"ProAssurance Insurance Company of America","PNC AS","2024 03 31" Annual Statutory Statement

STATEMENT AS OF MARCH 31, 2024 OF THE ProAssurance Insurance Company of America

ASSETS

		Current Statement Date		4
	1	2	3	December 31

			Net Admitted Assets	Prior Year Net
	Assets	Nonadmitted Assets	(Cols. 1 - 2)	Admitted Assets
1. Bonds	223,752,768		223,752,768	228,986,270

2. Stocks:

2.1 Preferred stocks

2.2 Common stocks

1,809,351

1,919,336

Mortgage loans on real estate:
1. First liens
2. Other than first liens
Real estate:
1. Properties occupied by the company (less

	$	encumbrances)	19,697,279	19,697,279	19,862,853
	4.2 Properties held for the production of income
	(less $		encumbrances)
	4.3 Properties held for sale (less
	$	encumbrances)
5.	Cash ($	6,118,584	),
	cash equivalents ($		1,664,321 )
	and short-term investments ($	)	7,782,905	7,782,905	6,745,418
6.	Contract loans (including $	premium notes)
7.	Derivatives
8.	Other invested assets		46,521,638	46,521,638	46,658,526
9.	Receivables for securities		281,046	281,046	281,046

Securities lending reinvested collateral assets
Aggregate write-ins for invested assets

12.	Subtotals, cash and invested assets (Lines 1 to 11)	299,844,987		299,844,987	304,453,449
13.	Title plants less $	charged off (for Title insurers
	only)
14.	Investment income due and accrued		1,665,424		1,665,424	1,732,475
15.	Premiums and considerations:
	15.1 Uncollected premiums and agents' balances in the course of
	collection		1,530,451	406,683	1,123,768	1,643,432
	15.2 Deferred premiums, agents' balances and installments booked but
	deferred and not yet due (including $		earned
	but unbilled premiums)		3,766,697		3,766,697	4,469,015
	15.3 Accrued retrospective premiums	($	) and
	contracts subject to redetermination ($	)

Reinsurance:
1. Amounts recoverable from reinsurers
2. Funds held by or deposited with reinsured companies
3. Other amounts receivable under reinsurance contracts
Amounts receivable relating to uninsured plans

18.1 Current federal and foreign income tax recoverable and interest thereon
18.2 Net deferred tax asset		1,096,298		1,096,298	1,569,520
19.	Guaranty funds receivable or on deposit	4,038		4,038	6,209
20.	Electronic data processing equipment and software	2,049,290	1,992,432	56,858	61,351
21.	Furniture and equipment, including health care delivery assets
	($	)	275,619	275,619
22.	Net adjustment in assets and liabilities due to foreign exchange rates
23.	Receivables from parent, subsidiaries and affiliates	26,780		26,780	271,880
24.	Health care ($	) and other amounts receivable
25.	Aggregate write-ins for other-than-invested assets	6,050,160	899,694	5,150,466	4,963,741
26.	Total assets excluding Separate Accounts, Segregated Accounts and
	Protected Cell Accounts (Lines 12 to 25)	316,309,744	3,574,428	312,735,316	319,171,072
27.	From Separate Accounts, Segregated Accounts and Protected
	Cell Accounts
28.	Total (Lines 26 and 27)		316,309,744	3,574,428	312,735,316	319,171,072
	DETAILS OF WRITE-INS
1101.
1102.
1103.
1198.	Summary of remaining write-ins for Line 11 from overflow page
1199.	Totals (Lines 1101 through 1103 plus 1198) (Line 11 above)
2501.	Receivable of Medical Malpractice Pool of NY	4,575,089		4,575,089	4,572,655
2502.	Other Receivable		998,654	472,830	525,824	147,792
2503.	Prepaid Expenses		426,864	426,864
2598.	Summary of remaining write-ins for Line 25 from overflow page	49,553		49,553	243,294
2599.	Totals (Lines 2501 through 2503 plus 2598) (Line 25 above)	6,050,160	899,694	5,150,466	4,963,741

