0001193125-12-449067.txt : 20121102 0001193125-12-449067.hdr.sgml : 20121102 20121102160316 ACCESSION NUMBER: 0001193125-12-449067 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 10 CONFORMED PERIOD OF REPORT: 20120930 FILED AS OF DATE: 20121102 DATE AS OF CHANGE: 20121102 FILER: COMPANY DATA: COMPANY CONFORMED NAME: MARLIN BUSINESS SERVICES CORP CENTRAL INDEX KEY: 0001260968 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 383686388 FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 000-50448 FILM NUMBER: 121176820 BUSINESS ADDRESS: STREET 1: 300 FELLOWSHIP ROAD CITY: MT. LAUREL STATE: NJ ZIP: 08054 BUSINESS PHONE: 8884799111 MAIL ADDRESS: STREET 1: 300 FELLOWSHIP ROAD CITY: MT. LAUREL STATE: NJ ZIP: 08054 FORMER COMPANY: FORMER CONFORMED NAME: MARLIN BUSINESS SERVICES INC DATE OF NAME CHANGE: 20030822 10-Q 1 d431483d10q.htm FORM 10-Q Form 10-Q
Table of Contents

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 September 30, 2012

Commission file number 000-50448

MARLIN BUSINESS SERVICES CORP.

(Exact name of registrant as specified in its charter)

 

Pennsylvania   38-3686388
(State of incorporation)   (I.R.S. Employer Identification Number)

300 Fellowship Road, Mount Laurel, NJ 08054

(Address of principal executive offices)

(Zip code)

(888) 479-9111

(Registrant’s telephone number, including area code)

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  x    No  ¨

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that registrant was required to submit and post such files.)    Yes  x    No  ¨

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

 

Large accelerated filer   ¨    Accelerated filer   x
Non-accelerated filer   ¨  (Do not check if a smaller reporting company)    Smaller reporting company   ¨

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Securities Exchange Act of 1934).     Yes  ¨    No  x

At October 25, 2012, 12,742,354 shares of Registrant’s common stock, $.01 par value, were outstanding.


Table of Contents

MARLIN BUSINESS SERVICES CORP. AND SUBSIDIARIES

Quarterly Report on Form 10-Q

for the Quarter Ended September 30, 2012

TABLE OF CONTENTS

 

     Page No.  

Part I – Financial Information

     2   

Item 1     Condensed Consolidated Financial Statements (Unaudited)

     2   

Condensed Consolidated Balance Sheets at September 30, 2012 and December 31, 2011

     2   

Condensed Consolidated Statements of Operations for the three- and nine-month periods ended September 30, 2012 and 2011

     3   

Condensed Consolidated Statements of Comprehensive Income for the three- and nine-month periods ended September 30, 2012 and 2011

     4   

Condensed Consolidated Statements of Stockholders’ Equity for the nine-month period ended September 30, 2012 and the year ended December 31, 2011

     5   

Condensed Consolidated Statements of Cash Flows for the nine-month periods ended September 30, 2012 and 2011

     6   

Notes to Unaudited Condensed Consolidated Financial Statements

     7   

Item 2      Management’s Discussion and Analysis of Financial Condition and Results of Operations

     25   

Item 3     Quantitative and Qualitative Disclosures about Market Risk

     50   

Item 4     Controls and Procedures

     50   

Part II – Other Information

     50   

Item 1     Legal Proceedings

     50   

Item 1A  Risk Factors

     50   

Item 2     Unregistered Sales of Equity Securities and Use of Proceeds

     51   

Item 3     Defaults upon Senior Securities

     51   

Item 4     Mine Safety Disclosures

     51   

Item 5     Other Information

     51   

Item 6     Exhibits

     52   

Signatures

     53   

Certifications

  
RULE 13a-14(a) CERTIFICATION OF CHIEF EXECUTIVE OFFICER   
RULE 13a-14(a) CERTIFICATION OF CHIEF FINANCIAL OFFICER   
RULE 13a-14(b) CERTIFICATION OF CHIEF EXECUTIVE OFFICER AND CHIEF FINANCIAL OFFICER   

 

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Table of Contents

PART I. Financial Information

 

Item 1. Condensed Consolidated Financial Statements

MARLIN BUSINESS SERVICES CORP.

AND SUBSIDIARIES

Condensed Consolidated Balance Sheets

(Unaudited)

 

     September 30,     December 31,  
     2012     2011  
    

(Dollars in thousands, except per-

share data)

 

ASSETS

    

Cash and due from banks

   $ 897     $ 1,035  

Interest-earning deposits with banks

     69,128       41,250  
  

 

 

   

 

 

 

Total cash and cash equivalents

     70,025       42,285  

Restricted interest-earning deposits with banks (includes $6.3 million and $24.3 million at September 30, 2012 and December 31, 2011, respectively, related to consolidated variable interest entities (“VIEs”))

     10,747       28,637  

Securities available for sale (amortized cost of $3.2 million and $1.7 million at

    

September 30, 2012 and December 31, 2011, respectively)

     3,346       1,780  

Net investment in leases and loans (includes $13.9 million and $60.0 million at September 30, 2012 and December 31, 2011, respectively, related to consolidated VIEs)

     472,059       387,840  

Property and equipment, net

     2,062       2,052  

Property tax receivables

     43       265  

Other assets

     20,755       23,110  
  

 

 

   

 

 

 

Total assets

   $ 579,037     $ 485,969  
  

 

 

   

 

 

 

LIABILITIES AND STOCKHOLDERS’ EQUITY

    

Deposits

   $ 341,993     $ 198,579  

Long-term borrowings (includes $5.8 million and $45.1 million at September 30, 2012 and December 31, 2011, respectively, related to consolidated VIEs)

     33,083       92,004  

Other liabilities:

    

Sales and property taxes payable

     4,537       2,169  

Accounts payable and accrued expenses

     10,764       8,791  

Net deferred income tax liability

     17,161       20,325  
  

 

 

   

 

 

 

Total liabilities

     407,538       321,868  
  

 

 

   

 

 

 

Commitments and contingencies (Note 6)

    

Stockholders’ equity:

    

Common Stock, $0.01 par value; 75,000,000 shares authorized; 12,740,504 and 12,760,266 shares issued and outstanding at September 30, 2012 and December 31, 2011, respectively

     127       128  

Preferred Stock, $0.01 par value; 5,000,000 shares authorized; none issued

     —          —     

Additional paid-in capital

     87,361       85,544  

Stock subscription receivable

     (2     (2

Accumulated other comprehensive income

     66       1  

Retained earnings

     83,947       78,430  
  

 

 

   

 

 

 

Total stockholders’ equity

     171,499       164,101  
  

 

 

   

 

 

 

Total liabilities and stockholders’ equity

   $ 579,037     $ 485,969  
  

 

 

   

 

 

 

The accompanying notes are an integral part of the unaudited condensed consolidated financial statements.

 

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Table of Contents

MARLIN BUSINESS SERVICES CORP.

AND SUBSIDIARIES

Condensed Consolidated Statements of Operations

(Unaudited)

 

     Three Months Ended September 30,     Nine Months Ended September 30,  
     2012      2011     2012     2011  
     (Dollars in thousands, except per-share data)  

Interest income

   $ 13,688      $ 11,073     $ 38,571     $ 32,836  

Fee income

     2,966        3,105       8,854       9,163  
  

 

 

    

 

 

   

 

 

   

 

 

 

Interest and fee income

     16,654        14,178       47,425       41,999  

Interest expense

     1,496        2,706       5,417       9,061  
  

 

 

    

 

 

   

 

 

   

 

 

 

Net interest and fee income

     15,158        11,472       42,008       32,938  

Provision for credit losses

     1,414        837       3,546       2,940  
  

 

 

    

 

 

   

 

 

   

 

 

 

Net interest and fee income after provision for credit losses

     13,744        10,635       38,462       29,998  
  

 

 

    

 

 

   

 

 

   

 

 

 

Other income:

         

Insurance income

     1,029        761       3,059       2,690  

Gain (loss) on derivatives

     1        (8     (1     (52

Other income

     452        574       1,119       1,290  
  

 

 

    

 

 

   

 

 

   

 

 

 

Other income

     1,482        1,327       4,177       3,928  
  

 

 

    

 

 

   

 

 

   

 

 

 

Other expense:

         

Salaries and benefits

     5,988        5,559       18,683       16,880  

General and administrative

     3,390        3,226       10,174       9,842  

Financing related costs

     250        177       637       523  
  

 

 

    

 

 

   

 

 

   

 

 

 

Other expense

     9,628        8,962       29,494       27,245  
  

 

 

    

 

 

   

 

 

   

 

 

 

Income before income taxes

     5,598        3,000       13,145       6,681  

Income tax expense

     2,183        1,169       5,093       2,566  
  

 

 

    

 

 

   

 

 

   

 

 

 

Net income

   $ 3,415      $ 1,831     $ 8,052     $ 4,115  
  

 

 

    

 

 

   

 

 

   

 

 

 

Basic earnings per share

   $ 0.27      $ 0.14     $ 0.63     $ 0.32  

Diluted earnings per share

   $ 0.27      $ 0.14     $ 0.63     $ 0.32  

Cash dividends declared per share

   $ 0.08      $ —        $ 0.20     $ —     

The accompanying notes are an integral part of the unaudited condensed consolidated financial statements.

 

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Table of Contents

MARLIN BUSINESS SERVICES CORP.

AND SUBSIDIARIES

Condensed Consolidated Statements of Comprehensive Income

(Unaudited)

 

     Three Months Ended September 30,     Nine Months Ended September 30,  
     2012     2011     2012     2011  
     (Dollars in thousands)  

Net income

   $ 3,415     $ 1,831     $ 8,052     $ 4,115  
  

 

 

   

 

 

   

 

 

   

 

 

 

Other comprehensive income:

        

Amortization of net deferred losses on cash flow hedge derivatives

     —          34       53       138  

Increase (decrease) in fair value of securities available for sale

     26       41       55       57  

Tax effect

     (11     (29     (43     (77
  

 

 

   

 

 

   

 

 

   

 

 

 

Total other comprehensive income

     15       46       65       118  
  

 

 

   

 

 

   

 

 

   

 

 

 

Comprehensive income

   $ 3,430     $ 1,877     $ 8,117     $ 4,233  
  

 

 

   

 

 

   

 

 

   

 

 

 

The accompanying notes are an integral part of the unaudited condensed consolidated financial statements.

 

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Table of Contents

MARLIN BUSINESS SERVICES CORP.

AND SUBSIDIARIES

Condensed Consolidated Statements of Stockholders’ Equity

(Unaudited)

 

     Common
Shares
    Common
Stock
Amount
    Additional
Paid-In
Capital
    Stock
Subscription
Receivable
    Accumulated
Other
Comprehensive
Income (Loss)
    Retained
Earnings
    Total
Stockholders’
Equity
 
     (Dollars in thousands)  

Balance, December 31, 2010

     12,864,665     $ 129     $ 86,987     $ (2   $ (132   $ 73,021     $ 160,003  

Issuance of common stock

     14,597       —          172       —          —          —          172  

Repurchase of common stock

     (544,766     (6     (6,443     —          —          —          (6,449

Exercise of stock options

     169,611       2       1,232       —          —          —          1,234  

Tax benefit on stock options exercised

     —          —          260       —          —          —          260  

Stock option compensation recognized

     —          —          96       —          —          —          96  

Restricted stock grant

     256,159       3       (3     —          —          —          —     

Restricted stock compensation recognized

     —          —          3,243       —          —          —          3,243  

Net change related to derivatives, net of tax

     —          —          —          —          97       —          97  

Net change in unrealized gain/loss on securities available for sale, net of tax

     —          —          —          —          36       —          36  

Net income

     —          —          —          —          —          6,175       6,175  

Cash dividends paid

     —          —          —          —          —          (766     (766
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Balance, December 31, 2011

     12,760,266     $ 128     $ 85,544     $ (2   $ 1     $ 78,430     $ 164,101  

Repurchase of common stock

     (110,915     (1     (1,571     —          —          —          (1,572

Exercise of stock options

     32,963       —          279       —          —          —          279  

Tax benefit on stock options exercised

     —          —          113       —          —          —          113  

Stock option compensation recognized

     —          —          29       —          —          —          29  

Restricted stock grant

     58,190       —          —          —          —          —          —     

Restricted stock compensation recognized

     —          —          2,967       —          —          —          2,967  

Net change related to derivatives, net of tax

     —          —          —          —          32       —          32  

Net change in unrealized gain/loss on securities available for sale, net of tax

     —          —          —          —          33       —          33  

Net income

     —          —          —          —          —          8,052       8,052  

Cash dividends paid

     —          —          —          —          —          (2,535     (2,535
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Balance, September 30, 2012

     12,740,504     $ 127     $ 87,361     $ (2   $ 66     $ 83,947     $ 171,499  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

The accompanying notes are an integral part of the unaudited condensed consolidated financial statements.

 

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Table of Contents

MARLIN BUSINESS SERVICES CORP.

AND SUBSIDIARIES

Condensed Consolidated Statements of Cash Flows

(Unaudited)

 

     Nine Months Ended September 30,  
     2012     2011  
     (Dollars in thousands)  

Cash flows from operating activities:

    

Net income

   $ 8,052     $ 4,115  

Adjustments to reconcile net income to net cash provided by operating activities:

    

Depreciation and amortization

     1,642       1,905  

Stock-based compensation

     2,210       2,033  

Excess tax benefits from stock-based payment arrangements

     (900     (627

Amortization of deferred net losses on cash flow hedge derivatives

     53       138  

Change in fair value of derivatives

     1       52  

Provision for credit losses

     3,546       2,940  

Net deferred income taxes

     (3,207     (1,100

Amortization of deferred initial direct costs and fees

     4,117       3,914  

Deferred initial direct costs and fees

     (5,853     (4,004

Loss on equipment disposed

     2,420       2,154  

Effect of changes in other operating items:

    

Other assets

     2,700       3,416  

Other liabilities

     4,481       2,970  
  

 

 

   

 

 

 

Net cash provided by operating activities

     19,262       17,906  
  

 

 

   

 

 

 

Cash flows from investing activities:

    

Purchases of equipment for direct financing lease contracts and funds used to originate loans

     (234,493     (160,627

Principal collections on leases and loans

     142,866       138,085  

Security deposits collected, net of refunds

     (210     (1,574

Proceeds from the sale of equipment

     3,388       3,681  

Acquisitions of property and equipment

     (808     (706

Change in restricted interest-earning deposits with banks

     17,890       17,688  

Purchases of securities available for sale

     (1,511     (176
  

 

 

   

 

 

 

Net cash provided by (used in) investing activities

     (72,878     (3,629
  

 

 

   

 

 

 

Cash flows from financing activities:

    

Increase in deposits

     143,414       64,479  

Term securitization repayments

     (39,330     (68,398

Warehouse and bank facility advances

     11,891       37,681  

Warehouse and bank facility repayments

     (31,482     (32,844

Issuances of common stock

     —          101  

Repurchases of common stock

     (1,572     (5,578

Dividends paid

     (2,535     —     

Exercise of stock options

     279       988  

Excess tax benefits from stock-based payment arrangements

     900       627  

Debt issuance costs

     (209     (14
  

 

 

   

 

 

 

Net cash provided by (used in) financing activities

     81,356       (2,958
  

 

 

   

 

 

 

Net increase in total cash and cash equivalents

     27,740       11,319  

Total cash and cash equivalents, beginning of period

     42,285       37,026  
  

 

 

   

 

 

 

Total cash and cash equivalents, end of period

   $ 70,025     $ 48,345  
  

 

 

   

 

 

 

Supplemental disclosures of cash flow information:

    

Cash paid for interest on deposits and borrowings

   $ 4,475     $ 7,983  

Net cash paid for income taxes

   $ 4,849     $ 231  

The accompanying notes are an integral part of the unaudited condensed consolidated financial statements.

 

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Table of Contents

MARLIN BUSINESS SERVICES CORP. AND SUBSIDIARIES

NOTES TO UNAUDITED CONDENSED CONSOLIDATED FINANCIAL STATEMENTS

NOTE 1 – The Company

Description

Through its principal operating subsidiary, Marlin Leasing Corporation, Marlin Business Services Corp. provides equipment financing solutions nationwide, primarily to small and mid-sized businesses in a segment of the equipment leasing market commonly referred to in the industry as the “small-ticket” segment. The Company finances over 100 categories of commercial equipment important to its end user customers, including copiers, security systems, computers, telecommunications equipment and certain commercial and industrial equipment. Effective March 12, 2008, the Company opened Marlin Business Bank (“MBB”), a commercial bank chartered by the State of Utah and a member of the Federal Reserve System. MBB serves as the Company’s primary funding source through its issuance of Federal Deposit Insurance Corporation (“FDIC”)-insured certificates of deposit. Marlin Business Services Corp. is managed as a single business segment. Marlin Business Services Corp. is a bank holding company and a financial holding company regulated by the Federal Reserve Board under the Bank Holding Company Act.

References to the “Company,” “Marlin,” “Registrant,” “we,” “us” and “our” herein refer to Marlin Business Services Corp. and its wholly-owned subsidiaries, unless the context otherwise requires.

NOTE 2 – Summary of Critical Accounting Policies

Basis of financial statement presentation. The unaudited condensed consolidated financial statements include the accounts of the Company and its wholly-owned subsidiaries. Marlin Business Services Corp. is managed as a single business segment. All intercompany accounts and transactions have been eliminated in consolidation.

In the opinion of management, the accompanying unaudited condensed consolidated financial statements contain all adjustments (consisting of normal recurring items) necessary to present fairly the Company’s financial position at September 30, 2012 and the results of operations for the three- and nine-month periods ended September 30, 2012 and 2011, and cash flows for the nine-month periods ended September 30, 2012 and 2011. These unaudited condensed consolidated financial statements should be read in conjunction with the consolidated financial statements and note disclosures included in the Company’s Form 10-K filed with the Securities and Exchange Commission (“SEC”) on March 8, 2012. The consolidated results of operations for the three- and nine-month periods ended September 30, 2012 and 2011 and the consolidated statements of cash flows for the nine-month periods ended September 30, 2012 and 2011 are not necessarily indicative of the results for the respective full years or any other period.

Use of estimates. The preparation of financial statements in accordance with generally accepted accounting principles in the United States (“U.S. GAAP”) requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Estimates are used when accounting for income recognition, the residual values of leased equipment, the allowance for credit losses, deferred initial direct costs and fees, late fee receivables, the fair value of financial instruments and income taxes. Actual results could differ from those estimates.

Interest income. Interest income is recognized under the effective interest method. The effective interest method of income recognition applies a constant rate of interest equal to the internal rate of return on each lease. Generally, when a lease or loan is 90 days or more delinquent, the contract is classified as non-accrual, and we do not recognize interest income on that contract until it is less than 90 days delinquent.

Modifications to leases are accounted for in accordance with Topic 840 of the Financial Accounting Standards Board Accounting Standards Codification (“FASB ASC”). Modifications resulting in renegotiated leases may include reductions in payment and extensions in term. However, such renegotiated leases are not granted concessions regarding implicit rates or reductions in total amounts due. Modifications may be granted on a one-time basis in situations that indicate the lessee is experiencing a temporary, timing issue and has a high likelihood of success with a revised payment plan. After a modification, a lease’s accrual status is based on compliance with the modified terms.

 

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Table of Contents

Fee income. Fee income consists of fees for delinquent lease and loan payments, cash collected on early termination of leases and net residual income. Net residual income includes income from lease renewals and gains and losses on the realization of residual values of leased equipment disposed of at the end of a lease’s term. Residual income is recognized as earned.

Fee income from delinquent lease payments is recognized on an accrual basis based on anticipated collection rates. At a minimum of every quarter, an analysis of anticipated collection rates is performed based on updates to collection history. Adjustments in the anticipated collection rate assumptions are made as needed based on this analysis. Other fees are recognized when received.

Insurance income. Insurance income is recognized on an accrual basis as earned over the term of each lease. Generally, insurance payments that are 120 days or more past due are charged against income. Ceding commissions, losses and loss adjustment expenses are recorded in the period incurred and netted against insurance income.

Other income. Other income is recognized when earned and includes various administrative transaction fees and fees received from lease syndications.

Securities available for sale. Securities available for sale consist of mutual funds. Securities available for sale are measured at fair value on a recurring basis, computed using fair value measurements classified as Level 1 (as defined in Note 9, Fair Value Measurements and Disclosures about the Fair Value of Financial Instruments), since prices are obtained from quoted prices in an active market. Unrealized holding gains or losses, net of related deferred income taxes, are reported in accumulated other comprehensive income.

Initial direct costs and fees. We defer initial direct costs incurred and fees received to originate our leases and loans in accordance with the Receivables Topic and the Nonrefundable Fees and Other Costs Subtopic of the FASB ASC. The initial direct costs and fees we defer are part of the net investment in leases and loans and are amortized to interest income using the effective interest method. We defer third-party commission costs, as well as certain internal costs directly related to the origination activity. Costs subject to deferral include evaluating each prospective customer’s financial condition, evaluating and recording guarantees and other security arrangements, negotiating terms, preparing and processing documents and closing each transaction. The fees we defer are documentation fees collected at inception. The realization of the initial direct costs, net of fees deferred, is predicated on the net future cash flows generated by our lease and loan portfolios.

Net investment in leases and loans. As required by U.S. GAAP, the Company uses the direct finance method of accounting to record its direct financing leases and related interest income. At the inception of a lease, the Company records as an asset the aggregate future minimum lease payments receivable, plus the estimated residual value of the leased equipment, less unearned lease income. Residual values generally reflect the estimated amounts to be received at lease termination from lease extensions, sales or other dispositions of leased equipment. Estimates are based on industry data and management’s experience.

The Company records an estimated residual value at lease inception for all fair market value and fixed purchase option leases based on a percentage of the equipment cost of the asset being leased. The percentages used depend on equipment type and term. In setting and reviewing estimated residual values, the Company focuses its analysis primarily on total historical and expected realization statistics pertaining to both lease renewals and sales of equipment.

At the end of an original lease term, lessees may choose to purchase the equipment, renew the lease or return the equipment to the Company. The Company receives income from lease renewals when the lessee elects to retain the equipment longer than the original term of the lease. This income, net of appropriate periodic reductions in the estimated residual values of the related equipment, is included in fee income as net residual income.

When a lessee elects to return equipment at lease termination, the equipment is transferred to other assets at the lower of its basis or fair market value. The Company generally sells returned equipment to independent third parties, rather than leasing the equipment a second time. The Company does not maintain equipment in other assets for longer than 120 days. Any loss recognized on transferring equipment to other assets and any gain or loss realized on the sale or disposal of equipment to a lessee or to others is included in fee income as net residual income.

Based on the Company’s experience, the amount of ultimate realization of the residual value tends to relate more to the customer’s election at the end of the lease term to enter into a renewal period, to purchase the leased equipment or to return the leased equipment than it does to the equipment type. Management performs periodic reviews of the estimated residual values and historic realization statistics no less frequently than quarterly and any impairment, if other than temporary, is recognized in the current period.

 

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Initial direct costs and fees related to lease originations are deferred as part of the investment and amortized over the lease term. Unearned lease income is the amount by which the total lease receivable plus the estimated residual value exceeds the cost of the equipment. Unearned lease income, net of initial direct costs and fees, is recognized as revenue over the lease term using the effective interest method.

Allowance for credit losses. In accordance with the Contingencies Topic of the FASB ASC, we maintain an allowance for credit losses at an amount sufficient to absorb losses inherent in our existing lease and loan portfolios as of the reporting dates based on our projection of probable net credit losses. We evaluate our portfolios on a pooled basis, due to their composition of small balance, homogenous accounts with similar general credit risk characteristics, diversified among a large cross-section of variables, including industry, geography, equipment type, obligor and vendor.

We consider both quantitative and qualitative factors in determining the allowance for credit losses. Quantitative factors considered include a migration analysis stratified by industry classification, historic delinquencies and charge-offs, and a static pool analysis of historic recoveries. A migration analysis is a technique used to estimate the likelihood that an account will progress through the various delinquency stages and ultimately charge off. Qualitative factors that may result in further adjustments to the quantitative analysis include items such as forecasting uncertainties, changes in the composition of our lease and loan portfolios (including geography, industry, equipment type and vendor source), seasonality, economic or business conditions and emerging trends, business practices or policies at the reporting date that are different from the periods used in the quantitative analysis.

The various factors used in the analysis are reviewed periodically, and no less frequently than quarterly. We then establish an allowance for credit losses for the projected probable net credit losses inherent in the portfolio based on this analysis. A provision is charged against earnings to maintain the allowance for credit losses at the appropriate level. Our policy is to charge-off against the allowance the estimated unrecoverable portion of accounts once they reach 121 days delinquent.

Our projections of probable net credit losses are inherently uncertain, and as a result we cannot predict with certainty the amount of such losses. Changes in economic conditions, the risk characteristics and composition of the portfolio, bankruptcy laws, and other factors could impact our actual and projected net credit losses and the related allowance for credit losses. To the extent we add new leases and loans to our portfolios, or to the degree credit quality is worse than expected, we record expense to increase the allowance for credit losses to reflect the estimated net losses inherent in our portfolios. Actual losses may vary from current estimates.

Securitizations. In connection with each of its term note securitization transactions, the Company established a bankruptcy remote special-purpose subsidiary (“SPE”) and issued term debt to institutional investors. These SPEs are considered VIEs under U.S. GAAP. The Company is required to consolidate VIEs in which it is deemed to be the primary beneficiary through having (1) power over the significant activities of the entity and (2) an obligation to absorb losses or the right to receive benefits from the VIE which are potentially significant to the VIE. The Company continues to service the assets of its VIEs and retain equity and/or residual interests. Accordingly, assets and related debt of these VIEs are included in the accompanying Consolidated Balance Sheets. The Company’s leases and restricted interest-earning deposits with banks are assigned as collateral for these borrowings and there is no further recourse to our general credit. Collateral in excess of these borrowings represents the Company’s maximum loss exposure.

Common stock and equity. On November 2, 2007, the Company’s Board of Directors approved a stock repurchase plan. Under the stock repurchase plan, the Company is authorized to repurchase its common stock on the open market. The par value of the shares repurchased is charged to common stock with the excess of the purchase price over par charged against any available additional paid-in capital.

Stock-based compensation. The Compensation—Stock Compensation Topic of the FASB ASC establishes fair value as the measurement objective in accounting for share-based payment arrangements and requires all entities to apply a fair-value-based measurement method in accounting for share-based payment transactions with employees and non-employees, except for equity instruments held by employee share ownership plans.

The Company measures stock-based compensation cost at grant date, based on the fair value of the awards ultimately expected to vest. Stock-based compensation expense is recognized on a straight-line basis over the service period. We generally use the Black-Scholes valuation model to measure the fair value of our stock options utilizing various assumptions with respect to expected holding period, risk-free interest rates, stock price volatility and dividend yield. The assumptions are based on management’s judgment concerning future events.

 

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As required by U.S. GAAP, the Company uses its judgment in estimating the amount of awards that are expected to be forfeited, with subsequent revisions to the assumptions if actual forfeitures differ from those estimates. The vesting of certain restricted shares may be accelerated to a minimum of three years based on achievement of various individual performance measures. Acceleration of expense for awards based on individual performance factors occurs when the achievement of the performance criteria is determined.

Non-forfeitable dividends paid on shares of restricted stock are recorded to retained earnings for shares that are expected to vest and to compensation expense for shares that are not expected to vest.

Income taxes. The Income Taxes Topic of the FASB ASC requires the use of the asset and liability method under which deferred taxes are determined based on the estimated future tax effects of differences between the financial statement and tax bases of assets and liabilities, given the provisions of the enacted tax laws. In assessing the realizability of deferred tax assets, management considers whether it is more likely than not that some portion of the deferred tax assets will not be realized. The ultimate realization of deferred tax assets is dependent upon the generation of future taxable income during the periods in which those temporary differences become deductible. Management considers the scheduled reversal of deferred tax liabilities and projected future taxable income in making this assessment. Based upon the level of historical taxable income and projections for future taxable income over the periods which the deferred tax assets are deductible, management believes it is more likely than not the Company will realize the benefits of these deductible differences.

Significant management judgment is required in determining the provision for income taxes, deferred tax assets and liabilities and any necessary valuation allowance recorded against net deferred tax assets. The process involves summarizing temporary differences resulting from the different treatment of items, such as leases, for tax and accounting purposes. These differences result in deferred tax assets and liabilities which are included within the Consolidated Balance Sheets. Management then assesses the likelihood that deferred tax assets will be recovered from future taxable income or tax carry-back availability and, to the extent our management believes recovery is not likely, a valuation allowance is established. To the extent that we establish a valuation allowance in a period, an expense is recorded within the tax provision in the Consolidated Statements of Operations.

In accordance with U.S. GAAP, uncertain tax positions taken or expected to be taken in a tax return are subject to potential financial statement recognition based on prescribed recognition and measurement criteria. Based on our evaluation, we concluded that there are no significant uncertain tax positions requiring recognition in our financial statements. At September 30, 2012, there have been no material changes to the liability for uncertain tax positions and there are no significant unrecognized tax benefits.

The periods subject to examination for the Company’s federal return include the 2006 tax year to the present. The Company files state income tax returns in various states which may have different statutes of limitations. Generally, state income tax returns for the years 2005 through the present are subject to examination. The Company has amended its previously filed income tax returns for the years 2006 through 2009, resulting in the recognition of a net tax receivable of approximately $15.4 million as discussed in Note 12 to the Company’s Form 10-K for December 31, 2011. These amendments are subject to review by the various jurisdictions.

The Company records penalties and accrued interest related to taxes, including penalties and interest related to uncertain tax positions, in income tax expense. Such adjustments have historically been minimal and immaterial to our financial results.

Earnings per share. The Company’s restricted stock awards are paid non-forfeitable common stock dividends and thus meet the criteria of participating securities. Accordingly, earnings per share (“EPS”) is calculated using the two-class method, under which earnings are allocated to both common shares and participating securities. All shares of restricted stock are deducted from the weighted average shares outstanding for the computation of basic EPS.

Diluted EPS is computed based on the weighted average number of common shares outstanding for the period including the dilutive impact of the exercise or conversion of common stock equivalents, such as stock options, into shares of common stock as if those securities were exercised or converted.

Recent Accounting Pronouncements. In May 2011, the Financial Accounting Standards Board (the “FASB”) issued Accounting Standards Update 2011-04, Fair Value Measurement (Topic 820): Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRSs. This guidance clarifies the FASB’s intent about the application of existing fair value measurement and disclosure requirements and, in limited situations, changes certain principles or requirements for measuring fair value and disclosing information about fair value measurements. The guidance is effective for interim and annual reporting periods beginning after December 15, 2011. The adoption of the new requirements did not have a material impact on the consolidated earnings, financial position or cash flows of the Company.

 

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In June 2011, the FASB issued Accounting Standards Update 2011-05, Comprehensive Income (Topic 220): Presentation of Comprehensive Income (“ASU 2011-05”). This guidance will affect the presentation of comprehensive income, but does not change the items that must be reported in other comprehensive income or when an item of other comprehensive income must be reclassified to net income. In December 2011, the FASB issued Accounting Standards Update 2011-12, “Deferral of the Effective Date for Amendments to the Presentation of Reclassifications of Items Out of Accumulated Other Comprehensive Income in Accounting Standards Update No. 2011-05” (“ASU 2011-12”). ASU 2011-12 defers those changes in ASU 2011-05 that relate to the presentation of reclassification adjustments. ASU 2011-12 reinstated the requirements for the presentation of reclassifications that were in place prior to the issuance of ASU 2011-05 and did not change the effective date for ASU 2011-05. ASU 2011-12 does not impact the requirement of ASU 2011-05 to report comprehensive income either in a single continuous financial statement or in two separate but consecutive financial statements, as reflected in this report. The guidance is effective for interim and annual reporting periods beginning after December 15, 2011. Because ASU 2011-05 and ASU 2011-12 impact disclosures only, they will not affect the consolidated earnings, financial position or cash flows of the Company.

 

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NOTE 3 – Net Investment in Leases and Loans

Net investment in leases and loans consists of the following:

 

     September 30,
2012
    December 31,
2011
 
     (Dollars in thousands)  

Minimum lease payments receivable

   $ 540,364     $ 437,302  

Estimated residual value of equipment

     30,463       32,743  

Unearned lease income, net of initial direct costs and fees deferred

     (90,769     (74,199

Security deposits

     (2,905     (3,115

Loans, including unamortized deferred fees and costs

     514       462  

Allowance for credit losses

     (5,608     (5,353
  

 

 

   

 

 

 
   $ 472,059     $ 387,840  
  

 

 

   

 

 

 

At September 30, 2012, a total of $66.0 million of minimum lease payments receivable is assigned as collateral for borrowings, including the amounts related to consolidated VIEs.

Initial direct costs net of fees deferred were $8.9 million and $7.2 million as of September 30, 2012 and December 31, 2011, respectively, and are netted in unearned income and will be amortized to income using the effective interest method. At September 30, 2012 and December 31, 2011, $24.4 million and $26.5 million, respectively, of the estimated residual value of equipment retained on our Condensed Consolidated Balance Sheets was related to copiers.

Minimum lease payments receivable under lease contracts and the amortization of unearned lease income, including initial direct costs and fees deferred, are as follows as of September 30, 2012:

 

     Minimum Lease
Payments
Receivable
     Income
Amortization
 
     (Dollars in thousands)  

Period Ending December 31,

     

2012

   $ 58,976      $ 13,539  

2013

     198,729        39,954  

2014

     138,804        22,575  

2015

     86,635        10,571  

2016

     45,086        3,653  

Thereafter

     12,134        477  
  

 

 

    

 

 

 
   $ 540,364      $ 90,769  
  

 

 

    

 

 

 

Income is not recognized on leases or loans when a default on monthly payment exists for a period of 90 days or more. Income recognition resumes when the contract becomes less than 90 days delinquent. As of September 30, 2012 and December 31, 2011, the Company maintained total finance receivables which were on a non-accrual basis of $1.0 million and $0.8 million, respectively. As of September 30, 2012 and December 31, 2011, the Company had total finance receivables in which the terms of the original agreements had been renegotiated in the amount of $0.7 million and $1.1 million, respectively. (See Note 4 for additional asset quality information.)

 

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NOTE 4 – Allowance for Credit Losses

In accordance with the Contingencies Topic of the FASB ASC, we maintain an allowance for credit losses at an amount sufficient to absorb losses inherent in our existing lease and loan portfolios as of the reporting dates based on our estimate of probable net credit losses.

The chart which follows provides activity in the allowance for credit losses and asset quality statistics.

 

      Three Months Ended
September 30,
    Nine Months Ended
September 30,
    Year Ended
December 31,
 
      2012     2011     2012     2011     2011  
     (Dollars in thousands)  

Allowance for credit losses, beginning of period

   $ 5,197     $ 6,175     $ 5,353     $ 7,718     $ 7,718  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Charge-offs

     (1,429     (2,029     (4,571     (6,904     (8,624

Recoveries

     426       476       1,280       1,705       2,125  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net charge-offs

     (1,003     (1,553     (3,291     (5,199     (6,499
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Provision for credit losses

     1,414       837       3,546       2,940       4,134  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Allowance for credit losses, end of period (1)

   $ 5,608     $ 5,459     $ 5,608     $ 5,459     $ 5,353  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Annualized net charge-offs to average total finance receivables (2)

     0.89     1.73     1.05     1.96     1.81

Allowance for credit losses to total finance receivables, end of period (2)

     1.20     1.49     1.20     1.49     1.39

Average total finance receivables (2)

   $ 448,691     $ 359,451     $ 419,031     $ 353,348     $ 358,326  

Total finance receivables, end of period (2)

   $ 468,722     $ 365,610     $ 468,722     $ 365,610     $ 385,984  

Delinquencies greater than 60 days past due

   $ 2,173     $ 1,934     $ 2,173     $ 1,934     $ 1,663  

Delinquencies greater than 60 days past due (3)

     0.40     0.47     0.40     0.47     0.38

Allowance for credit losses to delinquent accounts greater than 60 days past due (3)

     258.08     282.26     258.08     282.26     321.89

Non-accrual leases and loans, end of period

   $ 989     $ 1,151     $ 989     $ 1,151     $ 829  

Renegotiated leases and loans, end of period

   $ 704     $ 1,304     $ 704     $ 1,304     $ 1,052  

 

(1) 

At September 30, 2012, December 31, 2011 and September 30, 2011, there was no allowance for credit losses allocated to loans.

(2) 

Total finance receivables include net investment in direct financing leases and loans. For purposes of asset quality and allowance calculations, the effects of (i) the allowance for credit losses and (ii) initial direct costs and fees deferred are excluded.

(3) 

Calculated as a percent of total minimum lease payments receivable for leases and as a percent of principal outstanding for loans.

Net investments in finance receivables are generally charged-off when they are contractually past due for 121 days. Income is not recognized on leases or loans when a default on monthly payment exists for a period of 90 days or more. Income recognition resumes when a lease or loan becomes less than 90 days delinquent. At September 30, 2012, September 30, 2011 and December 31, 2011, there were no finance receivables past due 90 days or more and still accruing.

Net charge-offs for the three-month period ended September 30, 2012 were $1.0 million (0.89% of average total finance receivables on an annualized basis), compared to $1.1 million (1.04% of average total finance receivables on an annualized basis) for the three-month period ended June 30, 2012. The decrease in net charge-offs during the three-month period ended September 30, 2012

 

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compared to recent previous periods is primarily due to improving delinquency migrations, partially offset by the growth in average total finance receivables. Our key credit quality indicator is delinquency status.

NOTE 5 – Other Assets

Other assets are comprised of the following:

 

     September 30,
2012
     December 31,
2011
 
     (Dollars in thousands)  

Accrued fees receivable

   $ 1,607      $ 1,644  

Deferred transaction costs

     714        1,219  

Prepaid expenses

     1,008        1,660  

Income taxes receivable

     13,547        16,131  

Other

     3,879        2,456  
  

 

 

    

 

 

 
   $ 20,755      $ 23,110  
  

 

 

    

 

 

 

NOTE 6 – Commitments and Contingencies

MBB is a member bank in a non-profit, multi-financial institution consortium serving as a catalyst for community development by offering flexible financing for affordable, quality housing to low- and moderate-income residents. Currently, MBB receives approximately 1.14% participation in each funded loan under the program. MBB records loans in its financial statements when they have been funded or become payable. Such loans help MBB satisfy its obligations under the Community Reinvestment Act of 1977. At September 30, 2012, MBB had an unfunded commitment of $1.4 million for this activity. Unless renewed prior to termination, MBB’s membership in the consortium will expire in June 2013.

