 403,676.65
Total liabilities, including cash capital and net surplus $ 1,642,031.67
EXHIBIT OF POLICIES.
Risks. Premiums.
In force at beginning of year $ 70,917,892.49 8 331,173.88
Written during year 97,980,845.20 450,495.68
Total S 168,898,737.69 $ 781,669.56
Deduct those expired and marked oft ascancelled 71,912,347.11 355,863.78
In force at end of year 3 96,9 - $ 425,S05.78
Deduct amount re-insured 4,9S9.18
Net amount in force at end of year 3 96,986,390.5)? -16.60
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Gross risks written g 2,573,759.00
Gross premiums received 9,741.27
Losses paid
Losses incurred 2,580.96
AMERICAN SURETY COMPANY OF NEW YORK.
Located at New York, N. Y. Incorporated 1SS4. Commenced Business 1884.
H. D. Lyman, President. G. M. Sweney, Secretary.
Cash capital, $2, 500, 000.
Amount of net or ledger assets December 31, 1899 $ 4, 942, 932. 44
INCOME.
Premiums collected during year g 1,158,377.35
Deduct re-insurance, abatement, rebate, and return premiums 171,410.96
Net cash received for premiums 986, 966. 39
Rents $ 185,657.42
Interest on collateral loans 18,314.-.'
Interest on bonds and dividends on stocks 49,753.27
Interest on other debts due the company 10,95
Total rents and interest 264, 6S4. 84
21
•322 Document No. 10. [Session
Profit on sale or maturity of ledger assets § 4,979.00
From all other sources 98,439.85
$ 103, 418. 85
Total income during year $ 1,355,070.08
Aggregate last balance and income $ 6,298, 002. 52
DISBURSEMENTS.
Gross amount paid for claims 8 024,720.67
Deduct salvage and re-insurance 239,441.62
Net amount paid for losses 385, 285. 05
Interest or dividends to stockholders § 200,000.00
Commissions to agents 1 55,165.35
Salaries and expenses of agents not on commission account 184,614.0!)
Salaries of officers and home-office employees 180,363.19
Inspections 3,933.18
Taxes, fees and licenses 78,115.39
Rents 35,050.37
Legal and real estate expenses 77,074.70
Furniture and fixtures, advertising, printing and stationery 24,S41.10
Losses on ledger assets sold or matured, under book value 5,060.62
All other expenses 49,440.64
Total miscellaneous expenses 895, 454. 63
Total disbursements $ 1, 280, 739. 68
Balance 1 5,017,262.84
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate $ 3,028,217.10
Loans on mortgages 18,5S3.76
Loans on bonds, stocks or other collaterals 644,211.57
Book value of stocks and bonds 1,079,447.85
Tash in company's office 4,187.41
Cash in bank 259,742.90
Total 1 5,034,390.71
Deduct ledger liabilities $ 17,127.87
1/, 127. 87
Total net ledger assets ^ $ 5,017,262.84
OTHER ASSETS.
Total outstanding interest 30, 177.39
Market value of stocks and bonds over book value 76, 989. 65
Net amount of outstanding premiums 93, 081. 60
Total admitted assets $ 5,217,513.48
LIABILITIES.
UNPAID LOSSES.
In Process of Resisted by
Adjustment. Company.
Fidelity $ 95,237.08 $ 20,800.34
Surety 175,578.15
Total $ 95,237.68 $ 196,378.49
Aggregate of unpaid losses $ 291, 616. 17
1903.]
Document No. 10.
323
UNEARNED PREMIUMS.
On risks running one year or less—
Gross I neakned
Premiums. (50 per cent.).
Fidelity 8 504,103.02 8 252,051.51
Surety 515,240.84 257,620.42
Total one year or less
On risks running more than one year —
Gross Unearned
Premiums. (Prorata).
Surety 8 152,753. SI 8 82,579.74
Pro rata on risks running more than one year
S 509,871.93
82,579.74
Total unearned premiums $ 592, 251. 67
Total liabilities, except cash capital and net surplus § 883, 867. 84
Cash capital 2,500,000.00
Net surplus 1, 833, 645. 64
Total liabilities, including cash capital and net surplus $ 5, 217, 513. 48
RISKS AND PREMIUMS.
FIDELITY.
Risks. Premiums.
In force at beginning of year 8 115,894,512.00 $ 527,994.06
Written during year 132,985, 816.00 569,149.44
T t a ] 8 248,880,328.00 $ 1,097,143.50
Deduct those expired and marked off as cancelled 137,659,133.00 593,040.48
Net amount in force at end of year 8 111,221,195.00 $ 504,103. "2
SURETY.
Risk-;. Premiums.
In force at beginning of year 8 196,912,950.00 $ 666,421.96
Written during year 2 15,285,243.00 627,980.57
1,294,402.53
626,407.88
Total S 412,178,193.00
Deduct those expired and marked off as cancelled 212,657,727.00
Net amount in force at end of year 8 199,520,466.00
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fidelity.
Surety...
Risks
Written.
792,700.00 8
54.s,033.0O
Premiums
Received.
1,728.28 $.
796.86
Losses
Paid.
625.19
Aggregate 8 1,340,733.00
2,525.14 S
667,994.65
Losses
Incurred.
195.00
625.19
625.19 8
820.19
324 Document No. 10. - [Session
CITY TRUST, SAFE DEPOSIT AND SURETY COMPANY
OF PENNSYLVANIA.
Located at Philadelphia, Pa. Incorporated 1886. Commenced Business 1886.
Charles M. Swain, President. James F. Lynd, Secretary.
Cash capital, $500,000.
Amount of net or ledger assets December 31, 1899 $ 2,844,414.08
Increase in deposits during 1900 316,613.01
Extended at $ 3,161,027.09
INCOME.
Premiums collected during year $ 252,803.71
Deduct re-insurance, rebate, abatement and return premiums 30,196.33
Net cash received for premiums 222, 607. 38
Rents $ 13,593.45
Interest on mortgage loans 5,590.48
Interest on collateral loans 67,660.75
Interest on bonds and dividends on stocks 18,379.83
Interest on other debts due the company 7,975.39
Total rents and interest 113,199.90
From all other sources 8 7,887.24
7, 887. 24
Total income during year $ 343,694.52
Aggregate last balance and income $ 3, 504, 721. 61
DISBURSEMENTS.
Gross amount paid for claims $ 58,936.84
Deduct re-insurance and salvage 16,355.63
Net amount paid for losses 42, 581. 21
Interest or dividends to stockholders 8 30,030.00
Commissions to agents 19,236.78
Salaries and expenses of agents not on commission account 58,857.82
Interest paid depositors 43,848.93
Salaries of officers and home-office employees 61,221.51
Taxes, fees and licenses 16,730.78
Legal expenses, repairs on real estate and general expenses 23,447.15
Advertising, printing and stationery 5,970.97
Losses on ledger assets sold or matured under book value 9,577.25
All other expenses 584.24
Total miscellaneous expenses 270, 005. 43
Total disbursements $ 312,586.64
Balance $ 3, 192, 134. 97
1903.] Document No. 10. 325
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate . $ 537,006.96
Loans on mortgages 69,700.00
Loans on bonds, stocks or collaterals 1,329,597.24
Book value of stocks and bonds 434,475.50
Cash in company's office 111,316.80
Cash in bank 558,583.10
Due from ledger account secured 138,333.77
All other 13,121.60
Total net ledger assets $ 3, 192,134.97
OTHER ASSETS.
Interest and rents due and accrued 23,943.00
Due from other companies 2, 922. 27
Market value of real estate over book value 120, 093. 04
Market value of bonds and stocks over book value 3, 315. 00
Revenue stamps 750. 00
Renewals not over three months due 2, 648. 37
Net amount of outstanding premiums 9, 330. 35
Total assets $ 3,355,137.00
Deduct non-admitted assets —
Furniture, fixture and supplies $ 6,781.68
Total deductions 6, 781. 68
Total admitted assets : $ 3, 348, 355. 32
LIABILITIES.
Net amount of unpaid claims $ 62, 525. 90
Total unearned premiums 12, 824. 89
Expenses, taxes, bills, etc 1, 000. 00
All other ■ 2, 397, 730. 97
Total liabilities, except cash capital and net surplus $ 2, 588, 081. 76
Cash capital 500,000.00
Net surplus 260,273.56
Total liabilities 3,348,355.32
RISKS AND PREMIUMS.
FIDELITY.
Risks. Premiums.
In force at beginning of year $ 25,860,108.33 $ 92,692.99
Written during year 27,040,545.25 89,780.52
Total $ 52,900,653.58 $ 182,473.51
Deduct expirations and cancellations 26,250,808.33 92,965.04
i talance . $ 26,649,845.25 $ S9*,508.47
Deduct re-insured policies 60,000.00 310.00
Net amount in force at end of year 8 26,589,845.25 $ 89,198.47
326
Document No. 10.
[Session
SURETY.
Risks. Premiums.
In force at beginning of year $ 41,140,812.16 $ 158,015.06
Written during year 40,358,761.71 158,495.66
Total $ 81,499,573.87 $ 316,510.72
Deduct expirations and cancellations 35,877,583.82 139,462.04
Balance $ 45,621,990.05 $ 177,04s. 68
Deduct re-insured policies 1,871,293.10 12,249.05
Net amount in force at end of year $ 43,750,696.95 $ 164,799.63
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Risks Premiums Losses Losses
Written. Received. Paid. Incurred.
Fidelity $ 26,000.00 $ 88.00 $ $
Surety 67,300.00 427.00 35.00 2,213.18
Aggregate $ 93,300.00 $ 515.00 $ 35.00 $ 2, 213. 18
Number of agents working in State during year, ,19.
EMPLOYERS' LIABILITY ASSURANCE CORPORATION
(LIMITED) OF GREAT BRITAIN.
Located in U. S. at Boston, Mass.
Incorporated 1880. Commenced Business 1881.
Samuel Appleton, Walter Tracy Dana, Managers and Attorneys.
Cash capital, $750,000.
Amount of net or ledger assets December 31, 1899 $ 1, 040, 056. 43
INCOME.
Accident. Health.
Employers'
Liability. Fidelity.
Premiums uncollected du-
ring year $ 174,057.94 f 4,029.58 SI, 381, 395. 28 $ 25,712.80
Deduct re-insurance, abate-
ment, rebate and re-
turn premiums 26,460.61 535.93 160,904.75 3,640.96
Net cash received for
premiums $ 147,597.33 $ 3,493.65 $1,220,490.53 $ 22,065.84
Interest and dividends on stocks and bonds
From all other sources
1, 393, 647. 35
52, 503. 91
42, 202. 36
Total income $ 1,488,353.62
Aggregate last balance and income $ 2,528,410.05
1903.] Document No. 10. 327
DISBURSEMENTS.
Employers'
Accident. Health. Liability. Fidelity.
Gross amount paid for
claims other than weekly
indemnity $ 11,126.34 § $ 519,832.54 $ 8,787.48
Gross amount paid for
weekly or other periodi-
cal indemity 50,472.94 208.57
Total $ 61,599.28 $ 208.57 $ 519,832.54 $ S,7s7. 18
Deduct re-insurance 3,261.79
Net paid policy-holdersJj 61,599.28 $ 208.57 $ 516,570.75 S 8,787.48
3 587, 166. 08
Cost of adjustment and settlement of claims 128, 060. 10
Commissions to agents 333, 126.44
Salariesof officers and home-office employees 33,343.23
Fees for inspections 19, 260. 80
Salaries, etc., not on commission account 9, 251. 29
Taxes on premiums, reserves, municipal and State licenses, etc.-- 40, 486. 83
Furniture and fixtures 1, 714. 42
Rents . 21,893.62
Advertising, printing, stationery and postage 21,237.69
Legal expenses 5, 177. 63
All other expenses 11, 159. 26
Total disbursements $ 1,211,877.39
Balance $ 1,316,532.66
ASSETS.
AS PER LEDGER ACCOUNTS.
Cost value of stocks and bonds owned $1,252,862.80
Cash in company's office 1,800.00
Cash in bank 459.89
Cash deposited with trustees 32,419.02
Market value of bonds and stocks over cost 28,990.95
Total net ledger assets $ 1,316,532.66
OTHER ASSETS.
Interest and rents due and accrued 10, 134. 58
Gross premiums in course of collection-
Accident
' Health
Employers' Liability
Fidelity
ion —
Unpaid
Premiums.
Commissions.
Net.
30,408.11
«
8,852.68
$
21,555.43
2,024.67
675.78
1,348.89
257,284.90
57,872.72
199,412.18
3,019.22
ii-
619.36
2,399.86
f nremini
Net amount of outstanding premiums 224, 716. 36
Total assets $ 1, 551, 3S3. 60
328 Document No. 10. [Session
LIABILITIES.
UNPAID LOSSES.
Resisted on
In Process Company's Resisted for
op Adjustment. Account. Employers.
Accident $ 10,035.00 $ 7,185.00 $
Employers' Liability 45,840.00 2,215.00 271,100. on
Total $ 56,340.00 $ 9,400.00 $ 271,100.00
Aggregate unpaid claims $ 336, 840. 00
UNEARNED PREMIUMS.
On risks running one year—
Gross Unearned
Premiums. (50 per cent ).
Accident $ 134,622.75 S 67,311.38
Health 5, 411. or. 2,705.53
Employers' Liability ' 1,073,541.01 536,770.50
Fidelity 23,211.55 11,605.77
Fifty per cent, on risks running one year or less $ 018,393.18
On risks running more than one year—
Gross Unearned
Premiums. (Pro rata).
Employers' Liability $ 47,043.53 $ 26,172.33
Pro rata on term policies $ 26,172.33
Total unearned premiums 044,565.51
Unpaid commission on premiums collected 11,268.46
Total liabilities, except cash capital and net surplus $ 992, 673. 97
Cash capital 200,000.00
Net surplus 358,709.63
Aggregate of all liabilities $ 1,551,383.60
RISKS AND PREMIUMS.
ACCIDENT.
Risks. Premiums.
In force at beginning of year $ 26,341,728.00 | 117,074.34
Written during year 30,436,085.00 175,271.49
Total I 65,777,813.00 $ 292,345.83
Deduct expirations and cancellations 35,085,951.00 155,937.56
Balance $ 30,691,862.00 $ 136,408.27
Deduct re-insured policies 401,742.00 1,785.52
Net amount in force at end of year $ 3", 290,120.00 $ 134,622.75
HEALTH.
Risks. Premiums.*
Written during year $ 1,367,830.00 $ 0,079.25
Total $ 1,367,830.00 $ 6,079.25
Deduct cancellations and expirations 142,425.00 633.00
Balance $ 1,225,405.00 $ 5,446.25
Deduct re-insured policies 7,915.00 35.19
Net amount in force at end of year $ 1,217,490.00 $ .".,411.06
1903.]
Document No. 10.
329
EMPLOYERS LIABILITY.
Risks. Premiums.
In force at beginning of year 8 211,822,785.00 $ 941,434.60
Written during year 321, 499, OSS. 00 1,428,884.82
Total 5 533,321,870.00 $ 2,370,319.42
Deduct expirations and cancellations 278,671,700.00 1,238,540.90
Balance $ 254,650,170.00 $ 1,131,778.52
Deduct re-insured policies 2,518,645.00 11,193.98
Net amount in force at end of year 8 252,131,525.00 $ 1,120,584.54
FIDELITY.
Risks.
In force at beginning of year $ 4,768,503.00
Written during year 0,063, 745. no
Total $ 10,832,248.00
Deduct expirations and cancellations 5,559,023.00
Premiums.
21,193.34
26,949. 9S
48,143.32
24,706.77
Balance
Deduct re-insured policies.
5,273,225.00 $
50,625.00
23,436.55
225.00
Net amount in force at end of year $ 5,222,600.00 $
23,211.55
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Accident
Health
Employers' Liability.
Risks
Written.
Premiums
Received.
Losses
Paid.
Losses
Incurred.
94,221.00
«
418.76
$
100.00
S
100.00
114,243.00
507.75
1,451.14
326,506.00
985.64
1,075.64
Aggregate $ 534,970.00 $ 2,377.65 $ 1,085.64 $ 1,175.64
FIDELITY AND CASUALTY COMPANY OF NEW YORK.
Located at New York, N. Y. Incorporated 1876. Commenced Business 1876.
George F. Seward, President. Robert J. Hillas, Secretary.
Cash capital, $250,000.
Amount of net or ledger assets December 31, 1899
INCOME.
Employer's
Occident. Liability. Burglary.
Premiums collected during year $1,606,299.71 .$1,637,690.00 $ 352,486.08
Deduct re-insurance, abatement, re-
flate and return premiums 533,016.47 260,460.20 55,067.24
.$ 2,842,147.81
Net cash received for premiums .$ 1,113,283.24 $ 1,377, 229. SO $ 297,418.84
Fidelity Plate Steam
and Surety. Glass. Boiler.
Premiums collected during year $ 350,591.45 $ 248,491.47 S 390, on. 7"
Deduct re-insurance, abatement, re-
bate and return premiums 59,706.46 34,686.32 110,164.36
Net cash received for premiums-S 290,884.99 S 213,805.15 8 279,880.34
Net cash received for premiums 3,572,502.36
330 Document No. 10. [Session
Rents $ 63,471.68
Interest on bonds or dividends on stocks 95,713.94
Interest upon other debts due the company and on deposits in bank- 2,264.71
Total interest $ 161,450.33
Profit on sale or maturity of ledger assets over book values 12, 305. 00
Total cash income $ 3, 746, 257. 69
Aggregate last balance and income $ 6, 588, 405. 50
DISBURSEMENTS.
Employers'
Accident. Liability. Burglary.
Gross amount paid for matured
claims and weekly indemnity 8 414,652-91 $ 673,696.35 $ 111,062.31
Deduct re-insurance and salvage 12,169.53 68.06 1,188.06
Net paid policy-holders $ 402,483.3S $ 673,627.09 $ 109,874.25
Adjustments and defense of suits— 38,760.04 1*8,610.98 17,700.46
Fidelity Plate Steam
and Surety. Glass. Boiler.
Gross amount paid for matured
claims and weekly indemnity..-^ 49,283.38 105,623.07 70,532.84
Deduct re-insurance and salvage 19,532.77 10,384.52 13,678.88
Net paid policy-holders $ 29,750.61 $ 95,238.55 $ 56,853.96
Adjustments and defense of suits... 13,270.16 5,729.13 923.13
Total paid policy-holders and adjustments 1, 612, 828. 34
Paid stockholders, interest or dividends $ 50,000.00
Commissions to agents 937,771.81
Salaries and expenses of agents not on commission account 169,906.86
Inspections L 128,622.88
Salaries of officers and home office employees 24S,724.86
Taxes, licenses and fees 96,328.08
Rent 38,078. 16
Legal and real estate repairs and expenses 24, 401. 0^
Furniture and fixtures, advertising, printing and stationery 46,528.83
Losses on ledger assets sold or matured under book value 3,348,25
All other expenses 73,764.85
Total miscellaneous expenses — 1, 817, 475. 93
Total disbursements $ 3, 430, 304. 27
Balance $ 3,158,101.23
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate owned $ 507,737.29
Book value of bonds and stocks 2,463,779.28
Cash in company's office 6,428.15
Cash in bank 112,886.15
Bills receivable 5,061.82
Agents' debit balances 2,20S.54
All other items 4,620.50
Total $ 3,162,721.73
Deduct —
All other $ 4,620.50
4, 620. 50
Total net or ledger assets $ 3, 158, 101. 23
1903.] Document No. 10. 331
Total outstanding interest $ 3,739.71
Market value of bonds and stocks over book value 416, 703. 97
Reserve re-insurance deposit 23,784.62
Gross premiums in course of collection —
Unpaid
Premiums. Commissions. Net.
Accident S 177,789.79 8 46,669.82 8 131,119.97
Employers' Liability 178,132.15 46,759.69 131,372.46
Burglary 22,422.69 5,885,96 16,536.73
Fidelity and Surety 9,859.80 2,588.19 7,271.61
Plate Glass 25,726.01 6,753.08 18,972.93
Steam Boiler 48,651.55 12,771.82 35,882.73
Net amount outstanding premiums 341, 156. 43
Total assets $ 3,943,485.96
Deduct —
Agents' debit balances unsecured 8 2,208.54
Bills receivable unsecured 5,061.82
Total deductions 7,270.36
Total admitted assets $ 3,936,215.60
LIABILITIES.
UXPAID LOSSES.
Known or Esti-
In Process of mated — Proofs Resisted i;y
Adjustment. not Filed Company.
Accident 8 45,808.50 $ 28,095.00 8 46,378.50
Employers' Liability 93,350.00 464,550.00
Burglary 19,300.04 3,150.00
Fidelity and Surety 16,070.91 12,676.32'
Plate Glass 10,568.99
Steam Boiler 1,132.34
Totals 8 1S6.230.78 S 28,095.00 8 526,754.82
Aggregate of unpaid claims $ 741, 080. 60
Total unearned premiums 1, 859, 134. 49
Contingent fund 150, 000. 00
Salaries, rent, expenses, taxes, fees, etc 43,004.38
Total liabilities, except casb capital and net surplus § 2, 793, 219. 47
Cash capital 250,000.00
Net surplus 892,996.13
Total $ 3, 936, 215. 60
RISKS AND PREMIUMS.
ACCIDENT.
Risks. _ Premiums.
In force at beginning of year 8 308,661,397.00 $ 1,117,076.81
Written during year 521,172,008.32 1,644,S76.63
Total 8 829,833,405.32 8 2,761,953.44
Deduct those expired and marked off as cancelled 511,976, 025. no 1,644,179.85
Balance 8 317,857,380.32 - 1,117,773.59
Deduct re-insured policies 13,333.33 85.54
Net amount in force at end of year 8 317,844,046.99 S 1,117,688.05
332
Document No. 10.
[Session
EMPLOYERS LIABILITY.
Risks. Premiums.
$ 1,177,094.16
1,678,224.27
$ 2,855,318.43
1,633,474.32
$ 1,221,844.11
2,425.65
Net amount in force at end of year S 188,164,333.34 $ 1,219,418.46
BURGLARY.
In force at beginning of year $ 180,483,333.00
Written during year 218,079,333.00
Total $ 398,562,666.00
Deduct those expired and marked off as cancelled 210,361,666.00
Balanee 5 188,201,000.00
Deduct re-insured policies 36,666.66
In force at beginning of year-
Written during year
Risks.
_$ 32,654,014.51
46,545,363.81
Premiums.
265,188.07
350,340.66
Total $ 79,199,978.32
Deduct those expired and marked off as cancelled 38, 676, 413. 84
015,528.73
312,209.49
Balance $ 40,523,564.48 $
Net amount in force at end of year $ 40,523,564.48 $
FIDELITY.
303,229.24
303,229.24
Risks.
In force at beginning of year $ 46,287,801.32
Written during year 89,722,940.17
Total $ 136,010,741.49
Deduct those expired and marked off as cancelled 70,476,132.32
Balanee $ 65,534,609.17
Deduct re-insured policies 72,500.00
Net amount in force at end of year $ 65,462,109.17
PLATE GLASS.
Risks.
In force at beginning of year 5 8,835,232.05
Written during year 10,634,559.04
Total S 19,469,791.09
Deduct those expired and marked off as cancelled 10,206,640.55
Balance
Deduct re-insured policies
Net amount in force at end of year.
9,263,150.54
1,236.80
9,261,913.74
STEAM BOILER.
Risks.
In force at beginning of year 8 108,371,574.50
Written during year 97,392,668.50
Total $ 205, 764, 24:;. on
Deduct those expired and marked off as cancelled 95,(162,239.50
Balance $ 110,702,003.50
Net amount in force at end of year $ 110,702,003. .mi
Premiums.
$ 175,885.71
352,855.51
$ 528,741.22
232,464.34
$. 296.276.88
321.00
$ 295,955.88
Premiums.
196,904.56
252,414.62
449,319.18
229,822.54
219,496.64
24.70
219,471.94
Premiums.
507,084.36
379,041.66
886,126.02
366,382.58
519,743.44
519.743.44
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Losses Losses
Paid. Incurred.
2,158.26 $ 2,158.26
Risks
Written.
Accident 8 4,465,875.00
Employers' Liability 1, Win, nun. no
Burglary 118,960.00
Fidelity and Surety 25,250.00
Plate Glass 45,067. L0
Steam Boiler 1,179,000,00
Premiums
Received.
1n,840.28
11,787.93
866.34
133.35
1,096.71
4,523.23
4,119.09
4,119.09
375.25
10,048.40
375.25
10,048.40
Aggregate $ 7,434,152.10 S 29,247.84 % 16,701.00
16,701.00
1903.] Document No. 10. 333
FIDELITY AND DEPOSIT COMPANY OF MARYLAND.
Located at Baltimore, Md. Incorporated 1S90. Commenced Business 1890.
Edwin Warfield, President. Herman E. Bosler, Secretary.
Cash capital, SI, 500, 000.
Amount of net or ledger assets December 31, 1899 $ 4, 120, 325. 25
INCOME.
