v3.26.1
Note 4 - Segment Data (Tables)
6 Months Ended
Jun. 30, 2026
Notes Tables  
Segment Reporting [Table Text Block]
   

Three Months Ended June 30, (Unaudited)

   

Six Months Ended June 30, (Unaudited)

 
   

2026

   

2025

   

2026

   

2025

 

Revenues:

                               

Life insurance operations

  $ 14,083,296     $ 13,374,112     $ 27,104,612     $ 25,640,280  

Annuity operations

    6,489,765       6,825,022       12,941,197       13,091,553  

Corporate operations

    870,509       2,182,518       1,558,395       3,259,514  

Total

  $ 21,443,570     $ 22,381,652     $ 41,604,204     $ 41,991,347  

Income (loss) before income taxes:

                               

Life insurance operations

  $ 2,098,792     $ 1,833,786     $ 5,116,884     $ 3,668,474  

Annuity operations

    (309,523 )     175,828       (459,133 )     (425,920 )

Corporate operations

    290,972       1,316,981       82,669       1,825,272  

Total

  $ 2,080,241     $ 3,326,595     $ 4,740,420     $ 5,067,826  

Depreciation and amortization expense:

                               

Life insurance operations

  $ 1,531,357     $ 1,919,120     $ 2,876,953     $ 3,753,043  

Annuity operations

    584,980       588,931       1,123,736       1,173,944  

Total

  $ 2,116,337     $ 2,508,051     $ 4,000,689     $ 4,926,987  
   

(Unaudited)

 
   

Three Months Ended June 30, 2026

 
   

Life Insurance

   

Annuity

   

Corporate

         
   

Operations

   

Operations

   

Operations

   

Total

 

Revenues

                               

Premiums

  $ 11,744,314     $ -     $ -     $ 11,744,314  

Net investment income

    2,293,960       6,374,419       258,852       8,927,231  

Net realized investment losses

    (24,405 )     (67,411 )             (91,816 )

Service fees and other income

    69,427       182,757       611,657       863,841  

Total revenue

    14,083,296       6,489,765       870,509       21,443,570  
                                 

Benefits and claims

                               

Increase in future policy benefits

    4,054,616       -       -       4,054,616  

Death benefits

    4,095,473       -       -       4,095,473  

Surrenders

    882,726       -       -       882,726  

Interest credited to policyholders

    -       4,969,653       -       4,969,653  

Dividend, endowment and supplementary life contract benefits

    132,709       -       -       132,709  

Total benefits and claims

    9,165,524       4,969,653       -       14,135,177  

Expenses

                               

Policy acquisition costs deferred net of amortization

    (1,564,413 )     (253,197 )     -       (1,817,610 )

Amortization of value of insurance business acquired

    44,096       44,096       -       88,192  

Commissions

    3,035,083       798,341       -       3,833,424  

Other underwriting, insurance and acquisition expenses

    1,304,214       1,240,395       579,537       3,124,146  

Total expenses

    2,818,980       1,829,635       579,537       5,228,152  

Total benefits, claims and expenses

    11,984,504       6,799,288       579,537       19,363,329  

Income before federal income tax expense

  $ 2,098,792     $ (309,523 )   $ 290,972     $ 2,080,241  
   

(Unaudited)

 
   

Three Months Ended June 30, 2025

 
   

Life Insurance

   

Annuity

   

Corporate

         
   

Operations

   

Operations

   

Operations

   

Total

 

Revenues

                               

Premiums

  $ 10,985,721     $ -     $ -     $ 10,985,721  

Net investment income

    2,317,562       6,609,583       184,093       9,111,238  

Net realized investment gains and loss on impairments

    (1,398 )     (21,560 )     -       (22,958 )

Service fees and other income

    72,227       236,999       1,998,425       2,307,651  

Total revenue

    13,374,112       6,825,022       2,182,518       22,381,652  
                                 

Benefits and claims

                               

Increase in future policy benefits

    3,847,949       -       -       3,847,949  

Death benefits

    3,878,238       -       -       3,878,238  

Surrenders

    750,541       -       -       750,541  

Interest credited to policyholders

    -       4,818,377       -       4,818,377  

Dividend, endowment and supplementary life contract benefits

    101,740       -       -       101,740  

Total benefits and claims

    8,578,468       4,818,377       -       13,396,845  

Expenses

                               