STATEMENT AS OF MARCH 31, 2024 OF THE ProAssurance Insurance Company of America

LIABILITIES, SURPLUS AND OTHER FUNDS

				1	2
				Current	December 31,
				Statement Date	Prior Year
1.	Losses (current accident year $	7,635,409 )		125,567,329	129,553,180
2.	Reinsurance payable on paid losses and loss adjustment expenses
3.	Loss adjustment expenses			53,800,684	52,213,290
4.	Commissions payable, contingent commissions and other similar charges
5.	Other expenses (excluding taxes, licenses and fees)		3,469,709	2,803,126
6.	Taxes, licenses and fees (excluding federal and foreign income taxes)		355,396	287,214
7.1Current federal and foreign income taxes (including $	on realized capital gains (losses))	563,411	649,720
7.2 Net deferred tax liability
8.	Borrowed money $	and interest thereon $
9.	Unearned premiums (after deducting unearned premiums for ceded reinsurance of $	231,310 and
	including warranty reserves of $	and accrued accident and health experience rating refunds
	including $	for medical loss ratio rebate per the Public Health Service Act)	42,728,072	48,053,492
10.	Advance premium			1,553,052	2,014,729

11. Dividends declared and unpaid:

Stockholders
Policyholders

12.	Ceded reinsurance premiums payable (net of ceding commissions)	89,899	74,930
13.	Funds held by company under reinsurance treaties
14.	Amounts withheld or retained by company for account of others		126,986	127,439
15.	Remittances and items not allocated
16.	Provision for reinsurance (including $	certified)

Net adjustments in assets and liabilities due to foreign exchange rates
Drafts outstanding

19. Payable to parent, subsidiaries and affiliates

354,917

571,960

Derivatives
Payable for securities
Payable for securities lending
Liability for amounts held under uninsured plans

24.	Capital notes $	and interest thereon $
25.	Aggregate write-ins for liabilities		8,489	9,889
26.	Total liabilities excluding protected cell liabilities (Lines 1 through 25)	228,617,944	236,358,969
27.	Protected cell liabilities
28.	Total liabilities (Lines 26 and 27)		228,617,944	236,358,969
29.	Aggregate write-ins for special surplus funds
30.	Common capital stock		5,000,000	5,000,000

Preferred capital stock
Aggregate write-ins for other than special surplus funds
Surplus notes

34.	Gross paid in and contributed surplus		42,100,533	42,100,533
35.	Unassigned funds (surplus)			37,016,839	35,711,578
36.	Less treasury stock, at cost:
	36.1	shares common (value included in Line 30	$	)
	36.2	shares preferred (value included in Line 31	$	)
37.	Surplus as regards policyholders (Lines 29 to 35, less 36)			84,117,372	82,812,111
38.	Totals (Page 2, Line 28, Col. 3)		312,735,316	319,171,080
	DETAILS OF WRITE-INS
2501.	Medical Malpractice Ins Pool of NY Deficiency Reserve		8,489	9,889
2502.
2503.
2598.	Summary of remaining write-ins for Line 25 from overflow page
2599.	Totals (Lines 2501 through 2503 plus 2598) (Line 25 above)		8,489	9,889
2901.
2902.
2903.
2998.	Summary of remaining write-ins for Line 29 from overflow page
2999.	Totals (Lines 2901 through 2903 plus 2998) (Line 29 above)
3201.
3202.
3203.
3298.	Summary of remaining write-ins for Line 32 from overflow page
3299.	Totals (Lines 3201 through 3203 plus 3298) (Line 32 above)

STATEMENT AS OF MARCH 31, 2024 OF THE ProAssurance Insurance Company of America

STATEMENT OF INCOME

						1	2	3
						Current Year	Prior Year	Prior Year Ended
						to Date	to Date	December 31
1.	Premiums earned:	UNDERWRITING INCOME