Premiums collected during year $ 1,162,003.00
Deduct re-insurance, rebate, abatement and return premiums 23,740.53
Net cash received for premiums 1, 138, 262. 47
Rents S 38,453.32
Interest on bonds and dividends on stocks 135,671.43
Total rents and interest '. 174, 124. 75
Commissions, safe deposits, etc 73,743.53
Total income S 1,386, 130.75
Aggregate last balance and income $ 5, 506, 456. 00
DISBURSEMENTS.
Gross amount paid for matured claims $ 131,867.34
Deduct re-insurance, abatement and return premiums 60,607.48
Net amount paid for losses 371, 259. 86
Paid stockholders for interest or dividends ? 262,417.50
Commissions to agents 27it,261.34
Inspections and adjusting 51,894.12
Salaries of officers and home-office employees 77,835. ui
Taxes, fees and licenses 52,319.11
Rent 7,924.98
Legal expenses, real estate repairs, etc. 29,110.02
Furniture, fixtures, advertising, printing and stationery 21,396.38
All other expenses 69,065.94
Total miscellaneous expenses 851, 254. 43
Total disbursements - $ 1, 222,514.29
Balance $ 4,283,941.71
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate g 600,000.00
Book value of stocks and bonds 3,364,357.00
Casb in company's office 41,613.11
Cash in bank 277,971.57
Total net or ledger assets $ 4, 283, 941. 71
334 Document No. 10. [Session
OTHER ASSETS.
Net amount of outstanding premiums $ 97, 372. 08
Total admitted assets $ 4,381,313.79
LIABILITIES.
UNPAID LOSSES.
Resisted by
Principals on
Claims An- Known or Esti- Bonds not Ad-
justed and In Process of mated — Proofs mittf.d bt
not Paid. Adjustment. not Filed. Company.
Fidelity and Surety-S 4,479.89 8 25,872.94 S 19,254.87 $ 105,555.39
Aggregate of unpaid claims 155, 163. 09
UNEARNED PREMIUMS.
On risks running one year or less —
Gross Unearned
Premiums. (50 per cent.).
Fidelity and Surety $ 1,300,496.78 $ 650,248.39
Total unearned premiums 650, 248. 39
Total liabilities, excepting cash capital and net surplus $ 805, 411. 48
Cash capital 1, 500, 000. 00
Net surplus 2, 075, 902. 31
Total liabilities $ 4,381,313.79
RISKS AND PREMIUMS.
FIDELITY.
Risks.* Premiums.
In force at beginning of year $ 147,663,874.65 $ 723,874.11
Written during year 208,002,041.00 825,035.18
Total $ 355,725,915.65 $ 1,548,909.29
Deduct expirations and cancellations 181,117,006.00 835,436.05
Net amount in force at end of year $ 174,608,909.65 $ 713,473.24
SURETY.
Risks. Premiums.
In force at beginning of year $ 66,537,000. on $ 500,504.55
Written during year 40,984,324.00 310,286.47
Total $ 107,521,324.00 $ 810,791.02
Deduct expirations and cancellations 20,328,950.00 223,767.48
Net amount in force at end of year $ 87,192,374.00 $ 587,023.54
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Risks Premiums Losses Losses
Written. Received. Paid. Incurred.
Fidelity $ 831,250.00 $ 3,412.55 $ $
Surety 200,000.00 2,720.34 715.75
Aggregate $ 1,031,250.00 $ 6,133.89 $ 715.75 $-
1903.] Document No. 10. 335
HERTFORD STEAM BOILER INSPECTION AND INSUR-
ANCE COMPANY OF CONNECTICUT.
Located at Hartford, Conn. Incorporated 1866. Commenced Business 1866.
J. M. Allen, President. J. B. Pierce, Secretary.
Cash capital, $500, 000.
Amount of net or ledger assets December 31, 1899 $ 2,214,292.86
INCOME.
Premiums collected during year S 1,288,816.44
Deduct re-insurance, abatement, rebate and return premiums— 140,776.30
Net cash received for premiums 1, 148,040. 14
Interest on loans on mortgages $ 16,267.67
Interest on bonds and dividends on stocks 89,755.52
Interest on other debts and deposits 4, 018.63
Total interest 110,041.82
Profit on sales or maturity of ledger assets S 21,304.80
Special mechanical services 3, 031.35
24, 336. 76
Total cash income $ 1. 288 > 2 " 6 - 05
Aggregate last balance and income $ 3, 502, 568. 91
DISBURSEMENTS.
Net cash paid for losses -— 109, 331. 53
Paid stockholders interest on dividends $ 80,000.00
Commissions to agents 276,519.37
Salaries and expenses of agents not on commission account 113,169.99
Inspections 389,200.87
Salaries and fees of officers and home-offiee employees 51,200.50
Taxes, fees and licenses 30,061.16
Rents 4,7on.iiu
Legal expenses 3,951.18
Furniture, fixtures, advertising, printing and stationery 38,423.04
Losses on ledger assets sold or matured under book value 10,431.28
Office expenses 2,254.63
Profit and loss in re-adjusting real estate account _ 13,557.51
Total miscellaneous expenses 919, 962. 02
Total disbursements $ 1, 122, 851. 06
Balance $ 2,379,717.85
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate S 30,712.00
Loans on mortgages on real estate 458,450.00
Book value of stocks and bonds 1,736,064.00
Cash in company's office 20,322.25
Cash in bank.. 129,746.12
Allother 4,423.48
Total net ledger assets $ 2, 379, 717. 85
336 Document No. 10. [Session
OTHER ASSETS.
Total outstanding interest $ 12, 616. 93
Market value of stocks and bonds over book value 85, 301. 00
Net amount of outstanding premiums 223, 391. 28
Total admitted assets $ 2,701,027.06
LIABILITIES.
Losses in process of adjustment $ 17, 851. 85
Unearned premiums —
Fifty per cent, on risks running one year or less $ 39,639.88
Pro rata on risks running more than one year 1,521,794.48
Total unearned premiums 1, 561, 434. 36
Total liabilities, except cash capital and net surplus $ 1, 579, 286. 21
Cash capital 500,000.00
Net surplus 621,740.85
Total liabilities, including cash capital and net surplus $ 2, 701, 027. 06
RISKS AND PREMIUMS.
STEAM BOILER.
Risks. Premiums.
In force at beginning of year $ 303,422,520.00 $ 2,737,703.65
Written during year 133,904,232.00 1,212,363.30
Total $ 437,320,752.00 $ 3,950,066.95
Deduct those expired and marked off as terminated 112,481,308.00 1,010,162.74
In force at end of year $ 324,845,444.00 $ 2,939,904.21
Unearned premiums computed at fifty per cent $ $ 1,469,952.10
UNEARNED PREMIUMS PRO RATA.
Year Amount Premiums Fractions Premiums
Written. Term. Insured. Thereon. Unearned. Unearned.
In 1900 1 year or less One-half $ 14,738,665.00 $ 79,279.77 $ 39,639.88
In 1899 2years One-fourth 1,807,500.00 9,072.66 2,268.16
In 1900 2 years Three-fourths 2,301,350.00 11, oil. 53 8,281.14
In 1898 3 years One-sixth 83,200,706.00 781,451.32 130,241.88
In 1899 3 years One-half 107,658,724.00 981,392.67 490,696.33
In 1900 3 years Five-sixths 113,063,579.00 1,055,106.(17 879,255.05
In 1S96 5 years One-tenth 381,000.00 4,383.50 438.35
In 1897 5 years '_ Three-tenths 389,900.00 4,133.82 1,240.14
In 1898 5 years One-half 502,000.00 5,627.87 2,813.93
In 1899 5 years Seven-tenths 477,000.00 5,070.00 3,549.00
In 1900 5 years Nine-tenths 325,000.00 3,345.00 3,010.50
Totals 8 324,845,424.00 $ 2,939,901.21 $ 1,561,434.36
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Risks written $ 2,195,000.00
Premiums received, including inspection 17,648.90
Losses paid 4,051. 11
Losses incurred 4,1 IS. 26
1903.] Document No. 10. 337
MARYLAND CASUALTY COMPANY OF MARYLAND.
Located at Baltimore, Md. Incorporated 1898, Coininenced Business 1898.
John* T. Stone, President. William Edward Tiiomsen, Secretary.
Cash capital, $750, 000.
Amount of net or ledger assets December 31, 1899 $ 1, 807, 314. 28
INCOME.
Employers'
Accident. Liability. Sprinkler.
Premiums collected during year $ 212,881.13 51,304,434.52 $ 30,716.53
Deduct re-insurance, abatement,
rebate and return premiums 37,127.45 200,436.22 2,308.88
Xet cash received for premiums_8 175,753.68 $1,103,998.30 S 28,407.65
Plate Steam
Glass. Boiler. Health
Premiums collected during year $ 81,122.77 "> 81,883.60 3 2,454.50
Deduct re-insurance, abatement,
rebate and return premiums 11,007.73 14,308.21 287.52
Net cash received for premiums-S 69,515.64 $ 67,577.39 $ 2,166.98
1,447,419.04
Interest on collateral loans $ 35,040.08
Interest on bonds and dividends on stocks 40,743.32
Interest on other debts due the company 1,090.87
Total interest 76, 880. 87
Profit on sale or maturity of ledger assets over book value 16, 312. 96
From inspection fees 40, 602. 18
From all other sources 5. 00
Total income during year $ 1, 581, 220. 05
Aggregate last balance and income $ 3,388,534.33
DISBURSEMENTS.
Employers'
Accident. Liability. Health.
Gross amount paid for matured
claims and weekly indemnity— $ 78,004.04 $ 325,121.39 $ 339.28
Sprinkler. Plate Glass. Steam Boiler.
Gross amount paid for matured
claims and weekly indemnity— $ 3,424.02 S 2S,410.29 $ 14,130.03
Net cash paid for losses 450, 030. 55
Interest or dividends to stockholders $ 89,970.25
Commissions to agents 459,951.42
Salaries and expenses of agents not on commission account 42,998.45
Salaries of officers and home-office employees 23,051.07
Medical examiners' fees and inspections 101,399.32
Taxes, fees and licenses 14,409.70
Investigating claims _ 80,148.58
22
338 Document No. 10. [Session
Rents $ 4,000.00
Furniture and fixtures, advertising, printing, stationery and post-
age 15,442.01
Legal expenses 32,059.81
All other expenses 20,448.02
Total miscellaneous expenses $ 914,539.25
Total disbursements $ 1,364,569.80
Balance . $ 2, 023, 964. 53
ASSETS.
AS PER LEDGER ACCOUNTS.
Loans on bonds, stocks and other collaterals $ 603,850.00
Book value of bonds 1,192,330.38
Cash in company's office 19,723.09
Cash in bank 97,614.54
Bills receivable 3,569.50
Agents' debit balances 6,923.17
All other 100,100.00
Total $ 2,024,110.68
Deduct ledger liabilities-
Agents' credit balances $ 1 IB. 15
146. 15
Total net ledger assets $ 2,023,964.53
OTHER 'ASSETS.
Total outstanding interest 4, 430. 00
Market value of bonds and stocks over book value 52, 192.07
Unpaid
Premiums. Commissions. Net.
Accident $ 44,278.95 $ 13,283.68 $ 3(1,995.27
Employers' Liability 209,072.87 68,861.46 200,211.42
Health 448.75 67.30 381.45
Plate Glass 15,470.26 4,641.08 10,829.18
Steam Boiler 14,211.40 3,638.12 10,573.28
Sprinkler 4,181.45 1,070.45 3,111.00
Net amount of outstanding premiums 256, 101. 60
Total assets $ 2,336,688.20
Deduct non-admitted assets —
Furniture, fixtures and supplies $ 100.00
Agents' d^bit balances unsecured 6,923.17
Bills receivable unsecured 3,569.50
Total deductions 10,592.67
Total admitted assets ._$ 2, 326,095. 53
LIABILITIES.
UNPAID LOSSES.
Accident
Employers' Liability.
Health
Plate Glass
Steam Boiler
In Process op
Adjustment.
Resisted.
.$ 13,218.02
«
1,210.00
51,909.80
126,174.50
275.00
4,332.62
2,063.00
175.00
Aggregate unpaid losses $ 199,357.94
1903.] Document No. 10. 339
UNEARNED PREMIUMS.
On risks running one year or less—
Gross Unearned
Premiums. (50 per cent.).
Accident 8 144,113.36 $ 72,056.67
Employers' Liability 937,928.77 468,965.38
Sprinkler Leakage 29,593.26 14,796.63
Plate Glass 78,161.39 39,080.69
Steam Boiler 28,996.62 14,498.31
Health 2,363.50 1,181.75
Fifty per cent, on risks running one year or less 1 610,579.43
On risks running more than one year—
Gross Unearned
Premiums. (Pro rata).
Employers' Liability 8 36,326.89 8 19,562.42
Plate Glass 6,251.20 2,918.85
Steam Boiler 62,887.27 40,664.79
Pro rata on risks running more than one year 63,146.06
Total unpaid premiums $ 673, 725. 49
Unpaid dividends to stockholders 29. 75
Safety reserve 25, 000. 00
Total liabilities, except cash capital and net surplus $ 898, 113. 18
Cash capital 750,000.00
Net surplus _ 677, 982. 35
Total liabilities, including cash capital and net surplus $ 2, 236, 095. 53
RISKS AND PREMIUMS.
ACCIDENT.
Risks. Premiums.
In force at beginning of year 8 20,919,850.00 $ 91,384.16
Written during year 76, 736,300.00 233,378.90
Total 8 97,656,150.00 $ 324,763.06
Deduct expirations and cancellations 67,514,850.00 179,820.89
Balance $ 30,141,300.00 8 144,942.17
Deduct re-insured policies 239,000.00 828.81
Net amount in force at end of year $ 29,902,300.00 S 144,113.36
employers' liability.
Risks. Premiums.
In force at beginning of year 8 56,732,500.00 $ 899,572.14
Written during year 68,857,499.00 1,325,193.84
Total , 8 125,589,999.00 8 2,224,765.98
Deduct expirations and cancellations 64,722,333.00 1,248,740.97
Balance 8 60,867,660.00 8 976,025.01
Deduct ro-insured policies 75,000.00 1, 769.35
Net amount in force at end of year 8 60,792,666.00 8 974,255.66
HEALTH.
Risks. Premiums.
Written during year 8 1,065,275.00 $ 2,903.25
Total 8 1,065,275.00 8 2,903.25
Deduct expirations and cancellations 341,925.00 539.75
Net amount in force at end of year 8 723,350.00 8 2,363.50
340 Document No. 10. [Session
PLATE GLASS.
Risks*. Premiums.
In force at beginning of year $ 529,438.13 $ 25,718.49
Written during year 1,603,449.69 91,059.05
Total $ 2,132,887.82 $ 117,377.54
Deduct expirations and cancellations 633,892.46 32,964.95
Net amount in force at end of year § 1,498,995.36 $ 84,412.59
STEAM BOILER.
Risk*. Premiums.
In force at beginning of year $ 19,178,567.00 $ 55,546.57
Written during year 25,830,600.00 72,894.72
Total $ 45,009,167.00 8 128,441.29
Deduct expirations and cancellations 14,663,867.00 36,488.10
Balance $ 30,345,300.00 8 91,953.19
Deduct re-insured policies 15,000.00 69.30
Net amount in force at end of year $ 30,330,300.00 $ 91,883.89
SPRINKLER LEAKAGE.
Risks. Premiums.
In force at beginning of year $ 1,042,800.00 $ 10,958.74
Written during year ■_ 2,925,650.00 31,814.76
Total $ 3,968,450.00 $ 42,773.50
Deduct expirations and cancellations 1,222,200.00 13,067.74
Balance $ 2,746,250.00 $ 29,705.76
Deduct re-insured policies 15,000.00 112.50
Net amount in force at end of year $ 2,731,250.00 $ 29,593.26
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Risks Premiums Losses Losses
Written. Received. Paid. Incurred.
Accident $ 753,100.00 $ 2,873.68 $ 3,221.30 $ 3,221.30
Employers' Liability 142,000.00 1,776.27 264.41 264.41
Plate Glass— 10,792.30 436.36 221.18 221.18
Steam Boiler 115,000.00 309.05
Health 46,250.00 117.98
Aggregate $ 1,067,142.30 $ 5,530.84 $ 3,706.89 $ 3,706.89
1903.] Document No. 10. 341
NATIONAL SURETY COMPANY OF NEW YORK CITY.
Located at New York City. Incorporated 1897. Commenced Business 1897.
Charles A. Dean, President. Ballard McCall, Secretary.
Cash capital, $500,000.
Amount of net or ledger assets December 31, 1899 $ 1, 328, 989. 53
INCOME.
Premiums collected during year $ 053,128.40
Deduct re-insurance, abatement, rebate and return premiums 94,381.62
Net cash received forpremiums 558, 746. 78
Interest on mortgage loans 8 1,513.29
Interest on collateral loans 1,173.26
Interest on bonds and dividends on stocks 36,852.49
Interest on other debts due the company 1,049.29
Total interest 40,588.33
Profit on sale or maturity of ledger assets over book value S 4,306.25
From all othersources 53,898.99
58, 205. 24
Total income $ 657,540.35
Aggregate last balance and income $ 1,986, 529. 88
DISBURSEMENTS.
• Fidelity and
SURKTT.
Gross amount paid for matured claims S 147,632.62
Deduct re-insurance and salvage 52,503.01
Net cash paid for losses 95, 129. 61
Interest or dividends to stockholders $ 50,000.00
Commissions to agents 43,918.32
Salaries and expenses of agents not on commission account 72,384.32
Compensation of resident officers and consulting attorney's fees... 15,299.87
Salaries of officers and home-office employees 98,309.42
Taxes, licenses and fees 17,791.90
Rents 10,008.28
Legal expenses 29,657.84
Printing and stationery 13,206.52
All other expenses 76,854.67
Total miscellaneous expenses 427, 431. 14
Total disbursements $ 522,560.75
Balance $ 1, 463, §69. 13
342 Document No. 10. [Session
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate $ 11,225.00
Loans on mortgages 13,704.39
Loans on collaterals 32,000.00
Book value of stocks and bonds 1,241,903.25
Cash in company's office 1,703.14
Cash in bank 60,264.56
Furniture, safes, etc 21,772.63
Advanced on contracts (secured) 75,254.09
Tax bills 142.07
Total net ledger assets $ 1,463,969. 13
OTHER ASSETS.
Total outstanding interest 8, 416. 72
Market value of bonds and stocks over book value 14, 146. 75
Gross premiums in course of collection $ 48,804.17
Unpaid commissions thereon 4,880.42
Net amount of outstanding premiums 43, 923. 75
Total assets $ 1,530,456.35
Deduct non-admitted assets —
Furniture, fixtures and equipment $ 21,772.63
Tax bills 142.07
Total deductions 21,914. 70
Total admitted assets $ 1, 508, 541. 65
LIABILITIES.
UNPAID LOSSES.
In Process of Resisted by
Adjustment. Company.
Gross amount of claims $ 25,504.55 $ 18,037.59
Aggregate of unpaid losses $ 43, 542. 14
UNEARNED PREMIUMS.
On risks running one year or less —
Gross Unearned
Premiums. (50 per cent.).
Fidelity and Surety $ 527,974.96 $ 263,987.48
Total unearned premiums 263,987.48
Special reserve for contingent claims 21, 000. 00
For re-insurance 685. 09
Trust funds, etc 87,002.32
Total liabilities, except cash capital and net surplus $ 416, 217. 03
Cash capital 500,000.00
Net surplus 592,324.62
Total liabilities, including cash capital and net surplus $ 1, 508, 541. 65
1903.] Document No. 10. 343
RISKS AND PREMIUMS.
FIDELITY.
Risks. Premiums.
In force at beginning of year 8 58,189,983.00 $ 250,251.65
Written during year 108,335,750.00 420,979.39
Total $ 160,525,733.(111 g 671,231.04
Deduct expirations and cancellations 69, 998, 400. on 359,700.35
Balance S 96,527,327.00 $ 311,470.69
Deduct re-insured policies 4,016,000.00 12,527.47
Net amount in force at end of year $ 92,510,661.00 $ 298,943.22
SURETY.
Risks. Premiums.
In force at beginning of year $ 89,753,464.00 8 254,611.73
Written during year 82,568,991.00 232.869.49
Total 8 172,322,455.00 $ 487,481.22
Deduct expirations and cancellation* 84,599,876.00 254,517.26
Balance $ 87,722,579.00 $ 232,903.97
Deduct re-insured policies 1,163,803.00 3,932.23
Net amount in force at end of year 3 86,558,770.00 $ 229,031.74
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Risks Premiums Losses Losses
Written. Received. Paid. Incurred.
Fidelity and Surety $1,305,605.00 $ 3,420.73 $ 40.65 $ 40.65
NEW YORK PLATE GLASS INSURANCE COMPANY
OF NEW YORK.
Located at New York, N. Y. Incorporated 1891. Commenced Business 1891.
Max. Danziger, President. Major A. White, Secretary.
Cash capital, $100, 000.
Amount of net or ledger assets December 31, 1899 $ 341, 72:;. 79
INCOME.
Premiums collected during year $ 314,092.74
Deduct re-insurance, abatement, rebate and return premiums 66,013.45
Net cash received for premiums 248,079.29
Interest on bonds and dividends on stocks $ 12,193.14
Total interest 12, 193. 14
From all other sources _._ __ _ 150.35
156. 35
Total income $ 260,428. 78
Aggregate last balance and income $ 602, 152. 57
344 Document No. 10. [Session
DISBURSEMENTS.
Gross amount paid for claims $ 142,195.54
Deduct re-insurance and salvage 12,854.45
Net cash paid for losses $ 129, 341. 09
Paid stockholders interest or dividend* $ 10,000.00
Commissions to agents 78,583.89
Salaries and expenses of agents not on commission account 7,922.06
Salaries of officers and home-office employees 20,743.80
Taxes, licenses and fees 9,217.92
Losses on ledger assets sold under book value 43.75
Rents 3,209.92
Furniture and fixtures, advertising, printing and stationery 1,960.52
Legal expenses 97.30
All other expenses 8,061.56
Total miscellaneous expenses 143, 840. 72
Total disbursements $ 275,181.81
Balance $ 326,970.76
ASSETS.
AS PER LEDGER ACCOUNTS.
Loans on mortgages other than first liens $ 2,500.00
Book value of stocks and bonds 298,900.99
Cash in company's office 2,775.94
Cash in bank 22,733.83
Total net ledger assets $ 326,970.76
OTHER ASSETS.
Market value of bonds and stocks over book value 38, 724. 01
Gross premiums in course of collection 8 45,325.71
Unpaid commissions thereon 14,504.23
Total amount of outstanding premiums 30, 821. 48
Total admitted assets $ 396,516.25
LIABILITIES.
UNPAID LOSSES.
Aggregate of unpaid losses 1 3, 253. 58
Total unearned premiums 128,090.93
Cash dividends to stockholders declared but not yet due 5, 000. 00
Salaries, rent, expenses, etc 466.67
Return premiums 1, 629. 62
Total liabilities, except cash capital and net surplus $ 138, 440. 80
Cash capital 100,000.00
Net surplus 158.075.45
Total liabilities, including cash capital and net surplus $ 396, 516. 25
RISKS AND PREMIUMS.
Risks. Premiums.
In force at beginning of year 8 11,209,527.43 8 224,309.15
Written dining year 13,987,373.28 319,477.20
Total 8 25,190,900.71 $ 543,786.35
Deduct those expired and marked oft as cancelled 13,702,381.92 289,245.36
Net amount in force at end of year 8 11,494,515.79 8 254,540.99
1903.] Document No. 10. 345
BUSINESS IX NORTH CAROLINA DURING THE YEAR.
Rieks written $ 20,853.96
Premiums received 518.91
Losses paid 458.57
Losses incurred 593.57
THE PREFERRED ACCIDENT INSURANCE COMPANY
OF NEW YORK.
Located at New York City. Incorporated 1893. Commenced Business 1893.
Piiineas C. Loundsbury, President. Kimball C. Atwood, Secretary.
Cash capita], $200, 000.
Amount of net or ledger assets December 31, 1899-- $ 738, 596. 62
INCOME.
Premiums collected during year $ 1,091,586.35
E>educt re-insurance, abatement, rebate and return premiums 4,|>28.32
Net cash received for premiums 1, 087, 558. 03
Interest on bonds and dividends on stocks $ 19,841.50
Interest on other debts due the company 800.00
Total interest 20,641.50
Total income $ 1, 108, 199. 53
Aggregate last balance and income $ 1, 846, 796. 15
DISBURSEMENTS.
Net cash paid for losses 348, 386. 45
Interest or dividends to stockholders $ 12,000.00
Commissions to agents 347, 153. 02
Salaries and expenses of agents not on commission account 39,92.^. 7">
Salaries of officers and home office employees 75,785.50
Medical examiners' fees and inspections 19,313.00
Taxes, licenses and fees 18,809.70
Rents 18,5iin. i N -
Furniture and fixtures, advertising, printing and stationery 51,913.40
Legal expenses 4,227.65
All other expenses 35,359.47
Total miscellaneous expenses 622,987.49
Total disbursements $ 971, 373. 94
Balance $ 875,422.21
346
Document No. 10.
