felanders/preprocessed huggingface dataset:
A summary of the quarterly results of operations for the years ended December 31, 1996, and December 31, 1995, is incorporated by reference from the Annual Report to Shareholders on page 69 of this report.
AFLAC owns an 18-story office building, which is the worldwide headquarters of the Parent Company and AFLAC, along with a six-story parking garage. These structures are located on approximately 14 acres of land in Columbus, Georgia. In addition, AFLAC Real Estate Holdings, Inc. (AREH), a wholly owned subsidiary of the Parent Company, owns a two-story building located on the same property. AFLAC also owns an administrative office building located nearby. The Parent Company, AFLAC and AREH also own and lease office space and warehouse facilities at other locations in the United States.
The principal executive offices of the Company and its subsidiaries are located in 40,281 square feet of leased office space at 650 Town Center Drive, Costa Mesa, California. The lease on this facility was extended as of October 1, 1995 through March 31, 2007, with a five-year option to extend. Additional offices are maintained in leased premises in Chicago, Illinois; Philadelphia, Pennsylvania; Atlanta, Georgia; Tulsa, Oklahoma; and Phoenix, Arizona.
- MANAGEMENT'S DISCUSSION AND ANALYSIS OF RESULTS OF OPERATIONS AND FINANCIAL CONDITION This item is incorporated by reference to Management's Discussion and Analysis of Results of Operations and Financial Condition in the 1996 Annual Report.
FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA. - ------- -------------------------------------------- The consolidated financial statements from the Company's Annual Report to Stockholders for the year ended December 31, 2003, which is included as Exhibit 13(c) to this Form 10-K, are incorporated herein by reference.
The Registrant owns three office buildings in downtown Minneapolis, Minnesota, which serve as its home offices. Space in the home office buildings not used by the Registrant is rented to other tenants. Northern, United Services and Bankers Security lease office space in downtown Seattle, Washington; Arlington, Virginia; and Woodbury, New York, respectively. In addition, the Registrant leases space in various cities of the United States for regional group, pension and claims offices.
Selected financial data of the Company for each of its last five fiscal years is set forth under "Selected Financial Data" in the Company's 1995 Annual Report to Stockholders. Such information is incorporated herein by reference.
The response to this Item is incorporated by reference to page 29 of the Company's Annual Report to Stockholders for the year ended December 31, 1999, which is included as Exhibit (13) to this Form 10-K Report.
The response to this Item is incorporated by reference to pages 13 through 28 of the Company's Annual Report to Stockholders for the year ended December 31, 1999, which is included as Exhibit (13) to this Form 10-K Report.
The consolidated financial statements on pages 18 to 30 of the Company's Annual Report to stockholders for the year ended December 31, 1998, which is included as Exhibit (13) to this Form 10-K Report, are incorporated herein by reference.
The information required by Item 8 is incorporated herein by reference to pages 12 through 32 of the Company's 2000 Annual Report to Shareholders.
The Property and Casualty Group leases facilities at 19 locations in 11 states with an aggregate square footage of approximately 313,000. The latest expiration date of the existing leases is July 2007.
The information required by Item 8 is incorporated herein by reference to pages 31 through 47 of the Company's 1999 Annual Report to Shareholders.
The Company’s principal executive office is located in Irvine, California in approximately 6,600 square feet of leased space. The lease expires in September 2007. The Company leases its branch offices in 49 states, which range in size from 1,000 square feet up to approximately 16,000 square feet. The lease terms for the branch offices range from monthly to seven years. The Company believes that its facilities are adequate for its current needs and that suitable additional space will be available as required.
Incorporated herein by reference from the 1995 Annual Report to Stockholders, pages 20 and 21.
The home office of Aetna, owned by Aetna Life Insurance Company, is a building complex located at 151 Farmington Avenue, Hartford, Connecticut, with approximately 1.6 million square feet. The company also owns or leases other space in the greater Hartford area as well as various field locations throughout the country. (Please see MD&A - Overview in the Annual Report.)
"Management's Discussion and Analysis of Consolidated Financial Condition and Results of Operations" on pages 15-19 of the Company's 1993 Annual Report to shareholders is incorporated herein by reference.
"5-Year Summary of Selected Financial Information" in Zenith's 2006 Annual Report to Stockholders is hereby incorporated by reference.
CIGNA’s Consolidated Financial Statements and the report of its independent auditors in CIGNA’s Annual Report are incorporated by reference, as is the unaudited information set forth under the caption “Quarterly Financial Data - Consolidated Results”.
The Consolidated Financial Statements, Notes to Consolidated Financial Statements, Independent Auditors Report and unaudited Quarterly Data are incorporated herein by reference to the Annual Report.
Refer to the Management’s Discussion and Analysis of Financial Condition and Results of Operations on pages 6 through 32 of the 2011 Financial Report to Shareholders, attached as Exhibit 13 and incorporated by reference herein. Certain accounting policies are viewed by management to be “critical accounting policies.” These policies relate to unpaid loss and settlement expenses, investment valuation and other-than-temporary impairment, recoverability of reinsurance balances, deferred policy acquisition costs and deferred taxes. A detailed discussion of these critical accounting policies can be found on pages 8 through 13 of the 2011 Financial Report to Shareholders, attached as Exhibit 13 and incorporated by reference herein.
