United Insurance Holdings Earnings 2020-06-30

United Insurance Holdings Earnings 2020-06-30

UIHC 10Q Quarterly Report

Balance Sheet	Income Statement	Cash Flow
Assets, Equity	Rev, G Profit, Net Income	Ops, Inv, Fin

Document

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

_______________________

FORM 10-Q

_______________________

☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended June 30, 2020

☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from ________ to ________

Commission File Number 001-35761

_____________________

United Insurance Holdings Corp.

(Exact Name of Registrant as Specified in its Charter)



	Delaware		75-3241967
	(State or Other Jurisdiction of Incorporation or Organization)		(IRS Employer Identification Number)

727-895-7737

(Registrant's telephone number, including area code)

Securities registered pursuant to Section 12(b) of the Act:



Title of Each Class	Trading Symbol(s)	Name of Each Exchange on Which Registered
Common Stock, $0.0001 par value per share	UIHC	Nasdaq Stock Market LLC

Indicate by check mark whether the registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☑ No ☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☑ No ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and "emerging growth company" in Rule 12b-2 of the Exchange Act.



Large accelerated filer	☐	Accelerated filer	☑
Non-accelerated filer	☐	Smaller reporting company	☐
		Emerging growth company	☐

If an emerging growth company, indicate by check mark if the registrant has elected to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. £

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No R

As of July 31, 2020, 43,068,379 shares of common stock, par value $0.0001 per share, were outstanding.

UNITED INSURANCE HOLDINGS CORP.



PART I. FINANCIAL INFORMATION
	Item 1. Financial Statements	4
	Condensed Consolidated Balance Sheets (Unaudited)	4
	Condensed Consolidated Statements of Comprehensive Income (Loss) (Unaudited)	5
	Condensed Consolidated Statements of Stockholders' Equity (Unaudited)	7
	Condensed Consolidated Statements of Cash Flows (Unaudited)	8
	Notes to Unaudited Condensed Consolidated Financial Statements	9
	Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations	31
	Item 3. Quantitative and Qualitative Disclosures About Market Risk	44
	Item 4. Controls and Procedures	44
PART II. OTHER INFORMATION
	Item 1. Legal Proceedings	45
	Item 1A. Risk Factors	45
	Item 2. Unregistered Sales of Equity Securities and Use of Proceeds	46
	Item 3. Defaults Upon Senior Securities	46
	Item 4. Mine Safety Disclosures	46
	Item 5. Other Information	46
	Item 6. Exhibits	47
Signatures		48

Throughout this Quarterly Report on Form 10-Q (Form 10-Q), we present amounts in all tables in thousands, except for share amounts, per share amounts, policy counts or where more specific language or context indicates a different presentation. In the narrative sections of this Form 10-Q, we show full values rounded to the nearest thousand.

UNITED INSURANCE HOLDINGS CORP.

FORWARD-LOOKING STATEMENTS

This Form 10-Q contains “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements include statements about anticipated growth in revenues, gross written premium, earnings per share, estimated unpaid losses on insurance policies, investment returns, and diversification and expectations about our liquidity, our ability to meet our investment objectives and our ability to manage and mitigate market risk with respect to our investments. Without limiting the generality of the foregoing, words such as “may,” “will,” “expect,” “endeavor,” “project,” “believe,” “plan,” “anticipate,” “intend,” “could,” “would,” “estimate,” or “continue” or the negative variations thereof or comparable terminology are intended to identify forward-looking statements. These statements are based on current expectations, estimates and projections about the industry and market in which we operate, and management's beliefs and assumptions. Forward-looking statements are not guarantees of future performance and involve certain known and unknown risks and uncertainties that could cause actual results to differ materially from those expressed or implied by such statements. The risks and uncertainties include, without limitation:


•	our exposure to catastrophic events and severe weather conditions;


•	the regulatory, economic and weather conditions present in Florida, the state in which we are most concentrated;