	1.1	Direct (written $	12,011,152	)		17,351,399	17,487,337	69,759,584
	1.2	Assumed (written $		)		542		2,530
	1.3	Ceded (written $	154,456	)		169,825	234,833	794,535
	1.4	Net (written $	11,856,696	)		17,182,116	17,252,504	68,967,579
2.		DEDUCTIONS:
Losses incurred (current accident year $	7,688,779 ):
	2.1 Direct				7,841,922	6,428,497	36,012,900
	2.2 Assumed				146		755
	2.3 Ceded				153,290	78,282	28,914
3.	2.4 Net				7,688,778	6,350,215	35,984,741
Loss adjustment expenses incurred			6,346,017	7,630,516	23,450,386
4.	Other underwriting expenses incurred			4,205,890	3,360,836	17,061,725
5.	Aggregate write-ins for underwriting deductions		2,871	5,073	6,637
6.	Total underwriting deductions (Lines 2 through 5)		18,243,556	17,346,640	76,503,489
7.	Net income of protected cells
8.	Net underwriting gain (loss) (Line 1 minus Line 6 + Line 7)		(1,061,440)	(94,136)	(7,535,910)
9.	Net investment income earned	INVESTMENT INCOME		2,236,219	2,496,333	11,386,838

10.	Net realized capital gains (losses) less capital gains tax of $	3,730	36,151	(18,400)	(95,560)
11.	Net investment gain (loss) (Lines 9 + 10)			2,272,370	2,477,933	11,291,278
12.			OTHER INCOME
Net gain or (loss) from agents' or premium balances charged off
13.	(amount recovered $	7,154	amount charged off $	17,716 )	(10,562)	(9,840)	3,760
Finance and service charges not included in premiums		1,474	218,187	194,356
14.	Aggregate write-ins for miscellaneous income		180,927	142,920	671,381
15.	Total other income (Lines 12 through 14)			171,839	351,267	869,497
16.	Net income before dividends to policyholders, after capital gains tax and before all other federal
	and foreign income taxes (Lines 8 + 11 + 15)		1,382,769	2,735,064	4,624,865

Dividends to policyholders
Net income, after dividends to policyholders, after capital gains tax and before all other federal

19.	and foreign income taxes (Line 16 minus Line 17)	1,382,769	2,735,064	4,624,865
Federal and foreign income taxes incurred	(90,039)	124,523	286,311
20.	Net income (Line 18 minus Line 19)(to Line 22)	1,472,808	2,610,541	4,338,554
21.	CAPITAL AND SURPLUS ACCOUNT
Surplus as regards policyholders, December 31 prior year	82,812,111	92,169,280	92,169,280
22.	Net income (from Line 20)	1,472,808	2,610,541	4,338,554

Net transfers (to) from Protected Cell accounts
Change in net unrealized capital gains or (losses) less capital gains tax of

25.	$	148,829	419,185	(408,736)	(2,369,990)
Change in net unrealized foreign exchange capital gain (loss)
26.	Change in net deferred income tax	(324,393)	(513,507)	(411,455)
27.	Change in nonadmitted assets	(262,339)	180,445	(1,552,561)

Change in provision for reinsurance
Change in surplus notes
Surplus (contributed to) withdrawn from protected cells
Cumulative effect of changes in accounting principles
Capital changes:
1. Paid in
2. Transferred from surplus (Stock Dividend)
3. Transferred to surplus
Surplus adjustments:
1. Paid in
2. Transferred to capital (Stock Dividend)
3. Transferred from capital
Net remittances from or (to) Home Office

35. Dividends to stockholders

(9,361,717)

Change in treasury stock
Aggregate write-ins for gains and losses in surplus

38.	Change in surplus as regards policyholders (Lines 22 through 37)	1,305,261	1,868,743	(9,357,169)
39.	Surplus as regards policyholders, as of statement date (Lines 21 plus 38)	84,117,372	94,038,023	82,812,111
0501.	DETAILS OF WRITE-INS
Medical Malpractice Ins Pool of NY Deficiency Reserve	(1,399)	270	(14,156)
0502.	Medical Malpractice Insurance Pool of NY Expenses	4,270	4,803	20,793
0503.
0598.	Summary of remaining write-ins for Line 5 from overflow page
0599.	TOTALS (Lines 0501 through 0503 plus 0598) (Line 5 above)	2,871	5,073	6,637
1401.	Miscellaneous Income	180,927	142,920	671,381
1402.
1403.
1498.	Summary of remaining write-ins for Line 14 from overflow page
1499.	TOTALS (Lines 1401 through 1403 plus 1498) (Line 14 above)	180,927	142,920	671,381
3701.
3702.
3703.
3798.	Summary of remaining write-ins for Line 37 from overflow page
3799.	TOTALS (Lines 3701 through 3703 plus 3798) (Line 37 above)