The Company is involved in legal proceedings, which include claims, litigation and suits arising in the ordinary course of business. In the opinion of management, these actions will not have a material effect on the Company’s consolidated financial position, results of operations or cash flows.

NOTE 7 – Deposits

MBB serves as the Company’s primary funding source. MBB issues fixed-rate FDIC-insured certificates of deposit raised nationally through various brokered deposit relationships and fixed-rate FDIC-insured retail deposits directly from other financial institutions. As of September 30, 2012, the remaining scheduled maturities of time deposits are as follows:

 

     Scheduled
Maturities
 
     (Dollars in
thousands)
 

Period Ending December 31,

  

2012

   $ 28,652  

2013

     118,850  

2014

     86,550  

2015

     54,047  

2016

     35,209  

Thereafter

     18,685  
  

 

 

 
   $ 341,993  
  

 

 

 

All time deposits are in denominations of $250,000 or less. The FDIC insures deposits up to $250,000 per depositor. The weighted average all-in interest rate of deposits outstanding at September 30, 2012 was 1.07%.

 

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NOTE 8 – Long-term Borrowings

Borrowings with an original maturity of one year or more are classified as long-term borrowings. The Company’s term note securitizations and long-term loan facilities are classified as long-term borrowings.

Scheduled principal and interest payments on outstanding borrowings as of September 30, 2012 are as follows:

 

     Principal      Interest(1)  
     (Dollars in thousands)  

Period Ending December 31,

     

2012

   $ 11,419      $ 260    

2013

     3,603        543    

2014

     18,057        384    

2015

     4        —     

2016

     —           —     
  

 

 

    

 

 

 
   $ 33,083      $ 1,187    
  

 

 

    

 

 

 

 

(1) 

Interest on variable-rate long-term loan facilities is assumed at the September 30, 2012 rate for the remaining term.

NOTE 9 – Fair Value Measurements and Disclosures about the Fair Value of Financial Instruments

Fair Value Measurements

The Fair Value Measurements and Disclosures Topic of the FASB ASC establishes a framework for measuring fair value and requires certain disclosures about fair value measurements. Its provisions do not apply to fair value measurements for purposes of lease classification and measurement, which is addressed in the Leases Topic of the FASB ASC.

Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants in the principal or most advantageous market for the asset or liability at the measurement date (exit price). A three-level valuation hierarchy is required for disclosure of fair value measurements based upon the transparency of inputs to the valuation of an asset or liability as of the measurement date. The fair value hierarchy gives the highest priority to quoted prices (unadjusted) in active markets for identical assets or liabilities (Level 1) and the lowest priority to unobservable inputs (Level 3). The level in the fair value hierarchy within which the fair value measurement in its entirety falls is determined based on the lowest level input that is significant to the measurement in its entirety.

The three levels are defined as follows:

 

   

Level 1 – Inputs to the valuation are unadjusted quoted prices in active markets for identical assets or liabilities.

 

   

Level 2 – Inputs to the valuation may include quoted prices for similar assets and liabilities in active or inactive markets, and inputs other than quoted prices, such as interest rates and yield curves, which are observable for the asset or liability for substantially the full term of the financial instrument.

 

   

Level 3 – Inputs to the valuation are unobservable and significant to the fair value measurement. Level 3 inputs shall be used to measure fair value only to the extent that observable inputs are not available.

From time to time the Company uses derivative financial instruments to manage exposure to the effects of changes in market interest rates and to fulfill certain covenants in our borrowing arrangements. All derivatives are recorded on the Consolidated Balance Sheets at their fair value as either assets or liabilities using measurements classified as Level 2. Because the Company’s derivatives are not listed on an exchange, the Company values these instruments using a valuation model with pricing inputs that are observable in the market or that can be derived principally from or corroborated by observable market data. These inputs include the forward London Interbank Offered Rate (“LIBOR”) curve on which the variable payments are based and the applicable interest-rate swap market curve. The Company’s methodology also incorporates the impact of both the Company’s and the counterparty’s credit standing.

All of the Company’s derivative financial instruments are measured at fair value on a recurring basis, computed using fair value measurements classified as Level 2. The fair value of securities available for sale is computed using fair value measurements classified

 

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as Level 1, since prices are obtained from quoted prices in an active market. The Company’s balances measured at fair value on a recurring basis include the following as of September 30, 2012 and December 31, 2011:

 

     September 30, 2012
Fair Value Measurements Using
     December 31, 2011
Fair Value Measurements Using
 
     Level 1      Level 2      Level 1      Level 2  
     (Dollars in thousands)  

Assets

           

Securities available for sale

   $ 3,346      $ —         $ 1,780      $ —     

Interest-rate caps purchased

     —           —           —           6  

At this time, the Company has not elected to report any assets and liabilities using the fair value option available under the Financial Instruments Topic of the FASB ASC. There have been no transfers between Level 1 and Level 2 of the fair value hierarchy.

Disclosures about the Fair Value of Financial Instruments

The Financial Instruments Topic of the FASB ASC requires the disclosure of the estimated fair value of financial instruments, including those financial instruments not measured at fair value on a recurring basis. This requirement excludes certain instruments, such as the net investment in leases and all nonfinancial instruments.

The fair values shown below have been derived, in part, by management’s assumptions, the estimated amount and timing of future cash flows and estimated discount rates. Valuation techniques involve uncertainties and require assumptions and judgments regarding prepayments, credit risk and discount rates. Changes in these assumptions will result in different valuation estimates. The fair values presented would not necessarily be realized in an immediate sale. Derived fair value estimates cannot necessarily be substantiated by comparison to independent markets or to other companies’ fair value information.

The following summarizes the carrying amount and estimated fair value of the Company’s financial instruments:

 

     September 30, 2012      December 31, 2011  
     Carrying
Amount
     Fair
Value
     Carrying
Amount
     Fair
Value
 
     (Dollars in thousands)  

Assets

           

Cash and cash equivalents

   $ 70,025      $ 70,025      $ 42,285      $ 42,285  

Restricted interest-earning deposits with banks

     10,747        10,747        28,637        28,637  

Securities available for sale

     3,346        3,346        1,780        1,780  

Loans

     514        514        462        462  

Interest-rate caps purchased

     —           —           6        6  

Liabilities

           

Deposits

     341,993        343,164        198,579        199,760  

Long-term borrowings

     33,083        33,220        92,004        93,485  

Sales and property taxes payable

     4,537        4,537        2,169        2,169  

Accounts payable and accrued expenses

     10,764        10,764        8,791        8,791  

 

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The paragraphs which follow describe the methods and assumptions used in estimating the fair values of financial instruments.

(a) Cash and Cash Equivalents

The carrying amounts of the Company’s cash and cash equivalents approximate fair value as of September 30, 2012 and December 31, 2011, because they bear interest at market rates and had maturities of less than 90 days at the time of purchase. This fair value measurement is classified as Level 1.

(b) Restricted Interest-Earning Deposits with Banks

The Company maintains various interest-earning trust accounts related to our secured debt facilities. The book value of such accounts is included in restricted interest-earning deposits with banks on the accompanying Consolidated Balance Sheet. These accounts earn a floating market rate of interest which results in a fair value approximating the carrying amount at September 30, 2012 and December 31, 2011. This fair value measurement is classified as Level 1.

(c) Securities Available for Sale

The fair value of securities available for sale is recorded using prices obtained from quoted prices in an active market. This fair value measurement is classified as Level 1.

(d) Loans

Loans are primarily comprised of participating interests acquired through membership in a non-profit, multi-financial institution consortium serving as a catalyst for community development by offering financing for affordable, quality housing to low- and moderate-income residents. Such loans help MBB satisfy its obligations under the Community Reinvestment Act of 1977. The fair value of the Company’s loans approximates the carrying amount at September 30, 2012 and December 31, 2011. This estimate was based on recent comparable sales transactions with consideration of current market rates. This fair value measurement is classified as Level 2.

(e) Interest-Rate Caps Purchased

Interest-rate caps are measured at fair value on a recurring basis in accordance with the requirements of the Fair Value Measurements and Disclosures Topic of the FASB ASC, using the inputs and methods described previously in the first section of this Note 9. This fair value measurement is classified as Level 2.

(f) Deposits

The fair value of the Company’s deposits is estimated by discounting cash flows at current rates paid by the Company for similar certificates of deposit of the same or similar remaining maturities. This fair value measurement is classified as Level 2.

(g) Long-Term Borrowings

The fair value of the Company’s debt and secured borrowings is estimated by discounting cash flows at indicative market rates applicable to the Company’s debt and secured borrowings of the same or similar remaining maturities. This fair value measurement is classified as Level 2.

(h) Sales and Property Taxes Payable

The carrying amount of the Company’s sales and property taxes payable approximates fair value as of September 30, 2012 and December 31, 2011, because of the relatively short timeframe to realization. This fair value measurement is classified as Level 2.

(i) Accounts Payable and Accrued Expenses

The carrying amount of the Company’s accounts payable and accrued expenses approximates fair value as of September 30, 2012 and December 31, 2011, because of the relatively short timeframe to realization. This fair value measurement is classified as Level 2.

 

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NOTE 10 – Earnings Per Common Share

The Company’s restricted stock awards are paid non-forfeitable common stock dividends and thus meet the criteria of participating securities. Accordingly, EPS has been calculated using the two-class method, under which earnings are allocated to both common stock and participating securities.

Basic EPS has been computed by dividing net income allocated to common stock by the weighted average common shares used in computing basic EPS. For the computation of basic EPS, all shares of restricted stock have been deducted from the weighted average shares outstanding.

Diluted EPS has been computed by dividing net income allocated to common stock by the weighted average number of common shares used in computing basic EPS, further adjusted by including the dilutive impact of the exercise or conversion of common stock equivalents, such as stock options, into shares of common stock as if those securities were exercised or converted.

The following table provides net income and shares used in computing basic and diluted EPS:

 

     Three Months Ended September 30,     Nine Months Ended September 30,  
     2012     2011     2012     2011  
     (Dollars in thousands, except per-share data)  

Basic EPS

        

Net income

   $ 3,415     $ 1,831     $ 8,052     $ 4,115  

Less: net income allocated to participating securities

     145       132       350       311  
  

 

 

   

 

 

   

 

 

   

 

 

 

Net income allocated to common stock

   $ 3,270     $ 1,699     $ 7,702     $ 3,804  
  

 

 

   

 

 

   

 

 

   

 

 

 

Weighted average common shares outstanding

     12,737,833       12,803,343       12,731,329       12,905,582  

Less: Unvested restricted stock awards considered participating securities

     (551,001     (922,509     (575,773     (974,063
  

 

 

   

 

 

   

 

 

   

 

 

 

Adjusted weighted average common shares used in computing basic EPS

     12,186,832       11,880,834       12,155,556       11,931,519  
  

 

 

   

 

 

   

 

 

   

 

 

 

Basic EPS

   $ 0.27     $ 0.14     $ 0.63     $ 0.32  
  

 

 

   

 

 

   

 

 

   

 

 

 

Diluted EPS

        

Net income allocated to common stock

   $ 3,270     $ 1,699     $ 7,702     $ 3,804  
  

 

 

   

 

 

   

 

 

   

 

 

 

Adjusted weighted average common shares used in computing basic EPS

     12,186,832       11,880,834       12,155,556       11,931,519  

Add: Effect of dilutive stock options

     93,291       65,397       76,960       72,442  
  

 

 

   

 

 

   

 

 

   

 

 

 

Adjusted weighted average common shares used in computing diluted EPS

     12,280,123       11,946,231       12,232,516       12,003,961  
  

 

 

   

 

 

   

 

 

   

 

 

 

Diluted EPS

   $ 0.27     $ 0.14     $ 0.63     $ 0.32  
  

 

 

   

 

 

   

 

 

   

 

 

 

For the three-month periods ended September 30, 2012 and September 30, 2011, options to purchase 43,058 and 322,817 shares of common stock were not considered in the computation of potential common shares for purposes of diluted EPS, since the exercise prices of the options were greater than the average market price of the Company’s common stock for the respective periods.

 

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For the nine-month periods ended September 30, 2012 and September 30, 2011, options to purchase 51,533 and 343,490 shares of common stock were not considered in the computation of potential common shares for purposes of diluted EPS, since the exercise prices of the options were greater than the average market price of the Company’s common stock for the respective periods.

NOTE 11 – Stockholders’ Equity

Stockholders’ Equity

On November 2, 2007, the Company’s Board of Directors approved a stock repurchase plan. Under this program, the Company is authorized to repurchase up to $15 million in value of its outstanding shares of common stock. This authority may be exercised from time to time and in such amounts as market conditions warrant. Any shares purchased under this plan are returned to the status of authorized but unissued shares of common stock. The repurchases may be made on the open market, in block trades or otherwise. The program may be suspended or discontinued at any time. The repurchases are funded using the Company’s working capital.

During the three-month and nine-month periods ended September 30, 2012, the Company had no repurchases of common stock in the open market. The Company purchased 207,470 shares of its common stock at an average cost of $11.49 per share during the three-month period ended September 30, 2011. The Company purchased 378,668 shares of its common stock at an average cost of $11.71 per share during the nine-month period ended September 30, 2011. At September 30, 2012, the Company had $5.7 million remaining in its stock repurchase plan authorized by the Board of Directors.

In addition to the repurchases described above, pursuant to the Company’s 2003 Equity Compensation Plan, as Amended (the “2003 Plan”), participants may have shares withheld to cover income taxes. There were 5,708 and 110,915 shares repurchased to cover income tax withholding during the three- and nine-month periods ended September 30, 2012, at average per-share costs of $16.89 and $14.17, respectively. There were 10,683 and 97,608 shares repurchased to cover income tax withholding during the three- and nine-month periods ended September 30, 2011, at average per-share costs of $12.58 and $11.73, respectively.

Regulatory Capital Requirements

Through its issuance of FDIC-insured certificates of deposit, MBB serves as the Company’s primary funding source. Over time, MBB may offer other products and services to the Company’s customer base. MBB operates as a Utah state-chartered, Federal Reserve member commercial bank, insured by the FDIC. As a state-chartered Federal Reserve member bank, MBB is supervised by both the Federal Reserve Bank of San Francisco and the Utah Department of Financial Institutions.

MBB is subject to capital adequacy guidelines issued by the Federal Financial Institutions Examination Council (the “FFIEC”). These risk-based capital and leverage guidelines make regulatory capital requirements more sensitive to differences in risk profiles among banking organizations and consider off-balance sheet exposures in determining capital adequacy. The FFIEC and/or the U.S. Congress may determine to increase capital requirements in the future due to the current economic environment. Under the rules and regulations of the FFIEC, at least half of a bank’s total capital is required to be “Tier 1 Capital” as defined in the regulations, comprised of common equity, retained earnings and a limited amount of non-cumulative perpetual preferred stock. The remaining capital, “Tier 2 Capital,” as defined in the regulations, may consist of other preferred stock, a limited amount of term subordinated debt or a limited amount of the reserve for possible credit losses. The FFIEC has also adopted minimum leverage ratios for banks, which are calculated by dividing Tier 1 Capital by total quarterly average assets. Recognizing that the risk-based capital standards principally address credit risk rather than interest rate, liquidity, operational or other risks, many banks are expected to maintain capital in excess of the minimum standards. The Company plans to provide the necessary capital to maintain MBB at “well-capitalized” status as defined by banking regulations. MBB’s Tier 1 Capital balance at September 30, 2012 was $66.2 million, which met all capital requirements to which MBB is subject and qualified MBB for “well-capitalized” status. Bank holding companies are required to comply with the Federal Reserve Board’s risk-based capital guidelines that require a minimum ratio of total capital to risk-weighted assets of 8%. At least half of the total capital is required to be Tier 1 Capital. In addition to the risk-based capital guidelines, the Federal Reserve Board has adopted a minimum leverage capital ratio under which a bank holding company must maintain a ratio of Tier 1 Capital to average total consolidated assets of at least 3% in the case of a bank holding company which has the highest regulatory examination rating and is not contemplating significant growth or expansion. All other bank holding companies are expected to maintain a leverage capital ratio of at least 4%. At September 30, 2012, Marlin Business Services Corp. also exceeded its regulatory capital requirements and was considered “well-capitalized” as defined by federal banking regulations.

The following table sets forth the Tier 1 leverage ratio, Tier 1 risk-based capital ratio and total risk-based capital ratio for Marlin Business Services Corp. and MBB at September 30, 2012.

 

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Table of Contents
     Actual      Minimum Capital
Requirement
     Well-Capitalized Capital
Requirement
 
     Ratio     Amount      Ratio(1)     Amount      Ratio     Amount  
     (Dollars in thousands)  

Tier 1 Leverage Capital

              

Marlin Business Services Corp.

     31.22   $ 171,433        4   $ 21,962        5   $ 27,453  

Marlin Business Bank

     16.85   $ 66,212        5   $ 19,651        5   $ 19,651  

Tier 1 Risk-based Capital

              

Marlin Business Services Corp.

     33.30   $ 171,433        4   $ 20,593        6   $ 30,889  

Marlin Business Bank

     16.55   $ 66,212        6   $ 23,998        6   $ 23,998  

Total Risk-based Capital

              

Marlin Business Services Corp.

     34.40   $ 177,089        8   $ 41,186        10   $ 51,482  

Marlin Business Bank

     17.56   $ 70,232        15   $ 59,996        10 %(1)    $ 39,997  

 

(1) 

MBB is required to maintain “well-capitalized” status and must also maintain a total risk-based capital ratio greater than 15% pursuant to an agreement entered into by and among MBB, the Company, Marlin Leasing Corporation and the FDIC in conjunction with the opening of MBB (the “FDIC Agreement”).

Prompt Corrective Action. The Federal Deposit Insurance Corporation Improvement Act of 1991 (“FDICIA”) requires the federal regulators to take prompt corrective action against any undercapitalized institution. Five capital categories have been established under federal banking regulations: well-capitalized, adequately capitalized, undercapitalized, significantly undercapitalized and critically undercapitalized. Well-capitalized institutions significantly exceed the required minimum level for each relevant capital measure. Adequately capitalized institutions include depository institutions that meet but do not significantly exceed the required minimum level for each relevant capital measure. Undercapitalized institutions consist of those that fail to meet the required minimum level for one or more relevant capital measures. Significantly undercapitalized characterizes depository institutions with capital levels significantly below the minimum requirements for any relevant capital measure. Critically undercapitalized refers to depository institutions with minimal capital and at serious risk for government seizure.

Under certain circumstances, a well-capitalized, adequately capitalized or undercapitalized institution may be treated as if the institution were in the next lower capital category. A depository institution is generally prohibited from making capital distributions, including paying dividends, or paying management fees to a holding company if the institution would thereafter be undercapitalized. Institutions that are adequately capitalized but not well-capitalized cannot accept, renew or roll over brokered deposits except with a waiver from the FDIC and are subject to restrictions on the interest rates that can be paid on such deposits. Undercapitalized institutions may not accept, renew or roll over brokered deposits.

The federal bank regulatory agencies are permitted or, in certain cases, required to take certain actions with respect to institutions falling within one of the three undercapitalized categories. Depending on the level of an institution’s capital, the agency’s corrective powers include, among other things:

 

   

prohibiting the payment of principal and interest on subordinated debt;

 

   

prohibiting the holding company from making distributions without prior regulatory approval;

 

   

placing limits on asset growth and restrictions on activities;

 

   

placing additional restrictions on transactions with affiliates;

 

   

restricting the interest rate the institution may pay on deposits;

 

   

prohibiting the institution from accepting deposits from correspondent banks; and

 

   

in the most severe cases, appointing a conservator or receiver for the institution.

 

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A banking institution that is undercapitalized is required to submit a capital restoration plan, and such a plan will not be accepted unless, among other things, the banking institution’s holding company guarantees the plan up to a certain specified amount. Any such guarantee from a depository institution’s holding company is entitled to a priority of payment in bankruptcy.

Pursuant to the FDIC Agreement, MBB must keep its total risk-based capital ratio above 15%. MBB’s total risk-based capital ratio of 17.56% at September 30, 2012 exceeded the threshold for “well capitalized” status under the applicable laws and regulations, and also exceeded the 15% minimum total risk-based capital ratio required in the FDIC Agreement.

Dividends. The Federal Reserve Board has issued policy statements which provide that, as a general matter, insured banks and bank holding companies should pay dividends only out of current operating earnings.

NOTE 12 – Stock-Based Compensation

Under the terms of the 2003 Plan, employees, certain consultants and advisors and non-employee members of the Company’s Board of Directors have the opportunity to receive incentive and nonqualified grants of stock options, stock appreciation rights, restricted stock and other equity-based awards as approved by the Company’s Board of Directors. These award programs are used to attract, retain and motivate employees and to encourage individuals in key management roles to retain stock. The Company has a policy of issuing new shares to satisfy awards under the 2003 Plan. In May 2012, the Company’s shareholders approved an increase of 850,000 shares authorized under the Company’s 2003 Plan. As a result, the aggregate number of shares under the 2003 Plan that may be issued pursuant to stock options or restricted stock grants is 4,150,000. Not more than 2,500,000 of such shares shall be available for issuance as restricted stock grants. There were 1,034,929 shares available for future grants under the 2003 Plan as of September 30, 2012, of which 872,802 shares were available to be issued as restricted stock grants.

Total stock-based compensation expense was $0.3 million for the three-month period ended September 30, 2012 and $0.4 million for the three-month period ended September 30, 2011. Total stock-based compensation expense was $2.2 million and $2.0 million for the nine-month periods ended September 30, 2012 and September 30, 2011, respectively. Excess tax benefits from stock-based payment arrangements increased cash provided by financing activities and decreased cash provided by operating activities by $0.9 million and $0.6 million for the nine-month periods ended September 30, 2012 and September 30, 2011, respectively.

Stock Options

Option awards are generally granted with an exercise price equal to the market price of the Company’s stock at the date of the grant and have 7- to 10-year contractual terms. All options issued contain service conditions based on the participant’s continued service with the Company and provide for accelerated vesting if there is a change in control as defined in the 2003 Plan. Employee stock options generally vest over four years. The Company also issues stock options to non-employee independent directors. These options generally vest in one year.

There were no stock options granted during the three-month and nine-month periods ended September 30, 2012. There were no stock options granted during the three-month and nine-month periods ended September 30, 2011.

 

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A summary of option activity for the nine month period ended September 30, 2012 follows:

 

Options

   Number of
Shares
    Weighted
Average
Exercise Price
Per Share
 

Outstanding, December 31, 2011

     475,217     $ 10.93  

Granted

     —          —     

Exercised

     (32,963     8.48  

Forfeited

     (17,154     10.33  

Expired

     (4,644     19.78  
  

 

 

   

Outstanding, September 30, 2012

     420,456       11.05  
  

 

 

   

During each of the three-month periods ended September 30, 2012 and September 30, 2011, the Company recognized total compensation expense related to options of less than $0.1 million. During each of the nine-month periods ended September 30, 2012 and September 30, 2011, the Company recognized total compensation expense related to options of less than $0.1 million.

There were 29,219 stock options exercised during the three-month period ended September 30, 2012. There were 93,940 stock options exercised for the three-month period ended September 30, 2011. The total pretax intrinsic value of stock options exercised was $0.3 million for the three-month period ended September 30, 2012. The total pretax intrinsic value of stock options exercised was $0.1 million for the three-month period ended September 30, 2011. The related tax benefit realized from the exercise of stock options for the three-month period ended September 30, 2012 was $0.1 million. The related tax benefits realized from the exercise of stock options for the three-month period ended September 30, 2011 were $0.1 million.

The total pretax intrinsic values of stock options exercised were $0.3 million and $0.1 million for the nine-month periods ended September 30, 2012 and September 30, 2011, respectively. The related tax benefits realized from the exercise of stock options for the nine-month periods ended September 30, 2012 and September 30, 2011 were $0.1 million and $0.1 million, respectively.

The following table summarizes information about the stock options outstanding and exercisable as of September 30, 2012:

 

Options Outstanding

     Options Exercisable  

Range of

Exercise Prices

   Number
Outstanding
     Weighted
Average
Remaining
Life (Years)
     Weighted
Average
Exercise
Price
     Aggregate
Intrinsic
Value

(In  thousands)
     Number
Exercisable
     Weighted
Average
Remaining
Life (Years)
     Weighted
Average
Exercise
Price
     Aggregate
Intrinsic
Value

(In  thousands)
 

$ 3.39

     5,600        0.3      $ 3.39      $ 100        5,600        0.3      $ 3.39      $ 100  

$ 7.17 - 10.18

     224,952        2.5        9.10        2,724        120,608        2.6        8.74        1,504  

$ 12.08 - 12.41

     134,772        4.6        12.40        1,187        54,170        4.6        12.39        478  

$ 14.00 - 16.01

     37,672        1.2        14.33        259        37,672        1.2        14.33        259  

$ 20.35 - 21.50

     17,460        1.0        21.08        6        17,460        1.0        21.08        6  
  

 

 

          

 

 

    

 

 

          

 

 

 
     420,456        3.0        11.05      $ 4,276        235,510        2.7        11.26      $ 2,347  
  

 

 

          

 

 

    

 

 

          

 

 

 

The aggregate intrinsic value in the preceding table represents the total pretax intrinsic value, based on the Company’s closing stock price of $21.21 as of September 30, 2012, which would have been received by the option holders had all option holders exercised their options as of that date.

 

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As of September 30, 2012, the total future compensation cost related to non-vested stock options not yet recognized in the Consolidated Statements of Operations was $0.1 million and the weighted average period over which these awards are expected to be recognized was 1.3 years. As of September 30, 2012, $0.7 million of additional potential compensation cost related to non-vested stock options has not been recognized due to performance targets not being achieved. However, in certain circumstances, these options may be subject to vesting prior to their expiration dates. The weighted average remaining term of these options is approximately 3.4 years.

Restricted Stock Awards

Restricted stock awards provide that, during the applicable vesting periods, the shares awarded may not be sold or transferred by the participant. The vesting period for restricted stock awards generally ranges from three to 10 years. All awards issued contain service conditions based on the participant’s continued service with the Company and provide for accelerated vesting if there is a change in control as defined in the 2003 Plan.

The vesting of certain restricted shares may be accelerated to a minimum of three years based on achievement of various individual performance measures. Acceleration of expense for awards based on individual performance factors occurs when the achievement of the performance criteria is determined.

In addition, the Company has issued certain shares under a Management Stock Ownership Program. Under this program, restrictions on the shares lapse at the end of 10 years but may lapse (vest) in a minimum of three years if the employee continues in service at the Company and owns a matching number of other common shares in addition to the restricted shares.

Of the total restricted stock awards granted during the nine-month period ended September 30, 2012, 29,405 shares may be subject to accelerated vesting based on individual performance factors; no shares have vesting contingent upon performance factors. Vesting was accelerated in 2012 on certain awards based on the achievement of certain performance criteria determined annually, as described below.

The Company also issues restricted stock to non-employee independent directors. These shares generally vest in seven years from the grant date or six months following the director’s termination from Board of Directors service.

The following table summarizes the activity of the non-vested restricted stock during the nine months ended September 30, 2012:

 

Non-vested restricted stock

   Shares     Weighted
Average
Grant-Date
Fair Value
 

Outstanding at December 31, 2011

     790,484     $ 9.96  

Granted

     87,589       14.37  

Vested

     (325,268     8.09  

Forfeited

     (29,399     10.31  
  

 

 

   

Outstanding at September 30, 2012

     523,406       11.84  
  

 

 

   

During the three-month periods ended September 30, 2012 and September 30, 2011, the Company granted restricted stock awards with grant date fair values totaling $0.1 million and $0.2 million, respectively. During the nine-month periods ended September 30, 2012 and September 30, 2011, the Company granted restricted stock awards with grant date fair values totaling $1.3 million and $3.2 million, respectively.

As vesting occurs, or is deemed likely to occur, compensation expense is recognized over the requisite service period and additional paid-in capital is increased. The Company recognized $0.3 million and $0.4 million of compensation expense related to restricted stock for the three-month periods ended September 30, 2012 and September 30, 2011, respectively. The Company recognized $2.2 million and $2.0 million of compensation expense related to restricted stock for the nine-month periods ended September 30, 2012 and September 30, 2011, respectively.

 

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Of the $2.2 million total compensation expense related to restricted stock for the nine-month period ended September 30, 2012, approximately $1.0 million related to accelerated vesting during the first quarter of 2012, based on the achievement of certain performance criteria determined annually. Of the $2.0 million total compensation expense related to restricted stock for the nine-month period ended September 30, 2011, approximately $0.6 million related to accelerated vesting during the first quarter of 2011, also based on the achievement of certain performance criteria determined annually.

As of September 30, 2012, there was $3.6 million of unrecognized compensation cost related to non-vested restricted stock compensation scheduled to be recognized over a weighted average period of 3.8 years. In the event individual performance targets are achieved, $1.0 million of the unrecognized compensation cost would accelerate to be recognized over a weighted average period of 0.9 years. In addition, certain of the awards granted may result in the issuance of 58,336 additional shares of stock if achievement of certain targets is greater than 100%. The expense related to the additional shares awarded will be dependent on the Company’s stock price when the achievement level is determined.

The fair values of shares that vested during the three-month periods ended September 30, 2012 and September 30, 2011 were $0.3 million and $0.4 million, respectively. The fair values of shares that vested during the nine-month periods ended September 30, 2012 and September 30, 2011 were $4.6 million and $3.6 million, respectively.

Employee Stock Purchase Plan

In May 2012, the Company’s shareholders approved the adoption of the Company’s 2012 Employee Stock Purchase Plan (the “ESPP”). Under the terms of the ESPP, employees have the opportunity to set aside up to 10% of their compensation (subject to certain maximums) and to purchase shares of common stock during designated offering periods at a price equal to the lesser of 95% of the fair market value per share on the first day of the offering period or the fair market value per share on the purchase date. The aggregate number of shares that may be issued under the ESPP is 140,000.

NOTE 13 – Subsequent Events

The Company declared a dividend of $0.08 per share on October 29, 2012. The quarterly dividend, which is expected to result in a dividend payment of approximately $1.0 million, is scheduled to be paid on November 26, 2012 to shareholders of record on the close of business on November 12, 2012. It represents the Company’s fifth consecutive quarterly cash dividend. The payment of future dividends will be subject to approval by the Company’s Board of Directors.

 

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Item 2. Management’s Discussion And Analysis Of Financial Condition And Results Of Operations

The following discussion and analysis of our financial condition and results of operations should be read in conjunction with our Consolidated Financial Statements and the related notes thereto in our Form 10-K for the year ended December 31, 2011 filed with the SEC. This discussion contains certain statements of a forward-looking nature that involve risks and uncertainties.

FORWARD-LOOKING STATEMENTS

Certain statements in this document may include the words or phrases “can be,” “expects,” “plans,” “may,” “may affect,” “may depend,” “believe,” “estimate,” “intend,” “could,” “should,” “would,” “if” and similar words and phrases that constitute “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended (the “1933 Act”), and Section 21E of the Securities Exchange Act of 1934, as amended (the “1934 Act”). Forward-looking statements are subject to various known and unknown risks and uncertainties and the Company cautions that any forward-looking information provided by or on its behalf is not a guarantee of future performance. Statements regarding the following subjects are forward-looking by their nature: (a) our business strategy; (b) our projected operating results; (c) our ability to obtain external financing; (d) the effectiveness of our hedges; (e) our understanding of our competition; and (f) industry and market trends. The Company’s actual results could differ materially from those anticipated by such forward-looking statements due to a number of factors, some of which are beyond the Company’s control, including, without limitation:

 

   

availability, terms and deployment of funding and capital;

 

   

changes in our industry, interest rates, the regulatory environment or the general economy resulting in changes to our business strategy;

 

   

the degree and nature of our competition;

 

   

availability and retention of qualified personnel;

 

   

general volatility of the capital markets; and

 

   

the factors set forth in the section captioned “Risk Factors” in Item 1 of our Form 10-K for the year ended December 31, 2011 filed with the SEC.

Forward-looking statements apply only as of the date made and the Company is not required to update forward-looking statements for subsequent or unanticipated events or circumstances.

Overview

We are a nationwide provider of equipment financing solutions, primarily to small and mid-sized businesses. We finance over 100 categories of commercial equipment important to the typical small and mid-sized business customer, including copiers, security systems, computers and software, telecommunications equipment and certain commercial and industrial equipment. We access our end user customers through origination sources comprised of our existing network of independent equipment dealers, national account programs and, to a much lesser extent, through direct solicitation of our end user customers and through relationships with select lease brokers.

Our leases are fixed-rate transactions with terms generally ranging from 36 to 60 months. At September 30, 2012, our lease portfolio consisted of approximately 67,970 accounts with an average original term of 48 months and average original transaction size of approximately $12,000.

We were founded in 1997. At September 30, 2012, we had $579.0 million in total assets. Our assets are substantially comprised of our net investment in leases and loans which totaled $472.1 million at September 30, 2012.

We generally reach our lessees through a network of independent equipment dealers and, to a much lesser extent, lease brokers. The number of dealers and brokers with whom we conduct business depends on, among other things, the number of sales account executives we have. Sales account executive staffing levels and the activity of our origination sources are shown below.

 

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Table of Contents
     

Nine Months
Ended

September 30,

        
        As of or For the Year Ended December 31,  
     2012      2011      2010      2009      2008      2007  

Number of sales account executives

     112        93        87        38        86        118  

Number of originating sources(1)

     1,087        827        604        465        1,014        1,246  

 

(1) 

Monthly average of origination sources generating lease volume

Our revenue consists of interest and fees from our leases and loans and, to a lesser extent, income from our property insurance program and other fee income. Our expenses consist of interest expense and operating expenses, which include salaries and benefits and other general and administrative expenses. As a credit lender, our earnings are also impacted by credit losses. For the quarter ended September 30, 2012, our annualized net credit losses were 0.89% of our average total finance receivables. We establish reserves for credit losses which require us to estimate inherent losses in our portfolio as of the reporting date.

Our leases are classified under U.S. GAAP as direct financing leases, and we recognize interest income over the term of the lease. Direct financing leases transfer substantially all of the benefits and risks of ownership to the equipment lessee. Our net investment in direct finance leases is included in our consolidated financial statements in “net investment in leases and loans.” Net investment in direct financing leases consists of the sum of total minimum lease payments receivable and the estimated residual value of leased equipment, less unearned lease income. Unearned lease income consists of the excess of the total future minimum lease payments receivable plus the estimated residual value expected to be realized at the end of the lease term plus deferred net initial direct costs and fees less the cost of the related equipment. Approximately 67% of our lease portfolio at September 30, 2012 amortizes over the lease term to a $1 residual value. For the remainder of the portfolio, we must estimate end of term residual values for the leased assets. Failure to correctly estimate residual values could result in losses being realized on the disposition of the equipment at the end of the lease term.

We fund our business through the issuance of fixed-rate FDIC-insured certificates of deposit, raised nationally by MBB and through a combination of variable-rate borrowings and fixed-rate asset securitization transactions, as well as through the issuance from time to time of subordinated debt and equity securities. Our variable-rate borrowing currently consists of long-term loan facilities.

Historically, leases were funded through variable-rate warehouse facilities until they were refinanced through term note securitizations at fixed rates. All of our term note securitizations have been accounted for as on-balance sheet transactions and, therefore, we have not recognized gains or losses from these transactions.

Since its opening in 2008, MBB has served as a funding source for a portion of the Company’s new originations through the issuance of FDIC-insured certificates of deposit. We anticipate that FDIC-insured certificates of deposit issued by MBB will represent our primary source of funds for the foreseeable future. As of September 30, 2012, total MBB deposits were $342.0 million. As of September 30, 2012, $5.8 million, or 17.5%, of our total long-term borrowings of $33.1 million were fixed-rate term note securitizations.

Fixed rate leases not funded with deposits are financed with variable-rate debt. Therefore, our earnings may be exposed to interest rate risk should interest rates rise. We generally benefit in times of falling and low interest rates. In contrast to previous warehouse facilities, our current long-term loan facilities do not require annual refinancing, but failure to renew the existing facilities or to obtain additional financing could restrict our growth and future financial performance.

From time to time we use derivative financial instruments to manage exposure to the effects of changes in market interest rates and to fulfill certain covenants in our borrowing arrangements. All derivatives are recorded on the Consolidated Balance Sheets at their fair value as either assets or liabilities. The Company was not a party to any active interest-rate swap agreements at September 30, 2012.

Through the issuance of FDIC-insured certificates of deposit, MBB serves as the Company’s primary funding source. Over time, MBB may offer other products and services to the Company’s customer base. As a Utah state-chartered Federal Reserve member bank, MBB is supervised by both the Federal Reserve Bank of San Francisco and the Utah Department of Financial Institutions.

 

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On January 13, 2009, Marlin Business Services Corp. became a bank holding company and is subject to the Bank Holding Company Act and supervised by the Federal Reserve Bank of Philadelphia. On September 15, 2010, the Federal Reserve Bank of Philadelphia confirmed the effectiveness of Marlin Business Services Corp.’s election to become a financial holding company (while remaining a bank holding company) pursuant to Sections 4(k) and (l) of the Bank Holding Company Act and Section 225.82 of the Federal Reserve Board’s Regulation Y. Such election permits Marlin Business Services Corp. to engage in activities that are financial in nature or incidental to a financial activity, including the maintenance and expansion of our reinsurance activities conducted through its wholly-owned subsidiary, AssuranceOne, Ltd. (“AssuranceOne”).

Critical Accounting Policies

Our discussion and analysis of our financial condition and results of operations are based upon our consolidated financial statements, which have been prepared in accordance with U.S. GAAP. Preparation of these financial statements requires us to make estimates and judgments that affect reported amounts of assets, liabilities, revenues and expenses and affect related disclosure of contingent assets and liabilities at the date of our financial statements. On an ongoing basis, we evaluate our estimates, including credit losses, residuals, initial direct costs and fees, other fees, the fair value of financial instruments and the realization of deferred tax assets. We base our estimates on historical experience and on various other assumptions that are believed to be reasonable under the circumstances, the results of which form the basis for making judgments about the carrying values of assets and liabilities that are not readily apparent from other sources. Critical accounting policies are defined as those that are reflective of significant judgments and uncertainties. Our consolidated financial statements are based on the selection and application of critical accounting policies, the most significant of which are described below.

