American Financial Group, Inc. (NYSE: AFG) (NASDAQ: AFG)
today reported net earnings attributable to shareholders of $55
million ($0.52 per share) for the 2011 second quarter, compared to
$108 million ($0.97 per share) reported for the 2010 second
quarter. Per share results reflect the impact of share repurchases
in 2011 and 2010. The 2011 results reflect lower earnings from the
Company’s core property and casualty (“P&C”) insurance
operations, and a special charge of $38 million resulting from
strengthening reserves for asbestos and other environmental
exposures (“A&E”) primarily within the P&C run-off
operations. These results were partially offset by $12 million of
realized gains. Net earnings for the first six months of 2011 were
$138 million ($1.31 per share) compared to $214 million ($1.90 per
share) for the same period a year ago.
Core net operating earnings were $81 million ($0.78 per share)
for the 2011 second quarter, compared to $102 million ($0.91 per
share) reported in the 2010 second quarter. Improved results in the
annuity and supplemental insurance group were offset by lower
underwriting profit in our specialty P&C operations, primarily
the result of lower favorable reserve development and lower P&C
investment income. Core net operating earnings for the first six
months of 2011 were $167 million ($1.59 per share) compared to $205
million ($1.82 per share) for the same period a year ago. Six month
annualized core operating return on equity was 9%.
During the second quarter of 2011, AFG repurchased 2.7 million
shares of common stock at an average price per share of $34.79.
Repurchases during the first six months of 2011 totaled 5.2 million
shares at an average price per share of $34.43.
AFG’s net earnings attributable to shareholders, determined in
accordance with generally accepted accounting principles (“GAAP”),
include certain items that may not be indicative of its ongoing
core operations. The following table identifies such items and
reconciles net earnings attributable to shareholders to core net
operating earnings, a non-GAAP financial measure that AFG believes
is a useful tool for investors and analysts in analyzing ongoing
operating trends.
Three months ended Six
months ended In millions, except per share amounts June 30, June
30,
2011 2010 2011
2010 Components of net earnings attributable to
shareholders:
Core net operating earnings
(a)
$ 81 $ 102 $ 167 $
205
Realized gains
12 6 9 9
Special A&E charge ((b))
(38 ) - (38 ) -
Net earnings attributable to
shareholders
$ 55 $ 108 $ 138 $ 214 Components of Earnings
Per Share:
Core net operating earnings $ 0.78
$ 0.91 $ 1.59 $ 1.82
Realized gains
.11 .06 .09 .08
Special A&E charge ((b))
(.37 ) - (.37 ) - Net earnings attributable to shareholders
$ 0.52 $ 0.97 $ 1.31 $ 1.90
Footnotes (a) and (b) are contained in the accompanying Notes To
Financial Schedules at the end of this release.
Carl H. Lindner III and S. Craig Lindner, AFG’s Co-Chief
Executive Officers, issued this statement: “Results in AFG’s
P&C businesses and record operating earnings in our annuity and
supplemental business contributed to solid core operating earnings
for the second quarter and first six months of 2011. Our specialty
mix of insurance businesses and focused underwriting discipline
have been instrumental in helping us to navigate a period of
industry-wide catastrophe activity, continued low interest rates
and challenging P&C market conditions.
“We continue to have strong liquidity, with excess capital of
approximately $710 million. We remain committed to deploying our
excess capital in an effective manner. AFG’s share repurchases
during the second quarter were at approximately 90% of book value.
In addition to using excess capital for share repurchases, we
continue to invest in healthy, profitable organic growth and look
for opportunities to expand our specialty niche businesses through
acquisitions and start-ups where it makes sense to do so. Based on
the Company’s operating performance and its strong capital and
liquidity position, AFG’s Board of Directors has approved an
increase in the annual dividend from $0.65 to $0.70 per share per
year, effective October 1, 2011. This increase reflects our
confidence in the Company’s financial condition and prospects for
long-term growth.
“Based on our results for the first half of the year, our 2011
core operating earnings guidance remains in the range of $3.30 to
$3.70 per share. As has been our practice, this guidance excludes
realized gains and losses, the special A&E charge announced
today, as well as other significant items that may not be
indicative of ongoing operations.”