STATEMENT AS OF MARCH 31, 2024 OF THE ProAssurance Insurance Company of America

CASH FLOW

				1	2	3
				Current Year	Prior Year	Prior Year Ended
				To Date	To Date	December 31
1.		Cash from Operations
Premiums collected net of reinsurance		12,283,435	19,495,646	78,890,583
2.	Net investment income		3,150,377	2,860,034	18,457,235
3.	Miscellaneous income		171,839	351,266	869,500
4.	Total (Lines 1 to 3)		15,605,651	22,706,946	98,217,318
5.	Benefit and loss related payments		11,676,029	6,245,596	33,997,154
6.	Net transfers to Separate Accounts, Segregated Accounts and Protected Cell Accounts
7.	Commissions, expenses paid and aggregate write-ins for deductions		8,133,296	8,612,290	39,606,188
8.	Dividends paid to policyholders
9.	Federal and foreign income taxes paid (recovered) net of $	tax on capital
10.	gains (losses)		(3,726)	249,236	1,365,150
Total (Lines 5 through 9)		19,805,599	15,107,122	74,968,492
11.	Net cash from operations (Line 4 minus Line 10)		(4,199,948)	7,599,824	23,248,826
12.		Cash from Investments
Proceeds from investments sold, matured or repaid:
	12.1	Bonds		12,539,369	4,273,258	23,856,531
	12.2	Stocks
	12.3	Mortgage loans
	12.4	Real estate
	12.5	Other invested assets
	12.6	Net gains or (losses) on cash, cash equivalents and short-term investments
	12.7	Miscellaneous proceeds			680,000	398,956
13.	12.8	Total investment proceeds (Lines 12.1 to 12.7)		12,539,369	4,953,258	24,255,487
Cost of investments acquired (long-term only):
	13.1	Bonds		7,129,050	2,767,092	32,847,423
	13.2	Stocks				2,777,447
	13.3	Mortgage loans
	13.4	Real estate			(165,575)
	13.5	Other invested assets		172,884	216,404	3,587,632
	13.6	Miscellaneous applications
14.	13.7	Total investments acquired (Lines 13.1 to 13.6)		7,301,934	2,817,921	39,212,502
Net increase/(decrease) in contract loans and premium notes
15.	Net cash from investments (Line 12.8 minus Line 13.7 and Line 14)		5,237,435	2,135,337	(14,957,015)
16.		Cash from Financing and Miscellaneous Sources
Cash provided (applied):
	16.1	Surplus notes, capital notes
	16.2	Capital and paid in surplus, less treasury stock
	16.3	Borrowed funds
	16.4	Net deposits on deposit-type contracts and other insurance liabilities
	16.5	Dividends to stockholders				9,361,717
	16.6	Other cash provided (applied)			(46,669)
17.	Net cash from financing and miscellaneous sources (Line 16.1 through Line 16.4 minus Line 16.5
	plus Line 16.6)			(46,669)	(9,361,717)
18.		RECONCILIATION OF CASH, CASH EQUIVALENTS AND SHORT-TERM INVESTMENTS
Net change in cash, cash equivalents and short-term investments (Line 11, plus Lines 15 and 17)	1,037,487	9,688,492	(1,069,906)
19.	Cash, cash equivalents and short-term investments:
	19.1	Beginning of year		6,745,418	7,815,324	7,815,324
	19.2	End of period (Line 18 plus Line 19.1)		7,782,905	17,503,816	6,745,418

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Note 1 - Summary of Significant Accounting Policies and Going Concern