Income recognition. Interest income is recognized under the effective interest method. The effective interest method of income recognition applies a constant rate of interest equal to the internal rate of return on the lease. When a lease or loan is 90 days or more delinquent, the contract is classified as being on non-accrual and we do not recognize interest income on that contract until it is less than 90 days delinquent.

Fee income consists of fees for delinquent lease and loan payments, cash collected on early termination of leases and net residual income. Net residual income includes income from lease renewals and gains and losses on the realization of residual values of leased equipment disposed at the end of a lease’s term. Residual income is recognized as earned.

Fee income from delinquent lease payments is recognized on an accrual basis based on anticipated collection rates. At a minimum of every quarter, an analysis of anticipated collection rates is performed based on updates to collection experience. Adjustments in anticipated collection rate assumptions are made as needed based on this analysis. Other fees are recognized when received.

Insurance income is recognized on an accrual basis as earned over the term of a lease. Generally, insurance payments that are 120 days or more past due are charged against income. Ceding commissions, losses and loss adjustment expenses are recorded in the period incurred and netted against insurance income.

Initial direct costs and fees. We defer initial direct costs incurred and fees received to originate our leases and loans in accordance with the Receivables Topic and the Nonrefundable Fees and Other Costs Subtopic of the FASB ASC. The initial direct costs and fees we defer are part of the net investment in leases and loans and are amortized to interest income using the effective interest method. We defer third-party commission costs as well as certain internal costs directly related to the origination activity. Costs subject to deferral include evaluating each prospective customer’s financial condition, evaluating and recording guarantees and other security arrangements, negotiating terms, preparing and processing documents and closing each transaction. Estimates of costs subject to deferral are updated periodically, and no less frequently than each year. The fees we defer are documentation fees collected at inception. The realization of the deferred initial direct costs, net of fees deferred, is predicated on the net future cash flows generated by our lease and loan portfolios.

Lease residual values. A direct financing lease is recorded at the aggregate future minimum lease payments plus the estimated residual value less unearned income. Residual values generally reflect the estimated amounts to be received at lease termination from lease extensions, sales or other dispositions of leased equipment. These estimates are based on industry data and on our experience.

The Company records an estimated residual value at lease inception for all fair market value and fixed purchase option leases based on a percentage of the equipment cost of the asset being leased. The percentages used depend on equipment type and term. In setting and reviewing estimated residual values, the Company focuses its analysis primarily on total historical and expected realization statistics pertaining to both lease renewals and sales of equipment.

 

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At the end of an original lease term, lessees may choose to purchase the equipment, renew the lease or return the equipment to the Company. The Company receives income from lease renewals when the lessee elects to retain the equipment longer than the original term of the lease. This income, net of appropriate periodic reductions in the estimated residual values of the related equipment, is included in fee income as net residual income.

When a lessee elects to return equipment at lease termination, the equipment is transferred to other assets at the lower of its basis or fair market value. The Company generally sells returned equipment to independent third parties, rather than leasing the equipment a second time. The Company does not maintain equipment in other assets for longer than 120 days. Any loss recognized on transferring equipment to other assets, and any gain or loss realized on the sale or disposal of equipment to a lessee or to others is included in fee income as net residual income.

Based on the Company’s experience, the amount of ultimate realization of the residual value tends to relate more to the customer’s election at the end of the lease term to enter into a renewal period, to purchase the leased equipment or to return the leased equipment than it does to the equipment type. Management performs periodic reviews of the estimated residual values and historic realization statistics no less frequently than quarterly and any impairment, if other than temporary, is recognized in the current period.

Allowance for credit losses. In accordance with the Contingencies Topic of the FASB ASC, we maintain an allowance for credit losses at an amount sufficient to absorb losses inherent in our existing lease and loan portfolios as of the reporting dates based on our projection of probable net credit losses.

We evaluate our portfolios on a pooled basis, due to their composition of small balance, homogenous accounts with similar general credit risk characteristics, diversified among a large cross-section of variables including industry, geography, equipment type, obligor and vendor. We consider both quantitative and qualitative factors in determining the allowance for credit losses. Quantitative factors considered include a migration analysis stratified by industry classification, historic delinquencies and charge-offs, and a static pool analysis of historic recoveries. A migration analysis is a technique used to estimate the likelihood that an account will progress through the various delinquency stages and ultimately charge off. Qualitative factors that may result in further adjustments to the quantitative analysis include items such as forecasting uncertainties, changes in the composition of our lease and loan portfolios, seasonality, economic or business conditions and emerging trends, business practices or policies at the reporting date that are different from the periods used in the quantitative analysis. Adjustments due to such qualitative factors increased the allowance for credit losses by approximately $0.2 million and $0.1 million at September 30, 2012 and December 31, 2011, respectively.

The various factors used in the analysis are reviewed periodically, and no less frequently than quarterly. We then establish an allowance for credit losses for the projected probable net credit losses inherent in the portfolio based on this analysis. A provision is charged against earnings to maintain the allowance for credit losses at the appropriate level. Our policy is to charge-off against the allowance the estimated unrecoverable portion of accounts once they reach 121 days delinquent.

Our projections of probable net credit losses are inherently uncertain, and as a result we cannot predict with certainty the amount of such losses. Changes in economic conditions, the risk characteristics and composition of the portfolios, bankruptcy laws and other factors could impact our actual and projected net credit losses and the related allowance for credit losses. To the extent we add new leases and loans to our portfolios, or to the degree credit quality is worse than expected, we record expense to increase the allowance for credit losses for the estimated net losses inherent in our portfolios. Actual losses may vary from current estimates.

Securitizations. In connection with each of the Company’s term note securitization transactions, we established bankruptcy remote SPEs and issued term debt to institutional investors. These SPEs are each considered VIEs under U.S. GAAP. We are required to consolidate VIEs in which we are deemed to be the primary beneficiary through having (1) power over the significant activities of the entity and (2) an obligation to absorb losses or the right to receive benefits from the VIE which are potentially significant to the VIE. We continue to service the assets of our VIEs and retain equity and/or residual interests. Accordingly, assets and related debt of these VIEs are included in the accompanying Consolidated Balance Sheets. Our leases and restricted interest-earning deposits with banks are assigned as collateral for these borrowings and there is no further recourse to our general credit. Collateral in excess of these borrowings represents our maximum loss exposure.

 

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Stock-based compensation. We issue both restricted shares and stock options to certain employees and directors as part of our overall compensation strategy. The Compensation—Stock Compensation Topic of the FASB ASC establishes fair value as the measurement objective in accounting for share-based payment arrangements and requires all entities to apply a fair-value-based measurement method in accounting for share-based payment transactions with employees, except for equity instruments held by employee share ownership plans.

The Company measures stock-based compensation cost at grant date, based on the fair value of the awards ultimately expected to vest. Stock-based compensation expense is recognized on a straight-line basis over the service period. We generally use the Black-Scholes valuation model to measure the fair value of our stock options utilizing various assumptions with respect to expected holding period, risk-free interest rates, stock price volatility and dividend yield. The assumptions are based on subjective future expectations combined with management judgment.

As required by U.S. GAAP, the Company uses its judgment in estimating the amount of awards that are expected to be forfeited, with subsequent revisions to the assumptions if actual forfeitures differ from those estimates. The vesting of certain restricted shares may be accelerated to a minimum of three years based on achievement of various individual performance measures. Acceleration of expense for awards based on individual performance factors occurs when the achievement of the performance criteria is determined.

Nonforfeitable dividends paid on shares of restricted stock are recorded to retained earnings for shares that are expected to vest and to compensation expense for shares that are not expected to vest.

Income taxes. The Income Taxes Topic of the FASB ASC requires the use of the asset and liability method under which deferred taxes are determined based on the estimated future tax effects of differences between the financial statement and tax bases of assets and liabilities, given the provisions of the enacted tax laws. In assessing the realizability of deferred tax assets, management considers whether it is more likely than not that some portion of the deferred tax assets will not be realized. The ultimate realization of deferred tax assets is dependent upon the generation of future taxable income during the periods in which those temporary differences become deductible. Management considers the scheduled reversal of deferred tax liabilities and projected future taxable income in making this assessment. Based upon the level of historical taxable income and projections for future taxable income over the periods which the deferred tax assets are deductible, management believes it is more likely than not that the Company will realize the benefits of these deductible differences.

Significant management judgment is required in determining the provision for income taxes, deferred tax assets and liabilities and any necessary valuation allowance recorded against net deferred tax assets. The process involves summarizing temporary differences resulting from the different treatment of items such as leases for tax and accounting purposes. These differences result in deferred tax assets and liabilities, which are included within the Consolidated Balance Sheets. Our management then assesses the likelihood that deferred tax assets will be recovered from future taxable income or tax carry-back availability and, to the extent our management believes recovery is not likely, a valuation allowance is established. To the extent that we establish a valuation allowance in a period, an expense is recorded within the tax provision in the Consolidated Statements of Operations.

At September 30, 2012, there have been no material changes to the liability for uncertain tax positions and there are no significant unrecognized tax benefits. The periods subject to general examination for the Company’s federal return include the 2006 tax year to the present. The Company files state income tax returns in various states which may have different statutes of limitations. Generally, state income tax returns for years 2005 through the present are subject to examination. The Company has amended its previously filed income tax returns for the years 2006 through 2009, resulting in the recognition of a net tax receivable of approximately $15.4 million as originally discussed in Note 13 to the Company’s Form 10-K for December 31, 2010. These amendments are subject to review by the various jurisdictions.

The Company records penalties and accrued interest related to taxes, including penalties and interest related to uncertain tax positions, in income tax expense. Such adjustments have historically been minimal and immaterial to our financial results.

RESULTS OF OPERATIONS

Comparison of the Three-Month Periods Ended September 30, 2012 and September 30, 2011

Net income. Net income of $3.4 million was reported for the three-month period ended September 30, 2012, resulting in diluted EPS of $0.27, compared to net income of $1.8 million and diluted EPS of $0.14 for the three-month period ended September 30, 2011.

 

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Return on average assets was 2.50% for the three-month period ended September 30, 2012, compared to 1.56% for the three-month period ended September 30, 2011. Return on average equity was 8.08% for the three-month period ended September 30, 2012, compared to 4.53% for the three-month period ended September 30, 2011.

Overall, our average net investment in total finance receivables for the three-month period ended September 30, 2012 increased 24.8% to $448.7 million, compared to $359.5 million for the three-month period ended September 30, 2011. This change was primarily a result of an increase in the number of sales account executives and higher application approval rates, combined with the continued seasoning and development of our sales account executives.

During the three months ended September 30, 2012, we generated 6,227 new leases with a cost of $81.6 million, compared to 4,580 new leases with a cost of $59.7 million generated for the three months ended September 30, 2011. Sales staffing levels increased from 95 sales account executives at September 30, 2011 to 112 sales account executives at September 30, 2012. Approval rates also rose from 60% for the quarter ended September 30, 2011 to 67% for the quarter ended September 30, 2012 due to the improved credit quality of the applications received and adjustments made to credit policy in light of the improved performance of recent years’ lease originations.

For the three-month period ended September 30, 2012 compared to the three-month period ended September 30, 2011, net interest and fee income increased $3.7 million, or 32.2%, primarily due to the impact of the 24.8% million increase in average total finance receivables, combined with a lower cost of funds on liabilities. The provision for credit losses increased $0.6 million, or 75.0%, to $1.4 million for the three-month period ended September 30, 2012 from $0.8 million for the same period in 2011, primarily due to portfolio growth, partially offset by lower charge-offs and improved delinquencies. Other expenses increased $0.6 million, or 6.7%, for the three-month period ended September 30, 2012 compared to the three-month period ended September 30, 2011, primarily due to increased lease origination volume and increased sales compensation expense.

Average balances and net interest margin. The following table summarizes the Company’s average balances, interest income, interest expense and average yields and rates on major categories of interest-earning assets and interest-bearing liabilities for the three-month periods ended September 30, 2012 and September 30, 2011.

 

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      Three Months Ended September 30,  
      2012      2011  
     (Dollars in thousands)  
     Average
Balance(1)
     Interest      Average
Yields/
Rates(2)
    Average
Balance(1)
     Interest      Average
Yields/
Rates(2)
 

Interest-earning assets:

                

Interest-earning deposits with banks

   $ 55,271       $ 17        0.12    $ 47,173        $ 7        0.06 

Restricted interest-earning deposits with banks

     12,071          —           0.01         29,533          1        0.02    

Securities available for sale

     3,337          24        2.83         1,744          14        3.11    

Net investment in leases(3)

     448,211          13,641        12.17         358,753          11,041        12.31    

Loans receivable(3)

     480          6        4.84         699          10        5.47    
  

 

 

    

 

 

      

 

 

    

 

 

    

Total interest-earning assets

     519,370          13,688        10.54         437,902          11,073        10.11    
  

 

 

    

 

 

      

 

 

    

 

 

    

Non-interest-earning assets:

                

Cash and due from banks

     2,530               1,291          

Property and equipment, net

     2,160               2,128          

Property tax receivables

     136               196          

Other assets(4)

     21,130               26,670          
  

 

 

         

 

 

       

Total non-interest-earning assets

     25,956               30,285          
  

 

 

         

 

 

       

Total assets

   $ 545,326           $ 468,187          
  

 

 

         

 

 

       

Interest-bearing liabilities:

                

Deposits(5)

   $ 304,993      $ 899        1.18      139,331        $ 678        1.95 

Long-term borrowings(5)

     40,565          597        5.88         128,860          2,028        6.29    
  

 

 

    

 

 

      

 

 

    

 

 

    

Total interest-bearing liabilities

     345,558          1,496        1.73         268,191          2,706        4.04    
  

 

 

    

 

 

      

 

 

    

 

 

    

Non-interest-bearing liabilities:

                

Sales and property taxes payable

     4,910               4,529          

Accounts payable and accrued expenses

     6,912               8,180          

Net deferred income tax liability

     18,961               25,642          
  

 

 

         

 

 

       

Total non-interest-bearing liabilities

     30,783               38,351          
  

 

 

         

 

 

       

Total liabilities

     376,341               306,542          

Stockholders’ equity

     168,985               161,645          
  

 

 

         

 

 

       

Total liabilities and stockholders’ equity

   $ 545,326           $ 468,187          
  

 

 

         

 

 

       

Net interest income

      $ 12,192           $ 8,367     

Interest rate spread(6)

           8.81  %            6.07 

Net interest margin(7)

           9.39  %            7.64 

Ratio of average interest-earning assets to average interest-bearing liabilities

           150.30            163.28 

 

(1) 

Average balances from January 1, 2012 forward were calculated using average daily balances. Average balances before January 1, 2012 were generally calculated using beginning and ending balances for each month to approximate average daily balances. The average balance of total finance receivables for the three-month period ended September 30, 2012 was decreased by approximately $6.0 million, from $454.7 million to $448.7 million, as a result of this calculation change.

(2) 

Annualized.

(3) 

Average balances of leases and loans include non-accrual leases and loans, and are presented net of unearned income. The average balances of leases and loans do not include the effects of (i) the allowance for credit losses and (ii) initial direct costs and fees deferred.

(4) 

Includes operating leases.

(5)

Includes effect of transaction costs.

(6) 

Interest rate spread represents the difference between the average yield on interest-earning assets and the average rate on interest-bearing liabilities.

(7) 

Net interest margin represents net interest income as a percentage of average interest-earning assets.

 

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The following table presents the components of the changes in net interest income by volume and rate.

 

     Three Months Ended September 30, 2012 Compared To
Three Months Ended September 30, 2011
 
     Increase (Decrease) Due To:  
     Volume(1)     Rate(1)     Total  
     (Dollars in thousands)  

Interest income:

      

Interest-earning deposits with banks

   $ 1      $ 9      $ 10  

Restricted interest-earning deposits with banks

     —          (1 )       (1

Securities available for sale

     11        (1 )       10  

Net investment in leases

     2,724        (124 )       2,600  

Loans receivable

     (3 )       (1 )       (4

Total interest income

     2,131        484        2,615  

Interest expense:

      

Deposits

     567        (346 )       221  

Long-term borrowings

     (1,306     (125 )       (1,431

Total interest expense

     631        (1,841     (1,210

Net interest income

     1,716        2,109        3,825  

 

(1) 

Changes due to volume and rate are calculated independently for each line item presented rather than presenting vertical subtotals for the individual volume and rate columns. Changes attributable to changes in volume represent changes in average balances multiplied by the prior period’s average rates. Changes attributable to changes in rate represent changes in average rates multiplied by the prior year’s average balances. Changes attributable to the combined impact of volume and rate have been allocated proportionately to the change due to volume and the change due to rate.

 

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Net interest and fee margin. The following table summarizes the Company’s net interest and fee income as an annualized percentage of average total finance receivables for the three-month periods ended September 30, 2012 and September 30, 2011.

 

     Three Months Ended September 30,  
     2012     2011  
     (Dollars in thousands)  

Interest income

   $ 13,688     $ 11,073  

Fee income

     2,966       3,105  
  

 

 

   

 

 

 

Interest and fee income

     16,654       14,178  

Interest expense

     1,496       2,706  
  

 

 

   

 

 

 

Net interest and fee income

   $ 15,158     $ 11,472  
  

 

 

   

 

 

 

Average total finance receivables(1)

   $ 448,691     $ 359,451  

Percent of average total finance receivables:

    

Interest income

     12.20     12.32

Fee income

     2.64       3.46  
  

 

 

   

 

 

 

Interest and fee income

     14.84       15.78  

Interest expense

     1.33       3.01  
  

 

 

   

 

 

 

Net interest and fee margin

     13.51     12.77
  

 

 

   

 

 

 

 

(1) 

Total finance receivables include net investment in direct financing leases and loans. For the calculations above, the effects of (i) the allowance for credit losses and (ii) initial direct costs and fees deferred are excluded.

Net interest and fee income increased $3.7 million, or 32.2%, to $15.2 million for the three months ended September 30, 2012 from $11.5 million for the three months ended September 30, 2011. The annualized net interest and fee margin increased 74 basis points to 13.51% in the three-month period ended September 30, 2012 from 12.77% for the same period in 2011.

Interest income, net of amortized initial direct costs and fees, increased $2.6 million, or 23.4%, to $13.7 million for the three-month period ended September 30, 2012 from $11.1 million for the three-month period ended September 30, 2011. The increase in interest income was principally due to the 24.8% increase in average total finance receivables, which increased $89.2 million to $448.7 million at September 30, 2012 from $359.5 million at September 30, 2011, partially offset by a decrease in average yield of 12 basis points. The increase in average total finance receivables was primarily due to an increase in the number of sales account executives and higher application approval rates, combined with the continued seasoning and development of our sales account executives. The average yield on the portfolio decreased, primarily due to lower yields on the new leases compared to the yields on the leases repaying. The weighted average implicit interest rate on new finance receivables originated increased 42 basis points to 12.97% for the three-month period ended September 30, 2012, compared to 12.55% for the three-month period ended September 30, 2011.

Fee income decreased $0.1 million to $3.0 million for the three-month period ended September 30, 2012 compared to $3.1 million for the three-month period ended September 30, 2011. Fee income included approximately $0.8 million of net residual income for the three-month period ended September 30, 2012 and $1.2 million for the three-month period ended September 30, 2011. The decrease in net residual income was primarily due to lower renewal income since fewer leases reached the end of their original contractual terms during 2012, as a result of the lower originations during the 2008 to 2010 timeframe.

Fee income also included approximately $1.9 million in late fee income for the three-month period ended September 30, 2012, which increased 11.8% from $1.7 million for the three-month period ended September 30, 2011. The increase in late fee income was primarily due to the increase in average total finance receivables.

 

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Fee income, as an annualized percentage of average total finance receivables, decreased 82 basis points to 2.64% for the three-month period ended September 30, 2012 from 3.46% for the same period in 2011. Late fees remained the largest component of fee income at 1.70% as a percentage of average total finance receivables for the three-month period ended September 30, 2012, compared to 1.88% for the three-month period ended September 30, 2011. As a percentage of average total finance receivables, net residual income was 0.71% for the three-month period ended September 30, 2012, compared to 1.32% for the three-month period ended September 30, 2011.

Interest expense decreased $1.2 million to $1.5 million for the three-month period ended September 30, 2012 from $2.7 million for the three-month period ended September 30, 2011. The decrease was primarily due to a shift in our funding mix toward lower-cost deposits. Interest expense, as an annualized percentage of average total finance receivables, decreased 168 basis points to 1.33% for the three-month period ended September 30, 2012, from 3.01% for the same period in 2011.

Our wholly-owned subsidiary, MBB, serves as our primary funding source. Fixed-rate FDIC-insured deposits are being raised via the brokered certificates of deposit market and from other financial institutions on a direct basis. Interest expense on deposits was $0.9 million, or 1.18% as an annualized percentage of average deposits, for the three-month period ended September 30, 2012. The average balance of deposits was $305.0 million for the three-month period ended September 30, 2012. Interest expense on deposits was $0.7 million, or 1.95% as an annualized percentage of average deposits, for the three-month period ended September 30, 2011. The average balance of deposits was $139.3 million for the three-month period ended September 30, 2011.

The weighted average interest rate, excluding transaction costs, on borrowings was 3.57% for the quarter ended September 30, 2012, compared to 5.38% for the same period in 2011, primarily due to a shift in mix to variable-rate debt as the term securitization borrowings are repaid, combined with lower interest rates. The average balance for our variable-rate debt was $32.9 million for the three months ended September 30, 2012, compared to $60.9 million for the three months ended September 30, 2011. The weighted average interest rate, excluding transaction costs, for our variable-rate debt was 3.66% for the quarter ended September 30, 2012, compared to 5.31% for the same period in 2011. For the three months ended September 30, 2012, average term securitization borrowings outstanding were $7.6 million at a weighted average coupon of 3.03%, compared to $68.0 million at a weighted average coupon of 5.44% for the same period in 2011.

Insurance income. Insurance income increased $0.2 million to $1.0 million for the three-month period ended September 30, 2012 from $0.8 million for the three-month period ended September 30, 2011, primarily due to a combination of higher billings from higher total finance receivables and lower claims.

Other income. Other income decreased $0.1 million to $0.5 million for the three-month period ended September 30, 2012 from $0.6 million for the three-month period ended September 30, 2011. Other income includes various administrative transaction fees and fees received from lease syndications.

Salaries and benefits expense. Salaries and benefits expense increased $0.4 million, or 7.1%, to $6.0 million for the three month period ended September 30, 2012 from $5.6 million for the same period in 2011. The increase was primarily due to increased sales compensation. Salaries and benefits expense, as an annualized percentage of average total finance receivables, was 5.34% for the three-month period ended September 30, 2012 compared with 6.19% for the same period in 2011.

Total personnel increased to 258 at September 30, 2012 from 247 at September 30, 2011, primarily due to increased sales staffing levels, which were 112 sales account executives at September 30, 2012, compared to 95 sales account executives at September 30, 2011.

General and administrative expense. General and administrative expense increased $0.2 million, or 6.3%, to $3.4 million for the three months ended September 30, 2012 from $3.2 million for the same period in 2011. General and administrative expense as an annualized percentage of average total finance receivables was 3.02% for the three-month period ended September 30, 2012, compared to 3.59% for the three-month period ended September 30, 2011. Selected major components of general and administrative expense for the three-month period ended September 30, 2012 included $0.7 million of premises and occupancy expense, $0.4 million of audit and tax expense and $0.3 million of data processing expense. In comparison, selected major components of general and administrative expense for the three-month period ended September 30, 2011 included $0.7 million of premises and occupancy expense, $0.4 million of audit and tax expense and $0.3 million of data processing expense.

Financing related costs. Financing related costs primarily represent bank commitment fees paid to our financing sources. Financing related costs were $0.3 million for the three-month period ended September 30, 2012 and $0.2 million for the same period in 2011.

 

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Provision for credit losses. The provision for credit losses increased $0.6 million, or 75.0%, to $1.4 million for the three months ended September 30, 2012 from $0.8 million for the same period in 2011. The increase in the provision for credit losses was primarily due to portfolio growth, partially offset by lower charge-offs and improved delinquencies. Net charge-offs were $1.0 million for the three-month period ended September 30, 2012, compared to $1.6 million for the same period in 2011. Net charge-offs as an annualized percentage of average total finance receivables decreased to 0.89% during the three-month period ended September 30, 2012, from 1.73% for the same period in 2011. The allowance for credit losses increased to approximately $5.6 million at September 30, 2012, an increase of $0.2 million from $5.4 million at December 31, 2011.

Additional information regarding asset quality is included herein in the subsequent section, “Finance Receivables and Asset Quality.”

Provision for income taxes. Income tax expense of $2.2 million was recorded for the three-month period ended September 30, 2012, compared to an expense of $1.2 million for the same period in 2011. The change is primarily attributable to the change in pretax income recorded for the three-month period ended September 30, 2012. Our effective tax rate, which is a combination of federal and state income tax rates, was stable at approximately 39.0% for each of the three-month periods ended September 30, 2012 and September 30, 2011.

Comparison of the Nine-Month Periods Ended September 30, 2012 and September 30, 2011

Net income. Net income of $8.1 million was reported for the nine-month period ended September 30, 2012, resulting in diluted EPS of $0.63, compared to net income of $4.1 million and diluted EPS of $0.32 for the nine-month period ended September 30, 2011.

Return on average assets was 2.05% for the nine-month period ended September 30, 2012, compared to 1.17% for the nine-month period ended September 30, 2011. Return on average equity was 6.45% for the nine-month period ended September 30, 2012, compared to 3.40% for the nine-month period ended September 30, 2011.

Overall, our average net investment in total finance receivables for the nine-month period ended September 30, 2012 increased 18.6% to $419.0 million, compared to $353.3 million for the nine-month period ended September 30, 2011. This change was primarily a result of an increase in the number of sales account executives and higher application approval rates, combined with the continued seasoning and development of our sales account executives.

During the nine months ended September 30, 2012, we generated 18,057 new leases with a cost of $234.4 million, compared to 13,086 new leases with a cost of $160.6 million generated for the nine months ended September 30, 2011. Sales staffing levels increased to 112 sales account executives at September 30, 2012 from 95 sales account executives at September 30, 2011. Approval rates also rose from 59% for the nine-month period ended September 30, 2011 to 67% for the nine-month period ended September 30, 2012 due to the improved credit quality of the applications received and adjustments made to credit policy in light of the improved performance of recent years’ lease originations.

For the nine-month period ended September 30, 2012 compared to the nine-month period ended September 30, 2011, net interest and fee income increased $9.1 million, or 27.7%, primarily due to a 18.6% increase in average total finance receivables, combined with a lower cost of funds on liabilities. The provision for credit losses increased $0.6 million, or 20.7%, to $3.5 million for the nine-month period ended September 30, 2012 from $2.9 million for the same period in 2011. The impact of portfolio growth was partially offset by lower charge-offs and improved delinquencies. Other expenses increased $2.3 million, or 8.5%, for the nine-month period ended September 30, 2012, compared to the nine-month period ended September 30, 2011, primarily due to increased lease origination volume, increased sales compensation expense and additional compensation related to the achievement of certain performance criteria determined annually.

Average balances and net interest margin. The following table summarizes the Company’s average balances, interest income, interest expense and average yields and rates on major categories of interest-earning assets and interest-bearing liabilities for the nine-month periods ended September 30, 2012 and September 30, 2011.

 

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      Nine Months Ended September 30,  
      2012      2011  
     (Dollars in thousands)  
     Average
Balance(1)
     Interest      Average
Yields/
Rates(2)
    Average
Balance(1)
     Interest      Average
Yields/
Rates(2)
 

Interest-earning assets:

                

Interest-earning deposits with banks

   $ 55,478      $ 32        0.08    $ 43,460        $ 27        0.09 

Restricted interest-earning deposits with banks

     19,510          1        0.01         37,247          18        0.06    

Securities available for sale

     3,033          65        2.85         1,687          41        3.21    

Net investment in leases (3)

     418,568          38,455        12.25         352,564          32,713        12.37    

Loans receivable (3)

     463          18        5.04         784          37        6.21    
  

 

 

    

 

 

      

 

 

    

 

 

    

Total interest-earning assets

     497,052          38,571        10.35         435,742          32,836        10.05    
  

 

 

    

 

 

      

 

 

    

 

 

    

Non-interest-earning assets:

                

Cash and due from banks

     2,155               1,824          

Property and equipment, net

     2,131               2,155          

Property tax receivables

     803               969          

Other assets (4)

     22,652               27,006          
  

 

 

         

 

 

       

Total non-interest-earning assets

     27,741               31,954          
  

 

 

         

 

 

       

Total assets

   $ 524,793           $ 467,696          
  

 

 

         

 

 

       

Interest-bearing liabilities:

                

Deposits (5)

   $ 267,932        $ 2,534        1.26      113,155        $ 1,883        2.22 

Long-term borrowings (5)

     60,139          2,883        6.39         154,952          7,178        6.18    
  

 

 

    

 

 

      

 

 

    

 

 

    

Total interest-bearing liabilities

     328,071          5,417        2.20         268,107          9,061        4.51    
  

 

 

    

 

 

      

 

 

    

 

 

    

Non-interest-bearing liabilities:

                

Sales and property taxes payable

     3,939               3,859          

Accounts payable and accrued expenses

     5,970               8,340          

Net deferred income tax liability

     20,259               26,019          
  

 

 

         

 

 

       

Total non-interest-bearing liabilities

     30,168               38,218          
  

 

 

         

 

 

       

Total liabilities

     358,239               306,325          

Stockholders’ equity

     166,554               161,371          
  

 

 

         

 

 

       

Total liabilities and stockholders’ equity

   $ 524,793             $ 467,696          
  

 

 

         

 

 

       

Net interest income

      $ 33,154           $ 23,775     

Interest rate spread (6)

           8.15            5.54 

Net interest margin (7)

           8.89            7.27 

Ratio of average interest-earning assets to average interest-bearing liabilities

           151.51            162.53 

 

(1) 

Average balances from January 1, 2012 forward were calculated using average daily balances. Average balances before January 1, 2012 were generally calculated using beginning and ending balances for each month to approximate average daily balances. The average balance of total finance receivables for the nine-month period ended September 30, 2012 was decreased by approximately $5.8 million, from $424.8 million to $419.0 million, as a result of this calculation change.

(2) 

Annualized.

(3) 

Average balances of leases and loans include non-accrual leases and loans, and are presented net of unearned income. The average balances of leases and loans do not include the effects of (i) the allowance for credit losses and (ii) initial direct costs and fees deferred.

(4) 

Includes operating leases.

(5)

Includes effect of transaction costs.

(6) 

Interest rate spread represents the difference between the average yield on interest-earning assets and the average rate on interest-bearing liabilities.

(7) 

Net interest margin represents net interest income as a percentage of average interest-earning assets.

 

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The following table presents the components of the changes in net interest income by volume and rate.

 

     Nine Months Ended September 30, 2012 Compared To
Nine Months Ended September 30, 2011
 
     Increase (Decrease) Due To:  
     Volume(1)     Rate(1)     Total  
     (Dollars in thousands)  

Interest income:

      

Interest-earning deposits with banks

   $ 7      $ (2 )     $ 5  

Restricted interest-earning deposits with banks

     (6 )       (11 )       (17

Securities available for sale

     29        (5 )       24  

Net investment in leases

     6,067        (325 )       5,742  

Loans receivable

     (13 )       (6 )       (19

Total interest income

     4,734        1,001        5,735  

Interest expense:

      

Deposits

     1,730        (1,079     651  

Long-term borrowings

     (4,538     243        (4,295

Total interest expense

     1,711        (5,355     (3,644

Net interest income

     3,634        5,745        9,379  

 

(1) 

Changes due to volume and rate are calculated independently for each line item presented rather than presenting vertical subtotals for the individual volume and rate columns. Changes attributable to changes in volume represent changes in average balances multiplied by the prior period’s average rates. Changes attributable to changes in rate represent changes in average rates multiplied by the prior year’s average balances. Changes attributable to the combined impact of volume and rate have been allocated proportionately to the change due to volume and the change due to rate.

 

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Net interest and fee margin. The following table summarizes the Company’s net interest and fee income as an annualized percentage of average total finance receivables for the nine-month periods ended September 30, 2012 and 2011.

 

      Nine Months Ended September 30,  
      2012      2011  
     (Dollars in thousands)  

Interest income

   $ 38,571     $ 32,836  

Fee income

     8,854       9,163  
  

 

 

   

 

 

 

Interest and fee income

     47,425       41,999  

Interest expense

     5,417       9,061  
  

 

 

   

 

 

 

Net interest and fee income

   $ 42,008     $ 32,938  
  

 

 

   

 

 

 

Average total finance receivables (1)

   $ 419,031     $ 353,348  

Percent of average total finance receivables:

    

Interest income

     12.27     12.39

Fee income

     2.82       3.46  
  

 

 

   

 

 

 

Interest and fee income

     15.09       15.85  

Interest expense

     1.72       3.42  
  

 

 

   

 

 

 

Net interest and fee margin

     13.37     12.43
  

 

 

   

 

 

 

 

(1) 

Total finance receivables include net investment in direct financing leases and loans. For the calculations above, the effects of (i) the allowance for credit losses and (ii) initial direct costs and fees deferred are excluded.

Net interest and fee income increased $9.1 million, or 27.7%, to $42.0 million for the nine months ended September 30, 2012 from $32.9 million for the nine months ended September 30, 2011. The annualized net interest and fee margin increased 94 basis points to 13.37% in the nine-month period ended September 30, 2012 from 12.43% for the same period in 2011.

Interest income, net of amortized initial direct costs and fees, increased $5.8 million, or 17.7%, to $38.6 million for the nine-month period ended September 30, 2012 from $32.8 million for the nine-month period ended September 30, 2011. The increase in interest income was principally due to a 18.6% increase in average total finance receivables, which increased $65.7 million to $419.0 million at September 30, 2012 from $353.3 million at September 30, 2011, partially offset by a decrease in average yield of 12 basis points. The increase in average total finance receivables was primarily due to an increase in the number of sales account executives and higher application approval rates, combined with the continued seasoning and development of our sales account executives. The average yield on the portfolio decreased, primarily due to lower yields on the new leases compared to the yields on the leases repaying. The weighted average implicit interest rate on new finance receivables originated increased 1 basis point to 12.97% for the nine-month period ended September 30, 2012, compared to 12.96% for the nine-month period ended September 30, 2011.

Fee income decreased $0.3 million, or 3.3%, to $8.9 million for the nine-month period ended September 30, 2012 from $9.2 million for the nine-month period ended September 30, 2011. Fee income included approximately $2.7 million of net residual income for the nine-month period ended September 30, 2012, compared to $3.5 million for the nine-month period ended September 30, 2011. The decrease in net residual income was primarily due to lower renewal income since fewer leases reached the end of their original contractual terms during 2012, as a result of the lower originations during the 2008 to 2010 timeframe.

Fee income also included approximately $5.4 million in late fee income for the nine-month period ended September 30, 2012, which increased 8.0% from $5.0 million for the nine-month period ended September 30, 2011. The increase in late fee income was primarily due to the increase in average total finance receivables.

 

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Fee income, as an annualized percentage of average total finance receivables, decreased 64 basis points to 2.82% for the nine-month period ended September 30, 2012 from 3.46% for the same period in 2011. Late fees remained the largest component of fee income at 1.71% as a percentage of average total finance receivables for the nine-month period ended September 30, 2012, compared to 1.88% for the nine-month period ended September 30, 2011. As a percentage of average total finance receivables, net residual income was 0.87% for the nine-month period ended September 30, 2012, compared to 1.32% for the nine-month period ended September 30, 2011.

Interest expense decreased $3.7 million to $5.4 million for the nine-month period ended September 30, 2012 from $9.1 million for the nine-month period ended September 30, 2011. The decrease was primarily due to a shift in our funding mix toward lower cost deposits. Interest expense, as an annualized percentage of average total finance receivables, decreased 170 basis points to 1.72% for the nine-month period ended September 30, 2012, from 3.42% for the same period in 2011.

Our wholly-owned subsidiary, MBB, serves as our primary funding source through the issuance of fixed-rate FDIC-insured certificates of deposit. Interest expense on deposits was $2.5 million, or 1.26% as an annualized percentage of average deposits, for the nine-month period ended September 30, 2012. The average balance of deposits was $267.9 million for the nine-month period ended September 30, 2012. Interest expense on deposits was $1.9 million, or 2.22% as an annualized percentage of average deposits, for the nine-month period ended September 30, 2011. The average balance of deposits was $113.2 million for the nine-month period ended September 30, 2011.

The weighted average interest rate, excluding transaction costs, on borrowings was 4.81% for the nine-month period ended September 30, 2012, compared to 5.35% for the same period in 2011, primarily due to a shift in mix to variable-rate debt as the term securitization borrowings are repaid, combined with lower interest rates. The average balance for our variable-rate debt was $39.7 million for the nine months ended September 30, 2012, compared to $64.1 million for the nine months ended September 30, 2011. The weighted average interest rate, excluding transaction costs, for our variable-rate debt was 4.73% for the nine-month period ended September 30, 2012, compared to 5.32% for the same period in 2011. For the nine months ended September 30, 2012, average term securitization borrowings outstanding were $20.4 million at a weighted average coupon of 4.97%, compared to $90.8 million at a weighted average coupon of 5.37% for the same period in 2011.

Insurance income. Insurance income increased $0.4 million to $3.1 million for the nine-month period ended September 30, 2012 from $2.7 million for the nine-month period ended September 30, 2011, primarily due to higher billings and lower claims.

Other income. Other income decreased to $1.1 million for the nine-month period ended September 30, 2012 from $1.3 million for the nine-month period ended September 30, 2011. Other income includes various administrative transaction fees and fees received from lease syndications.

Salaries and benefits expense. Salaries and benefits expense increased $1.8 million, or 10.7%, to $18.7 million for the nine months ended September 30, 2012 from $16.9 million for the same period in 2011. The increase was primarily due to increased sales compensation and additional compensation related to the achievement of certain performance criteria determined annually. Salaries and benefits expense, as an annualized percentage of average total finance receivables, was 5.94% for the nine-month period ended September 30, 2012 compared with 6.37% for the same period in 2011. Total personnel increased to 258 at September 30, 2012 from 247 at September 30, 2011, primarily due to increased sales staffing levels, which were 112 sales account executives at September 30, 2012, compared to 95 sales account executives at September 30, 2011.