See pages 18 through 23 of the Annual Report to Shareholders for the fiscal year ended December 31, 1995.
Reference is made to the information under the caption "Management's Discussion and Analysis of Financial Condition and Results of Operations" contained on pages 17 through 23 of the registrant's 1998 Annual Report to Stockholders, which information is incorporated herein by reference.
The information on pages 28 through 39 of the Company's 1997 Annual Report to Shareholders is incorporated herein by reference.
The selected consolidated financial data of the Company appears in a separate section of this Annual Report on Form 10-K immediately preceding the Management Discussion and Analysis of Financial Condition and Results of Operation section and is incorporated herein by this reference.
Management’s Discussion and Analysis of Financial Condition and Results of Operations appears in a separate section of this Annual Report on Form 10-K and is incorporated herein by this reference.
Selected Financial Data. 	Incorporated by reference to pages 18 and 19 of the Registrant's 1999 	Annual Report to Shareholders.
Return on average equity is calculated as the annual net (loss) income divided by the average of the shareholders’ equity on the first and last day of the respective year.
Diluted book value per common share is calculated as shareholders’ equity divided by the number of common shares outstanding on the balance sheet date, after considering the dilutive effects of stock grants, options granted to employees and convertible preferred shares, calculated using the treasury stock method. At December 31, 2005 the average weighted number of shares outstanding, including the dilutive effect of employee stock options, stock grants and convertible preferred shares using the treasury stock method was 72,617,755.
Management’s Discussion and Analysis of Financial Condition and Results of Operations appears in a separate section of this Annual Report on Form 10-K beginning on page 27 and is incorporated herein by this reference.
The Company’s consolidated financial statements and schedule, as listed under Item 20, appear in a separate section of this Annual Report on Form 10-K beginning on pages 33 and 20, respectively and are incorporated herein by this reference.
The information contained in Consolidated Financial Statements, Notes to Consolidated Financial Statements, Report of Independent Registered Public Accounting Firm and “Quarterly Data (unaudited),” beginning on page 77 of the Annual Report, is incorporated herein by reference.
The principal assets of the registrant at September 30, 2003 are eighteen real estate contracts receivable.
Information on pages 23 through 29 of the 1994 Annual Report is incorporated herein by reference.
Trenwick's corporate headquarters and Trenwick America Re's offices are located in approximately 46,000 total square feet of leased office space at One Canterbury Green, Stamford, Connecticut. In connection with the acquisition of Chartwell, Trenwick assumed a lease of approximately 53,000 square feet of space at Four Stamford Plaza in Stamford, Connecticut. Chartwell Managing Agents leases approximately 39,000 square feet of space in London, England and Trenwick International leases office space in London, England and Paris, France. Management believes Trenwick's current office space is adequate for its needs. See Note 8 of Notes to the Consolidated Financial Statements of Trenwick.
The information called for by this item can be found in Trenwick's 1999 Annual Report to Stockholders immediately following the section captioned "Management's Discussion and Analysis of Financial Condition and Results of Operations" and to the items included in Item 14(a) of this report, and is incorporated herein by reference.
This item is incorporated by reference to pages 18 through 36 of the 1999 Annual Report to Shareholders filed with this Form 10-K.
The 1994 Consolidated Financial Statements and the report of the registrant's independent auditors and the unaudited information set forth under the caption "Quarterly Data" is incorporated herein by reference to the Annual Report.
Incorporated by reference to “Six Year Financial Summary Data” on pages 14 and 15 of Midland’s 2002 Annual Report to Shareholders.
Management’s Discussion and Analysis of Financial Condition and Results of Operations appears in a separate section of this Annual Report on Form 10-K beginning on page 40 and is incorporated herein by this reference.
The information contained in Consolidated Financial Statements, Notes to Consolidated Financial Statements, Report of Independent Registered Public Accounting Firm and Quarterly Data (unaudited), beginning on page 41 of the Annual Report, is incorporated herein by reference.
The principal offices of MMC's risk and insurance services subsidiaries in the UK are located on the eastern side of the City of London in The Marsh Centre. This freehold building, owned by a subsidiary of MMC, comprises 360,000 square feet containing offices located around a central atrium, and ancillary facilities including a shopping mall.
The selected financial data on page 63 of the 1999 Annual Report are incorporated herein by reference.
Information on pages 33 through 40 of the 1999 Annual Report is incorporated herein by reference.
MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS Pages 27 through 39 of the 1996 Annual Report to Stockholders are incorporated herein by reference.
Incorporated by reference from the section entitled Financials at a Glance in the Company s Annual Report to Shareholders for the year ended December 31, 1996.
The Financial Statements on pages 21 through 40 of the Registrant's annual report to security holders for the fiscal year ended December 31, 1995, are incorporated herein by reference.