[Session
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of stocks and bonds .
Cash in company's office
Cash in bank
Agents' debit balances
Total net ledger assets
616,339.60
5,875.85
164,872.61
88,334.15
.$ 875,422.21
OTHER ASSETS.
Total outstanding interest
Market value of bonds and stocks over book value
Gross premiums in course of collection $ 126,500.00
Unpaid commissions thereon 37,050.00
Net amount of outstanding premiums
Gross assets $
Deduct non-admitted assets —
Agents' debit balances unsecured $ S8,334.15
Total deductions ~
LIABILITIES.
UNPAID LOSSES.
In process of adjustment
Known or estimated, proofs not filed
Resisted by company
43,825.00
17,175.00
17,000.00
Aggregate of unpaid losses
Total unearned premiums
Salaries, rents, expenses, etc
Total liabilities, excepting cash capital and net surplus-
Cash capital
Net surplus
2, 788. 15
20, 805. 40
88, 550. 00
987, 565. 76
88, 334. 15
Total admitted assets $ 899,231.61
78, 000. 00
430, 066. 78
2, 723. 35
510, 790. 13
200, 000. 00
18S, 441. 48
899, 231. 61
Total liabilities, including cash capital and net surplus $
RISKS AND PREMIUMS.
Risks. Premiums.
In force at beginning of year - $ 373,905,000.00 $ 645,410.00
Written during year 572,320,000.00 1,125,301.75
Total 8 946,225,000.00 $ 1,770,711.75
Deduct those expired and marked off as cancelled 544,776,000.00 969,662.51
Net amount in force at end of year f 401,449,000.00 $
801,049.24
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Risks written
Premiums received.
Losses paid
Losses incurred
2,876,000.00
5,561.25
3,076.39
3,263.89
1903.] Document No. 10. 347
STANDARD LIFE AND ACCIDENT INSURANCE
COMPANY OF MICHIGAN.
Located at Detroit, Mich. Incorporated 1884. Commenced Business 1884.
D. M. Ferry, President. E. A. Leonard, Secretary.
Cash capital, §250, 000.
Amount of net or ledger assets December 31, 1809 $ . 740, 271.00
INCOME.
Employees'
Accident. Liability. Health.
Premiums collected during year $ 855,238.52 $ 487,710.94 S 63,890.21
Deduct re-insurance, abatement, re-
bate and return premiums 175,821.29 42,051.31 10,305.71
Total ? 679,417.23 S 445,659.63 $ 53,590.50
Net cash received for premiums 1, 178, 667. 36
Rents $ 1,891.64
Interest on loans on mortgages 12,981.16
Interest on bonds and dividends on stocks 18,711.59
Interest on other debts due the company 760.54
Total rents and interest 34,347.93
From all other sources 65, 000.00
Total income during year 8 1, 278, 015. 29
Aggregate last balance and income $ 2, 027, 286. 55
DISBURSEMENTS.
Employers'
Aci ii'EXT. Liability. Health.
Gross amouut paid for claims and
weekly indemnity 8 314,318.88 s 192,845.19 $ 22,808.02
Deduct re-insurance and salvage 946.48 237.83
Total 5 313,372.40 $ 192,607.36 S 22,S08.02
Net cash paid for losses $ 528, 787. 78
Paid stockholders interest or dividends $ 10,000.00
Commissions to agents 323,574.50
Salaries and expenses of agents not on commission account 43,813.36
Salaries of officers and home-office employees 52,642.54
Medical examiners' fees and inspections 12,969.25
Taxes licenses and fees 33,758.74
Rents s.i -14.25
Furniture and fixtures, advertising, printing and stationery L5,0 14.09
Legal expenses 7,861.43
All other expenses 34,628.69
Total miscellaneous expenses 542, 926. 85
Total disbursements $ 1,071, 714.63
Balance $ 955,571.92
348 Document No. 10. [Session
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate S 87,930.43
Loans on mortgages 255,687.00
Book value of stocks and bonds 514,427.52
Cash in company's office 478.77
Cash in bank 96,223.70
Bills receivable 322.50
Agents' debit balances 502.00
Total net ledger assets $ 955,571.92
OTHER ASSETS.
Total outstanding interest 12,049.10
Market value of bonds and stocks over book value 7,603.48
Gross premiums in course of collection —
Unpaid
Premiums. Commissions. Net.
Accident $ 167,434.47 $ 46,044.48 $ 121,389.99
Employers' Liability 60,055.09 16,515.15 43,539.94
Health 21,920.96 6,028.26 15,892.70
Net amount of outstanding premiums 180, 822. 63
Total assets $ 1, 156,047. 13
Deduct non admitted assets —
Agents' debit balances unsecured $ 502.00
Bills receivable unsecured 322.50
Total deductions 824. 50
Total admitted assets $ 1,155,222.63
LIABILITIES.
UNPAID LOSSES.
In Process or Resisted by Resisted for
Adjustment. Com tan y. Employers.
Accident $ 25,930.00 $ 15,640.00 $
Employers Liability 41,100.00 96, 800. no
Health 1,055.00
Total $ 68,085.00 8 15,640.00 $ 96,800.00
Aggregate of unpaid losses $ 180, 525. 00
UNEARNED PREMIUMS.
On risks running one year or less —
Gross Unearned
Premiums. (50 per cent.).
Accident $ '596,000.40 S 298,000.20
Employers' Liability 361,572.31 180,786.16
Health 55,396.78 27,698.39
Total unearned premiums 506,485.75
Salaries, rents, expenses, etc 3,157.62
Return premiums 8, 417. 60
Re-insurance 1, 276. 14
Total liabilities, except cash capital and net surplus $ 699, 861. 11
Cash capital 250,000.00
Net surplus 205,361.52
Total liabilities, including cash capital and net surplus $ 1, 155, 222. 63
1903.]
Document No. 10.
349
RISKS AND PREMIUMS.
ACCIDENT.
Risks. Premiums.
In force at beginning of year 3 81,905,434.00 $ 508,387.08
Written during year 139, 991, 250. no 828,436.35
Total $ 221,896,684.00 $ 1,426,823.43
Deduct those expired and marked off as cancelled 133,679,034.00 821,985.19
Balance $ 88, 217, 650. on ? 604,838.24
Deduct re-insured policies 2, 076,500. on 8,837.84
Net amount in force at end of year $ 86, 141, 15n.no 8 596,000.40
employers' liability.
Risks. Premiums.
In force at beginning of year $ 45,825,000.00 $ 325,475.52
Written during year 51,322,000.00 486,050.00
Total S 97,147,000.00 - 811,525.52
Deduct those expired and marked off as cancelled 49,695,000.00 449,071.50
Balance $ 47,452,000.00 8 362,454.02
Deduct re-insured policies 230,000.00 881.71
Net amount in force at end of year $ 47,222,000.00 $
361,572.31
HEALTH.
Risks. Premiums.
In force at beginning of year $ 1,903,566.00 $ 36,241.90
Written during year 4,749,720.00 71,309.87
Total 8 6,653,286.00 $ 107,551.77
Deduct those expired and marked off as cancelled 3,593,736.00 52,154.99
Net amount in force at end of year $ 3, 059, 550. i in
55,396.78
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Risks Premiums
Written'. Received.
Accident 3 918,950.00 $ 5,497.06 $
Health __ 40,260.00 807.88
Losses
Paid.
Losses
Incurred.
1,704.65 $ 1,704.65
383.76 383.76
Aggregate.
959,210.00 $
6,304.94 $
2,088.41 $
2,088.41
350 Document No. 10. [Session
UNITED STATES FIDELITY AND GUARANTY COMPANY
OF MARYLAND.
Located at Baltimore, Md. Incorporated 1896. Commenced Business 1896.
John R. Bland, President. Gkorge R. Callis, Secretary.
Cash capital, $1, 500, 000.
Amount of net or ledger assets December 31, 1899 $ 1, 955, 586. 45
INCOME.
Fidelity and
Burglary. Surety.
Premiums collected during year S l,10fi, 060.00 $ 929,065.02
Deduct re-insurance, abatement, rebate and return
premiums 147,349.00 161, 803.21
Net cash received for premiums 776, 808. 92
Rents $ 4,306.34
Interest on mortgage loans 15.00
Interest on collateral loans 25,675.79
Interest on bonds and dividends on stocks 30,638.64
Interest on other debts due the company-— 1,462.20
Total rents and interest 62,097.97
Profit on sales or maturity of ledger assets J 8,622.32
Income from all other sources 21,921.88
30, 544. 20
Total income $ 869,451.09
Aggregate last balance and income $ 2, 825, 037. 54
DISBURSEMENTS.
Fidelity and
Burglary. Surety.
Gross amount paid for matured claims $ 25.00 $ 210,259.97
Deduct re-insurance and salvage 2l.844.8S
Total S 25.00 $ 188, 415. 09
Net cash paid for losses 188,440.09
Paid stockholders interest or dividends $ 75,000. on
Commissions to agents 177,459.09
Salaries and expenses of agents not on commission account 93,472.64
Salaries of officers and home-office employees 68,246.82
Inspections 6,612.81
Taxes, licenses and fees 47,632.25
Rents 10,372.78
Furniture and fixtures, advertising, printing and stationery 44,582.09
Legal expenses 21,861.25
All other expenses 49,984.75
Total miscellaneous expenses 595, 224. 48
Total disbursements $ 783, 664. 57
Balance I 2,041,372.97
1903.] Document No. 10. 351.
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate f 138,467.04
Loans* on mortgages 300. 00
Loans on collaterals 700,789.00
Book value of stocks and bonds 850,018.11
Cash in company's office 9,030.96
Cash in hank - 257,709.56
All other items 76,332.71
Total $ 2,123,547.38
Deduct ledger liabilities—
Cash deposited for security of risks written $ 82,174.41
82, 1/4.41
Total net ledger assets $ 2,041,372.97
OTHER ASSETS.
Total outstanding interest 16,445.36
Market value of bonds and stocks over book value 25, 623. 64
Gross premiums in course of collection —
Unpaid
Premums. Commissions. Net.
Burglary 8 12,316.17 8 2,463.23 S 9,852.94
Fidelity and Surety 203,628.65 40,725.73 162,902.92
Net amount of outstanding premiums 172, 755. 86
Total admitted assets $ 2,256, 197.83
LIABILITIES.
UNPAID LOSSES.
Known or Esti-
In Process of mated — Proofs Resisted by
Adjustment. not Filed. Company.
Fidelity and Surety 5 11,722.04 S ' 8,397.54 $ 1,050.86
Aggregate unpaid claims $ 30,271.34
UNEARNED PREMIUMS.
On risks running one year or less —
Gross Unearned
Premiums. (50 per cent ).
Burglary $ 21,864.45 $ 10,932.23
Fidelity and Surety 900,852.73 450,426.37
Total unearned premiums 461, 358. 60
Total liabilities, except cash capital and net surplus $ 491, 629. 94
Cash capital * 1,500,000.00
Net surplus 264,567.89
Total liabilities, including cash capital and net surplus $ 2, 256, 197. 83
RISKS AND PREMIUMS.
BURGLARY.
Risks. Premiums.
Written during year $ 2,591,597.96 S 23,376.77
Total $ 2,591,597.96 3 23,376.77
Deduct those expired and marked off as cancelled 197,950.00 1,492.32
Balance $ 2,393,647.96 $ 21,884.45
Deduct re-insured policies 5,000.00 20.00
Net amount in force at end of year _8 2,388,647.96 $ 21,864.45
352 Document No. 10. [Session
FIDELITY AND SURETY.
Risks. Premiums.
In force at beginning of year $ 180, 136, 534. (i7 $ 625,776.43
Written during year 232,374,942.31 961,084.96
Total $ 412,511,476.98 $ 1,586,861.39
Deduct those expired and marked off as cancelled 158,552,268.34 686,008.66
Net amount in force at end of year $ 253,959,208.64 $ 900,852.73
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Fidelity and Surety risks wiitten $ 2,184,249.48
Premiums received 10,626.52
Losses paid 720.62
Losses incurred 3,557.06
FRATERNAL ORDERS.
ABSTRACTS FROM ANNUAL STATEMENTS FILED IN THIS DEPART-
MENT, SHOWING THEIR TRANSACTIONS FOR THE
YEAR OF 1900 AND THEIR CONDITION ON
THE 31ST DAY OF DECEMBER, 1900.
>3
AMERICAN GUILD.
Home Office, Richmond, Va. Incorporated 1S90. Commenced Business 1S90.
Charles T. O'Ferrall, Supreme Governor. S. Galeski, Supreme Secretary.
Amount of net or ledger assets December 31, 1S99 $ 135, 731. 35
INCOME.
Regular monthly assessments $ 114,908.29
Total paid by members 114,908.29
Interest — 8 890.48
Rent 128.43
Dividends 933.37
Discounts 26,750.00
Sundries 1,106.17
Sick benefits 2,261.25
32, 069. 70
Total cash income $ 146, 977. 99
Aggregate last balance and income $ 282,709. 34
^ea
DISBURSEMENTS.
Paid for death claims S 48,400.00
Paid for permanent disability 2,794.65
Paid for temporary disability 3,76s. 19
Payments returned to applicants or members 37,062.51
Total paid to applicants or members 92, 025. 35
Commissions to agents $ 17,502.80
Salaries of officers 7,157.28
Salaries and other compensation of office employees 3,175.60
Rents 812.50
Taxes 103. 67
Advertising and printing 2,641.18
Postage, express and telegraph 1,244.03
Legal expenses 448.00
Governing bodies 308.20
Official publication 512.50
insurance departments 350.99
Miscellaneous 12,296.71
Total expenses 46,553.46
Total disbursements $ 138, 57S. 81
Balance * 144,130.53
356 Document No. 10. [Session
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate f 6,133.60
Loans on mortgages 6,592.02
Loans on bonds, stocks or other collateral 15,392.75
Book value of bonds and stocks 82,297.02
Cash in bank 26,512.64
Sick benefit accounts 7,202.50
Total $ 144,130.53
Deduct borrowed money 41,750.00
Total net or ledger assets $ 102, 3S0. 53
NON-LEDGER ASSETS.
Assessments actually collected by subordinate bodies 9, 693. 65
Total admitted assets $> 112,074. 18
Balance on hand to protect contracts, in addition to the right of as-
sessment, comprised under the following funds —
Mortuary $ 41,202.72
Reserve ^
„ I 60,936.01
Emergency (
Expense 241.80
Total special funds 102,380.53
EXHIBIT OF CERTIFICATES OR POLICIES.
TOTAL BUSINESS OP THE YEAR.
Number. Amount.
In force at beginning of year 4,156 f 5,151,000.00
Written during year 1,831 1,936,500.00
Total 5,987 S 7,087,500.00
Terminated during year 1,353 1,492,000.00
In force at end of year 4,634 $ 5,595,500.00
Losses and claims incurred during year 40 $ 51,000.00
Losses settled during year 40 51,000.00
Assessments collected during year $ 114,908.29
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Number. Amount.
In force at beginning of year 140 $ 264,000.00
Written during year 23 23,500.00
Total 163 $ 287,500.00
Terminated during year 27 34,500.00
In force at end of year 136 $ 253,000.00
Losses and claims incurred during year 3 5 4,000.00
Losses settled during year 3 4,000.00
Assessments collected during year $ 3,669.91
1903.] Document No. 10. 357
THE ANVIL.
Located at Savannah, Ga. Incorporated 1899. Commenced Business 1900.
D. B. Lester, President. J. Lawton Heirs, Acting Secretary.
Amount advanced by Supreme Officers to defray expenses until
association is organized $ 10, 000. 00
INCOME.
Dues for expenses $ 1,072.72
Assessment* — mortuary and reserve 2,626.30
Total cash income 3,699.02
Sum of both amounts $ 13,699.02
DISBURSEMENTS.
Paid for death claims $ 2,000.00
Total paid to members 2,000.00
Commissions to agents $ 1,687.57
Salaries of officers 800.00
Salaries and other compensation of office employees 555.71
Rent 360.00
Advertising and printing 1,071.68
Postage, express and telegraph 313.92
Miscellaneous 521.26
All other 469.28
Total expenses 5, 779. 42
Total disbursements $ 7, 779.42
Balance $ 5,919.60
ASSETS.
AS PER LEDGER ACCOUNTS.
Personal or agents' debit balances $ 324.38
Bills receivable 4,200.00
Cash in bank 1,044.83
Total net or ledger assets $ 5, 919. 60
Deduct assets not admitted —
Furniture, fixtures, safes, supplies, etc $ 493.75
Personal or agents' debit balances unsecured 324.38
Total deductions 818. 13
Total admitted assets $ 5,101.47
EXHIBIT OF CERTIFICATES OR POLICIES.
Number. Amount.
Written during year 489 $ 928,500.00
Terminated during year 107 291,500.00
In force at end of year 382 $ 634,000.00
Losses and claims incurred 2 $ 2,000.00
358
Document No. 10.
[Session
BANKERS UNION OF THE WORLD.
Located at Omaha, Neb. Incorporated 1898. Commenced Business 1898.
Thomas Ryan, Secretary.
E. C. Spinney, President.
Amount of net or ledger assets December 31, 1899 $
INCOME.
Gross amount of certificate fees $ 188.35
Assessments 62,236.85
Amount of agents' debit balances 1899 received in 1900 596.32
Medical examiners' fees 3,434.55
Total paid by members
From all other sources $ 15,310.51
Total cash income $
Aggregate last balance and income $
DISBURSEMENTS.
Paid for death claims $ 23,441.11
Paid for temporary disability 3,629.43
Paid for sick benefits 1,752.25
Payments returned to applicants or members 79.32
Total paid to members or applicants
Commissions to agents $ 23,422.22
Salaries of managers and agents not paid by commission 3,070.49
Salaries of officers 523.33
Salaries and other compensation of office employees 3,652.23
Salaries or fees paid medical supervisors 1,710.81
Rent 1,188.00
Advertising and printing 4,286.54
Postage, express and telegraph 1,896.34
Legal expenses 130.70
Official publication 2,799.37
Insurance departments 605.55
Miscellaneous 1,321.61
Supplies 1,134.56
All other items 6,595.87
Total miscellaneous expenses —
Total disbursements $
Balance $
ASSETS.
AS PER LEDGER ACCOUNTS.
Mortgage loans on real estate $ 2,500.00
Personal or agents' debit balances 1,085.64
Cash in office 2,104.54
Cash in bank 2,783.10
Total $ 8,473.28
Deduct ledger liabilities 519.94
Total net or ledger assets $
7, 426. 49
66, 456. 07
15, 310. 51
81,766.58
89, 193. 07
28,902.11
81,239.73
7, 953. 34
7, 953. 34
1303.]
Document No. 10.
359
NO N*- LEDGER ASSETS.
Income, supplies, furniture and fixtures $ 1,897.25
Advances to agents and others to be repaid 3,285.21
Assessments actually collected by subordinate bodies 8,975.00
Printing plant owned by association 2,325.00
Total admitted assets $
LIABILITIES.
Losses in process of adjustment or reported $ 3,584.00
Total liabilities $
Balance $
EXHIBIT OF CERTIFICATES OR POLICIES.
TOTAL BUSINESS OF THE YEAR.
Number.
In force at beginning of year 5,956 $
Written during year 13,097
Total 19,053 $
Terminated during year 1,202
In force at end of year 17,851 $
Losses and claims unpaid at beginning of year 1 $
Losses and claims incurred 279
Total 280 «
Losses and claims paid 264
Unpaid at end of year 16 $
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Number.
In force at beginning of year 29 $
Written during year 176
Total 205 $
Terminated during year 17
In force at end of year 188 $
16, 482. 46
24, 435. 80
3, 584. 00
20, 851. 80
Amount.
5,234,400.(10
13,187,750.00
18,422,150.00
1,128, 400.00
17,293,750.00
950.00
31,456.79
32,406.79
28,822.79
3,584.00
Amount.
22,200.00
213,900.00
236,100.00
14,300.00
221,800.00
360 Document No. 10. [Session
FAMILY PROTECTIVE UNION.
Home Office, Boston, Mass. Incorporated 1894. Commenced Business 1894.
I. K. Mackenzie, President. E. E. Knight, Secretary.
Amount of net or ledger assets December 31, 1899 $ 1, 542. 59
INCOME
WITHOUT DEDUCTIONS.
Dues for expense , etc. $ 8,891.23
Assessments —
Mortuary 2,238.20
Reserve 100.65
Disability 1,381.55
Total paid by members 12,611.63
From all other sources ft 50.45
50.45
Total income during year $ 12,662.08
Aggregate last balance and income $ 14, 204. 67
DISBURSEMENTS.
Paid for death claims ft 1,403.47
Paid for temporary disability 1,271.25
Payments returned to applicants or members 12.90
Total paid to members or applicants 2, 687. 62
Commissions to agents ft 1,878.39
Salaries and traveling expenses of officers 2,993.48
Salaries and other compensation of office employees 741.5(1
Salaries or fees of medical supervisors 270.00
Rent 519.52
Advertising, supplies and printing 591.34
Postage, express and telegraph 451.95
Legal expenses and inspections 209.15
Governing bodies 339.35
Official publication 100.00
Insurance departments 130.35
Miscellaneous 882.07
All ot.her 2,113.47
Total miscellaneous expenses 9, 107. 70
Total disbursements $ 11,795.32
Balance 1 2,409.35
ASSETS.
AS PER LEDGER ACCOUNTS.
Cash in office ? 657.00
Cash in bank 1,752.35
Total assets $ 2,409.35
1903.]
Document No. 10.
361
LIABILITIES.
Losses in process' of adjustment $ 500.01
Total liabilities I 500.01
Balance on hand to protect contracts, in addition to the light of as-
sessment, comprised under the following funds —
Mortuary S 1,169.53
Reserve 724.40
Disability 267.00
Expense 248.42
Total special funds 2,409.35
EXHIBIT OF CERTIFICATES OR POLICIES.
TOTAL BUSINESS OF THE YEAR.
Number. Amount.
In force at beginning of year 1,399 ? 1,239,500.00
Written during year 1,151 833,500.00
Total 2,550 $ 2,073,000.00
Terminated during year 1,113 928,000.00
In force at end of year 1,437 $ 1,145,000.00
Losses and claims unpaid at beginning of year 7 $ 2,000.25
Losses and claims incurred 161 3,271.27
Total lf>8 $ 5,271.52
Losses and claims settled 161 2,674.72
Losses and claims unpaid at end of year 3 $ 1,500.01
Assessments collected during year 4 $ 3,720.40
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Number. Amount.
In force at beginning of year 91 $ 91,000.00
Written during year 01 58,500.00
Total 152 $ 149,500.00
Terminated during year 28 24,000.00
In force at end of year 124 $ 125,500.00
Losses and claims unpaid at beginning of year 1 $ 166.67
Losses and claims incurred 27 205.00
Total 28 $ 371.67
Losses and claims settled 27 205.00
Assessments collected during year 4 $ 490.55
362 Document No. 10. • [Session
THE FRATERNITIES' ACCIDENT ORDER.
Home Office, Philadelphia, Pa. Incorporated 1895. Commenced Business 1895.
D. E. Stevens, Grand Councilor. E. S. Cook, Secretary.
Amount of net or ledger assets December 31, 1899 $ 11,082.81
INCOME.
WITHOUT DEDUCTIONS.
Membership and certificate fees $ 105.75
Assessments 43,381.57
Medical examiners' fees 24.50
Total paid by members 43,511.82
Interest $ 196.20
Sundries 22.20
218. 46
Total cash income $ 43,730.28
Aggregate last balance and income $ 54, 813. 09
DISBURSEMENTS.
Paid for death claims __ $ 2,400.00
Paid for temporary disability 13,112.09
Payments returned to applicants or members 149.37
Total paid to members or applicants 15,661.46
Commissions to agents $ 5,610.15
Salaries of managers and agents not paid by commission 5,360.25
Salaries of officers 6,024.94
Salaries and other compensation of office employees 2,263.23
Medical examiners' fees 25.00
Rent 810.00
Advertising and printing 683.35
Postage, express and telegraph 1, 068.87
Insurance departments 205. 98
All other 5,609.08
Total miscellaneous expenses 26,386.00
Total disbursements $ 42, 047. 46
Balance $ 12,765.63
ASSETS.
AS PER LEDGER ACCOUNTS.
Cash in office $ 922.77
Cash in bank 11,842.86
Total net or ledger assets $ 12, 76-5. 63
1903.] Document No. 10. 363
NON-LEDGER ASSETS.
Furniture and regalia $ 842.31
Total non-ledger assets $ 842. 13
Gross assets $ 13,607.76
Deduct assets not admitted $ 842.13
842. 13
Total admitted assets $ 12,765.63
EXHIBIT OF CERTIFICATES OR POLICIES.
TOTAL BUSINESS OF THE YEAR.
Number. Amount.
