2007 Annual Report
Page
Cover Page
Table of Contents
Financial Highlights
To Our Shareholders
Focus, Discipline, Profitability
Strength, Loyaltry, Protection
Vision, Potential, Value
SEC Form 10-K
Table of Contents Form 10-K
PART I
Item 1. Business
Item 1A. Risk Factors
Item 1B. Unresolved Staff Comments
Item 2. Properties
Item 3. Legal Proceedings
Item 4. Submission of Matters to a Vote of Security Holders
PART II
Item 5. Market for Registrant’s Common Equity and Related Stockholder Matters and Issuer Purchases of Equity Securities
Item 6. Selected Financial Data
Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations
Item 7A. Quantitative and Qualitative Disclosure about Market Risk
Item 8. Financial Statements and Supplementary Data
Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure
Item 9A. Controls and Procedures
Item 9B. Other Information
PART III
Item 10. Directors and Executive Officers of the Registrant
Item 11. Executive Compensation
Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters
Item 13. Certain Relationships and Related Transactions
Item 14. Principal Accounting Fees and Services
PART IV
Item 15. Exhibits and Financial Statement Schedules
Exhibit Index
Signatures
Report of Independent Registered Public Accounting Firm
Schedule II
Balance Sheets
Statements of Earnings and Retained Earnings
Statements of Cash Flows
A. Summary of Significant Accounting Policies
B. Notes Payable
C. Supplemental Cash Flow Information
D. Cash Dividends Received
Valuation and Qualifying Accounts Years Ended December 31, 2007, 2006 and 2005
Board of Directors & Executive Officers
Back Cover
