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920112_17_item7_p13_s0
920112_16_item7_p13_s0
integral part of their examination process, periodically review the allowance for loan and lease losses carried by the Bank Subsidiaries.
review the allowance for loan losses carried by the Bank Subsidiaries.
2
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920112_17_item7_p157_s3
920112_16_item7_p146_s5
Any outstanding balance on the non-revolving credit line is due on November 30, 2016.
Any outstanding balance on the non-revolving credit line is due in April 2021.
2
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[ "April", "2021" ]
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920112_17_item7_p15_s0
920112_16_item7_p14_s3
Other intangible assets are amortized over their estimated useful lives using straight-line and accelerated methods and are subject to impairment if events or circumstances indicate a possible inability to realize the carrying amount.
Core deposit intangibles and customer relationship intangible assets are amortized over their estimated useful lives using straight-line and accelerated methods and are subject to impairment if events or circumstances indicate a possible inability to realize the carrying amount.
2
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[]
[ "Core", "deposit", "intangibles", "customer", "relationship" ]
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920112_17_item7_p177_s0
920112_16_item7_p167_s0
On a consolidated basis, we maintain a large balance of short-term securities that, when combined with cash from operations, we believe are adequate to meet our funding obligations.
On a consolidated basis, Heartland maintains a large balance of short-term securities that, when combined with cash from operations, Heartland believes are adequate to meet its funding obligations.
2
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920112_17_item7_p178_s0
920112_16_item7_p168_s0
At the parent company level, routine funding requirements consist primarily of dividends paid to stockholders, including the U.S. Treasury, which holds the Series C Preferred Stock, debt service on revolving credit arrangements and trust preferred securities issuances, debt repayment requirements under other obligations and payments for acquisitions.
At the parent company level, routine funding requirements consist primarily of dividends paid to stockholders, debt service on revolving credit arrangements and trust preferred securities issuances, repayment requirements under other debt obligations and payments for acquisitions.
2
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[]
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920112_17_item7_p182_s2
920112_16_item7_p174_s2
Attention will be focused on markets we currently serve, where there would be an opportunity to grow market share, achieve efficiencies and provide greater convenience for current customers.
We are primarily focused on possible acquisitions in the markets we currently serve, in which there would be an opportunity to grow market share, achieve efficiencies and provide greater convenience for current customers.
2
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[ "primarily", "possible", "acquisitions" ]
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920112_17_item7_p194_s0
920112_16_item7_p185_s0
Consolidated financial data included in this report has been prepared in accordance with U.S. generally accepted accounting principles.
Consolidated financial data included in this report has been prepared in accordance with U.S. GAAP.
2
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[]
[ "GAAP" ]
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920112_17_item7_p39_s0
920112_16_item7_p36_s0
Total assets of Heartland were $7.69 billion at December 31, 2015, an increase of $1.65 billion or 27% since year-end 2014.
Total assets were $7.69 billion at December 31, 2015 , an increase of $1.64 billion or 27% since year-end 2014 .
2
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[]
[ "1.64" ]
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920112_17_item7_p39_s2
920112_16_item7_p36_s2
Securities represented 24% of Heartland's total assets at December 31, 2015, compared to 28% at year-end 2014.
Securities represented 24% of total assets at December 31, 2015 , compared to 28% at year-end 2014 .
2
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920112_17_item7_p52_s3
920112_16_item7_p48_s3
Contributing to these improvements in interest expense was a continued change in the mix of deposits as balances shifted from higher cost certificates of deposit to lower cost interest-bearing deposits.
Contributing to these improvements in interest expense was a continued change in the mix of deposit balances.
2
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920112_17_item7_p5_s0
920112_16_item7_p57_s1
In determining that the allowance for loan and lease losses is appropriate, management uses factors that include the overall composition of the loan portfolio, general economic conditions, types of loans, loan collateral values, past loss experience, loan delinquencies, substandard credits and doubtful credits.
The allowance for loan losses is determined using factors that include the overall composition of the loan portfolio, general economic conditions, types of loans, loan collateral values, past loss experience, loan delinquencies, and probable losses from identified substandard and doubtful credits.
2
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[]
[ "determined", "using", "probable", "identified" ]
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920112_17_item7_p12_s1
920112_16_item7_p58_s0
become more unfavorable, certain borrowers may experience difficulty and the level of nonperforming loans, charge-offs and delinquencies could rise and require further increases in the provision for loan and lease losses.
Should the economic climate deteriorate, borrowers may experience difficulty, and the level of nonperforming loans, charge-offs, and delinquencies could rise and require further increases in the provision for loan losses.
2
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[]
[ "economic", "climate", "deteriorate" ]
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920112_17_item7_p64_s2
920112_16_item7_p59_s2
The increased provision in 2014 was primarily a result of a provision of $4.5 million to compensate for a charge-off on a single large credit.
Provision expense in 2015 was lower than in 2014, primarily as a result of a provision of $4.5 million in 2014 to compensate for a charge-off on a single large credit.
2
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[]
[ "Provision", "expense", "lower" ]
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920112_17_item7_p62_s1
920112_16_item7_p5_s0
The allowance for loan and lease losses is determined using factors that include the overall composition of the loan portfolio, general economic conditions, types of loans, loan collateral values, past loss experience, loan delinquencies, and probable losses from identified substandard and doubtful credits.
In determining that the allowance for loan losses is appropriate, management uses factors that include the overall composition of the loan portfolio, general economic conditions, types of loans, loan collateral values, past loss experience, loan delinquencies, substandard credits and doubtful credits.
2
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[ "determining", "appropriate", "management", "uses" ]
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920112_17_item7_p66_s3
920112_16_item7_p62_s3
This decrease was driven primarily by decreases in gains on sale of loans held for sale from our mortgage banking operations, and from decreased gains on the sale of securities.
This increase was driven primarily by increases in gains on sale of loans held for sale from our mortgage banking operations, and from increased gains on the sale of securities.
2
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[]
[ "increase", "increases", "increased" ]
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920112_17_item7_p71_s0
920112_16_item7_p65_s8
Note 8 to the consolidated financial statements contains a discussion of our servicing rights.
Note 8, "Goodwill, Core Deposit Intangibles and Other Intangible Assets," to the consolidated financial statements contains a discussion of our servicing rights.
2
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[]
[ "Goodwill", "Core", "Deposit", "Intangibles", "Intangible", "Assets" ]
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920112_17_item7_p77_s1
920112_16_item7_p70_s1
This impairment charge related to a decline in the credit quality of these securities.
This impairment charge related to a decline in the credit quality of these securities, which management elected to sell during 2016.
2
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920112_17_item7_p92_s7
920112_16_item7_p89_s0
years were primarily in the categories of salaries and employee benefits, occupancy, professional fees and other noninterest expenses, primarily as a result of the acquisitions.
The increases in both years were primarily in the categories of salaries and employee benefits, occupancy, professional fees and other noninterest expenses, primarily as a result of the acquisitions.
2
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920112_17_item7_p39_s0
920112_16_item7_p92_s0
Heartland's total assets were $7.69 billion at December 31, 2015, an increase of $1.64 billion or 27% since December 31, 2014.
Total assets were $7.69 billion at December 31, 2015 , an increase of $1.64 billion or 27% since year-end 2014 .
2
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[ "Total", "year", "end" ]
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920112_18_item7_p140_s0
920112_17_item7_p117_s0
The Bank Subsidiaries participate in the U.S. Department of the Treasury Home Affordable Modification Program ("HAMP") for loans in its servicing portfolio.
The Banks participated in the U.S. Department of the Treasury Home Affordable Modification Program ("HAMP") for loans in its servicing portfolio until the program expired on December 31, 2016.
2
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[]
[ "Banks", "participated", "program", "expired", "December", "31", "2016" ]
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920112_18_item7_p62_s4
920112_17_item7_p12_s1
Should the economic climate deteriorate, borrowers may experience difficulty, and the level of nonperforming loans, charge-offs, and delinquencies could rise and require further increases in the provision for loan losses.
However, if economic conditions should become more unfavorable, certain borrowers may experience difficulty and the level of nonperforming loans, charge-offs and delinquencies could rise and require further increases in the provision for loan losses.
2
[ "<tag1>", "Should", "the", "economic", "climate", "deteriorate", ",", "borrowers", "may", "experience", "difficulty", ",", "and", "the", "level", "of", "nonperforming", "loans", ",", "charge", "-", "offs", ",", "and", "delinquencies", "could", "rise", "and", "require", "further", "increases", "in", "the", "provision", "for", "loan", "losses", ".", "<tag2>", "However", ",", "if", "economic", "conditions", "should", "become", "more", "unfavorable", ",", "certain", "borrowers", "may", "experience", "difficulty", "and", "the", "level", "of", "nonperforming", "loans", ",", "charge", "-", "offs", "and", "delinquencies", "could", "rise", "and", "require", "further", "increases", "in", "the", "provision", "for", "loan", "losses", ".", "<tag3>" ]
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[]
[ "However", "conditions", "become", "unfavorable", "certain" ]
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920112_18_item7_p13_s0
920112_17_item7_p13_s0
review the allowance for loan losses carried by the Bank Subsidiaries.
review the allowance for loan losses carried by the Banks.
2
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[ "review", "the", "allowance", "for", "loan", "losses", "carried", "by", "the", "Bank", "Subsidiaries", "." ]
[ "review", "the", "allowance", "for", "loan", "losses", "carried", "by", "the", "Banks", "." ]
[]
[ "Banks" ]
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920112_18_item7_p187_s1
920112_17_item7_p162_s5
There are no conditions or events since that notification that management believes have changed each institution's category.
There are no conditions or events since that notification that management believes have changed the categorization of any of these entities.
2
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[ "There", "are", "no", "conditions", "or", "events", "since", "that", "notification", "that", "management", "believes", "have", "changed", "each", "institution", "'s", "category", "." ]
[ "There", "are", "no", "conditions", "or", "events", "since", "that", "notification", "that", "management", "believes", "have", "changed", "the", "categorization", "of", "any", "of", "these", "entities", "." ]
[]
[ "categorization", "entities" ]
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920112_18_item7_p45_s0
920112_17_item7_p168_s1
Heartland's unrealized gains and losses on securities available for sale, net of applicable taxes, were at an unrealized loss of $30.2 million at December 31, 2016 , compared to an unrealized loss of $4.1 million at December 31, 2015 .
and losses on securities available for sale, net of applicable taxes, were at an unrealized loss of $19.8 million at December 31, 2017 , compared to an unrealized loss of $30.2 million at December 31, 2016 .
2
[ "<tag1>", "Heartland", "'s", "unrealized", "gains", "and", "losses", "on", "securities", "available", "for", "sale", ",", "net", "of", "applicable", "taxes", ",", "were", "at", "an", "unrealized", "loss", "of", "$", "30.2", "million", "at", "December", "31", ",", "2016", ",", "compared", "to", "an", "unrealized", "loss", "of", "$", "4.1", "million", "at", "December", "31", ",", "2015", ".", "<tag2>", "and", "losses", "on", "securities", "available", "for", "sale", ",", "net", "of", "applicable", "taxes", ",", "were", "at", "an", "unrealized", "loss", "of", "$", "19.8", "million", "at", "December", "31", ",", "2017", ",", "compared", "to", "an", "unrealized", "loss", "of", "$", "30.2", "million", "at", "December", "31", ",", "2016", ".", "<tag3>" ]
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[ "and", "losses", "on", "securities", "available", "for", "sale", ",", "net", "of", "applicable", "taxes", ",", "were", "at", "an", "unrealized", "loss", "of", "$", "19.8", "million", "at", "December", "31", ",", "2017", ",", "compared", "to", "an", "unrealized", "loss", "of", "$", "30.2", "million", "at", "December", "31", ",", "2016", "." ]
[]
[ "19.8" ]
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920112_18_item7_p204_s1
920112_17_item7_p175_s1
Under the terms of the definitive merger agreement, Heartland will acquire Citywide Banks of Colorado Inc., in a transaction valued at approximately $203.0 million as of the announcement date, subject to certain adjustments.