Business Segment Results
The P&C specialty insurance operations generated an
underwriting profit of $39 million in the 2011 second quarter,
compared to $68 million in the second quarter of 2010. The reduced
profit in 2011 is primarily the result of a $25 million decrease in
favorable reserve development, which was partially offset by lower
catastrophe losses. Catastrophe losses were $23 million (4 points
on the combined ratio), compared to $34 million (6 points) in the
2010 second quarter. Underwriting profit of the P&C specialty
insurance operations for the first six months of 2011 was $85
million, as compared to $145 million in the comparable 2010 period.
This difference was primarily the result of lower favorable reserve
development.
Gross written premiums were up 17% and 9%, for the second
quarter and first half of 2011, respectively, compared to the same
periods in 2010. This growth was driven by increased premiums in
our Property and Transportation segment, particularly our crop and
transportation businesses. Net written premiums for the second
quarter and first half of 2011 increased 16% and 10%, respectively.
Further details of the P&C Specialty operations may be found in
the accompanying schedules.
The Property and Transportation group reported a small
underwriting profit in the second quarter of 2011, compared to an
underwriting profit of $8 million in the second quarter of 2010.
This decrease is attributable to lower favorable reserve
development, particularly in our inland marine and crop insurance
operations, and slightly lower earnings in our agricultural
businesses, which was partially offset by lower catastrophe losses.
The $18 million in catastrophe losses recorded by this group in the
second quarter of 2011 as a result of April and May tornados was
$12 million lower than losses this group experienced in the
comparable 2010 period. Underwriting profit in the first six months
of 2011 decreased approximately $7 million from the comparable 2010
period. Our largest businesses in this group produced solid
underwriting profit margins through the first six months of 2011.
Gross and net written premiums for the first six months of 2011
were 27% and 30% higher than the comparable 2010 periods,
respectively, primarily as a result of premiums from National
Interstate’s acquisition of Vanliner as well as higher spring
commodity prices, which have the effect of increasing our crop
premiums.
The Specialty Casualty group reported an underwriting
profit of $21 million in the second quarter of 2011, slightly lower
than the second quarter of 2010. Increased underwriting profit in
our excess and surplus businesses and higher favorable development
in our run-off legal professional liability book were more than
offset by lower underwriting profits in our Marketform, executive
liability and general liability operations. Underwriting profit in
the first six months of 2011 decreased approximately $18 million
from the comparable 2010 period. Lower underwriting profit in a
block of program business and lower favorable reserve development
were offset somewhat by improved results in our excess and surplus
lines. Most businesses in this group produced strong underwriting
profit margins through the first six months of 2011. For the second
quarter of 2011, gross written premiums were up slightly and net
written premiums were flat, when compared to the 2010 period. Gross
and net written premiums for the first six months of 2011 were down
3% and 5%, respectively, from the comparable prior year period,
consistent with our expectations. The non-renewal of two major
programs that did not meet our return thresholds and a decision to
exit the excess workers’ compensation business resulted in lower
premiums in both periods.
The Specialty Financial group reported underwriting
profits of $13 million in the second quarter of 2011 compared to
$33 million in the same 2010 period. Underwriting profits for this
group were $23 million for the six month period, compared to $54
million in the same 2010 period. The absence of favorable
development related to our run-off automobile residual value
insurance operations and higher catastrophe losses in our financial
institutions business were the primary drivers of these results.
Almost all lines of business in this group produced strong
underwriting profit margins through the first six months of 2011.
Gross written premiums for the quarter and year to date were
impacted by lower premium volume resulting from the run-off of
automotive-related business and lower premiums in our financial
institutions businesses, offset to some extent by higher premiums
in our trade credit and international operations. Net written
premiums for the second quarter and first six months decreased 8%
and 4%, respectively, from the comparable 2010 periods as higher
premiums in our trade credit operations were more than offset by
lower premiums in our fidelity and crime and financial institutions
businesses.
Carl Lindner III stated, “In contrast to the increased
weather-related losses reported by the industry during the second
quarter of 2011, AFG’s catastrophe losses were modest. Our strict
adherence to underwriting guidelines and our efforts to reduce
wind-exposed property coverages have served us well. Although the
overall pricing environment remains competitive, I am encouraged
that we have held rates stable or achieved modest increases in some
of our businesses. I’m also pleased that we continued to record
favorable reserve development in our continuing P&C operations,
albeit at lower amounts than in the 2010 period. We remain on
target to achieve our 2011 operating goals. Our insurance
professionals continue to focus on writing quality business at
prices and volumes that will produce appropriate returns and to
position us well for a market turn.”