Accounting practices
The accompanying financial statements of ProAssurance Insurance Company of America (the Company) are presented on the basis of accounting practices prescribed or permitted by the Illinois Department of Insurance.
The Illinois Department of Insurance recognizes only statutory accounting practices (SAP) prescribed or permitted by the State of Illinois for determining and reporting the financial condition and results of operations of an insurance company and for determining its solvency under the Illinois Insurance Code. The National Association of Insurance Commissioners' (NAIC) Accounting Practices and Procedures Manual has been adopted as a component of prescribed or permitted practices by the State of Illinois. The Company does not employ any accounting practices prescribed or permitted by the State of Illinois that depart from NAIC SAP, as shown in the following table:

						Year-to-date period ended
NET INCOME	SSAP	F/S	F/S		March 31,	December 31,
#	Page	Line #		2024		2023
(1)	State basis (Page 4, Line 20, Columns 1 & 3)	XXX	XXX	XXX	$	1,472,808	$	4,338,555
(2)	State Prescribed Practices that are an increase/					-		-
(decrease) from NAIC SAP:
(3)	State Permitted Practices that are an increase/					-		-
(decrease) from NAIC SAP:
(4)	NAIC SAP (1-2-3=4)	XXX	XXX	XXX	$	1,472,808	$	4,338,555
SURPLUS

(5)	State basis (Page 3, Line 37, Columns 1 & 2)	XXX	XXX	XXX	$	84,117,372	$	82,812,111
(6)	State Prescribed Practices that are an increase/					-		-
(decrease) from NAIC SAP:
(7)	State Permitted Practices that are an increase/					-		-
(decrease) from NAIC SAP:
(8)	NAIC SAP (5-6-7=8)	XXX	XXX	XXX	$	84,117,372	$	82,812,111

The term "none" or "no significant change" is used in the following notes to indicate that the Company does not have any items requiring disclosure under the respective note.

Use of estimates in the preparation of the financial statements - No significant change.
Accounting policy
1. - (5) No significant change.

1. Loan-backedsecurities are reported at amortized cost provided that the SVO's designation is 1 or 2. If the SVO's designation is 3 or greater, the security is reported at the lower of amortized cost or fair value. The Company uses the prospective method to make valuation adjustments when necessary.
2. - (13) No significant change.
Going Concern
Management has concluded that there is no doubt regarding the Company's ability to continue as a going concern.

Note 2 - Accounting Changes and Corrections of Errors- None.

Note 3 - Business Combinations and Goodwill- None.

Note 4 - Discontinued Operations- None.

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Note 5 - Investments

Mortgage loans, including mezzanine real estate loans - None.
Debt restructuring - None.
Reverse mortgages - None.
Loan-backedsecurities
1. Prepayment assumptions for single-class and multi-classmortgage-backed/asset-backed securities were obtained from broker dealer survey values or internal estimates.
2. The Company has recognized no other-than-temporary impairments of loan-backed securities for intent to sell or for inability to hold to recovery as of March 31, 2024.
3. No loan-backed securities, held as of March 31, 2024, have incurred other-than-temporary impairments recognized in earnings based on the fact that the present value of projected cash flows expected to be collected was less than the amortized cost of the securities.
4. For all loan-backed securities held at March 31, 2024 for which fair value is less than cost, but which have had no other-than-temporary impairment recognized in earnings, the following table displays balances, according to duration of the loss position:

The aggregate amount of unrealized losses:

1.	Less than 12 Months	$	(48,600)
2.	12 Months or Longer	$	(3,731,493)

The aggregate related fair value of securities with unrealized losses:

1.	Less than 12 Months	$	3,453,866
2.	12 Months or Longer	$	32,973,193

1. The Company used pricing services in determining the fair value of its loan-backed securities. In determining that a security is not other-than-temporarily impaired, securities are analyzed for future cash flows by using current and expected losses, historical and expected prepayment speeds (based on Bloomberg and broker dealer survey values), and assumptions about recoveries relative to the seniority or subordination in the capital structure. If the results indicate that the Company will be able to maintain the current book yield, no other-than-temporary impairment is warranted.
Dollar repurchase agreements and/or securities lending transactions - None.
Repurchase agreements transactions accounted for as secured borrowing - None.
Reverse repurchase agreements transactions accounted for as secured borrowing - None.
Repurchase agreements transactions accounted for as a sale - None.
Reverse repurchase agreements transactions accounted for as a sale - None.
Real estate - None.
Low-incomehousing tax credits (LIHTC) - None.
Restricted assets - None.
Working capital finance investments - None.
Offsetting and netting of assets and liabilities - None.
5GI Securities - None.
Short sales - None.
Prepayment penalty and acceleration fees