Under the terms of the definitive merger agreement, Heartland will acquire First Bank Lubbock Bancshares, Inc. in a transaction valued at approximately $185.6 million as of the announcement date, subject to certain adjustments.
2
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[ "Under", "the", "terms", "of", "the", "definitive", "merger", "agreement", ",", "Heartland", "will", "acquire", "Citywide", "Banks", "of", "Colorado", "Inc.", ",", "in", "a", "transaction", "valued", "at", "approximately", "$", "203.0", "million", "as", "of", "the", "announcement", "date", ",", "subject", "to", "certain", "adjustments", "." ]
[ "Under", "the", "terms", "of", "the", "definitive", "merger", "agreement", ",", "Heartland", "will", "acquire", "First", "Bank", "Lubbock", "Bancshares", ",", "Inc.", "in", "a", "transaction", "valued", "at", "approximately", "$", "185.6", "million", "as", "of", "the", "announcement", "date", ",", "subject", "to", "certain", "adjustments", "." ]
[]
[ "First", "Bank", "Lubbock", "Bancshares", "185.6" ]
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920112_18_item7_p32_s1
920112_17_item7_p175_s1
Under the terms of the definitive merger agreement, Heartland will acquire Citywide Banks of Colorado Inc., in a transaction valued at approximately $203.0 million as of the announcement date, subject to certain adjustments.
Under the terms of the definitive merger agreement, Heartland will acquire First Bank Lubbock Bancshares, Inc. in a transaction valued at approximately $185.6 million as of the announcement date, subject to certain adjustments.
2
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[ "Under", "the", "terms", "of", "the", "definitive", "merger", "agreement", ",", "Heartland", "will", "acquire", "Citywide", "Banks", "of", "Colorado", "Inc.", ",", "in", "a", "transaction", "valued", "at", "approximately", "$", "203.0", "million", "as", "of", "the", "announcement", "date", ",", "subject", "to", "certain", "adjustments", "." ]
[ "Under", "the", "terms", "of", "the", "definitive", "merger", "agreement", ",", "Heartland", "will", "acquire", "First", "Bank", "Lubbock", "Bancshares", ",", "Inc.", "in", "a", "transaction", "valued", "at", "approximately", "$", "185.6", "million", "as", "of", "the", "announcement", "date", ",", "subject", "to", "certain", "adjustments", "." ]
[]
[ "First", "Bank", "Lubbock", "Bancshares", "185.6" ]
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920112_18_item7_p208_s2
920112_17_item7_p179_s2
At December 31, 2016 , $21.7 million was available on this non-revolving credit line.
At December 31, 2017 , $39.3 million was available on this non-revolving credit line.
2
[ "<tag1>", "At", "December", "31", ",", "2016", ",", "$", "21.7", "million", "was", "available", "on", "this", "non", "-", "revolving", "credit", "line", ".", "<tag2>", "At", "December", "31", ",", "2017", ",", "$", "39.3", "million", "was", "available", "on", "this", "non", "-", "revolving", "credit", "line", ".", "<tag3>" ]
[ "At", "December", "31", ",", "2016", ",", "$", "21.7", "million", "was", "available", "on", "this", "non", "-", "revolving", "credit", "line", "." ]
[ "At", "December", "31", ",", "2017", ",", "$", "39.3", "million", "was", "available", "on", "this", "non", "-", "revolving", "credit", "line", "." ]
[]
[ "39.3" ]
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920112_18_item7_p225_s0
920112_17_item7_p196_s1
Rather, interest rate volatility is based on changes in the expected rate of inflation, as well as on changes in monetary and fiscal policies.
rate of inflation, as well as on changes in monetary and fiscal policies.
2
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[ "rate", "of", "inflation", ",", "as", "well", "as", "on", "changes", "in", "monetary", "and", "fiscal", "policies", "." ]
[]
[]
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920112_18_item7_p41_s0
920112_17_item7_p36_s0
Total assets of Heartland were $8.25 billion at December 31, 2016 , an increase of $552.3 million or 7% since year-end 2015 .
Total assets were $8.25 billion at December 31, 2016 , an increase of $552.3 million or 7% since year-end 2015 .
2
[ "<tag1>", "Total", "assets", "of", "Heartland", "were", "$", "8.25", "billion", "at", "December", "31", ",", "2016", ",", "an", "increase", "of", "$", "552.3", "million", "or", "7", "%", "since", "year", "-", "end", "2015", ".", "<tag2>", "Total", "assets", "were", "$", "8.25", "billion", "at", "December", "31", ",", "2016", ",", "an", "increase", "of", "$", "552.3", "million", "or", "7", "%", "since", "year", "-", "end", "2015", ".", "<tag3>" ]
[ "Total", "assets", "of", "Heartland", "were", "$", "8.25", "billion", "at", "December", "31", ",", "2016", ",", "an", "increase", "of", "$", "552.3", "million", "or", "7", "%", "since", "year", "-", "end", "2015", "." ]
[ "Total", "assets", "were", "$", "8.25", "billion", "at", "December", "31", ",", "2016", ",", "an", "increase", "of", "$", "552.3", "million", "or", "7", "%", "since", "year", "-", "end", "2015", "." ]
[]
[]
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920112_18_item7_p41_s3
920112_17_item7_p36_s2
Securities represented 26% of Heartland's total assets at December 31, 2016 , compared to 24% at year-end 2015 .
Securities represented 26% of total assets at December 31, 2016 , compared to 24% at year-end 2015 .
2
[ "<tag1>", "Securities", "represented", "26", "%", "of", "Heartland", "'s", "total", "assets", "at", "December", "31", ",", "2016", ",", "compared", "to", "24", "%", "at", "year", "-", "end", "2015", ".", "<tag2>", "Securities", "represented", "26", "%", "of", "total", "assets", "at", "December", "31", ",", "2016", ",", "compared", "to", "24", "%", "at", "year", "-", "end", "2015", ".", "<tag3>" ]
[ "Securities", "represented", "26", "%", "of", "Heartland", "'s", "total", "assets", "at", "December", "31", ",", "2016", ",", "compared", "to", "24", "%", "at", "year", "-", "end", "2015", "." ]
[ "Securities", "represented", "26", "%", "of", "total", "assets", "at", "December", "31", ",", "2016", ",", "compared", "to", "24", "%", "at", "year", "-", "end", "2015", "." ]
[]
[]
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920112_18_item7_p45_s0
920112_17_item7_p42_s2
Heartland's unrealized gains and losses on securities available for sale, net of applicable taxes, were at an unrealized loss of $30.2 million at December 31, 2016 , compared to an unrealized loss of $4.1 million at December 31, 2015 .
and losses on securities available for sale, net of applicable taxes, were at an unrealized loss of $19.8 million at December 31, 2017 , compared to an unrealized loss of $30.2 million at December 31, 2016 .
2
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[]
[ "19.8" ]
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920112_18_item7_p204_s1
920112_17_item7_p44_s1
Under the terms of the definitive merger agreement, Heartland will acquire Citywide Banks of Colorado Inc., in a transaction valued at approximately $203.0 million as of the announcement date, subject to certain adjustments.
Under the terms of the definitive merger agreement, Heartland will acquire First Bank Lubbock Bancshares, Inc. in a transaction valued at approximately $185.6 million as of the announcement date, subject to certain adjustments.
2
[ "<tag1>", "Under", "the", "terms", "of", "the", "definitive", "merger", "agreement", ",", "Heartland", "will", "acquire", "Citywide", "Banks", "of", "Colorado", "Inc.", ",", "in", "a", "transaction", "valued", "at", "approximately", "$", "203.0", "million", "as", "of", "the", "announcement", "date", ",", "subject", "to", "certain", "adjustments", ".", "<tag2>", "Under", "the", "terms", "of", "the", "definitive", "merger", "agreement", ",", "Heartland", "will", "acquire", "First", "Bank", "Lubbock", "Bancshares", ",", "Inc.", "in", "a", "transaction", "valued", "at", "approximately", "$", "185.6", "million", "as", "of", "the", "announcement", "date", ",", "subject", "to", "certain", "adjustments", ".", "<tag3>" ]
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[ "Under", "the", "terms", "of", "the", "definitive", "merger", "agreement", ",", "Heartland", "will", "acquire", "First", "Bank", "Lubbock", "Bancshares", ",", "Inc.", "in", "a", "transaction", "valued", "at", "approximately", "$", "185.6", "million", "as", "of", "the", "announcement", "date", ",", "subject", "to", "certain", "adjustments", "." ]
[]
[ "First", "Bank", "Lubbock", "Bancshares", "185.6" ]
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920112_18_item7_p32_s1
920112_17_item7_p44_s1
Under the terms of the definitive merger agreement, Heartland will acquire Citywide Banks of Colorado Inc., in a transaction valued at approximately $203.0 million as of the announcement date, subject to certain adjustments.
Under the terms of the definitive merger agreement, Heartland will acquire First Bank Lubbock Bancshares, Inc. in a transaction valued at approximately $185.6 million as of the announcement date, subject to certain adjustments.
2
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[]
[ "First", "Bank", "Lubbock", "Bancshares", "185.6" ]
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920112_18_item7_p62_s1
920112_17_item7_p5_s0
The allowance for loan losses is determined using factors that include the overall composition of the loan portfolio, general economic conditions, types of loans, loan collateral values, past loss experience, loan delinquencies, and probable losses from identified substandard and doubtful credits.
In determining that the allowance for loan losses is appropriate, management uses factors that include the overall composition of the loan portfolio, general economic conditions, types of loans, loan collateral values, past loss experience, loan delinquencies, substandard credits and doubtful credits.
2
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[]
[ "determining", "appropriate", "management", "uses" ]
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920112_18_item7_p5_s0
920112_17_item7_p62_s1
In determining that the allowance for loan losses is appropriate, management uses factors that include the overall composition of the loan portfolio, general economic conditions, types of loans, loan collateral values, past loss experience, loan delinquencies, substandard credits and doubtful credits.
The allowance for loan losses is determined using factors that include the overall composition of the loan portfolio, general economic conditions, types of loans, loan collateral values, past loss experience, loan delinquencies and probable losses from identified substandard and doubtful credits.
2
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[]
[ "determined", "using", "probable", "identified" ]
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920112_18_item7_p12_s1
920112_17_item7_p62_s3
However, if economic conditions should become more unfavorable, certain borrowers may experience difficulty and the level of nonperforming loans, charge-offs and delinquencies could rise and require further increases in the provision for loan losses.
Should the economic climate deteriorate, borrowers may experience difficulty, and the level of nonperforming loans, charge-offs, and delinquencies could rise and require further increases in the provision for loan losses.
2
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[]
[ "climate", "deteriorate" ]
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920112_18_item7_p83_s2
920112_17_item7_p78_s1
Contributing to the increase during 2016 was a $1.2 million gain associated with a partnership investment, a $602,000 reimbursement from a customer for loan workout expenses that had been incurred and paid in prior years and a $517,000 recovery on a loan charged-off at Premier Valley Bank prior to acquisition.
Included in noninterest income in 2016 was a $1.2 million gain associated with a partnership investment, a $602,000 reimbursement from a customer for loan workout expenses that had been incurred and paid in prior years and a $517,000 recovery on a loan charged-off at Premier Valley Bank prior to acquisition.
