HUMBOLDT FIRE INS.           CO                      547
Deduct reinsurance due or accrued ..................          5,363 48
Net amount of unpaid losses and claims .....................        $66,828
40
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, $384,018.26; un-
earned premiums (fifty per cent) ...............         $19,009 13
Gross premiums (less reinsurance) received and re-
ceivable upon all unexpired fire risks running more
than one year from   date of policy, $1,035,430.18; un-
earned premiums (pro rata) ........................       568,363 72
Total unearned premiums as computed above ...............           760,372
85
Salaries, rents, expenses, bills, accounts, fees, etc., due or accrued. 
     550 0(
Estimated amount hereafter payable for federal, state and other
taxes based upon business of the year of this statement ..........      
 4,800 00
Commissions, brokerage and other charges due or to become due
to agents and brokers ...........................................       
 11.500 00
Total amount of all liabilities except capital .................   $834,051
25
Capital actually paid up in cash           .      .        $300,000 00
Surplus over all liabilities ..      v..................    276,984 26
Surplus as regards policyholders      .    .................. ......    
 576,984 226
Total liabilities         ........................... $1,411,035 51.
RISKS AND PREMIUMS.
-~~~~~~~~~~~~~~~~~~~~~~~~~~ Gr oss
Fire           premiums
risks.          thereon.
Ill force 0o the 31st day of December of the preced-
ing year.......................                       $146,496,868   $l,-448,135
25
Written or renewed during the year ................      102,717,729    1,028,169
1i0
Total......................                        $249,214,597  $2,476,304
35
Deduct those expired and marked off as teraminated       86,490,891     
 858,073 93
In force at the end of the year    :     ..$162,723,706         $1,618,230
42
Deduct amount reinsured ...........        ..............  19,187,787   
 198,781 98
Net amount in force ...........     ...............  $143,535,919  $1,419.448
44
RECAPITULATION OF FIRE RISKS AND PREMIUMS.
Gross               Amount f
premiums      0          on
Year           Term.             Amount         charged,       C X   premium
written.                           covered.        less re-'           unearned.
insurance.    >
_           .
1912 .         One year or less ....  $33,8t36,370  $384,018 261 1-2 I  
$192,009 1 3
1911 ......I Two years .                3,232,109    29,281 87 1-4      
   7,320 4*7
1912 ....I Two years.....         j      172,7621        673 82 3-4     
     505 316
1910           . . | .   rlillree years . I  23,348,002  210,799 22 1-6 
 35,133 20
1.911 ...... I Three years    |       28,953,8101   250,023 46 1-2      
 125,011 73
1912 ....I Three years .......        30,612,8411   265,962 64 5-6      
 221,635 ri53
1909        Four years ........          225,2111      1,86() 89 1-8 I  
     232 6(t
1910 .      Four years ........          174,8321      2,057 42 3-8     
  * 771 53
1911 .      I Four years ........        793,7931     10,388 72 5-8  I  
   6,492 95
1912 .....  I Four years ........         48,6851        496 07 7-8     |
    434 07
1908 ...     1 Five years .........     1 597,9641    20,219 35 1-10 I  
   2.021 94
1909 .... Five years .........          2,865,0151    32,808 52 3-10 I  
   9,842 55
1910 .... Five years .........         3,654,9251     43,952 11 1-2     
  21,976 06
1911 ...      1 Five years,.           5,656,0391     68,260 491 7-10   
  47,782 34
1912 ....   Five years .........       7,467,5131    92,337 091 9-10 1  
  83,103 38
Over five years......I       896,0481      6,308 511P. R.I      6,100 00
I       Totals ....     1 $143,535,9191 $1,419,448 441......  I $760,372
85
I  I             1      1~~~~~~~~~~~~~~~~~-