NI Holdings Q4 net income $9.8M; full-year combined ratio 100.7% from Non-Standard Auto weakness

NI Holdings, Inc.

Q4 net income attributable $9.8M ($0.47 EPS); continuing ops net income fell 48.7% YoY to $9.8M.
Full-year combined ratio 100.7% vs 97.0%, driven by Non-Standard Auto reserve development and Home and Farm loss severity.
Net investment income increased 36.2% to $10.9M on higher fixed income reinvestment rates.
Direct written premiums Q4 down 7.9% to $73.1M; full year up 0.3% to $342.3M.
Management executing aggressive strategic actions in Non-Standard Auto to reduce earnings volatility.

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