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Subsidiary Dividend Restrictions	12 Months Ended
	Dec. 31, 2014
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Subsidiary Dividend Restrictions	NOTE 18 Subsidiary Dividend Restrictions Under the insurance regulations of Texas, the maximum amount of ordinary dividends that WNFIC can pay to shareholders in a rolling twelve month period is limited to the greater of 10% of statutory adjusted capital and surplus as shown on WNFIC’s last annual statement on file with the superintendent or 100% of adjusted net income. As an extraordinary dividend of $7.0 million was paid on May 20, 2014, no ordinary dividend may be paid until May 21, 2015. Thereafter, the maximum dividend payout that may be made in 2015 without prior approval is $2.3 million.

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Describes the restrictions that WNFIC has in relation to paying cash dividends to its common shareholders.

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