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Trend Analysis--Annual (click here for Quarterly Analysis) For the definition of a financial field, click on the field name. Balance Sheet ($000)   2012Y 2011Y 2012/ 2011 Ch (%) 2010Y 2011/ 2010 Ch (%) Cash and Investments 8,043,100 7,541,700 6.65 5,256,300 43.48 Total Reinsurance Assets 2,479,700 2,262,200 9.61 1,254,200 80.37 Total Deferred Policy Acquisition Costs 489,500 458,600 6.74 345,300 32.81 Intangible Assets 184,900 185,500 (0.32) 179,200 3.52 Separate Account Assets 0 0 0.00 0 0.00 Total Assets 13,484,900 12,598,600 7.03 8,569,900 47.01 Total Policy Reserves 8,671,800 8,052,400 7.69 4,798,000 67.83 Total Debt 849,400 911,100 (6.77) 605,900 50.37 Total Liabilities 10,889,500 10,114,600 7.66 6,109,400 65.56 Total Mezzanine Level Items 0 0 0.00 0 0.00 Common Equity 2,595,400 2,484,000 4.48 2,460,500 0.96 Total Equity 2,595,400 2,484,000 4.48 2,460,500 0.96 Shares Outstanding (actual) 44,297,934 44,600,000 (0.68) 44,900,000 (0.67) Income Statement ($000)   2012Y 2011Y 2012/ 2011 Ch (%) 2010Y 2011/ 2010 Ch (%) Total Policy Revenue 4,239,100 3,598,600 17.80 2,841,000 26.67 Net Investment Income 275,000 265,000 3.77 246,200 7.64 Realized Gains 25,200 21,300 18.31 30,700 (30.62) Total Revenue 4,590,700 3,931,600 16.76 3,152,200 24.73 Total Policy Expenses 2,974,400 2,550,800 16.61 1,856,300 37.41 Underwriting & Other Expenses 1,523,100 1,287,800 18.27 1,038,500 24.01 Interest Expense 61,900 55,000 12.55 44,300 24.15 Total Expenses 4,562,000 3,910,000 16.68 2,941,100 32.94 Provision for Taxes (17,400) (9,900) 75.76 57,900 NM Net Income 55,900 36,700 52.32 154,800 (76.29) Net Income After Taxes 46,100 31,500 46.35 153,200 (79.44) Per Share Items ($)   2012Y 2011Y 2012/ 2011 Ch (%) 2010Y 2011/ 2010 Ch (%) Diluted EPS Before Extraordinary 1.02 0.69 47.83 3.31 (79.15) Diluted EPS After Extraordinary 1.23 0.80 53.75 3.34 (76.05) Operating EPS 0.33 0.31 6.45 2.64 (88.26) Book Value, Excluding FASB 115 49.60 49.39 0.41 50.58 (2.35) Dividends Declared 1.2300 1.1250 9.33 1.0000 12.50 Underwriting Performance Ratios (%)   2012Y 2011Y 2012/ 2011 Ch (bp) 2010Y 2011/ 2010 Ch (bp) GAAP Loss Ratio 70.20 70.80 (60) 65.30 550 GAAP Expense Ratio 34.20 33.90 30 34.80 (90) GAAP Combined Ratio 104.40 104.70 (30) 100.10 460 Underwriting Analysis ($000)   2012Y 2011Y 2012/ 2011 Ch (%) 2010Y 2011/ 2010 Ch (%) Net Premiums Written 4,368,400 3,593,400 21.57 3,048,000 17.89 Balance Sheet Ratios (%)   2012Y 2011Y 2012/ 2011 Ch (bp) 2010Y 2011/ 2010 Ch (bp) Total Equity / Total Assets 19.25 19.72 (47) 28.71 (899) Tangible Equity / Tangible Assets 18.12 18.52 (39) 27.19 (867) Tangible Common Equity / Tangible Assets 18.12 18.52 (39) 27.19 (867) Policy Reserves / Equity (x) 3.34 3.24 10 1.95 129 Debt / Total Cap, at Book 24.66 26.84 (218) 19.76 708 Cash & Investments / Assets 59.65 59.86 (22) 61.33 (147) Profitability Ratios (%)   2012Y 2011Y 2012/ 2011 Ch (bp) 2010Y 2011/ 2010 Ch (bp) ROAA 0.43 0.36 7 1.86 (150) ROAE 2.14 1.48 66 6.49 (501) Operating ROAA 0.12 0.14 (2) 1.47 (133) Operating ROAE 0.58 0.57 1 5.12 (455) Investment Yield 3.87 4.61 (73) 5.36 (76) Operating Margin 1.43 1.41 2 7.20 (578)

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