Table 1: Advertising, Marketing and Promotional Expense as a Percentage of Net Operating Revenue
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1 Table 1: Advertising, Marketing and Promotional Expense as a Percentage of Net Operating Revenue NAIC Group % Attorney s Title 3.8% Chicago / Fidelity 0.9% Diversified 0.6% First American 2.7% Investors 4.5% Land America 1.6% Ohio Farmers 0.9% Old Republic 2.0% Reliant Holding 0.7% Stewart 3.6% Unaffiliated Companies (composite) 2.0% Industry Composite 1.9% Source: Demotech Performance of Title Insurance Companies, 2005 Edition.
2 Table 2: Reported Title Industry Profitability Measures, Measure Expense ratio 93.8% 95.2% 92.7% 91.7% 89.7% 91.1% Loss ratio 4.2% 5.3% 4.8% 4.3% 3.9% 4.3% Combined ratio 98.0% 100.5% 97.5% 96.0% 93.7% 95.8% Source: CDS Performance of Title Insurance Companies, 2002 Edition (for 1999 data), CDS Performance of Title Insurance Companies, 2003 Edition (for data), Demotech Performance of Title Insurance Companies, 2005 Edition (for data).
3 Table 3: State Title Insurance Rate Regulations Promulgation Prior Approval File and Use Use and File Open Rate Regulation Florida Idaho Alaska Vermont Alabama New Mexico Maryland Arizona Wisconsin District of Columbia Texas Nebraska Arkansas Georgia Nevada California Hawaii New Hampshire Colorado Illinois New Jersey Connecticut Indiana South Carolina* Delaware Massachusetts South Dakota Kansas Oklahoma Wyoming Kentucky Louisiana Maine Michigan Minnesota Mississippi Missouri Montana New York North Carolina North Dakota Ohio Oregon Pennsylvania Rhode Island Tennessee Utah Virginia Washington *South Carolina is not listed as a Prior Approval state, but it has a Deemer Period which is characteristic of prior approval states. Source: DasGupta, Niel. Clouds on Horizon After Title Industry s Bright Year. A.M. Best Special Report. October 25, 2005
4 Table 4: Advertising as a Percentage of Sales Industry/Company Advertising as a Percentage of Sales Pharmaceuticals Pfizer 6.6% Bristol Myers Squibb 7.3% Alcoholic Beverages Shoes Anheuser Busch 5.4% Coors 14.6% Boston Beer 43.7% Nike 11.7% Skechers 8.4% Source: Pfizer Inc Financial Report., Bristol-Myers Squibb Company 2004 Annual Report, Anheuser Busch Companies 2004 Annual Report, Adolph Coors Company 2004 Annual Report, The Boston Beer Company, Inc Annual Report, Nike K, and Skechers U.S.A., Inc K. Percentages calculated as Advertising Expense divided by Net Sales.
5 Table 5: List of Title Insurers Attorney s Title Old Republic Attorneys' Title Guaranty Fund, Inc. (CO) American Guaranty Title Insurance Company Attorneys' Title Insurance Fund, Inc. (FL) Mississippi Valley Title Insurance Company National Attorneys' Title Assurance Fund, Inc. Old Republic General Title Insurance Corporation Chicago / Fidelity Old Republic National Title Insurance Company Alamo Title Insurance Reliant Holding Chicago Title and Trust Company Guarantee Title and Trust Company Chicago Title Insurance Company Guarantee Title Insurance Company Chicago Title Insurance Company of Oregon Stewart Fidelity National Title Insurance Company Alliance Title of America, Inc. National Title Insurance of New York, Inc. Arkansas Title Insurance Company Nations Title Insurance of New York Inc. National Land Title Insurance Company Security Union Title Insurance Company Stewart Title Guaranty Company Ticor Title Insurance Company Stewart Title Insurance Company Ticor Title Insurance Company of Florida Stewart Title Insurance Company of Oregon Diversified American Eagle Title Insurance Company Diversified Title Insurance Company American Land and Aircraft Title Company First American American Security Title Insurance Company Censtar Title Insurance Company Arsenal Insurance Corporation Columbian National Title Insurance Company Atlantic Title Insurance Company First American Title & Trust Company Attorneys' Title Guaranty Fund, Inc. (IL) First American Title Insurance Company Bankers Guarantee Title & Trust Company (The) First American Title Insurance Company of Kansas, Inc. Century Title Insurance Company First American Title Insurance Company of Louisiana Commerce Title Insurance Company First American Title Insurance Company of New York Conestoga Title Insurance Company First American Title Insurance Company of North Carolina Connecticut Attorneys Title Insurance Company First American Title Insurance Company of Oregon Dakota Homestead Title Insurance Company First American Transportation Title Insurance Company Dreibelbiss Title Company, Inc. Land Title Insurance Company (St. Louis) General Title & Trust Company Massachusetts Title Insurance Company Guardian National Title Insurance Company Mortgage Guarantee & Title Company Land Title Insurance Corporation Ohio Bar Title Insurance Company Manito Title Insurance Company Pacific Northwest Title Insurance Company, Inc. Mason County Title Insurance Company Penn Attorneys Title Insurance Company Mississippi Guaranty Title Insurance Company Port Lawrence Title & Trust Company Monroe Title Insurance Corporation T.A. Title Insurance Company National Title Insurance Company Western National Title Insurance Company New Jersey Title Insurance Company Investors North American Title Insurance Company Investors Title Insurance Company North American Title Insurance Corporation Northeast Investors Title Insurance Company Olympic Title Insurance Company Land America Seagate Title & Abstract Company, Inc. Commonwealth Land Title Insurance Company Security Title Guarantee Corporation of Baltimore (The) Commonwealth Land Title Insurance Company of New Jersey Title Guaranty and Trust Company Land Title Insurance Company Title Guaranty Division of the Iowa Finance Authority Lawyers Title Insurance Corporation Title Resources Guaranty Company Title Insurance Company of America United Capital Title Insurance Company Transnation Title Insurance Company United General Title Insurance Company Transnation Title Insurance Company of New York Washington Title Insurance Company Ohio Farmers Westcor Land Title Insurance Company Southern Title Insurance Corporation Source: Demotech Performance of Title Insurance Companies, 2005 Edition.