•	our ability to cultivate and maintain agent relationships, particularly our relationship with AmRisc, LLC (AmRisc);


•	the possibility that actual claims incurred may exceed our loss reserves for claims;


•	assessments charged by various governmental agencies;


•	our ability to implement and maintain adequate internal controls over financial reporting;


•	our ability to maintain information technology and data security systems, and to outsource relationships;


•	our reliance on key vendor relationships, and the ability of our vendors to protect the personally identifiable information of our customers, claimants or employees;


•	our ability to attract and retain the services of senior management;


•	risks and uncertainties relating to our acquisitions, mergers and other strategic transactions;


•	risks associated with joint ventures and investments in which we share ownership or management with third parties;


•	our ability to generate sufficient cash to service all of our indebtedness and comply with covenants and other requirements related to our indebtedness;


•	our ability to increase or maintain our market share;


•	changes in the regulatory environment present in the states in which we operate;


•	the impact of new federal or state regulations that affect the insurance industry;


•	the cost, variability and availability of reinsurance;


•	our ability to collect from our reinsurers on our reinsurance claims;


•	dependence on investment income and the composition of our investment portfolio and related market risks;


•	the possibility of the pricing and terms for our products to decline due to the historically cyclical nature of the property and casualty insurance and reinsurance industry;


•	the outcome of legal actions pending against us, including the terms of any settlements;


•	downgrades in our financial strength or stability ratings;


•	the impact of future sales of substantial amounts of our common stock by us or our significant stockholders on our stock price;


•	our ability to pay dividends in the future, which may be constrained by our holding company structure;


•	the ability of our subsidiaries to pay dividends in the future, which may affect our liquidity and our ability to meet our obligations;


•	the ability of R. Daniel Peed and his affiliates to exert significant control over us due to substantial ownership of our common stock, subject to certain restrictive covenants that may restrict our ability to pursue certain opportunities;


•	the impact of transactions by R. Daniel Peed and his affiliates on the price of our common stock;


•	provisions in our charter documents that may make it harder for others to obtain control of us;


•	the impact of the novel strain of coronavirus (COVID-19) and related business disruption and economic uncertainty on our business, results of operations and financial condition; and


•	other risks and uncertainties described in the section entitled "Risk Factors" in Part I, Item 1A in our Annual Report on Form 10-K for the year ended December 31, 2019.

We caution you not to place undue reliance on these forward-looking statements, which are valid only as of the date they were made. Except as may be required by applicable law, we undertake no obligation to update or revise any forward-looking statements to reflect new information, the occurrence of unanticipated events or otherwise.

UNITED INSURANCE HOLDINGS CORP.

PART I. FINANCIAL INFORMATION

Item 1. Financial Statements

Condensed Consolidated Balance Sheets (Unaudited)