Annuity and Supplemental Insurance Core
Results
The Annuity and Supplemental Insurance Group generated core net
operating earnings before income taxes of $56 million for the 2011
second quarter, compared to $46 million in the 2010 period. These
record results reflect higher earnings in our fixed annuity
operations, especially our bank distribution channel, as well as
higher earnings in our supplemental health insurance operations.
Core operating earnings before income taxes for the first half of
2011 were 20% higher than the comparable 2010 period.
Record statutory premiums of $1.0 billion and $1.8 billion in
the 2011 second quarter and first six months were 51% and 53%
higher, respectively, than the comparable periods in 2010. These
results reflect increased sales of fixed indexed annuities in the
single premium market (due primarily to the introduction of new
products and features) and increased sales of annuities through
banks (due primarily to the addition of several new banks to the
distribution network).
Asbestos and Environmental Reserve
Charge
During July 2011, AFG completed the previously announced
comprehensive study of its asbestos and environmental exposures
relating to the run-off operations of its P&C group and
exposures related to former railroad and manufacturing operations
and sites. Such studies are undertaken every two years with the aid
of specialty actuarial and engineering firms and outside counsel.
In the intervening years, an in-depth internal review is
performed.
The P&C group’s asbestos reserves were increased by $28
million (net of reinsurance) and its environmental reserves were
increased by $22 million (net of reinsurance). At June 30, 2011,
the P&C group’s insurance reserves include $382 million, net of
reinsurance recoverables, of A&E reserves. These P&C
reserves include the Company’s assumed run-off reinsurance book and
reserves related to primary coverages written. The increase in
assumed reinsurance asbestos reserves resulted from an increase in
anticipated aggregate exposures in several large settlements
involving several insurers in which the Company has a small
proportional share. With respect to the Company’s direct asbestos
exposures, the Company experienced higher frequency and severity of
mesothelioma and other cancer claims as well as increased defense
costs on many of these claims. These trends were partially offset
by a decline in the number of claims without serious injury and
fewer new claims that required payment being reported to the
Company. The increase in environmental reserves was attributed
primarily to a small number of increases on specific environmental
claims.
At June 30, 2011, AFG’s three year survival ratio was 18.0 times
paid losses for asbestos reserves and 12.3 times paid losses for
the total A&E reserves. These ratios compare favorably with
A.M. Best’s most recent report on A&E survival ratios which
were 8.3 for asbestos and 7.7 for total industry A&E reserves.
Excluding amounts associated with the settlements of asbestos
related coverage litigation for A.P. Green Industries and another
large claim, AFG’s three year survival ratio was 11.5 and 8.8 times
paid losses for the asbestos reserves and total A&E reserves,
respectively.
In addition, the study encompassed reserves for asbestos and
environmental exposures of our former railroad and manufacturing
operations. Asbestos reserves were increased by $3 million, largely
in recognition of a higher number of expected mesothelioma and lung
cancer cases than had been previously estimated, partially offset
by a decrease in the number of claims without serious injury. The
Company increased its environmental reserves by $6 million, largely
as the result of higher estimated costs with respect to several
existing sites.
The study relied on a ground-up exposure analysis. With respect
to asbestos, it considered products and non-products exposures,
paid claims history, the pattern of new claims, settlements and
projected development. The asbestos legal climate remains very
difficult to predict with certainty.
Investments
AFG recorded second quarter 2011 net realized gains of $12
million after tax and after DAC, compared to $6 million in the
prior year period. After-tax, after-DAC realized gains for the
first six months of 2011 were $9 million, unchanged from the
comparable 2010 period. Unrealized gains on fixed maturities were
$421 million, after tax, after DAC at June 30, 2011. Our portfolio
continues to be high quality, with 91% of our fixed maturity
portfolio rated investment grade and 97% with a National
Association of Insurance Commissioners’ designation of NAIC 1 or 2,
its highest two categories.