Policy acquisition costs deferred net of amortization

    (988,803 )     170,616       -       (818,187 )

Amortization of value of insurance business acquired

    46,518       46,518       -       93,036  

Commissions

    2,778,246       399,251       -       3,177,497  

Other underwriting, insurance and acquisition expenses

    1,125,897       1,214,432       865,537       3,205,866  

Total expenses

    2,961,858       1,830,817       865,537       5,658,212  

Total benefits, claims and expenses

    11,540,326       6,649,194       865,537       19,055,057  

Income before federal income tax expense

  $ 1,833,786     $ 175,828     $ 1,316,981     $ 3,326,595  
   

(Unaudited)

 
   

Six Months Ended June 30, 2026

 
   

Life Insurance

   

Annuity

   

Corporate

         
   

Operations

   

Operations

   

Operations

   

Total

 

Revenues

                               

Premiums

  $ 22,430,563     $ -     $ -     $ 22,430,563  

Net investment income

    4,585,286       12,709,311       491,206       17,785,803  

Net realized investment gains

    21,419       56,878       -       78,297  

Service fees and other income

    67,344       175,008       1,067,189       1,309,541  

Total revenue

    27,104,612       12,941,197       1,558,395       41,604,204  
                                 

Benefits and claims

                               

Increase in future policy benefits

    6,712,327       -       -       6,712,327  

Death benefits

    8,225,475       -       -       8,225,475  

Surrenders

    1,580,492       -       -       1,580,492  

Interest credited to policyholders

    -       9,725,657       -       9,725,657  

Dividend, endowment and supplementary life contract benefits

    232,319       -       -       232,319  

Total benefits and claims

    16,750,613       9,725,657       -       26,476,270  

Expenses

                               

Policy acquisition costs deferred net of amortization

    (2,937,211 )     (263,559 )     -       (3,200,770 )

Amortization of value of insurance business acquired

    88,191       88,192       -       176,383  

Commissions

    5,640,805       1,315,954       -       6,956,759  

Other underwriting, insurance and acquisition expenses

    2,445,330       2,534,086       1,475,726       6,455,142  

Total expenses

    5,237,115       3,674,673       1,475,726       10,387,514  

Total benefits, claims and expenses

    21,987,728       13,400,330       1,475,726       36,863,784  

Income before federal income tax expense

  $ 5,116,884     $ (459,133 )   $ 82,669     $ 4,740,420  
   

(Unaudited)

 
   

Six Months Ended June 30, 2025

 
   

Life Insurance

   

Annuity

   

Corporate

         
   

Operations

   

Operations

   

Operations

   

Total

 

Revenues

                               

Premiums

  $ 21,144,797     $ -     $ -     $ 21,144,797  

Net investment income

    4,220,687       12,259,607       449,227       16,929,521  

Net realized investment gains and loss on impairments

    212,842       626,404       -       839,246  

Service fees and other income

    61,954       205,542       2,810,287       3,077,783  

Total revenue

    25,640,280       13,091,553       3,259,514       41,991,347  
                                 

Benefits and claims

                               

Increase in future policy benefits

    6,387,866       -       -       6,387,866  

Death benefits

    7,843,231       -       -       7,843,231  

Surrenders

    1,526,108       -       -       1,526,108  

Interest credited to policyholders

    -       9,589,981       -       9,589,981  

Dividend, endowment and supplementary life contract benefits

    230,527       -       -       230,527  

Total benefits and claims

    15,987,732       9,589,981       -       25,577,713  

Expenses

                               

Policy acquisition costs deferred net of amortization

    (1,902,763 )     537,214       -       (1,365,549 )

Amortization of value of insurance business acquired

    93,036       93,036       -       186,072  

Commissions

    5,295,597       581,743       -       5,877,340  

Other underwriting, insurance and acquisition expenses

    2,498,204       2,715,499       1,434,242       6,647,945  

Total expenses

    5,984,074       3,927,492       1,434,242       11,345,808  

Total benefits, claims and expenses

    21,971,806       13,517,473       1,434,242       36,923,521  

Income before federal income tax expense

  $ 3,668,474     $ (425,920 )   $ 1,825,272     $ 5,067,826  
Segment Reporting, Reconciliation of Asset by Segment to Consolidated [Table Text Block]
   