	June 30, 2020			December 31, 2019
ASSETS
Investments, at fair value:
Fixed maturities, available-for-sale (amortized cost of $975,797 and $869,598, respectively)	$	1,015,291		$	884,861
Equity securities	131,003			116,610
Other investments (amortized cost of $11,334 and $8,067, respectively)	12,010			10,252
Total investments	$	1,158,304		$	1,011,723
Cash and cash equivalents	229,631			215,469
Restricted cash	51,939			71,588
Total cash, cash equivalents and restricted cash	$	281,570		$	287,057
Accrued investment income	5,815			5,901
Property and equipment, net	37,949			32,728
Premiums receivable, net (credit allowance of $192 and $165, respectively)	113,288			86,568
Reinsurance recoverable on paid and unpaid losses, net (credit allowance of $226 and $256, respectively)	486,805			550,136
Ceded unearned premiums	498,838			270,034
Goodwill	73,045			73,045
Deferred policy acquisition costs, net	120,182			104,572
Intangible assets, net	23,898			26,079
Other assets, net (credit allowance of $82 and $141, respectively)	30,738			19,375
Total Assets	$	2,830,432		$	2,467,218
LIABILITIES AND STOCKHOLDERS' EQUITY
Liabilities:
Unpaid losses and loss adjustment expenses	$	683,471		$	760,357
Unearned premiums	760,131			674,055
Reinsurance payable on premiums	460,807			166,131
Payments outstanding	45,552			57,555
Accounts payable and accrued expenses	88,061			78,592
Operating lease liability	2,369			324
Other liabilities	82,184			47,407
Notes payable, net	158,340			158,932
Total Liabilities	$	2,280,915		$	1,943,353
Commitments and contingencies (Note 10)
Stockholders' Equity:
Preferred stock, $0.0001 par value; 1,000,000 shares authorized; none issued or outstanding	$	—		$	—
Common stock, $0.0001 par value; 50,000,000 shares authorized; 43,216,919 and 43,056,310 issued, respectively; 43,068,379 and 43,028,074 outstanding, respectively	4			4
Additional paid-in capital	392,633			391,852
Treasury shares, at cost: 212,083 shares	(431		)	(431		)
Accumulated other comprehensive income	29,527			11,319
Retained earnings	106,534			100,394
Total stockholders' equity attributable to United Insurance Holdings Corp. (UIHC) stockholders	$	528,267		$	503,138
Noncontrolling interests (NCI)	21,250			20,727
Total Stockholders' Equity	$	549,517		$	523,865
Total Liabilities and Stockholders' Equity	$	2,830,432		$	2,467,218

See accompanying Notes to Unaudited Condensed Consolidated Financial Statements.

UNITED INSURANCE HOLDINGS CORP.

Condensed Consolidated Statements of Comprehensive Income (Unaudited)



	Three Months Ended						Six Months Ended
	June 30,						June 30,
	2020			2019			2020			2019
REVENUE:
Gross premiums written	$	439,651		$	449,762		$	774,834		$	768,321
Change in gross unearned premiums	(95,512		)	(119,737		)	(86,076		)	(126,483		)
Gross premiums earned	344,139			330,025			688,758			641,838
Ceded premiums earned	(158,657		)	(139,621		)	(311,680		)	(270,712		)
Net premiums earned	185,482			190,404			377,078			371,126
Net investment income	5,907			7,570			12,824			14,865
Net realized investment gains (losses)	59			(13		)	(9		)	168
Net unrealized gain (loss) on equity securities	20,552			2,737			(5,904		)	12,910
Other revenue	4,397			4,078			8,712			8,028
Total revenue	216,397			204,776			392,701			407,097
EXPENSES:
Losses and loss adjustment expenses	101,693			116,252			204,530			220,799
Policy acquisition costs	52,573			61,622			111,448			116,868
Operating expenses	13,977			11,199			23,681			21,410
General and administrative expenses	16,121			16,802			34,422			34,383
Interest expense	2,565			2,527			4,984			4,936
Total expenses	186,929			208,402			379,065			398,396
Income (loss) before other income	29,468			(3,626		)	13,636			8,701
Other income	14			21			42			27
Income (loss) before income taxes	29,482			(3,605		)	13,678			8,728
Provision (benefit) for income taxes	5,040			(808		)	1,752			1,947
Net income (loss)	$	24,442		$	(2,797	)	$	11,926		$	6,781
Less: Net income attributable to NCI	168			106			375			215
Net income (loss) attributable to UIHC	$	24,274		$	(2,903	)	$	11,551		$	6,566
OTHER COMPREHENSIVE INCOME:
Change in net unrealized gains on investments	28,332			10,633			24,222			24,955
Reclassification adjustment for net realized investment losses (gains)	(59		)	13			9			(168		)
Income tax expense related to items of other comprehensive income	(6,858		)	(2,429		)	(5,875		)	(5,888		)
Total comprehensive income	$	45,857		$	5,420		$	30,282		$	25,680
Less: Comprehensive income attributable to NCI	549			205			523			436
Comprehensive income attributable to UIHC	$	45,308		$	5,215		$	29,759		$	25,244

Weighted average shares outstanding
Basic	42,860,922			42,762,417			42,833,225			42,729,730
Diluted	43,055,115			42,762,417			43,041,623			43,097,244

Earnings available to UIHC common stockholders per share
Basic	$	0.57		$	(0.07	)	$	0.27		$	0.15
Diluted	$	0.56		$	(0.07	)	$	0.27		$	0.15

See accompanying Notes to Unaudited Condensed Consolidated Financial Statements.