In the first nine months of 2012, we increased the number of our sales account executives by 19, from 93 sales account executives at December 31, 2011 to 112 at September 30, 2012. This action continued our plan to rebuild the sales organization to increase originations and match the level of originations to our current funding capacity.

General and administrative expense. General and administrative expense increased $0.4 million, or 4.1%, to $10.2 million for the nine months ended September 30, 2012 from $9.8 million for the same period in 2011. General and administrative expense as an annualized percentage of average total finance receivables was 3.24% for the nine-month period ended September 30, 2012, compared to 3.71% for the nine-month period ended September 30, 2011. Selected major components of general and administrative expense for the nine-month period ended September 30, 2012 included $2.0 million of premises and occupancy expense, $1.0 million of audit and tax expense and $0.9 million of data processing expense. In comparison, selected major components of general and administrative expense for the nine-month period ended September 30, 2011 included $2.1 million of premises and occupancy expense, $1.3 million of audit and tax expense and $0.7 million of data processing expense.

 

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Financing related costs. Financing related costs primarily represent bank commitment fees paid to our financing sources. Financing related costs increased $0.1 million, or 20.0%, to $0.6 million for the nine months ended September 30, 2012 from $0.5 million for the same period in 2011. The change is primarily due to higher average commitment levels outstanding during the current period.

Provision for credit losses. The provision for credit losses increased $0.6 million, or 20.7%, to $3.5 million for the nine-month period ended September 30, 2012 from $2.9 million for the same period in 2011. The impact of portfolio growth was partially offset by lower charge-offs and improved delinquencies. Net charge-offs were $3.3 million for the nine-month period ended September 30, 2012, compared to $5.2 million for the same period in 2011. Net charge-offs as an annualized percentage of average total finance receivables decreased to 1.05% during the nine-month period ended September 30, 2012, from 1.96% for the same period in 2011. The allowance for credit losses increased to $5.6 million at September 30, 2012, an increase of $0.2 million from $5.4 million at December 31, 2011.

Additional information regarding asset quality is included herein in the subsequent section, “Finance Receivables and Asset Quality.”

Provision for income taxes. Income tax expense of $5.1 million was recorded for the nine-month period ended September 30, 2012, compared to an expense of $2.6 million for the same period in 2011. The change is primarily attributable to the change in pretax income recorded for the nine-month period ended September 30, 2012. Our effective tax rate, which is a combination of federal and state income tax rates, was approximately 38.7% for the nine-month period ended September 30, 2012, compared to 38.4% for the nine-month period ended September 30, 2011. The change in effective tax rate is primarily due to a change in the mix of projected pretax book income across the jurisdictions and entities.

FINANCE RECEIVABLES AND ASSET QUALITY

Our net investment in leases and loans increased $84.3 million, or 21.7%, to $472.1 million at September 30, 2012 from $387.8 million at December 31, 2011. We continue to adjust our credit underwriting guidelines in response to current economic conditions, and we continue to develop our sales organization to increase originations. A portion of the Company’s lease portfolio is generally assigned as collateral for borrowings as described below in “Liquidity and Capital Resources.”

 

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The chart which follows provides our asset quality statistics for each of the three- and nine-month periods ended September 30, 2012 and September 30, 2011, and the year ended December 31, 2011:

 

    Three Months Ended
September 30,
    Nine Months Ended
September 30,
    Year Ended
December 31,
 
    2012     2011     2012     2011     2011  
    (Dollars in thousands)  

Allowance for credit losses, beginning of period

  $ 5,197     $ 6,175     $ 5,353     $ 7,718     $ 7,718  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Charge-offs

    (1,429     (2,029     (4,571     (6,904     (8,624

Recoveries

    426       476       1,280       1,705       2,125  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net charge-offs

    (1,003     (1,553     (3,291     (5,199     (6,499
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Provision for credit losses

    1,414       837       3,546       2,940       4,134  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Allowance for credit losses, end of period (1)

  $ 5,608     $ 5,459     $ 5,608     $ 5,459     $ 5,353  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Annualized net charge-offs to average total finance receivables (2)

    0.89     1.73     1.05     1.96     1.81

Allowance for credit losses to total finance receivables, end of period (2)

    1.20     1.49     1.20     1.49     1.39

Average total finance receivables (2)

  $ 448,691     $ 359,451     $ 419,031     $ 353,348     $ 358,326  

Total finance receivables, end of period (2)

  $ 468,722     $ 365,610     $ 468,722     $ 365,610     $ 385,984  

Delinquencies greater than 60 days past due

  $ 2,173     $ 1,934     $ 2,173     $ 1,934     $ 1,663  

Delinquencies greater than 60 days past due (3)

    0.40     0.47     0.40     0.47     0.38

Allowance for credit losses to delinquent accounts greater than 60 days past due (3)

    258.08     282.26     258.08     282.26     321.89

Non-accrual leases and loans, end of period

  $ 989     $ 1,151     $ 989     $ 1,151     $ 829  

Renegotiated leases and loans, end of period

  $ 704     $ 1,304     $ 704     $ 1,304     $ 1,052  

Accruing leases and loans past due 90 days or more

  $ —        $ —        $ —        $ —        $ —     

Interest income included on non-accrual leases and loans (4)

  $ 14     $ 12     $ 65     $ 70     $ 85  

Interest income excluded on non-accrual leases and loans (5)

  $ 12     $ 13     $ 14     $ 23     $ 23  

 

(1) 

At September 30, 2012, December 31, 2011 and September 30, 2011, there was no allowance for credit losses allocated to loans.

(2) 

Total finance receivables include net investment in direct financing leases and loans. For purposes of asset quality and allowance calculations, the effects of (i) the allowance for credit losses and (ii) initial direct costs and fees deferred are excluded.

(3) 

Calculated as a percent of total minimum lease payments receivable for leases and as a percent of principal outstanding for loans.

(4) 

Represents interest which was recognized during the period on non-accrual loans and leases, prior to non-accrual status.

(5) 

Represents interest which would have been recorded on non-accrual loans and leases had they performed in accordance with their contractual terms during the period.

Net investments in finance receivables are generally charged-off when they are contractually past due for 121 days. Income is not recognized on leases or loans when a default on monthly payment exists for a period of 90 days or more. Income recognition resumes when a lease or loan becomes less than 90 days delinquent.

 

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Net charge-offs for the three months ended September 30, 2012 were $1.0 million (0.89% of average total finance receivables on an annualized basis), compared to $1.1 million (1.04% of average total finance receivables on an annualized basis) for the three months ended June 30, 2012 and $1.6 million (1.73% of average total finance receivables on an annualized basis) for the three months ended September 30, 2011. The decrease from the second quarter of 2011 was due to a lower charge-off rate as a percentage of average total finance receivables, partially offset by the growth in average total finance receivables.

Net charge-offs for the nine-month period ended September 30, 2012 were $3.3 million (1.05% of average total finance receivables on an annualized basis), compared to $5.2 million (1.96% of average total finance receivables on an annualized basis) for the nine-month period ended September 30, 2011. The $1.9 million decrease was primarily due to a lower charge-off rate as a percentage of average total finance receivables, partially offset by the growth in average total finance receivables.

Delinquent accounts 60 days or more past due (as a percentage of minimum lease payments receivable for leases and as a percentage of principal outstanding for loans) were 0.40% at September 30, 2012 and 0.38% at December 31, 2011, compared to 0.47% at September 30, 2011. Supplemental information regarding loss statistics and delinquencies is available on the investor relations section of Marlin’s website at www.marlincorp.com.

In accordance with the Contingencies Topic of the FASB ASC, we maintain an allowance for credit losses at an amount sufficient to absorb losses inherent in our existing lease and loan portfolios as of the reporting dates based on our projection of probable net credit losses. The factors and trends discussed above were included in the Company’s analysis to determine its allowance for credit losses. (See “Critical Accounting Policies.”)

RESIDUAL PERFORMANCE

Our leases offer our end user customers the option to own the equipment at lease expiration. As of September 30, 2012, approximately 67% of our leases were one dollar purchase option leases, 31% were fair market value leases and 2% were fixed purchase option leases, the latter of which typically contain an end-of-term purchase option equal to 10% of the original equipment cost. As of September 30, 2012, there were $30.5 million of residual assets retained on our Condensed Consolidated Balance Sheet, of which $24.4 million, or 80.0%, were related to copiers. As of December 31, 2011, there were $32.7 million of residual assets retained on our Condensed Consolidated Balance Sheet, of which $26.5 million, or 80.9%, were related to copiers. No other group of equipment represented more than 10% of equipment residuals as of September 30, 2012 and December 31, 2011, respectively. Improvements in technology and other market changes, particularly in copiers, could adversely impact our ability to realize the recorded residual values of this equipment.

Fee income included approximately $0.8 million and $1.2 million of net residual income for the three-month periods ended September 30, 2012 and September 30, 2011, respectively. Fee income included approximately $2.7 million and $3.5 million of net residual income for the nine-month periods ended September 30, 2012 and September 30, 2011, respectively. Net residual income includes income from lease renewals and gains and losses on the realization of residual values of leased equipment disposed at the end of term as further described below.

Our leases generally include renewal provisions and many leases continue beyond their initial contractual term. Based on the Company’s experience, the amount of ultimate realization of the residual value tends to relate more to the customer’s election at the end of the lease term to enter into a renewal period, purchase the leased equipment or return the leased equipment than it does to the equipment type. We consider renewal income a component of residual performance. Renewal income net of depreciation totaled approximately $1.6 million and $1.9 million for the three-month periods ended September 30, 2012 and September 30, 2011, respectively. Renewal income net of depreciation totaled approximately $5.2 million and $5.7 million for the nine-month periods ended September 30, 2012 and September 30, 2011, respectively. The decline in renewal income was primarily due to fewer leases reaching the end of their original contractual terms during 2012, as a result of the lower originations during the 2008 to 2010 timeframe.

For the three months ended September 30, 2012, the net loss on residual values disposed at end of term totaled $0.8 million, compared to a net loss of $0.7 million for the three months ended September 30, 2011. For the nine months ended September 30, 2012, the net loss on residual values disposed at end of term totaled $2.4 million, compared to a net loss of $2.2 million for the nine months ended September 30, 2011. The primary driver of the changes was a shift in the mix of the amounts and types of equipment disposed at the end of the applicable lease term. Historically, our net residual income has exceeded 100% of the residual recorded on such leases. Management performs periodic reviews of the estimated residual values and historical realization statistics no less frequently than

 

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quarterly. There was no impairment recognized on estimated residual values during the nine-month periods ended September 30, 2012 and September 30, 2011, respectively.

LIQUIDITY AND CAPITAL RESOURCES

Our business requires a substantial amount of cash to operate and grow. Our primary liquidity need is for new originations. In addition, we need liquidity to pay interest and principal on our deposits and borrowings, to pay fees and expenses incurred in connection with our financing transactions, to fund infrastructure and technology investment, to pay dividends and to pay administrative and other operating expenses.

We are dependent upon the availability of financing from a variety of funding sources to satisfy these liquidity needs. Historically, we have relied upon four principal types of third-party financing to fund our operations:

 

   

FDIC-insured certificates of deposit issued by our wholly-owned subsidiary, MBB;

 

   

borrowings under revolving, short-term or long-term bank facilities;

 

   

financing of leases and loans in various warehouse facilities (all of which have since been repaid in full); and

 

   

financing of leases through term note securitizations.

Through the issuance of FDIC-insured certificates of deposit, MBB serves as the Company’s primary funding source. Over time, MBB may offer other products and services to the Company’s customer base. MBB is a Utah state-chartered, Federal Reserve member commercial bank. As a state-chartered Federal Reserve member bank, MBB is supervised by both the Federal Reserve Bank of San Francisco and the Utah Department of Financial Institutions.

On January 13, 2009, Marlin Business Services Corp. became a bank holding company and is subject to the Bank Holding Company Act and supervised by the Federal Reserve Bank of Philadelphia. On September 15, 2010, the Federal Reserve Bank of Philadelphia confirmed the effectiveness of Marlin Business Services Corp.’s election to become a financial holding company (while remaining a bank holding company) pursuant to Sections 4(k) and (l) of the Bank Holding Company Act and Section 225.82 of the Federal Reserve Board’s Regulation Y. Such election permits Marlin Business Services Corp. to engage in activities that are financial in nature or incidental to a financial activity, including the maintenance and expansion of our reinsurance activities conducted through our wholly-owned subsidiary, AssuranceOne.

Our strategy has generally included funding new originations, other than those funded by MBB, in the short-term with cash from operations or through borrowings under various warehouse and loan facilities. Historically, we executed a term note securitization approximately once a year to refinance and relieve the warehouse and loan facilities. Due to the impact on borrowing costs from unfavorable market conditions and the available capacity in our warehouse and loan facilities at that time, the Company elected not to complete fixed-rate term note securitizations in 2008 or 2009. With the opening of MBB in 2008, we began to fund increasing amounts of new originations through the issuance of FDIC-insured certificates of deposit. We anticipate that such certificates of deposit issued by MBB will represent our primary funding source for new originations for the foreseeable future.

On October 9, 2009, Marlin Business Services Corp.’s wholly-owned subsidiary, Marlin Receivables Corp. (“MRC”), closed on a $75.0 million, three-year committed loan facility with the Lender Finance division of Wells Fargo Capital Finance. The facility is secured by a lien on MRC’s assets and is supported by guaranties from Marlin Business Services Corp. and Marlin Leasing Corporation. Advances under the facility are made pursuant to a borrowing base formula, and the proceeds are used to fund lease originations. On June 26, 2012, the facility was amended to extend the maturity date to October 9, 2015.

On February 12, 2010, we completed an $80.7 million TALF-eligible term asset-backed securitization, of which we elected to defer the issuance of subordinated notes totaling $12.5 million. This transaction earned a AAA rating. As with all of the Company’s prior term note securitizations, this financing provides the Company with fixed-cost borrowing and is recorded in long-term borrowings in the Consolidated Balance Sheets.

This was a private offering made to qualified institutional buyers pursuant to Rule 144A under the 1933 Act by Marlin Leasing Receivables XII LLC, a wholly-owned subsidiary of Marlin Leasing Corporation. DBRS, Inc. and Standard & Poor’s Ratings Services assigned a AAA rating to the senior tranche of this offering. The effective weighted average interest expense over the term of the financing is expected to be approximately 3.13%.

 

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On September 24, 2010, the Company’s affiliate, Marlin Leasing Receivables XIII LLC (“MLR XIII”), closed on a $50.0 million three-year committed loan facility with Key Equipment Finance Inc. The facility is secured by a lien on MLR XIII’s assets. Advances under the facility are made pursuant to a borrowing base formula, and the proceeds are used to fund lease originations. The maturity date of the facility is September 23, 2013. An event of default such as non-payment of amounts when due under the loan agreement or a breach of covenants may accelerate the maturity date of the facility. (See Financial Covenants section which follows in this Item 2.)

On April 16, 2012, the Company elected to exercise its call option and pay off the remaining $16.9 million of its 2007 term note securitization. This note repayment in full released approximately $15.4 million in restricted cash previously held by the trustee under such term note securitization.

The Company declared a dividend of $0.08 per share on August 2, 2012. The quarterly dividend was paid on August 23, 2012 to shareholders of record on the close of business on August 13, 2012, which resulted in a dividend payment of approximately $1.0 million. It represented the Company’s fourth consecutive quarterly cash dividend. The payment of future dividends will be subject to approval by the Company’s Board of Directors.

At September 30, 2012, we had approximately $67.0 million of available borrowing capacity in addition to available cash and cash equivalents of $70.0 million. This amount excludes additional liquidity that may be provided by the issuance of insured certificates of deposit through MBB. Our debt to equity ratio was 2.19 to 1 at September 30, 2012 and 1.77 to 1 at December 31, 2011.

Net cash used in investing activities was $72.9 million for the nine-month period ended September 30, 2012, compared to net cash used in investing activities of $3.6 million for the nine-month period ended September 30, 2011. Investing activities primarily relate to lease payment activity.

Net cash provided by financing activities was $81.4 million for the nine-month period ended September 30, 2012, compared to net cash used in financing activities of $3.0 million for the nine-month period ended September 30, 2011. Financing activities include net advances and repayments on our various deposit and borrowing sources and transactions related to the Company’s common stock, such as repurchasing common stock and paying dividends.

Additional liquidity is provided by or used by our cash flow from operations. Net cash provided by operating activities was $19.3 million for the nine-month period ended September 30, 2012, compared to net cash provided by operating activities of $17.9 million for the nine-month period ended September 30, 2011.

We expect cash from operations, additional borrowings on existing and future credit facilities and funds from certificates of deposit through brokers and direct deposit sources to be adequate to support our operations and projected growth for the next 12 months and the foreseeable future.

Total Cash and Cash Equivalents. Our objective is to maintain an adequate level of cash, investing any free cash in leases and loans. We primarily fund our originations and growth using certificates of deposit issued through MBB and advances under our long-term bank facilities. Total cash and cash equivalents available as of September 30, 2012 totaled $70.0 million, compared to $42.3 million at December 31, 2011.

Restricted Interest-earning Deposits with Banks. As of September 30, 2012, we also had $10.7 million of cash that was classified as restricted interest-earning deposits with banks, compared to $28.6 million at December 31, 2011. Restricted interest-earning deposits with banks consist primarily of various trust accounts related to our secured debt facilities. Therefore, these balances generally decline as the term securitization borrowings are repaid.

Borrowings. Our primary borrowing relationships each require the pledging of eligible lease and loan receivables to secure amounts advanced. Our aggregate outstanding secured borrowings amounted to $33.1 million at September 30, 2012 and $92.0 million at December 31, 2011. Borrowings outstanding consist of the following:

 

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     For the Nine Months Ended September 30, 2012     As of September 30, 2012  
     Maximum
Facility
Amount
     Maximum
Month End
Amount
Outstanding
     Average
Amount
Outstanding
     Weighted
Average
Rate(3)
    Amount
Outstanding
     Weighted
Average
Rate(3)
    Unused
Capacity(1)
 
     (Dollars in thousands)  

Federal funds purchased

   $ 10,000      $ —         $ —           —     $ —           —     $ 10,000   

Term note securitizations (2)

     —           40,808        20,392        4.97      5,790        2.87      —     

Long-term loan facilities

     84,317        50,343        39,747        4.73      27,293        3.26      57,024   
  

 

 

       

 

 

      

 

 

      

 

 

 
   $ 94,317         $ 60,139        4.81    $ 33,083        3.19    $ 67,024   
  

 

 

       

 

 

      

 

 

      

 

 

 

 

(1) 

Does not include MBB’s access to the Federal Reserve Discount Window, which is based on the amount of assets MBB chooses to pledge. Based on assets pledged at September 30, 2012, MBB had $17.6 million in unused, secured borrowing capacity at the Federal Reserve Discount Window. Additional liquidity that may be provided by the issuance of insured deposits is also excluded from this table.

(2) 

Our term note securitizations are one-time fundings that pay down over time without any ability for us to draw down additional amounts.

(3) 

Does not include transaction costs.

Federal Funds Line of Credit with Correspondent Bank

MBB has established a federal funds line of credit with a correspondent bank. This line allows for both selling and purchasing of federal funds. The amount that can be drawn against the line is limited to $10.0 million.

Federal Reserve Discount Window

In addition, MBB has received approval to borrow from the Federal Reserve Discount Window based on the amount of assets MBB chooses to pledge. Based on assets pledged at September 30, 2012, MBB had $17.6 million in unused, secured borrowing capacity at the Federal Reserve Discount Window.

Term Note Securitizations

On February 12, 2010, we completed an $80.7 million TALF-eligible term asset-backed securitization, of which we elected to defer the issuance of subordinated notes totaling $12.5 million. This transaction was Marlin’s tenth term note securitization and the fifth to earn a AAA rating. As with all of the Company’s prior term note securitizations, this financing provided the Company with fixed-cost borrowing and is recorded in long-term borrowings in the Consolidated Balance Sheets.

This was a private offering made to qualified institutional buyers pursuant to Rule 144A under the 1933 Act by Marlin Leasing Receivables XII LLC, a wholly-owned subsidiary of Marlin Leasing Corporation. DBRS, Inc. and Standard & Poor’s Ratings Services assigned a AAA rating to the senior tranche of this offering. The effective weighted average interest expense over the term of the financing is expected to be approximately 3.13%.

Since our founding through September 30, 2012, we have completed 10 on-balance-sheet term note securitizations, of which one remains outstanding. In connection with each securitization transaction, we have transferred leases to our wholly-owned SPEs and issued term debt collateralized by such commercial leases to institutional investors in private securities offerings. These SPEs are considered VIEs under U.S. GAAP. We are required to consolidate VIEs in which we are deemed to be the primary beneficiary through having (1) power over the significant activities of the entity and (2) an obligation to absorb losses or the right to receive benefits from the VIE which are potentially significant to the VIE. We continue to service the assets of our VIEs and retain equity and/or residual interests. Accordingly, assets and related debt of these VIEs are included in the accompanying Consolidated Balance Sheets. Our leases and restricted interest-earning deposits with banks are assigned as collateral for these borrowings and there is no further recourse to our general credit. Collateral in excess of these borrowings represents our maximum loss exposure. Our term note

 

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securitizations have fixed terms, fixed interest rates and fixed principal amounts. At September 30, 2012 and at December 31, 2011, outstanding term securitizations amounted to $5.8 million and $45.1 million, respectively.

Long-term Loan Facilities

On October 9, 2009, Marlin Business Services Corp.’s wholly-owned subsidiary, MRC, closed on a $75.0 million, three-year committed loan facility with the Lender Finance division of Wells Fargo Capital Finance. The facility is secured by a lien on MRC’s assets and is supported by guaranties from Marlin Business Services Corp. and Marlin Leasing Corporation. Advances under the facility are made pursuant to a borrowing base formula, and the proceeds are used to fund lease originations. In contrast to previous warehouse facilities, this long-term loan facility does not require annual refinancing. As previously disclosed, on June 26, 2012, certain provisions of the facility were amended and its maturity date was extended from October 9, 2012 to October 9, 2015. An event of default, such as non-payment of amounts when due under the loan agreement or a breach of covenants, may accelerate the maturity date of the facility.

On September 24, 2010, the Company’s affiliate, MLR XIII, closed on a $50.0 million three-year committed loan facility with Key Equipment Finance Inc. The facility is secured by a lien on MLR XIII’s assets. Advances under the facility are made pursuant to a borrowing base formula, and the proceeds are used to fund lease originations. The maturity date of the facility is September 23, 2013. An event of default such as non-payment of amounts when due under the loan agreement or a breach of covenants may accelerate the maturity date of the facility.

Financial Covenants

Our secured borrowing arrangements contain numerous covenants, restrictions and default provisions that we must comply with in order to obtain funding through the facilities and to avoid an event of default. A change in the Chief Executive Officer, Chief Operating Officer or Chief Financial Officer is an event of default under our long-term loan facilities, unless we hire a replacement acceptable to our lenders within 120 days.

A merger or consolidation with another company in which the Company is not the surviving entity is also an event of default under the financing facilities. The Company’s long-term loan facilities contain acceleration clauses allowing the creditor to accelerate the scheduled maturities of the obligation under certain conditions that may not be objectively determinable (for example, if a “material adverse change” occurs). An event of default under any of the facilities could result in an acceleration of amounts outstanding under the facilities, foreclosure on all or a portion of the leases financed by the facilities and/or the removal of the Company as servicer of the leases financed by the facility.

Some of the critical financial and credit quality covenants under our borrowing arrangements as of September 30, 2012 include:

 

     Actual(1)     Requirement  

Tangible net worth minimum

   $ 171.5 million      $ 147.7 million   

Debt-to-equity ratio maximum

     2.17 to 1        5.5 to 1   

Maximum servicer senior leverage ratio

     0.31 to 1        4.0 to 1   

Four-quarter rolling average interest coverage ratio minimum

     5.08 to 1        1.50 to 1   

Maximum portfolio delinquency ratio

     0.40 %       3.50

Maximum gross charge-off ratio

     1.53 %       7.00

 

(1) 

Calculations are based on specific contractual definitions and subsidiaries per the applicable debt agreements, which may differ from ratios or amounts presented elsewhere in this document.

As of September 30, 2012, the Company was in compliance with terms of the long-term loan facilities and the term note securitization agreements.

 

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Bank Capital and Regulatory Oversight

On January 13, 2009, we became a bank holding company by order of the Federal Reserve Board and are subject to regulation under the Bank Holding Company Act. All of our subsidiaries may be subject to examination by the Federal Reserve Board even if not otherwise regulated by the Federal Reserve Board. On September 15, 2010, the Federal Reserve Bank of Philadelphia confirmed the effectiveness of our election to become a financial holding company (while remaining a bank holding company) pursuant to Sections 4(k) and (l) of the Bank Holding Company Act and Section 225.82 of the Federal Reserve Board’s Regulation Y. Such election permits us to engage in activities that are financial in nature or incidental to a financial activity, including the maintenance and expansion of our reinsurance activities conducted through our wholly-owned subsidiary, AssuranceOne.

MBB is also subject to comprehensive federal and state regulations dealing with a wide variety of subjects, including minimum capital standards, reserve requirements, terms on which a bank may engage in transactions with its affiliates, restrictions as to dividend payments and numerous other aspects of its operations. These regulations generally have been adopted to protect depositors and creditors rather than shareholders.

There are a number of restrictions on bank holding companies that are designed to minimize potential loss to depositors and the FDIC insurance funds. If an FDIC-insured depository subsidiary is “undercapitalized,” the bank holding company is required to ensure (subject to certain limits) the subsidiary’s compliance with the terms of any capital restoration plan filed with its appropriate banking agency. Also, a bank holding company is required to serve as a source of financial strength to its depository institution subsidiaries and to commit resources to support such institutions in circumstances where it might not do so absent such policy. Under the Bank Holding Company Act, the Federal Reserve Board has the authority to require a bank holding company to terminate any activity or to relinquish control of a non-bank subsidiary upon the Federal Reserve Board’s determination that such activity or control constitutes a serious risk to the financial soundness and stability of a depository institution subsidiary of the bank holding company.

Capital Adequacy. Under the risk-based capital requirements applicable to them, bank holding companies must maintain a ratio of total capital to risk-weighted assets (including the asset equivalent of certain off-balance sheet activities such as acceptances and letters of credit) of not less than 8% (10% in order to be considered “well-capitalized”). At least 4% of the total capital (6% to be well-capitalized) must be composed of common stock, related surplus, retained earnings, qualifying perpetual preferred stock and minority interests in the equity accounts of certain consolidated subsidiaries, after deducting goodwill and certain other intangibles (“Tier 1 Capital”). The remainder of total capital (“Tier 2 Capital”) may consist of certain perpetual debt securities, mandatory convertible debt securities, hybrid capital instruments and limited amounts of subordinated debt, qualifying preferred stock, allowance for credit losses on loans and leases, allowance for credit losses on off-balance-sheet credit exposures and unrealized gains on equity securities.

The Federal Reserve Board has also established minimum leverage ratio guidelines for bank holding companies. These guidelines mandate a minimum leverage ratio of Tier 1 Capital to adjusted quarterly average total assets less certain amounts (“leverage amounts”) equal to 3% for bank holding companies meeting certain criteria (including those having the highest regulatory rating). All other banking organizations are generally required to maintain a leverage ratio of at least 3% plus an additional cushion of at least 100 basis points and in some cases more. The Federal Reserve Board’s guidelines also provide that bank holding companies experiencing internal growth or making acquisitions are expected to maintain capital positions substantially above the minimum supervisory levels without significant reliance on intangible assets. Furthermore, the guidelines indicate that the Federal Reserve Board will continue to consider a “tangible tier 1 leverage ratio” (i.e., after deducting all intangibles) in evaluating proposals for expansion or new activities. MBB is subject to similar capital standards promulgated by the Federal Reserve Board.

Bank holding companies are required to comply with the Federal Reserve Board’s risk-based capital guidelines that require a minimum ratio of total capital to risk-weighted assets of 8%. At least half of the total capital is required to be Tier 1 Capital. In addition to the risk-based capital guidelines, the Federal Reserve Board has adopted a minimum leverage capital ratio under which a bank holding company must maintain a level of Tier 1 Capital to average total consolidated assets of at least 3% in the case of a bank holding company which has the highest regulatory examination rating and is not contemplating significant growth or expansion. All other bank holding companies are expected to maintain a leverage capital ratio of at least 4%.

At September 30, 2012, MBB’s Tier 1 leverage ratio, Tier 1 risk-based capital ratio and total risk-based capital ratio were 16.85%, 16.55% and 17.56%, respectively, which exceeds requirements for well-capitalized status of 5%, 6% and 10%, respectively. At September 30, 2012, Marlin Business Services Corp.’s Tier 1 leverage ratio, Tier 1 risk-based capital ratio and total risk-based capital ratio were 31.22%, 33.30% and 34.40%, respectively, which exceeds requirements for well-capitalized status of 5%, 6% and 10%, respectively.

 

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Pursuant to the FDIC Agreement, MBB is required to keep its total risk-based capital ratio above 15%. MBB’s Tier 1 Capital balance at September 30, 2012 was $66.2 million, which exceeds the regulatory threshold for “well capitalized” status. Until March 12, 2011, MBB operated in accordance with its original de novo three-year business plan as required by the original order issued by the FDIC when the Company opened MBB. In March 2011, following the expiration of MBB’s three-year de novo period, the Company provided MBB with $25.0 million of additional capital to support future growth. In February 2012, the Company provided MBB with an additional capital contribution of $10.0 million for growth.

Information on Stock Repurchases

Information on Stock Repurchases is provided in “Part II. Other Information, Item 2, Unregistered Sales of Equity Securities and Use of Proceeds” herein.

Items Subsequent to September 30, 2012

The Company declared a dividend of $0.08 per share on October 29, 2012. The quarterly dividend, which is expected to result in a dividend payment of approximately $1.0 million, is scheduled to be paid on November 26, 2012 to shareholders of record on the close of business on November 12, 2012. It represents the Company’s fifth consecutive quarterly cash dividend. The payment of future dividends will be subject to approval by the Company’s Board of Directors.

Contractual Obligations (excluding Deposits)

In addition to our scheduled maturities on our credit facilities and term debt, we have future cash obligations under various types of contracts. We lease office space and office equipment under long-term operating leases. The contractual obligations under our agreements, credit facilities, term note securitizations, operating leases and commitments under non-cancelable contracts as of September 30, 2012 were as follows:

 

     Contractual Obligations as of September 30, 2012  
                  Operating      Leased      Capital         

Period Ending December 31,

   Borrowings      Interest(1)     Leases      Facilities      Leases      Total  
     (Dollars in thousands)  

2012

   $ 11,419      $ 260       $ 1      $ 417      $ 29      $ 12,126  

2013

     3,603        543         4        789        115        5,054  

2014

     18,057        384         4        141        85        18,671  

2015

     4        —          —           —           —           4  

2016

     —           —          —           —           —           —     
  

 

 

    

 

 

   

 

 

    

 

 

    

 

 

    

 

 

 

Total

   $ 33,083      $ 1,187       $ 9      $ 1,347      $ 229      $ 35,855  
  

 

 

    

 

 

   

 

 

    

 

 

    

 

 

    

 

 

 

 

(1) 

Interest on the variable-rate long-term loan facilities is assumed at the September 30, 2012 rate for the remaining term.

This table excludes time deposits. Deposit maturities are presented in Note 7 to the Company’s Unaudited Condensed Consolidated Financial Statements in Item 1 herein. There were no off-balance sheet arrangements requiring disclosure at September 30, 2012.

MARKET INTEREST RATE RISK AND SENSITIVITY

Market risk is the risk of losses arising from changes in values of financial instruments. We engage in transactions in the normal course of business that expose us to market risks. We attempt to mitigate such risks through prudent management practices and strategies such as attempting to match the expected cash flows of our assets and liabilities.

We are exposed to market risks associated with changes in interest rates and our earnings may fluctuate with changes in interest rates. The lease assets we originate are almost entirely fixed-rate. Accordingly, we generally seek to finance these assets with fixed interest borrowings and certificates of deposit that the Company issues periodically. Between term note securitization issues, we have historically financed our new lease originations through a combination of variable-rate warehouse facilities and working capital. Most

 

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recently, we have also used variable-rate long-term loan facilities to finance our new lease originations. Our mix of fixed- and variable-rate borrowings and our exposure to interest rate risk changes over time. Over the past twelve months, the mix of variable-rate borrowings to total borrowings has ranged from 53.4% to 82.5% and averaged 68.0%. At September 30, 2012, $27.3 million, or 82.5%, of our borrowings were variable-rate borrowings.

The following table presents the contractually scheduled maturities and the related weighted average interest rates for debt obligations as of September 30, 2012 expected as of and for each year ended through December 31, 2015 and for periods thereafter.

 

     Scheduled Maturities by Calendar Year  
                                    Total  
                             2016 &      Carrying  
     2012     2013     2014     2015     Thereafter      Amount  
     (Dollars in thousands)  

Debt:

             

Fixed-rate debt

   $ 2,102     $  3,603     $ 81     $ 4     $ —         $ 5,790  

Average fixed rate

     2.75     3.09     3.17     3.17     —           2.97

Variable-rate debt

   $ 9,317     $ —        $ 17,976     $ —        $ —         $ 27,293  

Average variable rate

     4.25     —          2.75     —          —           3.26

Our earnings are sensitive to fluctuations in interest rates. The long-term loan facilities charge a variable rate of interest based on LIBOR. Because our assets are predominately fixed-rate, increases in this market interest rate would generally negatively impact earnings because the rate charged on our borrowings would change faster than our assets could reprice. We would have to offset increases in borrowing costs by adjusting the pricing under our new leases or our net interest margin would be reduced. There can be no assurance that we will be able to offset higher borrowing costs with increased pricing of our assets.

For example, the impact of each hypothetical 100 basis point, or 1.00%, increase in the market rates to which our borrowings are indexed for the twelve month period ended September 30, 2012 generally would have been to reduce net interest and fee income by approximately $0.4 million based on our average variable-rate borrowings of approximately $42.3 million for the twelve months then ended, excluding the effects of any changes in the value of derivatives, taxes and possible increases in the yields from our lease and loan portfolios due to the origination of new contracts at higher interest rates. However, at September 30, 2012, due to index floors on certain variable-rate borrowings combined with the current interest rate environment, a 100-basis point increase in the market rates to which the borrowings are indexed would have reduced net interest and fee income by approximately $0.3 million based on the increased cost of the borrowing.

We manage and monitor our exposure to interest rate risk using balance sheet simulation models. Such models incorporate many of our assumptions about our business including new asset production and pricing, interest rate forecasts, overhead expense forecasts and assumed credit losses. Many of the assumptions we use in our simulation models are based on past experience and actual results could vary substantially.

RECENTLY ISSUED ACCOUNTING STANDARDS

In May 2011, the Financial Accounting Standards Board (the “FASB”) issued Accounting Standards Update 2011-04, Fair Value Measurement (Topic 820): Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRSs. This guidance clarifies the FASB’s intent about the application of existing fair value measurement and disclosure requirements and, in limited situations, changes certain principles or requirements for measuring fair value and disclosing information about fair value measurements. The guidance is effective for interim and annual reporting periods beginning after December 15, 2011. The adoption of the new requirements did not have a material impact on the consolidated earnings, financial position or cash flows of the Company.

In June 2011, the FASB issued Accounting Standards Update 2011-05, Comprehensive Income (Topic 220): Presentation of Comprehensive Income (“ASU 2011-05”). This guidance will affect the presentation of comprehensive income, but does not change the items that must be reported in other comprehensive income or when an item of other comprehensive income must be reclassified

 

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Table of Contents

to net income. In December 2011, the FASB issued Accounting Standards Update 2011-12, Deferral of the Effective Date for Amendments to the Presentation of Reclassifications of Items Out of Accumulated Other Comprehensive Income in Accounting Standards Update No. 2011-05 (“ASU 2011-12”). ASU 2011-12 defers those changes in ASU 2011-05 that relate to the presentation of reclassification adjustments. ASU 2011-12 reinstated the requirements for the presentation of reclassifications that were in place prior to the issuance of ASU 2011-05 and did not change the effective date for ASU 2011-05. ASU 2011-12 does not impact the requirement of ASU 2011-05 to report comprehensive income either in a single continuous financial statement or in two separate but consecutive financial statements, as reflected in this report. The guidance is effective for interim and annual reporting periods beginning after December 15, 2011. Because ASU 2011-05 and ASU 2011-12 impact disclosures only, they will not affect the consolidated earnings, financial position or cash flows of the Company.

 

Item 3. Quantitative and Qualitative Disclosures About Market Risk

The information appearing in the section captioned “Management’s Discussion and Analysis of Financial Condition and Results of Operations – Market Interest Rate Risk and Sensitivity” under Item 2 of Part I of this Form 10-Q is incorporated herein by reference.

 

Item 4. Controls and Procedures

Disclosure Controls and Procedures

Our management, with the participation of our Chief Executive Officer (“CEO”) and Chief Financial Officer (“CFO”), evaluated the effectiveness of our disclosure controls and procedures as of the end of the period covered by this report.

Based on that evaluation, the CEO and CFO concluded that our disclosure controls and procedures as of the end of the period covered by this report are designed and operating effectively to provide reasonable assurance that the information required to be disclosed by us in reports filed under the 1934 Act is (i) recorded, processed, summarized and reported within the time periods specified in the SEC’s rules and forms and (ii) accumulated and communicated to our management, including the CEO and CFO, as appropriate to allow timely decisions regarding disclosure.

Changes in Internal Control over Financial Reporting

There were no changes in the Company’s internal control over financial reporting that occurred during the Company’s third fiscal quarter of 2012 that have materially affected, or are reasonably likely to materially affect, the Company’s internal control over financial reporting.

PART II. Other Information

 

Item 1. Legal Proceedings

We are party to various legal proceedings, which include claims and litigation arising in the ordinary course of business. In the opinion of management, these actions will not have a material impact on our business, financial condition, results of operations or cash flows.