In force at beginning of year 5,355 $ 17,303,000.00
Written during year 4,290 10,123,500.00
Total 9,045 $ 27,426,500.00
Terminated during year 2,934 8,185,500,00
In force at end of year 6,711 $ 19,241,000.00
Losses and claims incurred 303 $ 15,512.09
Losses and claims settled 303 15,512.09
Assessments collected during year 4 $ 43,381.57
BUSINESS IN NORTH -CAROLINA DURING THE YEAR.
Number. Amount.
In force at end of year 24 $ 87,000.00
Losses and claims incurred 1 $ 35.71
Losses and claims settled 1 35.71
Assessments collected during year 4 $ 194.10
IMPROVED ORDER HEPTASOPHS.
Home Office, Baltimore, Md. Incorporated 1878. Commenced Business 1878.
M. G. Cohen, Supreme Archon.
Samuel H. Tattersall, Supreme Secretary.
Amount of net or ledger assets December 31, 1899 $ 44,079.92
INCOME.
WITHOUT DEDUCTIONS.
Membership fees $ 57,225.55
Assessments-
Mortuary : 1,000,073.10
Expense 74,917.44
Medical examiners' fees paid by applicant 14,298.00
Total paid by members 1, 146, 514. 15
364 Document No. 10. [Session
Interest $ 1,077.94
Organizers 1,360.78
Subordinate Conclaves, for supplies 1,154.81
$ 3, 593. 53
Total cash income $ 1, 150, 107. 68
Aggregate last balance and income $ 1, 194, 187. 60
DISBURSEMENTS.
Paid lor death claims $ 995,011.44
Payments returned to applicants or members 47,005.00
Total paid to members or applicants 1,042,616.00
Commissions to agents $ 13,189.86
Salaries of managers and agents not paid by commission 15,944.92
Salaries and traveling expenses of officers and district deputies 20,950.40
Salaries and other compensation of office employees 4,913.80
Medical examiners' and supervisors' salaries or fees 14,298.00
Rent 1,591.75
Taxes 8.40
Advertising and printing 3,040.02
Postage, express and telegraph 2,187.76
Legal expenses 2,937.25
Governing bodies 254.33
Official publication 12,489.58
Insurance departments 485.38
All other 7,535.49
Total miscellaneous expenses 99, 832. 94
Total disbursements $ 1, 142,449.38
Balance $ 51, 738. 22
ASSETS.
AS PER LEDGER ACCOUNTS.
Cash in bank $ 51,738.22
Total net or ledger assets $ 51, 738. 22
NON-LEDGER ASSETS.
Contingent funds in hands of Supreme Officers $ 2,650.00
Due from subordinate Conclaves for supplies 130.85
Assessments actually collected by subordinate bodies 76,373.28
Total non- ledger assets 79, 154. 13
Total admitted assets $ 130,892.35
LIABILITIES.
Lcsses adjusted, not due $ 19,000.00
Losses in process of adjustment or reported 25,000.00
Losses resisted 18,000.00
Total liabilities $ 62,000.00
Balance on hand to protect contracts, in addition to the right of as-
sessment, comprised under the following funds —
Mortuary _ $ 7,519.68
Expense 46,999.39
Total special funds 54,519.07
1903.] Document No. 10. .-565
EXHIBIT OF CERTIFICATES OR POLICIES.
TOTAL BUSINESS OF THE YEAR.
Number. Amount.
In force at beginning of year 52,830 $ 89,384,000.00
Written during year 9,401 13,195,000.00
Total 62,231 $ 102,579,000.00
Terminated during year 7,129 10,885,000.00
In force at end of year 55, 102 $ 91, 694, 01 10. 00
Losses and claims unpaid at beginning of year 19 $ 40,11(111.011
Losses and claims incurred 601 1,039,000.00
Total 620 $ 1,079, .00
Losses and claims settled 591 1,017,000.00
Losses and claims unpaid at end of year 29 $ 62, (ion. mi
Ass< --ments collected during year 13 $ 1,000,073.16
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Number. Amount.
In force at beginning of year 951 $ 1,808,000.00
Written during year 172 314,000.00
Total 1,123
Terminated during year 139
In force at end of year 984
Losses and claims incurred 11
Losses and claims settled 10
Losses and claims unpaid at end of year 1
Assessments collected during year 13
$
2,122,000.00
241,0(111.(111
8
1,881,0(1(1.110
$
IS. (Kio.iio
16,0011.(10
8
2,000.00
8
17,859.60
KNIGHTS OF HONOR.
Home Office, St. Louis, Mo. Incorporated 1884. Commenced Business 1873
D. S. Biggs, President. Noah M. Giyan, Secretary.
Amount of net or ledger assets December 31, 1899 $ 77,745.49
Less balance of all ledger assets 15,370.83
$ 62, 374. 66
INCOME.
WITHOUT DEDUCTIONS.
Dues for expenses $ 103,123.18
Mortuary assessments 3,442,662.10
Total paid by members 3, 545, 785. 28
Intere-t $ 4,869.53
From all other sources 3,418.75
8, 2SS. 28
Total cash income $ 3, 554,073. 56
Aggregate last balance and income $ 3, 616, 44S. 22
366 Document No. 10. [Session
DISBURSEMENTS.
Paid for death claims $ 3,433,877.29
Total paid to members or applicants $ 3, 433, 877. 29
Commissions to agents $ 9,041.15
Salaries of officers 10,30(1.00
Traveling expenses of officers 1,505.76
Salaries and other compensation of office employees 14,312.00
Salaries or fees to medical supervisors 2,500.00
Rent, taxes, advertising and printing 3,995.05
Postage, express and telegraph 1,516.00
Legal expenses 7,177.22
Governing bodies 20,057.56
Official publication 2,708.34
Insurance departments 1,141.45
Supreme Lodge session 14,187.80
All other 3,934.87
Total miscellaneous expenses 92, 377. 20
Total disbursements $ 3, 526, 254. 49
Balance $ 90,193.73
ASSETS.
AS PER LEDGER ACCOUNTS.
Cash in office of'Supreme Secretary $ 1,257.02
Cash in Mississippi Valley Trust Company 336.96
Cash in bank 123,634.86
On deposit as bond and tender of return of assessments in con-
tested cases v - 40,257.21
Total $ 165,486.65
Deduct ledger liabilities-
Outstanding warrants 75,292.32
Total net or ledger assets $ 90, 193. 73
NON-LEDGER ASSETS.
Due from Grand Lodges $ 696.46
Furniture, supplies, etc 10,806.00
R. J. Breckenridge (judgment) 2,691.05
Assessments actually collected by subordinate bodies 271,000.00
Total non-ledger assets 285,193.51
Total gross assets $ 375,387.24
Deduct assets not admitted —
Furniture, supplies, etc. $ 10,806.00
R. J. Breckenridge (judgment) 2,691.05
Total deductions 13,497.05
Total admitted assets I 361, 890. 19
LIABILITIES.
Losses adjusted, due and unpaid $ 26,066.67
Losses adjusted and not yet due 324,500.00
Losses in process of adjustment or reported 180,000.00
Losses resisted 51,000.00
Total outstanding losses $ 581, 166. 67
1903.] Document Xo. 10. 367
Supplies, printing, etc * 61A49
Total liabilities $ 5 82, 791. 16
Balance * 220,900.97
Comprised under the following funds-
Mortuary * 28,142.95
General 32,694.36
Relief 139 - 53
Appeal circular 331.75
Supreme Secretary l,o93.9S
Total special funds 62, 902. 57
EXHIBIT OF CERTIFICATES OR POLICIES.
TOTAL BUSINESS OF THE YEAR.
Number. Amount.
In force at beginning of year 66,S63 S 118,496,000.00
Written during year 3,125 3,295,500.00
Total _ 69,988 $121,764,500.00
Terminated dwiiig^eaV '""--"-" 10 ' u5G 16,628,000.00
In force at end of year _59,932 8 105,136,500.00
Losses and claims unpaid at beginning of year 260 488,766.67
Losses and claims incurred 1,784 3, 296, 27 1. 29
Tota l 2,044 S 3,785,043.96
Losses and claims settled 1 < S5i 3,433,877.29
Losses and claims unpaid at end of year 19u $ 351,166.67
Assessments collected during year $ 3, 442,662.10
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Number. Amount.
In force at beginning of year i, 0155 8 1,962,000.00
Written during year %_ 4,000.00
Total- 1,068 3 1,966,000.00
Terminated during year 167 312,000.00
In force at end of year 901 _ $ 1,654, 500.00
Losses and claims unpaid at beginning of year 7 14,000.00
Losses and claims incurred 26 50,000.00
Tota l 33 S 64,000.00
Losses and claims settled 29 _ 56,000.00
Losses and claims unpaid at end of year 4_ $ 8,000.00
Assessments collected during year § 56,000.00
368 Document No. 10. [Session
KNIGHTS OF KADOSH.
Home Office, Des Moines, Iowa. Incorporated 1898. Commenced Business 1S98.
F. H. Pickrell, Chancellor. C. M. Chittenden, Recorder.
INCOME.
WITHOUT DEDUCTIONS.
Membership fees 3 9.00
Dues for expenses 6,494.83
Mortuary assessments 1,807.12
Total paid by members $ 8,370.95
Income from all other sources 5, 405. 38
Total income $ 13, 776. 33
DISBURSEMENTS.
Paid death claims 3 1,670.27
Paid temporary disability 50.00
Payments returned to applicants or members 5.65
Total paid members or applicants 1,725.92
Commissions to agents 3 3,485.02
Salaries and other compensation of office employees 877.15
Salaries or fees paid medical supervisors 320.80
Rents, advertising and printing 1,104.34
Postage, express and telegraph 412.59
Official publication 257.57
Insurance departments 56.35
All other 724. 82
Total miscellaneous expenses
Total disbursements
Balance
ASSETS.
AS PER LEDGER ACCOUNTS.
Cash in office 3 • 3,049.59
Cash in bank 1,762.18
Total $ 4,811.77
Deduct ledger liabilities —
Agents' credit balances 3 4,000.00
Borrowed money 350.00
4, 350. 00
7, 238. 04
i
8, 964. 56
$
4,811.77
Total net or ledger assets $ 461. 77
1903.] Document No. 10. 369
NON-LEDGER ASSETS.
Assessments and dues actually collected by subordinate bodies $ 2,477.93
Total non-ledger assets § 2, 477. 93
Gross assets S 2, 939. 70
Deduct assets not admitted —
Excess of assets over liabilities 3 728.19
728. 19
Total admitted assets 1 2, 211. 51
LIABILITIES.
. Losses in process of adjustment or reported 8 1,623.07
Advance assessments 126.67
Total liabilities $ 1,749.74
Balance $ 461.77
Balance on hand to protect contracts, in addition to the right of as-
sessment, comprised under the following funds —
Mortuary 9 147.22
Expense 314.55
Total special funds 461. 77
EXHIBIT OF CERTIFICATES OR POLICIES.
TOTAL BUSINESS OF THE YEAR.
Number. Amount.
In force at beginning of year 341 8 510,"
Written during year 2,943 4,698,500.00
Total 3,284 S 5,209,000.00
Terminated during year 682 911, inn. no
In force at end of year 2,602 3 4,297,500.00
Losses and claims incurred 11 3 2,870.27
Losses and claims settled 1,720.27
Losses and claims unpaid at end of year 4 3 1,623.07
\->essments collected during year 12 3 7,468.45
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Number. Amount.
Written .luring year 209 $ 389,500.00
Terminated during year 3 6,000.00
In force at end of year 200 3 383, »
Assessments collected during year 12 3 206. 11
24
370 Document No. 10. [Sessiou
KNIGHTS AND LADIES OF HONOR,
Home Office, Indianapolis, Ind. Incorporated 1878. Commenced Business 1877.
L. B. Lockard, President, C. W. Harvey, Secretary.
Amount of net or ledger assets December 31, 1899 $ 37, 549. 92
INCOME.
WITHOUT DEDUCTIONS.
Dues for expenses $ 27,901.50
Assessments —
Mortuary 1,205,127.72
Expense 72,440.09
Total paid by members $ 1,305,469.31
Interest 235.!)'.i
Fines, etc 220.57
Expenses refunded, supplies, etc 4,52S.07
All other sources 911.01
Total cash income 1, 371, 372. 15
Aggregate last balance and income $ 1, 408, 922. 07
DISBURSEMENTS.
Paid death claims $ 1,207, 074. (in
Payments returned to beneficiary of deceased member 211.20
Total paid to members or applicants 1, 267, 885. 20
Commissions to agents and lodges $ 58,707.00
Salaries and expenses of managers not paid by commission 9, 539.01
Salaries and commissions to Grand Lodge to be repaid 1,01". no
Salaries and other compensation of officers and committees 10,902.16
Salaries and other compensation of office employees 12,444.05
Salaries paid Supreme medical supervisors 2,500. on
Rent, taxes and advertising 2,717.68
Postage 1,401.24
Legal expenses 2,280.03
i ifficial publication.- 8, 950. on
Insurance departments 303.110
Per capita tax refunded 103.50
Supplies and office furniture 8,688.31
All other items 4, 027.98
Total miscellaneous expenses 123, 634. 56
Total disbursements $ 1,391,519.76
Balance $ 17, 402. 31
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate $ 3,834.00
Book value of office furniture 2,000.03
Grand Lodge and agents' debit balances 1,804.29
Bills receivable 1,450.00
Cash in bank 8,307.09
Total net or ledger assets $ 17, 402. 31
1903.] Document No. 10. 371
Interest due 8 10.60
Per capita tax due 1,100.00
Assessments actually collected by subordinate bodies 109,800.00
Total non-ledger assets 8 110,910.60
Gross assets $ 128, 312. 91
Deduct furniture and safes (not admitted) 2, 006. 93
Total admitted assets $ 126, 305. 98
LIABILITIES.
Losses adjusted, not yet due S 20,000.00
Losses in process of adjustment 23,451.00
Losses resisted 5,500.00
Losses reported but no proofs filed 62,000.00
Expenses, taxes, bills, accounts, fees, etc., due and accrued 178.28
Total liabilities 5 111, 129. 28
Balance I 15,176.70
Comprised under the following funds —
Mortuary S 108,382.49
Expense 17,923.49
Total 8 126,305.98
Less liabilities 111,129.28
Total special funds 15, 176. 70
EXHIBIT OF CERTIFICATES OR POLICIES.
TOTAL BUSINESS OF THE YEAR.
Number. Amount.
In force at beginning of year 51,799 S 61,660,000.00
Written during year 8,955 7,704,000.00
Total OH, 754 $ 09,424,000.00
Terminated during year 10,969 12,212,000.00
In force at end of year 49,785 $ 57,212,000.00
Losses and claims unpaid at beginning of year 165 S 221,250.00
Losses and claims incurred during year.. 905 1,163,000.00
Total 1,130 $ 1,384,250.00
Losses and claims settled 1,042 1,273,299.00
Losses and claims unpaid at end of year 88 $ 110,951.00
Assessments collected during year 12 $ 1,265,127.72
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Number. Amount.
In force at beginning of year 339 8 537,500.00
Written during year 49 42,500.00
Total 388 S 580,000.00
Terminated during year 84 102,000.00
In force at end of year 304 $ 478,000.00
Losses and claims unpaid at beginning of year 1 I l.nuo.00
Losses and claims incurred 9 17,000.00
Total 1" 8 18,0oo.uo
Losses and claims settled 10 18, 000. on
Assessments collected during year 12 - 15,227.98
372 Document No. 10. [Session
KNIGHTS OF THE MYSTIC CHAIN.
Home Office, Lynchburg, Va. Incorporated 1896. Commenced Business 1899.
James L. Martin, Acting President. Thomas J. Ingram, Secretary.
Amount of net or ledger assets December 31, 1899 $ 356. 07
INCOME.
WITHOUT DEDUCTIONS.
Membership fees § 1,917.00
Dues for expenses 187.52
Dues for accident fund 855.20
Total paid by members 2,989.72
Interest § 8.50
Paraphernalia 749.85
75S. 35
Total cash income 1 3, 748.07
Aggregate last balance and income $ 4, 104. 14
DISBURSEMENTS.
Paid death claims $ 200.00
Paid temporary disability 24.<>o
Total paid to applicants or members 224. 00
Salaries and other compensation of officers $ 1,052.00
Salaries and other compensation of office employees 110. oo
Advertising and printing G27.32
Postage, express and telegraph 49.75
Insurance departments 46.60
All other . 1,437.98
Total miscellaneous expenses 3, 323. 65
Total disbursements $ 3,547.65
Balance § 556.49
ASSETS.
AS PER LEDGER ACCOUNTS.
Personal or agents' debit balances $ 455.35
Cash in bank 703.45
Total $ 1,158.80
Deduct borrowed money 602.31
Total net or ledger assets $ 556.49 J
NON-LEDGER ASSETS.
Estimated dues collected by subordinate bodies 400. 00
Total admitted assets $ 956. 49
1903.] Document No. 10. 373
LIABILITIES.
Balance on hand to protect contracts, in addition to the right of as-
sessment, comprised under the following funds —
Mortuary 8 495.05
Expense 208.40
Total special funds $ 703. 45
(Note. — No accident or life insurance policies reported in force. All members are now practi-
cally social).
KNIGHTS OF PYTHIAS (ENDOWMENT RANK).
Home Office, Chicago, 111. Re-incorporated 1894. Commenced Business 1877.
C. F. S. Neal, President. Charles H. Kessler, Secretary.
Amount of net or ledger assets December 31, 1899 $ 488, 457. 69
INCOME.
WITHOUT DEDUCTIONS.
Gross amount of membership fees $ 15,218.50
Assessments for expenses 70,027.40
Dues for expenses, per capita tax, etc 68,844.41
Assessments— mortuary 1,339,581.03
Certificate, card and other fees 3,805.07
Total paid by members 1,497,476.41
Interest $ 6,969.25
Rent 21,875.00
All other 1,000.00
29, 844. 25
Total income during year $ 1, 527, 320. 66
Aggregate last balance and income $ 2, 015, 778. 35
DISBURSEMENTS.
Paid for death claims 5 1,334,091.36
Membership fees retained by subordinate branches 15,218.50
Payments returned to applicants or members 6,907.39
Total paid to members or applicants 1, 356, 217. 25
Commissions to agents $ 53,215.00
Salaries of officers 6,050.00
Salarie and other compensation of office employees 12,325.00
Medical examiners' and supervisors' fees 31,158.75
Rent 3,320.04
Advertising and printing 6,189. 17
Postage, express and telegraph 4,251.87
374 Document No. 10. [Session
Legal expenses $ 8,527.13
Governing bodies 1,233.80
Official publications 1,238.75
Insurance departments 361.00
All other 27,451.15
Total miscellaneous expenses $ 139, 709. 93
Total disbursements : § 1, 495, 927. 18
Balance $ 519,851. 17
Amount charged off of books December 31, 1900 7,000.00
Net balance $ 512,851. 17
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate 5 38,104.14
Mortgage loans on real estate, first liens 36,737.77
Loans on stocks, bonds or other collateral 2,521.72
Book value of bonds and stocks 24,800.00
Cash in bank 42,974.80
Balance due on claim City National Bank, Fort Worth, Texas 91,539.03
Lexington Hotel investment 231,133.71
Lexington Company furniture investment 44, 950.00
Total net or ledger assets $ 512,851. 17
NOX-LEDGER ASSETS.
Interest due and accrued S 3,737.32
Value of Lexington Hotel investment over cost 37,568.07
Market value of real estate over book value 11,895.86
Value of Lexington Company furniture investment over cost 5S,550.00
Market value of bonds and stocks over book value 1,200.00
Office furniture, safes, supplies, etc. 4,000.00
Assessments actually collected by subordinate bodies 19, 166.70
Total non-ledger assets 136, 117. 95
Gross assets 6 648,969. 12
Deduct furniture, fixtures, safes, etc $ 4,000.00
4, 000. 00
Total admitted assets s 644,969. 12
LIABILITIES.
Losses in process of adjustment or reported $ 395,350.74
Losses resisted 23,810.40
Total liabilities $ 419, 161. 14
Balance $ 225,807.98
Balance on hand to protect contracts, in addition to the right of as-
sessment, comprised under the following funds —
Mortuary 3 194,194.86
Expense 31,613.12
Total special funds 225,807.98
1903.] Document No. 10. 375
EXHIBIT OF CERTIFICATES OR POLICIES.
TOTAL BUSINESS OF THE YEAR.
Number. Amount.
In force at end of year 60,522 $ 108,389,500.00
Written during year 11,324 16,051,000.00
Total 71,816 $ 124,440,500.00
Terminated during year 5,285 S, 077,000. 00
In force at end of year 66,561 $ 116,363,500.00
Losses and claims unpaid at beginning of year 158 $ 331,634.38
Losses and claims incurred 728 1,491,000.00
Total 886 $ 1,822,631.38
Losses and claims settled 659 1,403,473.24
Losses and claims unpaid at end of year 227 $ 419,161.14
Assessments collected during year 12 $ 1,478,452.84
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Number. Amount.
In force at beginning of year 1,254 $ 2,442,000.00
Written during year 118 170,000. 00
Total 1,372 S 2,012,000.00
Terminated during year 110 175,000.00
In force at end of year 1,262 $ 2,437,000.00
Losses and claims unpaid at beginning of year 4 $ 11,000.00
Losses and claims incurred 11 21, 000. 00
Total 15 $ 35,000.00
Losses and claims settled 11 26,000.00
Losses and claims unpaid at end of year 4 $ 9,000.00
Assessments collected during year 12 $ 27,959.30
KNIGHTS TEMPLAR AND MASONS LIFE INDEMNITY
COMPANY.
Home Office, Chicago, 111. Re-incorporated 1900. Commenced Business 1884.
George M. Moulton, President. H. G. Wray, General Manager.
Amount of net or ledger assets December 31, 1899 $ 400,415.92
INCOME.
WITHOUT DEDUCTIONS.
Membership fees $ 5,826.75
Dues for expenses ls,iyo.75
Assessments —
Mortuary . 311,781.17
Expense 103,925.27
Total paid by members 8 439,723.94
Interest 19,757.43
All other 2,222.68
Total cash income 461, 704. 05
Aggregate last balance and income $ 802, 119. 97
376 Document No. 10. [Session
DISBURSEMENTS.
Paid death claims S 310,592.70
Paid permanent disability claims 4,002.80
Paid all other claims 14,876.21
Total paid to members or applicants $ 335, 847. 79
Commissions to agents 15,815.62
Salaries of officers 6,500.00
Salaries and other compensation of office employees 9,604.41
Medical examiners' fees 1, 70S. 17
Rent 4,380.00
Advertising and printing 4,161.22
Postage, express and telegraph 3,089.45
Legal expenses 3,838.55
Insurance departments 957.27
Collections 4,897.44
Furniture 1 ,451.49
Traveling expenses 10,456.23
All other 359.66
Total miscellaneous expenses 67, 309. 51
Total disbursements $ 403,157.30
Balance $ 458,962.67
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of bonds and stocks $ 450,974. no
Receiver's certificates 12,203.01
Cash in office 2,097.69
Cash in bank 25,50S.77
Total 8 490,784.37
Deduct ledger liabilities 31,821.70
Total net or ledger assets $ 458,962.67
*
NON-LEDGER ASSETS.
Market value of bonds and stocks over book value $ 16,372.60
Total non-ledger assets 16,372.60
Total admitted assets $ 475,335.27
LIABILITIES.
Losses adjusted, not yet due $ 23,000.00
Losses in process of adjustment or reported 51,607.26
Losses resisted 14,939.45
Total liabilities $ 89,546.71
Balance i $ 385, 788. 56
Balance on hand to protect contracts, in addition to the right of as-
sessment, comprised under the following fund —
Contingent $ 385,788.56
Total special funds 385,788.56
1303.] Document No. 10. 377
EXHIBIT OF CERTIFICATES OR POLICIES.
TOTAL BUSINESS OF THE YEAR.
Number. Amount.
In force at beginning of year 6,603 8 20,103,250.00
Written during year 727 1,703,500.00
Total 7,330 8 21,806,750.00
Terminated during year 1,096 3,408,500.00
In force at eud of year 6,234 8 18,398,250.00
Losses and claims at beginning of year 12 8 3fi,930.68
Losses and claims incurred 110 378,000.00
Total 122 8 414,930.68
Losses and claims settled 92 325,383.97
Losses and claims unpaid at end of year 30 $ 89,546.71
Assessments collected during year 8 415,706.44
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Number. Amount.
In force at beginning of year 852 8 2,037,49S.00
Written during year 25 37,000.00
Total 877 8 2,074,498.00
Terminated during year 79 180,000.00
In force at end of year 798 8 1,894,498.00
Losses aud claims incurred 7 8 19,000.00
Losses and claims settled 3 8,000.00
Looses and claims unpaid at end of year 4 8 11,000.00
MASONIC MUTUAL RELIEF ASSOCIATION.
Home Office, Washington, D. C. Incorporated 1869. Commenced Business 1869.