Statements include related party transactions as detailed in Note 12.

UNITED INSURANCE HOLDINGS CORP.

Condensed Consolidated Statements of Stockholders’ Equity for the Three Months Ended

(Unaudited)



	Common Stock			Additional Paid-in Capital		Treasury Stock			Accumulated Other Comprehensive Income		Retained Earnings			Stockholders' Equity Attributable to UIHC			NCI		Total Stockholders’ Equity
	Number of Shares	Dollars
	Number of Shares	Dollars
March 31, 2019	43,008,729	$	4	$	390,042	$	(431	)	$	1,530	$	147,446		$	538,591		$	20,370	$	558,961
Net income (loss)	—	—		—		—			—		(2,903		)	(2,903		)	106		(2,797		)
Other comprehensive income, net	—	—		—		—			8,118		—			8,118			99		8,217
Stock Compensation	222,455	—		677		—			—		—			677			—		677
Cash dividends on common stock ($0.06 per common share)	—	—		—		—			—		(2,570		)	(2,570		)	—		(2,570		)
June 30, 2019	43,231,184	$	4	$	390,719	$	(431	)	$	9,648	$	141,973		$	541,913		$	20,575	$	562,488



	Common Stock			Additional Paid-in Capital		Treasury Stock			Accumulated Other Comprehensive Income		Retained Earnings			Stockholders' Equity Attributable to UIHC			NCI		Total Stockholders’ Equity
	Number of Shares	Dollars
	Number of Shares	Dollars
March 31, 2020	42,943,447	$	4	$	392,552	$	(431	)	$	8,493	$	84,838		$	485,456		$	20,701	$	506,157
Net income	—	—		—		—			—		24,274			24,274			168		24,442
Other comprehensive income, net	—	—		—		—			21,034		—			21,034			381		21,415
Stock Compensation	124,932	—		81		—			—		—			81			—		81
Cash dividends on common stock ($0.06 per common share)	—	—		—		—			—		(2,578		)	(2,578		)	—		(2,578		)
June 30, 2020	43,068,379	$	4	$	392,633	$	(431	)	$	29,527	$	106,534		$	528,267		$	21,250	$	549,517

See accompanying Notes to Unaudited Condensed Consolidated Financial Statements.

UNITED INSURANCE HOLDINGS CORP.

Condensed Consolidated Statements of Stockholders’ Equity For the Six Months Ended

(Unaudited)



	Common Stock			Additional Paid-in Capital		Treasury Stock			Accumulated Other Comprehensive Income (loss)			Retained Earnings			Stockholders' Equity Attributable to UIHC			NCI		Total Stockholders’ Equity
	Number of Shares	Dollars
	Number of Shares	Dollars
December 31, 2018	42,984,578	$	4	$	389,141	$	(431	)	$	(9,030	)	$	140,546		$	520,230		$	20,139	$	540,369
Net income	—	—		—		—			—			6,566			6,566			215		6,781
Other comprehensive income, net	—	—		—		—			18,678			—			18,678			221		18,899
Stock Compensation	246,606	—		1,578		—			—			—			1,578			—		1,578
Cash dividends on common stock ($0.12 per common share)	—	—		—		—			—			(5,139		)	(5,139		)	—		(5,139		)
June 30, 2019	43,231,184	$	4	$	390,719	$	(431	)	$	9,648		$	141,973		$	541,913		$	20,575	$	562,488