2
[ "<tag1>", "Contributing", "to", "the", "increase", "during", "2016", "was", "a", "$", "1.2", "million", "gain", "associated", "with", "a", "partnership", "investment", ",", "a", "$", "602,000", "reimbursement", "from", "a", "customer", "for", "loan", "workout", "expenses", "that", "had", "been", "incurred", "and", "paid", "in", "prior", "years", "and", "a", "$", "517,000", "recovery", "on", "a", "loan", "charged", "-", "off", "at", "Premier", "Valley", "Bank", "prior", "to", "acquisition", ".", "<tag2>", "Included", "in", "noninterest", "income", "in", "2016", "was", "a", "$", "1.2", "million", "gain", "associated", "with", "a", "partnership", "investment", ",", "a", "$", "602,000", "reimbursement", "from", "a", "customer", "for", "loan", "workout", "expenses", "that", "had", "been", "incurred", "and", "paid", "in", "prior", "years", "and", "a", "$", "517,000", "recovery", "on", "a", "loan", "charged", "-", "off", "at", "Premier", "Valley", "Bank", "prior", "to", "acquisition", ".", "<tag3>" ]
[ "Contributing", "to", "the", "increase", "during", "2016", "was", "a", "$", "1.2", "million", "gain", "associated", "with", "a", "partnership", "investment", ",", "a", "$", "602,000", "reimbursement", "from", "a", "customer", "for", "loan", "workout", "expenses", "that", "had", "been", "incurred", "and", "paid", "in", "prior", "years", "and", "a", "$", "517,000", "recovery", "on", "a", "loan", "charged", "-", "off", "at", "Premier", "Valley", "Bank", "prior", "to", "acquisition", "." ]
[ "Included", "in", "noninterest", "income", "in", "2016", "was", "a", "$", "1.2", "million", "gain", "associated", "with", "a", "partnership", "investment", ",", "a", "$", "602,000", "reimbursement", "from", "a", "customer", "for", "loan", "workout", "expenses", "that", "had", "been", "incurred", "and", "paid", "in", "prior", "years", "and", "a", "$", "517,000", "recovery", "on", "a", "loan", "charged", "-", "off", "at", "Premier", "Valley", "Bank", "prior", "to", "acquisition", "." ]
[]
[ "Included", "noninterest", "income" ]
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920112_18_item7_p94_s1
920112_17_item7_p82_s0
Heartland's efficiency ratio will show variability from quarter to quarter as a result of acquisition activities and also from the seasonality and related revenue and expense mismatches that are inherent in the residential mortgage business.
Management expects the efficiency ratio will show variability from year to year as a result of acquisition activities and also from the seasonality and related revenue and expense mismatches that are inherent in the residential mortgage business.
2
[ "<tag1>", "Heartland", "'s", "efficiency", "ratio", "will", "show", "variability", "from", "quarter", "to", "quarter", "as", "a", "result", "of", "acquisition", "activities", "and", "also", "from", "the", "seasonality", "and", "related", "revenue", "and", "expense", "mismatches", "that", "are", "inherent", "in", "the", "residential", "mortgage", "business", ".", "<tag2>", "Management", "expects", "the", "efficiency", "ratio", "will", "show", "variability", "from", "year", "to", "year", "as", "a", "result", "of", "acquisition", "activities", "and", "also", "from", "the", "seasonality", "and", "related", "revenue", "and", "expense", "mismatches", "that", "are", "inherent", "in", "the", "residential", "mortgage", "business", ".", "<tag3>" ]
[ "Heartland", "'s", "efficiency", "ratio", "will", "show", "variability", "from", "quarter", "to", "quarter", "as", "a", "result", "of", "acquisition", "activities", "and", "also", "from", "the", "seasonality", "and", "related", "revenue", "and", "expense", "mismatches", "that", "are", "inherent", "in", "the", "residential", "mortgage", "business", "." ]
[ "Management", "expects", "the", "efficiency", "ratio", "will", "show", "variability", "from", "year", "to", "year", "as", "a", "result", "of", "acquisition", "activities", "and", "also", "from", "the", "seasonality", "and", "related", "revenue", "and", "expense", "mismatches", "that", "are", "inherent", "in", "the", "residential", "mortgage", "business", "." ]
[]
[ "Management", "expects", "year", "year" ]
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920112_18_item7_p41_s0
920112_17_item7_p95_s0
Heartland's total assets were $8.25 billion at December 31, 2016 , an increase of $552.3 million or 7% since December 31, 2015 .
Total assets were $8.25 billion at December 31, 2016 , an increase of $552.3 million or 7% since year-end 2015 .
2
[ "<tag1>", "Heartland", "'s", "total", "assets", "were", "$", "8.25", "billion", "at", "December", "31", ",", "2016", ",", "an", "increase", "of", "$", "552.3", "million", "or", "7", "%", "since", "December", "31", ",", "2015", ".", "<tag2>", "Total", "assets", "were", "$", "8.25", "billion", "at", "December", "31", ",", "2016", ",", "an", "increase", "of", "$", "552.3", "million", "or", "7", "%", "since", "year", "-", "end", "2015", ".", "<tag3>" ]
[ "Heartland", "'s", "total", "assets", "were", "$", "8.25", "billion", "at", "December", "31", ",", "2016", ",", "an", "increase", "of", "$", "552.3", "million", "or", "7", "%", "since", "December", "31", ",", "2015", "." ]
[ "Total", "assets", "were", "$", "8.25", "billion", "at", "December", "31", ",", "2016", ",", "an", "increase", "of", "$", "552.3", "million", "or", "7", "%", "since", "year", "-", "end", "2015", "." ]
[]
[ "Total", "year", "end" ]
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922621_12_item7_p97_s0
922621_11_item7_p103_s0
The property and casualty reserves with the greatest potential for variation are the massive injury reserves.
Reserve estimate variability The property and casualty reserves with the greatest potential for variation are the massive injury lifetime medical reserves.
2
[ "<tag1>", "The", "property", "and", "casualty", "reserves", "with", "the", "greatest", "potential", "for", "variation", "are", "the", "massive", "injury", "reserves", ".", "<tag2>", "Reserve", "estimate", "variability", "The", "property", "and", "casualty", "reserves", "with", "the", "greatest", "potential", "for", "variation", "are", "the", "massive", "injury", "lifetime", "medical", "reserves", ".", "<tag3>" ]
[ "The", "property", "and", "casualty", "reserves", "with", "the", "greatest", "potential", "for", "variation", "are", "the", "massive", "injury", "reserves", "." ]
[ "Reserve", "estimate", "variability", "The", "property", "and", "casualty", "reserves", "with", "the", "greatest", "potential", "for", "variation", "are", "the", "massive", "injury", "lifetime", "medical", "reserves", "." ]
[]
[ "Reserve", "estimate", "variability", "lifetime", "medical" ]
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922621_12_item7_p104_s2
922621_11_item7_p112_s2
The discount on these reserves was $77 million at December 31, 2010.
The discount on these reserves was $37 million at December 31, 2011.
2
[ "<tag1>", "The", "discount", "on", "these", "reserves", "was", "$", "77", "million", "at", "December", "31", ",", "2010", ".", "<tag2>", "The", "discount", "on", "these", "reserves", "was", "$", "37", "million", "at", "December", "31", ",", "2011", ".", "<tag3>" ]
[ "The", "discount", "on", "these", "reserves", "was", "$", "77", "million", "at", "December", "31", ",", "2010", "." ]
[ "The", "discount", "on", "these", "reserves", "was", "$", "37", "million", "at", "December", "31", ",", "2011", "." ]
[]
[]
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922621_12_item7_p105_s1
922621_11_item7_p112_s2
The discount on these reserves was $77 million at December 31, 2010.
The discount on these reserves was $46 million at December 31, 2011.
2
[ "<tag1>", "The", "discount", "on", "these", "reserves", "was", "$", "77", "million", "at", "December", "31", ",", "2010", ".", "<tag2>", "The", "discount", "on", "these", "reserves", "was", "$", "46", "million", "at", "December", "31", ",", "2011", ".", "<tag3>" ]
[ "The", "discount", "on", "these", "reserves", "was", "$", "77", "million", "at", "December", "31", ",", "2010", "." ]
[ "The", "discount", "on", "these", "reserves", "was", "$", "46", "million", "at", "December", "31", ",", "2011", "." ]
[]
[]
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922621_12_item7_p104_s2
922621_11_item7_p113_s1
The discount on these reserves was $50 million at December 31, 2010.
The discount on these reserves was $37 million at December 31, 2011.
2
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[ "The", "discount", "on", "these", "reserves", "was", "$", "50", "million", "at", "December", "31", ",", "2010", "." ]
[ "The", "discount", "on", "these", "reserves", "was", "$", "37", "million", "at", "December", "31", ",", "2011", "." ]
[]
[]
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922621_12_item7_p105_s1
922621_11_item7_p113_s1
The discount on these reserves was $50 million at December 31, 2010.
The discount on these reserves was $46 million at December 31, 2011.
2
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[ "The", "discount", "on", "these", "reserves", "was", "$", "50", "million", "at", "December", "31", ",", "2010", "." ]
[ "The", "discount", "on", "these", "reserves", "was", "$", "46", "million", "at", "December", "31", ",", "2011", "." ]
[]
[]
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922621_12_item7_p106_s0
922621_11_item7_p114_s0
We also perform analyses to evaluate the adequacy of past reserve levels.
We also perform analyses to evaluate the adequacy of past total reserve levels for the Property and Casualty Group.
2
[ "<tag1>", "We", "also", "perform", "analyses", "to", "evaluate", "the", "adequacy", "of", "past", "reserve", "levels", ".", "<tag2>", "We", "also", "perform", "analyses", "to", "evaluate", "the", "adequacy", "of", "past", "total", "reserve", "levels", "for", "the", "Property", "and", "Casualty", "Group", ".", "<tag3>" ]
[ "We", "also", "perform", "analyses", "to", "evaluate", "the", "adequacy", "of", "past", "reserve", "levels", "." ]
[ "We", "also", "perform", "analyses", "to", "evaluate", "the", "adequacy", "of", "past", "total", "reserve", "levels", "for", "the", "Property", "and", "Casualty", "Group", "." ]
[]
[ "total", "Property", "Casualty", "Group" ]
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922621_12_item7_p19_s1
922621_11_item7_p116_s0
Due to the sale of Indemnity s property and casualty insurance subsidiaries to the Exchange on December 31, 2010, all property and casualty loss and loss expense reserves accrue to the benefit of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after December 31, 2010.
Due to the sale of Indemnity s property and casualty insurance subsidiaries to the Exchange on December 31, 2010, all property and casualty underwriting results and all investment results for these companies accrue to the interest of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after December 31, 2010.
2
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[ "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "insurance", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "loss", "and", "loss", "expense", "reserves", "accrue", "to", "the", "benefit", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", "." ]
[ "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "insurance", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "underwriting", "results", "and", "all", "investment", "results", "for", "these", "companies", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", "." ]
[]
[ "underwriting", "results", "investment", "results", "companies" ]
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922621_12_item7_p23_s1
922621_11_item7_p116_s0
Due to the sale of Indemnity s property and casualty insurance subsidiaries to the Exchange on December 31, 2010, all property and casualty loss and loss expense reserves accrue to the benefit of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after December 31, 2010.
Due to the sale of Indemnity s property and casualty insurance subsidiaries to the Exchange on December 31, 2010, all property and casualty underwriting results and all investment results for these companies accrue to the interest of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after December 31, 2010.
2
[ "<tag1>", "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "insurance", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "loss", "and", "loss", "expense", "reserves", "accrue", "to", "the", "benefit", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", ".", "<tag2>", "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "insurance", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "underwriting", "results", "and", "all", "investment", "results", "for", "these", "companies", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", ".", "<tag3>" ]
[ "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "insurance", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "loss", "and", "loss", "expense", "reserves", "accrue", "to", "the", "benefit", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", "." ]
[ "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "insurance", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "underwriting", "results", "and", "all", "investment", "results", "for", "these", "companies", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", "." ]
[]
[ "underwriting", "results", "investment", "results", "companies" ]
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922621_12_item7_p280_s1
922621_11_item7_p116_s0
Due to the sale of Indemnity s property and casualty insurance subsidiaries to the Exchange on December 31, 2010, all property and casualty loss and loss expense reserves accrue to the benefit of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after December 31, 2010.