H. L. Biscoe, President. Wm. Montgomery, .Secretary.
Amount of net or ledger assets December 31, 1899 $ 12, 333. 73
INCOME.
WITHOUT deductions.
Assessments— mortuary 8 31,811.43
Total paid by members 31,811.43
Kent g 770.IHI
Loans 2,757.79
All other 194.27
:;. 722. 06
Total cash income $ 35,533.49
Aggregate last balance and income $ 47, 867. 22
378 Document No. 10. [Session
DISBURSEMENTS.
Paid death claims $ 20,302.50
Payments returned to applicants or members 10.55
Total paid to members or applicants $ 26, 313. 05
Commissions to agents f 1,308.81
Salaries of officers 1, 325.00
Salaries and other compensation of office employees 660.00
Medical examiners 580.00
Taxes 67.11
Advertising and printing 395.01
Postage, express and telegraph 443.01
Legal expenses 40.95
Insurance departments 159.07
All other items 3,843.70
Total miscellaneous expenses
Total disbursements
Balance
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate, incumbered $ 20,000.00
Personal or agents' debit balances 56.47
Bills receivable 1,500.00
Cash in office 73.48
Cash in bank 1,751.70
Office furniture 350.00
8, 822. 4(5
$
35, 135. 51
9
12,731.71
Total $ 23, 731. 71
Deduct ledger liabilities —
Borrowed money $ 1,000.00
Mortgages on property 10,000.00
11,000.00
Total net or ledger assets $ 12, 731. 71
NOX-LEDGER ASSETS.
Rents due 8 140.00
Assessments actually called and in process of collection 4,500.00
Total non-ledger assets 4,640.00
Gross assets $ 17, 371. 71
Deduct assets not admitted —
Office furniture 8 350. no
350. 00
Total admitted assets $ 17,021.71
LIABILITIES.
Losses adjusted, not yet due $ 3,800.00
Losses in process of adjustment or reported 4,547.50
Advance assessments 150.20
Total liabilities $ S. 497. 70
Balance $ 8,524.01
1903.] Document No. 10. 379
EXHIBIT OF CERTIFICATES OR POLICIES.
TOTAL BUSINESS OF THE YEAR.
Number. Amount.
In force at beginning of year 1,247 8 1,247,000.00
Written during year 263 263,000.00
Total 1,510 8 l,5U),(ii)0.no
Terminated during year 156 156,000.00
In force at end of year 1,354 $ 1,354, 000. no
Losses and claims unpaid at beginning of year 11 8 10,650.00
Losses and claims incurred 24 24,000.00
Total 35 S 34,650.00
Losses and claims settled 2(5 26,302.50
Losses and claims unpaid at end of year 9 $ 8,347.50
Assessments collected during year . 12 $ 31,811.43
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Number. Amount.
In force at beginning of year 1 $ 1,000.00
Written during year 8 8,000.00
In force at end of year 9 g 9,000.00
Regular payments 5 68.97
NATIONAL UNION.
Home Office, Toledo, Ohio. Incorporated 1881. Coroaienced Business 1881.
William L. Wild, President. J. W. Myers, Secretary.
Amount of net or ledger assets December 31, 1899 $ 222, 614. 14
INCOME.
WITHOUT DEDUCTIONS.
Membership fees 8 9, 974. 07
Dues for expenses 51,507.66
Special dues 56,556.10
Mortuary assessments 1,506,063.70
Total paid by members 8 1,624,378.13
Interest 2,406.20
Advertising 250.51
Total cash income 1,627,042.84
Aggregate last balance and income S 1, 849, 656. 98
DISBURSEMENTS.
Paid death claims 8 1,502,150.00
Total paid to members or applicants 1, 502, 150. 00
380 Document No. 10. [Session
Commissions to agents $ 59,193.52
.Salaries of officers 13,950.00
Salaries and other compensation of office employees 10,193.85
Rent 1,932.00
Taxes 16. 30
Advertising and printing 7,196.85
Postage, express and telegraph 2 313.42
Legal expenses 2,487.92
(roverning bodies 7,911.90
Official publication 6,852.84
Insurance departments 584.00
All other 9,467.21
Total miscellaneous expenses $ 122,099.81
Total disbursements $ 1, 624, 249. 81
Balance $ 225,407. 17
ASSETS.
AS PER LEDGER ACCOUNTS.
Cash in bank ,5 225,407.17
Total net or ledger assets $ 225,407. 17
Assessments actually collected by subordinate bodies 152, 000. 00
Total admitted assets $ 377,407. 17
LIABILITIES.
Losses in process of adjustment or reported $ 229,000.00
Losses resisted 19,000.00
Total liabilities $ 248,000.00
Balance $ 129,407.17
Balance on hand to protect contracts, in addition to the right of as-
sessment, comprised under the following funds —
Mortuary $ 110,716.05
Expense 18,691.12
Total special funds 129,407. 17
EXHIBIT OF CERTIFICATES OR POLICIES.
TOTAL BUSINESS OF THE YEAR.
Number. Amount.
In force at beginning of year 53,039 $ 138,977,000.00
Written during year 9,847 15,306,000.00
Total 62,886 $ 154,283,000.00
Terminated during year 4,734 9,391,000.00
In force at end of year 58,152 $ 144,892,000.00
Losses and claims unpaid at beginning of year 56 $ 156,000.00
Losses and claims incurred 550 1,598,000.00
Total 606 $ 1,754,000.00
Losses and claims settled 515 1,506,000.00
Losses and claims unpaid at end of year 91 $ 248,000.00
Assessments collected during year 10 $ 1,506,340.30
1903.] Document No. 10. 381
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Iu force at beginning of year
Written during year
Total
Terminated during year
In force at end of year
Losses and claims unpaid at beginning of year
Losses and claims incurred
Total
Losses and claims settled
Assessments collected during year
Number.
238
?
Amount.
493,000.00
353
501,000. on
591
95
8
1,054,000.00
126,000.01)
496
$
928,000.00
1
4
3
3,000.00
13,000.00
5
5
$
16,000.00
16,000.00
10
,-?
5,829.26
ROYAL BENEFIT SOCIETY.
Home Office, Washington, D. C. Incorporated 1S97. Commenced Business 1897.
Dr. Charles W. Keyes, President. George Hardisty, Secretary.
Amount of net or ledger assets December 31, 1899 $ 2, 241. 16
INCOME.
WITHOUT DEDUCTIONS.
Dues for expenses S 23,282.62
Mortuary assessments 11,184.16
Medical examiners' fees 20.85
Total paid by members S 34,487.63
Taxes returned 9. on
Total cash income 34, 496. 63
Aggregate last balance and income * 36, 737. 79
DISBURSEMENTS.
Paid for death claims - 3,792.85
Paid for temporary disability 6,955.55
Payments returned to applicants or members 255.00
Total paid to members or applicants 11, 003. 40
Commissions to agents $ 12,914.47
Salaries of managers and agents 248.00
Salaries of officers 1,860.10
Salaries and other compensation of office employees 1,533. SO
Medical examiners and supervisors 1,908.15
Rent, taxes, advertising and printing 1,724.36
Postage, express and telegraph 668.28
Legal expenses 252.23
Insurance departments 159.00
All other - 254.74
Total miscellaneous expenses 21, 523. V.)
Total disbursements $ 32, 526. 53
Balance $ 4,211.26
382
Document No. 10.
[Session
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of bonds and stocks 8 200.00
Cash in office 350.15
Cash in bank 1,623.61
In hands of Assembly Treasurer 2,037.50
Total admitted assets ' $
LIABILITIES.
Losses in process of adjustment 8 550.00
Losses resisted 250.00
Total liabilities $
Balance $
Balance on hand to protect contracts, in addition to the right of as-
sessment, comprised under the following fund —
Expense 8 3,411.26
Total special funds
EXHIBIT OF CERTIFICATES OR POLICIES.
TOTAL BUSINESS OF THE YEAR.
Number.
In force at beginning of year 2,815
Written during year : 4,357
Total 7,172
Terminated during year 2,820
In force at end of year 4,352
Losses and claims unpaid, omitted in last year's report 8
Losses and claims unpaid at beginning of year 1
Losses and claims incurred 30
Total 39
Losses and claims settled 32
Losses and claims unpaid at end of year 7
Assessments collected during year 12
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Number.
In force at beginning of year 688 $
Written during year 125
Total 1,113
Terminated during year 286
In force at end of year 827
Losses and claims unpaid at beginning of year 2
Losses and claims incurred 1 1
Total 13
Losses and claims settled 8
Losses and claims unpaid at end of year 5
Assessments collected during year 12
4, 211. 26
800. 00
3,411.26
3,411.26
Amount.
714,040.00
657,525.00
8
1,371,565.00
557,490.00
8
814,075.00
5
1,200.00
187.50
4,005.35
$
5,392. S5
4,592.85
8
800.00
8
34,466.78
Amount.
161,425.00
65,425.00
8
226,850.00
57,150.00
8
169,700.00
8 •
250.00
1,201.00
8
1,451.00
826.00
8
625.00
8
8,541.82
1903.] Document No. 10. 383
SOVEREIGN CAMP WOODMEN OF THE WORLD.
Located at Omaha, Neb. Incorporated 1891. Commenced Business 1891.
Joseph C. Root, President. John T. Yates, Secretary.
Amount of net or ledger assets December 31, 1S99 8 175, 788. 02
INCOME.
WITHOUT DEDUCTIONS.
Membership fees , 8 17,718.12
Dues for expenses, etc. 216,929.71
'>--. -sments —
Mortuary 1,708,080.26
Reserve 32,007.82
Bonds for local Camp officers 3,819.35
Total paid by members 1, 978, 555. 26
Interest S 4,430.00
Rent 2,927.40
Supplies 5,183.53
Negotiated bonds 10,000.00
Real estate aud building account 40,000.00
Galveston relief fund 13,012. Id
All other 544.49
76, 097. 52
Total cash income § 2, 054, 652. 78
Aggregate last balance and income § 2, 230, 440. 80
DISBURSEMENTS.
Paid for death claims $ 1,000,338.05
Paid for monuments 81,700.00
Bonds for local Camp officers 5,439.50
Payments returned to applicants or members 15,260.40
Total paid to members or applicants 1, 702, 744. 55
Commissions and salaries to deputies for organization $ 70,410.96
Salaries and traveling expenses of officers 15,809.28
Salaries and other compensation of office employees 30,998.85
Medical examiners and supervisors 5,025.00
Rent, supplies, advertising and printing 29,959.54
Postage, express and telegraph 12,824.90
Legal expenses 10,127.87
Mileage 4,089.61 1
Official publication 24,673.36
Insurance departments 983.65
All other items 35,400.07
Total miscellaneous expenses 242,049.04
Total disbursements $ 1,944,793.59
Balance, less negotiated bonds S 275, 647. 21
384 Document No. 10. [Session
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate .__$ 55,000.00
Due from head Camps 1,157.55
Due from Camps 9,227.19
Book value of bonds and stocks 134,724.99
Personal or deputies' debit balances 4,747.03
Cash in hands of Sovereign Banker 56,593.10
Total $ 281,100.17
Deduct personal or deputies' credit balances 5,458.90
Total net or ledger assets $ 275, 647. 21
NON-LEDGER ASSETS.
Assessments in hands of local Camps to re-instate suspended mem-
bers and advances, estimated $ 50,000.00
Sovereign Camp dues in hands of local Camps to re-instate suspended
members and advances, estimated 10,000.00
Assessments in hands of local Camps, including emergency, esti-
mated 185,000.00
Sovereign Camp dues in hands of local Camps, estimated 42,000.00
Total non-ledger assets 287, 600. 00
Grossassets $ 563, 247. 21
Deduct furniture, fixtures, safes, supplies, etc 19,673.31
Total admitted assets $ 543,570.90
LIABILITIES
Losses in process of adjustment, including monuments $ 167,350.00
Losses reported, for which no proofs are filed, including monuments, 31,550.00
Claims approved and ready for payment, including monuments 83,050.00
On liquidated claims — 143 monuments 44,300.00
Total liabilities $ 326, 250.00
Balance § 217,320.90
EXHIBIT OF CERTIFICATES OR POLICIES.
TOTAL BUSINESS OF THE YTA.R.
Number. Amount.
In force at beginning of year 113,473 $ 199,067,300.00
Written during year 38,671 52,972,100.00
Total 152,144 s 252,039,400.00
Terminated during year 22,307 32,208,200.00
In force at end of year 129,837 $ 219, 831, 200. oo
Losses and claims unpaid at beginning of year 238 3 445, 350. oo
Losses and claims incurred 966 1,557,452.55
Total 1,204 § 2,002,802.55
Losses and claims settled 1,026 1,676,552.55
Losses and claims unpaid at end of year 178 $ 326,250.00
Assessments collected during year 14 $ 1,740,088.08
1903.] Document No. 10. 385
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Number. Amount.
In force at beginning of year 838 $ 1,662,300.00
Written during year ]^_ 241,200.00
Tota! 995 ? 1,903,500.00
Terminated during year 83 119,800.00
In force at end of year 912 $ 1,753,700.00
Losses and claims unpaid at beginning of year 2 $ 6,400.00
Losses and claims incurred G 10,600.00
Tota l __ 8 $ 17,000.00
Losses and claims settled _ 8 1 6, 400. no
Losses and claims unpaid at end of year $ 600.00
Assessments collected during year l* $ 13,995.32
SUPREME COUNCIL OF THE ROYAL ARCANUM.
Home Office, Boston, Mass. Incorporated 1877. Commenced Business 1877,
W. Holt Apgar, Supreme Regent.
W. O. Robson, Supreme Secretary.
Amount of net or ledger assets December 31, 1899 $ 1, 573, 036. 76
INCOME.
WITHOUT DEDUCTIONS.
Charges benefit certificate fees $ 2,758.00
Dues for expenses 159,700.60
Mortuary assessments 6,604,709.24
Total paid by members $ 6,767,173.84
Interest 49,897.70
Allother 9,011-12
Total cash income 6, 826, 982. 66
Aggregate last balance and income $ 8,400, 019. 42
DISBURSEMENTS.
Paid for death claims 8 6,277,068.65
Payments returned to applicants or members 6.50
Total paid to members or applicants 6, 277, 075. 15
Supplies, printing plant and office furniture $ 1,887.35
Commissions to agents 13,040.24
Salaries and other compensation of officers and committees 31,844.26
Salaries and other compensation of office employees 34,516.42
Taxes, advertising and printing 13,275.93
Postage, express and telegraph 6,158.41
Legal expenses 2,880.54
25
386 Document No. 10. [Session
Assistance to Grand Council $ 2G,G53.25
Official publication 2,001.64
Insurance departments 722.00
Official visits, mileage and per diem 16,087.51
All other 12,406.29
Total miscellaneous expenses $ 160, 186. 49
Total disbursements $ 6,439,148.99
Balance $ 1,960,870.43
ASSETS.
AS PER LEDGER ACCOUNTS.
Book value of real estate $ 59,170.97
Book value of bonds and stocks 1,322,574.97
Cash in bank 576,624.49
Cash in bank, contingent fund 2,500.00
Total net or ledger assets $ 1,960,870.43
NON-LEDGER ASSETS.
Interest due and accrued $ 9,261.08
Ledger balances, supplies, etc. 17,647.38
Market value of bonds and stocks over book value 60,040.03
Assessments actually collected for subordinate bodies 560,135.78
Total non-ledger assets 647, 084. 27
Gross assets $ 2,607,954.70
Deduct assets not admitted —
Furniture, fixtures, safes, supplies, etc I 6,541.59
Agents' debit balances unsecured 1,137.20
Bills receivable unsecured 1,887.21
Printing plant and paper stock 8,081.38
Depreciation of real estate 8,000.00
' Total deductions 25, 647. 38
Total admitted assets . $ 2,582,307.32
LIABILITIES.
Losses in process of adjustment or reported, Classes A and B $ 307,423.80
Losses resisted 9,000.00
Losses reported— Class C 438,500.00
Ledger balances and accounts rendered after close of year 1,238.30
All other items 19,000.00
Total liabilities $ 775,162.10
Balance $ 1,807,145.22
Balance on hand to protect contracts, in addition to the right of as-
sessment, comprised under the following funds —
Mortuary $ 273,811.86
Emergency 1,395,593.46
Expense 137,739.90
Total special funds 1, 807, 145. 22
1903.]
Document No. 10.
387
EXHIBIT OF CERTIFICATES OR POLICIES.
total business op the year.
Number.
In force at beginning of year 193,868
Written during year 24,080
Total 217,9 i I
Terminated during year 7,880
In force at end of year 210,074
Losses and claims unpaid at beginning of year 258
Losses and claims incurred 2,229
Total _ 2,482
Losses and claims settled 2,213
Losses and claims unpaid at end of year 269
Assessments collected during year 12
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
NuMBEB.
In force at beginning of year 1,808
Written during year 236
Total 2,(H4
Terminated during year 92
In force at end of year 1,952
Losses and claims unpaid at beginning of year 4
Losses and claims incurred 30
Total 34
Losses and claims settled :;:;
Losses and claims unpaid at end of year 2
Assessments collected during year 12
Amount.
- i39,920,500.00
10, 777, r.ini. no
8 680,698,000.00
21,873,000.00
$ 568,826,000.00
8 733,750.00
6,810,000.00
8 7,043,760.00
6,288,826.20
754,923.80
8 6,001,709.24
Amount.
$ 6,193,500.00
470,000.00
$ 5,663,600.00
264,000*00
S 5,399,600.00
$ 12,(HIU.00
90,000.00
$ 102,000.00
96,000.00
$ 6,000.00
$ 08, 140. 19
SUPREME RULING OF THE FRATERNAL MYSTIC
CIRCLE.
Home Office, Philadelphia, Pa. Incorporated 1895. Commenced Business 1885.
F. H. Duckwitz, Supreme Mystic Ruler. J. D. Myers, Supreme Recorder.
Amount of net or ledger assets December 31, 1899 $
INCOME.
WITHOUT DEDUCTIONS.
Extension fund $ 12,411.01
Per capita tax >._•-,
Assessment--—
Mortuary.. 17-. ,j
Reserve 20,340.36
Expenses 29, 1 17. 1 1
Medical examiners' fees paid by applicants 1,604.28
Total paid by members ( 242,300.28
28.64
388 Document No. 10. [Session
Interest $ 1,886.75
All other items 17,209.61
Total cash income — ~« $ 261, 396. 64
Aggregate last balance and income $ 329, 925. 28
DISBURSEMENTS.
Paid for death claims $ 188,442.69
Paid for permanent disability claims 5,116.67
Payments returned to applicants or members 30.96
Total paid to members 193,590.32
Commissions to agents $ 18,477.91
Salaries of special supervisors 8,801.49
Salaries and other compensation of officers 8,759.67
Salaries and other compensation of office employees 4,188.26
Salaries or fees to medical supervisors 1,911.00
Rents, taxes, advertising and printing 4,622.89
Postage, express and telegraph 1,269.87
Legal expenses and adjustment 2,312.62
Official publication 2,885.09
Insurance departments 1,403.00
Furniture 217.00
Regalia 774.05
Supplies 689.87
Official bonds 816.95
All other items 592.96
Total miscellaneous expenses 57, 722. 63
Total disbursements $ 251,312.95
Balance $ 78, 612. 33
ASSETS.
AS PER LEDGER ACCOUNTS.
Mortgage loans on real estate, first liens $ 50,800.00
Bills receivable 400.00
Cash in office 2,904.90
Cash in bank 24,507.43
Total net or ledger assets $ 78, 612. 33
NON-LEDGER ASSETS.
Interest dueand accrued $ 1,690.29
Balance due from Deputies and Rulings 4,169.19
Furniture, fixtures, supplies and regalia 3,864.24
Assessments actually collected by subordinate bodies 43,068.32
Due from beneficiaries on unpaid claims 3,282.10
Total non-ledger assets 56,074.14
Gross assets $ 134,686.47
Deduct assets not admitted —
Furniture, fixtures, safes and supplies $ 3,864.24
Agents' debit balances, unsecured 4,169.19
Total deductions-- 8,033.43
Total admitted assets $ 126,653.04
1903.] Document No. 10. 389
LIABILITIES.
Losses adjusted, due and unpaid S 3,000.00
Losses in process of adjustment or reported 48,750.00
Total liabilities $ 51, 750. 00
Balance $ 74,903.04
Balance on hand to protect contracts, in addition to the right of as-
sessment, comprised under the following funds —
Mortuary $ 6,476.13
Reserve 71,946.67
Expense 189.53
Total special funds 78,612.33
EXHIBIT OF CERTIFICATES OR POLICIES.
TOTAL BUSINESS OF THE YEAR.
Number. Amount.
In force at beginning of year 12,309 $ 20,422,700.00
Written during year 3,617 3,960,600.00
Total 15,920 $ 24,383,300.00
Terminated during year 2,623 3,070,416.67
In force at end of year 13,303 8 21,312.883.33
Losses and claims unpaid at beginning of year 18 $ 33,600.00
Losses and claims incurred 140 210,150.00
Total 158 $ 243,750.00
Losses and claims settled 130 192,750.00
Losses and claims unpaid at end of year 28 $ 51,000.00
Assessments collected during year 12 $ 228,277.00
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Number. Amount.
In force at beginning of year 320 §• 710,000.00
Written during year 79 116,000.00
Total 399 8 826,000.00
Terminated during year 31 61,500.00
In force at end of year 368 $ 764,500.00
Losses and claims incurred 2 $ 6,000.00
Losses and claims settled 1 3,000.00
Losses and claims unpaid at end of year 1 $ 3,000.00
Assessments collected during year 12 $ 7,475.86
390 Document No. 10. [Session
UNION INDEMNITY LEAGUE.
Home Office, Richmond, Va. Incorporated 1898. Commenced Business 1898.
Hill Montague, President. Charles L. Cooke, Secretary.
Amount of net or ledger assets December 31, 1899 $ 723. 32
INCOME.
WITHOUT DEDUCTIONS.
Assessments $ 6,803.50
From all other sources 225.00
Total cash income 7,028.50
Aggregate last balance and income $ 7, 751. 82
DISBURSEMENTS.
Paid for claims $ 4,263.40
Payments returned to applicants o'r members 19.85
Total paid to members or applicants 4, 283. 25
Commissions to agents $ 1,256.25
Salaries of officers 1,080.00
Medical examiners 34.75
Rents, taxes, advertising and printing 255.93
Postage, express and telegraph 140.05
Legal expenses 16.78
Total miscellaneous expenses
Total disbursements
Balance
ASSETS.
AS PER LEDC4ER ACCOUNTS.
Agents' debit balances $ 103.70
Bills receivable 65.00
Cash in bank 290.62
Office fixtures and lodge supplies 126.10
Total admitted assets 1 585. 42
2, 784. 50
$
7, 067. 75
$
694. 07
EXHIBIT OF CERTIFICATES OR POLICIES.
TOTAL BUSINESS OF THE YEAR.
Number. Amount.
In force at beginning of year 1,182 $
Written during year 1,658
Total 2,S40
Terminated during year 1,646
In force at end of year 1,194
Losses and claims incurred 402 $ 4,263.40
Assessments collected during year $ 6,803.50
1903.] Document No. 10. 391
BUSINESS IN NORTH CAROLINA DURING THE YEAR.
Number. Amount.
In force at beginning of year 358 $
Written during year 757
Total 1,115 S
Terminated during year 615
In force at end of year 500 8
Losses and claims incurred 57 $ 730.65
Assessments collected during year 8 1,283.50
INDEX TO DETAILED STATEMENTS OF COMPANIES.
(SEE beginning of volume for table of contents).
LIFE INSURANCE COMPANIES.
PAGE.
iEtna Life Insurance Company 5
Bankers Life Insurance Company 8
Equitable Life Assurance Society 11
Equity Life Association 13
Fidelity Mutual Life Insurance Company 16
Hartford Life Insurance Company 19
Life Insurance Company of Virginia 22
Maryland Life Insurance Company 25
Michigan Mutual Life Insurance Company 28
Mutual Life Insurance Company of Kentucky 30
Mutual Life Insurance Company of New York 33
New York Life Insurance Company 36
Pacific Mutual Life Insurance Company 39
Penu Mutual Life Insurance Company 42
Phoenix Mutual Life Insurance Company __. 45
Provident Savings Life Assurance Society 48
Security Mutual Life Insurance Company 51
Security Trust and Life Insurance Company 54
South Atlantic Life Insurance Company 57
State Mutual Life Insurance Company 59
State Life Insurance Company of Indiana 62
Sun Life Insurance Company of Canada 64
Travelers Insurance Company 67
Union Central Life Insurance Company 70
Union Mutual Life Insurance Compau}' of Maine 74
Washington Life Insurance Company 77
FIRE AND FIRE AND MARINE INSURANCE COMPANIES OF
NORTH CAROLINA.
Carolina Insurance Company 103
North Carolina Home Insurance Company 214
Piedmont Insurance Company 239
Southern Loan and Trust Company 267
Southern Stock Mutual Insurance Company 268
Underwriters of Greensboro Insurance Company 292
Wilmington Underwriters Insurance Company 312
394 Index.
FIRE AND FIRE AND MARINE INSURANCE COMPANIES
OF OTHER STATES.
