1.  Reserve Ratios

Calculation Explanation

Summary of Reserve Ratios

Unearned Premium Reserve Ratio

2005 Summary of By-Line Unearned Premium Reserve Ratio

Summary of Year 2005 CA P&C Annual Statement State Page For All Insurers

Summary of Year 2004 CA P&C Annual Statement State Page For All Insurers

Loss Reserve Ratio

California Loss Reserve Ratio

2.  Efficiency Standards

Calculation Explanation

2003-2005 Summary Worksheets 

2005 Data (in WinZip format)

3.  Leverage Factors

Calculation Explanation

Leverage Factor Worksheet