The information required by this Item is incorporated by reference from portions of The PMI Group, Inc. 2001 Annual Report to Stockholders under the heading "Management's Discussion and Analysis" as part of Exhibit 13.1.
See the information in 'Reliance Group Holdings, Inc. & Subsidiaries Financial Review' on pages 20 through 27 of the Reliance Group Holdings' 1994 Annual Report, which information is incorporated herein by reference.
The answer to this Item is incorporated by reference to page 2 of the Company's Annual Report to Stockholders for the year ended December 31, 1996, which is included as Exhibit (13) to this Form 10-K Report.
Total revenues increased by $1,018, or 1%, to $70,587 for the year ended December 31, 2006 from $69,569 for the year ended December 31, 2005. This increase was primarily driven by higher net earned premiums and other considerations of $1,740 due to an increase in premiums related to a closed block of disability business written though our DRMS channel partially offset by decreases in our group life and group dental businesses. In addition, as a result of our annual review of estimates affecting the deferred gain on disposal of businesses we took an additional charge of approximately $600 over the prior year.
The physical property of the Company consists of the home office building and grounds, owned in fee, at 200 Capital Avenue, Frankfort, Kentucky. Adjacent to the home office, the Company owns additional property on Second Street and on Shelby Street in Frankfort, Kentucky. One building is used for Agency and Company meetings; one building is a print shop used by Heritage Printing, one building is used for supplies and additional storage; and one building is leased to a commercial tenant.
HMEC’s home office property at 1 Horace Mann Plaza in Springfield, Illinois, consists of an office building totaling approximately 230,000 square feet which is owned by the Company. The Company also owns buildings with an aggregate of approximately 24,000 square feet at other locations in Springfield. The Company leases buildings in Springfield with an aggregate of approximately 91,000 square feet. In addition, the Company leases office space in other states related to claims and agency offices which are smaller in size. These properties, which are utilized by all of the Company’s operating segments, are adequate and suitable for the Company’s current and anticipated future needs.
The Company’s consolidated financial statements, the report of its independent registered public accounting firm and the selected quarterly financial data required by Item 302 of Regulation S-K are listed in the Index to Financial Information on page of this report.
Our principal office is a building complex that is approximately 1.7 million square feet in size and is located at 151 Farmington Avenue, Hartford, Connecticut. Our principal office is used by all of our business segments. We also own or lease other space in the greater Hartford area, Bethesda, Maryland, Blue Bell, Pennsylvania, and various field locations in the U.S. and several foreign countries. Such properties are primarily used by our Health Care segment. We believe our properties are adequate and suitable for our business as presently conducted.
The Company conducts its Massachusetts operations from approximately 300,000 square feet of space in several buildings, which it owns in Webster, Massachusetts, which is located approximately 50 miles southwest of Boston. The Company's principal administrative offices in Webster consist of recently rehabilitated and newly constructed buildings. Its data processing and operational departments are housed in modern office buildings on a separate nine acre site. In 1998, the Company completed the construction of a 20,000 square foot child care center located on a separate seven acre site in Webster, Massachusetts. The Company operated child care center can provide care for up to 200 children of employees. Commerce West currently leases approximately 12,000 square feet of office space in Pleasanton, California. American Commerce conducts its operations from approximately 40,000 square feet of space in a building located on a two acre site in Columbus, Ohio. American Commerce also leases property at its four district claims offices. The Company considers that its properties are in good condition, are well maintained, and are generally suitable to carry on the Company's business. For additional information concerning property, see Note D to the Company's 2000 Consolidated Financial Statements, which is incorporated herein by reference from page 49 of the Company's 2000 Annual Report.
The five-year financial information under the caption "Selected Consolidated Financial Data" on page 65 of the Company's 2000 Annual Report is incorporated herein by reference.
The information on pages 5 through 30 of the Company's 2000 Annual Report is incorporated herein by reference.
As of December 31, 1994, the Company leased approximately 1,045,000 aggregate square feet of space for administrative offices in the greater Minneapolis-St. Paul, Minnesota area, and for computer facilities and claims processing centers in International Falls and Duluth, Minnesota and San Antonio, Texas. In connection with its operations outside of Minnesota and Texas, as of December 31, 1994, the Company leased 1,588,000 aggregate square feet of office space and space for computer facilities and claims processing centers in the various areas in which its health plans or managed care services specialty programs operate. The Company's leases for office space, computer facilities and claims processing centers expire at various dates through 2000. As of December 31, 1994, the Company owned approximately 185,000 aggregate square feet of space for administrative offices and its staff model clinic operations in Florida.
The information contained under the heading "Financial Highlights" in the Company's Annual Report to Shareholders for the fiscal year ended December 31, 1994 is incorporated herein by reference.
The information contained under the heading "Financial Review" in the Company's Annual Report to Shareholders for the fiscal year ended December 31, 1994 is incorporated herein by reference.
Material appearing under the captions "Report on Consolidated Financial Statements" and "Independent Auditors' Report" and contained in the Company's Consolidated Financial Statements and Notes thereto in the Company's Annual Report is hereby incorporated by this reference.