			General		Protected
			Account		Cell
(1)	Number of CUSIPs		7		-
(2)	Aggregate amount of investment income	$	3,591	$	-

R. Reporting entity's share of cash pool by asset type - None.

6.1

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Note 6 - Joint Ventures, Partnerships and Limited Liability Companies

Detail for those greater than 10% of admitted assets - None.
Write-downsfor impairments - None.

Note 7 - Investment Income

Accrued investment income - None.
Amounts nonadmitted - None.
The gross, nonadmitted and admitted amounts for interest income due and accrued.

Interest Income Due and Accrued		Amount
1.	Gross	$	1,665,424
2.	Nonadmitted	$	-
3.	Admitted	$	1,665,424

The aggregate deferred interest - None.
The cumulative amounts of paid-in-kind (PIK) interest included in the current principal balance - None.

Note 8 - Derivative Instruments- None.

6.2

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Note 9 - Income Taxes

The components of the net deferred tax asset/(liability) at March 31 are as follows: 1.

					3/31/2024
			(1)		(2)		(3)
							(Col 1+2)
			Ordinary		Capital		Total
(a)	Gross Deferred Tax Assets	$	5,708,380	$	18,446	$	5,726,826
(b)	Statutory Valuation Allowance Adjustments		-		-		-
(c)	Adjusted Gross Deferred Tax Assets (1a - 1b)		5,708,380		18,446		5,726,826
(d)	Deferred Tax Assets Nonadmitted		-		-		-
(e)	Subtotal Net Admitted Deferred Tax Asset (1c - 1d)		5,708,380		18,446		5,726,826
(f)	Deferred Tax Liabilities		1,502,794		3,127,734		4,630,528
(g)	Net Admitted Deferred Tax Asset/(Net Deferred Tax	$	4,205,586	$	(3,109,288)	$	1,096,298
	Liability)(1e-1f)

				12/31/2023
			(4)		(5)		(6)
							(Col 4+5)
			Ordinary		Capital		Total
(a)	Gross Deferred Tax Assets	$	5,962,120	$	23,091	$	5,985,211
(b)	Statutory Valuation Allowance Adjustments		-		-		-
(c)	Adjusted Gross Deferred Tax Assets (1a - 1b)		5,962,120		23,091		5,985,211
(d)	Deferred Tax Assets Nonadmitted		-		-		-
(e)	Subtotal Net Admitted Deferred Tax Asset (1c - 1d)		5,962,120		23,091		5,985,211
(f)	Deferred Tax Liabilities		1,450,070		2,965,621		4,415,691
(g)	Net Admitted Deferred Tax Asset/(Net Deferred Tax	$	4,512,050	$	(2,942,530)	$	1,569,520
	Liability)(1e-1f)

					Change
			(7)		(8)		(9)
			(Col 1-4)		(Col 2-5)		(Col 7+8)
			Ordinary		Capital		Total
(a)	Gross Deferred Tax Assets	$	(253,740)	$	(4,645)	$	(258,385)
(b)	Statutory Valuation Allowance Adjustments		-		-		-
(c)	Adjusted Gross Deferred Tax Assets (1a - 1b)		(253,740)		(4,645)		(258,385)
(d)	Deferred Tax Assets Nonadmitted		-		-		-
(e)	Subtotal Net Admitted Deferred Tax Asset (1c - 1d)		(253,740)		(4,645)		(258,385)
(f)	Deferred Tax Liabilities		52,724		162,113		214,837
(g)	Net Admitted Deferred Tax Asset/(Net Deferred Tax	$	(306,464)	$	(166,758)	$	(473,222)
	Liability)(1e-1f)

6.3

Attachments

Disclaimer

ProAssurance Corporation published this content on 03 June 2024 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 03 June 2024 20:02:33 UTC.

"ProAssurance Insurance Company of America","PNC AS","2024 03 31" Annual Statutory Statement

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