6 Table 6: National Share of Written Premiums of Top Title Insurers Group Name Share of Written Premiums Chicago / Fidelity 30.9% First American 24.0% Land America 18.3% Stewart 11.0% Old Republic 6.1% Attorney s Title 2.9% United General Title Insurance Company 1.4% United Capital Title Insurance Company 0.8% North American Title Insurance Company 0.6% Title Resources Guaranty Company 0.6% Investors 0.5% Connecticut Attorneys Title Insurance Company 0.4% Commerce Title Insurance Company 0.4% Westcor Land Title Insurance Company 0.3% All Other Insurers 1.9% Source: Demotech Performance of Title Insurance Companies, 2005 Edition. Based on direct written premiums for 2004.
7 Table 7: Selected Top Insurers in Specific States That Are Not Among the Top Five Insurers Nationally Company United Capital Title Insurance Company Land Title Insurance Corporation Connecticut Attorneys Title Insurance Company Attorney s Title Security Title Guarantee Corporation of Baltimore Investors #5 in Arizona #5 in Colorado #3 in Connecticut #5 in Rhode Island #1 in Vermont #2 in Florida #5 in Illinois #5 in Louisiana #5 in Maryland #5 in Mississippi State and Rank #2 in North Carolina #5 in South Carolina #5 in West Virginia Source: Demotech Performance of Title Insurance Companies, 2005 Edition. Based on direct written premiums for 2004.
8 Table 8: Regional Companies that have Greater than a 5% Market Share in a Given State in 2004 Company Land Title Insurance Corporation Connecticut Attorneys Title Insurance Company Attorney s Title Security Title Guarantee Corporation of Baltimore Ohio Farmers Dakota Homestead Title Insurance Company Investors State and Market Share 7.9% in Colorado 23.5% in Connecticut 38.6% in Vermont 22.0% in Florida 8.7% in Mississippi 5.2% in Virginia 12.7% in South Dakota 24.3% in North Carolina 6.2% in South Carolina 8.6% in West Virginia Source: Demotech Performance of Title Insurance Companies, 2005 Edition. Based on direct written premiums for 2004.
9 Table 9: Market Shares of Chicago and Fidelity Groups in 1999 State Chicago Fidelity Combined Alabama 12.8% 7.5% 20.3% Alaska 0.0% 0.3% 0.4% Arizona 13.3% 12.9% 26.2% Arkansas 19.3% 5.4% 24.7% California 14.2% 19.9% 34.1% Colorado 14.0% 3.6% 17.6% Connecticut 10.0% 10.2% 20.2% Delaware 22.9% 4.2% 27.1% District Of Columbia 13.1% 2.8% 15.9% Florida 12.8% 6.1% 18.9% Georgia 17.6% 5.6% 23.2% Hawaii 49.3% 11.9% 61.2% Idaho 22.2% 0.4% 22.6% Illinois 41.9% 6.1% 48.0% Indiana 30.1% 5.7% 35.8% Iowa 4.4% 21.0% 25.4% Kansas 30.0% 2.2% 32.2% Kentucky 17.4% 1.3% 18.6% Louisiana 9.3% 3.4% 12.7% Maine 10.9% 1.7% 12.6% Maryland 23.5% 8.5% 32.0% Massachusetts 8.8% 9.6% 18.4% Michigan 17.6% 8.6% 26.2% Minnesota 26.7% 4.9% 31.5% Mississippi 7.8% 3.5% 11.3% Missouri 22.4% 13.3% 35.7% Montana 13.6% 3.1% 16.6% Nebraska 24.5% 4.7% 29.1% Nevada 18.6% 8.2% 26.8% New Hampshire 22.7% 2.5% 25.1% New Jersey 21.4% 10.8% 32.2% New Mexico 7.3% 20.8% 28.1% New York 20.4% 16.4% 36.9% North Carolina 17.3% 8.1% 25.5% North Dakota 35.2% 2.9% 38.1% Ohio 18.3% 4.4% 22.7% Oklahoma 13.1% 4.6% 17.7% Oregon 32.2% 11.7% 43.8% Pennsylvania 11.1% 10.7% 21.8% Rhode Island 27.4% 7.8% 35.2% South Carolina 28.3% 5.8% 34.1% South Dakota 36.3% 0.0% 36.3% Tennessee 17.9% 8.8% 26.7% Texas 17.6% 18.0% 35.7% Utah 8.1% 8.8% 16.9% Vermont 6.8% 2.2% 8.9% Virginia 10.9% 6.6% 17.5% Washington 32.1% 4.4% 36.5% West Virginia 11.8% 6.8% 18.5% Wisconsin 41.4% 2.4% 43.8% Source: CDS Performance of Title Insurance Companies: 2000 Edition. Based on 1999 Premium Written.