The Company currently leases space for its home office in Glenmont, New York from Farm Family Life. The Lease Agreement provides for Farm Family Casualty to pay Farm Family Life an annual rental of approximately $712,000. The lease expires on December 31, 1998. See "Related Party Transactions".
MBIA Corp. owns the 265,000 square foot office building on approximately 15.5 acres of property in Armonk, New York, in which the Company and MBIA Corp. have their headquarters. The Company also has rental space in New York, New York, San Francisco, California, Paris, France, Madrid, Spain, Sydney, Australia, London, England and the Republic of Singapore. The Company believes that these facilities are adequate and suitable for its current needs.
The information with respect to selected consolidated financial data regarding the Company is contained under the caption “Selected Consolidated Financial Data” in the 2002 Annual Report and is incorporated by reference to page 1 of Exhibit 13.1 filed with this Form 10-K.
TPG leases its home office in San Francisco, California, which consists of approximately 98,450 square feet of office space. The San Francisco lease expires on December 31,1999. In addition, TPG leases space for 19 PMI and MSC field offices. Such field office leases cover an average of 4,283 square feet and have terms of not more than five years.
The response to this Item is incorporated by reference to page 1 of the Company's Annual Report to Stockholders for the year ended December 31, 2002, which is included as Exhibit (13) to this Form 10-K Report.
Selected Financial Data Selected financial data for the past five years appears on page 29 in the Annual Report to the Stockholders for the year ended December 31, 1996, and is incorporated herein by reference.
Financial Statements and Supplementary Data The consolidated financial statements and notes appear on page 29 through 46 in the Annual Report to Stockholders for the year ended December 31, 1996, and are incorporated herein by reference. See Part IV, Item 14.
The Company and its consolidated subsidiaries own and lease offices in various locations primarily in the United States. None of these properties is material to the Company's business. At December 31, 1998, the Company and its consolidated subsidiaries employed approximately 6,640 persons full time and leased approximately 190 properties. Of those properties, approximately 130 are for Reliance Insurance Group office space, approximately 20 are for RCG Information Technology office space, and approximately 40 are for office space of RCG Moody International Limited, a subsidiary of the Company which provides international inspection and quality assurance services.
Financial Statements and Supplementary Data The consolidated financial statements of the Corporation and notes to such financial statements on pages 58 through 82 of the Annual Report to Shareholders for 1993 are incorporated herein by reference.
The Company owns a two-story, 80,000 square foot building in Peoria, Illinois, which serves as the Corporate Headquarters for RLI Corp., RLI Insurance Company, Mt. Hawley Insurance Company, Underwriters Indemnity Company and Planet Indemnity Company. One RLI Insurance Company Branch Office also leases office space in this building.
Refer to the Management's Discussion and Analysis of Financial Condition and Results of Operations on pages 16 through 25 of the Annual Report to Shareholders for the year ended December 31, 1999 attached in Exhibit 13.
Incorporated by reference to “Six Year Financial Summary Data” on pages 18 and 19 of Midland’s 2004 Annual Report to Shareholders.
Incorporated by reference to pages 32 through 50 of Midland’s 2004 Annual Report to Shareholders.
Argonaut Insurance's headquarters are located in a facility which consists of an office building on approximately two acres of land in Menlo Park, California. Great Central's headquarters are located in a facility in Peoria, Illinois. Argonaut Insurance and Great Central own the buildings in which their
The information required by this Item 7 is set forth in the Company's 2001 Annual Report to Stockholders on pages 19 through 29, and is incorporated herein by reference and made a part hereof.
The information required by this Item 8 is incorporated herein by reference to the Company's 2001 Annual Report to Stockholders and made a part hereof as follows: (1) the consolidated financial statements of Health Net, Inc. and subsidiaries on pages 32 through 57 of the Company's 2001 Annual Report to Stockholders are so incorporated by reference and made a part hereof and (2) the Report of Independent Auditors on page 31 of the Company's 2001 Annual Report to Stockholders is so incorporated by reference and made a part hereof.
The historical consolidated financial data presented below as of and for each of the periods ended December 31, 2004, 2003, 2002, 2001 and 2000 were derived from our consolidated financial statements which are incorporated herein by reference to the Annual Report. The selected consolidated financial data should be read in conjunction with our consolidated financial statements and related notes thereto, and with “Management’s Discussion and Analysis of Financial Condition and Results of Operations” also contained in the Annual Report and incorporated herein by reference.
The Registrant's subsidiaries own and occupy office buildings in nine states and certain foreign countries, and lease office space elsewhere in the United States and in various foreign cities. Loss of the
The "Selected Financial Data" section on pages 6 and 7 of the Company's annual report to security holders for the year ended December 31, 1997, is incorporated herein by reference.
HMEC's home office property at 1 Horace Mann Plaza in Springfield, Illinois, consisting of an office building totaling 225,000 square feet, is owned by the Company. Also in Springfield, the Company owns and leases some smaller buildings at other locations. In addition, the Company leases office space in suburban Dallas, Texas, and Raleigh, North Carolina, for its claims operations and leases some office space related to its field marketing operations. These properties, which are utilized by all of the Company’s business segments, are adequate and suitable for the Company's current and anticipated future needs.
