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Results for 2010*
Ratio Item Unusual Values 
Equal to or:
States' Result
Over Under
1 Gross Premium to Surplus 900 --- 121
2 Net Premium to Surplus 300 --- 19
3 Change in Net Writings 33 (33) (2)
4 Surplus Aid to Surplus 15 --- 12
5 Two-Year Overall Operating Ratio 100 --- 53
6 Investment Yield 10 3.0 3
7 Gross change in surplus 50 (10) 14
8 Liabilities to liquid Assets 105 --- 62
9 Gross Agents' Balances to surplus 40 --- 0
10 One-Year Reserve Development to Surplus 20 --- 0
11 Two-Year Reserve Development to Surplus 20 --- (20)
12 Estimated Current Reserve Deficiency to Surplus 25 --- (15)
*These ratios are derived from States' NAIC filing as of December 31, 2010. (These ratios are calculated following the end of each calendar year.)

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