ILUMBERMENS INS. CO.                           589
Gross premiums (less reinsurance) received and re-
ceivable upon all unexpired fire risks running one
year or less from date of policy, including interest
premiums on perpetual fire risks, $150,028.05; un-
earned premiums (fifty per cent) ..................  $75,014 03
Gross premiums (less reinsurance) received and re-
ceivable upon all unexpired fire risks running more
than one year from date of policy, $359,248.00; un-
earned premiums (pro rata) ........................  190,186 07
Total unearned premiums as computed above ........ .......    265,200 10
Amount reclaimable by the insured on perpetual fire insurance
policies, being 90 per cent of the premium or deposit received....  182,006
S8
Estimated amount hereafter payable for federal, state and other
taxes based upon business of the year of this statement  ........   3,000
00
Commissions, brokerage and other charges due or to become due to
agents and brokers ............    ..................................  1,594
20
Return premiums ............  ......................................... 
380 5i
Total amount of all liabilities except capital .................  $467,456
30
Capital actually paid up in cash ......................  $250,000 00
Surplus over all liabilities ............................ 1,115,738 96
Surplus as regards policyholders ..................................... 1,365,738
96
Total liabilities                   .           .           $1,833,195 26
RISKS AND PREMIUMS.
Gross
Fire         premiums
risks.         thereon.
In force on the 31st day of December of the preced-
ing year ...........................................  $58,399,310  $627,534
92
Written or renewed during the year .....    .........  35,649,776   365,052
49
Total .$94,049,086                                            $992,587 41
Deduct those expired and marked off as terminated    34,938,795     364,351
66
In force at the end of the year ..... .........  $59,110,291  $628,235 75
Deduct amount reinsured .......      .................  9,653,504   118,959
70
Net amount in force .......   ...................  $49,456,787  $509,276
05
Perpetual risks not included above, $7,745,487.00. Deposit premiums on same,
$202,229.84.