The information required by Item 301 of Regulation S-K is contained in the table in “Item 1. Business - Selected Historical Consolidated Financial Data”.
The Company’s consolidated financial statements, as listed under Item 15, appear in a separate section of this Annual Report on Form 10-K beginning on page 45 and are incorporated herein by this reference. The financial statement schedule is included below under Item 15(a) (2).
The information contained in "Selected Financial Data" on page 16 of the Company's 2001 Annual Report is incorporated herein by reference.
The Company's Consolidated Financial Statements and Report of Independent Auditors are contained on pages 7-23 of The Liberty Corporation Annual Report to Shareholders and is filed as Exhibit 13 on pages 24-39 of this report and are incorporated in this Item 8 by reference. Quarterly Results of Operations are contained on page 19 of The Liberty Corporation Annual Report to Shareholders and is included in Exhibit 13 on page 35 of this report and are incorporated in this Item 8 by reference.
The "Selected Consolidated Financial Data" section on page 8 of the Company's Annual Report to stockholders for the year ended December 31, 1997, which is included as Exhibit (13) to this Form 10-K Report, is incorporated herein by reference.
The financial statements and notes appear on pages 22-43 in the Annual Report to the Stockholders for the year ended December 31, 2003 and are incorporated herein by reference. See Part IV, Item 15.
The consolidated statements of operations, of shareholders' equity and of cash flows for each of the years in the three-year period ended December 31, 2001, and the related consolidated balance sheet of the Company as of December 31, 2001 and 2000, together with the related notes thereto and the report of independent accountants, as well as the unaudited quarterly financial data, all set forth in Exhibit 13 to this Annual Report on Form 10-K, are hereby incorporated by reference in answer to this Item.
The information required by this Item 7 is included under the caption "Management's Discussion and Analysis of Financial Condition and Results of Operations" in our 2003 Annual Report and is incorporated herein by reference.
As of December 31, 2000, the Registrant owned or leased approximately 1,538 automobiles which are used by the Registrant's field adjusters and certain of its management personnel in the United States. Additional vehicles are owned or leased by the Registrant's foreign subsidiaries for use by field and management personnel.
We own 37 buildings and lease another 16 to provide concierge-level claims service at various locations throughout the United States. In addition, the building in Tempe, Arizona is also partially used as a claims service center. In total, these additional buildings contain approximately .8 million square feet. We will continue to expand this service into 2008 and 2009, with approximately 5 new sites expected to be opened, of which 3 sites will replace existing leased facilities.
Management's Discussion and Analysis of Financial Condition and Results of Operations on pages 28 through 43 of the Annual Report is incorporated herein by reference.
The Company's Consolidated Financial Statements and Notes to Consolidated Financial Statements on pages 44 through 67 and the Report of Independent Accountants on page 68 of the Annual Report are incorporated herein by reference, as is the unaudited "Income Statement Data" and "Per Share Data" under the caption "Quarterly Financial Information" on page 69 of the Annual Report.
At December 31, 1997, the Company owned buildings in Oklahoma City, Oklahoma; Fort Myers, Florida; Mobile, Alabama and Victoria, Texas in which the Agencies in those cities are located. In addition, the Company owned a building in Charlottesville, Virginia.
The "Selected Consolidated Financial Data" section on page 8 of the Company's Annual Report to stockholders for the year ended December 31, 1996, which is included as Exhibit (13) to this Form 10-K Report, is incorporated herein by reference.
The "Management's Discussion and Analysis of Results of Operations and Financial Condition" section on pages 9 to 13 of the Company's Annual Report to stockholders for the year ended December 31, 1996, which is included as Exhibit (13) to this Form 10-K Report, is incorporated herein by reference.
Refer to the Management's Discussion and Analysis of Financial Condition and Results of Operations on pages 20 through 25 of the Annual Report to Shareholders for the year ended December 31, 1996 attached in Exhibit 13.
Refer to the consolidated financial statements and supplementary data included on pages 26 through 43 of the Annual Report to Shareholders for the year ended December 31, 1996 attached in Exhibit 13. (See Index to Financial Statements and Schedules attached on page 24.)
The information under the heading "Selected Financial and Statistical Data" as set forth on pages 28-29 of the Company's 1997 Annual Report to Shareholders is incorporated by reference.
The response to this Item is incorporated by reference to pages 12 through 15 of the Company's Annual Report to Stockholders for the year ended December 31, 1998, which is included as Exhibit (13) to this Form 10-K Report.
Underwriting, customer service, and administration activities are located at the Atlanta property. Claims activities are located in the Atlanta, Tampa, Orange, Glendale and Alexandria properties. Claims property damage training is performed at the Marietta property.
The response to this Item is incorporated by reference to page 1 of the Company's Annual Report to Stockholders for the year ended December 31, 2000, which is included as Exhibit (13) to this Form 10-K Report.