 

Item 1A. Risk Factors

There have been no material changes in the risk factors disclosed in the Company’s Annual Report on Form 10-K for the year ended December 31, 2011.

 

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Table of Contents
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds

Information on Stock Repurchases

On November 2, 2007, the Company’s Board of Directors approved a stock repurchase plan. Under this program, the Company is authorized to repurchase up to $15 million in value of its outstanding shares of common stock. This authority may be exercised from time to time and in such amounts as market conditions warrant. Any shares purchased under this plan are returned to the status of authorized but unissued shares of common stock. The repurchases may be made on the open market, in block trades or otherwise. The program may be suspended or discontinued at any time. The repurchases are funded using the Company’s working capital. During the three-month period ended September 30, 2012, the Company had no repurchases of common stock in the open market.

In addition to the repurchases described above, pursuant to the 2003 Equity Plan, participants may have shares withheld to cover income taxes. There were 5,708 shares repurchased to cover income tax withholding pursuant to the 2003 Plan during the three-month period ended September 30, 2012, at an average cost of $16.89 per share. At September 30, 2012, the Company had $5.7 million remaining in its stock repurchase plan authorized by the Board of Directors.

 

Item 3. Defaults Upon Senior Securities

None.

 

Item 4. Mine Safety Disclosures

None.

 

Item 5. Other Information

None.

 

-51-


Table of Contents
Item 6. Exhibits

 

Exhibit
Number
   Description
3.1    Amended and Restated Articles of Incorporation (1)
3.2    Bylaws (2)
31.1    Certification of the Chief Executive Officer of Marlin Business Services Corp. required by Rule 13a-14(a) under the Securities Exchange Act of 1934, as amended. (Filed herewith)
31.2    Certification of the Chief Financial Officer of Marlin Business Services Corp. required by Rule 13a-14(a) under the Securities Exchange Act of 1934, as amended. (Filed herewith)
32.1    Certification of the Chief Executive Officer and Chief Financial Officer of Marlin Business Services Corp. required by Rule 13a-14(b) under the Securities Exchange Act of 1934, as amended. (This exhibit shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liability of that section. Further, this exhibit shall not be deemed to be incorporated by reference into any filing under the Securities Exchange Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended.) (Furnished herewith)
101    Financial statements from the Quarterly Report on Form 10-Q of the Company for the period ended September 30, 2012, formatted in XBRL: (i) the Condensed Consolidated Balance Sheets, (ii) the Condensed Consolidated Statements of Operations, (iii) the Condensed Consolidated Statements of Comprehensive Income, (iv) the Condensed Consolidated Statements of Stockholders’ Equity, (v) the Condensed Consolidated Statements of Cash Flows and (vi) the Notes to Unaudited Condensed Consolidated Financial Statements. (Submitted electronically with this report)

 

(1) 

Previously filed with the SEC as an exhibit to the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2007 filed on March 5, 2008, and incorporated by reference herein.

(2) 

Previously filed with the SEC as an exhibit to the Company’s Amendment No. 1 to Registration Statement on Form S-1 (File No. 333-108530), filed on October 14, 2003 and incorporated by reference herein.

 

-52-


Table of Contents

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

 

MARLIN BUSINESS SERVICES CORP.
(Registrant)  
By:  

/s/ Daniel P. Dyer

  Chief Executive Officer
 

Daniel P. Dyer

  (Chief Executive Officer)
By:  

/s/ Lynne C. Wilson

 
 

Lynne C. Wilson

  Chief Financial Officer & Senior Vice President
    (Principal Financial Officer)

Date: November 2, 2012

 

-53-

EX-31.1 2 d431483dex311.htm RULE 13A-14(A) CERTIFICATION OF CHIEF EXECUTIVE OFFICER RULE 13a-14(a) CERTIFICATION OF CHIEF EXECUTIVE OFFICER

Exhibit 31.1

CERTIFICATION REQUIRED BY RULE 13a-14(a) OF

THE SECURITIES EXCHANGE ACT OF 1934

CERTIFICATION OF CHIEF EXECUTIVE OFFICER

I, Daniel P. Dyer, certify that:

 

1. I have reviewed this quarterly report on Form 10-Q of Marlin Business Services Corp.;

 

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the periods covered by this report;

 

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

 

4. The registrant’s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

 

  a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the periods in which this report is being prepared;

 

  b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

 

  c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures as of the end of the periods covered by this report based on such evaluation; and

 

  d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

 

5. The registrant’s other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):

 

  a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

 

  b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

Date: November 2, 2012

 

/s/ Daniel P. Dyer

Daniel P. Dyer
Chief Executive Officer
EX-31.2 3 d431483dex312.htm RULE 13A-14(A) CERTIFICATION OF CHIEF FINANCIAL OFFICER RULE 13a-14(a) CERTIFICATION OF CHIEF FINANCIAL OFFICER

Exhibit 31.2

CERTIFICATION REQUIRED BY RULE 13a-14(a) OF

THE SECURITIES EXCHANGE ACT OF 1934

CERTIFICATION OF CHIEF FINANCIAL OFFICER

I, Lynne C. Wilson, certify that:

 

1. I have reviewed this quarterly report on Form 10-Q of Marlin Business Services Corp.;

 

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the periods covered by this report;

 

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

 

4. The registrant’s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

 

  a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the periods in which this report is being prepared;

 

  b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

 

  c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures as of the end of the periods covered by this report based on such evaluation; and

 

  d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

 

5. The registrant’s other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):

 

  a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

 

  b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

Date: November 2, 2012

 

/s/ Lynne C. Wilson

Lynne C. Wilson
Chief Financial Officer & Senior Vice President
(Principal Financial Officer)
EX-32.1 4 d431483dex321.htm RULE 13A-14(B) CERTIFICATION OF CHIEF EXECUTIVE OFFICER AND CHIEF FINANCIAL OFFI RULE 13a-14(b) CERTIFICATION OF CHIEF EXECUTIVE OFFICER AND CHIEF FINANCIAL OFFI

Exhibit 32.1

CERTIFICATION PURSUANT TO

18 U.S.C. SECTION 1350,

AS ADOPTED PURSUANT TO

SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the accompanying Quarterly Report on Form 10-Q of Marlin Business Services Corp. for the quarter ended September 30, 2012 (the “Quarterly Report”), Daniel P. Dyer, as Chief Executive Officer, and Lynne C. Wilson, as Chief Financial Officer of the Company, each hereby certifies, that pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that, to the best of his or her knowledge:

 

(1) The Quarterly Report fully complies with the requirements of Section 13(a) of the Securities Exchange Act of 1934; and

 

(2) The information contained in the Quarterly Report fairly presents, in all material respects, the financial condition and results of operations of Marlin Business Services Corp.

Date: November 2, 2012

 

/s/ Daniel P. Dyer

Daniel P. Dyer
Chief Executive Officer

/s/ Lynne C. Wilson

Lynne C. Wilson
Chief Financial Officer & Senior Vice President
(Principal Financial Officer)
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AND SUBSIDIARIES</font></div><div style="text-align:center;"><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0px;">NOTES TO UNAUDITED CONDENSED CONSOLIDATED FINANCIAL STATEMENTS </font></div><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0px;">NOTE </font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">1</font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;"> </font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">&#8211;</font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;"> </font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">The Company</font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;"> </font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0px;">Description </font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">Through its principal operating subsidiary, Marlin Leasing Corporation, Marlin Business Services Corp. provides equipment </font><font style="font-family:Times New Roman;font-size:10pt;">financing</font><font style="font-family:Times New Roman;font-size:10pt;"> solutions nationwide, primarily to small</font><font style="font-family:Times New Roman;font-size:10pt;"> and mid-sized</font><font style="font-family:Times New Roman;font-size:10pt;"> businesses in a segment of the equipment leasing market commonly referred to </font><font style="font-family:Times New Roman;font-size:10pt;">in the industry </font><font style="font-family:Times New Roman;font-size:10pt;">as the &#8220;small-ticket&#8221; segment. The Company finances over 100 categories of commercial equipment important to its end user customers</font><font style="font-family:Times New Roman;font-size:10pt;">,</font><font style="font-family:Times New Roman;font-size:10pt;"> including copiers, </font><font style="font-family:Times New Roman;font-size:10pt;">security</font><font style="font-family:Times New Roman;font-size:10pt;"> systems, computers</font><font style="font-family:Times New Roman;font-size:10pt;">, telecommunications equipment</font><font style="font-family:Times New Roman;font-size:10pt;"> and certain commercial and industrial equipment. </font><font style="font-family:Times New Roman;font-size:10pt;">Effective March 12, 2008, the Company opened Marlin Business Bank (&#8220;MBB&#8221;), a commercial bank chartered by the State of Utah and a member of the Federal Reserve System. </font><font style="font-family:Times New Roman;font-size:10pt;">MBB serves as the Company's primary funding source through its issuance of Federal Deposit Insurance Corporation (&#8220;FDIC&#8221;)-insured certificates of deposit. Marlin Business Services Corp. is managed as a single business segment. Marlin Business Services Corp. is a bank holding company and a financial holding company regulated by the Federal Reserve Board under the Bank Holding Company Act.</font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">References to the &#8220;Company</font><font style="font-family:Times New Roman;font-size:10pt;">,</font><font style="font-family:Times New Roman;font-size:10pt;">&#8221;</font><font style="font-family:Times New Roman;font-size:10pt;"> &#8220;Marlin,&#8221;</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">&#8220;Registrant,&#8221; </font><font style="font-family:Times New Roman;font-size:10pt;">&#8220;we</font><font style="font-family:Times New Roman;font-size:10pt;">,</font><font style="font-family:Times New Roman;font-size:10pt;">&#8221; &#8220;us&#8221; and &#8220;our&#8221; herein refer to Marlin Business Services Corp. and its wholly-owned subsidiaries, unless the context otherwise requires.</font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p> <p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0px;">NOTE </font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">2</font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;"> </font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">&#8211;</font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;"> </font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Summary of</font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;"> Critical Accounting Policies </font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;font-style:italic;margin-left:0px;">Basis of financial statement presentation.</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">The </font><font style="font-family:Times New Roman;font-size:10pt;">unaudited condensed </font><font style="font-family:Times New Roman;font-size:10pt;">consolidated financial statements include the accounts of the Company and its wholly-owned subsidiaries. Marlin Business Services Corp. is managed as a single business segment. All intercompany accounts and transactions have been eliminated in consolidation.</font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">In the opinion of management, the accompanying unaudited condensed consolidated financial statements contain all adjustments (consisting of normal recurring items) necessary to present fairly the Company's financial position at </font><font style="font-family:Times New Roman;font-size:10pt;">September 30, 2012</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">and the results of operations for the </font><font style="font-family:Times New Roman;font-size:10pt;">three- and nine-</font><font style="font-family:Times New Roman;font-size:10pt;">month periods ended</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">September 30, 2012</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">and </font><font style="font-family:Times New Roman;font-size:10pt;">2011</font><font style="font-family:Times New Roman;font-size:10pt;">,</font><font style="font-family:Times New Roman;font-size:10pt;"> and cash flows for the </font><font style="font-family:Times New Roman;font-size:10pt;">nine</font><font style="font-family:Times New Roman;font-size:10pt;">-</font><font style="font-family:Times New Roman;font-size:10pt;">month periods ended </font><font style="font-family:Times New Roman;font-size:10pt;">September 30, 2012</font><font style="font-family:Times New Roman;font-size:10pt;"> and </font><font style="font-family:Times New Roman;font-size:10pt;">2011</font><font style="font-family:Times New Roman;font-size:10pt;">.</font><font style="font-family:Times New Roman;font-size:10pt;"> These unaudited condensed consolidated financial statements should be read in conjunction with the consolidated financial statements and note disclosures included in the Company's Form 10-K filed with the Securities and Exchange Commission</font><font style="font-family:Times New Roman;font-size:10pt;"> (&#8220;SEC&#8221;)</font><font style="font-family:Times New Roman;font-size:10pt;"> on </font><font style="font-family:Times New Roman;font-size:10pt;">March </font><font style="font-family:Times New Roman;font-size:10pt;">8</font><font style="font-family:Times New Roman;font-size:10pt;">, 201</font><font style="font-family:Times New Roman;font-size:10pt;">2</font><font style="font-family:Times New Roman;font-size:10pt;">. The consolidated results of operations for the </font><font style="font-family:Times New Roman;font-size:10pt;">three- and nine-</font><font style="font-family:Times New Roman;font-size:10pt;">month periods ended </font><font style="font-family:Times New Roman;font-size:10pt;">September 30, 2012</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">and </font><font style="font-family:Times New Roman;font-size:10pt;">2011</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">and the consolidated statements of cash flows for the </font><font style="font-family:Times New Roman;font-size:10pt;">nine</font><font style="font-family:Times New Roman;font-size:10pt;">-month periods ended </font><font style="font-family:Times New Roman;font-size:10pt;">September 30, 2012</font><font style="font-family:Times New Roman;font-size:10pt;"> and </font><font style="font-family:Times New Roman;font-size:10pt;">2011</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">are not necessarily indicative of the results for the respective full years or any other period.</font><font style="font-family:Times New Roman;font-size:10pt;"> </font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;font-style:italic;margin-left:0px;">Use of estimates.</font><font style="font-family:Times New Roman;font-size:10pt;"> The preparation of financial statements in accordance with </font><font style="font-family:Times New Roman;font-size:10pt;">generally accepted accounting principles</font><font style="font-family:Times New Roman;font-size:10pt;"> in the United States</font><font style="font-family:Times New Roman;font-size:10pt;"> (&#8220;</font><font style="font-family:Times New Roman;font-size:10pt;">U.S. GAAP</font><font style="font-family:Times New Roman;font-size:10pt;">&#8221;)</font><font style="font-family:Times New Roman;font-size:10pt;"> requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Estimates are used when accounting for income recognition, the residual values of leased equipment, the allowance for credit losses, deferred initial direct costs </font><font style="font-family:Times New Roman;font-size:10pt;">and fees, late fee receivables,</font><font style="font-family:Times New Roman;font-size:10pt;"> the fair value of financial instruments and income taxes. Actual results could differ from those estimates.</font><font style="font-family:Times New Roman;font-size:10pt;"> </font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;font-style:italic;margin-left:0px;">Interest income</font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;font-style:italic;">. </font><font style="font-family:Times New Roman;font-size:10pt;">Interest income is recognized under the effective interest method. The effective interest method of income recognition applies a constant rate of interest equal to the internal rate of return on </font><font style="font-family:Times New Roman;font-size:10pt;">each</font><font style="font-family:Times New Roman;font-size:10pt;"> lease. Generally, when a lease or loan is 90&#160;days or more delinquent, the contract is classified as non-accrual</font><font style="font-family:Times New Roman;font-size:10pt;">,</font><font style="font-family:Times New Roman;font-size:10pt;"> and we do not recognize interest income on that contract until it is less than 90&#160;days delinquent. </font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">Modifications to leases are accounted for in accordance with </font><font style="font-family:Times New Roman;font-size:10pt;">T</font><font style="font-family:Times New Roman;font-size:10pt;">opic 840</font><font style="font-family:Times New Roman;font-size:10pt;"> of the </font><font style="font-family:Times New Roman;font-size:10pt;">Financial Accounting Standards Board Accounting Standards Codification (&#8220;FASB ASC&#8221;)</font><font style="font-family:Times New Roman;font-size:10pt;">. Modifications </font><font style="font-family:Times New Roman;font-size:10pt;">resulting in</font><font style="font-family:Times New Roman;font-size:10pt;"> renegotiated leases may include reductions in payment and extensions in term. However, </font><font style="font-family:Times New Roman;font-size:10pt;">such renegotiated</font><font style="font-family:Times New Roman;font-size:10pt;"> leases </font><font style="font-family:Times New Roman;font-size:10pt;">are</font><font style="font-family:Times New Roman;font-size:10pt;"> not granted concessions regarding implicit rates or reductions in total amounts due. Modifications may be granted on a one-time basis in situations that indicate the lessee is experiencing a temporary, timing issue and has a high likelihood of success with a revised payment plan. 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Net residual income includes income from lease renewals and gains and losses on the realization of residual values of leased equipment disposed </font><font style="font-family:Times New Roman;font-size:10pt;">of </font><font style="font-family:Times New Roman;font-size:10pt;">at the end of </font><font style="font-family:Times New Roman;font-size:10pt;">a lease's </font><font style="font-family:Times New Roman;font-size:10pt;">term. </font><font style="font-family:Times New Roman;font-size:10pt;">Residual income is recognized as earned. </font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">Fee income from delinquent lease payments is recognized on an accrual basis based on anticipated collection rates. At a minimum of every quarter, an analysis of anticipated collection rates is performed based on updates to collection history. Adjustments in </font><font style="font-family:Times New Roman;font-size:10pt;">the anticipated collection rate </font><font style="font-family:Times New Roman;font-size:10pt;">assumptions are made as needed based on this analysis. Other fees are recognized when received.</font><font style="font-family:Times New Roman;font-size:10pt;"> </font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;font-style:italic;margin-left:0px;">Insurance income</font><font style="font-family:Times New Roman;font-size:10pt;">. Insurance income is recognized on an accrual basis as earned over the term of </font><font style="font-family:Times New Roman;font-size:10pt;">each</font><font style="font-family:Times New Roman;font-size:10pt;"> lease. Generally, insurance payments that are 120&#160;days or more past due are charged against income. Ceding commissions, losses and loss adjustment expenses are recorded in the period incurred and netted against insurance income.</font><font style="font-family:Times New Roman;font-size:10pt;"> </font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;font-style:italic;margin-left:0px;">Other income.</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">Other income</font><font style="font-family:Times New Roman;font-size:10pt;"> is recognized </font><font style="font-family:Times New Roman;font-size:10pt;">when</font><font style="font-family:Times New Roman;font-size:10pt;"> earned and</font><font style="font-family:Times New Roman;font-size:10pt;"> includes various administrative transaction fees</font><font style="font-family:Times New Roman;font-size:10pt;"> and</font><font style="font-family:Times New Roman;font-size:10pt;"> fees received from lease syndications.</font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;font-style:italic;margin-left:0px;">Securities available for sale. </font><font style="font-family:Times New Roman;font-size:10pt;">Securities available for sale </font><font style="font-family:Times New Roman;font-size:10pt;">consist of mutual funds. 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Adjustments in </font><font style="font-family:Times New Roman;font-size:10pt;">the anticipated collection rate </font><font style="font-family:Times New Roman;font-size:10pt;">assumptions are made as needed based on this analysis. 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In assessing the realizability of deferred tax assets, management considers whether it is more likely than not that some portion of the deferred tax assets will not be realized. The ultimate realization of deferred tax assets is dependent upon the generation of future taxable income during the periods in which those temporary differences become deductible. Management considers the scheduled reversal of deferred tax liabilities and projected future taxable income in making this assessment. 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margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0px;">NOTE </font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">4</font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;"> </font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">&#8211;</font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;"> Allowance for Credit Losses</font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">In accordance with the Contingencies Topic of the FASB ASC, we</font><font style="font-family:Times New Roman;font-size:10pt;"> maintain an allowance for credit losses at an amount sufficient to absorb losses inherent in our existing lease and loan portfolios as of the reporting dates based on our estimate of probable net credit losses.</font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The chart which follows provides activity in the allowance for credit losses and asset quality statistics.</font></p><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 16px"><td rowspan="2" style="width: 278px; text-align:left;border-color:#000000;min-width:278px;">&#160;<sup></sup></td><td colspan="5" style="width: 165px; text-align:center;border-color:#000000;min-width:165px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Three Months Ended</font></td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td colspan="5" style="width: 166px; text-align:center;border-color:#000000;min-width:166px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Nine Months Ended</font></td><td style="width: 13px; text-align:center;border-color:#000000;min-width:13px;">&#160;</td><td colspan="2" style="width: 85px; text-align:center;border-color:#000000;min-width:85px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Year Ended</font></td></tr><tr style="height: 12px"><td colspan="5" style="width: 165px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:165px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">September 30,</font></td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td colspan="5" style="width: 166px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:166px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">September 30,</font></td><td style="width: 13px; text-align:center;border-color:#000000;min-width:13px;">&#160;</td><td colspan="2" style="width: 85px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:85px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">December 31,</font></td></tr><tr style="height: 12px"><td style="width: 278px; text-align:left;border-color:#000000;min-width:278px;">&#160;<sup></sup></td><td colspan="2" style="width: 77px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:77px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">2012</font></td><td style="width: 12px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td colspan="2" style="width: 76px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:76px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">2011</font></td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td colspan="2" style="width: 77px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:77px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">2012</font></td><td style="width: 12px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td colspan="2" style="width: 77px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:77px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">2011</font></td><td style="width: 13px; text-align:center;border-color:#000000;min-width:13px;">&#160;</td><td colspan="2" style="width: 85px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:85px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">2011</font></td></tr><tr style="height: 4px"><td style="width: 278px; text-align:left;border-color:#000000;min-width:278px;">&#160;<sup></sup></td><td style="width: 13px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:13px;">&#160;</td><td style="width: 64px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:64px;">&#160;</td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 12px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 64px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:64px;">&#160;</td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 13px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:13px;">&#160;</td><td style="width: 64px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:64px;">&#160;</td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 13px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:13px;">&#160;</td><td style="width: 64px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:64px;">&#160;</td><td style="width: 13px; text-align:center;border-color:#000000;min-width:13px;">&#160;</td><td style="width: 13px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:13px;">&#160;</td><td style="width: 72px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:72px;">&#160;</td></tr><tr style="height: 14px"><td style="width: 278px; text-align:left;border-color:#000000;min-width:278px;">&#160;<sup></sup></td><td colspan="14" style="width: 441px; text-align:center;border-color:#000000;min-width:441px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">(Dollars in thousands)</font></td></tr><tr style="height: 20px"><td style="width: 278px; 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Income recognition resumes when a lease or loan becomes less than 90&#160;days delinquent. </font><font style="font-family:Times New Roman;font-size:10pt;">At </font><font style="font-family:Times New Roman;font-size:10pt;">September 30, 2012</font><font style="font-family:Times New Roman;font-size:10pt;">, September 30, 2011</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">and </font><font style="font-family:Times New Roman;font-size:10pt;">December 31, 2011</font><font style="font-family:Times New Roman;font-size:10pt;">, there were no finance receivables past due 90 days or more and still accruing.</font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">Net charge-offs for the </font><font style="font-family:Times New Roman;font-size:10pt;">three-month period</font><font style="font-family:Times New Roman;font-size:10pt;"> ended </font><font style="font-family:Times New Roman;font-size:10pt;">September 30, 2012</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">were </font><font style="font-family:Times New Roman;font-size:10pt;">$1.0</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">million</font><font style="font-family:Times New Roman;font-size:10pt;"> (</font><font style="font-family:Times New Roman;font-size:10pt;">0.89%</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">of average total finance receivables </font><font style="font-family:Times New Roman;font-size:10pt;">on an annualized basis</font><font style="font-family:Times New Roman;font-size:10pt;">)</font><font style="font-family:Times New Roman;font-size:10pt;">, compared to </font><font style="font-family:Times New Roman;font-size:10pt;">$1.1</font><font style="font-family:Times New Roman;font-size:10pt;"> million</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">(</font><font style="font-family:Times New Roman;font-size:10pt;">1.04%</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">of average total finance receivables </font><font style="font-family:Times New Roman;font-size:10pt;">on an annualized basis</font><font style="font-family:Times New Roman;font-size:10pt;">)</font><font style="font-family:Times New Roman;font-size:10pt;"> for the </font><font style="font-family:Times New Roman;font-size:10pt;">three-month period</font><font style="font-family:Times New Roman;font-size:10pt;"> ended </font><font style="font-family:Times New Roman;font-size:10pt;">June 30, 2012</font><font style="font-family:Times New Roman;font-size:10pt;">.</font><font style="font-family:Times New Roman;font-size:10pt;"> The decrease in net charge-offs during </font><font style="font-family:Times New Roman;font-size:10pt;">the three-month period</font><font style="font-family:Times New Roman;font-size:10pt;"> ended </font><font style="font-family:Times New Roman;font-size:10pt;">September 30, 2012</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">compared to</font><font style="font-family:Times New Roman;font-size:10pt;"> recent </font><font style="font-family:Times New Roman;font-size:10pt;">previous </font><font style="font-family:Times New Roman;font-size:10pt;">periods</font><font style="font-family:Times New Roman;font-size:10pt;"> is primarily due </font><font style="font-family:Times New Roman;font-size:10pt;">to improving delinquency migrations</font><font style="font-family:Times New Roman;font-size:10pt;">, partially offset by the growth in average total finance receivables</font><font style="font-family:Times New Roman;font-size:10pt;">. 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border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:64px;">&#160;</td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 12px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 64px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:64px;">&#160;</td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 13px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:13px;">&#160;</td><td style="width: 64px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:64px;">&#160;</td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 13px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:13px;">&#160;</td><td style="width: 64px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:64px;">&#160;</td><td style="width: 13px; text-align:center;border-color:#000000;min-width:13px;">&#160;</td><td style="width: 13px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:13px;">&#160;</td><td style="width: 72px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:72px;">&#160;</td></tr><tr style="height: 14px"><td style="width: 278px; text-align:left;border-color:#000000;min-width:278px;">&#160;<sup></sup></td><td colspan="14" style="width: 441px; text-align:center;border-color:#000000;min-width:441px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">(Dollars in thousands)</font></td></tr><tr style="height: 20px"><td style="width: 278px; text-align:left;border-color:#000000;min-width:278px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">Allowance for credit losses, beginning of period</font><sup></sup></td><td style="width: 13px; 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text-align:left;border-color:#000000;min-width:278px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">Allowance for credit losses, end of period</font><sup>(1)</sup></td><td style="width: 13px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:13px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">$</font></td><td style="width: 64px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">5,608</font></td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 12px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:12px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">$</font></td><td style="width: 64px; 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margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;font-style:italic;margin-left:0px;">Fair Value Measurements</font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The Fair Value Measurements and Disclosures Topic of the FASB ASC establishes a framework for measuring fair value and requires certain disclosures about fair value measurements. </font><font style="font-family:Times New Roman;font-size:10pt;">Its provisions do not apply to fair value measurements for purposes of lease classification</font><font style="font-family:Times New Roman;font-size:10pt;"> and measurement</font><font style="font-family:Times New Roman;font-size:10pt;">, which is addressed in the Leases Topic of the FASB ASC.</font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; 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A three-level valuation hierarchy is required for disclosure of fair value measurements based upon the transparency of inputs to the valuation of an asset or liability as of the measurement date. The fair value hierarchy gives the highest priority to quoted prices (unadjusted) in active markets for identical assets or liabilities (Level 1) and the lowest priority to unobservable inputs (Level 3). 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border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:69px;">&#160;</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 11px; border-top-style:double;border-top-width:3px;text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 69px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:69px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 11px; border-top-style:double;border-top-width:3px;text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 69px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:69px;">&#160;</td></tr><tr style="height: 20px"><td colspan="3" style="width: 365px; text-align:left;border-color:#000000;min-width:365px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: left;">Weighted average common shares outstanding </font></td><td style="width: 11px; 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text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 69px; text-align:left;border-color:#000000;min-width:69px;">&#160;</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 11px; text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 69px; text-align:left;border-color:#000000;min-width:69px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 11px; text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 69px; text-align:left;border-color:#000000;min-width:69px;">&#160;</td></tr><tr style="height: 22px"><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 336px; text-align:left;border-color:#000000;min-width:336px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">securities</font></td><td style="width: 11px; 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border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:69px;">&#160;</td></tr><tr style="height: 21px"><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 336px; text-align:left;border-color:#000000;min-width:336px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: left;">basic EPS</font></td><td style="width: 11px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 69px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:69px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">12,186,832</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 11px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 11px; border-top-style:double;border-top-width:3px;text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 69px; border-top-style:double;border-top-width:3px;text-align:right;border-color:#000000;min-width:69px;">&#160;</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 11px; border-top-style:double;border-top-width:3px;text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 69px; border-top-style:double;border-top-width:3px;text-align:right;border-color:#000000;min-width:69px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 11px; border-top-style:double;border-top-width:3px;text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 69px; border-top-style:double;border-top-width:3px;text-align:right;border-color:#000000;min-width:69px;">&#160;</td></tr><tr style="height: 20px"><td colspan="3" style="width: 365px; 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border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:69px;">&#160;</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 11px; border-top-style:double;border-top-width:3px;text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 69px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:69px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 11px; border-top-style:double;border-top-width:3px;text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 69px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:69px;">&#160;</td></tr><tr style="height: 20px"><td colspan="3" style="width: 365px; text-align:left;border-color:#000000;min-width:365px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: left;">Weighted average common shares outstanding </font></td><td style="width: 11px; 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text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 69px; text-align:left;border-color:#000000;min-width:69px;">&#160;</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 11px; text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 69px; text-align:left;border-color:#000000;min-width:69px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 11px; text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 69px; text-align:left;border-color:#000000;min-width:69px;">&#160;</td></tr><tr style="height: 22px"><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 336px; text-align:left;border-color:#000000;min-width:336px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">securities</font></td><td style="width: 11px; 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border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:69px;">&#160;</td></tr><tr style="height: 21px"><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 336px; text-align:left;border-color:#000000;min-width:336px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: left;">basic EPS</font></td><td style="width: 11px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 69px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:69px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">12,186,832</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 11px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 11px; border-top-style:double;border-top-width:3px;text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 69px; border-top-style:double;border-top-width:3px;text-align:right;border-color:#000000;min-width:69px;">&#160;</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 11px; border-top-style:double;border-top-width:3px;text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 69px; border-top-style:double;border-top-width:3px;text-align:right;border-color:#000000;min-width:69px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 11px; border-top-style:double;border-top-width:3px;text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 69px; border-top-style:double;border-top-width:3px;text-align:right;border-color:#000000;min-width:69px;">&#160;</td></tr><tr style="height: 20px"><td colspan="3" style="width: 365px; 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text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 69px; text-align:right;border-color:#000000;min-width:69px;">&#160;</td></tr><tr style="height: 21px"><td colspan="3" style="width: 365px; text-align:left;border-color:#000000;min-width:365px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: left;">Net income allocated to common stock</font></td><td style="width: 11px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:11px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">$</font></td><td style="width: 69px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:69px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">3,270</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 11px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 11px; border-top-style:double;border-top-width:3px;text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 69px; border-top-style:double;border-top-width:3px;text-align:right;border-color:#000000;min-width:69px;">&#160;</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 11px; border-top-style:double;border-top-width:3px;text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 69px; border-top-style:double;border-top-width:3px;text-align:right;border-color:#000000;min-width:69px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 11px; border-top-style:double;border-top-width:3px;text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 69px; border-top-style:double;border-top-width:3px;text-align:right;border-color:#000000;min-width:69px;">&#160;</td></tr><tr style="height: 20px"><td colspan="3" style="width: 365px; text-align:left;border-color:#000000;min-width:365px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: left;">Adjusted weighted average common shares used in computing</font></td><td style="width: 11px; text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 69px; text-align:right;border-color:#000000;min-width:69px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 11px; text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 69px; text-align:right;border-color:#000000;min-width:69px;">&#160;</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 11px; text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 69px; text-align:right;border-color:#000000;min-width:69px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 11px; text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 69px; text-align:right;border-color:#000000;min-width:69px;">&#160;</td></tr><tr style="height: 20px"><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 336px; text-align:left;border-color:#000000;min-width:336px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: left;">basic EPS</font></td><td style="width: 11px; text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 69px; text-align:right;border-color:#000000;min-width:69px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">12,186,832</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 11px; text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 69px; 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border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 69px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:69px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 11px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 69px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:69px;">&#160;</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 11px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 69px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:69px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 11px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 69px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:69px;">&#160;</td></tr><tr style="height: 21px"><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 336px; text-align:left;border-color:#000000;min-width:336px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: left;">diluted EPS</font></td><td style="width: 11px; border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 69px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:69px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">12,280,123</font></td><td style="width: 10px; 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style="font-family:Times New Roman;font-size:10pt;">September 30, 2011</font><font style="font-family:Times New Roman;font-size:10pt;">. </font><font style="font-family:Times New Roman;font-size:10pt;">Total stock-based compensation expense was</font><font style="font-family:Times New Roman;font-size:10pt;"> $</font><font style="font-family:Times New Roman;font-size:10pt;">2.2</font><font style="font-family:Times New Roman;font-size:10pt;"> million and</font><font style="font-family:Times New Roman;font-size:10pt;"> $</font><font style="font-family:Times New Roman;font-size:10pt;">2.0</font><font style="font-family:Times New Roman;font-size:10pt;"> million </font><font style="font-family:Times New Roman;font-size:10pt;">for the </font><font style="font-family:Times New Roman;font-size:10pt;">nine-</font><font style="font-family:Times New Roman;font-size:10pt;">month periods ended </font><font style="font-family:Times New Roman;font-size:10pt;">September 30, 2012</font><font style="font-family:Times New Roman;font-size:10pt;"> and </font><font style="font-family:Times New Roman;font-size:10pt;">September 30, 2011</font><font style="font-family:Times New Roman;font-size:10pt;">, respectively.</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">Excess tax benefits from stock-based payment arrangements increased cash provided by financing activities </font><font style="font-family:Times New Roman;font-size:10pt;">and </font><font style="font-family:Times New Roman;font-size:10pt;">decreased cash provided by operating a</font><font style="font-family:Times New Roman;font-size:10pt;">ctivities </font><font style="font-family:Times New Roman;font-size:10pt;">by </font><font style="font-family:Times New Roman;font-size:10pt;">$0.9</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">million </font><font 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style="font-family:Times New Roman;font-size:10pt;">, respectively</font><font style="font-family:Times New Roman;font-size:10pt;">. </font></p><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><p style='margin-top:12pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0px;">Stock Options</font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">Option awards are generally granted with an exercise price equal to the market price of the Company's stock at the date of the grant and have </font><font style="font-family:Times New Roman;font-size:10pt;">7</font><font style="font-family:Times New Roman;font-size:10pt;">- to </font><font style="font-family:Times New Roman;font-size:10pt;">10</font><font style="font-family:Times New Roman;font-size:10pt;">-year contractual terms. 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The payment of future dividends will be subject to approval by the Company's Board of Directors</font><font style="font-family:Times New Roman;font-size:10pt;">.</font></p> 0 0 0 At September 30, 2012, December 31, 2011 and September 30, 2011, there was no allowance for credit losses allocated to loans. Total finance receivables include net investment in direct financing leases and loans. For purposes of asset quality and allowance calculations, the effects of (i) the allowance for credit losses and (ii) initial direct costs and fees deferred are excluded. Calculated as a percent of total minimum lease payments receivable for leases and as a percent of principal outstanding for loans. Interest on variable-rate long-term loan facilities is assumed at the September 30, 2012 rate for the remaining term. MBB is required to maintain “well-capitalized” status and must also maintain a total risk-based capital ratio greater than 15% pursuant to an agreement entered into by and among MBB, the Company, Marlin Leasing Corporation and the FDIC in conjunction with the opening of MBB (the “FDIC Agreement”). 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Long-term Borrowings (Details) (USD $)
In Thousands, unless otherwise specified
Sep. 30, 2012
Dec. 31, 2011
Long-term Borrowings, by Maturity [Abstract]    
2012 $ 11,419  
2013 3,603  
2014 18,057  
2015 4  
2016 0  
Long-term borrowings, total 33,083 92,004
Scheduled Interest Payments [Abstract]    
2012, Interest 260 [1]  
2013, Interest 543 [1]  
2014, Interest 384 [1]  
2015, Interest 0 [1]  
2016, Interest 0 [1]  
Future scheduled interest payments on long-term borrowings, total $ 1,187 [1]  
[1] Interest on variable-rate long-term loan facilities is assumed at the September 30, 2012 rate for the remaining term.
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Stock-Based Compensation (Summary of Stock Options Outstanding and Exercisable) (Details) (USD $)
In Thousands, except Share data, unless otherwise specified
9 Months Ended
Sep. 30, 2012
Y
Dec. 31, 2011
Sep. 30, 2012
Price Range Aa [Member]
Y
Sep. 30, 2012
Price Range B [Member]
Y
Sep. 30, 2012
Price Range C [Member]
Y
Sep. 30, 2012
Price Range D [Member]
Y
Sep. 30, 2012
Price Range E [Member]
Y
Stock Options Outstanding and Exercisable [Line Items]              
Options Outstanding and Exercisable, Lower Price in Range Category     $ 3.39 $ 7.17 $ 12.08 $ 14.00 $ 20.35
Options Outstanding and Exercisable, Upper Price in Range Category     $ 3.39 $ 10.18 $ 12.41 $ 16.01 $ 21.50
Options Outstanding, Number of Shares 420,456 475,217 5,600 224,952 134,772 37,672 17,460
Options Outstanding, Weighted Average Remaining Life (Years) 3.0   0.3 2.5 4.6 1.2 1.0
Options Outstanding, Weighted Average Exercise Price $ 11.05 $ 10.93 $ 3.39 $ 9.10 $ 12.40 $ 14.33 $ 21.08
Options Outstanding, Aggregate Intrinsic Value $ 4,276   $ 100 $ 2,724 $ 1,187 $ 259 $ 6
Options Exercisable, Number of Shares 235,510   5,600 120,608 54,170 37,672 17,460
Options Exercisable, Weighted Average Remaining Life (Years) P2.7Y   P0.3Y P2.6Y P4.6Y P1.2Y 1 year
Options Exercisable, Weighted Average Exercise Price $ 11.26   $ 3.39 $ 8.74 $ 12.39 $ 14.33 $ 21.08
Options Exercisable, Aggregate Intrinsic Value $ 2,347   $ 100 $ 1,504 $ 478 $ 259 $ 6
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Stock-Based Compensation (Narratives) (Details) (USD $)
3 Months Ended 9 Months Ended
Sep. 30, 2012
Sep. 30, 2011
Sep. 30, 2012
Sep. 30, 2011
Stock-based Compensation Arrangements [Line Items]        
Change in Equity Compensation Plan, Number of Aggregate Number of Shares Authorized 850,000      
Equity Compensation Plan, Aggregate Number of Shares Authorized 4,150,000   4,150,000  
Equity Compensation Plan, Number of Shares Available for Grant 1,034,929   1,034,929  
Number of Shares, Stock Options Granted     0  
Stock-based Compensation Expense $ 300,000 $ 400,000 $ 2,200,000 $ 2,000,000
Stock Options Exercised, Number of Shares     32,963  
Employee Stock Purchase Plan, Maximum Employee Compensation Contribution Percentage 10.00%   10.00%  
Employee Stock Purchase Plan, Aggregate Number of Shares Authorized 140,000   140,000  
Excess tax benefits from stock-based payment arrangements     900,000 627,000
Common Stock Closing Price Per Share $ 21.21   $ 21.21  
Stock Options [Member]
       
