Note 4 - Loans (Tables)

3 Months Ended

Mar. 31, 2015

Receivables [Abstract]

Secured Loan Principal Transactions [Table Text Block]

	2015			2014
Principal, January 1	$	19,185,660		$	14,698,430
Loans Funded		—			736,000
Loans acquired from affiliates		3,660,000			2,536,750
Payments received		(1,545,434	)		(2,965,335	)
Principal, March 31	$	21,300,226		$	15,005,845

Secured Loans Characteristics [Table Text Block]

	March 31,			December 31,
	2015			2014
Number of secured loans		53			52
Secured loans – principal	$	21,300,226		$	19,185,660
Secured loans – lowest interest rate (fixed)		7.25	%		7.25	%
Secured loans – highest interest rate (fixed)		10.00	%		10.00	%
Average secured loan – principal	$	401,891		$	368,955
Average principal as percent of total principal		1.89	%		1.92	%
Average principal as percent of members’ capital		1.82	%		1.89	%
Average principal as percent of total assets		1.77	%		1.77	%
Largest secured loan – principal	$	1,600,000		$	1,600,000
Largest principal as percent of total principal		7.51	%		8.34	%
Largest principal as percent of members’ capital		7.25	%		8.19	%
Largest principal as percent of total assets		7.04	%		7.69	%
Smallest secured loan – principal	$	45,068		$	66,278
Smallest principal as percent of total principal		0.21	%		0.35	%
Smallest principal as percent of members’ capital		0.20	%		0.34	%
Smallest principal as percent of total assets		0.20	%		0.32	%
Number of counties where security is located (all California)		13			13
Largest percentage of principal in one county		29.51	%		25.23	%
Number of secured loans in foreclosure		1			1
Secured loans in foreclosure – principal		192,843			193,893
Number of secured loans with an interest reserve		—			—
Interest reserves	$	—		$	—

Secured Loans Distributed within California [Table Text Block]

	March 31, 2015					December 31, 2014
	Unpaid Principal Balance		Percent			Unpaid Principal Balance		Percent
San Francisco Bay Area
San Francisco	$	6,284,854		29.51	%	$	4,584,854		23.90	%
Alameda		2,315,172		10.87			2,322,907		12.11
San Mateo		1,653,335		7.76			1,554,577		8.10
Santa Clara		1,349,972		6.34			891,674		4.65
Contra Costa		1,185,835		5.57			1,186,371		6.18
Sonoma		66,867		0.31			67,146		0.35
		12,856,035		60.36			10,607,529		55.29
Other Northern California
Santa Cruz		1,600,000		7.51			2,320,000		12.09
Monterey		180,551		0.85			180,897		0.95
		1,780,551		8.36			2,500,897		13.03
Northern California Total		14,636,586		68.72			13,108,426		68.32
Los Angeles & Coastal
Los Angeles		5,050,205		23.71			4,840,941		25.23
Orange		432,070		2.03			432,828		2.26
San Diego		45,068		0.21			66,278		0.35
		5,527,343		25.95			5,340,047		27.84
Other Southern California
San Bernardino		635,021		2.98			635,768		3.31
Riverside		501,276		2.35			101,419		0.53
		1,136,297		5.33			737,187		3.84
Southern California Total		6,663,640		31.28			6,077,234		31.68
Total Secured Loans	$	21,300,226		100.00	%	$	19,185,660		100.00	%

Secured Loans by Lien Position in the Collateral [Table Text Block]

	March 31, 2015								December 31, 2014
	Loans		Principal			Percent			Loans		Principal			Percent
First trust deeds		46	$	19,636,633			92	%		44	$	17,114,452			89	%
Second trust deeds		7		1,663,593			8			8		2,071,208			11
Total secured loans		53		21,300,226			100	%		52		19,185,660			100	%
Liens due other lenders at loan closing				3,309,639								4,773,151
Total debt			$	24,609,865							$	23,958,811
Appraised property value at loan closing			$	47,463,405							$	44,552,048
Percent of total debt to appraised values (LTV) at loan closing(1)				51.85	%							53.78	%

Secured Loans by Property Type of the Collateral [Table Text Block]

	March 31, 2015							December 31, 2014
	Loans		Principal		Percent			Loans		Principal		Percent
Single family(2)		40	$	14,935,302		70	%		40	$	14,512,116		76	%
Multi-family		4		1,966,885		9			3		1,272,724		6
Commercial		9		4,398,039		21			9		3,400,820		18
Total secured loans		53	$	21,300,226		100	%		52	$	19,185,660		100	%

Secured Loans Scheduled Maturities [Table Text Block]

Calendar Year	Loans		Principal		Percent
2015(3)		8	$	5,578,325		26	%
2016		13		4,359,634		20
2017		10		4,529,341		21
2018		6		1,218,922		6
2019		13		5,028,384		24
2020		2		518,887		2
Thereafter		1		66,733		1
Total secured loans		53	$	21,300,226		100	%

Past Due Financing Receivables [Table Text Block]

	March 31,		December 31,
	2015		2014
Past Due
30-89 days	$	584,854	$	448,930
90-179 days		—		514,791
180 or more days		—		—
Total past due		584,854		963,721
Current		20,715,372		18,221,939
Total secured loans	$	21,300,226	$	19,185,660