Management's Discussion and Analysis of Financial Condition and Result of Operations.
The response to this Item is incorporated by reference to pages 10 through 12 of the Company's Annual Report to Stockholders for the year ended December 31, 2000, which is included as Exhibit (13) to this Form 10-K Report.
The Selected Financial Data are contained in the Registrant's 1995 Annual Report to Stockholders under the heading "Selected Financial Data," which is incorporated herein by reference.
The consolidated financial statements and related notes required in response to this item are contained in the Registrant's 1995 Annual Report to Stockholders, which financial statements and notes are incorporated herein by reference.
Information under the caption "Financial Highlights" on the inside front cover page of the Company's 1999 Annual Report to Shareholders is incorporated herein by reference.
Information under the caption "Management's Discussion and Analysis of Financial Condition and Results of Operations" on pages 18-21 of the Company's 1999 Annual Report to Shareholders is incorporated herein by reference.
The information concerning selected financial data set forth on page 2 of the Company's 1996 Annual Report to Stockholders is incorporated herein by reference.
The Company's 1996 Consolidated Financial Statements, the Report of Independent Auditors thereon and the unaudited "Quarterly Financial Information" set forth on pages 31 through 53 of the Company's 1996 Annual Report to Stockholders are incorporated herein by reference.
The Company owns 42 acres of land in Blue Bell, Pennsylvania on which are situated three office buildings having an aggregate 457,000 square feet. These buildings house the Company's headquarters and most of the activities related to the Company's Mid-Atlantic region. The Company also owns a 110,000 square foot office building in Fairfield, New Jersey, which houses certain of the activities related to the Company's Northeastern region, and a 65,000 square foot warehouse near its headquarters. The Company leases an aggregate 300,000 square feet of office space in thirteen other facilities housing other regional and branch offices and additional member relations and provider payments personnel.
The selected financial data on page 55 of the 2002 Annual Report are incorporated herein by reference.
A description of the major plants and properties owned and operated by Celite and Harborlite is set forth below. All of the following properties are owned, with the exception of Plant # 1 at Quincy, Washington, the plant site at Fernley, Nevada, the headquarters offices at Santa Barbara and Lompoc, California, the Nanterre, France, Beijing, PRC, Santiago, Chile and Izmir, Turkey offices and the plant at Wissembourg, France, which are leased.
The information required by this Item 7 is incorporated by reference from pages 5 through 9, 11 through 13, 15 through 17, and 22 through 24 of Alleghany's Annual Report to Stockholders for the year 2001, filed as Exhibit 13 hereto.
W. R. Berkley and its subsidiaries own or lease office buildings or office space suitable to conduct their operations. At December 31, 2006, the Company had aggregate office space of 1,574,000 square feet, of which 635,000 were owned and 939,000 were leased.
Rental expense was approximately $19,348,000, $17,429,000 and $16,783,000 for 2006, 2005 and 2004 respectively. Future minimum lease payments (without provision for sublease income) are $18,279,000 in 2007, $16,687,000 in 2008 and $49,137,000 thereafter.
The Company believes its properties are adequate and suitable for its business as presently conducted and are adequately maintained. For further information concerning leases, see Note 12 of Notes to Consolidated Financial Statements.
The Consolidated Financial Statements and Financial Statement Schedules of ProAssurance Corporation and subsidiaries listed in Item 15(a) have been included herein beginning on page 74. The Supplementary Financial Information required by Item 302 of Regulation S-K is included in Note 17 of the Notes to Consolidated Financial Statements of ProAssurance and its subsidiaries.
Zenith Insurance owns a 130,000 square foot office facility in Woodland Hills, California which is the corporate home office of Zenith National and its subsidiaries. Zenith Insurance also owns a 120,000 square foot branch office facility in Sarasota, Florida. In the regular conduct of business, Zenith Insurance leases offices in various cities. See Notes to Consolidated Financial Statements - Note 16 - "Commitments and Contingent Liabilities" in Zenith's 2003 Annual Report to Stockholders, which note is hereby incorporated by reference. Zenith considers its owned and leased facilities to be adequate for the needs of the organization.
SAFECO Properties' remaining real estate investments are primarily retail centers. See Item 1 on page 14 of this report.
HL Funding Company, Inc. had a loss for the year ended December 31, 1994 of $243,825 compared to income of $302 for the year ended December 31, 1993. The 1994 loss reflects general operating expenses for the marketing and administration of HLFC's programs exceeding short term interest and program income for the year. During the fourth quarter of 1994, the first program was sold. At December 31, 1994, a total of three programs were sold and premium principal loans were $18,473.
Management's Discussion and Analysis of Financial Condition and Results of Operations is incorporated herein by reference to "Management's Discussion and Analysis" on pages 16-25 in American General's 1995 ARS.
YEAR 2000. The Company is pleased to report that it has not experienced any significant systems or other Year 2000 (Y2K) problems at the turn of the millennium. During the first hours of January, 2000, the systems department successfully completed a turn of century date check out of all systems, applications, connections, hardware and software. All systems continued to be functional and there were no crisis shutdowns.