PAGE.
iEtna Insurance Company 83
American Fire Insurance Company of New York 86
American Fire Insurance Company of Philadelphia 89
Atlanta Home Insurance Company 92
British American Insurance Company 98
Citizens Insurance Company of New York 105
Continental Insurance Company 114
Equitable Fire Insurance Company of South Carolina - 117
Equitable Fire and Marine Insurance Company 120
Fire Association of Philadelphia 123
Firemeus Insurance Company of Baltimore 126
Fireman's Fund Insurance Company 129
Georgia Home Insurance Company L 132
German Alliance Insurance Company 135
German-American Insurance Company — 136
Globe and Rutgers Fire Insurance Company 140
Greenwich Insurance Company 143
Hanover Fire Insurance Company ' 149
Hartford Fire Insurance Company 152
Home Insurance Compauy of New York 158
Insurance Company of North America 164
Lafayette Fire Insurance Company 170
Manhattan Fire Insurance Company 194
National Fire Insurance Company 202
New Hampshire Fire Insurance Company 205
Niagara Fire Insurance Company 208
Orient Insurance Company 222
Pacific Fire Insurance Company 225
Pennsylvania Fire Insurance Compauy 230
Phenix Insurance Company of Brooklyn 233
Phoenix Insurance Company of Hartford 236
Queen Insurance Company 244
Rochester German Insurance Compauy 247
Saint Paul Fire and Marine Insurance Company 256
Southern Iusurance Company 271
Springfield Fire and Marine Insurance Company 274
Sun Insurance Company 280
Teutonia Insurance Company 286
Traders Insurance Company ... 289
United States Fire Insurance Company 294
Virginia Fire and Marine Insurance Company 300
Virginia S.tate Insurance Company 303
Westchester Fire Insurance Company 306
British America Assurance Company 95
Caledonian Iusurance Company 100
Index. 395
FIRE AND FIRE AND MARINE INSURANCE COMPANIES
OF FOREIGN COUNTRIES.
PAGE.
Cologne Re-insurance Company 108
Commercial Union Assurance Company ill
Hamburg-Bremen Fire Insurance Company 146
Helvetia Swiss Fire Insurance Company 155
Imperial Insurance Company 161
Lancashire Iusurance Company 167
Law Union and Crowu Insurance Compauy 173
Lion Fire Insurance Company 176
Liverpool and Loudon and Globe Insurance Compauy 179
London Assurauce Corporation 182
Londou and Lancashire Fire Insurance Compauy 185
Magdeburg Fire Insurance Compauy 188
Manchester Assurauce Compauy 191
Moscow Fire Insurance Company 197
Munich Re-insurance Compan3' 199
North British and Mercantile Iusurance Company 211
Northern Assurance Compauy _ 216
Norwich Union Fire Insurance Society 219
Palatine Insurance Company 228
Prussian National Insurance Company 241
Royal Insurance Company 250
Royal Exchange Assurance Corporation 253
Salamandra Insurance Company 259
Scottish Union and Natioual Insurance Compan}' 262
Skandia Insurance Company 265
Sun Insurance Office 277
Svea Fire and Life Insurance Company 283
Union Assurance Society 1 297
Western Assurance Company 309
FIDELITY AND CASUALTY INSURANCE COMPANIES.
^5jtna Life Insurance Company (Accident Department) 317
American Bonding and Trust Company 319
Americau Surety Company of New York 321
City Trust, Safe Deposit and Surety Compauy 324
Employers' Liability Assurance Corporation 326
Fidelity and Casualty Compauy 329
Fidelity and Deposit Compauy of Maryland 333
Hartford Steam Boiler Inspectiou and Insurance Company 335
Maryland Casualty Company 337
National Surety Company 341
New York Plate Glass Insurance Company 343
Preferred Accident Iusurance Compauy 345
Standard Life and Accident Insurance Compauy 347
United States Fidelity and Guaranty Company 350
396 Index.
FRATERNAL ORDERS.
PAGE.
American Guild — 355
Anvil 357
Family Protective Union 360
Fraternities Accident Order 362
Improved Order Heptasophs 363
Knights of Honor 365
Knights of Kadosh 368
Knights and Ladies of Honor 370
Knights of the Mystic Chain _ 372
Knights of Pythias (Endowment Rank) 373
Knights Templar and Masons 375
Masonic Mutual Relief Association 377
National Union 379
Royal Benefit Society 281
Sovereign Camp Woodmen of the World 383
Supreme Council of the Royal Arcanum .. 385
Supreme Ruling Fraternal Mystic Circle 387
Union Indemnity League 390
ANNUAL REPORT
OF THE
INSURANCE COMMISSIONER
OF THE
STATE OF NORTH CAROLINA
FOR THE YEAR ENDING APRIL I, 1902.
JAMES R. YOUNG, Insurance Commissioner.
RALEIGH :
E. M. Uzzell, State Printer and Binder.
1902.
TABLE OF CONTENTS.
PAGE.
Commissioner's Report and Comments 3 — 12
Statistical Tables —
Fire and Fire and Marine Companies I — XIX
Life Companies XXI — XXXI
Fraternal Orders XXXIII— XXX IX
Fidelity and Casualty Companies XLI — LI II
Detailed Statements —
Life Companies 3—1 1 1
Fire and Fire and Marine Companies 113 — 349
Fidelity and Casualty Companies 351 — 407
Fraternal Orders . . . 409 — 456
(SEE END OF VOLUME FOR INDEX).
INSURANCE COMMISSIONER'S REPORT.
State of North Carolina,
Insurance Department,
Raleigh, April 1, 1902.
To His Excellency, Charles B. Aycock,
Governor of North Carolina.
Dear Sir : — In obedience to the statute of North Carolina, I
have the honor to submit to Your Excellency the Annual Report of
the Insurance Department for the year ending April 1, 1902. As
directed by the law, I include herein the acts of the Commissioner
and a statement of the condition of the insurance companies and
other corporations reporting to the department, as shown by the
sworn statements of their officers, for the year ending December
31, 1901.
THE DEPARTMENT.
The act forming this department (Chapter 54, Public Laws of
1S99) and the amendments thereto in the Laws of 1901 provide
for the management of the department and place it in charge of
the licensure and supervision of all companies or associations,
orders and individuals doing the business of life, fire, accident,
surety, health, burglary, title, guarantee and all other kinds of
insurance, as well as of bond, investment, dividend, guarantee,
registry, title guarantee, debenture and such like companies or asso-
ciations (not strictly insurance companies). The. act provides that
all such companies or associations as above named, whether domestic
or foreign, must be licensed by this department before they can do
business in this State. It also provides that after they are licensed
this department has the supervision over them and their business in
the State. It also provides that all licenses to companies and their
agents must be issued by this department, and all licenses, taxes and
fees imposed by the State upon them must be collected by it. The im-
4 Document No. 10. [Session
portance and value of this department can be readily seen by any
one who will inquire into its powers and duties; and it is needless
to say that they must increase year by year. The department is
located in the Capitol building, where the Insurance Commissioner
has his office, and the clerks of the department do their work.
Before the formation of this department the taxes and licenses im-
posed by the State were collected by the Secretary of State, but
comparatively little was done in the way of keeping up with the
companies or associations in the State and supervising the manner
in which they did business.
COMPANIES LICENSED IN 1901.
The following companies were admitted to do business in the
State under the general insurance law, where they had not been
already admitted, and were licensed for the year ending April
1, 1902
LIFE COMPANIES.
Aetna Life. North Carolina Mutual and Provident.
Bankers Life Insurance Co. Northwestern Mutual.
Breadwinners Mutual Benevolent. Pacific Mutual.
Carolina Benevolent Association. Penn Mutual.
Equitable Life Assurance Society. People's Benevolent and Relief.
Equity Life Association. People's Mutual Benevolent.
Fidelity Mutual. Phoenix Mutual.
Gerrnania Life. Provident Savings.
Hartford Life. Prudential of America.
Home Life of New York. Security Life and Annuity.
Life of Virginia. Security Mutual Life.
Manhattan Life. N Security Trust and Life.
Maryland. South Atlantic Life.
Massachusetts Mutual Life. State Mutual.
Michigan Mutual. State Mutual Life and Annuity.
Mutual Benefit of Newark. State Life of Indiana.
Mutual Life of Kentucky. Sun Life of Canada.
Mutual Life of New York. Travelers.
National Life of Vermont. Union Central.
New York Life. Union Mutual Life of Maine.
Washington Life, New York.
FIRE AND FIRE AND MARINE COMPANIES.
Aetna. Atlanta Home.
American of Pennsylvania. British America.
Assurance of America. British American.
1903.]
Document No. 10.
Cabarrus Mutual.
Caledonian.
Citizens of Missouri.
Citizens of New York.
Carolina.
Cologne Re-insurance.
Commercial Union.
Continental.
Delaware.
Equitable of South Carolina.
Equitable Fire and Marine.
Farmers Mutual Fire.
Fire Association of Philadelphia.
Firemens of Baltimore.
Fireman's Fund.
Georgia Home.
German Alliance.
German- American.
Germania Fire.
Glens Falls.
Globe and Rutgers Fire Insurance Co.
Greenwich.
Hamburg-Bremen.
Hanover Fire.
Hartford Fire.
Helvetia Swiss Fire.
Home.
Imperial.
Indemnity Fire.
Insurance Company of North America.
Lafayette Fire.
Law Unoin and Crown.
Liverpool and London and Globe.
London Assurance.
London and Lancashire.
Manchester.
Moscow Fire.
Munich Re-insurance.
National Fire.
National Standard.
New Hampshire Fire.
New York Underwriters Agency.
Niagara.
North British and Mercantile.
North Carolina Home.
Northern Assurance.
Norwich Union.
Orient.
Palatine of London.
Pamlico Insurance and Banking Co.
Pennsylvania.
Phenix of Brooklyn.
Philadelphia Underwriters.
Phoenix of London.
Phoenix of Hartford.
Piedmont.
Prussian National.
Queen.
Rochester German.
Royal.
Royal Exchange Assurance.
Saint Paul Fire and Marine.
Salamandra.
Scottish Union and National.
Skandia.
Southern Loan and Trust Co.
Southern Stock Mutual.
Southern.
Springfield Fire and Marine.
Sun Insurance Office.
Sun.
Svea Fire.
Teutonia.
Traders of Chicago.
Underwriters of Greensboro.
United States Fire.
Union Assurance Society.
Virginia Fire and Marine.
Virginia State.
Westchester.
Western.
Wilmington Underwriters.
ACCIDENT AND SURETY COMPANIES.
Aetna Life (Accident).
American Bonding and Trust Co.
American Credit-Indemnity.
American Surety of New York.
City Trust, Safe Deposit and Surety Co.
Employers' Liability.
Fidelity and Casualty.
Fidelity and Deposit of Maryland.
Hartford Steam-boiler.
Maryland Casualty.
6
Document No. 10.
[Session
National Surety Co.
New York Plate-glass Insurance Co.
Preferred Accident.
Standard Life and Accident.
The Pennsylvania Casualty.
Travelers ( Accident ) .
Union Surety and Guaranty.
United States Fidelity and Guaranty.
FRATERNAL ORDERS.
American Guild.
Anvil.
Ancient Order United Workmen.
Bankers Union of the World.
Endowment Rank Knights of Pythias.
Family Protective Union.
Famobrosis Society.
Fraternities Accident Order.
Grand Fraternity.
Improved Order Heptasophs.
Industrial Aid.
Knights of Damon.
Knights of Honor.
Knights of Kadosh.
Knights and Ladies of Honor.
Knights of Harmony.
Knights of Mystic Chain.
Ladies of the Maccabees of the World.
Masonic Mutual Relief.
Modern Puritans.
National Union.
Ridgely Protective Association.
Royal Arcanum.
Royal Benefit Society.
Savannah Benevolent and Aid.
Sovereign Camp Woodmen of the World.
Supreme Ruling Mystic Circle.
Union Indemnity League.
THE WORK OF THE YEAR.
During the past year the work of the department has gone on
smoothly and as much has been accomplished as could reasonably
have been expected, considering that the department is not allowed
but $1,000 for the employment of clerical aid. This is the same
amount as was allowed to the Secretary of State for this special
work when it was in his department, and is entirely inadequate
for the present needs of the department, as will be more explicitly
shown in another part of this report.
The amendments to the law as passed by the Legislature of
1901, upon the recommendation of the Commissioner, although
adding considerably to the already heavy work of the department,
have been of very great benefit to the State and the department in
carrying out the objects for which the department was created.
The insurance laws of the State, as now on the statute books, are
looked upon as the best insurance laws of any Southern State, and
with a few amendments will be admirably adapted for the wants
and needs of our State. There are some respects in which these
laws should be amended and added to, and these will be called to
the attention of Your Excellency in the recommendations which
1903.] Document No. 10. 7
the Commissioner is required by law to transmit through you to
the next Legislature that assembles in January, 1903. It is very
gratifying for the Commissioner to be able to report that the work
of the department during the past year has been successful, not
only in the amount of licenses and taxes collected and paid into
the Treasury, but in the supervision of all companies doing busi-
ness in the State and the driving out of some companies and associ-
ations attempting to do business here without licenses.
LAWS PASSED BY THE LAST LEGISLATURE.
Too much cannot be said in praise of the character of the legisla-
tion affecting this department passed by the last Legislature.
Every recommendation made by the Commissioner was acted upon,
except the one asking for an increase in the amount allowed for
clerical help and the one recommending that provision be made for
the chartering of life companies in the office of the Honorable Sec-
retary of State on approval of the charter by this department, as
is now provided for fire and other insurance companies. Both of
these will be again brought to the attention of the next General
Assembly as not only necessary for the department, but best for
the State and her citizens, if it is desired that this department shall
be efficient and of increased value. With the increase of the
amount of revenue passing through this department (from $82,000
to over $132,000 in three years) and the increased work in looking
after incendiary fires and companies and agents operating illegally
in the State, that take the Commissioner away from his office so
much of the time, it is highly important that he shall be allowed
such a sum as will enable him to employ proper and sufficient help
in the department. A better class of life companies can be or-
ganized in the State by having them chartered by the Secretary of
State, when approved by the Commissioner, than if charters are
hastily passed by the Legislature, to say nothing as to the amount
of work saved to the members of the Legislature and expense to
the State.
INSURANCE ON STATE PROPERTY.
The last Legislature passed a law (Chapter 710, Public Laws
1901) providing that every insurance policy on any State property
8 Document No. 10. [Session
should be submitted to the Insurance Commissioner and examined
by him to see that it was in proper form, and making it a misde-
meanor for the bill for the premium of any such policy to be paid
until said examination was made and the bill approved by the
Insurance Commissioner. The act did not make provision for any
expenses incurred by the Commissioner in carrying out its provisions.
The idea seemed to have been that the work mapped out for the Com-
missioner was very little, and involved little time and no expense.
This was a mistake. The Commissioner has at his own expense vis-
ited and examined the different institutions of the State, made sue-
gestions as to their protection from fire and gathered such informa-
tion as would enable him intelligently to perform his duty under the
act. Much time and labor has been devoted to the examination of
policies and their corrections. The importance of this work is seen
when it is known that seventy-five per cent, of the policies have been
corrected in one way or another, correct forms have been prescribed,
and unnecessary and injurious clauses have been eliminated from
the policies. The investigations have shown that the property of the
State is not evenly insured and that some regular and uniform
method should be provided for the placing and looking after the
insurance upon the property of the State.
UNLICENSED COMPANIES.
a
The protection of the citizens of the State from unlicensed and
wild-cat" companies is a hard problem and one to which the Com-
missioner has given much time and thought. Some companies have
been caught up with, and where they were safe and solvent, been
compelled to take out license and pay the taxes, while others found
unfit to do business in the State because of their lack of financial
backing and the character of their officers, have been driven from the
State. The work devolving upon the department along this line is
laborious and necessarily slow, for it is not only hard to catch up
with them, as the Commissioner is compelled, because of the lack of
proper assistance, to stay rather closely in his office, and because it
is necessary to educate the officers of the State to look out for these
offenders and the citizens of the State to realize that there is no
security in patronizing them. This is specially true of fire compa-
1903.] Document No. 10. 9
nies offering low rates and of life and accident companies or asso-
ciations claiming to be benevolent or fraternal. The Commissioner
from time to time publishes lists of unlicensed and "wild-cat" com-
panies for the information of the citizens and officers of the State.
INVESTIGATION OF FIRES.
The investigation of supposed incendiary fires in the State has
called for much work from the Commissioner and has been of great
benefit to the State. It is beginning now to be thought in the State
that it will not do to indulge in this form of law-breaking. Convic-
tions are necessarily hard to get, but we do get them, and even when
no convictions are obtained the investigation and prosecution are
wholesome in their effects. There are some improvements that
should be made in this law, while the laws against arson and burn-
ings should be materially altered and amended.
The idea of the law is to have every fire in the State reported to
this department, and if there is any suggestion that the origin of the
fire is suspicious, then to have the circumstances fully investigated,
and if the examination justifies it to have the parties prosecuted.
In all cities and towns these reports are required to be made by the
Chief of Fire Department, and where none, by the Chief of
Police, while outside of all cities and towns all fires must be re-
ported by the sheriffs of the different counties. All preliminary
investigations are required to be made by these officers, and the In-
surance Commissioner, with these officers, must fully investigate the
origin of all suspicious fires and hold such examinations and institute
such prosecutions as he thinks the circumstances justify.
It is also proposed to lessen the clanger of fires by providing for
the examination of all premises and the removal therefrom of all
combustible material or inflammable conditions. This part of the
law is much neglected in our cities and towns, although a penalty
is provided against the officers neglecting the same.
The expenses of these investigations and prosecutions are provided
for by a tax of one-tenth of one per cent, of the gross receipts of all
fire insurance companies working in the State. There has been col-
lected on this account for the past year $1,578.33 and paid out
$1,016.12, as is shown by items on the books of the department. No
part of the law is of more value to the State or her citizens.
10 Document No. 10. [Session
FRATERNAL ORDERS.
The amendments passed by the last Legislature to the law gov-
erning fraternal orders were intended to have these associations and
methods of business more closely looked into and supervised, and its
enforcement has shown that this is a movement in the right direction.
Many of these orders are fraternal and benevolent in their aim and
operation, while some of them use these names and terms only to
cover the schemes and frauds that they practice upon the public.
Many of these orders and small mutual or assessment companies —
some of them writing life, accident and sick benefit insurance on the
industrial plan — seem to have no regard for the interests of their
patrons, and are a disgrace to the business and the State. The citi-
zens of our State that are pilfered by them are a class that can ill
afford the loss to them and their families, and should be protected, if
possible. Much time and energy has been expended by the Commis-
sioner during the past year in attempting to keep the people informed
as to such companies and associations and to drive the unworthy ones
from the State. It is a sad fact that many citizens of the State are
careless as to the character of the companies or associations they
patronize, so long as they claim to be fraternal and offer to sell cheap.
Some insurance is not cheap at any price.
DETAILED STATEMENTS.
One of the duties imposed upon this department is to keep fully
posted as to the character and financial condition of each company
licensed by it to do business in the State. This is very important
when it is remembered that many of the citizens of the State look to
and largely depend upon this department, for their knowledge as to
the safety of the companies with whom they invest.
Before any company can be licensed by this department they must
file with it a statement in detail of their business, assets, investments,
and in fact everything necessary to show their real condition. These
statements are also required to be filed at the end of each year, and
those filed for the past year ending December 31, 1901, are given in
this report, and may be examined by all with interest and profit. An
abstract of these financial statements is published in some news-
paper in the State and also field with the Clerk of the Superior
1903.] Document No. 10. 11
Court of each county. These reports are thus placed within reach
of every one and can be examined by simply going to the office of the
Clerk of the Court.
STATISTICAL TABLES.
Attention is called to the statistical tables of this report (pages
i to liii). They contain information of special interest to those
interested in the insurance business of the State. They show not
only the total amount of business done in the State, with the assets,
receipts, disbursements, etc., of all the companies, but also the same
tilings as to the different classes, ' as well as to the individual com-
panies.
FINANCIAL.
Under the law the Insurance Commissioner is required to collect
from insurance and other companies, associations and orders under
his department all licenses, fees and taxes imposed upon them in this
State. During the past year the Commissioner has collected and
paid monthly to the Hon. State Treasurer:
For taxes on gross receipts $92,243.88
For licenses for companies 29,057.65
For fees , 3,929.00
For licenses and subagents 6,803.50
Total $132,034.03
For publication of annual statements in news-
papers $ 1,413.00
For investigation of fires 1,578.33
Total $ 2,991.33
$135,025.36
CONCLUSION.
The insurance interests of the State have assumed sufficient magni-
tude to warrant the Legislature in formulating such legislation as
will regulate every kind of insurance and efficiently supervise every
class of insurance companies and place this department upon such a
basis as will enable it to best care for the interests in this line of the
State and her people.
12 Document No. 10. [Session 1903.]
The department is now required to pass upon all applications of
companies to enter the State — to license them and their agents — to
supervise their work in the State — to answer all inquiries of the citi-
zens of the State as to companies, their reliability and forms of con-
tracts — to investigate all supposded incendiary fires and prosecute
incendiaries — to examine all policies on State property and pass
upon and approve of the bills for the same — to collect all licenses,
taxes and fees, levied upon insurance companies, now amounting to
over $130,000 per annum — to keep the accounts with about 175 diff-
erent companies and issue over 7,000 licenses annually to companies
and agents — to look up and prosecute all companies and agents oper-
ating in the State without licenses.
There is not only much work for the department under the law,
but it is largely work of great responsibility. A great deal of this
work must necessarily be done by the Commissioner himself, because
it calls for technical knowledge and an exercise of discretion, such as
is lodged in him by the law ; but the routine work of the department
calls for such help and aid as can only be given him by necessary
competent clerks.
The business has gradually increased and will continue to do so
each year. The receipts of the department in the last three years
have increased over fifty per cent., while the increase in the benefits
to the State and her citizens in the other work of the department
has been much greater. The promptness and efficiency with which
the work is done will add largely to its value and will increase rather
than lessen the work. New' lines of work in the department suggest
themselves to the Commissioner and he would be pleased to take
them up so as to add to the value of the department to our State.
Your obedient servant,
James R. Young,
Insurance Commissioner.
STATISTICAL TABLES
RELATING TO FIRE AND FIRE AND MARINE
INSURANCE COMPANIES.
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Assurance of America M
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Fireman's Fund
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STATISTICAL TABLES
RELATING TO LIFE INSURANCE
COMPANIES.
TABLE No.
Showing the Character of the ASSETS of Life Insurance
ending December
Name of Company.
Real Estate.
Bond and
Mortgage
Loans.
Collateral
Loans.
Premium
Notes and
Policy
Claims.
.ffitna Life
$ 594,228.55
S 23,828,752.84
92,000.00
$ 890,442.72
$ 2,521,596.39
25,538.97
Bankers Life of New York
Breadwinners Mutual and Benev. _
Carolina Benevolent
- - . . .
Equitable Life of New York
38,293,092.11
1,429,175.20
3,235,644.62
253,865.00
1,794,790.40
90,608.21
4,670,882.11
196,471.05
388,635.07
426,730.64
2,933,387.nl
400, US. 14
27,542,442.44
1,998,497.47
15,978,200.00
00,755,929.94
229,884.05
14,223,511.00
285,400.00
3,962,900.00
584,251.04
5,715,765.72
179,927.13
12,041,266.28
5,507,311.20
36,013,326.73
1,016,931.92
81,564,209.88
7,591,922.67
40,180,476.77
28, 275, 351. S3
16,004.29
Fidelity Mutual
312 856 50
GermaniaLife
1,475,611 35
Hartford Life _ . ._
7,800.(10
25,500.00
56,280.20
967,346.54
135,932.00
25,OOo75o
6,769,45(1.00
427,088.52
21,957,067.23
26,775.00
5-> 431 92
Home Life of New York. - _
1,140 646 98
Life of Virginia _ .
36 516 15
Manhattan Life _
1 175 150 78
19,122.44
3,212 699 13
Massachusetts Mutual
Michigan Mutual-
713 687 81
Mutual Benefit of Newark
Mutual Life of Kentucky
11,212,167.39
41 737 25
Mutual Life of New York .
National Life of Vermont __
2,992 934 39
New York Life . ._ _„ . _
20,136,704.30
North Carolina Mutual and Prov. _
Northwestern Mutual Life
4,582,855.12
498,308.83
2,482,936.92
72,608,412.80
1,001,361.53
18,383,151.24
489,900.00
4,180,340.12
8 908 551 87
Pacific Mutual
223,917.55
4 S39 169 57
Penn Mutual __
People's Benevolent and Relief
People's Mutual Benevolent Asso...