10 Figure 1
11 HHI by State 4,000 3,500 Average HHI: 2,393 Weighted Average HHI: 2,272 3,000 2,500 2,000 1,500 1, CO MS SD WV AL FL OH NC VA AR TN DE NV GA IN NE MD NY TX NJ UT MN KT ND CT CA KS SC PA ID AZ NH MA OK RI NM WI MO MI VT WA MT LA DC IL ME HA OR AK WY HHI State Iowa has been omitted from the chart and averages because Iowa prohibits the selling of title insurance within the state. As a result, the majority of title insurance coverage in Iowa is provided by a state agency. Weighted average based on 2004 direct written premium. Source: Demotech Performance of Title Insurance Companies, 2005 Edition. Based on 2004 direct written premiums.
12 Figure 2
13 Chicago Fidelity Share of Written Premiums by State, % 50% Share of Written Premiums 40% 30% 20% 10% 0% CA FL TX NY PA NJ AZ OH MI VA CO IL MD WA MA NV GA OR MN UT WI CT TE NC NM IN HA SC ID LA AL MO KT OK NE NH MT KS AR DC DE RI ME MS AK WY WV SD VT IA ND Share of National Premium: 30.92% State Source: Demotech Performance of Title Insurance Companies, 2005 Edition. Based on direct written premiums for States in order of amount of direct written premium for 2004.
14 Figure 3
15 First American Share of Written Premiums by State, % 50% Share of Written Premiums 40% 30% 20% 10% 0% CA FL TX NY PA NJ AZ OH MI VA CO IL MD WA MA NV GA OR MN UT WI CT TE NC NM IN HA SC ID LA AL MO KT OK NE NH MT KS AR DC DE RI ME MS AK WY WV SD VT IA ND Share of National Premium: 23.99% State Source: Demotech Performance of Title Insurance Companies, 2005 Edition. Based on direct written premiums for States in order of amount of direct written premium for 2004.
16 Figure 4
17 Land America Share of Written Premiums by State, % 50% Share of Written Premiums 40% 30% 20% 10% 0% CA FL TX NY PA NJ AZ OH MI VA CO IL MD WA MA NV GA OR MN UT WI CT TE NC NM IN HA SC ID LA AL MO KT OK NE NH MT KS AR DC DE RI ME MS AK WY WV SD VT IA ND Share of National Premium: 18.33% State Source: Demotech Performance of Title Insurance Companies, 2005 Edition. Based on direct written premiums for States in order of amount of direct written premium for 2004.
18 Figure 5
19 Stewart Share of Written Premiums by State, % 50% Share of Written Premiums 40% 30% 20% 10% 0% CA FL TX NY PA NJ AZ OH MI VA CO IL MD WA MA NV GA OR MN UT WI CT TE NC NM IN HA SC ID LA AL MO KT OK NE NH MT KS AR DC DE RI ME MS AK WY WV SD VT IA ND Share of National Premium: 10.97% State Source: Demotech Performance of Title Insurance Companies, 2005 Edition. Based on direct written premiums for States in order of amount of direct written premium for 2004.
20 Figure 6
21 Old Republic Share of Written Premiums by State, % 50% Share of Written Premiums 40% 30% 20% 10% 0% CA FL TX NY PA NJ AZ OH MI VA CO IL MD WA MA NV GA OR MN UT WI CT TE NC NM IN HA SC ID LA AL MO KT OK NE NH MT KS AR DC DE RI ME MS AK WY WV SD VT IA ND Share of National Premium: 6.12% State Source: Demotech Performance of Title Insurance Companies, 2005 Edition. Based on direct written premiums for States in order of amount of direct written premium for 2004.
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