(Unaudited)

                         
   

June 30, 2026

   

December 31, 2025

                 

Assets:

                               

Life insurance operations

  $ 185,401,006     $ 180,762,415                  

Annuity operations

    515,402,138       493,747,063                  

Corporate operations

    14,283,957       14,674,801                  

Total

  $ 715,087,101     $ 689,184,279                  
Segment Reporting, Reconciliation of Revenue by Segment to Consolidated [Table Text Block]
   

(Unaudited)

 
   

Life Insurance

   

Annuity

   

Corporate

         
   

Operations

   

Operations

   

Operations

   

Total

 

Revenues

                               

Premiums

  $ 758,593     $ -     $ -     $ 758,593  

Net investment income

    (23,602 )     (235,163 )     74,758       (184,007 )

Net realized investment gains and loss on impairments

    (23,007 )     (45,851 )     -       (68,858 )

Service fees and other income

    (2,800 )     (54,243 )     (1,386,767 )     (1,443,810 )

Total revenue

    709,184       (335,257 )     (1,312,009 )     (938,082 )
                                 

Benefits and claims

                               

Increase in future policy benefits

    206,667       -       -       206,667  

Death benefits

    217,235       -       -       217,235  

Surrenders

    132,185       -       -       132,185  

Interest credited to policyholders

    -       151,276       -       151,276  

Dividend, endowment and supplementary life contract benefits

    30,969       -       -       30,969  

Total benefits and claims

    587,056       151,276       -       738,332  

Expenses

                               

Policy acquisition costs deferred net of amortization

    (575,609 )     (423,814 )     -       (999,423 )

Amortization of value of insurance business acquired

    (2,422 )     (2,422 )     -       (4,844 )

Commissions

    256,837       399,090       -       655,927  

Other underwriting, insurance and acquisition expenses

    178,316       25,964       (286,000 )     (81,720 )

Total expenses

    (142,878 )     (1,182 )     (286,000 )     (430,060 )

Total benefits, claims and expenses

    444,178       150,094       (286,000 )     308,272  

Income (loss) before federal income taxes

  $ 265,006     $ (485,351 )   $ (1,026,009 )   $ (1,246,354 )
   

(Unaudited)

 
   

Life Insurance

   

Annuity

   

Corporate

         
   

Operations

   

Operations

   

Operations

   

Total

 

Revenues

                               

Premiums

  $ 1,285,766     $ -     $ -     $ 1,285,766  

Net investment income

    364,598       449,704       41,980       856,282  

Net realized investment gains and loss on impairments

    (191,422 )     (569,527 )     -       (760,949 )

Service fees and other income

    5,390       (30,533 )     (1,743,099 )     (1,768,242 )

Total revenue

    1,464,332       (150,356 )     (1,701,119 )     (387,143 )
                                 

Benefits and claims

                               

Increase in future policy benefits

    324,461       -       -       324,461  

Death benefits

    382,244       -       -       382,244  

Surrenders

    54,384       -       -       54,384  

Interest credited to policyholders

    -       135,676       -       135,676  

Dividend, endowment and supplementary life contract benefits

    1,792       -       -       1,792  

Total benefits and claims

    762,881       135,676       -       898,557  

Expenses

                               

Policy acquisition costs deferred net of amortization

    (1,034,448 )     (800,773 )     -       (1,835,221 )

Amortization of value of insurance business acquired

    (4,844 )     (4,845 )     -       (9,689 )

Commissions

    345,208       734,211       -       1,079,419  

Other underwriting, insurance and acquisition expenses

    (52,875 )     (181,412 )     41,484       (192,803 )

Total expenses

    (746,959 )     (252,819 )     41,484       (958,294 )

Total benefits, claims and expenses

    15,922       (117,143 )     41,484       (59,737 )

Income (loss) before federal income taxes (benefits)

  $ 1,448,410     $ (33,213 )   $ (1,742,603 )   $ (327,406 )