Phoenix Mutual Life
912,412.83
974,200.00
10,075,681.22
7,722,586.01
536,300.00
11,163,737.93
900,624.41
Provident Savings _
5,000.00
915,000.00
1 470 81" 94
Prudential of America
728 189 34
Security Life and Annuity
Security Mutual Life -—
9,966.45
1,033,000.00
303,400.00
125,600.00
6,377.50
3,003,317.00
19,758.72
30i '.00
73,250.00
806,434.00
118 305 90
Security Trust and Life Ins. Co
South Atlantic Life
80,884.78
5,334 18
State Mutual of Massachusetts
State Mutual Life and Annuity
1,710,000.00
446.37
1,271,627.65
State Life of Indiana
660,692.21
3,410,320.85
6,532,038.62
23,276,577.66
1,234,096.65
7,404,400.00
1,000.00
138,094.55
757,059.90
39,094.77
912 137 35
Sun Life of Canada
1,105,060.38
1,790,575.45
292,590.97
1,277,530.76
6,157,658.93
Travelers
1,740,999.10
3 863 030 08
Union Central .
Union Mutual Life of Maine
Washington Life
664,733.03
250,000.00
206,948.76
1,176,477.08
Totals
141,229,993.25
449,157,256.27
67,781,898.05
71,555,205.08
(xxii)
VII-ASSETS.
Companies (licensed to do business in this State) for year
31, 1901.
Stocks and
Bonds Owned.
S 22,674,221.14
669,506.25
173,780,
1 , 16 J .
8,477,
424,
5,687,
132
3,687,
1,539
11,245,
168
18,462,
997
8,027,
187,497,
834.nu
716.04
312.85
249.00
864.40
71:1.50
508.75
909.69
499.00
000.00
689.53
607.25
'.is l. 21
738.39
037. 74
58,202,778.61
2,248,917.88
16,395,029.23
1,066,243.60
. 182.01
19,441,819.53
406,193.50
241,936.00
10B,698.00
11,787,680.00
20, 825.1 in
5,356,318.50
20,1:11,958.62
412,575.11
5,235,997.21
543,139.33
784, 69ii, 711. si
Cash in Office
and Banks.
7,719,311.
61,076.
36.
186.
20,305,308.
113,037.
OKI, 55".
479,750.
243,125.
90,014.
190,299.
51,757.
314,120.
170,457.
943,903.
74,29:.
16,658,142.
784,585.
20,382,479.
203.
3,553,346.
108,369.
518,011.
89.
Oil.
411,267.
412, 4S9.
4,285,411.
3,215.
104,731.
32,:i43.
51,838.
370,171.
36,102.
128,5(14.
230,456.
1,846,630.
412,730.
42,863.
293,419.
82,153,743.90
Interest and
Rents Due
and
Accrued.
690,062.95
1,184.27
2,690,
23,
311,
12,
72,
17,
142,
12,
405,
118,
1,176,
68,
2,717,
390,
1,665,
020.46
393.99
265.28
323.69
020. 70
422.70
751.74
039.60
584.2(5
410.78
937.72
065.12
673.05
783.47
438.88
2,187,131.95
53,387.20
442,947.50
Deferred and
Unpaid.
Premiums.
691,074.68
66,693.64
All Other.
6,372,772,
327,921.
51(5,378.
1(17,(170.
264,005.
51,208,
241,637.
32,700.
703,70((.
134,557,
873,953,
49,014,
4,335,45-,,
518,388,
4,903,049.
iki
93
12 !
86
69
38
70
18
24
59
20
Is
09
34
60
180.78
1*3,799.35 !
656.13
14,000.00
~~2~512~26"
~~4"036.73
"liOiiToi'
1,901,680.53
207,629.32
1,263,567.23
127,014.10
26,222.02
718.40
154,151.63
64,(172.09
362,020.30
12,240.73
9,415.70
685. fid
227,007.14
313.37
9,034.01
198,722.02
287,034.35
914,526.39
75,523.44
116,279.59
14,529,533.65
256,127.91
517,372.00
1,617,756.26
120,856.93
104,183.16
5,610.00
434,591.76
17,119.17
176,746.07
361,501.63
698,332.69
441,499.78
239,165.69
259,05s. Ill
74,754.98
40,924.95
16.66
~48~73o791~
~~64~605 ~03~
49,412
99
16,921
10
Total.
59,609,691.17
915,999.14
36.H5
267.60
330,473,308.84
3,929, 78s. 44
28,790,810.35
3,146,328.97
13,370,862.75
1,060,330.90
16,805,345.54
2,170,860.09
28,291,564.38
7,272,697.26
78,385,815.16
3,078,920.25
352,838,971.67
22,384,263.37
290,743,386.46
203.45
151,944,756.96
4,958,806.36
48,631,075.17
808.34
611.20
14,423,413.50
4,928,481.90
48,630,571.33
3,262.00
1,155,453.23
1,677,030.10
249,794.93
19,611,429.64
130,471.39
1,015,072.54
11,768,025.56
33,844,629.31
29,013,535.59
8,993,780.08
16,200,433.03
27,901,937.24 | 2,060,582.12 j 1,641,060,791.97
(xxiii)
TABLE No. VIII
Showing the Character of the LIABILITIES of Life Insurance
ending December
Name of Company.
Net Reserve.
Present Value
Matured En-
dowment and
Installment
Policies.
Losses and Claims.
Adjusted and
Unadjusted.
Resisted.
*i£tna Life
$ 50,563,979.00
568,596.00
$ 70,971.00
1,599.93
$ 199,001.00
16,000.00
$ 23,679.00
11,000.00
Bankers Life of New York
Breadwinners Mutual and Benev.
Carolina Benevolent
Equitable Life of New York
Fidelity Mutual
Germania Life ... _
256,007,493.00
3,027,925.00
24, 67 1 , 869. 00
321,359.00
11,818,946.00
766,107.00
14,847,400.00
1,807,138.00
25,399,432.00
6,845,914.39
70,589,337.00
3,040,880.(111
286,796,760.00
19,588,667.14
237,713,904.00
1,082,566.77
62,294.00
15,572.00
1,908,749.00
114,590.00
115,599.36
357,996.00
49,708.00
5,220.00
88,376.00
9,931.90
87,712.66
8,885.48
418,549.07
9,648.14
1,360,619.70
45,327.19
1,951,651.29
96,800.00
18,000.00
8,255.44
14 500 00
Hartford Life _
Home Life of New York
14,907.00
33,000.00
Life of Virginia .__
Manhattan Life . __
7,612.00
3,705.15
186,861.60
13,598.94
157,953.75
35,000.00
19,218.00
3,000.00
Maryland Life _
Massachusetts Mutual
Michigan Mutual
Mutual Benefit of Newark .
Mutual Life of Kentucky _
23,000.00
Mutual Life of New York . .
361,906.44
59,235.13
262, 95 1.33
52 609 00
National Life of Vermont
23 000 00
New York Life
114 4°2 00
North Carolina Mutual and Prov
Northwestern Mutual Life .
119,410,207.00
3,897,194.00
40,854,151.00
532,OS5.00
415,877.96
32,042.00
209,080.54
41 0(19 83
♦Pacific Mutual .
9 002.40
Penn Mutual
570,929.00
People's Benevolent and Relief _
People's Mutual Benevolent .
Phoenix Mutual Life
13,547,257.00
4,160,313.00
41,012,766.00
1,165.86
324,195.00
1,126,203.72
22,673.00
17,421,393.00
188,777.00
8,506.00
64,929.07
37,760.00
112,684.00
231,818.74
Provident Savings.
52 049 00
Prudential of America
25 360 44
Security Life and Annuity.
Security Mutual Life.
44,048.35
23,334.00
10,533.00
28,017.00
69,335.34
1,000.00
55,223.21
6 000 00
Security Trust and Life
25,500.00
South Atlantic Life _
State Mutual of Massachusetts
State Mutual Life and Annuity
3,500.00
9,000.00
State Life of Indiana
670,202.03
10,985,846.13
25,986,969.90
25,170,222.00
8,285,404.00
15,503,090.00
16,000.00
117,611.39
149,812.92
71,012.00
83,337.08
100,481.60
5,000.00
*Sun Life of Canada
42,654.96
1,267,781.00
75,325.00
28,028.11
4,904.94
4,875.00
♦Travelers
79,750.00
Union Central _ . __
61,000.00
Union Mutual Life of Maine
Washington Life
Totals
1,311,476,058.53
5,250,599.47
8,566,690.57
797,539.67
'Liabilities from Accident included.
(xxiv)
-LIABILITIES.
Companies (licensed to do business in this State) for year
31, 1901.
Unpaid
Dividends.
All Other
Liabilities.
Total as to
Policy-holders.
Gross
Divisible
Surplus.
Capital
Stock.
Total.
8 798,610.16
$ 2,630,309.76
33,226.85
$ 54,286,609.92
630,422.78
$ 3,573,081.25
185,576.36
§ 1,750,000.00
100,000.00
S 59,609,691.17
915,999.04
360,015.51
677.35
40,859.35
1,701.40
6,331.79
455,054.00
5(1,057.71
105,244.32
1,550,616.90
137,, 838. 39
53,477.02
141,824.49
1,932.12
16,677.17
13,924.72
439,763.66
2,000.00
61,675,011.12
436,380.69
50,535,061.92
203.45
25,985,581.14
208,838.00
3,642,938.83
259,910,678.28
3,273,544.06
24,957,399.47
2,246,173.30
12,060,731.18
824,804.02
15,136,924.01
1,846,728.97
25,905,423.85
6,882,839.41
71,933,206.07
3,052,528.14
350,358,971.67
20,154,051.00
290,743,386.46
203.45
146,662,526.11
4,147,076.40
45,356,064.39
70,462,630.56
656,244.38
3,633,410.88
400,155.67
1,310,131.57
135,526.88
1,568,421.53
224,141.12
2,386,140.53
139,857.85
6,452,609.09
100,000.00
330,473,308.84
3,929,788.44
200,000.00
500,000.00
"100,000.00
100,000.00
100,000.00
28,790,810.35
3,146,328.97
13,370,862.75
1,060,330.90
16,631.52
4,803.80
211,74(1.42
515.88
304,602.59
16,805,345.54
2,170,860.09
28,291,564.38
250,000.00
7,272,697.26
78,385,815.16
100,000.00
3,152,528.14
109,035.41
3,410.85
165 395 92
2,480,000.00
2,230,212.37
352,838,971.67
22,384,263.37
290,743,386.46
203.45
247,765.18
5,282,230.85
311,729.96
3,275,910.78
" "Soo'ooo jxT
151,944,756.96
4,958,806.36
78,965.02
48,631,975.17
611.20
ln.733.00
18,235.57
257,760.54
611.20
13,784,527.00
4,351,787.57
41,765,966.09
1,165.86
459,010.31
1,263,476.15
24,507.61
17,532,054.49
71,111.91
699,418.16
11,181,525.70
28,852,182.45
25,467,925.46
8,405,150.63
15.617.026.75
611.20
638,886.50
476,694.33
4,864,605.24
2,096.14
696,442.92
14,423,413.50
100,000.00
2,000,000.00
4,928,481.90
173,331.30
48,630,571.33
3,262.00
56,749.96
19,103.09
834.61
31,405.28
62,111.93
5,602.39
15,153.57
1,367,868.63
83,113.32
3,913.91
8,550.21
1,155,453.23
500,000.00
196,008.00
1,763,476.15
29,279.32
2,079,375.15
56,246.42
315,654.38
481,499.86
3,992,446.86
4,045,610.13
588,629.45
458,406.28
249,794.93
19,611,429.64
127,358.35
2,613.74
110,472.70
1,015,072.54
105,000.00
1,000,000.00
100,000.00
11,768,025.56
33,844,629.31
7,253.14
4,467 53
29,613,535.59
8,993,780.08
125,000.00
16,200,433.03
2,779,180.56
150,078,759.47
1,508,954,828.27
124,353,176.16
7,926,008.00
1,641,234,012.43
(xxv)
TABLE No. IX
Showing RECEIPTS of Life Insurance
Name of Company.
*iEtna Life
Bankers Life of New York
Breadwinners Mutual and Benevolent.
Carolina Benevolent
Equitable Life of New York
Fidelity Mutual
Germania Life
Hartford Life
Home Life of New York
Life of Virginia :
Manhattan Life
Maryland Life
Massachusetts Mutual
Michigan Mutual
Mutual Benefit of Newark
Mutual Life of Kentucky
Mutual Life of New York
National Life of Vermont
New York Life
North Carolina Mutual and Provident .
Northwestern Mutual Life
♦Pacific Mutual
Penn Mutual
People'6 Benevolent and Relief
People's Mutual Benevolent
Phoenix Mutual Life
Provident Savings
Prudential of America
Security Life and Annuity
Security Mutual Life
Security Trust Life
South Atlantic Life
State Mutual of Massachusetts
State Mutual Life and Annuity
State Life of Indiana
*Sun Life of Canada
♦Travelers
Union Central
Union Mutual Life of Maine
Washington Life
Totals
Premiums.
9,219,773.
610,165.
788.
859.
002.
OSS.
235.
733.
384.
212.
143.
40S.
291.
114.
9S4.
(121.
7S7.
586.
619.
19S.
Oos.
812.
902.
539.
9-14.
988.
800.
750.
669.
062.
732.
461.
514.
784.
341.
187.
169.
615.
308.
448.
48,712
2,457
3,580
2,338
2,3U5
1,151
2,0S2
251
5,137
1,303
11,006
553
51,410
4,307
56,412
2
22,619
2,184
9,682
8
IS
2,647
3,47o
26,681
22
886
783
52
3,360
90
868
2,577
7,407
5,361
1,733
2,529
295,956,650.29
Interest and
Dividends.
2,449,074.10
26,161.17
11,064
105
1,148
9(
493
38
552
85
1,138
341
3,437
141
12,562
854
13,667
,018.91
,357.29
,051.81
,703.76
,907.S9
,960.87
,333.13
,279.14
,169.03
,625.41
,238.62
,853.86
,843.77
,835.25
462.40
6,219,894.85
150,340.95
2,006,200.62
639,866.61
131,477.01
1,630,576.45
30,081.58
22,200.83
10,471.55
692,547.48
1,762.07
32,850.63
155,893.02
1,342,542.22
1,604,033.70
296,515.75
491,064.56
63,963,156.29
♦Premiums from Accident Department included.
(xxvi)
-RECEIPTS.
Companies for year ending December 31, 1901.
Rents.
37,023.46
2,030,352.47
79,115.87
190,934.90
10,181.25
94,813.01
5,145.38
238,663.29
9,078.25
26,623.64
21,817.76
191,386.28
22,699.40
1,110,638.69
145,485.24
529,008.26
375.82
163,175.55
108,471.87
21,349.98
110,441.1)2
25,128.81
36,246.52
315,590.32
All Others.
203,780.78
17,627.31
2,568,231.89
15,708.89
12,157.59
59,082.30
156,066.75
68,053.61
3,621.86
5,496.59
8,655.40
17,614.13
504,035.32
463.09
193,460.90
434,296.92
32,030.95
205,524.18
198,524.17
343,105.03
138,446.29
48,911.92
33,952.20
414,283.53
7,107.14
145,786.27
105,784.87
5,536.78
208,428.58
2,691.88
18,443.38
586.71
41,235.84
43,156.30
5,630.56
39,1171.41
4,771.02
Total
Receipts.
11,909,
654,
64,374,
2,657,
4,931,
2,504,
3,050,
1,195,
2,941,
349,
6,3<>7,
1,675,
14,653,
717,
65,624,
5,308,
70,802,
2
29,471,
2,710,
12,033,
8,
18,
3,372,
3,788,
28,832,
22
922'
1,177,
65,
4,179,
92,
901,
3,095,
8,90.3,
6,997,
2,105,
3,340,
651.60
954.38
788.30
859.70
605.94
270.47
379.32
701.27
172.53
319.08
193.40
387.58
580.89
213.37
223.92
574.45
305.51
369.68
550.87
198.59
784.02
289.48
133.42
539.74
944.00
317.06
026.47
401.81
669. 26
056.85
537.47
625.29
977.01
546.89
8.39
666.07
308.84
609.00
141. '.(4
874.70
Excess of
Receipts over
Disbursements.
3,298,161.09
199,413.29
36.05
186.82
25,183,446.93
666,893.25
1,302,602.70
1,032,
88,
437,
57
1,978,
423,
3,832,
20
23,171,
2,504,
29,819,
3,628,
511
4,594,
299.36
975.50
474.19
390.00
063.25
077.47
073.95
841.76
699.01
670.93
667.39
203.'! 5
851.39
426. 65
708.95
95.84
Excess of
Disbursements
over Receipts.
1,070,045.
1,100,990.
7,205,466.
3,262.
187,846.
184,590.
lo,375.
1,642,994,
28,453.
271,044.
1,269,161.
2,643,051.
3,314,205.
464,324.
73,o35.
18
31
15
00
64
17
04
77
05
87
82
."1!
48
05
65
66,668.14
6,693,046.74
5,142,362.65
371,755,215.97
122,122,917.83
66,668.14
(xxvii)
TABLE No. X-
Showing DISBURSEMENTS of Life Insurance
Name of Company.
♦^EtnaLife
Bankers Life of New York
Breadwinners Mutual and Benevolent,
Carolina Benevolent
Equitable Life of New York
Fidelity Mutual
Germania Life
Hartford Life
Home Life of New York
Life of Virginia
Manhattan Life
Maryland Life
Massachusetts Mutual
Michigan Mutual
Mutual Benefit of Newark
Mutual Life of Kentucky
Mutual Life of New York
National Life of Vermont
New York Life
North Carolina Mutual and Provident .
Northwestern Mutual Life
♦Pacific Mutual
Penn Mutual
People's Benevolent and Relief
People's Mutual and Benevolent
Phoenix Mutual Life
Provident 9a vings
Prudential of America
Security Life and Annuity
Security Mutual Life
Security Trust Life
South Atlantic Life
State Mutual of Massachusetts
State Mutual Life and Annuity
State Life of Indiana
*Sun Life of Canada
♦Travelers
Union Central
Union Mutual Life of Maine
Washington Life
Claims
Paid.
5,440,158.
167,297.
124.
306.
17,512,482.
925,370.
2,080,752.
1,763,614.
921,228.
389,257.
1,301,419.
172,422.
2,009,338.
580,5113.
5,255,985,
308, 5! Hi.
21,744,562.
1,013,165.
18,780,733.
1,024.
6,979,651,
451,272,
3,512,966,
4,447,
3,714,
1,036, 223
1,168,486,
7,4^7,497,
315,462,
50(1,572.
6,500,
1,022,874,
6,235,
2(1(1,269.
805,637.
3,231,563,
1,485,308,
806,327,
1,769,507,
Paid
Annuitants.
686,250.12
20H.00
28,3S3.15
28,569.39
10,291.37
1,201.23
500.00
81,233.23
1,545,514.51
34,749.05
1,562,920.64
18,768.98
4,036.27
154,393.75
For Policies
Surrendered,
etc.
9,387.47
1,707.04
25,504.83
44,499.07
17,759.57
19,410.83
1,308.23
32,506.03
Totals ; 110,098,142.38
4,309,157.76
371,538.98
26,529.94
5,763,109.18
57,904.83
323,049.22
148,855.51
139,643.62
77,841.18
258,892.89
12,477.09
400,847.98
143,985.68
1,257,986.68
92,516.62
3,090,417.68
467,335.52
3,822,814.08
1,768,552.64
87,350.66
795,601.17
277,604.23
176,035.63
553,7S7.00
2,611.31
13,336.00
292,990.76
6,352.45
136,180.94
191,456.00
421,137.18
103,482.82
203,862.40
21,486,087.87
♦Disbursements in Accident Department included.
(xxviii)
DISBURSEMENTS.
Companies for year ending December 31, 1901.
Dividends to
Policy-holders.
892,140.54
5,215.47
Dividends to
Stockholders.
Commissions.
175,000.00 S
6,000.00
3,742,
40,
208,
68,
194,
19,
56,
14
729,
35,
1,742,
33,
2,299,
137,
3,442,
519.57
004.22
135.51
186.74
169.24
766.20
141.09
717.75
304.48
679.96
630.44
26i',. 7s
174.82
996.42
921.18
7,000.00
"24,000.00
40,000.00
15,000.00
12,0110.111)
20,000.00
6,000.00
25,000.00
6,000.00
3,577,503.36
112,300.98
625,223.54
~~i4,oooToo
239,986.17
157,645.74
535,690.98
6,977.60
200,000.00
3,705.83
146.32
427,084.58
33,615.16
79,331.58
303,569.14
60,574.91
183,728.38
20,002,978.98
15,750.00
150,OUO.OO
10,000.00
8,750.00
741,477.60
959,372.17
119,810.95
357.14
32.50
6,402,324.95
410,482.04
389,702.02
286,792.75
318,456.52
287,296.55
283,731.23
28,845.82
626,745.99
241,216.16
1,095,615.22
94,890.66
8,196,629.41
650,793.23
7,344,171.54
485.43
2,688,693.91
442,715.34
1,313,086.11
2,238.41
7,425.15
318,757.78
485,600.31
5,857,701.43
15,580.52
238,416.70
137,725.70
15,846.43
428,755.99
32,248.80
225,725.07
362,499.34
1,500,013.65
770,767.46
280,002.72
384,137.39
43,243, 449. 58
Salaries,
Medical and
Employees'
Fees.
315,105.30 $
71,275.34
77.50
1,644,147.95
299,036.15
322,282.24
143,007.07
240,938.68
236,256.82
255,735.27
33,877.60
263,970.55
116,64.3.74
432,234.41
60,701.56
3,151,073.47
208,766.22
3,529,340.34
350.00
603,607.06
237,242.31
390,825.51
1,395.00
3,714.42
167,802.07
378,460.26
4,304,154.46
909.36
88,638.94
57,119.73
17,321.86
145,057.32
10,329.87
95,626.23
191,370.19
473,121.83
243,199.65
228,077.33
311,343.99
All Other.
458,175.
59,412.
271.
256.
3,433,324.
257,370.
252,472.
120,912.
159,867.
83,925,
317,373.
22,465.
299,309,
108,576,
955,464,
100,766,
2,425,233,
290,892,
2,500,082,
135
1,200,154
849,945
646,328
362
4,090
252,510
312,122
2,722,539
2,917
85,375
284,046
15,581
219,318
15,279.
69,145.
191,235.
696,342
430,010
161,044
374,003.
40
19
01
88
69
43
38
.87
70
,35
,70
,79
,99
,61
,00
,21
,72
,60
.33
.11
.71
.02
.14
.00
.43
.54
.91
.84
.38
.41
.93
.96
.99
57
42
17
.-"J
28
23
71
19,272,665.10 20,384,015.61
Total.
8,611,490.51
455,541.09
752.25
672.88
39,191,159.01
1,990,377.22
3,628,776.62
2,571,369.41
2,017,873.17
1,106,343.58
2,503,619.21
291,997.58
4,3i9, 517.64
1,252,135.90
10,821,149.97
696,732.69
42,452,600.50
2,803,698.75
40,982,883.48
1,995.14
16,842,932.63
2,198,862.83
7,438,4^4.47
8,443.00
18,944.00
2,302,271.88
2,687,036.16
21,626,935.66
19,407.26
734,210.21
992,947.30
55,250.25
2,036,982.24
64,093.84
630,733.52
1,826,504.25
6,260,257.30
3,683,403.52
1,640,817.89
3,267,839.05
239,538,974.88
(xxix)
TABLE No. XI-BUSINESS
Showing BUSINESS IN NORTH CAROLINA of Life
Name of Company.
^Etna Life
Bankers Life of New York
Breadwinners Mutual and Benevolent.
Carolina Benevolent
Equitable Life of New York
Equity Life of Virginia
Fidelity Mutual
Germania Life
Hartford Life
Home Life of New York
Life of Virginia
Manhattan Life
Maryland Life
Massachusetts Mutual
Michigan Mutual
Mutual Benefit of Newark
Mutual Life of Kentucky
Mutual Life of New York
National Life of Vermont
New York Life
North Carolina Mutual and Provident-
Northwestern Mutual Life
Pacific Mutual
Penn Mutual
People's Benevolent and Relief
People's Mutual Benevolent
PhceDix Mutual Life
Provident Savings
Prudential of America
Security Life and Annuity
Security Mutual Life
South Atlantic Life
Security Trust and Life
State Mutual of Massachusetts
State Mutual Life and Annuity
State Life of Indiana
Sun Life of Canada
Travelers
Union Central
Union Mutual Life of Maine
■Washington Life
Totals
Policies in Force at
Beginning or Year.
No.
2,519
331
3,640
"~757~
Amount.
3,853,324.00
1,267,500.00
7,467,791.00
1,019,588.00
579
143
43,409
170
224
114
142
2,919
385
2,992
3,027
1,408
1,151
107
1,846
2,100
6,160
1,151
1,144
102
117
37
210
384
241
1,299
466
2,545
75
347
82,141
1,422,000.00
203,108.00
4,893,285.00
271,378.00
338,025.00
217,340.00
198,637.43
5,104,058.00
44:1,151.00
8,785,197.00
Policies Issued
During the Year.
No.