	Common Stock			Additional Paid-in Capital		Treasury Stock			Accumulated Other Comprehensive Income		Retained Earnings			Stockholders' Equity Attributable to UIHC			NCI		Total Stockholders’ Equity
	Number of Shares	Dollars
	Number of Shares	Dollars
December 31, 2019	43,028,074	$	4	$	391,852	$	(431	)	$	11,319	$	100,394		$	503,138		$	20,727	$	523,865
Net income	—	—		—		—			—		11,551			11,551			375		11,926
Other comprehensive income, net	—	—		—		—			18,208		—			18,208			148		18,356
Reclassification due to adoption of ASU 2016-13	—	—		—		—			—		(262		)	(262		)	—		(262		)
Stock Compensation	40,305	—		781		—			—		—			781			—		781
Cash dividends on common stock ($0.12 per common share)	—	—		—		—			—		(5,149		)	(5,149		)	—		(5,149		)
June 30, 2020	43,068,379	$	4	$	392,633	$	(431	)	$	29,527	$	106,534		$	528,267		$	21,250	$	549,517

See accompanying Notes to Unaudited Condensed Consolidated Financial Statements.

UNITED INSURANCE HOLDINGS CORP.

Condensed Consolidated Statements of Cash Flows (Unaudited)



	Six Months Ended June 30,
	2020			2019
OPERATING ACTIVITIES
Net income	$	11,926		$	6,781
Adjustments to reconcile net income (loss) to net cash used by operating activities:
Depreciation and amortization	4,746			4,649
Bond amortization and accretion	3,016			2,467
Net realized losses (gains) on investments	9			(168		)
Net unrealized losses (gains) on equity securities	5,904			(12,910		)
Provision for uncollectable premiums	213			62
Deferred income taxes, net	7,147			3,785
Stock based compensation	781			1,578
Changes in operating assets and liabilities:
Accrued investment income	86			(163		)
Premiums receivable	(26,798		)	(31,076		)
Reinsurance recoverable on paid and unpaid losses	63,075			117,203
Ceded unearned premiums	(228,804		)	(242,262		)
Deferred policy acquisition costs, net	(15,610		)	(19,080		)
Other assets	(11,504		)	(2,690		)
Unpaid losses and loss adjustment expenses	(76,886		)	(83,854		)
Unearned premiums	86,076			126,483
Reinsurance payable on premiums	294,676			287,571
Payments outstanding	(12,003		)	12,150
Accounts payable and accrued expenses	9,469			(9,523		)
Operating lease liability	2,045			397
Other liabilities	21,756			17,878
Net cash provided by operating activities	$	139,320		$	179,278
INVESTING ACTIVITIES
Proceeds from sales, maturities and repayments of:
Fixed maturities	99,195			132,029
Equity securities	7,341			1,690
Other investments	1,262			2,675
Purchases of:
Fixed maturities	(208,091		)	(112,031		)
Equity securities	(26,463		)	(6,514		)
Other investments	(4,524		)	(5,966		)
Cost of property, equipment and capitalized software acquired	(7,616		)	(6,231		)
Net cash provided by (used in) investing activities	$	(138,896	)	$	5,652
FINANCING ACTIVITIES
Repayments of borrowings	(762		)	(762		)
Dividends	(5,149		)	(5,139		)
Net cash used in financing activities	$	(5,911	)	$	(5,901	)
Increase (decrease) in cash, cash equivalents and restricted cash	(5,487		)	179,029
Cash, cash equivalents and restricted cash at beginning of period	287,057			184,120
Cash, cash equivalents and restricted cash at end of period	$	281,570		$	363,149
Supplemental Cash Flows Information
Interest paid	$	4,793		$	4,888
Income taxes paid	$	878		$	164

See accompanying Notes to Unaudited Condensed Consolidated Financial Statements.

UNITED INSURANCE HOLDINGS CORP.