During the first half of 2011, P&C investment income was 17%
lower than the comparable 2010 period. As disclosed previously, the
continued runoff and disposition of securities in the non-agency
residential mortgage-backed securities portfolio and generally
lower reinvestment rates were primary factors contributing to the
decrease. We expect 2011 P&C investment income to decrease
about 12% from 2010 amounts.
More information about the components of our investment
portfolio may be found in our Financial and Investment Supplements,
which are posted on our website.
About American Financial Group,
Inc.
American Financial Group is an insurance holding company based
in Cincinnati, Ohio with assets in excess of $30 billion. Through
the operations of Great American Insurance Group, AFG is engaged
primarily in property and casualty insurance, focusing on
specialized commercial products for businesses, and in the sale of
traditional fixed and indexed annuities and a variety of
supplemental insurance products, such as Medicare Supplement. Great
American Insurance Group’s roots go back to 1872 with the founding
of its flagship company, Great American Insurance Company.
Forward Looking
Statements
This press release contains certain statements that may be
deemed to be "forward-looking statements" within the meaning of
Section 27A of the Securities Act of 1933 and Section 21E of the
Securities Exchange Act of 1934. All statements in this press
release not dealing with historical results are forward-looking and
are based on estimates, assumptions and projections. Examples of
such forward-looking statements include statements relating to: the
Company's expectations concerning market and other conditions and
their effect on future premiums, revenues, earnings and investment
activities; recoverability of asset values; expected losses and the
adequacy of reserves for asbestos, environmental pollution and mass
tort claims; rate changes; and improved loss experience.
Actual results and/or financial condition could differ
materially from those contained in or implied by such
forward-looking statements for a variety of factors including but
not limited to: changes in financial, political and economic
conditions, including changes in interest and inflation rates,
currency fluctuations and extended economic recessions or
expansions; performance of securities markets; AFG’s ability to
estimate accurately the likelihood, magnitude and timing of any
losses in connection with investments in the non-agency residential
mortgage market; new legislation or declines in credit quality or
credit ratings that could have a material impact on the valuation
of securities in AFG’s investment portfolio, the availability of
capital; regulatory actions (including changes in statutory
accounting rules); changes in legal environment affecting AFG or
its customers; tax law and accounting changes; levels of natural
catastrophes and severe weather, terrorist activities (including
any nuclear, biological, chemical or radiological events),
incidents of war or losses resulting from civil unrest and other
major losses; development of insurance loss reserves and
establishment of other reserves, particularly with respect to
amounts associated with asbestos and environmental claims;
availability of reinsurance and ability of reinsurers to pay their
obligations; the unpredictability of possible future litigation if
certain settlements of current litigation do not become effective;
trends in persistency, mortality and morbidity; competitive
pressures, including the ability to obtain adequate rates and
policy terms; changes in AFG's credit ratings or the financial
strength ratings assigned by major ratings agencies to our
operating subsidiaries; and other factors identified in our filings
with the Securities and Exchange Commission.
The forward-looking statements herein are made only as of the
date of this press release. The Company assumes no obligation to
publicly update any forward-looking statements.
Conference Call
The information in this press release should be read in
conjunction with financial and investment supplements that are
available in the Investor Relations section of our web site at
www.AFGinc.com. The company will hold a conference call to discuss
2011 second quarter results at 11:30 am (ET) tomorrow, Tuesday,
August 2, 2011. Toll-free telephone access will be available by
dialing 1-888-892-6137 (international dial in 706-758-4386). The
conference ID for the live call is 82103340. Please dial in five to
ten minutes prior to the scheduled start time of the call.
A replay will also be available following the completion of the
call, at approximately 2:00 pm (ET) on August 3, 2011 and will
remain available until 11:59 pm (ET) on August 9, 2011. To listen
to the replay, dial 1-800-642-1687 (international dial in
706-645-9291) and provide the conference ID 82103340.
The conference call will also be broadcast over the Internet. To
listen to the call via the Internet, go to AFG’s website,
www.AFGinc.com, and follow the instructions at the Webcast link
within the Investor Relations section. An archived webcast will be
available immediately after the call via a link on the Investor
Relations page until August 9, 2011 at 11:59 pm (ET). An archived
audio MP3 file will also be available within 24 hours of the
call.
This earnings release and additional Financial and Investment
Supplements are available in the Investor Relations section of
AFG's web site: www.AFGinc.com.