Due to the sale of Indemnity s property and casualty insurance subsidiaries to the Exchange on December 31, 2010, the investment results for these companies accrue to the interest of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after December 31, 2010.
2
[ "<tag1>", "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "insurance", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "loss", "and", "loss", "expense", "reserves", "accrue", "to", "the", "benefit", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", ".", "<tag2>", "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "insurance", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "the", "investment", "results", "for", "these", "companies", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", ".", "<tag3>" ]
[ "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "insurance", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "loss", "and", "loss", "expense", "reserves", "accrue", "to", "the", "benefit", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", "." ]
[ "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "insurance", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "the", "investment", "results", "for", "these", "companies", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", "." ]
[]
[ "investment", "results", "companies" ]
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922621_12_item7_p32_s1
922621_11_item7_p116_s0
Due to the sale of Indemnity s property and casualty insurance subsidiaries to the Exchange on December 31, 2010, all property and casualty loss and loss expense reserves accrue to the benefit of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after December 31, 2010.
Due to the sale of Indemnity s property and casualty insurance subsidiaries to the Exchange on December 31, 2010, all property and casualty underwriting results and all investment results for these companies accrue to the interest of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after December 31, 2010.
2
[ "<tag1>", "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "insurance", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "loss", "and", "loss", "expense", "reserves", "accrue", "to", "the", "benefit", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", ".", "<tag2>", "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "insurance", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "underwriting", "results", "and", "all", "investment", "results", "for", "these", "companies", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", ".", "<tag3>" ]
[ "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "insurance", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "loss", "and", "loss", "expense", "reserves", "accrue", "to", "the", "benefit", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", "." ]
[ "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "insurance", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "underwriting", "results", "and", "all", "investment", "results", "for", "these", "companies", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", "." ]
[]
[ "underwriting", "results", "investment", "results", "companies" ]
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922621_12_item7_p341_s1
922621_11_item7_p116_s0
Due to the sale of Indemnity s property and casualty insurance subsidiaries to the Exchange on December 31, 2010, all property and casualty loss and loss expense reserves accrue to the benefit of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after December 31, 2010.
Due to the sale of Indemnity s property and casualty insurance subsidiaries to the Exchange on December 31, 2010, all property and casualty underwriting results and all investment results for these companies accrue to the interest of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after December 31, 2010.
2
[ "<tag1>", "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "insurance", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "loss", "and", "loss", "expense", "reserves", "accrue", "to", "the", "benefit", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", ".", "<tag2>", "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "insurance", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "underwriting", "results", "and", "all", "investment", "results", "for", "these", "companies", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", ".", "<tag3>" ]
[ "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "insurance", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "loss", "and", "loss", "expense", "reserves", "accrue", "to", "the", "benefit", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", "." ]
[ "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "insurance", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "underwriting", "results", "and", "all", "investment", "results", "for", "these", "companies", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", "." ]
[]
[ "underwriting", "results", "investment", "results", "companies" ]
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922621_12_item7_p384_s3
922621_11_item7_p116_s0
Due to the sale of Indemnity s property and casualty insurance subsidiaries to the Exchange on December 31, 2010, all property and casualty loss and loss expense reserves accrue to the benefit of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after December 31, 2010.
Due to the sale of Indemnity s property and casualty insurance subsidiaries to the Exchange on December 31, 2010, all property and casualty underwriting receivables accrue to the interest of the subscribers (policyholders) of the Exchange, or noncontrolling interest, on and after December 31, 2010.
2
[ "<tag1>", "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "insurance", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "loss", "and", "loss", "expense", "reserves", "accrue", "to", "the", "benefit", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", ".", "<tag2>", "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "insurance", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "underwriting", "receivables", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "on", "and", "after", "December", "31", ",", "2010", ".", "<tag3>" ]
[ "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "insurance", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "loss", "and", "loss", "expense", "reserves", "accrue", "to", "the", "benefit", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", "." ]
[ "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "insurance", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "underwriting", "receivables", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "on", "and", "after", "December", "31", ",", "2010", "." ]
[]
[ "underwriting", "receivables" ]
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922621_12_item7_p113_s3
922621_11_item7_p121_s3
If the aggregate interest rate was reduced by 100 basis points, the present value of future expected benefits would increase by $20 million at December 31, 2010, of which Indemnity s share would equate to $4 million.
If the aggregate interest rate was reduced by 100 basis points, the present value of future expected benefits would increase by $19 million at December 31, 2011.
2
[ "<tag1>", "If", "the", "aggregate", "interest", "rate", "was", "reduced", "by", "100", "basis", "points", ",", "the", "present", "value", "of", "future", "expected", "benefits", "would", "increase", "by", "$", "20", "million", "at", "December", "31", ",", "2010", ",", "of", "which", "Indemnity", "s", "share", "would", "equate", "to", "$", "4", "million", ".", "<tag2>", "If", "the", "aggregate", "interest", "rate", "was", "reduced", "by", "100", "basis", "points", ",", "the", "present", "value", "of", "future", "expected", "benefits", "would", "increase", "by", "$", "19", "million", "at", "December", "31", ",", "2011", ".", "<tag3>" ]
[ "If", "the", "aggregate", "interest", "rate", "was", "reduced", "by", "100", "basis", "points", ",", "the", "present", "value", "of", "future", "expected", "benefits", "would", "increase", "by", "$", "20", "million", "at", "December", "31", ",", "2010", ",", "of", "which", "Indemnity", "s", "share", "would", "equate", "to", "$", "4", "million", "." ]
[ "If", "the", "aggregate", "interest", "rate", "was", "reduced", "by", "100", "basis", "points", ",", "the", "present", "value", "of", "future", "expected", "benefits", "would", "increase", "by", "$", "19", "million", "at", "December", "31", ",", "2011", "." ]
[]
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922621_12_item7_p175_s3
922621_11_item7_p141_s2
The methodologies used by the pricing service that support a Level 2 classification of a financial instrument include multiple verifiable, observable inputs including benchmark yields, reported trades, broker/dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers and reference data.
The methodologies used by the trustee and custodian that support a Level 2 classification of a financial instrument include multiple verifiable, observable inputs including benchmark yields, reported trades, broker/dealer quotes, issuers spreads, two-sided markets, benchmark securities, bids, offers and reference data.
2
[ "<tag1>", "The", "methodologies", "used", "by", "the", "pricing", "service", "that", "support", "a", "Level", "2", "classification", "of", "a", "financial", "instrument", "include", "multiple", "verifiable", ",", "observable", "inputs", "including", "benchmark", "yields", ",", "reported", "trades", ",", "broker", "/", "dealer", "quotes", ",", "issuer", "spreads", ",", "two", "-", "sided", "markets", ",", "benchmark", "securities", ",", "bids", ",", "offers", "and", "reference", "data", ".", "<tag2>", "The", "methodologies", "used", "by", "the", "trustee", "and", "custodian", "that", "support", "a", "Level", "2", "classification", "of", "a", "financial", "instrument", "include", "multiple", "verifiable", ",", "observable", "inputs", "including", "benchmark", "yields", ",", "reported", "trades", ",", "broker", "/", "dealer", "quotes", ",", "issuers", "spreads", ",", "two", "-", "sided", "markets", ",", "benchmark", "securities", ",", "bids", ",", "offers", "and", "reference", "data", ".", "<tag3>" ]
[ "The", "methodologies", "used", "by", "the", "pricing", "service", "that", "support", "a", "Level", "2", "classification", "of", "a", "financial", "instrument", "include", "multiple", "verifiable", ",", "observable", "inputs", "including", "benchmark", "yields", ",", "reported", "trades", ",", "broker", "/", "dealer", "quotes", ",", "issuer", "spreads", ",", "two", "-", "sided", "markets", ",", "benchmark", "securities", ",", "bids", ",", "offers", "and", "reference", "data", "." ]
[ "The", "methodologies", "used", "by", "the", "trustee", "and", "custodian", "that", "support", "a", "Level", "2", "classification", "of", "a", "financial", "instrument", "include", "multiple", "verifiable", ",", "observable", "inputs", "including", "benchmark", "yields", ",", "reported", "trades", ",", "broker", "/", "dealer", "quotes", ",", "issuers", "spreads", ",", "two", "-", "sided", "markets", ",", "benchmark", "securities", ",", "bids", ",", "offers", "and", "reference", "data", "." ]
[]
[ "trustee", "custodian", "issuers" ]
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922621_12_item7_p149_s0
922621_11_item7_p159_s0
As there is no ready market for these investments, they have the greatest potential for variability.
As there is a limited market for these investments, they have the greatest potential for variability.
2
[ "<tag1>", "As", "there", "is", "no", "ready", "market", "for", "these", "investments", ",", "they", "have", "the", "greatest", "potential", "for", "variability", ".", "<tag2>", "As", "there", "is", "a", "limited", "market", "for", "these", "investments", ",", "they", "have", "the", "greatest", "potential", "for", "variability", ".", "<tag3>" ]
[ "As", "there", "is", "no", "ready", "market", "for", "these", "investments", ",", "they", "have", "the", "greatest", "potential", "for", "variability", "." ]
[ "As", "there", "is", "a", "limited", "market", "for", "these", "investments", ",", "they", "have", "the", "greatest", "potential", "for", "variability", "." ]
[]
[ "limited" ]
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922621_12_item7_p280_s0
922621_11_item7_p30_s0
Prior to and through December 31, 2010, the underwriting results retained by EIC and ENY and the investment results of EIC, ENY and EPC accrued to the benefit of the Indemnity shareholder interest.
Investments Prior to and through December 31, 2010, the investment results from EIC, ENY and EPC accrued to the Indemnity shareholder interest.
2
[ "<tag1>", "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "underwriting", "results", "retained", "by", "EIC", "and", "ENY", "and", "the", "investment", "results", "of", "EIC", ",", "ENY", "and", "EPC", "accrued", "to", "the", "benefit", "of", "the", "Indemnity", "shareholder", "interest", ".", "<tag2>", "Investments", "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "investment", "results", "from", "EIC", ",", "ENY", "and", "EPC", "accrued", "to", "the", "Indemnity", "shareholder", "interest", ".", "<tag3>" ]
[ "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "underwriting", "results", "retained", "by", "EIC", "and", "ENY", "and", "the", "investment", "results", "of", "EIC", ",", "ENY", "and", "EPC", "accrued", "to", "the", "benefit", "of", "the", "Indemnity", "shareholder", "interest", "." ]
[ "Investments", "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "investment", "results", "from", "EIC", ",", "ENY", "and", "EPC", "accrued", "to", "the", "Indemnity", "shareholder", "interest", "." ]
[]
[ "Investments" ]
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922621_12_item7_p107_s0
922621_11_item7_p30_s1
Due to the sale of Indemnity s property and casualty subsidiaries to the Exchange on December 31, 2010, all property and casualty underwriting results and all investment results for these companies accrue to the benefit of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after December 31, 2010.
Due to the sale of Indemnity s property and casualty insurance subsidiaries to the Exchange on December 31, 2010, all property and casualty loss and loss expense reserves accrue to the interest of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after December 31, 2010.
2
[ "<tag1>", "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "underwriting", "results", "and", "all", "investment", "results", "for", "these", "companies", "accrue", "to", "the", "benefit", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", ".", "<tag2>", "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "insurance", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "loss", "and", "loss", "expense", "reserves", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", ".", "<tag3>" ]
[ "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "underwriting", "results", "and", "all", "investment", "results", "for", "these", "companies", "accrue", "to", "the", "benefit", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", "." ]
[ "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "insurance", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "loss", "and", "loss", "expense", "reserves", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", "." ]
[]
[ "insurance", "loss", "loss", "expense", "reserves" ]
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922621_12_item7_p20_s1
922621_11_item7_p31_s0
As a result of the pending sale of Indemnity s 21.6% ownership interest in EFL to the Exchange which is scheduled to close by March 31, 2011, all earnings of EFL will accrue to the benefit of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after March 31, 2011.