Stock-based Compensation Arrangements [Line Items]        
Number of Shares, Stock Options Granted 0 0 0 0
Stock-based Compensation Expense 100,000 100,000 100,000 100,000
Stock Options Exercised, Number of Shares 29,219 93,940    
Stock Options Exercised, Total Intrinsic Value 300,000 100,000 300,000 100,000
Tax Benefit from Stock-based Compensation 100,000 100,000 100,000 100,000
Total Compensation Cost Not yet Recognized on Nonvested Stock-based Awards 100,000   100,000  
Compensation Cost Not yet Recognized on Nonvested Stock-based Awards, Period for Recognition in Years     P1.3Y  
Stock-based Awards, Vesting Period in Years     4 years  
Total Compensation Cost Not yet Recognized on Nonvested Stock-based Awards, Portion Subject to Pre-expiration Vesting 700,000   700,000  
Total Compensation Cost Not yet Recognized on Nonvested Stock-based Awards, Portion Subject to Pre-expiration Vesting, Period for Recognition, in Years     P3.4Y  
Stock Options [Member] | Director [Member]
       
Stock-based Compensation Arrangements [Line Items]        
Stock-based Awards, Vesting Period in Years     1 year  
Stock Options [Member] | Minimum [Member]
       
Stock-based Compensation Arrangements [Line Items]        
Equity Compensation Plan, Grant Original Contractual Term in Years     7 years  
Stock Options [Member] | Maximum [Member]
       
Stock-based Compensation Arrangements [Line Items]        
Equity Compensation Plan, Grant Original Contractual Term in Years     10 years  
Restricted Stock [Member]
       
Stock-based Compensation Arrangements [Line Items]        
Equity Compensation Plan, Aggregate Number of Shares Authorized 2,500,000   2,500,000  
Equity Compensation Plan, Number of Shares Available for Grant 872,802   872,802  
Stock-based Compensation Expense 300,000 400,000 2,200,000 2,000,000
Total Compensation Cost Not yet Recognized on Nonvested Stock-based Awards 3,600,000   3,600,000  
Stock-based Awards, Vesting Period in Years     P3.8Y  
Stock-based Awards Other Than Options, Subject to Performance Acceleration, Grants in Period     29,405  
Stock-based Awards Other Than Options, Contingent on Performance, Grants in Period     0  
Stock-based Awards, Grants in Period, Aggregate Grant Date Fair Value 100,000 200,000 1,300,000 3,200,000
Stock-based Compensation Expense Due to Performance Acceleration     1,000,000 600,000
Total Compensation Cost Not yet Recognized on Nonvested Stock-based Awards, Portion Subject to Acceleration 1,000,000   1,000,000  
Total Compensation Cost Not yet Recognized on Nonvested Stock-based Awards, Portion Subject to Acceleration, Period for Recognition, in Years     P0.9Y  
Stock-based Awards Other Than Options, Additional Grants Contingently Issuable     58,336  
Stock-based Awards Other Than Options, Additional Grants Contingently Issuable Achievement Threshold     100.00%  
Stock-based Awards Other than Options, Vested in Period, Total Fair Value $ 300,000 $ 400,000 $ 4,600,000 $ 3,600,000
Restricted Stock [Member] | Minimum [Member]
       
Stock-based Compensation Arrangements [Line Items]        
Stock-based Awards, Vesting Period in Years     3 years  
Restricted Stock [Member] | Minimum [Member] | Director [Member]
       
Stock-based Compensation Arrangements [Line Items]        
Stock-based Awards, Vesting Period in Years     P0.5Y  
Restricted Stock [Member] | Maximum [Member]
       
Stock-based Compensation Arrangements [Line Items]        
Stock-based Awards, Vesting Period in Years     10 years  
Restricted Stock [Member] | Maximum [Member] | Director [Member]
       
Stock-based Compensation Arrangements [Line Items]        
Stock-based Awards, Vesting Period in Years     7 years  
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Net Investment in Leases and Loans (Future Minimum Lease Payments Receivable Schedule) (Details) (USD $)
In Thousands, unless otherwise specified
Sep. 30, 2012
Dec. 31, 2011
Future Minimum Lease Payments Receivable Schedule [Abstract]    
2012 $ 58,976  
2013 198,729  
2014 138,804  
2015 86,635  
2016 45,086  
Thereafter 12,134  
Minimum Lease Payments Receivable 540,364 437,302
Future Scheduled Income Amortization [Abstract]    
2012 13,539  
2013 39,954  
2014 22,575  
2015 10,571  
2016 3,653  
Thereafter 477  
Unearned Lease Income, Including Initial Direct Costs and Fees Deferred $ 90,769 $ 74,199
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Deposits (Tables)
9 Months Ended
Sep. 30, 2012
Contractual Maturities of Time Deposits [Abstract]  
Contractual Maturities Of Time Deposits [Table Text Block]
    Scheduled
    Maturities
    (Dollars in thousands)
      
Period Ending December 31,  
2012$28,652
2013 118,850
2014 86,550
2015 54,047
2016 35,209
Thereafter 18,685
    $341,993
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Subsequent Events (Narratives)(Details) (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended 9 Months Ended 12 Months Ended 0 Months Ended
Sep. 30, 2012
Sep. 30, 2011
Sep. 30, 2012
Sep. 30, 2011
Dec. 31, 2011
Oct. 29, 2012
Subsequent Event [Member]
Number
Subsequent Event [Line Items]            
Cash dividends declared per share $ 0.08 $ 0 $ 0.20 $ 0   $ 0.08
Cash dividends declared     $ 2,535   $ 766 $ 1,000
Cash dividend declared on common stock, date declared           Oct. 29, 2012
Cash dividend declared on common stock, payable date           Nov. 26, 2012
Cash dividend declared on common stock, date of record           Nov. 12, 2012
Number of cash dividends declared on common stock since inception           5
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Earnings Per Common Share (EPS Basic) (Details) (USD $)
In Thousands, except Share data, unless otherwise specified
3 Months Ended 9 Months Ended 12 Months Ended
Sep. 30, 2012
Sep. 30, 2011
Sep. 30, 2012
Sep. 30, 2011
Dec. 31, 2011
Earnings Per Share, Basic [Abstract]          
Net Income $ 3,415 $ 1,831 $ 8,052 $ 4,115 $ 6,175
Less: net income allocated to participating securities 145 132 350 311  
Net income allocated to common stock $ 3,270 $ 1,699 $ 7,702 $ 3,804  
Weighted average common shares outstanding 12,737,833 12,803,343 12,731,329 12,905,582  
Less: Unvested restricted stock awards considered participating securities (551,001) (922,509) (575,773) (974,063)  
Adjusted weighted average common shares used in computing basic EPS 12,186,832 11,880,834 12,155,556 11,931,519  
Basic earnings per share $ 0.27 $ 0.14 $ 0.63 $ 0.32  
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Commitments and Contingencies (Narratives) (Details) (USD $)
In Millions, unless otherwise specified
9 Months Ended
Sep. 30, 2012
Commitments and Contingencies [Abstract]  
Loan Participation Ownership Percentage 1.14%
Unfunded Loan Commitments $ 1.4
Membership Expiration Date June 2013
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Stock-Based Compensation (Summary of Option Activity) (Details) (USD $)
9 Months Ended
Sep. 30, 2012
Stock-based Compensation Arrangements, Options, Outstanding [Roll Forward]  
Number of Shares Outstanding, Beginning of Period 475,217
Number of Shares, Stock Options Granted 0
Number of Shares, Stock Options Exercised (32,963)
Number of Shares, Forfeited (17,154)
Number of Shares, Expired (4,644)
Number of Shares Outstanding, End of Period 420,456
Weighted Average Exercise Price Per Share, Outstanding at Beginning of Period $ 10.93
Weighted Average Exercise Price Per Share, Granted $ 0
Weighted Average Exercise Price Per Share, Exercised $ 8.48
Weighted Average Exercise Price Per Share, Forfeitures $ 10.33
Weighted Average Exercise Price Per Share, Expired $ 19.78
Weighted Average Exercise Price Per Share, Outstanding at End of Period $ 11.05
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Summary of Critical Accounting Policies
9 Months Ended
Sep. 30, 2012
Summary of Critical Accounting Policies [Abstract]  
Summary of Critical Accounting Policies

NOTE 2 Summary of Critical Accounting Policies

 

Basis of financial statement presentation. The unaudited condensed consolidated financial statements include the accounts of the Company and its wholly-owned subsidiaries. Marlin Business Services Corp. is managed as a single business segment. All intercompany accounts and transactions have been eliminated in consolidation.

 

In the opinion of management, the accompanying unaudited condensed consolidated financial statements contain all adjustments (consisting of normal recurring items) necessary to present fairly the Company's financial position at September 30, 2012 and the results of operations for the three- and nine-month periods ended September 30, 2012 and 2011, and cash flows for the nine-month periods ended September 30, 2012 and 2011. These unaudited condensed consolidated financial statements should be read in conjunction with the consolidated financial statements and note disclosures included in the Company's Form 10-K filed with the Securities and Exchange Commission (“SEC”) on March 8, 2012. The consolidated results of operations for the three- and nine-month periods ended September 30, 2012 and 2011 and the consolidated statements of cash flows for the nine-month periods ended September 30, 2012 and 2011 are not necessarily indicative of the results for the respective full years or any other period.

 

Use of estimates. The preparation of financial statements in accordance with generally accepted accounting principles in the United States (“U.S. GAAP”) requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Estimates are used when accounting for income recognition, the residual values of leased equipment, the allowance for credit losses, deferred initial direct costs and fees, late fee receivables, the fair value of financial instruments and income taxes. Actual results could differ from those estimates.

 

Interest income. Interest income is recognized under the effective interest method. The effective interest method of income recognition applies a constant rate of interest equal to the internal rate of return on each lease. Generally, when a lease or loan is 90 days or more delinquent, the contract is classified as non-accrual, and we do not recognize interest income on that contract until it is less than 90 days delinquent.

 

Modifications to leases are accounted for in accordance with Topic 840 of the Financial Accounting Standards Board Accounting Standards Codification (“FASB ASC”). Modifications resulting in renegotiated leases may include reductions in payment and extensions in term. However, such renegotiated leases are not granted concessions regarding implicit rates or reductions in total amounts due. Modifications may be granted on a one-time basis in situations that indicate the lessee is experiencing a temporary, timing issue and has a high likelihood of success with a revised payment plan. After a modification, a lease's accrual status is based on compliance with the modified terms.

 

Fee income. Fee income consists of fees for delinquent lease and loan payments, cash collected on early termination of leases and net residual income. Net residual income includes income from lease renewals and gains and losses on the realization of residual values of leased equipment disposed of at the end of a lease's term. Residual income is recognized as earned.

 

Fee income from delinquent lease payments is recognized on an accrual basis based on anticipated collection rates. At a minimum of every quarter, an analysis of anticipated collection rates is performed based on updates to collection history. Adjustments in the anticipated collection rate assumptions are made as needed based on this analysis. Other fees are recognized when received.

 

Insurance income. Insurance income is recognized on an accrual basis as earned over the term of each lease. Generally, insurance payments that are 120 days or more past due are charged against income. Ceding commissions, losses and loss adjustment expenses are recorded in the period incurred and netted against insurance income.

 

Other income. Other income is recognized when earned and includes various administrative transaction fees and fees received from lease syndications.

 

Securities available for sale. Securities available for sale consist of mutual funds. Securities available for sale are measured at fair value on a recurring basis, computed using fair value measurements classified as Level 1 (as defined in Note 9, Fair Value Measurements and Disclosures about the Fair Value of Financial Instruments), since prices are obtained from quoted prices in an active market. Unrealized holding gains or losses, net of related deferred income taxes, are reported in accumulated other comprehensive income.

 

Initial direct costs and fees. We defer initial direct costs incurred and fees received to originate our leases and loans in accordance with the Receivables Topic and the Nonrefundable Fees and Other Costs Subtopic of the FASB ASC. The initial direct costs and fees we defer are part of the net investment in leases and loans and are amortized to interest income using the effective interest method. We defer third-party commission costs, as well as certain internal costs directly related to the origination activity. Costs subject to deferral include evaluating each prospective customer's financial condition, evaluating and recording guarantees and other security arrangements, negotiating terms, preparing and processing documents and closing each transaction. The fees we defer are documentation fees collected at inception. The realization of the initial direct costs, net of fees deferred, is predicated on the net future cash flows generated by our lease and loan portfolios.

 

Net investment in leases and loans. As required by U.S. GAAP, the Company uses the direct finance method of accounting to record its direct financing leases and related interest income. At the inception of a lease, the Company records as an asset the aggregate future minimum lease payments receivable, plus the estimated residual value of the leased equipment, less unearned lease income. Residual values generally reflect the estimated amounts to be received at lease termination from lease extensions, sales or other dispositions of leased equipment. Estimates are based on industry data and management's experience.

 

The Company records an estimated residual value at lease inception for all fair market value and fixed purchase option leases based on a percentage of the equipment cost of the asset being leased. The percentages used depend on equipment type and term. In setting and reviewing estimated residual values, the Company focuses its analysis primarily on total historical and expected realization statistics pertaining to both lease renewals and sales of equipment.

 

At the end of an original lease term, lessees may choose to purchase the equipment, renew the lease or return the equipment to the Company. The Company receives income from lease renewals when the lessee elects to retain the equipment longer than the original term of the lease. This income, net of appropriate periodic reductions in the estimated residual values of the related equipment, is included in fee income as net residual income.

 

When a lessee elects to return equipment at lease termination, the equipment is transferred to other assets at the lower of its basis or fair market value. The Company generally sells returned equipment to independent third parties, rather than leasing the equipment a second time. The Company does not maintain equipment in other assets for longer than 120 days. Any loss recognized on transferring equipment to other assets and any gain or loss realized on the sale or disposal of equipment to a lessee or to others is included in fee income as net residual income.

 

Based on the Company's experience, the amount of ultimate realization of the residual value tends to relate more to the customer's election at the end of the lease term to enter into a renewal period, to purchase the leased equipment or to return the leased equipment than it does to the equipment type. Management performs periodic reviews of the estimated residual values and historic realization statistics no less frequently than quarterly and any impairment, if other than temporary, is recognized in the current period.

 

Initial direct costs and fees related to lease originations are deferred as part of the investment and amortized over the lease term. Unearned lease income is the amount by which the total lease receivable plus the estimated residual value exceeds the cost of the equipment. Unearned lease income, net of initial direct costs and fees, is recognized as revenue over the lease term using the effective interest method.

 

Allowance for credit losses. In accordance with the Contingencies Topic of the FASB ASC, we maintain an allowance for credit losses at an amount sufficient to absorb losses inherent in our existing lease and loan portfolios as of the reporting dates based on our projection of probable net credit losses. We evaluate our portfolios on a pooled basis, due to their composition of small balance, homogenous accounts with similar general credit risk characteristics, diversified among a large cross-section of variables, including industry, geography, equipment type, obligor and vendor.

 

We consider both quantitative and qualitative factors in determining the allowance for credit losses. Quantitative factors considered include a migration analysis stratified by industry classification, historic delinquencies and charge-offs, and a static pool analysis of historic recoveries. A migration analysis is a technique used to estimate the likelihood that an account will progress through the various delinquency stages and ultimately charge off. Qualitative factors that may result in further adjustments to the quantitative analysis include items such as forecasting uncertainties, changes in the composition of our lease and loan portfolios (including geography, industry, equipment type and vendor source), seasonality, economic or business conditions and emerging trends, business practices or policies at the reporting date that are different from the periods used in the quantitative analysis.

 

The various factors used in the analysis are reviewed periodically, and no less frequently than quarterly. We then establish an allowance for credit losses for the projected probable net credit losses inherent in the portfolio based on this analysis. A provision is charged against earnings to maintain the allowance for credit losses at the appropriate level. Our policy is to charge-off against the allowance the estimated unrecoverable portion of accounts once they reach 121 days delinquent.

 

Our projections of probable net credit losses are inherently uncertain, and as a result we cannot predict with certainty the amount of such losses. Changes in economic conditions, the risk characteristics and composition of the portfolio, bankruptcy laws, and other factors could impact our actual and projected net credit losses and the related allowance for credit losses. To the extent we add new leases and loans to our portfolios, or to the degree credit quality is worse than expected, we record expense to increase the allowance for credit losses to reflect the estimated net losses inherent in our portfolios. Actual losses may vary from current estimates.

 

Securitizations. In connection with each of its term note securitization transactions, the Company established a bankruptcy remote special-purpose subsidiary (“SPE”) and issued term debt to institutional investors. These SPEs are considered VIEs under U.S. GAAP. The Company is required to consolidate VIEs in which it is deemed to be the primary beneficiary through having (1) power over the significant activities of the entity and (2) an obligation to absorb losses or the right to receive benefits from the VIE which are potentially significant to the VIE. The Company continues to service the assets of its VIEs and retain equity and/or residual interests. Accordingly, assets and related debt of these VIEs are included in the accompanying Consolidated Balance Sheets. The Company's leases and restricted interest-earning deposits with banks are assigned as collateral for these borrowings and there is no further recourse to our general credit. Collateral in excess of these borrowings represents the Company's maximum loss exposure.

 

Common stock and equity. On November 2, 2007, the Company's Board of Directors approved a stock repurchase plan. Under the stock repurchase plan, the Company is authorized to repurchase its common stock on the open market. The par value of the shares repurchased is charged to common stock with the excess of the purchase price over par charged against any available additional paid-in capital.

 

Stock-based compensation. The Compensation—Stock Compensation Topic of the FASB ASC establishes fair value as the measurement objective in accounting for share-based payment arrangements and requires all entities to apply a fair-value-based measurement method in accounting for share-based payment transactions with employees and non-employees, except for equity instruments held by employee share ownership plans.

 

The Company measures stock-based compensation cost at grant date, based on the fair value of the awards ultimately expected to vest. Stock-based compensation expense is recognized on a straight-line basis over the service period. We generally use the Black-Scholes valuation model to measure the fair value of our stock options utilizing various assumptions with respect to expected holding period, risk-free interest rates, stock price volatility and dividend yield. The assumptions are based on management's judgment concerning future events.

 

As required by U.S. GAAP, the Company uses its judgment in estimating the amount of awards that are expected to be forfeited, with subsequent revisions to the assumptions if actual forfeitures differ from those estimates. The vesting of certain restricted shares may be accelerated to a minimum of three years based on achievement of various individual performance measures. Acceleration of expense for awards based on individual performance factors occurs when the achievement of the performance criteria is determined.

 

Non-forfeitable dividends paid on shares of restricted stock are recorded to retained earnings for shares that are expected to vest and to compensation expense for shares that are not expected to vest.

 

Income taxes. The Income Taxes Topic of the FASB ASC requires the use of the asset and liability method under which deferred taxes are determined based on the estimated future tax effects of differences between the financial statement and tax bases of assets and liabilities, given the provisions of the enacted tax laws. In assessing the realizability of deferred tax assets, management considers whether it is more likely than not that some portion of the deferred tax assets will not be realized. The ultimate realization of deferred tax assets is dependent upon the generation of future taxable income during the periods in which those temporary differences become deductible. Management considers the scheduled reversal of deferred tax liabilities and projected future taxable income in making this assessment. Based upon the level of historical taxable income and projections for future taxable income over the periods which the deferred tax assets are deductible, management believes it is more likely than not the Company will realize the benefits of these deductible differences.

 

Significant management judgment is required in determining the provision for income taxes, deferred tax assets and liabilities and any necessary valuation allowance recorded against net deferred tax assets. The process involves summarizing temporary differences resulting from the different treatment of items, such as leases, for tax and accounting purposes. These differences result in deferred tax assets and liabilities which are included within the Consolidated Balance Sheets. Management then assesses the likelihood that deferred tax assets will be recovered from future taxable income or tax carry-back availability and, to the extent our management believes recovery is not likely, a valuation allowance is established. To the extent that we establish a valuation allowance in a period, an expense is recorded within the tax provision in the Consolidated Statements of Operations.

 

In accordance with U.S. GAAP, uncertain tax positions taken or expected to be taken in a tax return are subject to potential financial statement recognition based on prescribed recognition and measurement criteria. Based on our evaluation, we concluded that there are no significant uncertain tax positions requiring recognition in our financial statements. At September 30, 2012, there have been no material changes to the liability for uncertain tax positions and there are no significant unrecognized tax benefits.

 

The periods subject to examination for the Company's federal return include the 2006 tax year to the present. The Company files state income tax returns in various states which may have different statutes of limitations. Generally, state income tax returns for the years 2005 through the present are subject to examination. The Company has amended its previously filed income tax returns for the years 2006 through 2009, resulting in the recognition of a net tax receivable of approximately $15.4 million as discussed in Note 12 to the Company's Form 10-K for December 31, 2011. These amendments are subject to review by the various jurisdictions.

 

The Company records penalties and accrued interest related to taxes, including penalties and interest related to uncertain tax positions, in income tax expense. Such adjustments have historically been minimal and immaterial to our financial results.

 

Earnings per share. The Company's restricted stock awards are paid non-forfeitable common stock dividends and thus meet the criteria of participating securities. Accordingly, earnings per share (“EPS”) is calculated using the two-class method, under which earnings are allocated to both common shares and participating securities. All shares of restricted stock are deducted from the weighted average shares outstanding for the computation of basic EPS.

 

Diluted EPS is computed based on the weighted average number of common shares outstanding for the period including the dilutive impact of the exercise or conversion of common stock equivalents, such as stock options, into shares of common stock as if those securities were exercised or converted.

 

Recent Accounting Pronouncements. In May 2011, the Financial Accounting Standards Board (the “FASB”) issued Accounting Standards Update 2011-04, Fair Value Measurement (Topic 820): Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRSs. This guidance clarifies the FASB's intent about the application of existing fair value measurement and disclosure requirements and, in limited situations, changes certain principles or requirements for measuring fair value and disclosing information about fair value measurements. The guidance is effective for interim and annual reporting periods beginning after December 15, 2011. The adoption of the new requirements did not have a material impact on the consolidated earnings, financial position or cash flows of the Company.

 

In June 2011, the FASB issued Accounting Standards Update 2011-05, Comprehensive Income (Topic 220): Presentation of Comprehensive Income (“ASU 2011-05”). This guidance will affect the presentation of comprehensive income, but does not change the items that must be reported in other comprehensive income or when an item of other comprehensive income must be reclassified to net income. In December 2011, the FASB issued Accounting Standards Update 2011-12, “Deferral of the Effective Date for Amendments to the Presentation of Reclassifications of Items Out of Accumulated Other Comprehensive Income in Accounting Standards Update No. 2011-05” (“ASU 2011-12”). ASU 2011-12 defers those changes in ASU 2011-05 that relate to the presentation of reclassification adjustments. ASU 2011-12 reinstated the requirements for the presentation of reclassifications that were in place prior to the issuance of ASU 2011-05 and did not change the effective date for ASU 2011-05. ASU 2011-12 does not impact the requirement of ASU 2011-05 to report comprehensive income either in a single continuous financial statement or in two separate but consecutive financial statements, as reflected in this report. The guidance is effective for interim and annual reporting periods beginning after December 15, 2011. Because ASU 2011-05 and ASU 2011-12 impact disclosures only, they will not affect the consolidated earnings, financial position or cash flows of the Company.

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Earnings Per Common Share (EPS Diluted) (Details) (USD $)
In Thousands, except Share data, unless otherwise specified
3 Months Ended 9 Months Ended
Sep. 30, 2012
Sep. 30, 2011
Sep. 30, 2012
Sep. 30, 2011
Earnings Per Share, Diluted [Abstract]        
Net income allocated to common stock $ 3,270 $ 1,699 $ 7,702 $ 3,804
Adjusted weighted average common shares used in computing basic EPS 12,186,832 11,880,834 12,155,556 11,931,519
Add: Effect of dilutive stock options 93,291 65,397 76,960 72,442
Adjusted weighted average common shares used in computing diluted EPS 12,280,123 11,946,231 12,232,516 12,003,961
Diluted earnings per share $ 0.27 $ 0.14 $ 0.63 $ 0.32
Antidilutive securities excluded from computation of earnings per share amount 43,058 322,817 51,533 343,490
XML 24 R29.htm IDEA: XBRL DOCUMENT v2.4.0.6
Stockholders' Equity (Tables)
9 Months Ended
Sep. 30, 2012
Stockholders' Equity [Abstract]  
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]
      Minimum Capital Well-Capitalized Capital
 Actual Requirement Requirement
 Ratio  Amount Ratio (1) Amount Ratio  Amount
                 
 (Dollars in thousands)
Tier 1 Leverage Capital                
Marlin Business Services Corp.31.22% $171,433 4%  $21,962 5%  $27,453
Marlin Business Bank16.85% $66,212 5%  $19,651 5%  $19,651
Tier 1 Risk-based Capital                
Marlin Business Services Corp.33.30% $171,433 4%  $20,593 6%  $30,889
Marlin Business Bank16.55% $66,212 6%  $23,998 6%  $23,998
Total Risk-based Capital                
Marlin Business Services Corp.34.40% $177,089 8%  $41,186 10%  $51,482
Marlin Business Bank17.56% $70,232 15%  $59,996 10% (1) $39,997
XML 25 R28.htm IDEA: XBRL DOCUMENT v2.4.0.6
Earnings Per Common Share (Tables)
9 Months Ended
Sep. 30, 2012
Earnings Per Common Share ("EPS") [Abstract]  
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]
   Three Months Ended September 30, Nine Months Ended September 30,
   2012 2011 2012 2011
              
   (Dollars in thousands, except per-share data)
              
Basic EPS           
Net income$3,415 $1,831 $8,052 $4,115
 Less: net income allocated to participating securities 145  132  350  311
Net income allocated to common stock$3,270 $1,699 $7,702 $3,804
              
Weighted average common shares outstanding  12,737,833  12,803,343  12,731,329  12,905,582
 Less: Unvested restricted stock awards considered participating           
  securities (551,001)  (922,509)  (575,773)  (974,063)
Adjusted weighted average common shares used in computing           
  basic EPS 12,186,832  11,880,834  12,155,556  11,931,519
Basic EPS$0.27 $0.14 $0.63 $0.32
            
Diluted EPS           
Net income allocated to common stock$3,270 $1,699 $7,702 $3,804
              
Adjusted weighted average common shares used in computing           
  basic EPS 12,186,832  11,880,834  12,155,556  11,931,519
 Add: Effect of dilutive stock options  93,291  65,397  76,960  72,442
Adjusted weighted average common shares used in computing           
  diluted EPS 12,280,123  11,946,231  12,232,516  12,003,961
Diluted EPS$0.27 $0.14 $0.63 $0.32
XML 26 R44.htm IDEA: XBRL DOCUMENT v2.4.0.6
Stockholders' Equity (Narratives) (Details) (USD $)
3 Months Ended 9 Months Ended
Sep. 30, 2012
Sep. 30, 2011
Sep. 30, 2012
Sep. 30, 2011
Instrument Stock Repurchase Plan [Member]
       
Stock Repurchase [Line Items]        
Stock Repurchase Program, Authorized Amount $ 15,000,000      
Stock Repurchase Program, Remaining Authorized Repurchase Amount 5,700,000      
Stock Repurchased During Period, Shares 0 207,470 0 378,668
Stock Repurchased During Period, Average Cost Per Share   $ 11.49   $ 11.71
Instrument Equity Compensation Plan [Member]
       
Stock Repurchase [Line Items]        
Stock Repurchased During Period, Shares 5,708 10,683 110,915 97,608
Stock Repurchased During Period, Average Cost Per Share $ 16.89 $ 12.58 14.17 $ 11.73
Marlin Business Services Corp. [Member]
       
Regulatory Capital Requirements Miscellaneous Information [Line Items]        
Total stockholders equity (regulatory) 171,433,000   171,433,000  
Total Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets 8.00%   8.00%  
Tier One Leverage Capital Required Of Highest Rated Bank Holding Companies For Capital Adequacy To Average Assets 3.00%   3.00%  
Tier One Leverage Capital Required for Capital Adequacy to Average Assets 4.00%   4.00%  
Total Risk Based Capital to Risk Weighted Assets 34.40%   34.40%  
Marlin Business Bank [Member]
       
Regulatory Capital Requirements Miscellaneous Information [Line Items]        
Total stockholders equity (regulatory) $ 66,212,000   66,212,000  
Total Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets 15.00% [1]   15.00% [1]  
Tier One Leverage Capital Required for Capital Adequacy to Average Assets 5.00% [1]   5.00% [1]  
FDIC Agreement Capital Required To Be Well Capitalized To Risk Weighted Assets 15.00%   15.00%  
Total Risk Based Capital to Risk Weighted Assets 17.56%   17.56%  
[1] MBB is required to maintain “well-capitalized” status and must also maintain a total risk-based capital ratio greater than 15% pursuant to an agreement entered into by and among MBB, the Company, Marlin Leasing Corporation and the FDIC in conjunction with the opening of MBB (the “FDIC Agreement”).
XML 27 R30.htm IDEA: XBRL DOCUMENT v2.4.0.6
Stock-Based Compensation (Tables)
9 Months Ended
Sep. 30, 2012
Stock-Based Compensation [Abstract]  
Schedule of Stock-based Compensation, Stock Options Activity [Table Text Block]
   Weighted
   Average
 Number of Exercise Price
OptionsShares Per Share
Outstanding, December 31, 2011475,217 $10.93
Granted  
Exercised(32,963)  8.48
Forfeited(17,154)  10.33
Expired(4,644)  19.78
Outstanding, September 30, 2012420,456  11.05
Schedule of Stock-based Compensation, Options Outstanding and Exercisable under Stock Option Plans, by Exercise Price Range [Table Text Block]
 Options Outstanding   Options Exercisable
                      
     Weighted Weighted Aggregate   Weighted Weighted  Aggregate
     Average Average Intrinsic   Average Average  Intrinsic
Range of  Number Remaining  Exercise Value Number  Remaining  Exercise  Value
Exercise Prices   Outstanding  Life (Years)  Price (In thousands) Exercisable  Life (Years)  Price (In thousands)
$3.39 5,600 0.3 $3.39 $100 5,600 0.3 $3.39 $100
$7.17 - 10.18 224,952 2.5  9.10  2,724 120,608 2.6  8.74  1,504
$12.08 - 12.41 134,772 4.6  12.40  1,187 54,170 4.6  12.39  478
$14.00 - 16.01 37,672 1.2  14.33  259 37,672 1.2  14.33  259
$20.35 - 21.50 17,460 1.0  21.08  6 17,460 1.0  21.08  6
   420,456 3.0  11.05 $4,276 235,510 2.7  11.26 $2,347
Schedule of Stock-based Compensation, Restricted Stock Activity [Table Text Block]
   Weighted
   Average
   Grant-Date
Non-vested restricted stockShares   Fair Value
Outstanding at December 31, 2011790,484 $9.96
Granted87,589  14.37
Vested(325,268)  8.09
Forfeited(29,399)  10.31
Outstanding at September 30, 2012523,406  11.84
XML 28 R31.htm IDEA: XBRL DOCUMENT v2.4.0.6
Net Investment in Leases and Loans (Narratives) (Details) (USD $)
Sep. 30, 2012
Dec. 31, 2011
Sep. 30, 2011
Net Investment in Leases and Loans [Abstract]      
Loans and Leases Receivable, Collateral for Secured Borrowings $ 66,000,000    
Net Investment in Leases, Initial Direct Costs 8,900,000 7,200,000  
Product Information [Line Items]      
Estimated Residual Value of Equipment 30,463,000 32,743,000  
Non-accrual leases and loans, end of period 989,000 829,000 1,151,000
Renegotiated leases and loans, end of period 704,000 1,052,000 1,304,000
Copier Product [Member]
     
Product Information [Line Items]      
Estimated Residual Value of Equipment $ 24,400,000 $ 26,500,000  
XML 29 R8.htm IDEA: XBRL DOCUMENT v2.4.0.6
The Company
9 Months Ended
Sep. 30, 2012
The Company [Abstract]  
Organization
MARLIN BUSINESS SERVICES CORP. AND SUBSIDIARIES
NOTES TO UNAUDITED CONDENSED CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE 1 The Company

 

Description

 

Through its principal operating subsidiary, Marlin Leasing Corporation, Marlin Business Services Corp. provides equipment financing solutions nationwide, primarily to small and mid-sized businesses in a segment of the equipment leasing market commonly referred to in the industry as the “small-ticket” segment. The Company finances over 100 categories of commercial equipment important to its end user customers, including copiers, security systems, computers, telecommunications equipment and certain commercial and industrial equipment. Effective March 12, 2008, the Company opened Marlin Business Bank (“MBB”), a commercial bank chartered by the State of Utah and a member of the Federal Reserve System. MBB serves as the Company's primary funding source through its issuance of Federal Deposit Insurance Corporation (“FDIC”)-insured certificates of deposit. Marlin Business Services Corp. is managed as a single business segment. Marlin Business Services Corp. is a bank holding company and a financial holding company regulated by the Federal Reserve Board under the Bank Holding Company Act.

 

References to the “Company, “Marlin,” “Registrant,” “we,” “us” and “our” herein refer to Marlin Business Services Corp. and its wholly-owned subsidiaries, unless the context otherwise requires.