Notes to Unaudited Condensed Consolidated Financial Statements

June 30, 2020

1) ORGANIZATION, CONSOLIDATION AND PRESENTATION

(a)Business

United Insurance Holdings Corp. (referred to in this document as we, our, us, the Company or UPC Insurance) is a property and casualty insurance holding company that sources, writes and services residential personal and commercial property and casualty insurance policies using a network of agents, four wholly-owned insurance subsidiaries, and one majority-owned insurance subsidiary. Our largest insurance subsidiary is United Property & Casualty Insurance Company (UPC), which was formed in Florida in 1999 and has operated continuously since that time. Our four other insurance subsidiaries are Family Security Insurance Company, Inc. (FSIC), acquired via merger on February 3, 2015; Interboro Insurance Company (IIC), acquired via merger on April 29, 2016; American Coastal Insurance Company (ACIC), acquired via merger on April 3, 2017; and Journey Insurance Company (JIC). JIC was formed in strategic partnership with a subsidiary of Tokio Marine Kiln Group Limited (Kiln) on August 30, 2018. The Kiln subsidiary holds a noncontrolling interest in JIC.

Our other subsidiaries include United Insurance Management, L.C. (UIM), a managing general agent that manages

substantially all aspects of UPC and FSIC's business; Skyway Claims Services, LLC, which provides claims adjusting services to UPC, FSIC and IIC; AmCo Holding Company, LLC (AmCo) and Family Security Holdings, LLC (FSH), which are holding company subsidiaries that consolidate their respective insurance companies; BlueLine Cayman Holdings (BlueLine), which reinsures portfolios of excess and surplus policies; UPC Re, which provides a portion of the reinsurance protection purchased by our insurance subsidiaries when needed; and Skyway Reinsurance Services, LLC, which provides reinsurance brokerage services for our insurance companies.

Our primary product is homeowners' insurance, which we currently offer in 12 states, under authorization from the insurance regulatory authorities in each state. In addition, we write commercial residential insurance in the state of Florida. We are also licensed to write property and casualty insurance in an additional six states; however, we have not commenced writing in these states.

We conduct our operations under one reportable segment, property and casualty insurance policies. Our chief operating decision maker is our President, who makes decisions to allocate resources and assesses performance at the corporate level.

(b)Consolidation and Presentation

We prepare our unaudited condensed consolidated interim financial statements in conformity with U.S. generally accepted accounting principles (GAAP). We have condensed or omitted certain information and footnote disclosures normally included in the annual consolidated financial statements presented in accordance with GAAP. In management's opinion, the accompanying unaudited condensed consolidated financial statements reflect all adjustments, including normal recurring items, considered necessary for a fair presentation of interim periods. We include all of our subsidiaries in our consolidated financial statements, eliminating intercompany balances and transactions during consolidation. Our unaudited condensed consolidated interim financial statements and footnotes should be read in conjunction with our consolidated financial statements and footnotes in our Annual Report on Form 10-K for the year ended December 31, 2019.

While preparing our unaudited condensed consolidated financial statements, we make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities at the date of the unaudited condensed consolidated financial statements, as well as reported amounts of revenues and expenses during the reporting period. Accordingly, actual results could differ from those estimates. Reported amounts that require us to make extensive use of estimates include our reserves for unpaid losses and loss adjustment expenses, investments and goodwill. Except for the captions on our Unaudited Condensed Consolidated Balance Sheets and Unaudited Condensed Consolidated Statements of Comprehensive Income, we generally use the term loss(es) to collectively refer to both loss and loss adjustment expenses.

We reclassified certain amounts in the 2019 financial statements to conform to the 2020 presentation, including reclassifying the presentation of "outstanding checks in excess of funds on deposit" in the financing section of the Unaudited Condensed Consolidated Statements of Cash Flows to "changes in operating assets and liabilities: payments outstanding" in the operating section, to provide the users of the financial statements with more transparency. These reclassifications had no impact on our results of operations or stockholders' equity, as previously reported.

Our results of operations and our cash flows as of the end of the interim periods reported herein do not necessarily indicate our results for the remainder of the year or for any other future period.

UNITED INSURANCE HOLDINGS CORP.