AMERICAN FINANCIAL GROUP, INC. AND
SUBSIDIARIES
SUMMARY OF EARNINGS
(In Millions, Except Per Share
Data)
Three months endedJune
30,
Six months endedJune 30,
2011 2010 2011
2010 Revenues P&C insurance premiums $ 609 $ 572 $
1,208 $ 1,151 Life, accident & health premiums 107 113 217 228
Investment income 306 294 606 589 Realized gains 19 11 16 15 Income
(loss) of managed investment entities: Investment income 26 23 51
45 Loss on change in fair value of assets/liabilities (22 ) (15 )
(55 ) (40 ) Other income
48
54 89
98 1,093
1,052 2,132
2,086 Costs and expenses P&C insurance
losses & expenses 620 509 1,173 1,017
Annuity, life, accident & health
benefits & expenses
266
265
531
518
Interest on borrowed money 21 18 42 36
Expenses of managed investment
entities
18 14 36 23 Other operating and general expenses
99 88
186 187
1,024 894
1,968 1,781
Operating earnings before income taxes
69
158
164
305
Provision for income taxes
(c) 32
58 78
117
Net earnings including noncontrolling
interests
37
100
86
188
Less: Net earnings (loss) attributable to
noncontrolling interests
(18
)
(8
)
(52
)
(26
)
Net earnings attributable to
shareholders
$
55
$
108
$
138
$
214
Diluted Earnings per Common Share
$
0.52 $ 0.97
$ 1.31 $
1.90 Average number of Diluted Shares
104.4 111.8 105.3 112.5
June 30, December 31, Selected Balance Sheet Data:
2011 2010 Total Cash and Investments $
24,368 $ 22,670 Long-term Debt $ 940 $ 952 Shareholders’ Equity
(d) $ 4,472 $ 4,470
Shareholders’ Equity (Excluding
appropriated retained earnings &
unrealized gains/losses on fixed
maturities)((d))
$ 3,909 $ 3,948 Book Value Per Share:
Excluding appropriated retained earnings $ 42.86 $ 40.64 Excluding
appropriated retained earnings and unrealized gains/losses on fixed
maturities $ 38.69 $ 37.54 Common Shares Outstanding 101.0 105.2
Footnotes (c) and (d) are contained in the accompanying Notes To
Financial Schedules at the end of this release.
AMERICAN FINANCIAL GROUP, INC.
P&C SPECIALTY GROUP UNDERWRITING
RESULTS
(In Millions)
Three months endedJune
30,
Pct.Change
Six months endedJune 30,
Pct.Change
2011 2010 2011
2010 Gross written premiums
$ 949 $
811 17 %
$ 1,702
$ 1,555 9 %
Net
written premiums $ 669
$ 575 16 %
$
1,253 $ 1,141
10 %
Ratios (GAAP): Loss & LAE ratio 60 %
52 % 58 % 52 %
Expense ratio 34
% 36 %
35 % 36
% Combined Ratio (Excluding A&E)
94 % 88 %
93 % 88
% Total Combined Ratio 102
% 89 %
97 % 88
%
Supplemental:(e)
Gross Written Premiums: Property & Transportation $ 496
$ 364 36 % $ 814 $ 641 27 % Specialty Casualty 323 316 2 % 642 663
(3 %) Specialty Financial 129 128 1 % 245 250 (2 %) Other
1 3 -
1 1 -
$
949 $ 811 17 %
$ 1,702 $
1,555 9 %
Net Written Premiums:
Property & Transportation $ 346 $ 246 41 % $ 600 $ 462 30 %
Specialty Casualty 211 211 - 425 449 (5 %) Specialty Financial 96
104 (8 %) 194 202 (4 %) Other
16
14 14 %
34
28 21 %
$ 669
$ 575 16 %
$
1,253 $ 1,141
10 %
Combined Ratio (GAAP): Property &
Transportation 100 % 96 % 94 % 91 % Specialty Casualty 90 % 90 % 95
% 91 % Specialty Financial 87 % 74 % 89 % 79 % Aggregate
Specialty Group 94 % 88 % 93 % 88 %
Three months endedJune
30,
Six months endedJune 30,
2011 2010 2011
2010 Reserve Development
Favorable/(Unfavorable): Property & Transportation $ 4 $ 15 $
26 $ 24 Specialty Casualty 27 31 27 50 Specialty Financial 4 13 -
23 Other
2 3
5 10 Reserve Development
Excluding A&E 37 62 58 107 Special A&E Reserve Charge -
P&C Run-off
(50 )
- (50 )
- Total Reserve Development Including A&E
$ (13 ) $
62 $ 8 $
107 Points on Combined Ratio: Property
& Transportation 1 7 5 6 Specialty Casualty 12 14 6 11
Specialty Financial 4 10 - 9 Aggregate Specialty Group 6 11
5 9
Footnote (e) is contained in the accompanying Notes To Financial
Schedules at the end of this release
AMERICAN FINANCIAL GROUP, INC.
