b'COMBINED FINANCIAL OVERVIEWFor the year ended December 31, 20222022 2021$ $(in thousands of Canadian dollars)INCOMEWritten premiums 1,063,000 993,000Net premiums earned 982,000 935,000Indemnities to insureds (540,000) (399,000)Net cost (359,000) (330,000)Insurance earnings 83,000 206 000(Net losses) net income from investments and other (9,000) 26,000Dividends to members and communities - (32,000)Earnings before income taxes 74,000 200,000Income taxes (15,000) (51,000)Net income 59,000 149,000Revaluation of pension plans 48,000 38,000Other comprehensive income (79,000) 42,000Comprehensive income 28,000 229,0002 4 2 A nnua l 2 Re or t | p 20'