Due to the sale of Indemnity s 21.6% ownership interest in EFL to the Exchange on March 31, 2011, 100% of EFL s life insurance results accrue to the interest of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after March 31, 2011.
2
[ "<tag1>", "As", "a", "result", "of", "the", "pending", "sale", "of", "Indemnity", "s", "21.6", "%", "ownership", "interest", "in", "EFL", "to", "the", "Exchange", "which", "is", "scheduled", "to", "close", "by", "March", "31", ",", "2011", ",", "all", "earnings", "of", "EFL", "will", "accrue", "to", "the", "benefit", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "March", "31", ",", "2011", ".", "<tag2>", "Due", "to", "the", "sale", "of", "Indemnity", "s", "21.6", "%", "ownership", "interest", "in", "EFL", "to", "the", "Exchange", "on", "March", "31", ",", "2011", ",", "100", "%", "of", "EFL", "s", "life", "insurance", "results", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "March", "31", ",", "2011", ".", "<tag3>" ]
[ "As", "a", "result", "of", "the", "pending", "sale", "of", "Indemnity", "s", "21.6", "%", "ownership", "interest", "in", "EFL", "to", "the", "Exchange", "which", "is", "scheduled", "to", "close", "by", "March", "31", ",", "2011", ",", "all", "earnings", "of", "EFL", "will", "accrue", "to", "the", "benefit", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "March", "31", ",", "2011", "." ]
[ "Due", "to", "the", "sale", "of", "Indemnity", "s", "21.6", "%", "ownership", "interest", "in", "EFL", "to", "the", "Exchange", "on", "March", "31", ",", "2011", ",", "100", "%", "of", "EFL", "s", "life", "insurance", "results", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "March", "31", ",", "2011", "." ]
[]
[ "Due", "life", "insurance", "results" ]
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922621_12_item7_p24_s1
922621_11_item7_p31_s0
As a result of the pending sale of Indemnity s 21.6% ownership interest in EFL to the Exchange which is scheduled to close by March 31, 2011, all earnings of EFL will accrue to the benefit of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after March 31, 2011.
Due to the sale of Indemnity s 21.6% ownership interest in EFL to the Exchange on March 31, 2011, 100% of EFL s life insurance results accrue to the interest of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after March 31, 2011.
2
[ "<tag1>", "As", "a", "result", "of", "the", "pending", "sale", "of", "Indemnity", "s", "21.6", "%", "ownership", "interest", "in", "EFL", "to", "the", "Exchange", "which", "is", "scheduled", "to", "close", "by", "March", "31", ",", "2011", ",", "all", "earnings", "of", "EFL", "will", "accrue", "to", "the", "benefit", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "March", "31", ",", "2011", ".", "<tag2>", "Due", "to", "the", "sale", "of", "Indemnity", "s", "21.6", "%", "ownership", "interest", "in", "EFL", "to", "the", "Exchange", "on", "March", "31", ",", "2011", ",", "100", "%", "of", "EFL", "s", "life", "insurance", "results", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "March", "31", ",", "2011", ".", "<tag3>" ]
[ "As", "a", "result", "of", "the", "pending", "sale", "of", "Indemnity", "s", "21.6", "%", "ownership", "interest", "in", "EFL", "to", "the", "Exchange", "which", "is", "scheduled", "to", "close", "by", "March", "31", ",", "2011", ",", "all", "earnings", "of", "EFL", "will", "accrue", "to", "the", "benefit", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "March", "31", ",", "2011", "." ]
[ "Due", "to", "the", "sale", "of", "Indemnity", "s", "21.6", "%", "ownership", "interest", "in", "EFL", "to", "the", "Exchange", "on", "March", "31", ",", "2011", ",", "100", "%", "of", "EFL", "s", "life", "insurance", "results", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "March", "31", ",", "2011", "." ]
[]
[ "Due", "life", "insurance", "results" ]
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922621_12_item7_p251_s1
922621_11_item7_p31_s0
As a result of the pending sale of Indemnity s 21.6% ownership interest in EFL to the Exchange which is scheduled to close by March 31, 2011, all earnings of EFL will accrue to the benefit of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after March 31, 2011.
Due to the sale of Indemnity s 21.6% ownership interest in EFL to the Exchange on March 31, 2011, 100% of EFL s life insurance results accrue to the interest of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after March 31, 2011.
2
[ "<tag1>", "As", "a", "result", "of", "the", "pending", "sale", "of", "Indemnity", "s", "21.6", "%", "ownership", "interest", "in", "EFL", "to", "the", "Exchange", "which", "is", "scheduled", "to", "close", "by", "March", "31", ",", "2011", ",", "all", "earnings", "of", "EFL", "will", "accrue", "to", "the", "benefit", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "March", "31", ",", "2011", ".", "<tag2>", "Due", "to", "the", "sale", "of", "Indemnity", "s", "21.6", "%", "ownership", "interest", "in", "EFL", "to", "the", "Exchange", "on", "March", "31", ",", "2011", ",", "100", "%", "of", "EFL", "s", "life", "insurance", "results", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "March", "31", ",", "2011", ".", "<tag3>" ]
[ "As", "a", "result", "of", "the", "pending", "sale", "of", "Indemnity", "s", "21.6", "%", "ownership", "interest", "in", "EFL", "to", "the", "Exchange", "which", "is", "scheduled", "to", "close", "by", "March", "31", ",", "2011", ",", "all", "earnings", "of", "EFL", "will", "accrue", "to", "the", "benefit", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "March", "31", ",", "2011", "." ]
[ "Due", "to", "the", "sale", "of", "Indemnity", "s", "21.6", "%", "ownership", "interest", "in", "EFL", "to", "the", "Exchange", "on", "March", "31", ",", "2011", ",", "100", "%", "of", "EFL", "s", "life", "insurance", "results", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "March", "31", ",", "2011", "." ]
[]
[ "Due", "life", "insurance", "results" ]
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922621_12_item7_p31_s1
922621_11_item7_p31_s0
As a result of the pending sale of Indemnity s 21.6% ownership interest in EFL to the Exchange which is scheduled to close by March 31, 2011, all earnings of EFL will accrue to the benefit of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after March 31, 2011.
Due to the sale of Indemnity s 21.6% ownership interest in EFL to the Exchange on March 31, 2011, 100% of EFL s life insurance results accrue to the interest of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after March 31, 2011.
2
[ "<tag1>", "As", "a", "result", "of", "the", "pending", "sale", "of", "Indemnity", "s", "21.6", "%", "ownership", "interest", "in", "EFL", "to", "the", "Exchange", "which", "is", "scheduled", "to", "close", "by", "March", "31", ",", "2011", ",", "all", "earnings", "of", "EFL", "will", "accrue", "to", "the", "benefit", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "March", "31", ",", "2011", ".", "<tag2>", "Due", "to", "the", "sale", "of", "Indemnity", "s", "21.6", "%", "ownership", "interest", "in", "EFL", "to", "the", "Exchange", "on", "March", "31", ",", "2011", ",", "100", "%", "of", "EFL", "s", "life", "insurance", "results", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "March", "31", ",", "2011", ".", "<tag3>" ]
[ "As", "a", "result", "of", "the", "pending", "sale", "of", "Indemnity", "s", "21.6", "%", "ownership", "interest", "in", "EFL", "to", "the", "Exchange", "which", "is", "scheduled", "to", "close", "by", "March", "31", ",", "2011", ",", "all", "earnings", "of", "EFL", "will", "accrue", "to", "the", "benefit", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "March", "31", ",", "2011", "." ]
[ "Due", "to", "the", "sale", "of", "Indemnity", "s", "21.6", "%", "ownership", "interest", "in", "EFL", "to", "the", "Exchange", "on", "March", "31", ",", "2011", ",", "100", "%", "of", "EFL", "s", "life", "insurance", "results", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "March", "31", ",", "2011", "." ]
[]
[ "Due", "life", "insurance", "results" ]
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922621_12_item7_p48_s1
922621_11_item7_p31_s0
As a result of the pending sale of Indemnity s 21.6% ownership interest in EFL to the Exchange which is scheduled to close by March 31, 2011, all earnings of EFL will accrue to the benefit of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after March 31, 2011.
Due to the sale of Indemnity s 21.6% ownership interest in EFL to the Exchange on March 31, 2011, 100% of EFL s life insurance results accrue to the interest of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after March 31, 2011.
2
[ "<tag1>", "As", "a", "result", "of", "the", "pending", "sale", "of", "Indemnity", "s", "21.6", "%", "ownership", "interest", "in", "EFL", "to", "the", "Exchange", "which", "is", "scheduled", "to", "close", "by", "March", "31", ",", "2011", ",", "all", "earnings", "of", "EFL", "will", "accrue", "to", "the", "benefit", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "March", "31", ",", "2011", ".", "<tag2>", "Due", "to", "the", "sale", "of", "Indemnity", "s", "21.6", "%", "ownership", "interest", "in", "EFL", "to", "the", "Exchange", "on", "March", "31", ",", "2011", ",", "100", "%", "of", "EFL", "s", "life", "insurance", "results", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "March", "31", ",", "2011", ".", "<tag3>" ]
[ "As", "a", "result", "of", "the", "pending", "sale", "of", "Indemnity", "s", "21.6", "%", "ownership", "interest", "in", "EFL", "to", "the", "Exchange", "which", "is", "scheduled", "to", "close", "by", "March", "31", ",", "2011", ",", "all", "earnings", "of", "EFL", "will", "accrue", "to", "the", "benefit", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "March", "31", ",", "2011", "." ]
[ "Due", "to", "the", "sale", "of", "Indemnity", "s", "21.6", "%", "ownership", "interest", "in", "EFL", "to", "the", "Exchange", "on", "March", "31", ",", "2011", ",", "100", "%", "of", "EFL", "s", "life", "insurance", "results", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "March", "31", ",", "2011", "." ]
[]
[ "Due", "life", "insurance", "results" ]
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922621_12_item7_p21_s0
922621_11_item7_p32_s0
The following table represents a breakdown of the composition of the income attributable to Indemnity and the income attributable to the noncontrolling interest (Exchange).
Results of the Erie Insurance Group s Operations by Interest The following table represents a breakdown of the composition of the income attributable to Indemnity and the income attributable to the noncontrolling interest (Exchange).
2
[ "<tag1>", "The", "following", "table", "represents", "a", "breakdown", "of", "the", "composition", "of", "the", "income", "attributable", "to", "Indemnity", "and", "the", "income", "attributable", "to", "the", "noncontrolling", "interest", "(", "Exchange", ")", ".", "<tag2>", "Results", "of", "the", "Erie", "Insurance", "Group", "s", "Operations", "by", "Interest", "The", "following", "table", "represents", "a", "breakdown", "of", "the", "composition", "of", "the", "income", "attributable", "to", "Indemnity", "and", "the", "income", "attributable", "to", "the", "noncontrolling", "interest", "(", "Exchange", ")", ".", "<tag3>" ]
[ "The", "following", "table", "represents", "a", "breakdown", "of", "the", "composition", "of", "the", "income", "attributable", "to", "Indemnity", "and", "the", "income", "attributable", "to", "the", "noncontrolling", "interest", "(", "Exchange", ")", "." ]
[ "Results", "of", "the", "Erie", "Insurance", "Group", "s", "Operations", "by", "Interest", "The", "following", "table", "represents", "a", "breakdown", "of", "the", "composition", "of", "the", "income", "attributable", "to", "Indemnity", "and", "the", "income", "attributable", "to", "the", "noncontrolling", "interest", "(", "Exchange", ")", "." ]
[]
[ "Results", "Erie", "Insurance", "Group", "Operations", "Interest" ]
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922621_12_item7_p280_s0
922621_11_item7_p34_s0
Prior to and through December 31, 2010, the underwriting results retained by EIC and ENY and the investment results of EIC, ENY and EPC accrued to the benefit of the Indemnity shareholder interest.