ANNUITY & SUPPLEMENTAL INSURANCE
GROUP
STATUTORY PREMIUMS
(In Millions)
Three months endedJune
30,
Pct.Change
Six months endedJune 30,
Pct.Change
2011 2010 2011
2010 Retirement annuity premiums: Fixed
annuities $ 103 $ 208 (50 %) $ 204 $ 360 (43 %) Indexed annuities
482 180 168 % 763 340 124 % Bank annuities – direct 115 142 (19 %)
215 196 10 % Bank annuities - indirect 190 10 361 10 Variable
annuities
16 19 (16 %)
35 39 (10 %) 906 559 62 %
1,578 945 67 % Supplemental insurance 96 101 (5 %) 194 203
(4 %) Life insurance
9 11
(18 %)
18 20 (10 %)
Total statutory premiums
$ 1,011
$ 671 51 %
$
1,790 $ 1,168 53 %
“Bank annuities – direct” represent premiums produced by
financial institutions appointed directly by the Company. “Bank
annuities – indirect” represent premiums produced through banks by
independent agents or brokers appointed by the Company.
AMERICAN FINANCIAL GROUP, INC.Notes
To Financial Schedules
a) GAAP to Non GAAP Reconciliation
- Components of core net operating earnings:
In millions
Three months endedJune
30,
Six months endedJune 30,
2011 2010 2011
2010 P&C operating earnings $ 107 $ 139 $
220 $ 288
Annuity & supplemental insurance
operating earnings
56 46 108 90 Interest & other corporate expense
(35 ) (30 )
(68 ) (61 )
Core operating earnings before income
taxes
128
155
260
317
Related income taxes
47
53 93
112 Core net operating earnings
$ 81 $
102 $ 167
$ 205
b) Reflects the following effect of a special A&E charge
during the 2011 periods($ in millions, except per share
amounts):
A&E Charge:
Pre-tax
After-Tax
EPS
P&C insurance runoff operations Asbestos $ 28 $ 18
Environmental
22
14
$ 50 $ 32 $ .31 Former railroad & manufacturing operations
Asbestos $ 3 $ 2 Environmental
6
4
$
9
$
6
$ .06
c) Operating income before income taxes includes $20 million and
$55 million in non-deductible losses attributable to noncontrolling
interests related to managed investment entities in the second
quarter and first six months of 2011, and $13 million and $33
million in the second quarter and first six months of 2010,
respectively.
d) Shareholders’ Equity at June 30, 2011 includes $421 million
($4.17 per share) in unrealized gains on fixed maturities and $142
million ($1.41 per share) of retained earnings appropriated to
managed investment entities. The appropriated retained earnings
will ultimately inure to the benefit of the debt holders of the
investment entities managed by AFG. Shareholder’s Equity at
December 31, 2010 includes $326 million ($3.10 per share) in
unrealized gains on fixed maturities and $197 million ($1.87 per
share) of retained earnings appropriated to managed investment
entities.
e) Supplemental Notes:
- Property & Transportation
includes primarily physical damage and liability coverage for
buses, trucks and recreational vehicles, inland and ocean marine,
agricultural-related products and other property coverages.
- Specialty Casualty includes
primarily excess and surplus, general liability, executive
liability, umbrella and excess liability, customized programs for
small to mid-sized businesses and workers’ compensation insurance,
primarily in the state of California.
- Specialty Financial includes
risk management insurance programs for lending and leasing
institutions (including collateral and mortgage protection
insurance), surety and fidelity products and trade credit
insurance.
- Other includes an internal
reinsurance facility.
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