615
118
431
2f>0
1,078
148
202
24
27,199
7
94
57
242
799
15
853
6,640,744.00
42,240.00
2,589,707.00
156,025.00
3,668,962.00
200.00
1,694,545.00
2,761,008.00
203,775.00
293,522.00
53,500.00
319,320.00
619,826.00
615
1,226
166
07
1,015
1,450
3,682
210
163
191
233
94
104
227
119
583,000.00
568,258.40
1,594,772.00
3,588,033.00
147,286.22
439,147.00
61,444,252.05
339
327
181
688
72
140
43,450
Amount.
853,409.00
299,200.00
16,990.00
260,000.00
2,721,408.00
316,500.00
407,000.00
37,000.00
2,918,404.00
13,400.00
124,770.00
91,500.00
249,194.91
1,212,073.00
24,350.00
1,568,522.00
1,248,531.00
36,180.00
333,500.00
81,280.00
1,837,758.00
140.00
300, .'ill. 00
402,S49.00
398,080.00
601,800.00
168,550.00
213,307.00
341,828.00
239,406.00
586,000.00
278,784.00
533,619.00
921,675.00
159,036.62
187,772.00
20,014,127.53
(sxx)
IN NORTH CAROLINA.
Insurance Companies for year ending December 31, 1901.
Policies Ceased
During the Year.
Policies in Force
December 31, 1901.
Losses.
Total
Premiums
Received
During the
Year.
Unpaid at
Beginning
of Year.
Incurred Paid
No.
Amount.
No.
Amount.
During the
Year.
During the
V'ear.
4S1
94
$ 712,425.00
314,500.00
2,653
355
375
951
$ 3,994,308.00
1,252,200.00
8 601.00
$ 91,053.00
12,000.00
116.10
§ 88,071.97
12,000.00
116.10
$ 120,298.32
34,685.54
788.30
1 306 mi
260,000.00
8,756,335.00
136,000.00
1,504,834.00
306.00 306.00
80,984.00 121,473.00
8,500.00 I 6.350.00
859.70
634 1,432,864.(10 4,081
40,489.00
268,245.05
11,261.00
73 147,754.(10 845
1,000.00
16,016.88
17,016.88
45,006.42
135
16
"5
371,500.00
4(i,850.OO
2,445,024.00
27,m50.00
86,375.00
6,o62.0o
88,786.00
481,521.00
66,341.ii0
646
151
4s,s<;
165
253
165
306
3,434
367
1,457,500.00
199, -.'58.00
5,396,665.00
256,928.00
376,420.00
3(i2,778.00
359,046.34
5,834,610.0(1
407,160.00
9,757,855.00
14,500.00
2,000.00
355.00
39,000.00
3,000.00
7n,266.00
5, 85o. 00
11,599.84
53,500.00
5,000.00
69,401.00
5,850.00
9,180.84
49,249.91
6,857.55
210,267.69
8,125.93
12,196.83
8,496.79
78
284
33
3,575.00
3,000.00
63,295.00
8,000.00
56,014.00
3,000.00
63,479.00
S,oo0.00
ln,202.95
199,154.81
9.000.72
289
595, 864. 00 3,556
51,014.00 255,643.16
241
300
470,995.00
9,000.00
13,938.00
75, OOf 1.00
680,635.00
3,101
2,334
1,314
129
2,484
3,210
7,862
1,177
1,109
278
233
181
96
298
463
7,418,280.00
69,420.00
2,923,207.00
162,305.00
4,826,085.00
25,800.00
81,695.34
98,982.02
246,196.60
3
45
377.00
8,834.00
8,923.00
94,329.96
5,932.32
377
340
16,033.76
33,775.00
4,417.59
45,533.76
160,489.89
140.00
1 990
14,774.00
184
198
15
299,017.00
448,785.00
33,714.00
1,695,839.00
2,715,072.00
568,141.00
601,800.00
363,055.00
177,500.00
442,938.00
795,440.00
2,000.00
19,066.47
15,273.00 ' 15,273.00
46,000.00 48,000.00
4,992.37 . 17,100.00
62,073.38
81,650:04
21,320.05
21,503.40
30
45
89,017.00
89,307.00
218,210.00
63,786.00
1,017.00
8,451.68
5,119.25
139
40
3,000.(10 3,000.00
5,713.73 i 5,713.73
19,105.21
26,577.00
89
165,000.00 491
294,430.00 1,036
314,107.('0 548
336,060.00 2,985
117,500.(10 107
129,457.00 395
1,004,000.00
552,612.40
1,814,284.00
4,173,«48.00
188,822.84
497,402.00
6,000.00 6,000.00
4,702.31 '• 4,063.21
22,807.67 1 23,509.67
16,500.00 20,500.00
19,209.29
590
99
248
40
"T'noo.oo
2,000.00
19,363.76
44,674.80
125,610.49
4,757.92
92
200.00
13,300.00 11,500.00
17,407.09
29,(141
10,664,390.00 96,555
71,084,714.58
127,997.23
62,008.83 J 821,857.18 2,249,026.90
(xxxi)
STATISTICAL TABLES
RELATING TO FRATERNAL
ORDERS.
TABLE No. XII-
Showing INCOME, DISBURSEMENTS, ASSETS AND
Name (if Order.
American Guild
Ancient Order United Workmen
Anvil
Bankers Union of the World
Endowment Rank Knights of Pythias
Family Protective Union
Famobrosis Society
Fraternities Accident Order
Grand Fraternity
Improved Order Heptasophs
Industrial Aid
♦Knights of Damon
Knights of Honor
Knights of Kadosh
Knights and Ladies of Honor
Knights of Harmony
Knights of Mystic Chain
Ladies of the Maccabees ,
Masonic Mutual Relief
Modern Puritans :.
National Union
Order of Select Knights
Ridgely Protective Association
Royal Arcanum
Royal Benefit Society
Savannah Benevolent and Aid
Sovereign Camp Woodmen of the World
Supreme Ruling Fraternal Mystic Circle
United States Protective Society
Receipts.
From
Members.
142,400.
68,998.
Miscella-
neous.
5,220.45
19,062.93
Total.
147,6<il.44
88,001.27
Dis-
To
Members.
81,774.13
80,000.00
129,958.
,803,240.
13,121.
10,007.32
32,813.10
57.39
139,965.49
1,830,053.43
13,178.80
53,393.57
1,655,363.06
5,120.63
47,991.
89,701.
,226,158.
151,083.
157.05
8,610.32
2,739.41
440.00
IS, 312. 87
98,312.24
1,288,897.56
151,523.75
20,060.91
41,581.57
1,081,847.86
43,791.45
309,595.
315,810.
8,155.84
3,317,751.77
3,227,088.94
5,698.08
27.50
1,321,508.45
27.50
1,175,275.00
708,834.
39,198.
3,455.
795,315.
39,233.
139,072,
038,842.
50,460,
4,171.
184,229.
261,471,
13,531.
5,555.73
921.00
1,825.85
2,769.18
10,205.22
1,383.49
102,452.15
54.00
26,343.39
45,706.99
10,180.79
' 714, 390. ('3
40,119.19
5,281.35
1,798,084.93
49,438.61
141,055.49
7,141,294.32
50,514.41
4,171.85
2,210,573.37
307,17s. 03
23,712.20
Totals.
20,566,536.91
301,577.24 20,868,114.15
429,297.43
33,208.90
1,564.48
1,674,750.00
30,300.00
64,302.34
6,595,116.66
18,614.65
697.70
1,794,916.43
220,019.30
2,531.68
18,336,722.69
♦Consolidated with American Guild.
(xxxiv)
FRATERNAL ORDERS.
LIABILITIES for year ending December 31, 1901.
BURSEMENTS.
Assets is Funds.
Total
Assets.
Total
Miscella-
neous.
Total.
Mortu-
ary.
Reserve.
Emergency.
Expense.
Liabilities.
$ 55,517.71
6,331.47
? 137,291.84
86,331.47
8 IS, 245. 56
$ 53,591.82
$
s
$ 101,837.38
1,097.78
$ 29,000.00
360.35
84,462.51
196,400.98
8,192.32
137,856.08
1,851,764.04
13,312.95
25,126.39
227,128.14
2,275.20
16,759.95
285,830.88
207.7"
849.40
560.65
26,215.02
46.281.93
96,967.40
1,177,350.55
152,907.38
16,051.57
156,555.04
212,023.43
10,996.79
15,401.57
65,385.83
95,502.69
2,093.00
102,050.85
1,234.38
105,512.68
109,115.93
94,201.25
3,321,290.19
2,037.94
40,914.31
1,004.51
198.53
346,647.39
487,780.52
90,476.74
50 63
1,265,751.74
5n_fia
16,511.60! 181,954.70
113,210.06
159,994.52 580,291.95
7,568.61 4u,777.51
141,926.13
139,392.37
139,392,38
7,362.73
428,823.61
25,919.14
5.605.84
58,762.33
17,138.60
3,295.93 4,860.41
5,000.00
204,324.55
2,241.76
455,001.67
605.84
117,601.28 1,792,351.28
26,816.27 425,140.82
491.87 8,709.19
12,532.98 56,736.56
132,049.96 2,902,638.13
5,488.12 6.038.12
194,000.00
9,916.68 46,216.68
74,253.23 138,555.57
201,353.53 6,796,470.19
5,975.56
23,40(K38
1,567,3S8.68
3,596.21
900.00
2,154,440.31
30,072.90 18,687.55
3,275 3,973.38
550.00
790.75
310,074.10 2,104,990.53
81,754.05 301,773.:;.!
20,952.71! 23,484.39
24,575.5!)
10,391.211
-
268,351.12
73,500.45
5,778.52
125.36
571,330.23
138,855.03
2,788.84
298,705.23
55,031.67
500.00
1,843, 966.:;u 20,180,688.99 1,068,139.19
240,723.46
2,074,198.17 209,196.16
5,855,072.07
3,839,573.36
(xxxv)
TABLE No. XIII-
Showing EXHIBIT OF CERTIFICATES
Name of Order.
American Guild
Ancient Order United Workmen.
Anvil
In Force Deoemebr,
31, 1900.
No.
r,37
939
Amount.
5,595,500.00
3,719,000.00
Issued During 1901.
No.
6,218
385
Amount.
8,603,500.00
6ul, 000.00
Bankers Union of the World
Endowment Rank Knights of Pythias—
Family Protective Union
Framobrosis Society
Faternities Accident Order
Grand Fraternity
Improved Order Heptasophs
Industrial Aid
Knights of Honor ■
Knights of Kadosh
Knights and Ladies of Honor
Knights of Harmony
Knights of Mystic Chain
Ladies of the Maccabees
Masonic Mutual Relief
Modern Puritans
National Union
Older of Select Knights
Ridgely Protective Association
Royal Arcanum
Royal Benefit Society
Savannah Benevolent and Aid
Sovereign Camp Woodmen of the World-
Supreme Ruling Fraternal Mystic Circle
Union Indemnity League
United States Protective Society
n,
66,
1
851
561
437
17,293,750.00
116,363,500.00
1,115,01)0.00
11,095
14,825
878
6,
3
55,
28,
59
711
578
102
090
932
19,241,000.0(1
950,000.00
91,694,000.00
561,800.00
105,136,500.00
4,701
1,931
4,522
32,054
2,854
49,789
57,212,000.00
7,912
65,
1,
336
354
62,103,633.00
1,354,000.00
52,
3,
14,
210,
4,
129,
13,
152
502
519
(174
352
440
837
303
1,214
144,892,000.00
3,548,750.00
1,497,800.00
558,825,000.1111
814,075.01)
8,698.00
219,831,200.00
21,312,883.33
16,003
249
303
8,843
1,136
3,593
31,055
6,324
526
48,199
5,798
265,250.00
4,711
Totals 891,510 1,433,365,339.33
12,714,(100.00
22,050,500.00
607,250.00
9,817,500.00
258,500.00
5,693,500.00
641,080.00
2,790,500.00
7,133,500.00
12,618
278
1,020
12,732
1,037
359
48,646
986
8
64,532
5,598
,000.00
,000.00
,200.00
,000.01)
000.00
,300.00
,500.00
,350.00
,910.00
,900.00
,450.00
664,5 r .0.00
214,115 I 239,398,090.00
(xxxvi)
FRATERNAL ORDERS.
for year ending December 31, 1901.
Terminated During 1900.
In Force December
31, 1901.
Increase.
Decrease.
No.
Amount.
No.
Amount.
No.
Amount.
No.
Amount.
1 944
S 2,103,500.00
326,000.00
8,908
2,122
$ 12,095,500.00
3,994,000.00
4,274
183
$ 6,500,000.00
280,000.00
202
14 851
13,269,950.00
37, 148, 5' in. no
1,752,250.00
14,095
57,075
1,538
16,737,805.00
101,265,500.00
1,192,250.00
3,756
9,486
455,945.00
24,311
2 315
15,098,000.00
111
47,250.00
3 ''S 9
8,004,500.00
151,9iMl.on
14,370,000.110
444,360.00
11,080,500.00
8,130
4,493
50,304
37,926
55,773
21,054,000.00
1,057,500.00
83,017,500.00
758,520.00
96,85.',5n0.00
1,419
915
1,813,000.00
106,600.00
1 016
9 3^0
4,798
8,676,500.00
22,218
7 013
9,836
196,720.00
4,159
8,284,000.00
5 889
5,762,000.00
51,808
58,583,500.00
2,023
1,371,500.00
4 116
3,981,781.00
172,000.00
13,000.00
9,630,0011.00
557,250.00
39O,7on.0O
21,767,500.00
7711,925.00
6,4l)O.0U
35,493,100.00
3,489,366.67
77,223
1,435
300
61,946
4,081
14,221
231,132
6,028
662
153,017
15,908
70 739,852.00
11 .887
8,636,219.00
106,500.00
168
1 460,500.00 81
3
1,007,200.00
5 049
147,994,000.00
4,028,500.00
1,466,400.00
9.704
579
289,800.00
479,750.00
557
3 891
298 ' 31,400.oo
9,997
4 648
585,701,000.00
1,029,500.00
11,148.00
248,871,000.00
23,421,966.66
21,058
26,879,000.00
215,425.00
2,450.00
29,039,800.00
2,109,083.33
1,676
222
23,180
2,605
304
25 019
3 193
1 718
528,02(1.0(1
4,140
401,780.00
2,926
136,530.00
151,024
171,208,562.67
862.265
1,472,318,921.66
95,269
78,209,627.33
22,497
32,545,845.00
(xxxvii)
TABLE No. XIV-
Showing BUSINESS IN NORTH CAROLINA
Name of Order.
American Guild
Ancient Order United Workmen-
Anvil
Certificates in Force
December 31, 1900.
No.
136
130
Amount.
253, 000. "0
257,000.00
Certificates Issued
in 1901.
No.
35
17
Amount.
44,5U0.0(i
27,000.00
Bankers Union of the World
Endowment Rank Knights of Pythias _.
Family Protective Union
Famobrosis Society
Fraternities Accident Order
Grand Fraternity „-
Improved Order Heptasophs
Industrial Aid
Knights of Damon
Knights of Honor
Knights of Kadosh
Knights and Ladies of Honor
Knights «f Harmony
Knights of Mystic Chain
Ladies of the Maccabees
Masonic Mutual Relief
Modern Puritans
National Union
Order of Select Knights
Ridgely Protective Association
Royal Arcanum
Royal Benefit Society
Savannah Benevolent and Aid
Sovereign Camp Woodmen of the World-
Supreme Ruling Fraternal Mystic Circle.
Union Indemnity League
United States Protective Society
188
1,702
124
21, Si «). ill)
3,437,000.00
125,500. 00
2U4
150
46
24
87,000.1)0
62
984
1,881,000.00
28
4,240
901
304
496
Totals 9,118
1,952
827
912
369
1,654,500.00
"478^666.00
9,000.00
928,000.00
5,399,500.00
169,700.00
l,753,70i).i)ii
706,lon.oo
17,420,800.00
22
49
54
329
2S0
513
1,157
578
589
39
8,467
384,500.00
210,000.00
35,000.00
143,000.00
198,500.00
84,920.00
7,500.00
27,500.00
26.41
59,000.00
430,000.00
28,000.00
996,500.00
101,520.00
11,920.00
799,400.00
54,500.00
3,703,286.41
(xxxviii)
FRATERNAL ORDERS.
for year ending December 31, 1900.
Certificates Termi-
nated in 1900.
Certificates in Force
December 31, 1901.
Assessments
Collected.
Losses.
No.
Amount.
No.
Amount.
Incurred.
Paid.
27
8
3 31,000.00
14,000.00
144
139
| 266,500.00
270,000.00
$ 3,532.98
9 2,060.00
4,000.00
9 2,060.00
4,000.00
125
377
12
154,800.00
805,000.00
10,500.00
327
1,535
158
415,500.00
2,842,000.00
150,000.00
1,867.32
45,392.08
470.94
1,002.21
19,000.0't
460.83
1,002.21
25,000.00
460.83
3
13,0(i(i.(«i
83
217,000.00
170.00
11.14
11.14
2:34
1,551
403,< .00
31,020.00
878
2,695
1,676,500.00
53,900.oo
2o, 5 15. 20
3,930.00
23,000.00
24,000.00
106
193,50(1.11(1
801
1,468,500.00
50,856.90
64,000.00
70,000.00
29
47,000.00
297
458,500.0(1
12,310.91
11,500.00
11,500.00
21
23,000.00
42
45,000.00
803.25
191
271,o0o.oo
634
1,087,000.00
9,076.39
15,000.00
15,000.00
178
96
782
353
17,800.00
262,0 tO. 00
122,700.00
7,27o.oo
334,400.00
59,000.00
102
2,369
1,202
225
1,287
371
1(1,200.00
6,134,000.00
208,520.00
4,650.00
2,218,700.00
761,600.00
843.00
• 73,808.31
8,376.45
202.50
91,000.00
1,440.00
202.50
85,000.00
2,065.00
214
37
15,316.50
8,706.69
9,600.00
7,000.00
4,800.00
7,000.00
4,344
2,799,990.00
13,292
18,288,070.00
236,047.82
253,415.83
252,101.68
(xxxix)
STATISTICAL TABLES
RELATING TO ACCIDENT, CASUALTY, FIDELITY
AND SURETY COMPANIES.
TABLE No. XV
Showing ASSETS of Fidelity and Casualty
Name of Company.
*iEtna (Accident Department)
American Bonding and Trust
American Credit-indemnity ____:
American Surety of New York
City Trust, Safe Deposit and Surety Co..
Employers' Liability
Fidelity and Casualty
Fidelity and Deposit of Maryland
Hartford Steam-boiler
Maryland Casualty
National Surety
New York Plate-glass
Pennsylvania Casualty
Preferred Accident
Standard Life and Accident
♦Travelers (Accident Department)
Union Surety and Guaranty
United States Fidelity and Guaranty
Totals.
Real Estate.
27,131.91
3,054,567. lfi
653,350.00
567,818.73
60(i,00ii. (in
38, 750. 0U
91,775.00
69,970.88
105,817.87
135,466.47
5,344,648.02
Bonds and
Mortgages
Loans.
111,809.63
2, 500.no
61,700.00
510,345.00
2,000.00
2,450.00
382,287.00
154,944.34
6,000.00
1,234,035.97
Bonds and
Securities
Owned.
1,105,
655,
1,817,
437,
1,433,
3,28!,
4,621,
1,929,
1,935,
1,213,
386,
16,
7no
610,
766.44
218.75
761.50
707.no
717.50
989.00
243.00
115.00
716.24
965.75
535.00
150.00
737.50
305.00
1,654.83
1,150,736.10
21,300,318.61
♦Assets shown in Life Tables.
(xlii)
-ASSETS.
Companies for year ending December 31, 1901.
Collateral
Loans.
Cash.
Interest and
Rents Due
and Accrued.
Unpaid
Premiums.
Miscellaneous.
Total.
8
~"l48~O20.61
S
""98,066.26
133,966.68
297,543.26
414,240.84
2,687.70
207,903.71
$
'""23,170.2s"
2,035.00
24,781.13
23,486.00
10,876.25
3,403.97
$
'""777T27.32
37,012.50
SO, 415. 64
11,065.48
248,987.77
351,959.62
82,906.99
237,479.73
2^8,724.12
44,098.30
33,166.38
19,0)8.06
94,902.50
154,764.71
60,761.84
49,441.84
3,379.57
220,686.41
71,701.64
1,837.72
S
1,651,855.29
877,674.77
60,654.62
1,428,506.59
5,341,602.88
3,280,742.32
1,767,970.86
4,410,912.75
387,644.06
150,294.37
5,691,794.05
14,742.34
8,465.76
7,554.16
89.50
218.26
3,79-1.74
13,520.77
2,880,726.44
99,730.00
76,330.37
161,647.98
21,828.26
38,864.84
159,564.13
97,402.37
2,476,368.86
1,519,041.19
443,619.64
101,046.53
177,787.69
958,994.87
100,100.22
352.76
1,331,301.34
57,883.08 i 7,225.87
2.0K2.81
21,180.52
172,208.07
350,769.32
2,507,689.44
655,744.00 363,790.07 23,744.73
2,450,538.90
2,651,698.62
161,941.70
1,915,057.71
606,610.68
35,664,850.21
(xliii)
TABLE No. XI
Showing LIABILITIES of Fidelity and Casual
Total Cla
Name of Company.
p
5
o
<
__
W
Employ-
ers'
Liability.
_s
so
u
3
Fidelity
and
Casualty.
_
■
i in
-_>
a
\merican Bonding and Trust Co.
%- —
5
%
8
S
60,983.57
$
American Surety of New York __________
278,262.61
102,008.54
6,115.00
56,935.82
3ity Trust, Safe Deposit and Surety Co _
Employers' Liability- - - - - -
16,700.00
146,431.00
890.00
375,250.00
577,650.00
18,775.50
8,665
Hartford Steam-boiler __
Maryland Casualty _ -_
30,881.27
986.07
207,068.62
5,34;
Vational Surety __ _
60,821.88
Vew York Plate-glass. __ _
3,23<
3'
°ennsylvania Casualty _ _ _ _
1,001.15
86,650.00
58,200.00
2,473.46
9,806.00
Preferred Accident . _ .
Standard Life and Accident ___
2,760.00
207,718.95
^Travelers (Accident Department)
Union Surety and Guaranty -
3,788.71'
75,072.43
United States Fidelity and Guaranty.
Totals ___
339,863.42
7,109.53
1,377,493.61
18,775.50
852,233.40
17,28(
♦Liabilities shown in Life Table.
(_liv)
[ABILITIES.
ipanies for year ending December 31, 1901.
: c
■
- ■-.
a c J5
'Z s OS
o
o:
3
■as
E-H
8-
OS
_3
C
OS
—
o
38,425.00
i,7G2.00
1121.51
650.00 5,819.48
248.50
60,983.57
38,425.00
278,262.61
102,008.54
398,955.001
834,218.24!
208,244.84'
45,121.51
250,749.28
60,821.88
3,234.84
13,560.71
86,650.00
268,678.99
260,657.82.
471,101.73 .
591,552.89 -
134,257.84
728,261.06
1.985,337.37
704,698.55 .
1,646,476.92 .
739,160.66
308,852.80
138,781.20
41,558.71 .
481,860.69 .
523,815.39
4,913.75
2,309,273.08:
3,753.37
284,270.82
5ii, i poo. mi
106,872.00
7,188.88
33,153.94
1,(1110,000.
200,000.
2, 500, lino.
500,000.
•joo,ooii.
250,000.
2,000, ,
500,000.
75i 1,000,
500,000.
100,000,
100,000,
200,000,
250,000,
325,
168,
1,971,
235,
437,
1,080,
2 778
690,
686,
542,
194,
22
190'
255,
300.15
148.04
787.3s
202.86
001.43
157.90
850.66
128.01
458.92
494.51
414.22
662.26
481.18
653.02
1,651,
877,
5,341,
3,280,
1,767,
4,416,
5,H9l,
2,880,
2,476,
1,519,
443,
177,
958,
1,331,
855.29
674.77
602.88
742. 32
970.86
912.75
794.05
726.44
368.86
041.19
619.64
787.69
994.87
301.34
3,788.71
75,072.43
64,733.58
656,794.60
1,983.67,
250,000.00
1,500,000.00
30,263.36
275,822.41
350,769.32
2,507,689.44
1,782.01 5,819.48
38,425.00
2,728,782.15 9,469,910.81. 2,801,409.51
10,800,000.00! 9,864,747.74]
35,664,850.21
(xlv)
TABLE No. XV:
Showing RECEIPTS of Fidelity and Casuall
Premiu
Name of Company.
Accident.
Health.
Employers'
Liability.
Burglary.
Fidelity
and
Surety.
./Etna (Accident Department)
$1,251,588.49
8 78,389.17
$
$
$
American Bonding and Trust .- — _
486,680
American Credit-Indemnity _ .
American Surety of New \ork
1 014 650
City Trust, Safe Deposit and Surety Co. __ ___
219 964
Employers' Liability _ __ .
176,279.59
1,191,116.68
8,960.99
1,368,192. 