Investments Prior to and through December 31, 2010, the investment results from EIC, ENY and EPC accrued to the Indemnity shareholder interest.
2
[ "<tag1>", "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "underwriting", "results", "retained", "by", "EIC", "and", "ENY", "and", "the", "investment", "results", "of", "EIC", ",", "ENY", "and", "EPC", "accrued", "to", "the", "benefit", "of", "the", "Indemnity", "shareholder", "interest", ".", "<tag2>", "Investments", "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "investment", "results", "from", "EIC", ",", "ENY", "and", "EPC", "accrued", "to", "the", "Indemnity", "shareholder", "interest", ".", "<tag3>" ]
[ "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "underwriting", "results", "retained", "by", "EIC", "and", "ENY", "and", "the", "investment", "results", "of", "EIC", ",", "ENY", "and", "EPC", "accrued", "to", "the", "benefit", "of", "the", "Indemnity", "shareholder", "interest", "." ]
[ "Investments", "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "investment", "results", "from", "EIC", ",", "ENY", "and", "EPC", "accrued", "to", "the", "Indemnity", "shareholder", "interest", "." ]
[]
[ "Investments" ]
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922621_12_item7_p107_s0
922621_11_item7_p34_s1
Due to the sale of Indemnity s property and casualty subsidiaries to the Exchange on December 31, 2010, all property and casualty underwriting results and all investment results for these companies accrue to the benefit of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after December 31, 2010.
Due to the sale of Indemnity s property and casualty insurance subsidiaries to the Exchange on December 31, 2010, all property and casualty loss and loss expense reserves accrue to the interest of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after December 31, 2010.
2
[ "<tag1>", "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "underwriting", "results", "and", "all", "investment", "results", "for", "these", "companies", "accrue", "to", "the", "benefit", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", ".", "<tag2>", "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "insurance", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "loss", "and", "loss", "expense", "reserves", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", ".", "<tag3>" ]
[ "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "underwriting", "results", "and", "all", "investment", "results", "for", "these", "companies", "accrue", "to", "the", "benefit", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", "." ]
[ "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "insurance", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "loss", "and", "loss", "expense", "reserves", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", "." ]
[]
[ "insurance", "loss", "loss", "expense", "reserves" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, 1, 0, -100, -100, -100, -100, 0, -100, 0, -100, -100, -100, 0, -100, -100, 1, 0, 1, 1, 1, 0, -100, -100, 0, -100, 0, -100, -100, 0, 0, 0, -100, -100, -100, -100, 0, 0, -100, -100, -100, 0, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_12_item7_p20_s1
922621_11_item7_p35_s0
As a result of the pending sale of Indemnity s 21.6% ownership interest in EFL to the Exchange which is scheduled to close by March 31, 2011, all earnings of EFL will accrue to the benefit of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after March 31, 2011.
Due to the sale of Indemnity s 21.6% ownership interest in EFL to the Exchange on March 31, 2011, 100% of EFL s life insurance results accrue to the interest of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after March 31, 2011.
2
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[]
[ "Due", "life", "insurance", "results" ]
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922621_12_item7_p24_s1
922621_11_item7_p35_s0
As a result of the pending sale of Indemnity s 21.6% ownership interest in EFL to the Exchange which is scheduled to close by March 31, 2011, all earnings of EFL will accrue to the benefit of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after March 31, 2011.
Due to the sale of Indemnity s 21.6% ownership interest in EFL to the Exchange on March 31, 2011, 100% of EFL s life insurance results accrue to the interest of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after March 31, 2011.
2
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[]
[ "Due", "life", "insurance", "results" ]
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922621_12_item7_p251_s1
922621_11_item7_p35_s0
As a result of the pending sale of Indemnity s 21.6% ownership interest in EFL to the Exchange which is scheduled to close by March 31, 2011, all earnings of EFL will accrue to the benefit of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after March 31, 2011.
Due to the sale of Indemnity s 21.6% ownership interest in EFL to the Exchange on March 31, 2011, 100% of EFL s life insurance results accrue to the interest of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after March 31, 2011.
2
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[]
[ "Due", "life", "insurance", "results" ]
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922621_12_item7_p31_s1
922621_11_item7_p35_s0
As a result of the pending sale of Indemnity s 21.6% ownership interest in EFL to the Exchange which is scheduled to close by March 31, 2011, all earnings of EFL will accrue to the benefit of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after March 31, 2011.
Due to the sale of Indemnity s 21.6% ownership interest in EFL to the Exchange on March 31, 2011, 100% of EFL s life insurance results accrue to the interest of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after March 31, 2011.
2
[ "<tag1>", "As", "a", "result", "of", "the", "pending", "sale", "of", "Indemnity", "s", "21.6", "%", "ownership", "interest", "in", "EFL", "to", "the", "Exchange", "which", "is", "scheduled", "to", "close", "by", "March", "31", ",", "2011", ",", "all", "earnings", "of", "EFL", "will", "accrue", "to", "the", "benefit", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "March", "31", ",", "2011", ".", "<tag2>", "Due", "to", "the", "sale", "of", "Indemnity", "s", "21.6", "%", "ownership", "interest", "in", "EFL", "to", "the", "Exchange", "on", "March", "31", ",", "2011", ",", "100", "%", "of", "EFL", "s", "life", "insurance", "results", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "March", "31", ",", "2011", ".", "<tag3>" ]
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[]
[ "Due", "life", "insurance", "results" ]
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922621_12_item7_p48_s1
922621_11_item7_p35_s0
As a result of the pending sale of Indemnity s 21.6% ownership interest in EFL to the Exchange which is scheduled to close by March 31, 2011, all earnings of EFL will accrue to the benefit of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after March 31, 2011.
Due to the sale of Indemnity s 21.6% ownership interest in EFL to the Exchange on March 31, 2011, 100% of EFL s life insurance results accrue to the interest of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after March 31, 2011.
2
[ "<tag1>", "As", "a", "result", "of", "the", "pending", "sale", "of", "Indemnity", "s", "21.6", "%", "ownership", "interest", "in", "EFL", "to", "the", "Exchange", "which", "is", "scheduled", "to", "close", "by", "March", "31", ",", "2011", ",", "all", "earnings", "of", "EFL", "will", "accrue", "to", "the", "benefit", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "March", "31", ",", "2011", ".", "<tag2>", "Due", "to", "the", "sale", "of", "Indemnity", "s", "21.6", "%", "ownership", "interest", "in", "EFL", "to", "the", "Exchange", "on", "March", "31", ",", "2011", ",", "100", "%", "of", "EFL", "s", "life", "insurance", "results", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "March", "31", ",", "2011", ".", "<tag3>" ]
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[]
[ "Due", "life", "insurance", "results" ]
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922621_12_item7_p27_s1
922621_11_item7_p39_s0
Operating income is net income excluding realized capital gains and losses, impairment losses and related federal income taxes.
It does not include realized capital gains and losses, impairment losses and related federal income taxes.
2
[ "<tag1>", "Operating", "income", "is", "net", "income", "excluding", "realized", "capital", "gains", "and", "losses", ",", "impairment", "losses", "and", "related", "federal", "income", "taxes", ".", "<tag2>", "It", "does", "not", "include", "realized", "capital", "gains", "and", "losses", ",", "impairment", "losses", "and", "related", "federal", "income", "taxes", ".", "<tag3>" ]
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[]
[ "include" ]
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922621_12_item7_p28_s0
922621_11_item7_p41_s0
We use operating income to evaluate the results of our operations.
Indemnity uses operating income to evaluate the results of its operations.
2
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922621_12_item7_p28_s1
922621_11_item7_p41_s1
It reveals trends in our management services, property and casualty insurance underwriting (1) and investment operations that may be obscured by the net effects of realized capital gains and losses including impairment losses.
It reveals trends that may be obscured by the net effects of realized capital gains and losses including impairment losses.
2
[ "<tag1>", "It", "reveals", "trends", "in", "our", "management", "services", ",", "property", "and", "casualty", "insurance", "underwriting", "(", "1", ")", "and", "investment", "operations", "that", "may", "be", "obscured", "by", "the", "net", "effects", "of", "realized", "capital", "gains", "and", "losses", "including", "impairment", "losses", ".", "<tag2>", "It", "reveals", "trends", "that", "may", "be", "obscured", "by", "the", "net", "effects", "of", "realized", "capital", "gains", "and", "losses", "including", "impairment", "losses", ".", "<tag3>" ]
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[ "It", "reveals", "trends", "that", "may", "be", "obscured", "by", "the", "net", "effects", "of", "realized", "capital", "gains", "and", "losses", "including", "impairment", "losses", "." ]
[]
[]
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922621_12_item7_p280_s0
922621_11_item7_p44_s0
Prior to and through December 31, 2010, the underwriting results retained by EIC and ENY and the investment results of EIC, ENY and EPC accrued to the benefit of the Indemnity shareholder interest.
Investments Prior to and through December 31, 2010, the investment results from EIC, ENY and EPC accrued to the Indemnity shareholder interest.
2
[ "<tag1>", "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "underwriting", "results", "retained", "by", "EIC", "and", "ENY", "and", "the", "investment", "results", "of", "EIC", ",", "ENY", "and", "EPC", "accrued", "to", "the", "benefit", "of", "the", "Indemnity", "shareholder", "interest", ".", "<tag2>", "Investments", "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "investment", "results", "from", "EIC", ",", "ENY", "and", "EPC", "accrued", "to", "the", "Indemnity", "shareholder", "interest", ".", "<tag3>" ]
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[ "Investments", "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "investment", "results", "from", "EIC", ",", "ENY", "and", "EPC", "accrued", "to", "the", "Indemnity", "shareholder", "interest", "." ]
[]
[ "Investments" ]
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922621_12_item7_p107_s0
922621_11_item7_p44_s1
Due to the sale of Indemnity s property and casualty subsidiaries to the Exchange on December 31, 2010, all property and casualty underwriting results and all investment results for these companies accrue to the benefit of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after December 31, 2010.
Due to the sale of Indemnity s property and casualty insurance subsidiaries to the Exchange on December 31, 2010, all property and casualty loss and loss expense reserves accrue to the interest of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after December 31, 2010.
2
[ "<tag1>", "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "underwriting", "results", "and", "all", "investment", "results", "for", "these", "companies", "accrue", "to", "the", "benefit", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", ".", "<tag2>", "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "insurance", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "loss", "and", "loss", "expense", "reserves", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", ".", "<tag3>" ]
[ "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "underwriting", "results", "and", "all", "investment", "results", "for", "these", "companies", "accrue", "to", "the", "benefit", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", "." ]
[ "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "insurance", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "loss", "and", "loss", "expense", "reserves", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", "." ]
[]
[ "insurance", "loss", "loss", "expense", "reserves" ]
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922621_12_item7_p180_s0
922621_11_item7_p46_s1
Management fee revenue is based upon all premiums written or assumed by the Exchange and the management fee rate, which is not to exceed 25%.
Management fee revenue Management fee revenue is based upon all premiums written or assumed by the Exchange and the management fee rate, which is determined by our Board of Directors at least annually.