 

XML 30 R32.htm IDEA: XBRL DOCUMENT v2.4.0.6
Net Investment in Leases and Loans (Net Investment Components) (Details) (USD $)
In Thousands, unless otherwise specified
Sep. 30, 2012
Jun. 30, 2012
Dec. 31, 2011
Sep. 30, 2011
Jun. 30, 2011
Dec. 31, 2010
Net Investment in Leases and Loans [Abstract]            
Minimum lease payments receivable $ 540,364   $ 437,302      
Estimated Residual Value of Equipment 30,463   32,743      
Unearned Lease Income, Including Initial Direct Costs and Fees Deferred (90,769)   (74,199)      
Security Deposits (2,905)   (3,115)      
Loans, Including Unamortized Deferred Fees and Costs 514   462      
Allowance for Credit Losses (5,608) [1] (5,197) (5,353) [1] (5,459) [1] (6,175) (7,718)
Net investment in leases and loans $ 472,059   $ 387,840      
[1] At September 30, 2012, December 31, 2011 and September 30, 2011, there was no allowance for credit losses allocated to loans.
XML 31 R40.htm IDEA: XBRL DOCUMENT v2.4.0.6
Fair Value Measurements and Disclosures about the Fair Value of Financial Instruments (Balances Measured at Fair Value on a Recurring Basis) (Details) (USD $)
In Thousands, unless otherwise specified
Sep. 30, 2012
Dec. 31, 2011
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale $ 3,346 $ 1,780
Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Recurring [Member]
   
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale 3,346 1,780
Interest-rate caps purchased 0 0
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member]
   
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale 0 0
Interest-rate caps purchased $ 0 $ 6
XML 32 R2.htm IDEA: XBRL DOCUMENT v2.4.0.6
Condensed Consolidated Balance Sheets (Unaudited) (USD $)
In Thousands, unless otherwise specified
Sep. 30, 2012
Dec. 31, 2011
ASSETS    
Cash and due from banks $ 897 $ 1,035
Interest-earning deposits with banks 69,128 41,250
Total cash and cash equivalents 70,025 42,285
Restricted interest-earning deposits with banks (includes $6.3 million and $24.3 million at September 30, 2012 and December 31, 2011, respectively, related to consolidated variable interest entities (VIEs)) 10,747 28,637
Securities available for sale (amortized cost of $3.2 million and $1.7 million at September 30, 2012 and December 31, 2011, respectively) 3,346 1,780
Net investment in leases and loans (includes $13.9 million and $60.0 million at September 30, 2012 and December 31, 2011, respectively, related to consolidated VIEs) 472,059 387,840
Property and equipment, net 2,062 2,052
Property tax receivables 43 265
Other assets 20,755 23,110
Total assets 579,037 485,969
LIABILITIES AND STOCKHOLDERS EQUITY    
Deposits 341,993 198,579
Long-term borrowings (includes $5.8 million and $45.1 million at September 30, 2012 and December 31, 2011, respectively, related to consolidated VIEs) 33,083 92,004
Other liabilities:    
Sales and property taxes payable 4,537 2,169
Accounts payable and accrued expenses 10,764 8,791
Net deferred income tax liability 17,161 20,325
Total liabilities 407,538 321,868
Commitments And Contingencies      
Stockholders equity:    
Common Stock, $0.01 par value; 75,000,000 shares authorized; 12,740,504 and 12,760,266 shares issued and outstanding at September 30, 2012 and December 31, 2011, respectively 127 128
Preferred Stock, $0.01 par value; 5,000,000 shares authorized; none issued 0 0
Additional paid-in capital 87,361 85,544
Stock subscription receivable (2) (2)
Accumulated other comprehensive income 66 1
Retained earnings 83,947 78,430
Total stockholders equity 171,499 164,101
Total liabilities and stockholders equity $ 579,037 $ 485,969
XML 33 R45.htm IDEA: XBRL DOCUMENT v2.4.0.6
Stockholders' Equity (Regulatory Capital Ratios) (Details) (USD $)
In Thousands, unless otherwise specified
Sep. 30, 2012
Marlin Business Services Corp. [Member]
 
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]  
Tier One Leverage Capital $ 171,433
Tier One Leverage Capital Required for Capital Adequacy 21,962
Tier One Leverage Capital Required to be Well Capitalized 27,453
Tier One Risk Based Capital 171,433
Tier One Risk Based Capital Required for Capital Adequacy 20,593
Tier One Risk Based Capital Required to be Well Capitalized 30,889
Total Risk Based Capital 177,089
Total Risk Based Capital Required for Capital Adequacy 41,186
Total Risk Based Capital Required to be Well Capitalized 51,482
Tier One Leverage Capital to Average Assets 31.22%
Tier One Leverage Capital Required for Capital Adequacy to Average Assets 4.00%
Tier One Leverage Capital Required to be Well Capitalized to Average Assets 5.00%
Tier One Risk Based Capital to Risk Weighted Assets 33.30%
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets 4.00%
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets 6.00%
Total Risk Based Capital to Risk Weighted Assets 34.40%
Total Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets 8.00%
Total Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets 10.00%
Marlin Business Bank [Member]
 
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]  
Tier One Leverage Capital 66,212
Tier One Leverage Capital Required for Capital Adequacy 19,651
Tier One Leverage Capital Required to be Well Capitalized 19,651
Tier One Risk Based Capital 66,212
Tier One Risk Based Capital Required for Capital Adequacy 23,998
Tier One Risk Based Capital Required to be Well Capitalized 23,998
Total Risk Based Capital 70,232
Total Risk Based Capital Required for Capital Adequacy 59,996
Total Risk Based Capital Required to be Well Capitalized $ 39,997
Tier One Leverage Capital to Average Assets 16.85%
Tier One Leverage Capital Required for Capital Adequacy to Average Assets 5.00% [1]
Tier One Leverage Capital Required to be Well Capitalized to Average Assets 5.00%
Tier One Risk Based Capital to Risk Weighted Assets 16.55%
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets 6.00% [1]
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets 6.00%
Total Risk Based Capital to Risk Weighted Assets 17.56%
Total Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets 15.00% [1]
Total Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets 10.00% [1]
[1] MBB is required to maintain “well-capitalized” status and must also maintain a total risk-based capital ratio greater than 15% pursuant to an agreement entered into by and among MBB, the Company, Marlin Leasing Corporation and the FDIC in conjunction with the opening of MBB (the “FDIC Agreement”).
XML 34 R6.htm IDEA: XBRL DOCUMENT v2.4.0.6
Condensed Consolidated Statements of Stockholders' Equity (Unaudited) (USD $)
In Thousands, except Share data
Total
Common Stock [Member]
Additional Paid In Capital [Member]
Stock Subscription Receivable [Member]
Accumulated Other Comprehensive Income (Loss) [Member]
Retained Earnings [Member]
Balance at Dec. 31, 2010 $ 160,003 $ 129 $ 86,987 $ (2) $ (132) $ 73,021
Balance, Shares at Dec. 31, 2010   12,864,665        
Issuance of common stock 172    172      
Issuance of common stock, shares   14,597        
Repurchase of common stock (6,449) (6) (6,443)      
Repurchase of common stock, shares   (544,766)        
Exercise of stock options 1,234 2 1,232      
Exercise of stock options, shares   169,611        
Tax benefit on stock options exercised 260   260      
Stock option compensation recognized 96   96      
Restricted stock grant    3 (3)      
Restricted stock grant, shares   256,159        
Restricted stock compensation recognized 3,243   3,243      
Net change related to derivatives, net of tax 97       97  
Net change in unrealized gain/loss on securities available for sale, net of tax 36       36  
Net income 6,175         6,175
Cash dividends paid (766)         (766)
Balance at Dec. 31, 2011 164,101 128 85,544 (2) 1 78,430
Balance, Shares at Dec. 31, 2011 12,760,266 12,760,266        
Issuance of common stock 0 0 0      
Issuance of common stock, shares   0        
Repurchase of common stock (1,572) (1) (1,571)      
Repurchase of common stock, shares   (110,915)        
Exercise of stock options 279 0 279      
Exercise of stock options, shares 32,963 32,963        
Tax benefit on stock options exercised 113   113      
Stock option compensation recognized 29   29      
Restricted stock grant 0 0 0      
Restricted stock grant, shares   58,190        
Restricted stock compensation recognized 2,967   2,967      
Net change related to derivatives, net of tax 32       32  
Net change in unrealized gain/loss on securities available for sale, net of tax 33       33  
Net income 8,052         8,052
Cash dividends paid (2,535)         (2,535)
Balance at Sep. 30, 2012 $ 171,499 $ 127 $ 87,361 $ (2) $ 66 $ 83,947
Balance, Shares at Sep. 30, 2012 12,740,504 12,740,504        
XML 35 R35.htm IDEA: XBRL DOCUMENT v2.4.0.6
Allowance for Credit Losses (Details) (USD $)
In Thousands, unless otherwise specified
3 Months Ended 9 Months Ended 12 Months Ended
Sep. 30, 2012
Jun. 30, 2012
Sep. 30, 2011
Sep. 30, 2012
Sep. 30, 2011
Dec. 31, 2011
Allowance for Credit Losses [Roll Forward]            
Allowance for credit losses, beginning of period $ 5,197   $ 6,175 $ 5,353 [1] $ 7,718 $ 7,718
Charge-offs (1,429)   (2,029) (4,571) (6,904) (8,624)
Recoveries 426   476 1,280 1,705 2,125
Net charge-offs (1,003) (1,100) (1,553) (3,291) (5,199) (6,499)
Provision for credit losses 1,414   837 3,546 2,940 4,134
Allowance for credit losses, end of period 5,608 [1] 5,197 5,459 [1] 5,608 [1] 5,459 [1] 5,353 [1]
Annualized net charge-offs to average total finance receivables 0.89% [2] 1.04% 1.73% [2] 1.05% [2] 1.96% [2] 1.81% [2]
Allowance for credit losses to total finance receivables, end of period 1.20% [2]   1.49% [2] 1.20% [2] 1.49% [2] 1.39% [2]
Average total finance receivables 448,691 [2]   359,451 [2] 419,031 [2] 353,348 [2] 358,326 [2]
Total finance receivables, end of period 468,722 [2]   365,610 [2] 468,722 [2] 365,610 [2] 385,984 [2]
Delinquencies greater than 60 days past due 2,173   1,934 2,173 1,934 1,663
Delinquencies greater than 60 days past due as a percentage of total finance receivables 0.40% [3]   0.47% [3] 0.40% [3] 0.47% [3] 0.38% [3]
Allowance for credit losses to delinquent accounts greater than 60 days past due 258.08% [3]   282.26% [3] 258.08% [3] 282.26% [3] 321.89% [3]
Non-accrual leases and loans, end of period 989   1,151 989 1,151 829
Renegotiated leases and loans, end of period $ 704   $ 1,304 $ 704 $ 1,304 $ 1,052
[1] At September 30, 2012, December 31, 2011 and September 30, 2011, there was no allowance for credit losses allocated to loans.
[2] Total finance receivables include net investment in direct financing leases and loans. For purposes of asset quality and allowance calculations, the effects of (i) the allowance for credit losses and (ii) initial direct costs and fees deferred are excluded.
[3] Calculated as a percent of total minimum lease payments receivable for leases and as a percent of principal outstanding for loans.
XML 36 R22.htm IDEA: XBRL DOCUMENT v2.4.0.6
Net Investment in Leases and Loans (Tables)
9 Months Ended
Sep. 30, 2012
Net Investment in Leases and Loans [Abstract]  
Components of Net Investment in Leases and Loans [Table Text Block]
    September 30, December 31,
    2012 2011
         
    (Dollars in thousands)
         
Minimum lease payments receivable$540,364 $437,302
Estimated residual value of equipment 30,463  32,743
Unearned lease income, net of initial direct costs and fees deferred (90,769)  (74,199)
Security deposits (2,905)  (3,115)
Loans, including unamortized deferred fees and costs 514  462
Allowance for credit losses (5,608)  (5,353)
    $472,059 $387,840
Schedule of Future Minimum Lease Payments Receivable and Amortization of Unearned Lease Income [Table Text Block]
    Minimum Lease  
    Payments Income
    Receivable Amortization
         
    (Dollars in thousands)
         
Period Ending December 31,     
2012$58,976 $13,539
2013 198,729  39,954
2014 138,804  22,575
2015 86,635  10,571
2016 45,086  3,653
Thereafter 12,134  477
  $540,364 $90,769
XML 37 R36.htm IDEA: XBRL DOCUMENT v2.4.0.6
Other Assets (Details) (USD $)
In Thousands, unless otherwise specified
Sep. 30, 2012
Dec. 31, 2011
Prepaid Expense and Other Assets [Abstract]    
Accrued fees receivable $ 1,607 $ 1,644
Deferred transaction costs, net 714 1,219
Prepaid expenses 1,008 1,660
Income taxes receivable 13,547 16,131
Other assets, miscellaneous 3,879 2,456
Other assets, total $ 20,755 $ 23,110
XML 38 R24.htm IDEA: XBRL DOCUMENT v2.4.0.6
Other Assets (Tables)
9 Months Ended
Sep. 30, 2012
Prepaid Expense and Other Assets [Abstract]  
Schedule of Other Assets [Table Text Block]
    September 30, December 31,
    2012 2011
         
    (Dollars in thousands)
         
Accrued fees receivable$1,607 $1,644
Deferred transaction costs 714  1,219
Prepaid expenses 1,008  1,660
Income taxes receivable  13,547  16,131
Other  3,879  2,456
 $20,755 $23,110
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XML 40 R7.htm IDEA: XBRL DOCUMENT v2.4.0.6
Condensed Consolidated Statements of Cash Flows (Unaudited) (USD $)
In Thousands, unless otherwise specified
9 Months Ended
Sep. 30, 2012
Sep. 30, 2011
Cash flows from operating activities:    
Net income $ 8,052 $ 4,115
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation and amortization 1,642 1,905
Stock-based compensation 2,210 2,033
Excess tax benefits from stock-based payment arrangements (900) (627)
Amortization of deferred net losses on cash flow hedge derivatives 53 138
Change in fair value of derivatives 1 52
Provision for credit losses 3,546 2,940
Net deferred income taxes (3,207) (1,100)
Amortization of deferred initial direct costs and fees 4,117 3,914
Deferred initial direct costs and fees (5,853) (4,004)
Loss on equipment disposed 2,420 2,154
Effect of changes in other operating items:    
Other assets 2,700 3,416
Other liabilities 4,481 2,970
Net cash provided by operating activities 19,262 17,906
Cash flows from investing activities:    
Purchases of equipment for direct financing lease contracts and funds used to originate loans (234,493) (160,627)
Principal collections on leases and loans 142,866 138,085
Security deposits collected, net of refunds (210) (1,574)
Proceeds from the sale of equipment 3,388 3,681
Acquisitions of property and equipment (808) (706)
Change in restricted interest-earning deposits with banks 17,890 17,688
Purchases of securities available for sale (1,511) (176)
Net cash provided by (used in) investing activities (72,878) (3,629)
Cash flows from financing activities:    
Increase in deposits 143,414 64,479
Term securitization repayments (39,330) (68,398)
Warehouse and bank facility advances 11,891 37,681
Warehouse and bank facility repayments (31,482) (32,844)
Issuances of common stock 0 101
Repurchases of common stock (1,572) (5,578)
Dividends paid (2,535) 0
Exercise of stock options 279 988
Excess tax benefits from stock-based payment arrangements 900 627
Debt issuance costs (209) (14)
Net cash provided by (used in) financing activities 81,356 (2,958)
Net increase (decrease) in total cash and cash equivalents 27,740 11,319
Total cash and cash equivalents, beginning of period 42,285 37,026
Total cash and cash equivalents, end of period 70,025 48,345
Supplemental disclosures of cash flow information:    
Cash paid for interest on deposits and borrowings 4,475 7,983
Net cash paid for income taxes $ 4,849 $ 231
XML 41 R3.htm IDEA: XBRL DOCUMENT v2.4.0.6
Condensed Consolidated Balance Sheets (Parentheticals) (Unaudited) (USD $)
Sep. 30, 2012
Dec. 31, 2011
Condensed Consolidated Balance Sheets [Abstract]    
Available-for-sale securities, amortized cost $ 3,200,000 $ 1,700,000
Common stock par value $ 0.01 $ 0.01
Common stock shares authorized 75,000,000 75,000,000
Common stock shares issued 12,740,504 12,760,266
Common stock shares outstanding 12,740,504 12,760,266
Preferred stock - par or stated value $ 0.01 $ 0.01
Preferred stock shares authorized 5,000,000 5,000,000
Preferred stock shares issued 0 0
Variable Interest Entity [Line Items]    
Restricted interest-earning deposits with banks 10,747,000 28,637,000
Net investment in leases and loans 472,059,000 387,840,000
Long-term borrowings 33,083,000 92,004,000
Variable Interest Entity, Primary Beneficiary [Member]
   
Variable Interest Entity [Line Items]    
Restricted interest-earning deposits with banks 6,300,000 24,300,000
Net investment in leases and loans 13,900,000 60,000,000
Long-term borrowings $ 5,800,000 $ 45,100,000
XML 42 R17.htm IDEA: XBRL DOCUMENT v2.4.0.6
Earnings Per Common Share ("EPS")
9 Months Ended
Sep. 30, 2012
Earnings Per Common Share ("EPS") [Abstract]  
Earnings Per Common Share ("EPS")

NOTE 10 Earnings Per Common Share

 

The Company's restricted stock awards are paid non-forfeitable common stock dividends and thus meet the criteria of participating securities. Accordingly, EPS has been calculated using the two-class method, under which earnings are allocated to both common stock and participating securities.

 

Basic EPS has been computed by dividing net income allocated to common stock by the weighted average common shares used in computing basic EPS. For the computation of basic EPS, all shares of restricted stock have been deducted from the weighted average shares outstanding.

 

Diluted EPS has been computed by dividing net income allocated to common stock by the weighted average number of common shares used in computing basic EPS, further adjusted by including the dilutive impact of the exercise or conversion of common stock equivalents, such as stock options, into shares of common stock as if those securities were exercised or converted.

 

The following table provides net income and shares used in computing basic and diluted EPS:

   Three Months Ended September 30, Nine Months Ended September 30,
   2012 2011 2012 2011
              
   (Dollars in thousands, except per-share data)
              
Basic EPS           
Net income$3,415 $1,831 $8,052 $4,115
 Less: net income allocated to participating securities 145  132  350  311
Net income allocated to common stock$3,270 $1,699 $7,702 $3,804
              
Weighted average common shares outstanding  12,737,833  12,803,343  12,731,329  12,905,582
 Less: Unvested restricted stock awards considered participating           
  securities (551,001)  (922,509)  (575,773)  (974,063)
Adjusted weighted average common shares used in computing           
  basic EPS 12,186,832  11,880,834  12,155,556  11,931,519
Basic EPS$0.27 $0.14 $0.63 $0.32
            
Diluted EPS           
Net income allocated to common stock$3,270 $1,699 $7,702 $3,804
              
Adjusted weighted average common shares used in computing           
  basic EPS 12,186,832  11,880,834  12,155,556  11,931,519
 Add: Effect of dilutive stock options  93,291  65,397  76,960  72,442
Adjusted weighted average common shares used in computing           
  diluted EPS 12,280,123  11,946,231  12,232,516  12,003,961
Diluted EPS$0.27 $0.14 $0.63 $0.32

For the three-month periods ended September 30, 2012 and September 30, 2011, options to purchase 43,058 and 322,817 shares of common stock were not considered in the computation of potential common shares for purposes of diluted EPS, since the exercise prices of the options were greater than the average market price of the Company's common stock for the respective periods.

 

For the nine-month periods ended September 30, 2012 and September 30, 2011, options to purchase 51,533 and 343,490 shares of common stock were not considered in the computation of potential common shares for purposes of diluted EPS, since the exercise prices of the options were greater than the average market price of the Company's common stock for the respective periods.

 

XML 43 R1.htm IDEA: XBRL DOCUMENT v2.4.0.6
Document and Entity Information
9 Months Ended
Sep. 30, 2012
Oct. 25, 2012
Document And Entity Information [Abstract]    
Document Type 10-Q  
Document period end date Sep. 30, 2012  
Amendment flag false  
Document Fiscal Year Focus 2012  
Document Fiscal Period Focus Q3  
Current fiscal year end date --12-31  
Entity central index key 0001260968  
Entity current reporting status Yes  
Entity filer category Accelerated Filer  
Entity registrant name MARLIN BUSINESS SERVICES CORP.  
Entity voluntary filers No  
Entity well known seasoned issuer No  
Entity common stock shares outstanding   12,742,354
XML 44 R18.htm IDEA: XBRL DOCUMENT v2.4.0.6
Stockholders' Equity
9 Months Ended
Sep. 30, 2012
Stockholders' Equity [Abstract]  
Stockholders' Equity

NOTE 11 Stockholders' Equity

 

Stockholders' Equity

 

On November 2, 2007, the Company's Board of Directors approved a stock repurchase plan. Under this program, the Company is authorized to repurchase up to $15 million in value of its outstanding shares of common stock. This authority may be exercised from time to time and in such amounts as market conditions warrant. Any shares purchased under this plan are returned to the status of authorized but unissued shares of common stock. The repurchases may be made on the open market, in block trades or otherwise. The program may be suspended or discontinued at any time. The repurchases are funded using the Company's working capital.

 

During the three-month and nine-month periods ended September 30, 2012, the Company had no repurchases of common stock in the open market. The Company purchased 207,470 shares of its common stock at an average cost of $11.49 per share during the three-month period ended September 30, 2011. The Company purchased 378,668 shares of its common stock at an average cost of $11.71 per share during the nine-month period ended September 30, 2011. At September 30, 2012, the Company had $5.7 million remaining in its stock repurchase plan authorized by the Board of Directors.

 

In addition to the repurchases described above, pursuant to the Company's 2003 Equity Compensation Plan, as Amended (the “2003 Plan”), participants may have shares withheld to cover income taxes. There were 5,708 and 110,915 shares repurchased to cover income tax withholding during the three- and nine-month periods ended September 30, 2012, at average per-share costs of $16.89 and $14.17, respectively. There were 10,683 and 97,608 shares repurchased to cover income tax withholding during the three- and nine-month periods ended September 30, 2011, at average per-share costs of $12.58 and $11.73, respectively.

Regulatory Capital Requirements

 

Through its issuance of FDIC-insured certificates of deposit, MBB serves as the Company's primary funding source. Over time, MBB may offer other products and services to the Company's customer base. MBB operates as a Utah state-chartered, Federal Reserve member commercial bank, insured by the FDIC. As a state-chartered Federal Reserve member bank, MBB is supervised by both the Federal Reserve Bank of San Francisco and the Utah Department of Financial Institutions.

 

MBB is subject to capital adequacy guidelines issued by the Federal Financial Institutions Examination Council (the "FFIEC"). These risk-based capital and leverage guidelines make regulatory capital requirements more sensitive to differences in risk profiles among banking organizations and consider off-balance sheet exposures in determining capital adequacy. The FFIEC and/or the U.S. Congress may determine to increase capital requirements in the future due to the current economic environment. Under the rules and regulations of the FFIEC, at least half of a bank's total capital is required to be "Tier 1 Capital" as defined in the regulations, comprised of common equity, retained earnings and a limited amount of non-cumulative perpetual preferred stock. The remaining capital, "Tier 2 Capital," as defined in the regulations, may consist of other preferred stock, a limited amount of term subordinated debt or a limited amount of the reserve for possible credit losses. The FFIEC has also adopted minimum leverage ratios for banks, which are calculated by dividing Tier 1 Capital by total quarterly average assets. Recognizing that the risk-based capital standards principally address credit risk rather than interest rate, liquidity, operational or other risks, many banks are expected to maintain capital in excess of the minimum standards. The Company plans to provide the necessary capital to maintain MBB at “well-capitalized” status as defined by banking regulations. MBB's Tier 1 Capital balance at September 30, 2012 was $66.2 million, which met all capital requirements to which MBB is subject and qualified MBB for “well-capitalized” status. Bank holding companies are required to comply with the Federal Reserve Board's risk-based capital guidelines that require a minimum ratio of total capital to risk-weighted assets of 8%. At least half of the total capital is required to be Tier 1 Capital. In addition to the risk-based capital guidelines, the Federal Reserve Board has adopted a minimum leverage capital ratio under which a bank holding company must maintain a ratio of Tier 1 Capital to average total consolidated assets of at least 3% in the case of a bank holding company which has the highest regulatory examination rating and is not contemplating significant growth or expansion. All other bank holding companies are expected to maintain a leverage capital ratio of at least 4%. At September 30, 2012, Marlin Business Services Corp. also exceeded its regulatory capital requirements and was considered “well-capitalized” as defined by federal banking regulations.

 

The following table sets forth the Tier 1 leverage ratio, Tier 1 risk-based capital ratio and total risk-based capital ratio for Marlin Business Services Corp. and MBB at September 30, 2012.

 

      Minimum Capital Well-Capitalized Capital
 Actual Requirement Requirement
 Ratio  Amount Ratio (1) Amount Ratio  Amount
                 
 (Dollars in thousands)
Tier 1 Leverage Capital                
Marlin Business Services Corp.31.22% $171,433 4%  $21,962 5%  $27,453
Marlin Business Bank16.85% $66,212 5%  $19,651 5%  $19,651
Tier 1 Risk-based Capital                
Marlin Business Services Corp.33.30% $171,433 4%  $20,593 6%  $30,889
Marlin Business Bank16.55% $66,212 6%  $23,998 6%  $23,998
Total Risk-based Capital                
Marlin Business Services Corp.34.40% $177,089 8%  $41,186 10%  $51,482
Marlin Business Bank17.56% $70,232 15%  $59,996 10% (1) $39,997

__________________

(1) MBB is required to maintain “well-capitalized” status and must also maintain a total risk-based capital ratio greater than 15% pursuant to an agreement entered into by and among MBB, the Company, Marlin Leasing Corporation and the FDIC in conjunction with the opening of MBB (the “FDIC Agreement”).

 

Prompt Corrective Action. The Federal Deposit Insurance Corporation Improvement Act of 1991 (“FDICIA”) requires the federal regulators to take prompt corrective action against any undercapitalized institution. Five capital categories have been established under federal banking regulations: well-capitalized, adequately capitalized, undercapitalized, significantly undercapitalized and critically undercapitalized. Well-capitalized institutions significantly exceed the required minimum level for each relevant capital measure. Adequately capitalized institutions include depository institutions that meet but do not significantly exceed the required minimum level for each relevant capital measure. Undercapitalized institutions consist of those that fail to meet the required minimum level for one or more relevant capital measures. Significantly undercapitalized characterizes depository institutions with capital levels significantly below the minimum requirements for any relevant capital measure. Critically undercapitalized refers to depository institutions with minimal capital and at serious risk for government seizure.

 

Under certain circumstances, a well-capitalized, adequately capitalized or undercapitalized institution may be treated as if the institution were in the next lower capital category. A depository institution is generally prohibited from making capital distributions, including paying dividends, or paying management fees to a holding company if the institution would thereafter be undercapitalized. Institutions that are adequately capitalized but not well-capitalized cannot accept, renew or roll over brokered deposits except with a waiver from the FDIC and are subject to restrictions on the interest rates that can be paid on such deposits. Undercapitalized institutions may not accept, renew or roll over brokered deposits.

 

The federal bank regulatory agencies are permitted or, in certain cases, required to take certain actions with respect to institutions falling within one of the three undercapitalized categories. Depending on the level of an institution's capital, the agency's corrective powers include, among other things:

 

•       prohibiting the payment of principal and interest on subordinated debt;

•       prohibiting the holding company from making distributions without prior regulatory approval;

•       placing limits on asset growth and restrictions on activities;

•       placing additional restrictions on transactions with affiliates;

•       restricting the interest rate the institution may pay on deposits;

•       prohibiting the institution from accepting deposits from correspondent banks; and

•       in the most severe cases, appointing a conservator or receiver for the institution.

A banking institution that is undercapitalized is required to submit a capital restoration plan, and such a plan will not be accepted unless, among other things, the banking institution's holding company guarantees the plan up to a certain specified amount. Any such guarantee from a depository institution's holding company is entitled to a priority of payment in bankruptcy.

 

Pursuant to the FDIC Agreement, MBB must keep its total risk-based capital ratio above 15%. MBB's total risk-based capital ratio of 17.56% at September 30, 2012 exceeded the threshold for “well capitalized” status under the applicable laws and regulations, and also exceeded the 15% minimum total risk-based capital ratio required in the FDIC Agreement.

 

Dividends. The Federal Reserve Board has issued policy statements which provide that, as a general matter, insured banks and bank holding companies should pay dividends only out of current operating earnings.

 

XML 45 R4.htm IDEA: XBRL DOCUMENT v2.4.0.6
Condensed Consolidated Statements of Operations (Unaudited) (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended 9 Months Ended
Sep. 30, 2012
Sep. 30, 2011
Sep. 30, 2012
Sep. 30, 2011
Condensed Consolidated Statements of Operations (Unaudited)        
Interest income $ 13,688 $ 11,073 $ 38,571 $ 32,836
Fee income 2,966 3,105 8,854 9,163
Interest and fee income 16,654 14,178 47,425 41,999
Interest expense 1,496 2,706 5,417 9,061
Net interest and fee income 15,158 11,472 42,008 32,938
Provision for credit losses 1,414 837 3,546 2,940
Net interest and fee income after provision for credit losses 13,744 10,635 38,462 29,998
Other income:        
Insurance income 1,029 761 3,059 2,690
Gain (loss) on derivatives 1 (8) (1) (52)
Other income 452 574 1,119 1,290
Other income 1,482 1,327 4,177 3,928
Other expense:        
Salaries and benefits 5,988 5,559 18,683 16,880
General and administrative 3,390 3,226 10,174 9,842
Financing related costs 250 177 637 523
Other expense 9,628 8,962 29,494 27,245
Income before income taxes 5,598 3,000 13,145 6,681
Income tax expense 2,183 1,169 5,093 2,566
Net income $ 3,415 $ 1,831 $ 8,052 $ 4,115
Basic earnings per share $ 0.27 $ 0.14 $ 0.63 $ 0.32
Diluted earnings per share $ 0.27 $ 0.14 $ 0.63 $ 0.32
Cash dividends declared per share $ 0.08 $ 0 $ 0.20 $ 0
XML 46 R12.htm IDEA: XBRL DOCUMENT v2.4.0.6
Other Assets
9 Months Ended
Sep. 30, 2012
Other Assets [Abstract]  
Other Assets

NOTE 5 Other Assets

 

Other assets are comprised of the following:

    September 30, December 31,
    2012 2011
         
    (Dollars in thousands)
         
Accrued fees receivable$1,607 $1,644
Deferred transaction costs 714  1,219
Prepaid expenses 1,008  1,660
Income taxes receivable  13,547  16,131
Other  3,879  2,456
 $20,755 $23,110
XML 47 R11.htm IDEA: XBRL DOCUMENT v2.4.0.6
Allowance for Credit Losses
9 Months Ended
Sep. 30, 2012
Allowance For Credit Losses [Abstract]  
Allowance For Credit Losses

NOTE 4 Allowance for Credit Losses

 

In accordance with the Contingencies Topic of the FASB ASC, we maintain an allowance for credit losses at an amount sufficient to absorb losses inherent in our existing lease and loan portfolios as of the reporting dates based on our estimate of probable net credit losses.

 

The chart which follows provides activity in the allowance for credit losses and asset quality statistics.

 Three Months Ended Nine Months Ended Year Ended
September 30, September 30, December 31,
 2012 2011 2012 2011 2011
               
 (Dollars in thousands)
Allowance for credit losses, beginning of period$5,197 $6,175 $5,353 $7,718 $7,718
Charge-offs (1,429)  (2,029)  (4,571)  (6,904)  (8,624)
Recoveries 426  476  1,280  1,705  2,125
Net charge-offs (1,003)  (1,553)  (3,291)  (5,199)  (6,499)
Provision for credit losses 1,414  837  3,546  2,940  4,134
Allowance for credit losses, end of period(1)$5,608 $5,459 $5,608 $5,459 $5,353
               
Annualized net charge-offs to average total               
finance receivables (2) 0.89%  1.73%  1.05%  1.96%  1.81%
               
Allowance for credit losses to total               
finance receivables, end of period (2) 1.20%  1.49%  1.20%  1.49%  1.39%
               
Average total finance receivables (2)$448,691 $359,451 $419,031 $353,348 $358,326
Total finance receivables, end of period (2)$468,722 $365,610 $468,722 $365,610 $385,984
               
Delinquencies greater than 60 days past due$2,173 $1,934 $2,173 $1,934 $1,663
Delinquencies greater than 60 days past due (3) 0.40%  0.47%  0.40%  0.47%  0.38%
Allowance for credit losses to delinquent               
accounts greater than 60 days past due (3) 258.08%  282.26%  258.08%  282.26%  321.89%
               
Non-accrual leases and loans, end of period$989 $1,151 $989 $1,151 $829
Renegotiated leases and loans, end of period$704 $1,304 $704 $1,304 $1,052

__________________

(1)       At September 30, 2012, December 31, 2011 and September 30, 2011, there was no allowance for credit losses allocated to loans.

(2)       Total finance receivables include net investment in direct financing leases and loans. For purposes of asset quality and allowance calculations, the effects of (i) the allowance for credit losses and (ii) initial direct costs and fees deferred are excluded.

(3)       Calculated as a percent of total minimum lease payments receivable for leases and as a percent of principal outstanding for loans.

 

Net investments in finance receivables are generally charged-off when they are contractually past due for 121 days. Income is not recognized on leases or loans when a default on monthly payment exists for a period of 90 days or more. Income recognition resumes when a lease or loan becomes less than 90 days delinquent. At September 30, 2012, September 30, 2011 and December 31, 2011, there were no finance receivables past due 90 days or more and still accruing.

 

Net charge-offs for the three-month period ended September 30, 2012 were $1.0 million (0.89% of average total finance receivables on an annualized basis), compared to $1.1 million (1.04% of average total finance receivables on an annualized basis) for the three-month period ended June 30, 2012. The decrease in net charge-offs during the three-month period ended September 30, 2012 compared to recent previous periods is primarily due to improving delinquency migrations, partially offset by the growth in average total finance receivables. Our key credit quality indicator is delinquency status.

 

XML 48 R23.htm IDEA: XBRL DOCUMENT v2.4.0.6
Allowance for Credit Losses (Tables)
9 Months Ended
Sep. 30, 2012
Allowance For Credit Losses [Abstract]  
Allowance for Credit Losses on Finance Receivables [Table Text Block]
 Three Months Ended Nine Months Ended Year Ended
September 30, September 30, December 31,
 2012 2011 2012 2011 2011
               
 (Dollars in thousands)
Allowance for credit losses, beginning of period$5,197 $6,175 $5,353 $7,718 $7,718
Charge-offs (1,429)  (2,029)  (4,571)  (6,904)  (8,624)
Recoveries 426  476  1,280  1,705  2,125
Net charge-offs (1,003)  (1,553)  (3,291)  (5,199)  (6,499)
Provision for credit losses 1,414  837  3,546  2,940  4,134
Allowance for credit losses, end of period(1)$5,608 $5,459 $5,608 $5,459 $5,353
               
Annualized net charge-offs to average total               
finance receivables (2) 0.89%  1.73%  1.05%  1.96%  1.81%
               
Allowance for credit losses to total               
finance receivables, end of period (2) 1.20%  1.49%  1.20%  1.49%  1.39%
               
Average total finance receivables (2)$448,691 $359,451 $419,031 $353,348 $358,326
Total finance receivables, end of period (2)$468,722 $365,610 $468,722 $365,610 $385,984
               
Delinquencies greater than 60 days past due$2,173 $1,934 $2,173 $1,934 $1,663
Delinquencies greater than 60 days past due (3) 0.40%  0.47%  0.40%  0.47%  0.38%
Allowance for credit losses to delinquent               
accounts greater than 60 days past due (3) 258.08%  282.26%  258.08%  282.26%  321.89%
               
Non-accrual leases and loans, end of period$989 $1,151 $989 $1,151 $829
Renegotiated leases and loans, end of period$704 $1,304 $704 $1,304 $1,052
XML 49 R19.htm IDEA: XBRL DOCUMENT v2.4.0.6
Stock-Based Compensation
9 Months Ended
Sep. 30, 2012
Stock-Based Compensation [Abstract]  
Stock-Based Compensation

NOTE 12 Stock-Based Compensation

 

Under the terms of the 2003 Plan, employees, certain consultants and advisors and non-employee members of the Company's Board of Directors have the opportunity to receive incentive and nonqualified grants of stock options, stock appreciation rights, restricted stock and other equity-based awards as approved by the Company's Board of Directors. These award programs are used to attract, retain and motivate employees and to encourage individuals in key management roles to retain stock. The Company has a policy of issuing new shares to satisfy awards under the 2003 Plan. In May 2012, the Company's shareholders approved an increase of 850,000 shares authorized under the Company's 2003 Plan. As a result, the aggregate number of shares under the 2003 Plan that may be issued pursuant to stock options or restricted stock grants is 4,150,000. Not more than 2,500,000 of such shares shall be available for issuance as restricted stock grants. There were 1,034,929 shares available for future grants under the 2003 Plan as of September 30, 2012, of which 872,802 shares were available to be issued as restricted stock grants.

 

Total stock-based compensation expense was $0.3 million for the three-month period ended September 30, 2012 and $0.4 million for the three-month period ended September 30, 2011. Total stock-based compensation expense was $2.2 million and $2.0 million for the nine-month periods ended September 30, 2012 and September 30, 2011, respectively. Excess tax benefits from stock-based payment arrangements increased cash provided by financing activities and decreased cash provided by operating activities by $0.9 million and $0.6 million for the nine-month periods ended September 30, 2012 and September 30, 2011, respectively.

Stock Options

 

Option awards are generally granted with an exercise price equal to the market price of the Company's stock at the date of the grant and have 7- to 10-year contractual terms. All options issued contain service conditions based on the participant's continued service with the Company and provide for accelerated vesting if there is a change in control as defined in the 2003 Plan. Employee stock options generally vest over four years. The Company also issues stock options to non-employee independent directors. These options generally vest in one year.

 

There were no stock options granted during the three-month and nine-month periods ended September 30, 2012. There were no stock options granted during the three-month and nine-month periods ended September 30, 2011.

 

A summary of option activity for the nine month period ended September 30, 2012 follows:

   Weighted
   Average
 Number of Exercise Price
OptionsShares Per Share
Outstanding, December 31, 2011475,217 $10.93
Granted  
Exercised(32,963)  8.48
Forfeited(17,154)  10.33
Expired(4,644)  19.78
Outstanding, September 30, 2012420,456  11.05

During each of the three-month periods ended September 30, 2012 and September 30, 2011, the Company recognized total compensation expense related to options of less than $0.1 million. During each of the nine-month periods ended September 30, 2012 and September 30, 2011, the Company recognized total compensation expense related to options of less than $0.1 million.

There were 29,219 stock options exercised during the three-month period ended September 30, 2012. There were 93,940 stock options exercised for the three-month period ended September 30, 2011. The total pretax intrinsic value of stock options exercised was $0.3 million for the three-month period ended September 30, 2012. The total pretax intrinsic value of stock options exercised was $0.1 million for the three-month period ended September 30, 2011. The related tax benefit realized from the exercise of stock options for the three-month period ended September 30, 2012 was $0.1 million. The related tax benefits realized from the exercise of stock options for the three-month period ended September 30, 2011 were $0.1 million.

 

The total pretax intrinsic values of stock options exercised were $0.3 million and $0.1 million for the nine-month periods ended September 30, 2012 and September 30, 2011, respectively. The related tax benefits realized from the exercise of stock options for the nine-month periods ended September 30, 2012 and September 30, 2011 were $0.1 million and $0.1 million, respectively.

 

The following table summarizes information about the stock options outstanding and exercisable as of September 30, 2012:

 Options Outstanding   Options Exercisable
                      
     Weighted Weighted Aggregate   Weighted Weighted  Aggregate
     Average Average Intrinsic   Average Average  Intrinsic
Range of  Number Remaining  Exercise Value Number  Remaining  Exercise  Value
Exercise Prices   Outstanding  Life (Years)  Price (In thousands) Exercisable  Life (Years)  Price (In thousands)
$3.39 5,600 0.3 $3.39 $100 5,600 0.3 $3.39 $100
$7.17 - 10.18 224,952 2.5  9.10  2,724 120,608 2.6  8.74  1,504
$12.08 - 12.41 134,772 4.6  12.40  1,187 54,170 4.6  12.39  478
$14.00 - 16.01 37,672 1.2  14.33  259 37,672 1.2  14.33  259
$20.35 - 21.50 17,460 1.0  21.08  6 17,460 1.0  21.08  6
   420,456 3.0  11.05 $4,276 235,510 2.7  11.26 $2,347

The aggregate intrinsic value in the preceding table represents the total pretax intrinsic value, based on the Company's closing stock price of $21.21 as of September 30, 2012, which would have been received by the option holders had all option holders exercised their options as of that date.

 

As of September 30, 2012, the total future compensation cost related to non-vested stock options not yet recognized in the Consolidated Statements of Operations was $0.1 million and the weighted average period over which these awards are expected to be recognized was 1.3 years. As of September 30, 2012, $0.7 million of additional potential compensation cost related to non-vested stock options has not been recognized due to performance targets not being achieved. However, in certain circumstances, these options may be subject to vesting prior to their expiration dates. The weighted average remaining term of these options is approximately 3.4 years.

Restricted Stock Awards

 

Restricted stock awards provide that, during the applicable vesting periods, the shares awarded may not be sold or transferred by the participant. The vesting period for restricted stock awards generally ranges from three to 10 years. All awards issued contain service conditions based on the participant's continued service with the Company and provide for accelerated vesting if there is a change in control as defined in the 2003 Plan.

 

The vesting of certain restricted shares may be accelerated to a minimum of three years based on achievement of various individual performance measures. Acceleration of expense for awards based on individual performance factors occurs when the achievement of the performance criteria is determined.

 

In addition, the Company has issued certain shares under a Management Stock Ownership Program. Under this program, restrictions on the shares lapse at the end of 10 years but may lapse (vest) in a minimum of three years if the employee continues in service at the Company and owns a matching number of other common shares in addition to the restricted shares.

 

Of the total restricted stock awards granted during the nine-month period ended September 30, 2012, 29,405 shares may be subject to accelerated vesting based on individual performance factors; no shares have vesting contingent upon performance factors. Vesting was accelerated in 2012 on certain awards based on the achievement of certain performance criteria determined annually, as described below.

 

The Company also issues restricted stock to non-employee independent directors. These shares generally vest in seven years from the grant date or six months following the director's termination from Board of Directors service.