There has been no material change in total project cost for upgrading systems for Y2K compliance from the approximately $4.4 million previously disclosed. All costs associated with the project have been expensed as incurred. The postponement of known systems projects or other capital spending does not appear to have any material impact on the company's liquidity as the result of the devotion of company resources to preparing for Y2K compliance.
AND 7(A). MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION ----------------------------------------------------------- AND RESULTS OF OPERATIONS AND QUANTITATIVE AND QUALITATIVE ---------------------------------------------------------- DISCLOSURES ABOUT MARKET RISK -----------------------------
This information is included in the Annual Report of the Registrant to its shareholders on pages 18 to 23 for the year ended December 31, 1999 and is incorporated herein by reference (see Exhibit 13 to this filing).
The corporate headquarters are located in approximately 42,000 square feet of leased office space in Atlanta, Georgia. Approximately 8,000 square feet of this space is subleased to an unrelated third party. The Company also has a small office in Dallas, Texas leased under a one-year term. The Company owns no real properties and believes that its leased facilities are adequate for its needs.
The financial statements set forth on pages 14 to 29 of the Registrant's 1996 Annual Report to Shareholders are incorporated herein by reference.
The information required by Item 303 of Regulation S-K is contained in the Index to Financial Information on page herein.
We own six commercial buildings in Peoria, Illinois. Our primary building is a two-story 80,000 square foot office building, which serves as our corporate headquarters. Located on the same 20.6 acre campus is a 24,000 square foot building which is used by two branch offices of RLI Insurance Company and a supporting department. We also own a 25,400 square foot multi-story building used for record storage, a training center and office space. Our corporate campus also includes a 12,800 square foot building used as storage for furniture and equipment and for office space. The final structure is a 15,000 square foot office building, of which 10,000 square feet is leased. None of the buildings are dedicated exclusively to one of our segments. We share ownership with Maui Jim, Inc. of a 16,800 square foot airplane hangar located at the Greater Peoria Regional Airport.
Refer to the Selected Financial Data on pages 66 through 67 of the 2009 Financial Report to Shareholders, attached as Exhibit 13 and incorporated by reference herein.
Information required under this item is incorporated herein by reference to pages 26 and 27, including related notes on page 27 of our 2000 Annual Report to Shareholders.
The consolidated financial statements and supplementary data of the company are incorporated herein by reference to pages 38 through 58, inclusive, of our 2000 Annual Report to Shareholders. An index to the consolidated financial statements is contained in item 14 (a)(1) of this Annual Report on Form 10-K, and the Quarterly financial Information is incorporated herein by reference to page 59 of the 2000 Annual Report to Shareholders.
CIGNA's headquarters are located in approximately 90,240 total square feet of leased office space at One Liberty Place, Philadelphia, Pennsylvania. CIGNA Property & Casualty, CIGNA Group Insurance: Life, Accident, Disability, and CIGNA International are located in a leased building of approximately 1.25 million total square feet at Two Liberty Place, Philadelphia. CIGNA HealthCare, CIGNA Individual Insurance, CIGNA Reinsurance and CIGNA Investment Management are located in a complex of buildings owned by CIGNA, aggregating approximately 1.4 million total square feet of office space, located at 900-950 Cottage Grove Road, Bloomfield, Connecticut. CIGNA's Retirement & Investment Services operations are located in approximately 230,000 total square feet of leased office space at Metro Center One, Hartford, Connecticut. In addition, CIGNA owns or leases office buildings, or parts thereof, throughout the United States and in other countries. For additional information concerning leases and property, see Notes 2(H) and 15 to CIGNA's 1996 Financial Statements included in its 1996 Annual Report. This paragraph does not include information on investment properties.
Reference is made to the information under the caption "Management's Discussion and Analysis of Financial Condition and Results of Operations" contained on pages 22 through 29 of the registrant's 2000 Annual Report to Stockholders, which information is incorporated herein by reference.
The consolidated financial statements of the registrant are contained on pages 30 through 46 of registrant's 2000 Annual Report to Stockholders and are incorporated herein by reference.
The Registrant's home office and educational facilities are owned by the Registrant and located in a suburb of Atlanta, Georgia. The Registrant also owns its Canadian home office facility located in Kitchener, Ontario and an additional office location in Stockport, England. As of December 31, 2005, the Registrant leased approximately 512 office locations under leases with remaining terms ranging from a few months to ten years. The remainder of its office locations are occupied under various short-term rental arrangements.
The information required by this Item is included in the Registrant's Annual Report to Shareholders for the year ended December 31, 2005, under the captions "Consolidated Statements of Income", "Consolidated Balance Sheets", "Consolidated Statements of Shareholders' Investment", "Consolidated Statements of Cash Flows", "Notes to Consolidated Financial Statements", "Quarterly Financial Data (unaudited), Dividend Information and Common Stock Quotations", and "Report of Independent Registered Public Accounting Firm on the Consolidated Financial Statements", and is incorporated herein by reference.
Information required by this is set forth on pages 36 through 62 of LNC's 2000 Annual Report to Shareholders and is incorporated herein by reference.