2
[ "<tag1>", "Management", "fee", "revenue", "is", "based", "upon", "all", "premiums", "written", "or", "assumed", "by", "the", "Exchange", "and", "the", "management", "fee", "rate", ",", "which", "is", "not", "to", "exceed", "25", "%", ".", "<tag2>", "Management", "fee", "revenue", "Management", "fee", "revenue", "is", "based", "upon", "all", "premiums", "written", "or", "assumed", "by", "the", "Exchange", "and", "the", "management", "fee", "rate", ",", "which", "is", "determined", "by", "our", "Board", "of", "Directors", "at", "least", "annually", ".", "<tag3>" ]
[ "Management", "fee", "revenue", "is", "based", "upon", "all", "premiums", "written", "or", "assumed", "by", "the", "Exchange", "and", "the", "management", "fee", "rate", ",", "which", "is", "not", "to", "exceed", "25", "%", "." ]
[ "Management", "fee", "revenue", "Management", "fee", "revenue", "is", "based", "upon", "all", "premiums", "written", "or", "assumed", "by", "the", "Exchange", "and", "the", "management", "fee", "rate", ",", "which", "is", "determined", "by", "our", "Board", "of", "Directors", "at", "least", "annually", "." ]
[]
[ "determined", "Board", "Directors", "least", "annually" ]
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922621_12_item7_p36_s4
922621_11_item7_p46_s4
Our Board of Directors set the 2011 rate again at 25%, its maximum level.
Our Board of Directors set the 2012 management fee rate again at 25%, its maximum level.
2
[ "<tag1>", "Our", "Board", "of", "Directors", "set", "the", "2011", "rate", "again", "at", "25", "%", ",", "its", "maximum", "level", ".", "<tag2>", "Our", "Board", "of", "Directors", "set", "the", "2012", "management", "fee", "rate", "again", "at", "25", "%", ",", "its", "maximum", "level", ".", "<tag3>" ]
[ "Our", "Board", "of", "Directors", "set", "the", "2011", "rate", "again", "at", "25", "%", ",", "its", "maximum", "level", "." ]
[ "Our", "Board", "of", "Directors", "set", "the", "2012", "management", "fee", "rate", "again", "at", "25", "%", ",", "its", "maximum", "level", "." ]
[]
[ "2012", "management", "fee" ]
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922621_12_item7_p4_s0
922621_11_item7_p4_s0
Risk factors related to the non-controlling interest owned by the Exchange, which includes the Property and Casualty Group and EFL:
Risk factors related to the non-controlling interest owned by the Erie Insurance Exchange ( Exchange ), which includes the Property and Casualty Group and EFL:
2
[ "<tag1>", "Risk", "factors", "related", "to", "the", "non", "-", "controlling", "interest", "owned", "by", "the", "Exchange", ",", "which", "includes", "the", "Property", "and", "Casualty", "Group", "and", "EFL", ":", "<tag2>", "Risk", "factors", "related", "to", "the", "non", "-", "controlling", "interest", "owned", "by", "the", "Erie", "Insurance", "Exchange", "(", "Exchange", ")", ",", "which", "includes", "the", "Property", "and", "Casualty", "Group", "and", "EFL", ":", "<tag3>" ]
[ "Risk", "factors", "related", "to", "the", "non", "-", "controlling", "interest", "owned", "by", "the", "Exchange", ",", "which", "includes", "the", "Property", "and", "Casualty", "Group", "and", "EFL", ":" ]
[ "Risk", "factors", "related", "to", "the", "non", "-", "controlling", "interest", "owned", "by", "the", "Erie", "Insurance", "Exchange", "(", "Exchange", ")", ",", "which", "includes", "the", "Property", "and", "Casualty", "Group", "and", "EFL", ":" ]
[]
[ "Erie", "Insurance" ]
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922621_12_item7_p379_s0
922621_11_item7_p50_s2
Prior to and through December 31, 2010, the underwriting results retained by EIC and ENY accrued to the benefit of the Indemnity shareholder interest.
Prior to and through December 31, 2010, the underwriting results retained by Erie Insurance Company and Erie Insurance Company of New York accrued to the Indemnity shareholder interest.
2
[ "<tag1>", "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "underwriting", "results", "retained", "by", "EIC", "and", "ENY", "accrued", "to", "the", "benefit", "of", "the", "Indemnity", "shareholder", "interest", ".", "<tag2>", "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "underwriting", "results", "retained", "by", "Erie", "Insurance", "Company", "and", "Erie", "Insurance", "Company", "of", "New", "York", "accrued", "to", "the", "Indemnity", "shareholder", "interest", ".", "<tag3>" ]
[ "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "underwriting", "results", "retained", "by", "EIC", "and", "ENY", "accrued", "to", "the", "benefit", "of", "the", "Indemnity", "shareholder", "interest", "." ]
[ "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "underwriting", "results", "retained", "by", "Erie", "Insurance", "Company", "and", "Erie", "Insurance", "Company", "of", "New", "York", "accrued", "to", "the", "Indemnity", "shareholder", "interest", "." ]
[]
[ "Erie", "Insurance", "Company", "Erie", "Insurance", "Company", "New", "York" ]
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922621_12_item7_p107_s0
922621_11_item7_p50_s3
Due to the sale of Indemnity s property and casualty subsidiaries to the Exchange on December 31, 2010, all property and casualty underwriting results accrue to the benefit of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after December 31, 2010.
Due to the sale of Indemnity s property and casualty insurance subsidiaries to the Exchange on December 31, 2010, all property and casualty loss and loss expense reserves accrue to the interest of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after December 31, 2010.
2
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[ "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "insurance", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "loss", "and", "loss", "expense", "reserves", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", "." ]
[]
[ "insurance", "loss", "loss", "expense", "reserves" ]
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922621_12_item7_p280_s1
922621_11_item7_p50_s3
Due to the sale of Indemnity s property and casualty subsidiaries to the Exchange on December 31, 2010, all property and casualty underwriting results accrue to the benefit of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after December 31, 2010.
Due to the sale of Indemnity s property and casualty insurance subsidiaries to the Exchange on December 31, 2010, the investment results for these companies accrue to the interest of the subscribers (policyholders) of the Exchange, or noncontrolling interest, after December 31, 2010.
2
[ "<tag1>", "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "underwriting", "results", "accrue", "to", "the", "benefit", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", ".", "<tag2>", "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "insurance", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "the", "investment", "results", "for", "these", "companies", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", ".", "<tag3>" ]
[ "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "all", "property", "and", "casualty", "underwriting", "results", "accrue", "to", "the", "benefit", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", "." ]
[ "Due", "to", "the", "sale", "of", "Indemnity", "s", "property", "and", "casualty", "insurance", "subsidiaries", "to", "the", "Exchange", "on", "December", "31", ",", "2010", ",", "the", "investment", "results", "for", "these", "companies", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "after", "December", "31", ",", "2010", "." ]
[]
[ "insurance", "investment", "companies" ]
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922621_12_item7_p46_s0
922621_11_item7_p55_s1
Other drivers include mortality and morbidity experience, persistency experience to enable the recovery of acquisition costs, maintaining interest spreads over the amounts credited to deposit funds and the maintenance of strong ratings from rating agencies.
and morbidity experience, persistency experience to enable the recovery of acquisition costs, maintenance of interest spreads over the amounts credited to deposit funds and the maintenance of strong ratings from rating agencies.
2
[ "<tag1>", "Other", "drivers", "include", "mortality", "and", "morbidity", "experience", ",", "persistency", "experience", "to", "enable", "the", "recovery", "of", "acquisition", "costs", ",", "maintaining", "interest", "spreads", "over", "the", "amounts", "credited", "to", "deposit", "funds", "and", "the", "maintenance", "of", "strong", "ratings", "from", "rating", "agencies", ".", "<tag2>", "and", "morbidity", "experience", ",", "persistency", "experience", "to", "enable", "the", "recovery", "of", "acquisition", "costs", ",", "maintenance", "of", "interest", "spreads", "over", "the", "amounts", "credited", "to", "deposit", "funds", "and", "the", "maintenance", "of", "strong", "ratings", "from", "rating", "agencies", ".", "<tag3>" ]
[ "Other", "drivers", "include", "mortality", "and", "morbidity", "experience", ",", "persistency", "experience", "to", "enable", "the", "recovery", "of", "acquisition", "costs", ",", "maintaining", "interest", "spreads", "over", "the", "amounts", "credited", "to", "deposit", "funds", "and", "the", "maintenance", "of", "strong", "ratings", "from", "rating", "agencies", "." ]
[ "and", "morbidity", "experience", ",", "persistency", "experience", "to", "enable", "the", "recovery", "of", "acquisition", "costs", ",", "maintenance", "of", "interest", "spreads", "over", "the", "amounts", "credited", "to", "deposit", "funds", "and", "the", "maintenance", "of", "strong", "ratings", "from", "rating", "agencies", "." ]
[]
[]
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922621_12_item7_p22_s1
922621_11_item7_p56_s1
On that basis, for presentation purposes in the Management s Discussion and Analysis, the life insurance operations include life insurance related investment results.
On that basis, for presentation purposes, the life insurance operations in the table above include life insurance related investment results.
2
[ "<tag1>", "On", "that", "basis", ",", "for", "presentation", "purposes", "in", "the", "Management", "s", "Discussion", "and", "Analysis", ",", "the", "life", "insurance", "operations", "include", "life", "insurance", "related", "investment", "results", ".", "<tag2>", "On", "that", "basis", ",", "for", "presentation", "purposes", ",", "the", "life", "insurance", "operations", "in", "the", "table", "above", "include", "life", "insurance", "related", "investment", "results", ".", "<tag3>" ]
[ "On", "that", "basis", ",", "for", "presentation", "purposes", "in", "the", "Management", "s", "Discussion", "and", "Analysis", ",", "the", "life", "insurance", "operations", "include", "life", "insurance", "related", "investment", "results", "." ]
[ "On", "that", "basis", ",", "for", "presentation", "purposes", ",", "the", "life", "insurance", "operations", "in", "the", "table", "above", "include", "life", "insurance", "related", "investment", "results", "." ]
[]
[ "table" ]
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922621_12_item7_p51_s0
922621_11_item7_p59_s0
The valuation adjustments in the limited partnerships are based on financial statements received from our general partners, which are generally received on a quarter lag.
The results from our limited partnerships are based upon financial statements received from our general partners, which are generally received on a quarter lag.
2
[ "<tag1>", "The", "valuation", "adjustments", "in", "the", "limited", "partnerships", "are", "based", "on", "financial", "statements", "received", "from", "our", "general", "partners", ",", "which", "are", "generally", "received", "on", "a", "quarter", "lag", ".", "<tag2>", "The", "results", "from", "our", "limited", "partnerships", "are", "based", "upon", "financial", "statements", "received", "from", "our", "general", "partners", ",", "which", "are", "generally", "received", "on", "a", "quarter", "lag", ".", "<tag3>" ]
[ "The", "valuation", "adjustments", "in", "the", "limited", "partnerships", "are", "based", "on", "financial", "statements", "received", "from", "our", "general", "partners", ",", "which", "are", "generally", "received", "on", "a", "quarter", "lag", "." ]
[ "The", "results", "from", "our", "limited", "partnerships", "are", "based", "upon", "financial", "statements", "received", "from", "our", "general", "partners", ",", "which", "are", "generally", "received", "on", "a", "quarter", "lag", "." ]
[]
[ "results", "upon" ]
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922621_12_item7_p88_s0
922621_11_item7_p95_s0
The accuracy of the various methods used to estimate reserves is a function of the degree to which underlying assumptions are satisfied.
Key assumptions for loss reserving The accuracy of the various methods used to estimate reserves is a function of the degree to which underlying assumptions are satisfied.
2
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[ "The", "accuracy", "of", "the", "various", "methods", "used", "to", "estimate", "reserves", "is", "a", "function", "of", "the", "degree", "to", "which", "underlying", "assumptions", "are", "satisfied", "." ]
[ "Key", "assumptions", "for", "loss", "reserving", "The", "accuracy", "of", "the", "various", "methods", "used", "to", "estimate", "reserves", "is", "a", "function", "of", "the", "degree", "to", "which", "underlying", "assumptions", "are", "satisfied", "." ]
[]
[ "Key", "loss", "reserving" ]
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922621_12_item7_p89_s1
922621_11_item7_p96_s1
Unless reasons or factors are identified that invalidate the extension of historical patterns into the future, these patterns can be used to make projections necessary for estimating IBNR reserves.