 

The following table summarizes the activity of the non-vested restricted stock during the nine months ended September 30, 2012:

 

   Weighted
   Average
   Grant-Date
Non-vested restricted stockShares   Fair Value
Outstanding at December 31, 2011790,484 $9.96
Granted87,589  14.37
Vested(325,268)  8.09
Forfeited(29,399)  10.31
Outstanding at September 30, 2012523,406  11.84

During the three-month periods ended September 30, 2012 and September 30, 2011, the Company granted restricted stock awards with grant date fair values totaling $0.1 million and $0.2 million, respectively. During the nine-month periods ended September 30, 2012 and September 30, 2011, the Company granted restricted stock awards with grant date fair values totaling $1.3 million and $3.2 million, respectively.

 

As vesting occurs, or is deemed likely to occur, compensation expense is recognized over the requisite service period and additional paid-in capital is increased. The Company recognized $0.3 million and $0.4 million of compensation expense related to restricted stock for the three-month periods ended September 30, 2012 and September 30, 2011, respectively. The Company recognized $2.2 million and $2.0 million of compensation expense related to restricted stock for the nine-month periods ended September 30, 2012 and September 30, 2011, respectively.

 

Of the $2.2 million total compensation expense related to restricted stock for the nine-month period ended September 30, 2012, approximately $1.0 million related to accelerated vesting during the first quarter of 2012, based on the achievement of certain performance criteria determined annually. Of the $2.0 million total compensation expense related to restricted stock for the nine-month period ended September 30, 2011, approximately $0.6 million related to accelerated vesting during the first quarter of 2011, also based on the achievement of certain performance criteria determined annually.

 

As of September 30, 2012, there was $3.6 million of unrecognized compensation cost related to non-vested restricted stock compensation scheduled to be recognized over a weighted average period of 3.8 years. In the event individual performance targets are achieved, $1.0 million of the unrecognized compensation cost would accelerate to be recognized over a weighted average period of 0.9 years. In addition, certain of the awards granted may result in the issuance of 58,336 additional shares of stock if achievement of certain targets is greater than 100%. The expense related to the additional shares awarded will be dependent on the Company's stock price when the achievement level is determined.

 

The fair values of shares that vested during the three-month periods ended September 30, 2012 and September 30, 2011 were $0.3 million and $0.4 million, respectively. The fair values of shares that vested during the nine-month periods ended September 30, 2012 and September 30, 2011 were $4.6 million and $3.6 million, respectively.

 

Employee Stock Purchase Plan

 

In May 2012, the Company's shareholders approved the adoption of the Company's 2012 Employee Stock Purchase Plan (the “ESPP”). Under the terms of the ESPP, employees have the opportunity to set aside up to 10% of their compensation (subject to certain maximums) and to purchase shares of common stock during designated offering periods at a price equal to the lesser of 95% of the fair market value per share on the first day of the offering period or the fair market value per share on the purchase date. The aggregate number of shares that may be issued under the ESPP is 140,000.

XML 50 R15.htm IDEA: XBRL DOCUMENT v2.4.0.6
Long-term Borrowings
9 Months Ended
Sep. 30, 2012
Long Term Borrowings [Abstract]  
Long-term Borrowings

NOTE 8 Long-term Borrowings

 

Borrowings with an original maturity of one year or more are classified as long-term borrowings. The Company's term note securitizations and long-term loan facilities are classified as long-term borrowings.

 

Scheduled principal and interest payments on outstanding borrowings as of September 30, 2012 are as follows:

    Principal Interest(1)
         
    (Dollars in thousands)
         
Period Ending December 31,     
2012$11,419 $260
2013 3,603  543
2014 18,057  384
2015 4  
2016   
 $33,083 $1,187

__________________

(1) Interest on variable-rate long-term loan facilities is assumed at the September 30, 2012 rate for the remaining term.

 

XML 51 R13.htm IDEA: XBRL DOCUMENT v2.4.0.6
Commitments and Contingencies
9 Months Ended
Sep. 30, 2012
Commitments and Contingencies [Abstract]  
Commitments And Contingencies

NOTE 6 Commitments and Contingencies

 

MBB is a member bank in a non-profit, multi-financial institution consortium serving as a catalyst for community development by offering flexible financing for affordable, quality housing to low- and moderate-income residents. Currently, MBB receives approximately 1.14% participation in each funded loan under the program. MBB records loans in its financial statements when they have been funded or become payable. Such loans help MBB satisfy its obligations under the Community Reinvestment Act of 1977. At September 30, 2012, MBB had an unfunded commitment of $1.4 million for this activity. Unless renewed prior to termination, MBB's membership in the consortium will expire in June 2013.

 

The Company is involved in legal proceedings, which include claims, litigation and suits arising in the ordinary course of business. In the opinion of management, these actions will not have a material effect on the Company's consolidated financial position, results of operations or cash flows.

XML 52 R14.htm IDEA: XBRL DOCUMENT v2.4.0.6
Deposits
9 Months Ended
Sep. 30, 2012
Deposits [Abstract]  
Deposits

NOTE 7 Deposits

 

MBB serves as the Company's primary funding source. MBB issues fixed-rate FDIC-insured certificates of deposit raised nationally through various brokered deposit relationships and fixed-rate FDIC-insured retail deposits directly from other financial institutions. As of September 30, 2012, the remaining scheduled maturities of time deposits are as follows:

    Scheduled
    Maturities
    (Dollars in thousands)
      
Period Ending December 31,  
2012$28,652
2013 118,850
2014 86,550
2015 54,047
2016 35,209
Thereafter 18,685
    $341,993

All time deposits are in denominations of $250,000 or less. The FDIC insures deposits up to $250,000 per depositor. The weighted average all-in interest rate of deposits outstanding at September 30, 2012 was 1.07%.

XML 53 R16.htm IDEA: XBRL DOCUMENT v2.4.0.6
Fair Value Measurements and Disclosures about the Fair Value of Financial Instruments
9 Months Ended
Sep. 30, 2012
Fair Value Measurements And Disclosures About Fair Value Of Financial Instruments [Abstract]  
Fair Value Measurements and Disclosures about the Fair Value of Financial Instruments

NOTE 9 Fair Value Measurements and Disclosures about the Fair Value of Financial Instruments

 

Fair Value Measurements

 

The Fair Value Measurements and Disclosures Topic of the FASB ASC establishes a framework for measuring fair value and requires certain disclosures about fair value measurements. Its provisions do not apply to fair value measurements for purposes of lease classification and measurement, which is addressed in the Leases Topic of the FASB ASC.

 

Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants in the principal or most advantageous market for the asset or liability at the measurement date (exit price). A three-level valuation hierarchy is required for disclosure of fair value measurements based upon the transparency of inputs to the valuation of an asset or liability as of the measurement date. The fair value hierarchy gives the highest priority to quoted prices (unadjusted) in active markets for identical assets or liabilities (Level 1) and the lowest priority to unobservable inputs (Level 3). The level in the fair value hierarchy within which the fair value measurement in its entirety falls is determined based on the lowest level input that is significant to the measurement in its entirety.

 

The three levels are defined as follows:

  • Level 1 – Inputs to the valuation are unadjusted quoted prices in active markets for identical assets or liabilities.
  • Level 2 – Inputs to the valuation may include quoted prices for similar assets and liabilities in active or inactive markets, and inputs other than quoted prices, such as interest rates and yield curves, which are observable for the asset or liability for substantially the full term of the financial instrument.
  • Level 3 – Inputs to the valuation are unobservable and significant to the fair value measurement. Level 3 inputs shall be used to measure fair value only to the extent that observable inputs are not available.

 

From time to time the Company uses derivative financial instruments to manage exposure to the effects of changes in market interest rates and to fulfill certain covenants in our borrowing arrangements. All derivatives are recorded on the Consolidated Balance Sheets at their fair value as either assets or liabilities using measurements classified as Level 2. Because the Company's derivatives are not listed on an exchange, the Company values these instruments using a valuation model with pricing inputs that are observable in the market or that can be derived principally from or corroborated by observable market data. These inputs include the forward London Interbank Offered Rate (“LIBOR”) curve on which the variable payments are based and the applicable interest-rate swap market curve. The Company's methodology also incorporates the impact of both the Company's and the counterparty's credit standing.

 

All of the Company's derivative financial instruments are measured at fair value on a recurring basis, computed using fair value measurements classified as Level 2. The fair value of securities available for sale is computed using fair value measurements classified as Level 1, since prices are obtained from quoted prices in an active market. The Company's balances measured at fair value on a recurring basis include the following as of September 30, 2012 and December 31, 2011:

    September 30, 2012 December 31, 2011
    Fair Value Measurements Using Fair Value Measurements Using
    Level 1 Level 2 Level 1 Level 2
               
    (Dollars in thousands)
               
Assets           
 Securities available for sale$3,346 $ $1,780 $
 Interest-rate caps purchased       6

At this time, the Company has not elected to report any assets and liabilities using the fair value option available under the Financial Instruments Topic of the FASB ASC. There have been no transfers between Level 1 and Level 2 of the fair value hierarchy.

 

Disclosures about the Fair Value of Financial Instruments

 

The Financial Instruments Topic of the FASB ASC requires the disclosure of the estimated fair value of financial instruments, including those financial instruments not measured at fair value on a recurring basis. This requirement excludes certain instruments, such as the net investment in leases and all nonfinancial instruments.

 

The fair values shown below have been derived, in part, by management's assumptions, the estimated amount and timing of future cash flows and estimated discount rates. Valuation techniques involve uncertainties and require assumptions and judgments regarding prepayments, credit risk and discount rates. Changes in these assumptions will result in different valuation estimates. The fair values presented would not necessarily be realized in an immediate sale. Derived fair value estimates cannot necessarily be substantiated by comparison to independent markets or to other companies' fair value information.

 

The following summarizes the carrying amount and estimated fair value of the Company's financial instruments:

 

    September 30, 2012 December 31, 2011
    Carrying Fair Carrying Fair
 Amount Value Amount Value
               
    (Dollars in thousands)
               
Assets           
 Cash and cash equivalents$70,025 $70,025 $42,285 $42,285
 Restricted interest-earning deposits with banks 10,747  10,747  28,637  28,637
 Securities available for sale 3,346  3,346  1,780  1,780
 Loans 514  514  462  462
 Interest-rate caps purchased     6  6
             
Liabilities           
  Deposits 341,993  343,164  198,579  199,760
  Long-term borrowings 33,083  33,220  92,004  93,485
  Sales and property taxes payable 4,537  4,537  2,169  2,169
  Accounts payable and accrued           
  expenses  10,764  10,764  8,791  8,791

The paragraphs which follow describe the methods and assumptions used in estimating the fair values of financial instruments.

 

(a) Cash and Cash Equivalents

 

The carrying amounts of the Company's cash and cash equivalents approximate fair value as of September 30, 2012 and December 31, 2011, because they bear interest at market rates and had maturities of less than 90 days at the time of purchase. This fair value measurement is classified as Level 1.

 

(b) Restricted Interest-Earning Deposits with Banks

 

The Company maintains various interest-earning trust accounts related to our secured debt facilities. The book value of such accounts is included in restricted interest-earning deposits with banks on the accompanying Consolidated Balance Sheet. These accounts earn a floating market rate of interest which results in a fair value approximating the carrying amount at September 30, 2012 and December 31, 2011. This fair value measurement is classified as Level 1.

 

(c) Securities Available for Sale

 

The fair value of securities available for sale is recorded using prices obtained from quoted prices in an active market. This fair value measurement is classified as Level 1.

 

(d) Loans

 

Loans are primarily comprised of participating interests acquired through membership in a non-profit, multi-financial institution consortium serving as a catalyst for community development by offering financing for affordable, quality housing to low- and moderate-income residents. Such loans help MBB satisfy its obligations under the Community Reinvestment Act of 1977. The fair value of the Company's loans approximates the carrying amount at September 30, 2012 and December 31, 2011. This estimate was based on recent comparable sales transactions with consideration of current market rates. This fair value measurement is classified as Level 2.

 

(e) Interest-Rate Caps Purchased

 

Interest-rate caps are measured at fair value on a recurring basis in accordance with the requirements of the Fair Value Measurements and Disclosures Topic of the FASB ASC, using the inputs and methods described previously in the first section of this Note 9. This fair value measurement is classified as Level 2.

 

(f) Deposits

 

The fair value of the Company's deposits is estimated by discounting cash flows at current rates paid by the Company for similar certificates of deposit of the same or similar remaining maturities. This fair value measurement is classified as Level 2.

 

(g) Long-Term Borrowings

 

The fair value of the Company's debt and secured borrowings is estimated by discounting cash flows at indicative market rates applicable to the Company's debt and secured borrowings of the same or similar remaining maturities. This fair value measurement is classified as Level 2.

 

(h) Sales and Property Taxes Payable

 

The carrying amount of the Company's sales and property taxes payable approximates fair value as of September 30, 2012 and December 31, 2011, because of the relatively short timeframe to realization. This fair value measurement is classified as Level 2.

 

(i) Accounts Payable and Accrued Expenses

 

The carrying amount of the Company's accounts payable and accrued expenses approximates fair value as of September 30, 2012 and December 31, 2011, because of the relatively short timeframe to realization. This fair value measurement is classified as Level 2.

 

XML 54 R34.htm IDEA: XBRL DOCUMENT v2.4.0.6
Allowance for Credit Losses (Narratives) (Details) (USD $)
In Thousands, unless otherwise specified
3 Months Ended 9 Months Ended 12 Months Ended
Sep. 30, 2012
Jun. 30, 2012
Sep. 30, 2011
Sep. 30, 2012
Sep. 30, 2011
Dec. 31, 2011
Jun. 30, 2011
Dec. 31, 2010
Allowance for Credit Losses [Line Items]                
Loans and Leases Receivable, Allowance $ 5,608 [1] $ 5,197 $ 5,459 [1] $ 5,608 [1] $ 5,459 [1] $ 5,353 [1] $ 6,175 $ 7,718
Net charge-offs (1,003) (1,100) (1,553) (3,291) (5,199) (6,499)    
Annualized net charge-offs to average total finance receivables 0.89% [2] 1.04% 1.73% [2] 1.05% [2] 1.96% [2] 1.81% [2]    
Finance Receivables 90 Days or More Past Due and Still Accruing 0   0 0 0 0    
Commercial Loan [Member]
               
Allowance for Credit Losses [Line Items]                
Loans and Leases Receivable, Allowance $ 0   $ 0 $ 0 $ 0 $ 0    
[1] At September 30, 2012, December 31, 2011 and September 30, 2011, there was no allowance for credit losses allocated to loans.
[2] Total finance receivables include net investment in direct financing leases and loans. For purposes of asset quality and allowance calculations, the effects of (i) the allowance for credit losses and (ii) initial direct costs and fees deferred are excluded.
XML 55 R21.htm IDEA: XBRL DOCUMENT v2.4.0.6
Summary of Critical Accounting Policies (Policies)
9 Months Ended
Sep. 30, 2012
Summary of Critical Accounting Policies [Abstract]  
Consolidation, Policy [Policy Text Block]

Basis of financial statement presentation. The unaudited condensed consolidated financial statements include the accounts of the Company and its wholly-owned subsidiaries. Marlin Business Services Corp. is managed as a single business segment. All intercompany accounts and transactions have been eliminated in consolidation.

 

In the opinion of management, the accompanying unaudited condensed consolidated financial statements contain all adjustments (consisting of normal recurring items) necessary to present fairly the Company's financial position at September 30, 2012 and the results of operations for the three- and nine-month periods ended September 30, 2012 and 2011, and cash flows for the nine-month periods ended September 30, 2012 and 2011. These unaudited condensed consolidated financial statements should be read in conjunction with the consolidated financial statements and note disclosures included in the Company's Form 10-K filed with the Securities and Exchange Commission (“SEC”) on March 8, 2012. The consolidated results of operations for the three- and nine-month periods ended September 30, 2012 and 2011 and the consolidated statements of cash flows for the nine-month periods ended September 30, 2012 and 2011 are not necessarily indicative of the results for the respective full years or any other period.

Use of Estimates, Policy [Policy Text Block]

Use of estimates. The preparation of financial statements in accordance with generally accepted accounting principles in the United States (“U.S. GAAP”) requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Estimates are used when accounting for income recognition, the residual values of leased equipment, the allowance for credit losses, deferred initial direct costs and fees, late fee receivables, the fair value of financial instruments and income taxes. Actual results could differ from those estimates.

Interest Income Recognition, Policy [Policy Text Block]

Interest income. Interest income is recognized under the effective interest method. The effective interest method of income recognition applies a constant rate of interest equal to the internal rate of return on each lease. Generally, when a lease or loan is 90 days or more delinquent, the contract is classified as non-accrual, and we do not recognize interest income on that contract until it is less than 90 days delinquent.

 

Modifications to leases are accounted for in accordance with Topic 840 of the Financial Accounting Standards Board Accounting Standards Codification (“FASB ASC”). Modifications resulting in renegotiated leases may include reductions in payment and extensions in term. However, such renegotiated leases are not granted concessions regarding implicit rates or reductions in total amounts due. Modifications may be granted on a one-time basis in situations that indicate the lessee is experiencing a temporary, timing issue and has a high likelihood of success with a revised payment plan. After a modification, a lease's accrual status is based on compliance with the modified terms.

Fee Income and Other Income, Policy [Policy Text Block]

Fee income. Fee income consists of fees for delinquent lease and loan payments, cash collected on early termination of leases and net residual income. Net residual income includes income from lease renewals and gains and losses on the realization of residual values of leased equipment disposed of at the end of a lease's term. Residual income is recognized as earned.

 

Fee income from delinquent lease payments is recognized on an accrual basis based on anticipated collection rates. At a minimum of every quarter, an analysis of anticipated collection rates is performed based on updates to collection history. Adjustments in the anticipated collection rate assumptions are made as needed based on this analysis. Other fees are recognized when received.

Other income. Other income is recognized when earned and includes various administrative transaction fees and fees received from lease syndications.

 

Insurance Income Recognition, Policy [Policy Text Block]

Insurance income. Insurance income is recognized on an accrual basis as earned over the term of each lease. Generally, insurance payments that are 120 days or more past due are charged against income. Ceding commissions, losses and loss adjustment expenses are recorded in the period incurred and netted against insurance income.

Securities Available for Sale, Policy [Policy Text Block]

Securities available for sale. Securities available for sale consist of mutual funds. Securities available for sale are measured at fair value on a recurring basis, computed using fair value measurements classified as Level 1 (as defined in Note 9, Fair Value Measurements and Disclosures about the Fair Value of Financial Instruments), since prices are obtained from quoted prices in an active market. Unrealized holding gains or losses, net of related deferred income taxes, are reported in accumulated other comprehensive income.

Initial Direct Costs and Fees, Policy [Policy Text Block]

Initial direct costs and fees. We defer initial direct costs incurred and fees received to originate our leases and loans in accordance with the Receivables Topic and the Nonrefundable Fees and Other Costs Subtopic of the FASB ASC. The initial direct costs and fees we defer are part of the net investment in leases and loans and are amortized to interest income using the effective interest method. We defer third-party commission costs, as well as certain internal costs directly related to the origination activity. Costs subject to deferral include evaluating each prospective customer's financial condition, evaluating and recording guarantees and other security arrangements, negotiating terms, preparing and processing documents and closing each transaction. The fees we defer are documentation fees collected at inception. The realization of the initial direct costs, net of fees deferred, is predicated on the net future cash flows generated by our lease and loan portfolios.

Net Investment in Leases and Loans, Policy [Policy Text Block]

Net investment in leases and loans. As required by U.S. GAAP, the Company uses the direct finance method of accounting to record its direct financing leases and related interest income. At the inception of a lease, the Company records as an asset the aggregate future minimum lease payments receivable, plus the estimated residual value of the leased equipment, less unearned lease income. Residual values generally reflect the estimated amounts to be received at lease termination from lease extensions, sales or other dispositions of leased equipment. Estimates are based on industry data and management's experience.

 

The Company records an estimated residual value at lease inception for all fair market value and fixed purchase option leases based on a percentage of the equipment cost of the asset being leased. The percentages used depend on equipment type and term. In setting and reviewing estimated residual values, the Company focuses its analysis primarily on total historical and expected realization statistics pertaining to both lease renewals and sales of equipment.

 

At the end of an original lease term, lessees may choose to purchase the equipment, renew the lease or return the equipment to the Company. The Company receives income from lease renewals when the lessee elects to retain the equipment longer than the original term of the lease. This income, net of appropriate periodic reductions in the estimated residual values of the related equipment, is included in fee income as net residual income.

 

When a lessee elects to return equipment at lease termination, the equipment is transferred to other assets at the lower of its basis or fair market value. The Company generally sells returned equipment to independent third parties, rather than leasing the equipment a second time. The Company does not maintain equipment in other assets for longer than 120 days. Any loss recognized on transferring equipment to other assets and any gain or loss realized on the sale or disposal of equipment to a lessee or to others is included in fee income as net residual income.

 

Based on the Company's experience, the amount of ultimate realization of the residual value tends to relate more to the customer's election at the end of the lease term to enter into a renewal period, to purchase the leased equipment or to return the leased equipment than it does to the equipment type. Management performs periodic reviews of the estimated residual values and historic realization statistics no less frequently than quarterly and any impairment, if other than temporary, is recognized in the current period.

 

Initial direct costs and fees related to lease originations are deferred as part of the investment and amortized over the lease term. Unearned lease income is the amount by which the total lease receivable plus the estimated residual value exceeds the cost of the equipment. Unearned lease income, net of initial direct costs and fees, is recognized as revenue over the lease term using the effective interest method.

Allowance for Credit Losses, Policy [Policy Text Block]

Allowance for credit losses. In accordance with the Contingencies Topic of the FASB ASC, we maintain an allowance for credit losses at an amount sufficient to absorb losses inherent in our existing lease and loan portfolios as of the reporting dates based on our projection of probable net credit losses. We evaluate our portfolios on a pooled basis, due to their composition of small balance, homogenous accounts with similar general credit risk characteristics, diversified among a large cross-section of variables, including industry, geography, equipment type, obligor and vendor.

 

We consider both quantitative and qualitative factors in determining the allowance for credit losses. Quantitative factors considered include a migration analysis stratified by industry classification, historic delinquencies and charge-offs, and a static pool analysis of historic recoveries. A migration analysis is a technique used to estimate the likelihood that an account will progress through the various delinquency stages and ultimately charge off. Qualitative factors that may result in further adjustments to the quantitative analysis include items such as forecasting uncertainties, changes in the composition of our lease and loan portfolios (including geography, industry, equipment type and vendor source), seasonality, economic or business conditions and emerging trends, business practices or policies at the reporting date that are different from the periods used in the quantitative analysis.

 

The various factors used in the analysis are reviewed periodically, and no less frequently than quarterly. We then establish an allowance for credit losses for the projected probable net credit losses inherent in the portfolio based on this analysis. A provision is charged against earnings to maintain the allowance for credit losses at the appropriate level. Our policy is to charge-off against the allowance the estimated unrecoverable portion of accounts once they reach 121 days delinquent.

 

Our projections of probable net credit losses are inherently uncertain, and as a result we cannot predict with certainty the amount of such losses. Changes in economic conditions, the risk characteristics and composition of the portfolio, bankruptcy laws, and other factors could impact our actual and projected net credit losses and the related allowance for credit losses. To the extent we add new leases and loans to our portfolios, or to the degree credit quality is worse than expected, we record expense to increase the allowance for credit losses to reflect the estimated net losses inherent in our portfolios. Actual losses may vary from current estimates.

Securitizations, Policy [Policy Text Block]

Securitizations. In connection with each of its term note securitization transactions, the Company established a bankruptcy remote special-purpose subsidiary (“SPE”) and issued term debt to institutional investors. These SPEs are considered VIEs under U.S. GAAP. The Company is required to consolidate VIEs in which it is deemed to be the primary beneficiary through having (1) power over the significant activities of the entity and (2) an obligation to absorb losses or the right to receive benefits from the VIE which are potentially significant to the VIE. The Company continues to service the assets of its VIEs and retain equity and/or residual interests. Accordingly, assets and related debt of these VIEs are included in the accompanying Consolidated Balance Sheets. The Company's leases and restricted interest-earning deposits with banks are assigned as collateral for these borrowings and there is no further recourse to our general credit. Collateral in excess of these borrowings represents the Company's maximum loss exposure.

Common Stock and Equity, Policy [Policy Text Block]

Common stock and equity. On November 2, 2007, the Company's Board of Directors approved a stock repurchase plan. Under the stock repurchase plan, the Company is authorized to repurchase its common stock on the open market. The par value of the shares repurchased is charged to common stock with the excess of the purchase price over par charged against any available additional paid-in capital.

Stock-based Compensation, Policy [Policy Text Block]

Stock-based compensation. The Compensation—Stock Compensation Topic of the FASB ASC establishes fair value as the measurement objective in accounting for share-based payment arrangements and requires all entities to apply a fair-value-based measurement method in accounting for share-based payment transactions with employees and non-employees, except for equity instruments held by employee share ownership plans.

 

The Company measures stock-based compensation cost at grant date, based on the fair value of the awards ultimately expected to vest. Stock-based compensation expense is recognized on a straight-line basis over the service period. We generally use the Black-Scholes valuation model to measure the fair value of our stock options utilizing various assumptions with respect to expected holding period, risk-free interest rates, stock price volatility and dividend yield. The assumptions are based on management's judgment concerning future events.

 

As required by U.S. GAAP, the Company uses its judgment in estimating the amount of awards that are expected to be forfeited, with subsequent revisions to the assumptions if actual forfeitures differ from those estimates. The vesting of certain restricted shares may be accelerated to a minimum of three years based on achievement of various individual performance measures. Acceleration of expense for awards based on individual performance factors occurs when the achievement of the performance criteria is determined.

 

Non-forfeitable dividends paid on shares of restricted stock are recorded to retained earnings for shares that are expected to vest and to compensation expense for shares that are not expected to vest.

Income Taxes, Policy [Policy Text Block]

Income taxes. The Income Taxes Topic of the FASB ASC requires the use of the asset and liability method under which deferred taxes are determined based on the estimated future tax effects of differences between the financial statement and tax bases of assets and liabilities, given the provisions of the enacted tax laws. In assessing the realizability of deferred tax assets, management considers whether it is more likely than not that some portion of the deferred tax assets will not be realized. The ultimate realization of deferred tax assets is dependent upon the generation of future taxable income during the periods in which those temporary differences become deductible. Management considers the scheduled reversal of deferred tax liabilities and projected future taxable income in making this assessment. Based upon the level of historical taxable income and projections for future taxable income over the periods which the deferred tax assets are deductible, management believes it is more likely than not the Company will realize the benefits of these deductible differences.

 

Significant management judgment is required in determining the provision for income taxes, deferred tax assets and liabilities and any necessary valuation allowance recorded against net deferred tax assets. The process involves summarizing temporary differences resulting from the different treatment of items, such as leases, for tax and accounting purposes. These differences result in deferred tax assets and liabilities which are included within the Consolidated Balance Sheets. Management then assesses the likelihood that deferred tax assets will be recovered from future taxable income or tax carry-back availability and, to the extent our management believes recovery is not likely, a valuation allowance is established. To the extent that we establish a valuation allowance in a period, an expense is recorded within the tax provision in the Consolidated Statements of Operations.

 

In accordance with U.S. GAAP, uncertain tax positions taken or expected to be taken in a tax return are subject to potential financial statement recognition based on prescribed recognition and measurement criteria. Based on our evaluation, we concluded that there are no significant uncertain tax positions requiring recognition in our financial statements. At September 30, 2012, there have been no material changes to the liability for uncertain tax positions and there are no significant unrecognized tax benefits.

 

The periods subject to examination for the Company's federal return include the 2006 tax year to the present. The Company files state income tax returns in various states which may have different statutes of limitations. Generally, state income tax returns for the years 2005 through the present are subject to examination. The Company has amended its previously filed income tax returns for the years 2006 through 2009, resulting in the recognition of a net tax receivable of approximately $15.4 million as discussed in Note 12 to the Company's Form 10-K for December 31, 2011. These amendments are subject to review by the various jurisdictions.

 

The Company records penalties and accrued interest related to taxes, including penalties and interest related to uncertain tax positions, in income tax expense. Such adjustments have historically been minimal and immaterial to our financial results.

Earnings Per Share, Policy [Policy Text Block]

Earnings per share. The Company's restricted stock awards are paid non-forfeitable common stock dividends and thus meet the criteria of participating securities. Accordingly, earnings per share (“EPS”) is calculated using the two-class method, under which earnings are allocated to both common shares and participating securities. All shares of restricted stock are deducted from the weighted average shares outstanding for the computation of basic EPS.

 

Diluted EPS is computed based on the weighted average number of common shares outstanding for the period including the dilutive impact of the exercise or conversion of common stock equivalents, such as stock options, into shares of common stock as if those securities were exercised or converted.

Loans and Leases Receivable, Past Due Status, Policy [Policy Text Block]

Net investments in finance receivables are generally charged-off when they are contractually past due for 121 days. Income is not recognized on leases or loans when a default on monthly payment exists for a period of 90 days or more. Income recognition resumes when a lease or loan becomes less than 90 days delinquent. At September 30, 2012, September 30, 2011 and December 31, 2011, there were no finance receivables past due 90 days or more and still accruing.

XML 56 R26.htm IDEA: XBRL DOCUMENT v2.4.0.6
Long-term Borrowings (Tables)
9 Months Ended
Sep. 30, 2012
Long-term Borrowings [Abstract]  
Schedule of Future Principal and Interest Payments on Long-term Borrowings [Table Text Block]
    Principal Interest(1)
         
    (Dollars in thousands)
         
Period Ending December 31,     
2012$11,419 $260
2013 3,603  543
2014 18,057  384
2015 4  
2016   
 $33,083 $1,187
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Stock-Based Compensation (Summary of Non-Vested Restricted Stock Activity) (Details) (USD $)
9 Months Ended
Sep. 30, 2012
Stock-based Compensation Arrangements, Restricted Stock, Nonvested [Roll Forward]  
Shares Outstanding, Beginning of Period 790,484
Shares, Granted 87,589
Shares, Vested (325,268)
Shares, Forfeited (29,399)
Shares Outstanding, End of Period 523,406
Weighted Average Grant-Date Fair Value, Outstanding at Beginning of Period $ 9.96
Weighted Average Grant-Date Fair Value, Granted $ 14.37
Weighted Average Grant-Date Fair Value, Vested $ 8.09
Weighted Average Grant-Date Fair Value, Forfeited $ 10.31
Weighted Average Grant-Date Fair Value, Outstanding at End of Period $ 11.84

XML 59 R41.htm IDEA: XBRL DOCUMENT v2.4.0.6
Fair Value Measurements and Disclosures about the Fair Value of Financial Instruments (Estimated Fair Values and Carrying Amounts) (Details) (USD $)
In Thousands, unless otherwise specified
Sep. 30, 2012
Dec. 31, 2011
Sep. 30, 2011
Dec. 31, 2010
Assets, Fair Value Disclosure [Abstract]        
Total cash and cash equivalents $ 70,025 $ 42,285 $ 48,345 $ 37,026
Restricted interest-earning deposits with banks 10,747 28,637    
Securities available for sale 3,346 1,780    
Loans 514 462    
Liabilities, Fair Value Disclosure [Abstract]        
Deposits 341,993 198,579    
Long-term borrowings 33,083 92,004    
Sales and property taxes payable 4,537 2,169    
Accounts payable and accrued expenses 10,764 8,791    
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Fair Value, Inputs, Level 1 [Member]
       
Assets, Fair Value Disclosure [Abstract]        
Total cash and cash equivalents 70,025 42,285    
Restricted interest-earning deposits with banks 10,747 28,637    
Securities available for sale 3,346 1,780    
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Fair Value, Inputs, Level 2 [Member]
       
Assets, Fair Value Disclosure [Abstract]        
Loans 514 462    
Interest-rate caps purchased 0 6    
Liabilities, Fair Value Disclosure [Abstract]        
Deposits 341,993 198,579    
Long-term borrowings 33,083 92,004    
Sales and property taxes payable 4,537 2,169    
Accounts payable and accrued expenses 10,764 8,791    
Estimate of Fair Value, Fair Value Disclosure [Member] | Fair Value, Inputs, Level 1 [Member]
       
Assets, Fair Value Disclosure [Abstract]        
Total cash and cash equivalents 70,025 42,285    
Restricted interest-earning deposits with banks 10,747 28,637    
Securities available for sale 3,346 1,780    
Estimate of Fair Value, Fair Value Disclosure [Member] | Fair Value, Inputs, Level 2 [Member]
       
Assets, Fair Value Disclosure [Abstract]        
Loans 514 462    
Interest-rate caps purchased 0 6    
Liabilities, Fair Value Disclosure [Abstract]        
Deposits 343,164 199,760    
Long-term borrowings 33,220 93,485    
Sales and property taxes payable 4,537 2,169    
Accounts payable and accrued expenses $ 10,764 $ 8,791    
XML 60 R5.htm IDEA: XBRL DOCUMENT v2.4.0.6
Condensed Consolidated Statements of Comprehensive Income (Unaudited) (USD $)
In Thousands, unless otherwise specified
3 Months Ended 9 Months Ended
Sep. 30, 2012
Sep. 30, 2011
Sep. 30, 2012
Sep. 30, 2011
Comprehensive Income        
Net income $ 3,415 $ 1,831 $ 8,052 $ 4,115
Other Comprehensive Income        
Amortization of deferred net losses on cash flow hedge derivatives 0 34 53 138
Increase (decrease) in fair value of securities available for sale 26 41 55 57
Tax effect (11) (29) (43) (77)
Total other comprehensive income 15 46 65 118
Comprehensive Income $ 3,430 $ 1,877 $ 8,117 $ 4,233
XML 61 R10.htm IDEA: XBRL DOCUMENT v2.4.0.6
Net Investment in Leases and Loans
9 Months Ended
Sep. 30, 2012
Net Investment in Leases and Loans [Abstract]  
Net Investment in Leases and Loans

NOTE 3 Net Investment in Leases and Loans

 

Net investment in leases and loans consists of the following:

    September 30, December 31,
    2012 2011
         
    (Dollars in thousands)
         
Minimum lease payments receivable$540,364 $437,302
Estimated residual value of equipment 30,463  32,743
Unearned lease income, net of initial direct costs and fees deferred (90,769)  (74,199)
Security deposits (2,905)  (3,115)
Loans, including unamortized deferred fees and costs 514  462
Allowance for credit losses (5,608)  (5,353)
    $472,059 $387,840

At September 30, 2012, a total of $66.0 million of minimum lease payments receivable is assigned as collateral for borrowings, including the amounts related to consolidated VIEs.

 

Initial direct costs net of fees deferred were $8.9 million and $7.2 million as of September 30, 2012 and December 31, 2011, respectively, and are netted in unearned income and will be amortized to income using the effective interest method. At September 30, 2012 and December 31, 2011, $24.4 million and $26.5 million, respectively, of the estimated residual value of equipment retained on our Condensed Consolidated Balance Sheets was related to copiers.

 

Minimum lease payments receivable under lease contracts and the amortization of unearned lease income, including initial direct costs and fees deferred, are as follows as of September 30, 2012:

    Minimum Lease  
    Payments Income
    Receivable Amortization
         
    (Dollars in thousands)
         
Period Ending December 31,     
2012$58,976 $13,539
2013 198,729  39,954
2014 138,804  22,575
2015 86,635  10,571
2016 45,086  3,653
Thereafter 12,134  477
  $540,364 $90,769

Income is not recognized on leases or loans when a default on monthly payment exists for a period of 90 days or more. Income recognition resumes when the contract becomes less than 90 days delinquent. As of September 30, 2012 and December 31, 2011, the Company maintained total finance receivables which were on a non-accrual basis of $1.0 million and $0.8 million, respectively. As of September 30, 2012 and December 31, 2011, the Company had total finance receivables in which the terms of the original agreements had been renegotiated in the amount of $0.7 million and $1.1 million, respectively. (See Note 4 for additional asset quality information.)

XML 62 R27.htm IDEA: XBRL DOCUMENT v2.4.0.6
Fair Value Measurements and Disclosures about the Fair Value of Financial Instruments (Tables)
9 Months Ended
Sep. 30, 2012
Fair Value Measurements And Disclosures About Fair Value Of Financial Instruments [Abstract]  
Schedule of Fair Value, Assets and Liabilities Measured on a Recurring Basis [Table Text Block]
    September 30, 2012 December 31, 2011
    Fair Value Measurements Using Fair Value Measurements Using
    Level 1 Level 2 Level 1 Level 2
               
    (Dollars in thousands)
               
Assets           
 Securities available for sale$3,346 $ $1,780 $
 Interest-rate caps purchased       6
Schedule of Carrying Amount and Estimated Fair Value of Financial Instruments [Table Text Block]
    September 30, 2012 December 31, 2011
    Carrying Fair Carrying Fair
 Amount Value Amount Value
               
    (Dollars in thousands)
               
Assets           
 Cash and cash equivalents$70,025 $70,025 $42,285 $42,285
 Restricted interest-earning deposits with banks 10,747  10,747  28,637  28,637
 Securities available for sale 3,346  3,346  1,780  1,780
 Loans 514  514  462  462
 Interest-rate caps purchased     6  6
             
Liabilities           
  Deposits 341,993  343,164  198,579  199,760
  Long-term borrowings 33,083  33,220  92,004  93,485
  Sales and property taxes payable 4,537  4,537  2,169  2,169
  Accounts payable and accrued           
  expenses  10,764  10,764  8,791  8,791
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Deposits (Details) (USD $)
Sep. 30, 2012
Dec. 31, 2011
Contractual Maturities of Time Deposits [Abstract]    
2012 $ 28,652,000  
2013 118,850,000  
2014 86,550,000  
2015 54,047,000  
2016 35,209,000  
Thereafter 18,685,000  
Deposits, Total 341,993,000 198,579,000
Maximum time deposit liability denomination $ 250,000  
Weighted average all-in interest rate of deposit liabilities outstanding 1.07%  
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Subsequent Events
9 Months Ended
Sep. 30, 2012
Subsequent Events [Abstract]  
Events Subsequent to Year-End

NOTE 13 Subsequent Events

 

 

The Company declared a dividend of $0.08 per share on October 29, 2012. The quarterly dividend, which is expected to result in a dividend payment of approximately $1.0 million, is scheduled to be paid on November 26, 2012 to shareholders of record on the close of business on November 12, 2012. It represents the Company's fifth consecutive quarterly cash dividend. The payment of future dividends will be subject to approval by the Company's Board of Directors.