Our principal office is a building complex located at 151 Farmington Avenue, Hartford, Connecticut that is approximately 1.2 million square feet in size. The principal office is used by all of our business segments. We also own or lease other space in the greater Hartford area; Blue Bell, Pennsylvania; and various field locations throughout the country. Such properties are primarily used by our Health Care segment. We believe our properties are adequate and suitable for our business as presently conducted.
The information contained in Selected Financial Data on page 42 of the Annual Report is incorporated herein by reference.
Information regarding Management’s Discussion and Analysis of Financial Condition and Results of Operations is included in Gallagher’s 2007 Financial Statements under the caption entitled “Management’s Discussion and Analysis of Financial Condition and Results of Operations” and is incorporated herein by reference. All of such information should be read in conjunction with Gallagher’s Consolidated Financial Statements and related notes thereto, which have been incorporated by reference in Item 8 of this annual report.
We and our insurance subsidiaries share headquarters with Donegal Mutual in a building in Marietta, Pennsylvania owned by Donegal Mutual. Donegal Mutual charges us and our insurance subsidiaries for an appropriate portion of the building expenses under an inter-company allocation agreement. The Marietta headquarters has approximately 206,600 square feet of office space. Southern owns a facility of approximately 10,000 square feet in Glen Allen, Virginia. Le Mars owns a facility of approximately 25,500 square feet in Le Mars, Iowa, the Peninsula Companies own a facility of approximately 14,600 square feet in Salisbury, Maryland and Sheboygan owns a facility of approximately 8,800 square feet in Sheboygan Falls, Wisconsin.
We incorporate the response to this Item by reference to pages 19 through 37 of our Annual Report to Stockholders for the year ended December 31, 2008, which we include as Exhibit (13) to this Form 10-K Report.
The “Management’s Discussion and Analysis” section on pages 3 through 15 of Exhibit 13 representing pages 13 through 25 of the Company’s annual report to security holders for the fiscal year ended December 31, 2003, is incorporated herein by reference.
The Financial Statements on pages 16 through 42 of Exhibit 13 representing pages 26 through 52 of the Company’s annual report to security holders for the fiscal year ended December 31, 2003, are incorporated herein by reference.
The Unitrin Life and Health Group leases facilities at 212 locations in 26 states with aggregate square footage of approximately 436,000. The latest expiration date of the existing leases is November 2003.
The Unitrin Property and Casualty Group leases facilities at 14 locations in 11 states with an aggregate square footage of approximately 292,000. The latest expiration date of the existing leases is July 2007.
The Financial Statements (including their related notes and the report of KPMG LLP) are incorporated herein by reference to Exhibit 13.1 hereto. On February 11, 1999, Unitrin's Board of Directors declared a 2-for-1 stock split in the form of a stock dividend payable on March 26, 1999 to shareholders of record on March 5, 1999. Prior to the declaration of the 2-for-1 stock split, the Company had released its Financial Statements for the year ended December 31, 1998. Accordingly, consistent with Topic 4.C. "Change in Capital Securities" of Staff Accounting Bulletin 57, the retroactive effect of the stock split has not been presented in such Financial Statements included in this Item 8.
The Company leases 72,500 square feet for regional offices throughout Virginia and 12,000 square feet for office space in Maryland, North Carolina, Pennsylvania and South Carolina.
Square footage utilized by segment as of December 31, 1999 was as follows: health insurance, 896,300; government programs, 64,100; investments, 3,900; and other reportable segments, 39,800. The remaining 109,400 square feet was used for corporate administration.
Refer to pages 20 through 27, "Management's Discussion and Analysis of Financial Condition and Results of Operations," of Trigon Healthcare Inc.'s 1999 Annual Report to Shareholders, which are incorporated herein by reference.
The following discussion and analysis of our financial condition and results of operations should be read in conjunction with our consolidated financial statements and accompanying notes which appear elsewhere in this report. It contains forward-looking statements that involve risks and uncertainties. Please see "Forward-Looking Statements" for more information. Our actual results could differ materially from those anticipated in these forward-looking statements as a result of various factors, including those discussed below and elsewhere in this report.
Net investment income decreased slightly from $11 million in 2002 to $10 million in 2003 due to lower yielding investment markets. Changes in interest rates during 2003 and 2002 resulted in recognition of realized gains and losses on sales of securities. The Company realized gains of $1 million and losses of $3 million in 2003 and 2002, respectively. We continue to match investment portfolio composition to liquidity needs and capital requirements.
The information set forth under the caption "Selected Financial Data" in the Annual Report to Shareholders of Argonaut Group for the fiscal year ended December 31, 1994, is incorporated herein by reference. See Exhibit Index.
The information set forth under the caption "Management's Discussion and Analysis of Results of Operations and Financial Condition" in the Annual Report to Shareholders of Argonaut Group for the fiscal year ended December 31, 1994, is incorporated herein by reference. See Exhibit Index.
Management’s Discussion and Analysis of Financial Condition and Results of Operations (“Management Narrative”)