Notes to Unaudited Condensed Consolidated Financial Statements

June 30, 2020

Price	13.61	EPS	-1
Shares	43	P/E	-18
MCap	588	P/FCF	3
Net Debt	-183	EBIT	-31
TEV	405	TEV/EBIT	-13
TTM 2019-09-30, in MM, except price, ratios

10-Q	2020-06-30	Filed 2020-08-10
10-Q	2020-03-31	Filed 2020-05-08
10-K	2019-12-31	Filed 2020-03-12
10-Q	2019-09-30	Filed 2019-11-05
10-Q	2019-06-30	Filed 2019-08-02
10-Q	2019-03-31	Filed 2019-05-10
10-K	2018-12-31	Filed 2019-03-18
10-Q	2018-09-30	Filed 2018-11-07
10-Q	2018-06-30	Filed 2018-08-03
10-Q	2018-03-31	Filed 2018-05-09
10-K	2017-12-31	Filed 2018-03-28
10-Q	2017-09-30	Filed 2017-11-08
10-Q	2017-06-30	Filed 2017-08-09
10-Q	2017-03-31	Filed 2017-05-10
10-K	2016-12-31	Filed 2017-03-15
10-Q	2016-09-30	Filed 2016-11-09
10-Q	2016-06-30	Filed 2016-08-09
10-Q	2016-03-31	Filed 2016-05-04
10-K	2015-12-31	Filed 2016-03-02
10-Q	2015-09-30	Filed 2015-11-05
10-Q	2015-06-30	Filed 2015-08-06
10-Q	2015-03-31	Filed 2015-05-07
10-K	2014-12-31	Filed 2015-02-25
10-Q	2014-09-30	Filed 2014-11-04
10-Q	2014-06-30	Filed 2014-08-04
10-Q	2014-03-31	Filed 2014-05-01
10-K	2013-12-31	Filed 2014-02-24
10-Q	2013-09-30	Filed 2013-11-07
10-Q	2013-06-30	Filed 2013-08-08
10-Q	2013-03-31	Filed 2013-05-08
10-K	2012-12-31	Filed 2013-03-06
10-Q	2012-09-30	Filed 2012-11-14
10-Q	2012-06-30	Filed 2012-08-08
10-Q	2012-03-31	Filed 2012-05-09
10-K	2011-12-31	Filed 2012-03-14
10-Q	2011-09-30	Filed 2011-11-09
10-Q	2011-06-30	Filed 2011-08-15
10-Q	2011-03-31	Filed 2011-05-11
10-K	2010-12-31	Filed 2011-03-17
10-Q	2010-09-30	Filed 2010-11-10
10-Q	2010-06-30	Filed 2010-08-09
10-Q	2010-03-31	Filed 2010-05-12
10-K	2009-12-31	Filed 2010-03-25

8-K	2020-08-05	Earnings, Regulation FD, Exhibits
8-K	2020-06-29	Officers, Regulation FD, Exhibits
8-K	2020-06-18
8-K	2020-06-01
8-K	2020-05-06
8-K	2020-05-06
8-K	2020-04-23
8-K	2020-02-20
8-K	2020-01-09
8-K	2019-10-30
8-K	2019-07-31
8-K	2019-06-04
8-K	2019-05-07
8-K	2019-05-07
8-K	2019-04-01
8-K	2019-02-19
8-K	2019-01-04
8-K	2018-11-01
8-K	2018-10-10
8-K	2018-09-12
8-K	2018-08-01
8-K	2018-06-01
8-K	2018-05-10
8-K	2018-05-08
8-K	2018-05-08
8-K	2018-04-20
8-K	2018-03-05
8-K	2018-02-21
8-K	2018-01-12
8-K	2018-01-05

EX-31.1	exh31130jun20.htm
EX-31.2	exh31230jun20.htm
EX-32.1	exh32130jun20.htm
EX-32.2	exh32230jun20.htm

800 2nd Avenue S,

St. Petersburg,

(Address of Principal Executive Offices)

(Zip Code)