Unless reasons or factors are identified that invalidate the extension of historical patterns into the future, these patterns can be used to make projections necessary for estimating loss and loss adjustment expense reserves.
2
[ "<tag1>", "Unless", "reasons", "or", "factors", "are", "identified", "that", "invalidate", "the", "extension", "of", "historical", "patterns", "into", "the", "future", ",", "these", "patterns", "can", "be", "used", "to", "make", "projections", "necessary", "for", "estimating", "IBNR", "reserves", ".", "<tag2>", "Unless", "reasons", "or", "factors", "are", "identified", "that", "invalidate", "the", "extension", "of", "historical", "patterns", "into", "the", "future", ",", "these", "patterns", "can", "be", "used", "to", "make", "projections", "necessary", "for", "estimating", "loss", "and", "loss", "adjustment", "expense", "reserves", ".", "<tag3>" ]
[ "Unless", "reasons", "or", "factors", "are", "identified", "that", "invalidate", "the", "extension", "of", "historical", "patterns", "into", "the", "future", ",", "these", "patterns", "can", "be", "used", "to", "make", "projections", "necessary", "for", "estimating", "IBNR", "reserves", "." ]
[ "Unless", "reasons", "or", "factors", "are", "identified", "that", "invalidate", "the", "extension", "of", "historical", "patterns", "into", "the", "future", ",", "these", "patterns", "can", "be", "used", "to", "make", "projections", "necessary", "for", "estimating", "loss", "and", "loss", "adjustment", "expense", "reserves", "." ]
[]
[ "loss", "loss", "adjustment", "expense" ]
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922621_12_item7_p312_s1
922621_11_item7_p97_s1
Consequently, in establishing reserves, we attempt to anticipate the potential impact of inflation, including medical cost inflation, construction and auto repair cost inflation and tort issues.
Consequently, in establishing premium rates, we attempt to anticipate the potential impact of inflation, including medical cost inflation, construction and auto repair cost inflation and tort issues.
2
[ "<tag1>", "Consequently", ",", "in", "establishing", "reserves", ",", "we", "attempt", "to", "anticipate", "the", "potential", "impact", "of", "inflation", ",", "including", "medical", "cost", "inflation", ",", "construction", "and", "auto", "repair", "cost", "inflation", "and", "tort", "issues", ".", "<tag2>", "Consequently", ",", "in", "establishing", "premium", "rates", ",", "we", "attempt", "to", "anticipate", "the", "potential", "impact", "of", "inflation", ",", "including", "medical", "cost", "inflation", ",", "construction", "and", "auto", "repair", "cost", "inflation", "and", "tort", "issues", ".", "<tag3>" ]
[ "Consequently", ",", "in", "establishing", "reserves", ",", "we", "attempt", "to", "anticipate", "the", "potential", "impact", "of", "inflation", ",", "including", "medical", "cost", "inflation", ",", "construction", "and", "auto", "repair", "cost", "inflation", "and", "tort", "issues", "." ]
[ "Consequently", ",", "in", "establishing", "premium", "rates", ",", "we", "attempt", "to", "anticipate", "the", "potential", "impact", "of", "inflation", ",", "including", "medical", "cost", "inflation", ",", "construction", "and", "auto", "repair", "cost", "inflation", "and", "tort", "issues", "." ]
[]
[ "premium", "rates" ]
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922621_13_item7_p99_s1
922621_12_item7_p101_s1
Actual experience, however, may emerge in a manner that is different relative to the original assumptions, which could have a significant impact on our reserve estimates.
Actual experie nce, however, may emerge in a manner that is different relative to the original assumptions, which could have a significant impact on our reserve estimates.
2
[ "<tag1>", "Actual", "experience", ",", "however", ",", "may", "emerge", "in", "a", "manner", "that", "is", "different", "relative", "to", "the", "original", "assumptions", ",", "which", "could", "have", "a", "significant", "impact", "on", "our", "reserve", "estimates", ".", "<tag2>", "Actual", "experie", "nce", ",", "however", ",", "may", "emerge", "in", "a", "manner", "that", "is", "different", "relative", "to", "the", "original", "assumptions", ",", "which", "could", "have", "a", "significant", "impact", "on", "our", "reserve", "estimates", ".", "<tag3>" ]
[ "Actual", "experience", ",", "however", ",", "may", "emerge", "in", "a", "manner", "that", "is", "different", "relative", "to", "the", "original", "assumptions", ",", "which", "could", "have", "a", "significant", "impact", "on", "our", "reserve", "estimates", "." ]
[ "Actual", "experie", "nce", ",", "however", ",", "may", "emerge", "in", "a", "manner", "that", "is", "different", "relative", "to", "the", "original", "assumptions", ",", "which", "could", "have", "a", "significant", "impact", "on", "our", "reserve", "estimates", "." ]
[]
[ "experie", "nce" ]
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922621_13_item7_p108_s0
922621_12_item7_p110_s3
A premium deficiency exists if, based upon revised assumptions, the existing contract liabilities together with the present value of future gross premiums are not sufficient to cover the present value of future expected benefits and maintenance costs and to recover unamortized acquisition costs.
revised assumptions, the existing contract liabilities together with the present value of future gross premiums are not sufficient to cover the present value of future expected benefits and maintenance costs and to recover unamortized acquisition costs.
2
[ "<tag1>", "A", "premium", "deficiency", "exists", "if", ",", "based", "upon", "revised", "assumptions", ",", "the", "existing", "contract", "liabilities", "together", "with", "the", "present", "value", "of", "future", "gross", "premiums", "are", "not", "sufficient", "to", "cover", "the", "present", "value", "of", "future", "expected", "benefits", "and", "maintenance", "costs", "and", "to", "recover", "unamortized", "acquisition", "costs", ".", "<tag2>", "revised", "assumptions", ",", "the", "existing", "contract", "liabilities", "together", "with", "the", "present", "value", "of", "future", "gross", "premiums", "are", "not", "sufficient", "to", "cover", "the", "present", "value", "of", "future", "expected", "benefits", "and", "maintenance", "costs", "and", "to", "recover", "unamortized", "acquisition", "costs", ".", "<tag3>" ]
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[]
[]
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922621_13_item7_p113_s0
922621_12_item7_p115_s0
Investment Valuation We make estimates concerning the valuation of all investments.
Investment Valuation Available-for-sale and trading securities We make estimates concerning the valuation of all investments.
2
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[ "Investment", "Valuation", "We", "make", "estimates", "concerning", "the", "valuation", "of", "all", "investments", "." ]
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[]
[ "Available", "sale", "trading", "securities" ]
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922621_13_item7_p127_s0
922621_12_item7_p128_s1
Securities are assigned to Level 3 in cases where non-binding broker quotes are significant to the valuation and there is a lack of transparency as to whether these quotes are based upon information that is observable in the marketplace.
valuation and there is a lack of transparency as to whether these quotes are based upon information that is observable in the marketplace.
2
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[ "Securities", "are", "assigned", "to", "Level", "3", "in", "cases", "where", "non", "-", "binding", "broker", "quotes", "are", "significant", "to", "the", "valuation", "and", "there", "is", "a", "lack", "of", "transparency", "as", "to", "whether", "these", "quotes", "are", "based", "upon", "information", "that", "is", "observable", "in", "the", "marketplace", "." ]
[ "valuation", "and", "there", "is", "a", "lack", "of", "transparency", "as", "to", "whether", "these", "quotes", "are", "based", "upon", "information", "that", "is", "observable", "in", "the", "marketplace", "." ]
[]
[]
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922621_13_item7_p176_s3
922621_12_item7_p132_s2
The methodologies used by the pricing service that support a Level 2 classification of a financial instrument include multiple verifiable, observable inputs including benchmark yields, reported trades, broker/dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers and reference data.
The methodologies used by the trustee and custodian that support a financial instrument Level 2 classification include multiple verifiable, observable inputs including benchmark yields, reported trades, broker/dealer quotes, issuers spreads, two-sided markets, benchmark securities, bids, offers and reference data.
2
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[]
[ "trustee", "custodian", "issuers" ]
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922621_13_item7_p153_s0
922621_12_item7_p151_s0
Deferred Acquisition Costs Related to Life Insurance and Investment-Type Contracts Deferred acquisition costs (DAC) on life insurance and investment-type contracts are amortized in proportion to gross premiums, gross margins or gross profits, depending on the type of contract.
DAC on life insurance and investment-type contracts are amortized in proportion to gross premiums, gross margins or gross profits, depending on the type of contract.
2
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[ "DAC", "on", "life", "insurance", "and", "investment", "-", "type", "contracts", "are", "amortized", "in", "proportion", "to", "gross", "premiums", ",", "gross", "margins", "or", "gross", "profits", ",", "depending", "on", "the", "type", "of", "contract", "." ]
[]
[]
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922621_13_item7_p168_s0
922621_12_item7_p167_s0
assumption used to determine the benefit obligation for 2011 was determined based upon a yield curve developed from corporate bond yield information.
The discount rate assumption used to determine the benefit obligation for 2012 was determined based upon a yield curve developed from corporate bond yield information.
2
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[]
[ "discount", "rate" ]
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922621_13_item7_p169_s0
922621_12_item7_p167_s4
The present value of plan benefits is calculated by applying the spot/discount rates to projected benefit cash flows.
benefits is calculated by applying the spot/discount rates to projected benefit cash flows.
2
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[]
[]
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922621_13_item7_p174_s3
922621_12_item7_p173_s3
Recognition of this loss will be deferred over a four year period, consistent with the market-related asset value methodology.
Recognition of this gain will be deferred and recognized over a four year period, consistent with the market-related asset value methodology.
2
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[]
[ "gain", "recognized" ]
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922621_13_item7_p132_s2
922621_12_item7_p175_s3
The methodologies used by the trustee and custodian that support a Level 2 classification of a financial instrument include multiple verifiable, observable inputs including benchmark yields, reported trades, broker/dealer quotes, issuers spreads, two-sided markets, benchmark securities, bids, offers and reference data.
The methodologies used by the pricing service that support a Level 2 classification of a financial instrument include multiple verifiable, observable inputs including benchmark yields, reported trades, broker/dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers and reference data.
2
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[]
[ "pricing", "service", "issuer" ]
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922621_13_item7_p190_s1
922621_12_item7_p178_s1
A summary of the results of our management operations is as follows:
A summary of the results of our property and casualty insurance operations is as follows:
2
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[ "A", "summary", "of", "the", "results", "of", "our", "management", "operations", "is", "as", "follows", ":" ]
[ "A", "summary", "of", "the", "results", "of", "our", "property", "and", "casualty", "insurance", "operations", "is", "as", "follows", ":" ]
[]
[ "property", "casualty", "insurance" ]
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922621_13_item7_p241_s1
922621_12_item7_p178_s1
A summary of the results of our management operations is as follows:
A summary of the results of our life insurance operations is as follows:
2
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[ "A", "summary", "of", "the", "results", "of", "our", "management", "operations", "is", "as", "follows", ":" ]
[ "A", "summary", "of", "the", "results", "of", "our", "life", "insurance", "operations", "is", "as", "follows", ":" ]
[]
[ "life", "insurance" ]
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922621_13_item7_p248_s1
922621_12_item7_p178_s1
A summary of the results of our management operations is as follows:
A summary of the results of our investment operations is as follows:
2
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[]
[ "investment" ]
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922621_13_item7_p180_s0
922621_12_item7_p179_s0
(1) Indemnity retains 100% of the income from management operations.
(1) The Indemnity shareholder interest retains 100% of the income from management operations.
2
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[]
[ "shareholder", "interest" ]
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